How to save and earn in the modern economy

Two important questions that have often been asked recently: “How to save money in today’s economy” and “How to make money in today’s economy? History is our greatest teacher. During the Great Depression, some people lost everything they had and others did your happiness. Therefore, it is obvious that this time in our history is what we make of it.
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A few years ago a dear friend shared with me how her deceased husband (middle-income) got rich during the Great Depression. In this article I am going to share with you the strategy he used for prosperity in a difficult time.

  • My friend said that her husband was always very frugal … rich or poor. He was much more frugal than she (my girlfriend) wanted. Note: Savings were a key element of his success because it gave him investment money.
  • At the time I knew her, she was quite wealthy and could afford to do many things that others could not. She advised me to spend money only on what is truly important to me and not on things to impress others. For example, she loved beautiful clothes and cruises, so she spent money on these things (his husband would not have.) However, she drove a very modest car (Volkswagen) and lived in a modest (no mortgage) house.
  • He always cared about $ 1,000 cash. He did not keep this money in the bank. So when depression came, he had money when most didn’t.
  • note: Because of the devaluation of the current U.S. dollar (the “declining number” by the Federal Reserve), top economists believe that this stock should be gold or silver, not dollars. However, prices for these two metals fluctuate sharply, so it is important to be aware.
  • After hard times, he bought the investment for a penny for a dollar. For example: a friend of mine said he started buying a handful of insignificant stocks for a few cents. When the market returned, some of these stocks were still worthless, while others made it rich.
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Most people demanded more money for food than for gasoline, and their cars were idle. So he bought their cars and other things they wanted to sell for the money they needed. When the market for these items returned, he sold them at a profit.

He made not a complicated but a very effective strategy that most people release because of its simplicity.


Stock Market for Beginners – What is the Stock Market?

What is the stock market?

The definition of “stock market” in Wikipedia is as follows: The stock market or stock market is a public organization (a free network of economic transactions, not a physical object or a separate organization) for trading company shares (stocks) and derivatives at an agreed price ; these are securities that are listed on an exchange, as well as those that are traded only privately.
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Now that the definition of the stock market has been discussed, we move on to a few popular topics that an investor should know before starting an investment career:
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* Becoming an avid reader of quality investment news and information sources is essential to your success as a new stock market investor. You can learn a lot about the stock market and investing in stocks, and a quality source of information in the stock market will help you a lot. Learn all about investing before you start trading stocks and risking your own money.
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* Define your investment goal. What are the real investment goals for the future? Create a game plan or action plan for your investment strategy and stick to it. Many newcomers to the stock market tend to think about quick money and short-term investments. While this is a nice thought, there are actually many beginners who lose money and never make a profit. A long-term strategy is often the best choice for beginners on the stock market, but this is not always the case. What works for one investor may not work for another, and vice versa.
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* Determine which investment trader you will be. Do you want to be a day trader? Maybe you want to scalp stocks, buy and hold stocks for the long haul or talk. Whatever you decide here will lead you along the path of learning to trade stocks using your chosen investment style.
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* The use of stock market tracking software and personal money management software is highly recommended to any investor on the stock exchange. This helps maintain order and avoid confusion with personal finances.
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Once the initial investor completes his homework, he will be more likely to make a profit on stock transactions. Often the stock market for beginners is tough and harsh. Knowledge is indeed a force and will only serve to assist any potential stock deals that you may enter into.


Obama and Buffett – Find out what you have in common with them so you can make money fast

This is NOT a political article. Like it or not, whether you vote for Obama or not is a lesson to be learned. Note that this is NOT a children’s tale. Believe it or not Superman – there is a lesson to be learned.
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Note that this is not a primer on the stock market. Whether you invest in the stock market or not, there is a lesson to be learned.
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Let’s start with Warren Buffett. There is at least ONE idea that you share with the greatest investor of all time.

Let’s consider this ONE idea you share: BUY LOW SELL HIGH.

When times are awful, Warren Buffett buys. He not only SAYS “Buy with low sales high,” he actually does.
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You KNOW “Buy low, sell high”, the purpose of this article is to make you see if you believe it, and are willing to actually do anything about it.
Prices are LOW only when there are problems. Wise investors look at low prices and decide:

  • feel good; and
  • invest at surprisingly low prices.

People who are just scared of headlines and scared:

  • feel bad; and
  • see only the problem, not the low prices.

So what do you and Warren Buffett have in common? Both you and he know the rule, “Buy low, sell high.” Warren Buffett invests when prices are low. Will you follow his example and be happy now that prices are low, or will you just see the problem and get scared?
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You may already be scared. Well, let me admit that I was also scared and didn’t know what to do for a short time in September 2008 when the markets started to collapse. But I quickly remembered what I already knew and that Warren Buffett was a model – Buy Low Sell High.
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I’m not asking you right now to necessarily buy stocks, mutual funds, real estate, etc. But I beg you to feel GREAT that the economy is poised to rise impressively from these present depths. NOW now is the time to feel great. NOW is the time to prepare for big investment deals. NOW these are the biggest opportunities.
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Let’s look at Obama and Superman. Obama is not Superman. Don’t waste time on him arriving to save you. Some think Obama will become a great president; others think it will fail. Some believe Obama has sound financial ideas; others do not. No matter he is president and he will do what he does.
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That’s the thing. He will do what he does and will NOT fly to your house to save you. There is only one person who has such a job – YOU.

Obama feels that YOU are Superman, certainly not himself. He knows he’s not Superman. But one great aspect of Obama’s character is that he knows for sure that YOU are the one who can save yourself. You are the one who can rise above your current situation. You are the one who can learn your lessons and become bigger than you are now.
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One of my favorite Obama quotes: CHANGE DOES NOT COME FROM WASHINGTON, CHANGE COMES TO WASHINGTON. In a metaphorical sense, he means that only YOU can become yourself, a nation and a world. Start with yourself.
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From what you can become your own Superman, your own Warren Buffett Your task is not only to KNOW the slogan “buy at a low price”; rather your task now is to “buy low, sell high”. Notice what good investments are now absurdly low, and then grab them rather than be afraid like everyone else.
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Bitcoin: all you need to promote?

If you had spent $ 27 on bitcoin when it was created by Satoshi Nakamoto in 2009, your investment would now be worth more than $ 37,000,000.

Widely regarded as the largest investment vehicle of all time, in 2017 bitcoin meteorically rose, from $ 777 to $ 17,000.
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By creating millionaires from opportunistic investors and leaving financial institutions open, Bitcoin has responded to its critics at every stage of this year, and some believe this is just the beginning.

The launch of bitcoin futures on December 10, which will allow investors to enter the bitcoin market for the first time through a major regulated exchange in the US, means we are just getting started.
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What makes bitcoin so valuable is that there is a finite amount. There will be a maximum of 21 million bitcoins, and unlike regular fiat currencies you can’t just print them more if you want. This is because bitcoin works on a proof of work protocol: to create it you need to extract it using computer processing to solve complex algorithms on a bitcoin blockchain. Once this is achieved, you will be rewarded with bitcoins as payment for the work done. Unfortunately, the reward you receive for mining decreases dramatically almost every year since the creation of bitcoin, which means that for most people the only viable way to get bitcoin is to buy it on the exchange. Is it worth the risk at current price levels?
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Many people think that bitcoin is just a bubble. I spoke to cryptocurrency expert and long-term investor Duke Randall, who believes the asset is overvalued, “I would compare this to the many bubbles of supply and demand, such as the Dutch“ Tulip ”and the“ dot bubble ”of the late 90s. consider the functionality of bitcoin as a real currency, it’s almost confusing. ” For those who don’t know, bubble dot com was the period between 1997-2001, when many Internet companies were founded that received outrageously optimistic estimates based solely on assumptions that later collapsed to 80-90% when the bubble started collapse in the early 2000s. Some companies, such as eBay and Amazon, have recovered and are now well above those estimates, but for others it was the end.

Bitcoin was originally created to take power away from our financial systems and put people under its control by cutting out the average person and enabling peer-to-peer transactions. However, it is now one of the slowest cryptocurrencies on the market, its transaction rate is four times lower than the fifth largest cryptocurrency and its closest competitor to Litecoin payment solutions. The Monero coin, which cannot be traced, makes transactions even faster: the average block time is just two minutes, a fifth of the time bitcoins can do it, and it’s without anonymity. The world’s second largest cryptocurrency, Ethereum, already has a larger volume of transactions than bitcoin, despite the fact that it is valued at $ 676 per broadcast compared to $ 16,726 per bitcoin.

So why is the value of bitcoin so high? I asked the same question to Duke Randall. “Everything goes back to the same supply and demand economy regarding inaccessible bitcoins, and its recent rise in prices has attracted a lot of media attention, this combined with the launch of bitcoin futures, which many consider the first sign Bitcoin is accepted by the mass market, has led to that many people have jumped for financial gain.Like any asset, when the demand to buy is higher than to sell, the price increases.This is bad because new investors enter the market without understanding the blockchain and the basic principles of these currencies. which means they can get burned. ”

Another reason is that bitcoin is extremely volatile, of course it swings up or down by thousands of dollars in less than a minute, which, if you’re not used to it and doesn’t expect it, makes less experienced investors panic when selling, leading to a loss. This is another reason why bitcoin will fight to be accepted as a form of payment. The value of bitcoin can fluctuate significantly between times when vendors accept bitcoin from customers and sell it on exchanges for their local currency. This volatile movement can destroy all their profitability. Will this instability soon disappear? Unbelievable: Bitcoin is a relatively new asset class, and although awareness is rising, only a very small percentage of the world’s population owns Bitcoin. Until it becomes more prevalent and its liquidity improves significantly, volatility will continue.

So if bitcoin is virtually useless as a real currency, what are its apps? Many believe that bitcoin has moved from a viable form of payment to a jewelry store. Bitcoin is similar to “digital gold” and will simply be used as a benchmark for other cryptocurrencies and blockchain projects for which you need to measure and trade. Recently, people with high inflation, such as Zimbabwe, are buying bitcoin to keep the wealth they have, instead of seeing its value through the carelessness of the central banking system.

Is it too late to participate in bitcoins? If you believe what these cryptocurrencies will do for the world, it’s never too late to get involved, but with the fact that the value of bitcoin is so high, it’s a boat for some who have already sailed. Perhaps you better look at Litecoin, which increased 6908% year-over-year, or Ethereum, which increased an incredible 7521% year-over-year. These new, faster currencies hope to achieve what bitcoin first planned to do back in 2009, and replace government fiat currencies.

Who knows what the price of these currencies will be in ten, fifteen and even twenty years? One thing is for sure, we better tie ourselves in, as it will be a wild trip.

Evaluation of ICO tokens and inappropriate emphasis on blockchain technical experts and ICO advisors

Statistics could no longer be ignored. Most ICOs reserve and remain unreserved as soon as the tokens hit the cryptocurrency exchange, after the madness and “FOMO” attending the crowdsale are over.

Most observers who track the ICO phenomenon generally agree that the trend over the past few months is that ICOs are losing value after a crowdsale, and many buyers are waiting in vain for the “month” they were promised as soon as the cryptocurrency goes public. portal.

However, what is not discussed is the main reason why we observe this phenomenon, and the fact that crowdsale participants, including the rating companies that most of us hope to make a choice, must make mistakes in choosing which ICOs have the greatest value, or are most likely to increase in value once the crowdsale is over.

While there are many reasons why it would be legitimate to suggest this phenomenon, there is one fact that I think is more responsible for this than most other controversial reasons: the evaluation of ICO tokens and the incorrect emphasis on “experts on blockchain ‘, ICO consultants’ or ‘technical whiskey’ for erc20 tokens.

I’ve always thought that the need for blockchain technical experts or ICO technical consultants is exaggerated, or even completely out of place when a project is evaluated against these criteria, when the project isn’t really trying to create a whole new concept of coins. For most ERC20 tokens and coin copies, the business plan behind the token and the managerial pre- and executive profiles of team leaders should be a real important factor.

As anyone involved in this industry should know, creating an ERC20 token from Ethereum or similar tokens from other cryptocurrencies does not require great technical skills and does not require an inflated blockchain consultant (in fact, with the new ERC20 Token software can be done in less than 10 minutes a complete technical beginner.

So technical should no longer be a big issue for tokens). The key should be a business plan; level of business experience; the competence of project managers and the business marketing strategy of the main fundraising company.

Honestly, as a lawyer and business consultant who has been working for several companies around the world for over 30 years, I can’t understand why people keep looking for some Russian, Korean or Chinese “Crypto Whiz” or “Crypto Advisor” to identify strength ICO since it is mainly a crowdfunding company for BUSINESS CONCEPT …

I hold the firm view that is one of the main reasons why most ICOs never justify their hype. In an era where there is a wealth of software for creating tokens, platforms and freelancers, disproportionate attention to the blockchain experience or the technical capabilities of promoters is largely inappropriate. It’s like trying to gauge a company’s likely success based on the ability of its employees to build a good website or app. This train has long since left the station with the proliferation of technical hands on the sites of freelancers such as the Guru; Upwork, freelancer and even Fiverr.

People looked too obsessed with the hype and technical skills of the people promoting the ICO, particularly the tokens based on the Ethereum ERC20, and then wondered why a technically senior Russian, Chinese or Korean guy couldn’t bring the business to a close after fundraising.

It seemed that even many of our ICO rating companies allocate a disproportionate number of crypto-experience points to a team member, the number of crypto-consultants and ICO-success experience in their team rather than focusing on the core business model to be built on the funds raised

Once you realize that over 90% of cryptographies and ICOs are just tokens created to attract crowdfunds for an idea, and just not a token for the token, then people’s focus will move from technical perspectives to more relevant work on valuing the business idea itself and the corporate business. plan.

Once we move into this era of valuation, before deciding to buy or invest in cryptocurrency, we will begin to assess the future prospects or value of our tokens based on sound business considerations such as:

– Swot-analysis of the company and its promoters

– Managerial competence and experience of team leaders

– The validity of a business idea is beyond the creation of a token

– The company’s marketing plan and strategy for selling these ideas

– Ability to supply basic products to the market

– Customer base for products and services created by the company

– and the basis for designing acceptance in the market

Most people have failed to realize that the growth potential of their tokens after an ICO depends not so much on anything technical, but on what happens in the fundraising company and the expected increase in the company’s valuation as it disseminates its business plan and delivers products for business.

Of course, buying a cryptocurrency is not buying shares and not buying the security of any company. We get it, but tokens respond just as stocks respond to good and bad news about a company. The only difference is that in the case of encryption the effect is amplified 100 times.

So when a company reaches some financial or business stages, the price of its token on the stock exchange will rise … and it will go down quickly if nothing good happens. Therefore, what the company will do and how it will do it after the ICO should be crucial for those who do not want to see the value of its tokens and stay down forever.

Of course, most tokens will crash as soon as the tokens hit the cryptocurrency exchange after the ICO, due to those who want to make an immediate profit, but whether it will ever return to give you the expected multi-valued profit will always depend on the criteria I have already laid out above. Once you have purchased a token, the value of “crypto-consultant” and “technical visit” goes to zero relative to the potential of your tokens for up to a month.

In line with this reality, I think a smart crypto buyer or investor should focus less on how many crypto consultants the project has or how technically sound the team is (if the company’s core business isn’t technical) and focus more on management, marketing and potential a customer base of a company that raises funds through an ICO.

In other words, spend more points on business and ICO management rather than on technical jargon that won’t help your marker in the market when the money is raised!

18 Laws to Create Wealth to Make You Become and Remain Rich

PART II of the Laws titled “HOW DO YOU PLAN YOUR WEALTH?” helped you plan for wealth.


This is a ‘do’s and don’ts’ guide. With many of the basic principles time tested, these laws will teach you how to create and attract wealth using specific strategies and systems that bring results. They are so important that we will dwell a bit more on some of them.

Law 1: Teamwork: you need great people around you to help you succeed.

You need friends, family, coaches, mentors and advisors to help you grow and handle aspects of your businesses that you can’t do alone. The more you give them, the more they will help you make money. So don’t hesitate to add some kind of value to other people’s lives.

How can you add value to people’s lives? Even a smile to make their day or a financial offering and opportunity will do. To have a solid team, favour strong and trusting relationships with others and constantly seek to help them and add value to their lives.

Law 2: Take action now! You can’t build wealth on mere intentions.

Knowing what to do to change your situation and not doing it is worse that ignorance of how to progress in life. If action is the way to get results (intentions keep you in lethargy), consistent action however is the only sure way to achieve wealth and success.

How fast or how slow you act, which way you go or which strategy you employ are irrelevant; what counts is to continue taking action and be open to opportunities and growth. So do a little more each day and you will be on your way to wealth.

Law 3: Be Financially Literate: That is, speak and understand the language of money.

To be rich you must be financially literate, that is, speak and understand the language of money. Carefully choose the books and publications you read, the websites you visit and the people you spend the most time with. Master the language of finance, and you’ll be wealthy.

Law 4: Why you must be a ‘salesman’: Wealth is produced by sales.

Sales are one of the three skills necessary for attaining long term wealth and success. You need to be able to sell yourself, your ideas, via other people and other companies, on websites, in shops, at all prices with good margins, all over the world and even while you sleep.

Law 5: Adding value: Help raise other people’s lives and your wealth will grow.

When we add value (financially, by service or in kind) to other people’s lives, we earn more and our lives grow. In fact, the amount of our wealth is directly proportional to the value we give other people. Never forget: great results for other people mean great results for you.

Law 6: Leverage: Relying on the skills and talents of others to build your own wealth.

Leverage is depending on other people’s time, money and skill set to gain a greater advantage, result or wealth than you could do alone.

These are ways you can also leverage for wealth:

– Get experience from peers and bosses in your job.

– Hire a money mentor or business coach.

– Invest in property and pay your mortgage with a tenant.

– Use the internet to touch a greater audience.

– Get yourself a personal assistant.

– Subcontract.

– Use a spread sheet.

– Use a ladder, get a piggy back.

– Have a small business on the side of your job and nurture into a big one.

– Use drop shippers and copywriters.

– Join affiliate companies to get referrals and earn commissions.

– Do joint ventures to reach more people.

– Invest in property and shares [Law 39].

– Get professional help, but don’t forget your due diligence and your intuition. Look for people who have the knowledge and skills you need to be wealthy and successful.

– Get other people to do what you lack the skill to do.

– Be a great people person and never hesitate to offer great benefits to other people for their services to you.

– Be a great leader. To be one:

• Never ridicule a learner.

• Only reprimand in private and when absolutely necessary.

• Always praise good work publicly.

• Be personable and care about other people.

• Always involve people in your long term vision.

• Remunerate well and reward good work financially.

• Motivate, inspire and lead by example.

• Be consistent.

• Forgive.

• Be clear of the outcome before you start [write it down].

• Set realistic goals: set others up for success not failure.

• Earn respect and keep respect [which may involve distance and professionalism].

Learn to master the art of leverage and you will be wealthy beyond your widest expectations, plans and goals.

Law 7: Money attracts Money: Investing and reinvesting will bring you wealth.

Like attracts like, that’s why you use bait to trap fish. Money is not an exception. Money invested brings in more money. The more money you invest, the greater the returns you will get. This is the Law of compounding. So do invest and reinvest what can be invested.

Law 8: Think Long term sustainability: That’s how you become and stay wealthy.

Anytime you have to make a career, business or investment decision, ask yourself: will this contribute to my long term wealth? Is it sustainable? Will it create a good return on investment (ROI)? Think long term and be forever wealthy for generations to come.

Law 9: Know how to be good at saying no!: If it is for the best.

You can’t hurt people’s feelings, so you are afraid to say no? If yes, know that sometimes the best thing to say is No: politely and firmly. And once you make that decision, stand your ground and don’t be bullied. Jimmy Cliff sang: “Let your Yes be Yes and your No mean No”.

Law 10: Modelling: Studying the successful methods of the rich and replicating them.

Many wealthy and successful people became rich through learned systems, strategies, mindsets and behaviours which constitute tracks that you can find, study and replicate. Learn from their mistakes and the successes to save you years of time, energy, trial and error.

Law 11: Price vs. Value: What you pay and what you get.

Price is what you pay and value is what you get. Nobody buys anything that they do not think is good value and many will be willing to pay premium prices for apparent value, sometimes regardless of cost. So always offer value and the money will pour in.

Law 12: Risk: Speculation, investment and gambling: Invest but don’t gamble.

Your attitude to risk will determine the amount of money you make. Although you must speculate, you must take only ‘calculated risk’. And like everything else, risk is relative and you must determine your own perception of risk and update it regularly.

On the other hand, any action (such as throwing your life savings into a procedure to resuscitate dinosaurs) which does not fit into an educated, well researched and carefully timed investment is a gamble. Your road to wealth begins with speculation and not gambling.

Law 13: Deal making, and negotiation: Think cooperation, partnership and long term.

Three skills necessary for attaining long term wealth and success are the Arts of sales, of deal making and of negotiation.

As they have the potential to return a life time of passive income, deals [such as negotiating a great property deal with discount and a high yield] can make you wealthy.

However to strike great deals you must understand negotiation. Don’t ever go into it to:

1. Get a cheap price by skinning people.

2. Obtain what you want by bullying people.

3. Make people sign to things they did not agree to or understand by conning, tricking or cheating them.

True negotiators avoid ego, barriers to entry or selfishness; they do not also seek to cut people too much on price because they know nothing is so guaranteed to make them pull out of a deal, change their minds sooner than later, resent you or portray you as a git!

People serious about making great wealth know that the true Art of negotiation consists in 1) highlighting perceived benefits to the other party, 2) helping them to the maximum and making the transaction as easy as possible, and 3) giving them the last word for them to get the feeling that they got the upper hand in the negotiation.

So, to build lasting relationships (not just in your job, business, wealth and success but also with your kids, family, friends and loved ones), think cooperation (not competition), partnership and long term benefits in any negotiation you enter into with people.

In any negotiation determine the maximum you are prepared to pay and stick to it. Say ‘thank you’ if the price is not your ideal and don’t be afraid to back out. That will not be the only deal in your life; and even in 30% of cases you might be contacted again.

In going into a deal, be cool and patient. Keep in mind that 60% of communication is non-verbal. So use the posture and the body language of those you are talking to as well as what their eyes are conveying to you to read into what they are not saying.

Get to know the emotions negotiations bring out in people: don’t make people crazy or take the ‘Michael’. Be diligent and educated about the deal. Be flexible and offer other benefits. Don’t give anything away but offer exchange. Let your vis-à-vis feel good about the negotiation; you aren’t giving up your only remaining kidney.

When you master the Art of negotiation you will have mastered half the art of being a great dealmaker.

That, however, requires:

Being a good negotiator: that is, knowing what value and price to put on a deal and shopping around and understanding relative value: a deal on its own might look good but compared to the market it might turn out to be anything but desirable.

Know your goal, what you want out of a deal and what the others are also seeking. Don’t make the biggest mistake most deal makers make by always stating from the outset that they want cheap or discount. The seller, of course, is not thinking of giving his product or service away for less than he sees it is worth.

Be opportunistic. As you have things, products, services and knowledge that other people need, offer them in return. Get to know other people that can help. Be flexible, professional and personable.

Law 14: The Art of borrowing money [and the rules!]: Borrow only if you must or is fruitful.

A very careful consideration of your strategy should guide you in borrowing money. You can easily adopt the following Laws-that wealthy and very rich people follow when thinking about borrowing-into your strategy:

1. If possible don’t borrow from friends or family.

Should you borrow from close ones, you will have a hard time trying to avoid them and they will try very hard to catch up with you when things go wrong. Don’t strain or lose your close relationships.

2. Only break Law 1 above if you absolutely must.

If borrowing from friends or family is your last resort for cash flow and investment into your business, then go ahead and do it.

3. Borrow only to invest in income producing assets.

When you have to acquire something that could potentially generate a lifetime of income far beyond the repayments, then there could be great leverage in borrowing money to do so.

However be warned that borrowing money can bring heartaches: people have lost everything, including their lives, in this regard; interest on loans can be crippling and emotional debt to someone even more so.

Your debts and loans are what you must pay off first. Just as the Law of compounding [Law 34] can work to make you rich, it can also destroy your finances in matters of compounded loan interests.

Law 15: Property and shares: Chosen carefully, they will return you long term wealth.

Property and shares will generate long term sustainable wealth for you and for many years if you choose them carefully. They make you passive income (money while you sleep) through the art of Leverage and the Law of compounding.

Although they made and still make people lots of money, but like any investment, shares and property are not risk-free. They appreciate and depreciate, and can do in the twinkle of an eye. Remember the crash in the 80’s and the dot com crash on the NASDAQ?

Law 16: Multiple avenues of income: is the way you significantly increase your wealth.

To significantly increase wealth you need to create multiple streams of income around your skill and expertise. Open an e-store. Create a website. Open more shops. Franchise your business model. Sell a part of your business. Sell education based around your skills. Reach more people. Utilise the media. Create multiple avenues of income through your investments.

The more avenues you earn from and compound, the wealthier you will become. So master the Art of earning while you sleep and be well on your journey of great wealth.

Law 17: Only buy quality: it saves you money in the long run and makes you feel good.

Craving cheap items (whether a business one such as stock or a personal possession) will very often end up costing you more money in the long run unless it was very well calculated.

Buying only quality also concerns ‘utility’ and ‘feel good factors’. Where is the utility if you bought a Ferrari and kept it in the garage all year? But a M3 or an Audi R8, at one-fifth the cost, which you drive every day, will give you almost as good a feel good factor and are infinitely more value.

Law 18: Work on your wealth not just in your job: Pause in your routine and plan to grow.

To succeed in your small business and move forward in your career you need to understand what ‘working on’ and working in’ mean.

Working in a career or job is what most of us do every day. We accomplish our day to day duties at the job, we live month to mouth and get our pay cheque and maybe year to year for the end of year bonus.

Worker or self-employed however, you must work on your wealth as well as your job, career or business. This is what will push us forward. To accomplish it, “we must step outside ourselves and look for means to grow, improve, increase turnover, increase profit and margin, reduce costs and overheads and learn more that will give us the skills we need to succeed.” Thanks, Johnnie.

We can call this the ‘strategy’ part of your business or career. It consists in asking questions as: how can I work to get that promotion and higher salary? How can I grow my business or set up systems so that it is not entirely dependent on me?

Now, how can you work on your wealth?

That’s what you are doing right now by reading this material to get the right mind-set and psychology, the right strategies and systems, and taking action on the 48 Laws of wealth.

The most successful and wealthy people devote a great deal of time on growth, strategy and the future of their businesses. You must also find a specific and set time and use it to build your wealth. Do it at your most productive hour where there are no distractions. One hour every morning in a quiet corner of your house will do.

You also need monthly and yearly review of your finances.

Find out each month if you have worked within your wealth strategy and how much as a percentage you have spent/invested compared to what you budgeted.

Then every year do a thorough check up to review your net worth as compared to the previous year’s. Edit your spread sheets as you change your figures and increase the amount of money going in, debtors and creditors, expenses, investments, loans and interest, direct debits and standing orders, credit card balances and so on.

"Origin of species" and ICO-TIN – the difference between Earth and Recreation

On November 24, 1859, the Day of the “Origin of Species” was published, and the world was presented with a unique theory of existence, the causes of existence, and the processes of generation, evolution, and survival of various species. The most ancient and with eternal longevity were amoebae and others of this kind. They went through all the ups and downs; through the rough phases represented by mother nature.

“The Origin of Species” was the only book of its kind written for anyone to read and understand anyone. It was liked and popular among all classes, be it students, researchers, scholars or far-sighted. It was popular all over the world thanks to its neutral approach and comprehensive language. The theories are still applicable, and this book has proved useful for future biological and relative theoretical experiments and practical applications regarding the origin and evolution of various species on planet Earth.

The relative similarity between the “origin of species” and the blockchain:

If Satoshi Nakamoto – “Darwin” crypto-era, and cryptography – “the origin of species”, given the fact that it all exists in the world in which we all live, and has a significant impact around the world. Eventually it was understood, though by almost the whole world, however, it proved to be a popular and widely accepted phenomenon.

While other cryptocurrencies have failed to survive and have lost their existence in the winds of change and evolution, like previous “single-celled” organisms, to amoebae. Bitcoin, which is the most suitable species, has become the “amoeba” of this relative hypothesis. It has become a cause, an inspiration and a reference point for other, more complex organisms. These organisms, such as Ethereum, were introduced with a new execution concept that was ICO (the original coin offering). Relatively natural principles of development, nutrition, growth and reproduction were widespread and known to all.

Scientific and religious discussions during and for a long time:

The “origin of species” has spawned various heated debates, scientific-practical and religious-Orthodox, and it looks like a blockchain. The Orthodox community or the dominant religious groups at the time were not flexible enough to allow new theories to dominate the society they had dominated for a long time. Similarly, the financial system, which has been dominant since society was introduced with money and currency, does not want to change and is firmly in line with set trends for a couple of centuries. Perhaps he fears the importance he may lose if his principles are replaced.

The book continued to conspire for a long time, and this rule is popularly referred to as the “eclipse of Darwinism,” that is, from the 1880s to the 1930s. Despite all the evidence and explanations, the “responsible” “origin of the species” lasted quite a long time. People were forbidden to talk about “Darwin’s theory” in public or on social platforms. The current time frame can be compared to the same period of rule, when people could not talk about “cryptography” in financial meetings or forums related to centralized banks or on financial social platforms, where the monopoly is the steward of the big old banks and loans. companies.

Coexistence and definition of “EVOLUTION”:

In addition, a number of other enthusiasts have emerged, with new icons turning into cryptocurrencies on stock exchanges, and similar theories about world evolution after the “origin of species”. Then Darwin’s theory was found, which proved practical and applicable, as well as useful for new biological results. Similarly, the concept of ICO (primary coin offering) was introduced to the world. This led to a revolution, opening the door for the participation of “non-technical” individuals in the crypto-world.

As before, the concept was questioned, challenged, and unfortunately due to several irregularities and initial failures in the execution of some applications (which, although there was a very small ratio compared to successful ones), critics got a chance to celebrate.


The “origin of species” was later comparatively discovered to be almost the definition and explanation of the evolution of different species on earth. It was also explained that what is the difference between the habitats of the earth and other planets, probably because of which LIFE may not have been possible anywhere. Darwin did not speak of it; as well as Nakamoto, about “ICO”.

World authorities and “religious” organizations have challenged the ICO as a concept. These “religious” (rigid to principles and unhappy to change) financial systems have their limits. They give tough assignments for each new integration or experiment, implementation or invention in the system. These mandates tend to become a “dead end” for the ICO these days.

The ICO-TIN should present a picture in order to enable the ICO to open a “dead end” for the ICO, as well as to receive further explanations and integration of this policy of “firm mandates”. To provide an indispensable habitat for ICOs and make “Earth” different from other planets, ICO-TIN makes a safe gap between progressive ICOs and “religious” old financial systems.

ICO-TIN. Environment and ocean.

The difference between the other planets is obviously in the availability of air and water around the inhabited environment. As Darwin puts it, “life finds its way.” Of course, it was. ICO-TIN has found a way to take ICO to the next level and make things safe and mutually beneficial.

The challenges and how ICO-TIN creates a mutually beneficial platform for people, as well as the teams representing ICOs, can be analyzed and understood in the study explained below.

The tasks of launching an ICO are now as follows:

1) A smart contract has its limits. It can either reveal the address to which the cryptocurrency needs to be transferred, it is a unique address associated with a particular ICO, and once the address is disclosed to all or at least a large number of people who are interested in that ICO, they can always log in to make payments.

2) As long as the contract is valid, the larger the number is considered effective, but the more codes it has, the more gas is consumed per transaction. Thus, making a smart contract for a long time is not at all cost effective.

3) At the moment when the ICO cannot accept more than 14 transactions per second, an AUCTION situation arises. In this situation, the set parameters call for the completion of the transaction in any case, regardless of the price of gas.

4) When such a scenario is created, an SPF or single-point fault occurs.

5) Compliance is another article that needs to be taken care of, where two things need to be considered.

The first is the KYC process, which is more complex than the others because it has to be integrated with image loading, making the system quite prone and vulnerable to hacking and malware.

The second is accounting, which is again a big task for regulation and control, because the exchange has different cryptocurrencies, and one does not want to change the method of payment to any medium, which he often does not use.

6) Strategy development should be very planned and flawless. It covers three aspects, and now these three aspects have been defined by traditional ICO methods. These three ways:

AUCTION – if a set of models judges which transaction should be prioritized, based on the fact that this transaction was backed by a higher price for GAS

BOUNTY – an award is usually given to participants or participants for introducing more people to a program or ICO. This generosity was the number of tokens quite often.

GAS – gas has been a very important factor when it comes to launching an ICO because there are so many transactions, and even a transaction in very small quantities is completed after consuming GAZ, which costs many times the same amount.

Application and need of ICO-TIN

ICO-TIN is the answer to all challenges for someone who has been busy developing their technical and cryptographic skills and has never been so interested in being skilled or smart as to confront the problems of the underworld.

It is more about a “professional” approach. Because someone pays for something, he should know it perfectly well. Everyone could get a haircut, but we prefer the barber because he knows his job better. This explains the need for a professional ICO-TIN package.

It is an Enterprise solution for new ICO launches and provides a customized package that includes both ICO launches and marketing.

The solutions to the issues were as follows:

1) a reasonable contract will be unavailable; a unique address will never be disclosed to any of the participants. Parallel and more secure payment methods will be implemented.

2) The easiest way to make payments will be that with any payment method (FIAT and BTC currencies as well) you will need to buy USD in the system, and its further purchase will be governed by these USD.

3) This complete system will be an “OFF-CHAIN” program, in any case integrated with the system; thus, there will be no gas consumption transactions during the transactions made by the participants

4) However, the payments to be made by the system will be regulated in accordance with the periodic cost-effective prices of GAZ, and thus it will be a system of minimum liability for back and forth transactions.

5) There will be no auctions for transactions, and therefore gas consumption will not be a problem in any case.

6) KYC and account management will be done differently, with a system that will not directly match the ICO, so it will not threaten the ICO if image uploads are required.

7) Accounts will be managed seamlessly by individuals and this can be done more efficiently.

Bringing the “origin of species” to a new level although it was a challenge for biologists and others associated with it, but they could not allow Darwin’s work and contribution to go in vain. Similarly, it was a responsible job to pass the vision on to future generations and encourage progressive youth today.

Not too ambitious when “ICO-TIN” is considered a revised version of the “origin of the species” “Nakamoto”. This paves the way for new experiments and the possibility of uniting the “two worlds” together.

The effects of the financial crisis

The financial crisis is an ugly situation that no reasonable person would like to feel, because it leads to very drastic results that can reduce wealth and living standards. Unfortunately, recessions are sometimes unavoidable. Cases are inevitable as a result of poor government policies, unemployment and adverse economic conditions. The good news is that human beings can find a solution to any problem they face, so with hyperinflation, survival is still very possible.

In the past, the world’s leading countries have experienced several economic downturns. Their decline affects other countries, especially those that depend on them for supplies of goods and services. Most recently, in 2008, America faced a similar situation, although the country is already making efforts to escape from it. If they don’t use the right procedures, perhaps they may witness a recession again. European countries are not exempt from this, as countries such as Spain and Portugal are experiencing an unfavorable economic situation. Greece is almost unable to pay its debts, and Italy’s history is also disappointing. If the right steps are not taken soon, these problems may even get worse. Thus, the EU and American governments are considering different rescue plans and strategies to reform their economies.

One of the indicators of the recession is hyperinflation. Hyperinflation is a situation when prices for goods and services rise to unreasonable levels. The situation is usually caused by the deterioration of the currency. This is because the value of the currency depreciates, and those who receive a salary find it more difficult to buy products because they have risen in price. In most cases, people who do business usually do better than those who get paid because they can increase the prices of their goods and services. In fact, middle-class people face greater problems because most of their earnings come from wages, and because their wages are not high, they cannot get what they want during hyperinflation. Another problem the middle class may face is that their savings will depreciate by the time they make money. At this time, interest rates on deposits are low, so people who have saved for years in the bank, will lose a lot of money.

Unfortunately, the economic recession lasts for several years, and government strategies for reform can take years before results are obtained. The government may also face a problem from the population who cannot believe in its policies, even if it sounds great. Some governments are still exacerbating the situation by introducing the wrong policies. For example, printing fiat currency in large volumes will worsen the economy as it can cause inflation.

If inflation is caused by too much money in people’s hands, printing more notes is just a bad idea. Instead, the best strategy would be to cut money in people’s hands by implementing smart programs. Moreover, the government can raise interest rates to encourage people to do business, which in turn could cause economic recovery and growth.

If the right things are not done in time, the people will lose faith in the government. Many people already see gold and silver as a smart way to invest, as their value rarely depreciates. Instead, their prices increase, especially when the value of the currency deteriorates. Silver is also a good choice and is an alternative to most people’s gold. People who don’t have as much money to invest in gold can invest in silver without fear of losing their money. Silver is also known for its industrial and technological applications.

When the economic recession is very severe, banks and the stock market work poorly. At such times, people can react aggressively and cause anarchy. Survival measures such as the accumulation of water and staple foods are increasing, and some people are even looking for defensive structures such as weapons to protect themselves when an alarm arises. In some other cases, people may relocate their reserves to other countries where they believe their investment will be safe.

The recession is ugly and that’s something you wouldn’t want to experience. It is necessary to pray that these problems never arise. In addition to prayers, it is also important to assist the government in implementing the right policies.

Retirement, inflation and a bar on Mars

Some say that inflation is good. The capital of your mortgage is eroding, while the price of your home is rising, for example! This is an argument for collateral only for interest, which consultants do not recommend. Repayment is much lower if capital is not repaid. Take an extreme example – 35 years ago I took out a mortgage for a house so she could buy a house in End End Terrace, she paid £ 8,995 for it and wanted a 95% £ 8545 mortgage with a deposit of £ 450. Today the house is worth £ 160,000 and she would have £ 8,545 left if it were only interest. Today, people are taking over car financing!

100 years of inflation meant that teachers ’annual salaries rose from £ 176 a year to £ 30,889 on average. Gold was worth £ 18.93 an ounce, now over £ 600 an ounce and growing.

In 1971, a decade went by in the UK – it was a good reason to raise prices, which, as many fear, will also be when we join the Euro. Inflation can be judged by the Mars, which is often mentioned in price comparison tables. In 1982, the Mars bar cost 0.16 sts, now more than 0.45 sts. Allowing this price increase, let’s use the number of sea bars to compare inflation: –

ItemsMars Bars 1982Mars Bar 2007

House – 147 775 – 474 053

Porsche 911 – 104,500 – 170,000

Double oven Aga Gas – 6,218 – 15,121

Washing machine – 1875 – 560

Gasoline gallon – 10 – 11

A pint of beer – 4 – 7

Frozen chicken – 4 – 10

Now let’s look at retirement. If you take a personal pension, like me, and pay £ 100 a month from the age of 30, you are projected to receive a pension of around £ 12,000 a year or 6,250 nautical bars a month at the age of 65. In fact now at the age of 55, with declining profitability and paying for 25 years, the forecast has dropped to £ 3,000 a year or £ 555 a bar a month!

So we can say that “Mars in the day – helps to work, relax and pay”!

Simple tips for playing the stock market

What are the best multibagger promotions in 2018 ???

A lot has happened that has changed the Indian stock market … The main ones are listed below … !!!

1) Sino-Indian relations: As you can see, Indians face a lot of problems from China … A boycott of Chinese good is coming … It can change the Indian market in many ways.

2) GST: As we know, GST has been greeted by the Indian stock market since it showed green. But the impact of GST is not yet visible, it will show its colors after the 2018 budget.

3) 500 and 1000: Although 99% of the 500 and 1000 notes were collected, and this is marked as a failure of our Prime Minister. Most of the money accumulates in banks. The process is still ongoing and hopefully the money raised will be used to grow GDP.

4) Falling crude oil prices: Since last year there has been a significant drop in oil prices, but no change in the price of gasoline and diesel fuel leads to the accumulation of money towards the government. Because it is also possible that crude oil rates will fall more.

5) Hope … How Jio was a big surprise for the Reliance Group. There are many more surprises ahead.

These were very few items that could affect the stock:

With these conditions in mind, the recommendations of Future Live Services are given.

TCS (TATA Consulting Services)

• TCS was split in a 2: 1 ratio to one month. From here you are strongly encouraged to buy.

• Buy TCS for 1800

• Goal 2100/2300/2500 (next 3-6 months)

If you buy 500 square meters. In 1850, the total investment would have been 900,000

If you go out with the first goal, then your total return will be 150,000, so about 16% return on your investment.

Hexagonal utensils

• Buy hexagonal utensils for 450

• Target 550/700/900 (next 3-6 months)

If you buy 500 Qts at 450, then the total investment will be 200,000 INR

If you go with the first goal, then 75,000 will be a profit, so 37.5% return on your investment.

All of these companies are growing companies in the IT sector, and the IT sector is now booming. In addition, they published stable quarterly indicators and underestimated them in the area in which they operate.

Here in India, Future Live Services is a company in India where you can make a good profit every day as they provide calls based on stock market news, stock market analysis, technical analysis, stock market software. More than 9 years of experience in the stock market, high profile technical analysis. Huge profits are the main goal. Calls based on net fund, trading calls based on operator. Here you will receive Multibagger services, services on the amount of profit, advice on equity and goods that provide services.

For more monthly or daily recommendations you can check out http://www.futureliveservices.com, also Future Live Services – this is a company where an investor can get tips on future Best Stock, tips on Sureshot intraday trading, tips on Sureshot in within the day, the best challenges of technical analysis in the equity and MCX market.