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      "body": "Congratulations @jerryl! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@jerryl/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@jerryl) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=jerryl)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemitboard/@steemitboard/valentine-s-day-challenge-give-a-badge-to-your-beloved\"><img src=\"https://steemitimages.com/64x128/http://i.cubeupload.com/LvDzr5.png\"></a></td><td><a href=\"https://steemit.com/steemitboard/@steemitboard/valentine-s-day-challenge-give-a-badge-to-your-beloved\">Valentine's day challenge - Give a badge to your beloved!</a></td></tr></table>\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "body": "<p><iframe width='560' height='315' src='https://www.youtube.com/embed/79xIFcXQp2A' frameborder='0' allowfullscreen></iframe></p>Hi! It's Ruth  All things business, mindset, coaching, and strategy. Hi. It's Ruth and today I'm talking about\r\nbeing financially free. So, what does financial freedom mean to you? Is it a\r\nparticular figure? Often we have a figure in our minds and that figure represents\r\nsomething. So, think about what your figure is and what does that represent.\r\nWhat does that mean to you? Write that figure down. Get really clear on exactly\r\nwhat it means. Is that your income level or your revenue goal, if you're a\r\nbusiness. Often it's our income goal. Write it down. Make sure that you\r\nunderstand exactly what that figure represents. Does it mean that you'll pay\r\nyour mortgage off? Does it mean that you can travel more? What does it mean?\r\nBecause our figure is different for an actual freedom means different things to\r\nall of us. So, get your figure written down and get really clear on what that\r\nwill mean to you. And we visit it. So, first of all having the figure. When\r\nyou've got the figure, identify what you need to do to earn that amount of money.\r\nIf you've got a business, how many clients is that? And then start to think\r\nhow feasible that is. If it's amount of an amount of clients, what would you need\r\nto do to get those clients? Work backwards. Start with the end in mind and\r\nwork backwards. How many clients? What where do those clients come from? What\r\nare you doing to get those clients to give you that figure? So, financial\r\nfreedom is about planning. It's about identifying your figure and really\r\nunderstanding what that means to you and what that represents for you, and what\r\nchoices that gives you. And then it's about breaking it down and understanding\r\nwhere that money's going to come from. Is it about creating additional income\r\nstreams, memberships, courses, group programs? Is it about doing what you're\r\ndoing but doing it on a bigger scale? Get clear. When you're clear, you can start\r\nworking towards it. So, however much it's called freedom, it all comes from that\r\nsame place of planning and understanding exactly what success is going to look\r\nlike, so you can reverse engineer and you can start doing the things today that\r\nwill give you that financial freedom in the future.<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=79xIFcXQp2A'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/08/06/how-to-be-financially-free-over-the-holidays/</em><hr/></center>",
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      "body": "<p><iframe width='560' height='315' src='https://www.youtube.com/embed/paGYIOUkuWQ' frameborder='0' allowfullscreen></iframe></p>ACTIVE INCOME VS. PASSIVE INCOME\r\nThere are two types of income streams that exist. There’s Active Income and Passive\r\nIncome. Active Income is any type of income stream\r\nthat is generated in exchange for your time or effort. The moment you stop putting in\r\ntime or effort, the income comes to a halt. You have to consistently work hard to earn\r\nan active income. The best example of active income is having a typical job. With a job,\r\nyou spend X number of hours at the workplace and in exchange you receive a pay check for\r\nthose amount of hours. If you stop working for that job or get fired, you immediately\r\nlose that income stream. Passive Income is an income stream that is\r\ngenerated after only working hard once. Once you’ve invested your time and efforts to\r\ncreate the passive income stream (an online business), your job is done. The income generated\r\nby the automated systems that you’ve set up will produce a consistent passive income\r\nfor you without any real-time presence. You will continue to receive income for the rest\r\nof your life, even while you eat, sleep, travel the world… or even die. “If it’s not residual income then don’t\r\ndo it, because it takes you to slavery, not to freedom.” – T. Harv Eker The concept of making passive income is commonly\r\ntaught by authors such as Robert Kiyosaki of Rich Dad, Poor Dad, as well as T. Harv\r\nEker of the Millionaire Mind Intensive. While I learned much from both of those guru’s\r\nof the idea of earning passive income, it wasn’t until I read The 4-Hour Work Week\r\nby Tim Ferriss that really drove it home for me. Ever since I did, I’ve committed myself\r\nto becoming financially free. Financial freedom is when your passive income\r\nexceeds your expenses. by Shaun Ling &amp; Moon Cheong<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=paGYIOUkuWQ'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/08/06/become-financially-free-by-creating-passive-income-with-cb-passive-income/</em><hr/></center>",
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      "title": "Being Financially Free vs. Debt Free",
      "body": "why being financially free beats being debt-free all day long that's today's episode let's dive into it hey everyone I'm Clayton Morris I'm Natali Morris and this is the investing in real estate show this is the show where we help you build financial freedom live the life that you want enjoy your afternoons and hang out with your kids hang out with your wife like this one she's my wife and we talk real estate on this show but we and we use real estate that's the means that we've achieved financial freedom other people can do it with performing assets like gold or you know hey even warehouses right or mobile home parks or God knows what else right yeah notes no I don't know small businesses yeah there are a lot of ways to think of performing assets exactly right so we talk about financial freedom in fact we have our freedom cheat sheet that we just recently revised it's totally free if you come to our website Morris invest calm slash freedom you can download it for free and it kind of walks you through step by step how to live financially free and you can see so excited about financial freedom she dropped her pen so yeah come on over to our websites our last name morris invest calm slash freedom download it but today we wanted to talk about like the financial freedom piece that's the goal but a lot of people love you know the Dave Ramsey's that would love to talk about just getting out of debt yeah as freedom but that's not freedom not necessarily do you remember in high school when everyone would agree to drop their pin at a certain time yeah on the substitute teacher I feel like I just did that I pranked you that's cool right okay so you know I do want to talk about debt today this has been top of mind because I had been reading a few real estate books and specifically around protecting your castle right because the word loophole comes from the crenellations of a castle where you would sort of sneak through and be able to shoot an arrow at anyone advances yeah it's the top of the castle that has looks like where you can like points through right and so that's where the word loophole even comes from actually that's an arrow the arrow loop is the hole on the side of the castle where you shoot the arrows right yeah that's where okay maybe it's not necessarily crenellations are like holes holes in the castle where you protect yourself so loophole has kind of a like a negative connotation in our language but really it just comes from the idea of how you protect yourself right you like put a hole in your estate so that you can make sure that you are ready to fire off attackers Vikings about to attack any Vikings at any time could be attacking your 401k right so because I've been reading that I have sort of been re-evaluating the way I think of debt now we're always kind of like oh we should just pay off all our mortgages right we should pay off this debt or that day but when you think of debt you can also think of it as a protection because if someone were to sue me for the value of my estate right and let's say I live in a home that's worth two hundred thousand dollars but I owe a hundred and fifty thousand dollars well that means that I have gone into a government agency and signed for the fact that my mortgage or is going to have first position on this debt right the lien holder is the is Bank of America or whatever right they have the first they have the first position and not some guy who suing you right so if I have a mortgage for over eighty percent the value of my home well then no one can sue me for more than twenty percent so debt can be asset protection and I had not really thought of that in that way before so that was one way in which I thought well debt can be pretty great right now it doesn't really work that way with like a student loan or a car payment right if someone's going after you for a certain amount of money and you have the cash your sort of car lender Nissan is not going to say well we get this money first right it doesn't work that way and so debt on your assets obviously like your real estate investments is much more protected than say your credit card debt because visa is not gonna get in line for that kind of thing right so if you're able to buy you know a package of properties or you're able to buy a $500,000 building and you're paying you know 5% interest to the bank but you're making 12 percent or 10 percent return or even 9 percent return or 7 percent return there's still a differential between what you're paying the bank and what you're making but that debt is also a protection it's an asset protection right exactly right so you know we've been accelerating pay off on several of our liabilities but this gave me a little like I tapped the brakes a little because I thought well ok I could think of this debt as asset protection also the interest on this debt because it's interest inside of entities like an LLC is a write-off so that's obviously a tax deduction and that's a benefit but also you know I don't want to fixate on paying down low-interest debt when I can use that money to make higher returns so this is the teeter-totter we're always talking about like you put your two options on two sides of a teeter-totter and see which one you make more money or pay more money for right right and so again it's allowing your tenants to pay your debts right so buying an asset a performing asset with the money from someone else enables you not only the asset protection but then you have this you have this personal you have this asset that's now added to your net worth your tenants are paying the rent which is paying down that debt but you're protected because you won't like because you know not only or do you have it in a business entity but you also have it owned or the debt is in first position with a mortgage note right the the equity there is spoken for so let's just talk about your primary residence because many of you watching probably have a primary residence and so to Natalie's point like if you had a $200,000 house you owe 150 on it to a bank you have it in your own name you could only be sued for a portion of it and and nobody who's suing anyone it would just they're not gonna do it bottom line because they know they're never gonna get access to that because there's like Bank of America has a bigger position than coming after you so then there's additional ways to protect yourself as well with that house right by putting it into a trust taking it outside of the government's ability to get their hands on it so putting it into like a dynasty trust making sure that you're protected right even at a higher level yeah that's definitely outside the purview of this podcast we should do a whole episode on trust and dynasty tres oh and protecting your primary home even yeah that might be a good one to see if Andrew would get on the phone for Andrew how is our lawyer and so we're not giving you any advice about how to own your primary home but we want you to sort of change your mindset about debt now also a lot of times someone will say well I've got this four percent interest on a car loan should I just get rid of that before I start investing well that depends on where you're going to start investing right if you're going to start investing in the stock market and making four percent on a good day then maybe that money is better spent not paying four percent to the car company right but if you know you can do better than four percent which must really invest real estate investors in New Jersey are aiming for around eleven percent and this is a really expensive place so elsewhere where you're not living in an expensive market people are aiming for between ten and fifteen percent so if you can secure an investment for let's say ten percent but your car loan is five percent well duh keep the money in the don't take that chunk of money and pay off the car take that chunk of money put it in ten percent and you've created five percent right exactly right I recently had a question from a listener who I think was a pharmacist and had a hundred and fifty thousand dollars in pharmacy debt from you know student loans wanted to know whether or not they should be paying off that pharmacy debt or investing and that goes to the same thing that Natalie just said which is well it matters it you know your the interest point matters later are you gonna take a hundred and fifty thousand dollars and just plunk it down on this debt or are you gonna work as a pharmacist and then make great money and then also be able to by performing assets and allow your tenants to pay down your pharmacy debt right right and then you're increasing your net worth you're creating a tax shelter your that's financial intelligence right there right because think of that one hundred and fifty thousand dollars do you just put it in that and then it's gone right so you've nothing to show for five percent but or do you take it and put it in a ten percent return and then you continue to pay that five percent to the lender but you've created five percent in between that's yours right right yeah I mean like good rule of thumb people ask me all the time like what's a good return well it's like you know the stuff we buy is between like seven and a half eight percent on the you know up to about twelve percent you know some of our like our c-class stuff but we you know aim and that sort of B Class range you're looking at between like seven and twelve percent return and then if you have got a debt of four percent use that additional three and four percent you just pay it back and you don't have to be involved in it let your tenants pay your pharmacy bill yeah exactly so that's how to live financially free that's how to have financial intelligence right that's what we try to teach you here all right yeah and it's just sort of a more feel good way to think about your debt because we we have so many again negative connotations with not only the word loopholes but debt as well and debt is not necessarily a bad thing now you know we're making no judgments on what you spent that debt on in the first place so whatever your values are hopefully you're using it wisely right right and don't bring up the boat again he always says not to buy a boat no no I was gonna say something that I was seeing about the pharmacy job right yeah it's a smart like that one hundred and fifty thousand dollars is likely going to provide a good salary for this individual for many years to come so as long as the debt makes sense right going into debt to be I don't know an artist and then you're not gonna make any money look you got to really think about their returns right what is the return limiting belief as well sure okay but yeah are you gonna be a Picasso I'm just saying we're not gonna make judgments on people's like this is so hard for Clayton you know because it's really important to think about you're getting ready to go to college do you you want $300,000 in debt but then you're only gonna make 40 grand a year for the rest of it like this the are alive okay I understand what you're saying right but don't discourage anyone from artistic expression I'm not just saying don't just is my artistic us it right you can go out and become an artist you don't have to pay $300,000 to learn from somebody how to do it anyway you don't know that why are you think about people's lifestyles I'm not I'm just saying B I think I think about the debt that I got from college if I had to go back and think about is the ROI there right I mean it's not and we would talk about return on investment on this show we talk about financial literacy okay like why would you spend four hundred three hundred thousand dollars someone that experience may be invaluable you're a dot like if you're gonna become a surgeon and you know that you're gonna make five hundred thousand dollars a year that makes sense right then the return on that investment makes so you don't know what something will make of you before you get into it ever so I don't want to discourage people's experiences or put I fight for your right to go to art school okay dear listener and if you doesn't pay back well then maybe you had some other enriching experience like I just want you to think about it in a more practical sort of freeing way about this specific type of debt right so yeah I love that high in the sky yeah why are you saying this we have a lot of Picasso's watching no I'm to say all right fine I get it I get what you're saying I'm just saying think about it wouldn't you know I'm gonna have this discussion with our kids before they go up there yes yes right yeah so you know right I'm not paying for them to go something to something they haven't thought through right but I'm just saying we may have some listeners who might have some beautifully creative experiences that we don't know what they're gonna get again I don't want to discourage you from why this is a tangent yes this is a financial intelligence show that's what we're talking about here I'm not talking about people's dreams and hopes around art and crayons all right so let's say you're in the loop that is gonna do it for today's episode well investing in real estate podcast thank you so much for sitting in on our marital discussions today on whether or not your kids should go to art school go out there live live financially free and have financial intelligence how about that all right and become a real estate investor its field of dreams here and go out there become an artist spend $300,000 carpe diem everybody get an art degree we'll see you next time.<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=FwucCW5iiN4'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : 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      "title": "Financially Free by Watching YouTube Videos | Winners on a Wednesday #24",
      "body": "<p><iframe width='560' height='315' src='https://www.youtube.com/embed/qG4j7Z4xUOs' frameborder='0' allowfullscreen></iframe></p>[Music] what's up it's Samuel leaves here and this week winners on the Wednesday we have the new and improved version of Samuel Leeds hi dude you're killing it bro Thanks so this is Nathan winch Nathan you have done how many deals I've done about eight deal eight property deals mixture of deals yeah me no money down and how did you get all the knowledge to do all these deals so essentially was just from watching your videos really so I didn't really do any of the costs or anything exactly so over those over the past sort of four months I've done those deals just from watching the YouTube videos and then I kind of then took it stage further and died so cool so you you've done what at what tell me you've packaged and sold some deals well how much did you make last week last week three and a half grand last week how about the week before put me on the spot all the week before at about 13 and a half thirteen and a half thousand pounds in a week high five or fist bump fist bumps and Lease Option agreements yeah how many of those have you done I've done four of those so you've done for Lease Option agreements what is a lease option agreement so it's essentially where you kind of take on a property the the owners can't really sell they've got limited options you know there might be negative equity or something like that so you kind of offer to pay their mortgage in the bills and everything take on the repairs and then you can let it out as though it's your property so you can benefit benefit from the cash flow and the capital appreciation because of course they can offer you all the perks for buying a house without putting any money down when he's out just legals buy now pay later yeah essentially and you did that from what your watching my youtube videos watching youtube videos dude that's impressive that's impressive and then you hunted me down because you wanted to give me money yeah yeah you're like dude I've got all these houses I made three year off grand this week all right 13 grand last week I did it from watching YouTube I need to give this dude some money kind of yeah kind of yeah you're now join the Academy I have the N last two weeks and you've not even done the crash course no I did the peterborough one oh yeah I just did it that's the first one I that's first cross Scott so you did the crash course a few days ago and how was that was absolutely insane it really intense really engaged you wish that you've done the crash call sooner I did I do actually I wish I'd done that first cuz it's kind of like a taste for everything yeah yeah kind of don't things a little bit backwards but it works I know you're on the Academy now I'll shoot it in that a long time ago but I'm glad that you hunting me down I always say if you become successful from reading my books or watching my videos or telling the crash course please hunt me down because your success is my oxygen and the fact that you have I really appreciate that I really I really honor you for that and looking at the figures I know we've gone over your figures and I know Alistair's sat with you and stuff I mean we've looked into what you've done you're killing it I just thought why not have your own winners on a Wednesday because it'd be such an inspiration because people watching this at home might be thinking literally what where our people's excuses like date they have their input they're watching the same videos you were watching and you've done this we have no money so why don't you just tell us a little bit about sort of your story why did you start how did you even find my videos on YouTube so it was I think was a friend of mine that told me about you and I didn't think much of it and then I kind of came across one of your videos on YouTube and I started watching and I thought wow this is this is great because it's a little bit about my background just absolutely Matt so yeah i i I've kind of always been an entrepreneurial type so being sort of self-employed since like the age of twenty twenty-one run a small medical business working with the NHS and then sort of sold that in Matthew was March 2017 Oh a couple of properties didn't really know what I was doing and had those for a while and then sort of in the past five months four or five months been watching your videos realize I've done everything wrong you know not making a great return on those properties or anything and then started implementing from literally the the YouTube video so lease option thing like that and then realize that well you can make a much better return and kind of refine that's one of the buy-to-let and you know did some interesting stuff so you bought so you did some stuff in business you bought how many properties before you started watching my channel too so you bought two by two layer properties yeah but you're saying they were quite bad probably yeah when I run the numbers based on the ROI we know how to work out now they've quite low yes so you've bought the properties you I know you bought like a nice car and stuff like that yeah then you watch my youtube videos about four months ago man I've got it all wrong yeah so then you refinanced the properties yeah and then you thought I'm going to start over but then the weird thing is the property deals that you've been doing recently they haven't even involved any of your money I've they know so you've still got money that ready to invest so that money separates us and and I think that's really that's really interesting because even if you've got money you you still want to try and do the best saw deal you can do you don't want to spend money if you don't need to so yeah so I've just been doing sort of lease options really actively for the past few months and that does have worked really well you know and that's that just the lease options alone have made me financially free so that's what we through if you don't mind yeah the figures of the lease options because I find it really interested in it's the same was a guy who came on the show called Ian Patterson yeah yeah money you know his story I know him yeah yeah you know it how do you go in so I watched I think it was the very first winners on Wednesday watched his videos when I went to property networking event where he was giving a talk and literally just to just to sit down with the guy and pick his brains really took him out for a for a couch and he's fabulous he's absolutely killing it so I didn't even know that yeah it's a small world yeah but then it is if you're in the right places like I don't you know yeah so so in Paterson same sort of thing there was an NDA in patents he was working corporate job he had money but he chose to do lease option agreement cuz his in his mind he's thinking why would I use my money when I don't have to if I think my house for free I'm not gonna buy a house and pay money for it necessarily so that's what that's really cool what did you learn from him I think to try and do chunks of deals all in one because I think he does hold portfolios and lease options yeah he does now and it's the same effort doing a portfolio he's trying to do one so you you know you may as well try and go for the bigger ticket items but yeah learnt learnt a lot from the guys and he's quiet he's quite reserved as well and he's but he's really shrewd businessperson he's fantastic he's also an omni on the academy now same as you though he came to the crash course he just from the crash course he went on and all these deals made all the money he's now got like a 2.8 million portfolios yeah I've read that yeah off the back of the crash course his story made all newspapers and stuff after he came on winners Wednesday which yours probably well as well who knows and then he was like dude can I join your Academy I'm like he can but why you know so same going story yeah so yeah very recently so that's incredible so okay so you just you watched his his story you watch some of my other videos about lease option agreements why don't you just tell anyone that's watching this thinking what on earth is a lease option agreement what what is a lease option agreement yet so essentially a lease option agreement is a it's a way of acquiring a property now we're paying for it later yeah so you kind of take over all the other nasty bits that the landlord doesn't want because normally Sloane also don't want to be a landlord other accidental or it's something to do with probe a or whatever or they're in negative equity and you kind of take it on pay for on bills the mortgage everything else and then but you can rent it out and keep the returns and obviously because there's sort of like a restriction on the sale to just you you know you benefit from the caps appreciation as well because basically you pay the owner or the landlord enough to wash its face for them exact so they're not making money from it each month but they're not losing money if that's a mortgage or whatever it is you pay them a small amount which is negotiable and then anything more than that that the property rents out for is yours exact to keep yeah but then also you have a option to buy that property usually within or after so many years how long do you run your lease options for they're about ten years Wow so I had plenty of times you'll be an old man by then exactly so you when your what your twenty eight so when you're 38 you'll have the option to buy them at a set price but we all know what happens the house is over time we do they go up they go up yeah and especially over a 10-year period yeah so the chances are that they might even be double the value in which in which case you'll have y'all have made so much money in capital depreciation and you're also financially free from the cash flow just from it's got to be the best strategy I think it is I think it is especially for those that don't have a lot of money or bad credit or whatever it's fantastic and we've got people that are literally you know we've had an illegal immigrant to come and doing Lease Option agreements it's incredible how you can buy a house that way with no credit I mean I'm not I'm not endorsing it what I'm saying is regardless of your situation it's incredible what you can do when you have the power of option absolutely yeah so where did you fight did you do was your first lease option was it one-in-four or did you heard that it were they've they've all been individual so I don't Wow yeah so it's just sending out hundreds of letters buying details from Land Registry they you know they all send a colored envelope type thing so basically all the stuff and my youtube channel yeah yeah yeah yeah but I did one of the lease option I did buy from a saucer so there's that option as well but yeah usually deal sources aren't selling because you not them don't you if you find them you keep if you found a free house you ain't selling it unless unless usually it's got something wrong with it you know so okay so so you've done for all individually you found them on your own part from the one but you've done for but I by following the strategies sending letters basically you just put yourself out there right yeah and talk to people yeah okay so give us give us an example of like the most latest lease option agreement that you did give us the figures I think it was a for betting New Castle yeah the the option to buy is a hundred thousand I think the mortgage that pay on there I got the the seller to change to an interest only mortgages well there we go very home so I let me just explain that yeah so the seller was on a repayment mortgage but it will be it'll be more simple what why did you why did you change it to interest down watch it for cash flow so so that was really the only payment I'd have to make because it was a single letter so the mortgage is really the only payment I make so how much possible so it's I think it's about 98 pounds a month so ninety a pound them up to the mortgage for bed HMO how much are you renting now for well it's not hate you like to say it's a single dad or family but it's 450 months okay so you're making a few in Japan on that and then the others if you add them all up together how much cash flow are you making so I don't know the lease officers on their own but all all the properties together it's about three three thousand pounds a month and I think the net on that is about seventeen eighteen hundred months that's great yeah that's great so 1719 Japan a month that is your average salary exactly yeah that is like your average salary so you're now making your average salary in passive income on top of that you're sourcing properties and passing them on you made 13 grand in a day yeah in a day in a day that was at this let me just say this is the difference you before brought you will do in YouTube videos and you were doing really well but you then came on one of our advanced trainings I did yeah how was that that was fantastic so that was the one day deal selling master class with wireless stuff and that's when things blew up that's where things blew up and I thought the more I do these things the more I get involved the more successful I am so I kind of famished did you make after going on that probe was it was it was it was it a direct result of that program when you made your 13 direct result of that program yeah so we were given like a little booklet and now yeah yeah I implemented the booklet yes after as it said yeah and the guest that was it I think it was I became compliant on the Friday and did that deal on the Monday yeah so it took quite a while to become compliant and then sent the deals out to the list and they sold in about four or five hours of Sun and the 13,000 pound that's in your back right now that that is yeah and that's so I think the terms of expired and that's that's mine yeah your money man yeah that's incredible bro high-five that is so cool and and that I think that's the power the thing is when you invest in yourself yeah you will always see a return mmm like oh yeah you can you can invest in property and make your 20% or a 50% return but that money that you invested in yourself you've probably already made 100% return probably more what you have yeah that's incredible but but I think credible so what would you advise yourself if you were talking to the 12 month younger version of yourself what would you say education I think education yeah getting to get into some education you know whether it's paid on whatever you know read some books read more books watch your YouTube videos yeah of course and just yeah just teach yourself because although I was already kind of in property I was doing it all wrong and the returns were abysmal I could you know I'd probably need like hundreds of those sounds to be financially free think about so so yeah a little bit of Education and yeah you've got to teach yourself because it is the most important investment I thought I just totally believed that what would you have thought four months ago when you first started watching me on youtube if you don't own that fast forward four months you'd be sat here with me Wednesday completely financially free able to make 13,000 pounds in a day what would you thought I'd have said mmm no that's I would have been a bit skeptical yeah and a bit skeptical yeah well how can you make that money you know if you if you starting with not a lot and you know but it's possible yes well that's so great yeah so what are your next steps I want to double the property portfolio by the end of the year well yeah it's not a massive goal I mean it's doable very well you're on the Academy now so I'm only Academy now hold that you can pretty much you should helps do that John the Academy yeah so don't hold me to that but it's it's it's great so yes so to get more property whether that's a lease option or whatever it doesn't have to be do more deals I think I'm averaging one to two deals a week so I think the overall income including the including the the properties is about ten thousand a month something like that so which is massive from just four months ago you know I've only just joined the Academy as well so you know expecting big things yeah yeah okay that's so good talk to me Nathan about mindset because you know it sounds so easy you could watch this interview you could think oh that's easy he just bought a house for no money in yeah isn't it but so many people fail so most people that watch my youtube channel you're in the top 1% you you know not only have you taken the action and invest it in yourself which most people won't do yeah but you've also sent the letter has made the calls there must have been down days there must have been days when you thought am I wasting my time here there must have been times when people told you you stupid like no yes yes yeah absolutely yeah I mean it's as with anything in life isn't it when you try and kind of aim higher people try and pull you down you know you've got to I think mindset is 90% of it actually and 10% of it actually doing the deals and knowing this stuff I think the mindset is incredibly important but like Sam I've always been sort of an implementer and I'm you know if I decide I want to do something I'm gonna do it so so yeah that's hell but yeah no I agree I think mindset it probably the most important thing that you've got to have first and then education put the two together and you know good things happen and the advantage of when you started is that number one you've been successful in business so you've you've got that business mindset yeah you know and you understand what makes a good deal number two although you'd bought a couple of properties and they were good houses you were you understood the process I think that's what maybe one of the reasons why you've skyrocketed so fast not to give anybody else an excuse but I mean geez 13 grand yeah oh yeah that's the start after training bang yeah II know anything about sourcing you know so until I started really I didn't even know anything about lease options I thought they were only for commercial property and they were watching your videos and I thought why am I doing this I'm and then you know get start writing the letters start sending them out yeah it's a noisy background have you got like everything you touch turns to gold like well I hope so yeah but it's just I'm just an implementer of you know take risks and I go out there and tell everybody what I'm doing and yeah and that sort of thing and you know say yes now and worry about what to do later I think most of all say now that's the real stuff that you know yeah you could talk about these options but the real people could understand these options all day long but unless there this stuff yeah prepared to take action prepared to take a risk you know prepared to look so prepared to say I'm a property investor when you haven't actually got any properties that on the basis that you speaking it out because you know it will happen to be prepared to spend money on programs to invest in yourself in faith that it will pay off because you know that you're gonna implement exactly one I mean then that's the stuff that makes you successful yeah cos it's the stuff like what tell me about the crash course what did you learn I'll tell you some in that alone which was really interesting was the the way you find the postcode of the property so when you were on Rightmove yeah I don't know the post-college property and you click on this sort of a broad all right the whole the whole training cost was worth just that one thing saved me so much time there insane yeah no it's just the whole thing was brilliant it was really intense but I guess it's a test to see because you kept is there to like 11:00 at night like genuinely 14-hour day 14-hour day two of them it was brilliant but yeah I think that's that's you but you've got to be willing to do that to make these deals happen okay so you've got yeah that's every day yeah but for someone doing this so but it goes fast I imagine it goes fast yeah because you're engaged and you're up and you've you've got a you know jumping up and down and it's brilliant yes it's fantastic yes and sometimes people say you know 14 hours what people have got remember is it's not 14 hours me on stage because a lot of the day you're doing stuff you're making phone calls oh yeah in line you're on Rightmove you know you're doing stuff so no that's really cool okay what advice would you give to someone watching this who was maybe young guy in their 20s or whatever or anyone but just someone that's really hungry they haven't got a lot of money to start with what were the best steps for them to take right now as a result of this read a book and just do it do it you know get your get your hands dirty and get in there I mean like I said before sort of saying yes and worrying about it later yeah I've got my hands burn a few times but you know I'm now able to just take the day off to come here whenever I want you know that's not gonna affect me what I've been you've been the most influential books that have helped you yourself by low rent high pressure and then I read I read Simon's at she's book yeah property magic great book great book fun and it's a great guy oh yes yeah he's brilliant yeah yeah and just watching the YouTube videos I guess so yeah I think your passion and energy is really you know it's ripped off a little bit because yeah you know you've you've got it you've got to be active haven't you yeah and want to do it 100 percent 100 percent that's so cool well listen I really appreciate you coming on the show problem I hope to see you kill it I'm gonna be holding you to a can no you will if you don't do many more lease option agreements in the next few months you're gonna be punched in the mouth so now you're gonna do so you're gonna be so successful and I'm so glad that you join the Academy and again thank you for hunting me down thank you for putting faith in yourself but also in that training and I'm glad to see there's paint off yeah thanks so thanks Nate Cheers my name is Samuel Leeds thank you for watching winners on a Wednesday every single week we interview a success students for your inspiration you can watch more right here on the playlist as a whole playlist of them but what you'll notice is every single winner on a Wednesday always starts with them coming to my two day crash course so if you would like to be a winner on a Wednesday literally come on my crash course and who knows in three months time you could be here in my offices on this show as a winner on a Wednesday so get yourself booked on the crash course watch more have fun I'll see you next week<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=qG4j7Z4xUOs'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/07/30/financially-free-by-watching-youtube-videos-winners-on-a-wednesday-24/</em><hr/></center>",
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      "permlink": "8financialtipsforhighschoolgraduates-jb1yz4mz3g",
      "title": "8 Financial Tips For High School Graduates",
      "body": "<p><iframe width='560' height='315' src='https://www.youtube.com/embed/YGA-vKshRWc' frameborder='0' allowfullscreen></iframe></p>This one is from Andi. From... San Diego! Do you want to read your own question? I have a very dear friend who has a daughter named Kiera. Kiera is about to graduate from high school. So I was wondering if you fellas could provide her some financial advice and some for other graduates as they are about to embark on the rest of their lives? What would you tell - high school, you get them real early on. There's so much that someone graduating from high school I think needs to learn in real simple terms. Budgeting is one. Looking at credit and debt and what really that means. FICO scores. Why is that important, when it's not important? Or what you should do to make sure that you don't fall into certain traps that maybe a lot of people fell into that didn't have just proper personal finance information? Of course, the power of compounding is always really important too, to look at if they save $10 a month and then they increase that to $20, $30, $50, $100 a month, and they start at 18 years of age.\r\n\r\nWhat could that grow to? That's really powerful things. So I think I would just start real you know at the basic level in our world. But I would say that's fairly advanced in them and in the real world where you look at people in their 50s and 60s that still don't understand the concept of budgeting or understanding 'hey, spend a little bit less than what you make or pay yourself first' or you know things like that. I think that's where I would go in maybe just to have a simple type conversation in saying here's the ABCs of what you should be taking a look at. My sister for instance when she got her first job, she's a registered nurse in Minneapolis, and I ran a spreadsheet because we did this in some training and I've seen it in books now with Ric Edelman and things like that - like Jack and Jill, if they started saving $1,000 a year and they started at 18, but then Bill and Susan started at 30 and then so-and-so started at 50 to get to a certain dollar figure, how much more that each couple would have to save? So I kind of went through that example with her and they said have you maxed out a Roth IRA of...\r\n\r\nI forget the contribution limits back then, by the time you can save for 20 years and you would be a millionaire by the time you're 60. So that motivated her. So then she's like 'oh I am done with my plan because you told me all I had to do is save this for 20 years.' And I was like 'No don't stop'! And I think I agree with everything you said and I'm going to add maybe a couple of practical things. I think a lot of high schoolers and college age kids they don't really quite understand what credit is and how it works and I would say this: if you can't pay cash for something, then don't do it. If you want to use a credit card to build your credit and FICO score, that's OK.\r\n\r\nBut just make sure you can pay off that credit card when the bill comes each month because that's where people get into trouble. So that'd be one thing. The second thing I would say is we know that about half of all Americans can't even afford a $500 car repair. So work towards getting $500 to $1,000 emergency funds as kind of a starting point. You want to add to it as time goes. But be responsible with credit. Have a have an emergency fund and then start investing to the extent that you can because of the compounding of money - and it is pretty amazing.\r\n\r\nAnd I think I think a good lesson for young people is to think about whatever you're making. Try to get it up to - not immediately, but over time, get up to 10% of your salary going into savings and then 15% and then...... Net or gross? Gross. Then 15% and then even 20%. 20% would be sort of the gold standard. If you're making $50,000... Sabatier says 75%. If you can get started early enough to be able to save 75%, yeah, you'll be a millionaire by 40. But it's like when you said that if you can't afford it in cash don't put it on your credit card. I remember my dad saying that to me and I was like 'Dad if I had the cash I wouldn’t use the credit card.\r\n\r\nThis is stupidest thing I've ever heard in my life.' And then now you kind of get a little bit older, you're like, 'yeah I guess it some made sense.' I think that it's why people like Dave Ramsey do well because so many young people get in trouble with credit. Dave Ramsey does well because he sells very high commissionable products. And he preys on the people.\r\n\r\nI got one more question. Would you suggest somebody that is just getting out of high school, if they don't already have one, should they open a Roth IRA, like, right away? If they've got earned income? Yes, I would say yeah. But again it's qualifying, because they may need the funds for college right? So it's probably not for everybody. But even if you just put $10 into it right? $10 per paycheck. You always have access to the money so it doesn't hurt. You do, on a contribution. So it wouldn't blow you up. So if you put in X amount into a Roth IRA and then let's say to two years later you need the money. That's probably not the best place to go but if you needed it you got it. By the way, so you can pull out the contribution. You just can't pull at the earnings and growth. If you're putting $10 there's not gonna be a ton of growth. So Kiera should basically watch out for her future self. Yeah, I would take a picture and put like a wig on it. Put some wrinkles on her face.\r\n\r\nThere are programs that you can age yourself, just pretend you're 65 and say I'm ready to retire and do you do a picture where you're really sad and broke. And then a happy one where you're younger you look quite happy. You're 35 and you're living in a mansion. Thank you guys for such wonderful advice. .<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=YGA-vKshRWc'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/05/09/8-financial-tips-for-high-school-graduates/</em><hr/></center>",
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      "title": "Bad Financial Advice - You Have To Stop Doing THIS:",
      "body": "<p><iframe width='560' height='315' src='https://www.youtube.com/embed/Cl54XQBCgR0' frameborder='0' allowfullscreen></iframe></p>So, there are a lot of financial planners and financial guru out there, who tell you to do this this one thing. They say if you do this one thing you can retire rich and you know what they're dead wrong. So, today we're going to talk about what this one thing is. Why it is really bad financial advice? And what to do instead. So, let's get started. So, what is through the one thing that most financial planners and gurus are are telling you, that I think is really really bad financial advice. Here's what it is. They tell you to have a budget. They tell you to focus on your expenses. They tell you to cut costs. Don't spend too much money at Starbucks. Save some money. Make sure that you are living below your means. And here is why I believe that this is really bad advice. Now, don't get me wrong. Living below your means, not getting into consumer debt is good advice.\r\n\r\nBut here is why having a budget and trying to save a few dollars is bad advice. You can't save your way to financial freedom. And I will prove it to you. I'm actually doing it here right now. Now, there is a website. It is called dinkytown.net. On this website dinkytown.net you will see that there's a bunch of financial calculators. So, they're all free. It's pretty good. There is a compound savings calculator. Let's take a look at this together. So, let's say that you already have ten thousand dollars start saved, right? So, it could be that you have it in your savings account. Maybe it's more, maybe it's less not that important. And let's also say that you want to save money over the next 20 years.\r\n\r\nLet's say that you are in your 40s and you say, \"Hey, I want to retire at 65.\" Which, by the way, I believe is way too late. Why would you retire at 65? I believe that everybody should retire at 55 because this way you can still enjoy life. Anyhow, so, let's say that you're saving for the next 20 years and let's say the rate of return. So, the interest that you're getting on your savings is 4 percent. Now, I know that 4 percent sounds generous, especially if you look at the markets right now. We're getting 1 percent one and a quarter percent on a lucky day. So, now let's talk about the monthly contributions and this is where I want to show you that financial advisers who tell you, \"Just stop drinking your latte every day. This is how you can retire rich,\" are dead wrong. So, how much is a latte? Or whatever beverage you are getting at Starbucks, maybe it's a fancy tea, maybe it's a mocha? Doesn't really matter, right? So, let's say it is five dollars a day.\r\n\r\nSo, let's say you are saving five dollars a day. That's one hundred fifty dollars per month. So, if you start with ten thousand dollars right now and save your your latte or your mocha every day, so you save one hundred fifty dollars a month. Look at this, after 20 years you will have what? Seventy-six thousand dollars. Seventy-six thousand dollars? That is nothing.\r\n\r\nNow, let's say that the financial planner says, \"Well, you have to save some more money. You have to find a way to save five hundred dollars a month.\" All right. And so, you're cutting expenses. You're not going out with friends. You're not taking your family to dinner. So, you're saving five hundred dollars per month. Let's see what happens. If you are saving five hundred dollars per month and you're doing it for 20 years.\r\n\r\nNot going out for dinners. Not having fun with friends. Not having a coffee. Flying economy. Blah blah blah, right? You get the idea, that you would have two hundred thousand dollars. After 20 years. Can you retire on two hundred thousand dollars? Of course not. Well, this very now your financial adviser will say, \"Well, apparently, you have to save some more money.\" How do you do this? I mean, you tell me. Is it easy for you to save 500, 600, 700, 800 dollars a month? Let's just say, you're saving a thousand dollars per month, somehow, magically. You cut your budget.\r\n\r\nYou're not doing anything for fun anymore. You're driving an old car. You're living in a trailer park home. I'm exaggerating, but you get the idea, right? So, then you would have three hundred and eighty-six thousand dollars after 20 years. So, obviously, this is not working at all. Let me ask you this. Is this making sense so far? Do you now see why you can't save your way to financial freedom? Please do me a favor, leave a comment and let me know if this is making sense so far. Because then we're going to talk about what to do instead. If saving your way to financial freedom is not a viable way, how do you do this? Instead of focusing on cutting your expenses, focus on finding a way to make more money. So, how do you do this? Now, you might say, \"Wow Markus, easier said than done.\" Right? I mean, simply make more money. How do you do this? Well, there's one thing that will help you to make more money. One thing. It's your skills. It's what you know. Because think about it. If you have better skills, than somebody else, you advance in your job.\r\n\r\nHere's what I believe, the most important skill for you to have is how to make money while you sleep. So, you can do this through trading or investing in real estate. So, you need to have this skill to make more money not based on how much you work, but based on the money that you invest. There was a dude called Malcolm Gladwell and he wrote a book it's called \"Outliers.\" In this book he suggested, that it takes 10000 hours before you master a skill. 10000 hours? Are you kidding me? I think this is way too much. So, what is the shortcuts? You simply ask somebody who has done it, right? So, if you want to become a millionaire ask a millionaire, \"What have you done?\" If you want to make money in stocks, ask somebody who has been making a lot of money in stocks, \"What do you do?\" And the best thing I believe to do is get a mentor. You will see, that the rich people will gladly share how would they make their money. Rich people don't have a scarcity mindset. You see, poor people always think, \"Okay, I shouldn't tell anybody what I'm doing to make some money.\" Rich people they tell you all the time, \"Hey, here's what I'm doing and here's why.\" They have an abounded mindset, right? If everybody would be a millionaire I do believe that the world would be a better place, because I also believe that the lack of money is causing a lot of problems, and you see sharing this what I'm doing here.\r\n\r\nAnyhow, a key concept is what you focus on expand. Financial advisers and gurus want you to focus on your expenses. So, what happens when you focus on your expenses? When you focus on it it expands. What I want you to focus on is making more money. How? By acquiring a money making skill. And how do you acquire a moneymaking skill in the fastest and safest way possible? Ask somebody who has done it. And not the financial advisors, because think about it. Financial advisors. Are they already millionaires? You should ask them, maybe they are. Maybe they are not, right? Because you know what they say, \"Show. Don't tell.\" All right. So, this is why I believe that keeping a budget is bad financial advice. Do you agree? Is this making sense? Please do me a favor, leave a comment and let me know what you think about it. And I know that this is controversial but, hey, this is my opinion and I stand by this. I personally do not have a budget. Why? Because I have enough money coming in. And this is what I want you to do the same.<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=Cl54XQBCgR0'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/05/09/bad-financial-advice-you-have-to-stop-doing-this/</em><hr/></center>",
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      "body": "<p><iframe width='560' height='315' src='https://www.youtube.com/embed/-C9q93aYKwc' frameborder='0' allowfullscreen></iframe></p>As a financial services business our priorities are to be great role models to our kids, loveable spouses, likeable friends and all round good people. For our clients we want to work together to turn their big picture goals into acheivements whether that be a comfortable lifestyle with more time for family and friends, owning the perfect home, having control and flexibility with employment options and anything else that is important to the individual. For us success is hearing stories of overseas holidays, adventures with family and friends, the opening of a new a business or spending more time with the grandkids and even enjoying a wine on the deck All the things that really matter. Stories where money and wealth have become secondary - an afterthought. Our perspective is that money is a resource and not a reason for living. Ultimately we just want to help people be confident in their plan and happy acheiving their lifestyle and financial objectives, whatever they might be. We think the main barriers to anybody reaching their big picture objective usually comes down to three things; knowledge, motivation and time.\r\n\r\nIt can feel complex when you have to sift through endless opinions, options, information sift through endless opinions, options, information and products before you can even think about implementing your decision. It doesn't have to be. We overcome these barriers by combining our advisory and lending services with an important overlay; education, coaching and most importantly saving you time. We say to our clients 'if we teach you about money, support your throughout and take away the grunt work involved in the research and paperwork - using your money in an effective way will be relatively easy.' And rather than being told you're on track, it's always better to be shown. Having a visual and interactive picture of your own situation to simply know if your goals are possible empowers you to have a non-complex way of taking control of your money and lifestyle. Our different perspectives and standards is what makes us unique and trusted. .<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=-C9q93aYKwc'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/05/09/finspective-financial-advice-lending-solutions-financial-education/</em><hr/></center>",
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      "body": "<p><iframe width='560' height='315' src='https://www.youtube.com/embed/Rx-LMZRWQ5Q' frameborder='0' allowfullscreen></iframe></p>- Hello there and welcome. You know, Sophie Tucker once said, \"I've been rich and I've been poor. \"Rich is better.\" There was a Spanish distiller who said, \"The good life is expensive. \"There's another way to live that doesn't cost as much \"but it isn't any good.\" I subscribe to that. I have been very poor and I've been fairly wealthy and I'm gonna tell ya, one is much better than the other. Now you know financial freedom is something anyone can accomplish, you really can. It's a matter of making a decision. You know we talk about goals, you could have a goal of having financial freedom. You can set up multiple sources of income, you can just keep it going up.\r\n\r\nNow how do you get it going up? Well, first of all you earn it. All money's earned. If you get it and you're not earning it it ain't gonna last. And you fight to get, you fight to keep. But there's no end to what you can earn. We've got a marvelous mind and we put it to work the right way we can do some great things, but we've got to put it to work the right way.\r\n\r\nNow, I discovered one time I was asking myself, what do wealthy people do that's different? And I figured it out. They all have multiple sources of income. They don't have one. They have many sources of income. How many do you have? This is worth studying. We teach that all the time in our seminars. Leave your information and get into this and find out how you can have multiple sources of income.<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=Rx-LMZRWQ5Q'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/05/07/creating-financial-freedom-bob-proctor/</em><hr/></center>",
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      "title": "How Much Does It Take to Reach Financial Freedom?",
      "body": "How much does it take to reach financial freedom? Out of all the videos I’ve made, I reckon this title should be the most attractive to look at. However, when many people face the goal of financial freedom, there is an idea in the subconscious: \"This goal looks good, but I have no hope in my life.\" When facing a goal, no matter how impractical it is, the first step before completing it is to define it clearly. The goal of financial freedom is too general, and different people may have different understandings. It is estimated that most people have not thought of this seriously. Even if it's really asked, it's basically a really big number. And to specifically find a way to estimate it, the obtained value may be more practical and more clear. This is the first step towards completing it. Define criteria Financial freedom can be roughly defined as the state of not having to work for the sake of living expenses. You can think it as an institution or individual that is very nice to you and is also very reliable, sending you money at a fixed time each month, with an amount sufficient for your expenses every month.\r\n\r\nThis is basically the state of financial freedom. There is a special term for these: passive income. That is, you don't need to work to earn that income. You usually will put the money in the bank and earn passive income from the interests, but that is generally not enough. If the annual passive income exceeds the annual living expenses, then that is financial freedom. Now the definition is clear, now look at the standard. The cost of living differs for everyone, and the cost of living will be different when you have more money and when you have less money. Although everyone is different, it can be simply divided into three levels: Meet essential expenses for basic living, such as clothing and shelter. Meet the current quality of life requirements of the expenses, live however you want. Meet your dream expenses, travel around the world, mansion, and yachts. Estimated annual expenditure For different standards of financial freedom, a year's spending is naturally different. But it can still be estimated more accurately. For the first level of the estimation, we only need to check the previous year's basic necessities’ bill.\r\n\r\nExclude all the unnecessary expenses. In this way, it is estimated that a year will not cost much money. Like $100,000 a year. The second level of estimation is simpler, and if you spend most of your expenses with mobile payment, you will able to see your total bill for a year from the payment app, which has almost a relatively accurate value. Like $200,000 a year. You will need to do a survey for the third level of estimation. Based on your own specific dreams, verify the price of each individual, and finally, add up to estimate a value. Like 1 million every year. Of course, if you want to buy a private jet, or buy a big asset like a holiday island, you don't have to calculate the price of buying it. And it only takes to calculate the price of a life that enjoys this quality over the year. For example, renting a private jet plus the money spent by the entire service team for two weeks is still very different from buying it, the former is much cheaper. For your dream life, it is important to enjoy this quality of life services, rather than owning the asset.\r\n\r\nEvaluate the speed of asset appreciation The way the average person gains passive income is by investing. And investment has an indicator that easy to refer to which is the annual rate of return. No matter what type of investment you choose, you need to review your investment data from previous years and not overestimate your investment and financial skills. After a careful assessment, you will get an annual rate of return on investment, such as 5%. At this point, the values needed to do the final calculation have been estimated, and all you have to do is a primary school math problem: Total money needed for financial freedom = annual expenditure / annual rate of return on investment If you only ask for the first level of financial freedom, by bringing in the above value, you will need: $100,000 / 5% = 2 million If you want the third level of financial freedom, by bringing in the above value, you will need: $1 million / 5% = 20 million Of course, the above calculation is just an example.\r\n\r\nYou might have a bigger dream, and you might want 10 million a year, you may also want to be able to invest comparable to Buffett, the annual return on investment rate of stable reached 20%. It doesn't matter, bring in the formula to figure out how much it will cost to complete your financial freedom goal. After figuring out the target amount, no matter how far away it is from it now, you can at least see it. All that remains to be done is to make a plan and find a way to achieve it as soon as possible. It’s the end of the video already, what are you still doing here? Hurry up and start making money! .<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=c_wEx-NDz6g'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/04/25/how-much-does-it-take-to-reach-financial-freedom/</em><hr/></center>",
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      "title": "7 Steps To Financial Freedom & Independence For Millennials & Students! || SugarMamma.TV",
      "body": "<p><iframe width='560' height='315' src='https://www.youtube.com/embed/nFqyJc0P7jM' frameborder='0' allowfullscreen></iframe></p>Hi everyone and welcome back to my channel, SugarMammaTV. My name is Canna and today I want to talk to you about millennials and money. Now, in the media there is so much doom and gloom when it comes to millennials and their future. There's a lot of comments and opinions that millennials are lazy. Millennials are going to have a really tough time finding jobs. Millennials aren't motivated and they're just never going to be able to get ahead of life because the cost of living is just so high. Well, you know what? I am absolutely sick of all this negativity, it is so incredibly depressing and it's really disempowering. So instead of just focusing on the problem. How about we snap out of it and focus on the solutions here. So today I want to talk to you about seven steps that you can follow to start getting ahead financially and prove the media wrong and prove to the media that millennials are incredibly motivated, incredibly passionate, especially when they connect to something that really resonates and excites them that they have a great sense of purpose and direction and a huge amount of ambition and energy when it comes to doing something and they really believe in.\r\n\r\nNow, at the end of this video I'd love to know what you think about this video and also if you have any other tips and tricks that you could share that will also help millennials get ahead. Now, the biggest and best thing about being a millennial, you have the benefit of time. You have so much time to achieve things but the earlier you get cracking and do something with your finances, start becoming friends with your finances, the bigger and better the results are going to be and I promise you it's going to be so much easier and so much more fun. I promise you, you will never regret it. Tip number one is mindset. Stop thinking about the doom and gloom and start thinking about the solutions, start thinking about what you can create for yourself. Even if it's only something really small, start doing it because as you do it you see the results you see how powerful and people who you are. Also have a really good think about your mindset when it comes to spending. My money mantra is only buy what you love, value, use and appreciate.\r\n\r\nBuilding wealth has actually nothing to do with how much you earn but what you do with what you earn. Don't get me wrong I love a luxury purchase. However, I do it within a balanced approach. I prioritize my financial goals and my financial successes before I go and reward with some some extravagant luxurious purchase. Step number two is to have a financial snapshot You need to understand where you stand financially right now. So, open up your Excel spreadsheet and write down today's date and write down all your assets, all your liabilities and how much passive income you earn. Now, when you first start doing this it might seem very small. Not much to put into the Excel spreadsheet but as you see as time goes by and you regularly update this Excel spreadsheet, you will see that you're actually getting wealthier and wealthier and because you'll see that progress you'll be more motivated and more committed and connected to growing these numbers.\r\n\r\nSo when it comes to what you put in that Excel spreadsheet. I'm really sorry, it doesn't include cars, depreciating assets, even those luxury purchases like a designer handbag. It's real financial assets So you'll write down your retirement savings such as your 401k plan or your superannuation account. You'd write down any cash savings that you have any investments that you might own like shares or term deposits or even property or bonds. Put them down in this Excel spreadsheet and add them up. On the other column in the Excel spreadsheet you write down all your liabilities. So any credit card debt that you might own, any student debt that you might have, any investment loans or mortgages. Write down these numbers and add them all up. This will then enable you to create a net figure.\r\n\r\nThis is where you take the assets and deduct the liabilities. It will give you a net wealth bigger and as I said, make sure you put down today's date. In the third column, I want you to write down how much passive income you earn. At the moment it might be zero, but that's something we're going to learn to build by watching my videos and being subscribed to this channel. Now examples of passive income you might earn it things like earning interest off bank accounts you might only be $1 per month that they earn in interest and that's okay because I'm going to show you how to build it.\r\n\r\nWe're going to really turn up the volume on your passive income because that is the key foundation to true financial independence and security. Now, every time something changes in your situation or even every month, go into that excel spreadsheet and update it review it. See what is working and see what is growing. Maybe your employer is putting more money into your superannuation .account Maybe you're paying off those credit card debts. Now, as I said review and update this Excel spreadsheet on a regular basis. It's a little bit like losing weight or going on a fitness plan. When you jump on the scale, you can see exactly how much you weigh and that's means you can set the goals as to how much weight you want to actually loose.\r\n\r\nNow, when you see that weight coming down. You're feeling more inclined and more motivated more passionate about sticking to the diet, the exercise plan because you can see it's actually working. This is exactly the same principle when it comes to that wealth spreadsheet. You can see that you are actually getting wealthier. You can see that financial security is realistic and you can see how powerful and capable you are. So you keep going with the strategy.\r\n\r\nStep number three is to have a budget. Now, I've already created two or three videos around how to budget and how to manage your cash flow. So make sure you watch these videos and I will link them in the video description box below, but having a budget is not about being restrictive or depriving yourself or being mean. It's just simply about having spending boundaries so that you don't go and blow all that money and wake up one day and go woah, where is all my money gone? That is not what what we want to do. We want to actually use our money and spin it and invest it and save it wisely before it all goes and when you have a budget you can actually put in the budget your financial goals. So say for example, you have a goal to save up thirty thousand dollars for a deposit on your first home. In your budget you put in a regular savings plan so that you make it actually happen. Step number four is to set financial goals.\r\n\r\nYou need to have financial goals that are short, medium and long term. They need to be detailed. So you need to say to yourself. I want to build up a passive income of $100,000 per year or I would like to buy an investment property worth $300,000. You need to have a numerical details in your financial goals and need to be able to articulate them. So if you bump into me in the street and decide to come up to say hi, which I would love. I want to hear what your friendship goal is. I want you to turn up and say hey Canna I watched your videos on YouTube, my financial goal is to get rid of my $10,000 credit card debt by January 2019. I want to hear exactly how much and by what deadline because it makes you accountable. Puts a lie on the stand and you know that time is ticking so you'll pull your finger out and make things happen.\r\n\r\nSo that goal must have it an amount and it must have a deadline. Never say in three months time or in six months time because you're always pushing that goal into the future. Give yourself up a really strict deadline so that you work towards it all the time. These short and medium-term goals can be daily and monthly, quarterly and by annually and annually. Make sure that they're all in line with each other. So you all your short-term goals are positively aligned to the achievement of the big picture goal. I love that saying we always overestimate what we can do in one day, but we underestimate what we can achieve in one year. By breaking one big goal into little bite-sized mini manageable and achievable goals just like the principles of a thousand dollar project. This is how we get stuff done.\r\n\r\nThis is how we progress. This is how we succeed. Step number five is to educate yourself. Make sure you subscribe to my channel. Make sure you're reading books listening to podcasts listening to books on Blinkist. This is incredibly important. You need to be feeding your brains with you understand what money is. How money work, how to use money, how to spend money, how to invest money and how to grow money. Make sure you've also subscribed to my channel but also you subscribe to my website.\r\n\r\nEvery week I send out the sugar hit and I'm back to blogging on a weekly basis. So I share with you what I'm doing with my money and on top of that I also have a special private membership group called the sugar tribe. Which you can join and for most people is actually tax-deductible because it's financial education and empowerment. We all share our financial goals together. We share tips and tricks and every week I talk about books that I'm reading. I share with you other key points about those books. It's an incredibly connected and powerful group where we're all helping each other achieve our financial goals because we're making each other accountable. Everyone is welcome to join that group and I will link in the video description box below how to join it, but as I said as a minimum make sure I subscribed to my website because that is free.\r\n\r\nI've also created a free ebook which is going to be made available to everyone that subscribes to my website. When you subscribe you'll get a book. It''s a book that gives you through steps to follow to get back in touch with your finances. To start clearing the decks and actually making sure that you're building a strong foundation of factual wealth and you're doing the right things now so you can benefit in the future. Now, if you've already subscribed to my website and think oh my gosh, I'm going to miss out on this. Don't worry. It's okay I'm actually going to be sending it out to everyone that is already subscribed. So don't unsubscribe. Stay there and for everyone who's not subscribed make sure you do so right now.\r\n\r\nThe links are in the video description box below to sign up. Step number six is just do it. Stop all the talk and all the thinking about this is something you want to do, start doing it. I am the polar opposite of all talk, no action. In fact, I'm so dying to get myself in trouble because I'm no talk or action. I will go and do something and then tell people I've done it and he was like what huh? When did you do this like to do that? How did you do that gets me into trouble sometimes but you know what, I don't really care because I get stuff done. That is how I get ahead financially. So stop all the chatter in your mind talking to your family your friends about your dreams and your passions. That was great but tell them what you are actually doing rather than what you're going to do.\r\n\r\nMake silence be your success. Just get out and start doing it and as you do it you're going to inspire other people to keep doing it as well. So make sure you communicate to people what you were doing because it's seriously powerful and magical. Alright, my final tip is tip number seven and that is to start investing. Of course, it's important to save and save up for those big financial goals, like buying your home paying ,off your debt those aren't really important, but once you've done that start investing start building long-term passive income streams. Whether it be through a portfolio of properties build it one property at a time in a really conservative manner.\r\n\r\nBuild a share portfolio if that's what you'd really like. Start building investment portfolios now and on that note your retirement savings account are actually your investment portfolio. You already got one your superannuation account is an investment portfolio. It's just simply locked by the government to stop you from spending it because we're all really bad what we have temptation. So go and have a look and where your retirement saving money is invested. Don't just say to me oh Canna, I'm a superannuation money is with hostplus. That's great. So hostplus is just a platform. It's just a shopping basket. What are the ingredients inside your shopping basket? I want to hear about where you've invested your superannuation money or your 401k plan or your RSA account or your pension.\r\n\r\nI want to know where you are investing your money. I do not want to ever hear while I'm in the default balance fund because that's what my employer picked or that's what my superannuation account provide a people for me. No, no, no. No that is completely wrong. Make sure it's invested where you want your money to be invested. Make sure it's invested for your long-term capital growth and income opportunities. I promise you if you can invest just a little bit of time right now, as well as on a regular ongoing basis where you check in to see how your financial health and fitness is going you will experience exponential growth in your financial wealth. You will see the power and the effect of compounding growth really kick in and you'll be a lot more motivated and a lot more connected and committed to growing that wealth.<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=nFqyJc0P7jM'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/04/25/7-steps-to-financial-freedom-independence-for-millennials-students-sugarmamma-tv/</em><hr/></center>",
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      "permlink": "sidehustledefinitionyournextsteptofinancialfreedom-8peo0ela6b",
      "title": "Side Hustle Definition | Your next step to FINANCIAL FREEDOM",
      "body": "- Are you ready to make money on the side so you can ditch your cubicle? Well, that is what a side hustle is all about. Stay tuned because I've got a download for you that will help you get on your way. If you're looking for ways that you can buck the system and create multiple streams of income so you can actually ditch that nine-to-five grind, then go ahead and subscribe. I come out with new videos every Wednesday, so make sure you hit that notification bell, so you will know as soon as a new video comes out. (rhythmic instrumental music) Hey everyone, I am Heather, and I am here to help you ditch that nine-to-five, and create a freedom-based business, so you can live your life, your dreams, your way. And today we are gonna talk all about the side hustle. I'm gonna tell you what it is and how starting a side hustle can get you on that path to freedom. And I'm doing it, so I know it works. Now, the definition of side hustle is pretty much what it seems to say.\r\n\r\nAnd that is some sort of business that you do on the side in order to generate extra income. So it could be things like walking a dog, or being a personal chef for somebody, or organizing somebody's kitchen. It is anything outside your normal daily nine-to-five job. Now, there are many different types of side hustles. Some are physical, such as dog walking or house sitting. And some are online, and there are a bazillion of those opportunities out there. Some pay really well and require some special certifications, and others create just kind of a trickle of income, but don't require any special type of training.\r\n\r\nSo there are so many choices for you to pick which side hustle is best for you. First, let's talk about side hustles that do not require special certifications or any special training. Again, dog walking is a great example of that. You can put a notice up in your community. Or put an ad out on Craigslist or on Facebook Marketplace, advertising that you are willing to walk someone's dog for them. In fact, I met a lady down the hall today. She did exactly that to me. She was here walking someone else's dog. And she asked me, do I have a dog that I need walked. And the truth is, yeah, but I should probably walk him myself because I'm here. But, anyway, it's a great side hustle, works great for her. There are other things you can do, such as become an Uber driver. If you have a car and you meet their standards you can start driving Uber on the evenings or the weekends. It definitely puts some pretty good extra money in your pocket that way. Or even if you are a graphic designer. Now, a lot of people go to school and have a lot of training for graphic design.\r\n\r\nBut there are others who are self-taught. They don't have the degree, they don't have the certifications, but they are fantastic. And if you get out there and advertise your services as a graphic designer there is a huge need for that right now. So just explore the types of things that, number one, you enjoy doing, and number two, you're pretty good at. And see if there are things out there that you can start developing a side hustle for. Now, if you're ready to start earning that side income. And you're ready to buck that traditional system go ahead and type #BuckIt below because I'm right with you. Okay, other types of side hustles require special training. For example, you could be a CPA, and on the side offer your services to people that need extra help, maybe at tax time like right now.\r\n\r\nOr if you're an attorney you can offer to review people's contracts on the side. There are a lot of different types of specialized side hustles that you can start. You can even become a notary. Now, that requires a process that your state will require you to go through. But once you do that you can offer your services and get $20 a pop for somebody who needs a notary. And that's the type of thing that would be great to do on the weekends for people who are selling real estate and need to have things notarized. If you're an app developer in your day job, well, just go advertise your services on the weekends and nights. And you can make some pretty darn good money as an app developer for people that just want to hire you on the side. So think about your skills, think about what you are trained to do. And then find the places that people advertise for those skills, and get going on your side hustle. Okay, so now you're at a place.\r\n\r\nYou're ready for the side hustle, you want to do it. The other thing that's important to pay attention to is how to fit your side hustle into your life without completely overwhelming yourself or your loved ones. And it is important to take the time to pay attention to that. So, if it's a side hustle that you do in the evenings make sure to carve out very specific hours just for your side hustle. That way it doesn't dominate your entire life. Or if it's a weekend gig just make sure you still reserve time to spend with your loved ones or doing things that are important to you like exercise, or going to movies, or whatever. You definitely want to make sure that if you are adopting a side hustle it does not create a life for you that actually makes you miserable and at the opposite effect of what you are trying to accomplish. So, you now know whether you want to do a side hustle and what type of side hustle will work for you. But maybe you need a little bit more guidance on the specific things that are out there.<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=x_ftzHhkWDI'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/04/20/side-hustle-definition-your-next-step-to-financial-freedom/</em><hr/></center>",
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      "title": "Financial Security Vs Financial Freedom",
      "body": "Semantics, semantics, semantics. What is the difference between financial security and financial independence. Or the difference between financial independence and financial freedom. The reality my friends is that there's different levels of financial success. And I want to break it down for you. And I want to help you understand some of the math behind it because once you wrap your head around this math, it's going to help take your goals that can feel nebulous on money and bring it straight home.\r\n\r\nI can remember it like it was yesterday. That second property. You know, the first one I was living in for free basement. Brought in some rent, paid my mortgage. But the second property felt like my first real investment. I wasn't living in it. And I was getting over $500. It was a $600 month cash flow. And being poor and deeply in debt and frustrated and starving is what it felt like just in my soul.\r\n\r\nThat extra $600 was like the greatest ray of hope. It was so meaningful for me. I came to find out that that would be the home that would really inspire my second, my third my fifth, my 10th my 20th home. My hundredth home. My 500th home. And now I'm buying hundreds of homes a year. And I'm building all this wealth.\r\n\r\nAnd part of what got me there was really understanding what does financial freedom really mean? Today, I want to share with you 3 definitions I think it's going to be very very useful for you. And the first thing I want to do is I want to talk to you about financial security. There's a lot of people out there that really want to taste security. They don't want to feel like they have to worry about money. They don't have to worry about their bills. Financial security however is very different than independence and it's very different from freedom. Financial security is about covering your main bills. And when you think of your main bills, what comes to mind is like your mortgage payment, your car payment, your phone payment. Its food, its taxes, its insurance, its basic clothing needs. Maybe even some indulgences. Those are basics, right? And if you got your basics covered, let's just assume for a moment that you were making $50,000 a year.\r\n\r\nBut all of your expenses actually came out to $2,500 a month. So I've got my house payment, my car payment, my clothes all my main things. If you had a residual income that produce $2,500 a month, let's just say, \"Hey, Kris. I bought 5 homes. If those homes were producing $500 each or $2500 a month, then if these are my expenses and this is my income, then they would cancel each other out. And I would be able to say \"I'm financially secured.\" Like if I lost my job, it's not that it would be doing great financially. But I wouldn't lose my house. I wouldn't lose my car. I'd be able to put food on the table. Security is a part of financial freedom but it's just a small part. So, I want you to understand. I want you to know what are your main bills? What do they actually come to? Then afterwards comes financial independence. Financial independence is different than security. You need more money to be independent. Being independent means that you have replaced your job income. And so you're now independent from the working atmosphere.\r\n\r\nWhich another way of saying that is I don't have to have my job anymore. I've left my job and I have all of the money replace that I used to get there. It doesn't mean I'm rich. It doesn't mean I'm living the lifestyle I want. But it does mean that if I'm working it's only because I what? It's only because I choose to work. So, if you were making $50,000 a year. And that $50,000 a year comes out to basically 4,000 a month, then for you financial independence would occur when you have $4,000 a month coming in residually. Security covering all your main bills. Independence is covering all of your income. But after you become independent... So, when I tell people that I became... When I used to help people I retired at 26. The reality is that what I had achieved was security surpassed it independence. And I was already on my way to financial freedom.\r\n\r\nAnd I'll tell you why in just a second. Financial freedom is different. Said in a very simple way. The lifestyle that you want to live that you can't afford right now is what happens when you become financially free. And there's a monthly price tag for it that I want you to be able to identify with. You see for me, my bills were around $3,000 a month when I quit my job and I was bringing in $12,000 a month. So, was I already independent? Yes. In fact, I had $9,000 more. And it allowed me to live more of a dream lifestyle. But since then a lot has changed. Financial freedom for me has more houses and more cars and more will travel and just doing more of things. And we can reverse engineer all those things. Like if this is a multi-million dollar house. I can figure out what the payment on it would be. And I can start figuring out, \"Oh, if I wanted to have a house in Monaco and if I wanted a private jet and if I wanted my house over here, I wanted to do a bunch of different things with my life\", then all of a sudden my financial freedom might come at a cost of $70,000 a month.\r\n\r\nAnd just try out for a moment that 70,000 a month is a different number than 4,000 but it's not a lot. You got to get a lot in a little out of your head. Because it's just a mindset game. You got to get... Whatever seems a lot, you got to get comfortable and basic and easy to achieve and acceptable so that you can raise your financial barometer and actually go out and get it. My friend, understanding the difference between security independence and freedom, I'm inviting you to take pen and paper and do an exercise a little bit later and sit down and ask yourself, \"What are my bills and how many deals do I need to do?\" If it's 500 a deal, \"Then how many deals do I need to do to achieve security? How many deals do I need to do for independence? This is 8 houses. \"How many deals do I need to do to live financial freedom with $70,000 a month?\" Or basically have a million dollars a year in expenses.\r\n\r\nWhich is private jet and private homes and doing all these amazing things. It will come down to a certain number of homes. Here's what I want you to gain from today's video. There is a science to wealth. There are rules to wealth. And there's got to be a place where you can go to learn from the millionaires and billionaires that can teach this to you. I've been fortunate to have some of the most amazing mentors in my life. And when I look at how real estate, helped me achieve security independence and freedom. That is a gift that I want to pass on to you. I'm going to tell you exactly where to find it. If you click the link in the description below, you're going to learn about one of my favorite financial events. It's a multi day workshop. It's a game-changing experience. It's called unleash your financial destiny.\r\n\r\nAnd this experience is designed to teach you everything you need to know about real estate, money the rules of the wealthy, the mind set. Everything that's gotten me to where I am that I've been able to use to help other people where they want to go. And you know what? You're going to want to get in a plane, hop in a car and find your way to one of those next events and you'll find it right on the calendar if you click the link in the description below. Heck, even talk to a member of my team. It has been a game-changing experience now,for over 5,000 people that have experienced that event with me.\r\n\r\nAnd you just might be the next one. So, if you're ready for your financial mentor, if you're ready to learn and grow, if you're ready to get serious about learning the rules of the wealthy, come join me at that next event. .<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=GCyCAemJgps'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/04/20/financial-security-vs-financial-freedom/</em><hr/></center>",
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      "title": "How NOT to invest for financial independence",
      "body": "Since I’ve started trying to talk a bit more openly with people around me about money, I have been a bit surprised by how many people are keeping their savings in cash, using highly conservative investment strategies, or who have never even considered anything beyond mutual funds. Most of the people I talk to who do have investments don’t seem to know much about them, can’t explain why they chose them, and don’t really know what other options they have. So in this video, I wanted to share some high level information to help demystify your investment options.\r\n\r\nThis is going to be a high level overview of some of the main ways you could invest your money. We’re going to talk about bonds, GICs and term deposits, mutual funds, stocks, and then one subset of stocks called exchange traded funds. I’ll share a few details about each and let you know why you would or wouldn’t choose each option. I’ll preface this whole conversation by saying that for most people in pursuit of financial independence, bonds, GICs, and mutual funds are pretty unpopular options. The reason I’m covering them at all is because many people still seem to use them, even though they don’t offer many advantages, and because I think it’s sort of difficult to explain why I think ETF index funds are far superior without having a bit more conversation about the other options.\r\n\r\nLet’s start with bonds, which are also referred to as fixed income investments. What are bonds? You can think of a bond as a loan that you’re making to a government or corporation. When governments or corporations need to raise money, they issue bonds with agreements to pay them back in full, with interest, and sometimes with additional money to account for inflation, by a certain date.\r\n\r\nThe term of a bond can be up to 30 years, but you can usually sell at any time. The value of bonds can change a little bit, mostly in relation to the interest rate environment, but overall they tend not to fluctuate very much. The longer your investment period, the higher you can expect the interest rate to be, but interest rates on bonds are low - most bonds issued by the Government of Canada, for example, pay an interest rate of less than 2%. So how do you buy and sell bonds? You can buy and sell bonds like you would stocks - through your brokerage account. You can buy bonds directly from the issuer or through your brokerage account, but you can also gain exposure through mutual funds or ETFs, which we’ll get into in a minute.\r\n\r\nSo, when would it make sense to buy bonds? Bonds don’t offer much in the way of growth potential, and depending on the specifics you could actually lose money to inflation over time, but they otherwise protect your principal investment. So if you can’t risk losing any of your initial investment, bonds could be an option, as long as you understand that very little risk also means very little reward. Ok, moving along to GICs, or guaranteed investment certificates, and term deposits. A GIC is basically a fixed term loan that you are providing to a financial institution. In return for loaning them your money for a certain guaranteed period of time, they’ll pay you a little more interest than they would on cash that you could decide to withdraw at any time. Fixed terms typically range from 3 months to 5 years. Although the basic idea behind GICs is that the loan period is fixed, there are also cashable GICs that you can withdraw at any time, but the interest rate paid on those is lower than others. So for your fixed term GICs, you can choose one with a simple interest rate, or, you can allow for some variability by letting the bank invest the money in the market while they have it.\r\n\r\nThis is less risky than investing it yourself, because GICs will always guarantee your principal investment and a minimum rate of return, but if the market does well, you have a chance to earn a little bit more on that investment. Even in the best case scenario though, the highest guaranteed return that I could find was 5%, where the lowest was around 1%. The best case scenario that I found was a GIC that would be invested in the market that offered a 5% guaranteed return with up to 25% returns if the market did well. Higher returns come from longer investment periods, non-cashable accounts, and larger investments. Unlike bonds, you don’t need a brokerage account to buy GICs, so you just need to set up your regular account for GICs. So, when would it makes sense to buy GICs? Like bonds, GICs are an option for protecting your principal investment and earning a little more than you would in a standard savings account, but this is still a very conservative investment vehicle.\r\n\r\nNext up is mutual funds. If you head into your bank and ask a financial advisor about investing, chances are, they’ll point you in the direction of mutual funds. A lot of the time, advisors will receive a commission for selling you mutual funds, so they’re incentivized to tell you more about that than any other option. Let me know in the comments down below whether you’ve had this experience - was your first investment in a mutual fund because of recommendation from someone at the bank? And while you’re at it, if you’re enjoying this video, don’t forget to give me a thumbs up so I know to make more content just like this. So, a mutual funds is a collection of stocks and/or bonds. You can choose mutual funds that focus on a particular industry or geography, or even a particular asset class like a mutual fund that invests mostly in bonds, or mostly in very well established companies.\r\n\r\nThere are also very broad based mutual funds called index funds that are designed to hold a set of assets that is reflective of the entire market. Index mutual funds are set up to generate the same returns as the overall stock market - if the market returns 8%, the index mutual fund should too. One of the main downsides of mutual funds is that they have a fund manager whose job it is to regularly rebalance the holdings to try to get the total collection to perform as well as possible, although they rarely outperform the market. Because there is someone behind the scenes actively managing the fund, there is a fee associated with owning a mutual fund.\r\n\r\nThe fee, known as the ‘management expense ratio’, or MER, is generally between 0.5% and 2.5%. So even if your mutual fund returns 8%, the money you get out of it could be as low as 5.5%, after you’ve paid your fees. So, when does it make sense to buy mutual funds? In my opinion, almost never. If you’re comfortable investing in the market and going with an investment that doesn’t guarantee your principal, there are very similar options, that involve similar levels of risk and investment knowledge, but that will yield greater returns because they have lower fees. Finally, let’s talk about stocks. Stocks are a pretty far reaching category, but essentially when companies need to raise money they will sell of tiny pieces of the company in the form of shares, so when you own a share you actually own a tiny sliver of the company.\r\n\r\nThat entitles you to some of the company’s earnings, in proportion to the number of shares that you own. You can buy shares in nearly any type of company out there, but it can be very tricky to choose ones that are going to bring you good returns, and you can potentially lose money, which is why people new to investing might perceive investing in stocks as a pretty risky option.\r\n\r\nSince investing in individual companies is a less popular approach for people pursuing financial independence, I’m going to focus on a particular subset instead - exchange traded funds, or ETFS. ETFs are a lot like mutual funds, but they’re traded through your brokerage account. There are a wide range of ETF options out there, but I want to zero in on index ETFs. Like index mutual funds, they’re designed to track all or part of the market. The biggest difference is that index ETFs are passively managed, which means that they don’t have someone playing around with the holdings all the time trying to get a better outcome. Because of that, their management expense ratios are much lower. Typically, less than 0.5%. The difference between a 0.5% fee and a 2.5% fee might not sound like a lot, but as your portfolio grows, it can actually make a really big difference. You can even choose index ETFs according to your level of risk - you can get funds that are invested 100% in stocks, 80% in stocks and 20% in bonds, 50% in stocks and 50% in bonds, or many other combinations.\r\n\r\nSo I’m going to stop there for today because index ETFs are the main type of investment you’ll hear promoted in the financial independence community and it’s a topic I want to dig much deeper into.\r\n\r\n.<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=fKkrK77ZfGQ'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/04/15/how-not-to-invest-for-financial-independence/</em><hr/></center>",
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      "title": "4 Steps To Financial Freedom In 5 Years",
      "body": "How do you achieve financial freedom quickly? Man, I get asked this question probably more than anything else on my blogs and my email responses. when people are tweeting. All this stuff. People want to know, \"How do you do it quickly? How do you get to that state of financial freedom?\" For those of you that don't know, my name is Kris Krohn and I am your co creator of financial freedom. I retired by the time I was 26 years old. I'm a best-selling author. And today, I'm going to be breaking down 4 steps of what you can do in the next 5 years to win back your freedom. This seems like one of the hardest and most difficult things to do. But I want you to understand that once you crack the code on it, you're done. Because you can repeat it over and over and over again.\r\n\r\nThe life that you want to live, manifesting this this life of abundance and financial freedom and and really what I call having it all. Having it all is this idea that why not have that beautiful strong, fit, abled, healthy body? Why not have this relationship with yourself and others in the rest of the world where you're deeply connected and you've got this beautiful relationship with them? Why not have a life of abundance where... Listen, whether you want to be the world's biggest giver on the planet or whether you have dreams that are going to take lots of money or you want to put people on them on the moon. The reality is that you can have it all. All you got to do is crack the code on one thing that works. Do you understand how cool that is? You're so much closer than you even know.\r\n\r\nAnd in this video, I'm going to be sharing with you the key 4 things for you to do that are going to help you win that life. But before I share them, I want you to understand something. The only reason why I have them versus not is because I got off my arse, I got up, I stood up and I said, \"I need to make this happen because no one can do this for me.\" Fortunately, I started with great books but then I got mentors and people that supported me in my journey. And for you, I may be that support that you need to help you rise up and seize it all. Okay, the first thing that you're going to need is a wealth system. Now, I want you to understand something about wealth system. I need you to understand that there's a lot of ways to make money out there but you've got to find the one that takes the least time, the least effort, the least risk that creates the most value for others and makes the most money.\r\n\r\nIf you can find something that meets those 5 criteria, then guess what? You've landed the system that you just repeat over and over and over again until it's built up the cash flow that you want to live life on your terms. Now, as far as system goes, the system that I leverage that I wrote about in my book, The Straight Path To Real Estate Wealth. Years ago that I'm still using today. It's a very simple system where I leverage real estate investing, I basically buy homes at a discount in the best markets, with the highest ROI, the best cash flows, the best growth. And I have a team that does it all for me. Because in the end, I don't want to be the landlord that has to do that nor mess it up. And I don't want to be the realtor that's licensed that's digging it up.\r\n\r\nAnd I don't want to be the loan officer. I've done some of these things before. And one of the things I learned that is worth writing down is that if you want something done right, don't do it at all. And don't do it yourself. That's what the experts are there for. When Henry Ford built his automotive company, today he's still credited for saying that the only reason why he's able to do what he did it's not because he was an engineer. He didn't know how a car worked. What he did is he knew that the secret was to surround himself with the smartest and brightest people instead of assuming himself to be that person. Because out the gate, you're going to be small. You don't have any experience, you don't know what you're doing. You got to surround yourself with a winning team that does.\r\n\r\nNow, my system was really simple. Buy real estate and do a deal where you could make 50 to 100 thousand dollars on a home. And I was making 50 to 100 thousand dollars on the home. So, for me to become a millionaire, let's just say I was making 50,000 a home, how many homes do you need to become a millionaire? 50,000, 100,000, 150,000, 200,000... 20! You buy 20 homes, you make 50,000 in each one of them, guess what? You make a million dollars. What if you say that you want to have 5 million dollars and you want a residual income of $400,000 a year. Maybe you want to have a $35,000 month residual income, great! Then there's a number of homes for you to buy. The reality is guys, it's a system. You just learn it and you do it. I mean it's to the point where I even just walk people through the system.\r\n\r\nI'll teach them if they want to know. I'll just give it to everyone else. And if you click the link in the description below, I'll share with you what that looks like. Okay, step number 2. You need to build a track record. And a track record means that you need your first 2, 3, 4 or 5 homes to be home runs. My students that I work with, when I get them started on their first few homes, the most important thing is not the money they're going to make on those homes. I need them to be home runs and to know how they made those home runs happen.\r\n\r\nBecause more important than the money they're making on those homes is their track record. Here's why track record is so important. It's because you can sell a track record rather than selling a property. The idea is infinitely worth so much more than whatever gains you'll ever make on that home. For example, when I got in the game of real estate, everyone thought I was crazy. My wife was supportive but even she probably thought I was a little bit crazy. She thought I was really putting myself out there on the edge. I knew that my in-laws thought I was crazy. My family thought I was crazy. My siblings thought I was crazy. My friend said I was crazy. And you know what? It took some courage to step out and act and it was because of the pain in my life that said, \"I can't keep going on the way that I am because my telemarketing job is never going to get me where I want to go.\r\n\r\nMy college degrees as I evaluate them are never going to allow me to live anything other than mediocrity and some level of average life.\" And I just I didn't want average to be a part of my destiny. So, when I bought my first house, I was alone. And I took me 14 months to figure out how to do it. But then because a system emerged, I did it a second time. I did it a third time. And by the time us get ready to do it the fourth time, my father-in-law, not my greatest supporter financially at that time with this whole real estate thing, spoke up and said, \"Kris, what are you doing?\" And I showed him my track record on 3 homes and because of that record, guess what? He decided that he would put up the money for the fourth deal. Which was awesome because I actually didn't have the money and I was totally stressing. Because that deal made money, my father-in-law made 100% on his money. He decided to do it again and again and again and again and again. And then I learned about step 3.\r\n\r\nIf I have a track record where someone will get involved with me, then the third thing that you learned how to do is you duplicate it faster by getting multiple partners. In other words open up more doors. Open up more outlets. So, my father-in-law, even though he and I would go in to buy 50 homes, guess what I was doing in the meantime with with many other people? We were going to buy 5-10 homes. We were going to buy 20 homes, we were going to buy 50 homes. And now, I commanded all of this wealth and all of this real estate. Because number one, it started with having a wealth system. Just one thing that works. And then number 2 doing it enough to get the track record. The hardest part of all. And then number 3 duplicating it, going a lot faster by having partners. And the fourth step is then just repeating it. Friends, those 4 steps are what have brought me to where I am out today.\r\n\r\nAnd I'm telling you I'm on my journey to becoming billionaire. And if you're a subscriber, don't just sit back and watch my journey. Don't do this whole idea, \"Let's watch Kris do it.\" Do it with me. We can do it together. If you actually click the link in the description below, I'm going to share with you how you can access my entire system that made me my first 25 properties building in my first six-figure residual income. Today, that is an extraordinarily tiny miniscule amount of money. But guess what? It's something I could duplicate over and over and over again. So, if you're watching this video and you're thinking to yourself, \"Kris, but what if I have really big goals and dreams? What if I want to make 5,000 a month? 50,000 a month, a million a month? Do I believe that you can do that? Friends, I have first-hand knowledge. I know that you can. You got to start with the first step, though you need a wealth system. So, go find one. And if you don't have one or don't know where you can, then go to the description below where you can find one.<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=rJLhFO3KbmQ'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/04/14/4-steps-to-financial-freedom-in-5-years/</em><hr/></center>",
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      "title": "How I Went From Poor To Free (Financial Freedom)",
      "body": "<p><iframe width='560' height='315' src='https://www.youtube.com/embed/pSKedLea790' frameborder='0' allowfullscreen></iframe></p>The number one thing for me was wanting freedom over security wanting the freedom of my own business where I was in complete control of my results where there was no ceiling for me I could do whatever I wanted I could achieve anything that I wanted in my mind any way I could be responsible for what I did in life if I had a job I would feel very constricted and I would feel like I couldn't do what I wanted I feel like I wouldn't have complete control and I do have a very controlling personality so having that desire for freedom I suppose was one of the most important things to me and of course it's totally fine to want the security of a job shouldn't be a lawyer or a doctor and that kind of thing but if you're going to do marketing you may as well do your own thing if you don't do business you may as well do your own thing rather than working for someone else that's what I really want to be a marketer or a management person and going into my own business was the best way to do that but of course there was more just because of my own desire for freedom rather than security so that's more of a personal trait kind of thing the next thing I suppose is getting a mentor I was able to join a course for three to five thousand dollars I don't really remember this point but getting that course made me realize it was possible to do this before that point I had a looking belief and believe I could possibly build an online business and seeing what these other people were doing in this course in this community made me realize that it was possible when was that catalyst that made me go to the next point which is following the process so the next thing that I think I was able to do really well was follow the process non-stop all the way to through to the end and step by step I looked at the course that I bought and I did everything as said to to I didn't miss anything out and I made sure that I implemented and kicked him fomenting and kept trying new things until I figure out what world so following the process was definitely in the next thing for me and then finally the other thing that I think was the main determinant for me was being impatient I was completely impatient for results I wanted to get there now and that's not really a positive trait I think it's a bad thing to be impatient all the time especially in most areas in life but when it comes to building an online business being impatient is really addictive because it means you do more faster and if you do more faster you're going to fail more faster and if you fail more faster you're going to learn from those failures faster so essentially you're gonna get there faster now that's not always true can just mean that you failed miserably faster you have to Buddha himself up back from the very bottom which I've done multiple times and only my five years in business it's definitely not a good trait to have but I do think it's been one of my teeth determinants beginning to where I am today those are my things those are the things that brought me success I think over the last five years of my online business but I want to hear from you guys comment below always brought you the most success what things you've done here brewery the most success in your business or your career so far and things that you think if I limited you as well like I mentioned with my impatience thing .<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=pSKedLea790'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/04/11/how-i-went-from-poor-to-free-financial-freedom/</em><hr/></center>",
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      "title": "What is participating life insurance? – Freedom  Financial",
      "body": "<p><iframe width='560' height='315' src='https://www.youtube.com/embed/EAOCkLM4PdQ' frameborder='0' allowfullscreen></iframe></p>how would you feel if you had insurance protection for your whole life now what if your insurance protection also had value that you could access for cash well that's exactly what you get with participating life insurance it's protection that's built on a foundation of guarantees starting with guaranteed premiums that won't change name a charity or loved one for the death benefit whomever you want so money is available when they may need it most plus your policy's cash value is guaranteed to grow over time with tax advantages but that's not all we pool money that you and every other participating life insurance policy owner pay and put it into a separate account that money is professionally managed and used to pay for the expenses taxes insurance claims and other items if the account performs better than we initially expected you may get a dividend and you decide what happens to your dividends take them as cash buy more insurance or pay for your existing coverage it's strong it's flexible and it's there when you may need it most that's participating life insurance you .<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=EAOCkLM4PdQ'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/04/10/what-is-participating-life-insurance-freedom-financial/</em><hr/></center>",
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      "body": "<p><iframe width='560' height='315' src='https://www.youtube.com/embed/qWrm5yzRrgs' frameborder='0' allowfullscreen></iframe></p>today we're talking about the ideal financial SUV and I'm using SUV as an example at the end I'm going to tell you what this vehicle is. But let's think about this for a second why does everybody own an SUV or they should own that SUV. It's because it'll do everything right. 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to get better all the time you never have to think about getting another one and the car company says to you not only are we guaranteeing you by contract that this that the value of your SUV the eques in it is going to increase every year but they say when we make a profit every year we're going to give you your share we're going to add that value to your to the equity of your SUV and you go wow this is a great vehicle and now it gets better let's assume you want to go buy a sports car you say I want a little two-seater that I can run around it so now you call up the car company and you say to them hey I want to go buy this sports car and they say not a problem by contract we will go ahead and we will loan you the money at very favorable rates based upon the collateral that you've got basically the equity in your SUV and so now you're gonna go buy this sports car and so when you get this sports car you get to drive it around and enjoy it now the loan that you borrowed from the car company they did they said you know what you don't have to pay us back yet you can pay us back whenever you want you can pay us every month every year you don't have to pay us you can just pay the interest you decide how you want to pay because someday you're probably gonna sell that sports car when you can't get in it anymore or actually you can't get out of it anymore and so now you're gonna sell it and you're gonna take that money and you're gonna pay it back to the car company now here's the magic the value of your SUV continued to grow all those years that you owned a sports car okay so this financial vehicle choose the financial SUV is an amazing vehicle and here's the last part of it so someday in the future when you die the car company says to your heirs bring the SU SUV in you trade in the SUV and in exchange they give you a check for two three four five times what the SUV is worth tax-free now let me ask you if car companies offered you that kind of a deal would you take it would that be of inch to you to buy a vehicle that you could have forever that always got better where the equity always grew in it that it was guaranteed that you could use it you could access the cash that would be a fabulous but they don't offer do they but it there is a financial vehicle that does do that that financial vehicle is whole life insurance now you may go world whoa that doesn't make any sense to me but let's do a little recap here so what you do is you buy a whole life policy you make the premium payments every month the value of the cash value the equity grows forever for the rest of your life in that contract the death benefit grows forever by contract the insurance company makes a profit every year they send part of that profit there your share of the profit and they credit your policy so it continues to grow but wait you need some money maybe it's to pay for college maybe it's to go buy that sports car whatever it might be put a new roof on the house and all you do is call them up and say hey I need to get a loan and use the collateral the equity of my policy to collateralize it and I'll pay it back when I can and now you own this increasing value vehicle for the rest of your life and in the end when you die your beneficiaries exchange your life insurance contract to the insurance company in exchange for two three four or five times what your policy was ever worth originally that's whole life it is the ideal financial SUV if you haven't got one you got to be thinking about it everybody needs one in their plan and I do let me just real quick I got to talk about term insurance because all the financial talking heads will tell you that term insurance is what you should buy so let's think about term insurance term insurance is like leasing vehicle you lease it for a number of years you make the payments on the lease but some point the lease runs out and you have to turn the car in and what do you have to show for it nothing you did need a car to get someplace but that's what you have to show for it term insurance is the same thing it's like leasing that SUV I'm gonna have it for 10 years 15 20 years but at the end I'm not going to have the vehicle anymore and I'm not going to have the money anymore and most importantly from an insurance standpoint I'm never going to have the death benefit if I didn't die during that term period okay so whole life it's the magic stay tuned check out our next video<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=qWrm5yzRrgs'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/04/10/do-you-own-a-financial-suv-you-should/</em><hr/></center>",
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  "timestamp": "2019-04-06T07:18:39",
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    {
      "parent_author": "",
      "parent_permlink": "financial",
      "author": "jerryl",
      "permlink": "timefreedomandfinancialfreedom-iwaschasingthemilliondollarsuntil-m7zs4297u0",
      "title": "Time Freedom and Financial Freedom - I was chasing the MILLION DOLLARS until...",
      "body": "What's up ladies and gents, this is your boy Salman back again with another daily episode of Awesomeness so basically I had dream last night I have dreams almost every night but last night it was interesting there was something new with my financial goals and if you have been following me I probably broke down my financial goals in one of my previous videos so maybe go ahead and check it out I'll provide the link somewhere in the description ok but to the point to the topic why I think this is an important topic and the fact that most of us we don't...we set goals whatever goals in life financial family goals lifestyle goals but we don't set it precisely okay like for example financial goals that's the topic right now we don't put a specific number okay when you say you want to be rich ask yourself how rich okay like for example Jeff Bezos okay he's a billionaire right now he's the richest guy in the world okay for him probably success means creating a trillion dollar company for you it could be being the best dad while having time and money freedom right do you get my point so what's for me like I did say I wanted to create a hundred million dollar company that's my longer vision but if you remember let me show you on the board if you remember I wrote it down in levels so level one level two level three level 1 $500K a year level two $1,000,000 a year level three 10 million a year I didn't go further down 100 million and then a billion...\r\n\r\nWe'll keep that aside but my ultimate goal like my true financial freedom or time freedom whatever you want to call it I want to be in this ten million dollar ten to twenty million dollar range you know that's my goal okay I don't honestly I don't want to be a billionaire... I don't mind but I don't need to be I don't want to be it's okay here's the difference guys here's the difference don't chase money okay sometimes you might lose your life you might lose the lifestyle you always wanted in pursuit of finance okay so choose happiness and time freedom over financial freedom I mean it's weird because financial freedom is somewhat connected to time freedom but time freedom is worth it it's more valuable because you can make money but you can't take them with you in your grave right so creating a billion dollar in this lifetime it's kind of well you know you get my point I mean you won't have enough time to even spend it so my theory and philosophy is create abundance have an abundance mentality okay so for me I want to have time freedom okay I want to buy a decent house for my mom and dad for myself well...\r\n\r\nStart a family okay I want to be able to visit my niece whenever I want to... that's time freedom that's a lifestyle freedom okay I like vacations but I like to work ... as I say. I would love to visit my friends whenever I feel like okay I want to be able to eat what I feel like so basically I want to be able to do what I feel like and if a million dollar or 10 million dollar can help me achieve those that should be it why would you chase billions when you don't need them... you get my point so success is defined differently for individual people I've seen a lot of people and one important thing stop comparison... comparing yourself with someone else is the worst thing ever worst thing ever I've done that a lot in my life and it's just it makes you look like a loser not in front of people but to yourself and you can't lie to yourself that's the worst thing okay for example if you're trying to compare yourself with Jeff Bezos or Mark Zuckerberg their levels are different okay so if you say you'll be successful if you beat them in their game well you'll always probably end up being unhappy you see what I mean like for example if you think if you're comparing yourself with Jeff Bezos I'm just using these names as an example because they're well-known and they're very common in this industry anybody any competitor you know in your industry okay just use them as an example okay if you try to compare yourself with them if you say oh you know what I'm making ten million dollars a year but that dude is making 100 million a year I'm not successful I need to beat that hundred level mark or else I'm not successful dude you're getting the whole thing wrong okay you're gonna ruin your life trust me re-evaluate your thoughts. meditate...calm down because you are far far far better than 99% of this planet so focus okay focus on what do you want...\r\n\r\nDon't measure it based on metrics or based on someone's standard. Have your own beliefs, have your own ethics okay create your own lifestyle and set your numbers okay and that's about it so for me like I said I want to make 10 million dollars a year twenty million would be nice because I want to give back as much as I can but ten million even...you know what a 1 million dollar a year will probably give me the financial freedom I need right now hell $500,000 would make it happen too no joke how many people make $500,000 a year I mean no come on man the place I came from nope nope barely barely so that's why I'm saying evaluate your goals I mean it's always good to have a lot so if you have a giving mentality it's good to have a lot because you can give more but at the same time don't sacrifice your lifestyle I wouldn't want to make 10-20 million dollars at the cost of spending quality time with my family at the cost of working out at the cost of enjoying the food I love you know what I mean at the cost of not being able to see my niece or family members when I need so time freedom is the most important thing it's the most important thing focus on time freedom as soon as you make that level in terms of your finance okay try to be responsible and delegate and never forget to protect your asset and utilize them well it's not how much you make it's how much you get to keep and how you get to use that money in order to prosper and grow in your personal life and spread around okay so always keep it strong here okay stay focused focus it's a very very tough thing man like I've been a victim so and I'm practicing it every single day I'm going to also teach you well I won't teach you I'm teaching myself and I'm going to reflect it on my videos and I hope you get to learn something from it very soon .<br><p>As found on <a target='_blank' href='https://www.youtube.com/watch?v=NBVZVpgjlj0'>Youtube</a></p><br /><center><hr/><em>Posted from my blog with <a href='https://wordpress.org/plugins/steempress/'>SteemPress</a> : http://iread4u.live/2019/04/06/time-freedom-and-financial-freedom-i-was-chasing-the-million-dollars-until/</em><hr/></center>",
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