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Showing posts from February, 2011

A Dream realized

Once in a while, a person gets the urge to drift in their minds to a place of wonder and excitement. That place is a place that allows them to leave their "physical and emotional" baggage at the door of their sub concious and enter into a state of epiphany. For a person that is new to the experience, it is often hard to allow the process to be a regular occurance. The process almost becomes painful over time because all their logic seems to pull them away from getting their "hopes" up. It sometimes is even verbalized by dear friends and loved ones that one has entrusted their deep kept emotions to. You may not think it happens a lot. You may not even know too many. However, there are those that have made a discipline of recreating this process in their minds over and over until realized. There are those special groups of people out there that carry the torch of keeping this process alive. These are the world changers, the hope bringers, and the influencers that ...

Unintended Consequences

I was humbled to be able to attend a conference on teaching people how money works this last weekend. I was awakened to common sense thinking about money and how it is used as leverage in ones life. Many have been sold traditional investing methods that have taken so much from many good people. Amount invested + time + rate of return = results doesn't work anymore. Average rates of return calculators that try to predict ones wealth have broken the backs of many of our families dreams. The public can awaken to this fact by just doing simple math. The fact of the matter is that rates of return do not matter anymore. The lost decade of return has netted 1-2%. Numbers tell us that we need 12.8% return before taxes to just stay ahead of the value of the dollar. As you can see, rates of return have become negligible due to inflation and taxing of the American dollar. The impact of the market has destroyed many hopes of retirement and yet they continue to count on th...