Have you ever heard of the 90/10 rule?

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You might, you might not. Allow me to explain, please, take a seat.

Read Time: Less than a minute.

The 90/10 rule states that 90% of wealth is owned and controlled by 10% of people.

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10% or 90%?

Put another way, 90% of people are working to make 10% of people richer. It may sound unfair, and it is, however that is life.

Do you want to be in the 90% club or the 10% club? I though so, who wouldn’t.

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How To Get In

The thing about the 10% club is that not just anyone is allowed in and it takes a huge commitment of time, energy and risk to get the pass. Are you willing to put in that kind of commitment? Really? Do you even know how much time, energy and risk it takes?

Your financial intelligence is possibly the most powerful part of the greatest asset you own, your mind. It is your financially intelligence that is ultimately the foundation for acquiring great wealth and joining the 10% club.

How do you increase your financial intelligence? Well, investing in my new ebook, “CHOOSE – Master Of Money Or Slave To It” is a great start as it will give you a foundation on which to build your knowledge and may open your eyes to some shocking truths about the world of money and how the game is played. Yes, I know, a shameless plug. But then this is my blog after all so learnt to love it.

Beyond that though, investing in your financial intelligence is a lifelong area of study but the payoffs are worth it.

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Take Home

I challenge you to think about all the hard hours you invest in working for money and think whether it is worth putting in a few first learning how to have money work for you.

Money can be like the umperlumpers caliber of worker if you know how to manage it properly. If you don’t it is more like the thief in the night. Ok, i’ll stop now.

Out Next Week

How To Enter Into The WEALTHY VIP 10% Club is a post from: thelifething.com
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Grab Your Free CHOOSE promotion ebook. Yes, because I am that nice. Download It Now.

Read Time: 2 Minutes 5 Seconds

Hello all,

After some more tweaks, adjustments and refinements the CHOOSE ebook is almost ready for launch. Yes, I know. You are all as excited as a sackful of newborn puppies.

I believe strongly in this book and am very proud of it, and for that reason I have created a small promobook for it which explains exactly what you get. I know, even more excitement.

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Did you know that:

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• Money Dones Exist
• There are a different set of rules for the rich than for you.
• Earning money is a loser game.

Well, grab a copy of the CHOOSE ebook and we’ll soon have you up to scratch.

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Why Download The Ebook?

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1. The Promobook is FREE!!! so what  have you got to lose by downloading it.

2. You work incredibly hard for your money so take the time to invest in the knowledge that will help you make best use of it and in some cases make you stinkingly rich. I have put in the hours of reading and the legwork so you don’t have to and can still enjoy the benefits of knowing just how money works and the game of money is played.

3. This book will be priceless to you if you have never thought about your own personal Financial Intelligence or even if you have and I guarantee it will change your mindset, your approach to money and have a fattening effect on your wallet. If not then I will refund your money no questions asked and you can even give me a forfeit. Thats how much I know this is going to have a positive inpact on your life, it’s why I wrote the book in the first place.

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Enjoy

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Let me know what you think in the comments and the best comment will get a free book when it is launched next week. Also, do me a great favour and give it a tweet of Facebook mention. Doing so will significantly increase your sex life, scientifically proven.

CHOOSE: Master Of Money or Slave To It. Download Your FREE Promobook Now!!! is a post from: thelifething.com
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Why Read (1000 Words)

The wealthy all have some defining characteristics that have been responsible for their wealth. These are learnable.

The Money Non Secret

I don’t think it is a secret that most people would like to own a lot of money. Most people would like to be rich, have lots of mulah, coinage or dough. However, there is a difference between being rich and being wealthy. The wealthy are indeed rich, but the rich are not always wealthy. Cryptic I know, but stick with me a few more sentences.

You can win the lottery, become famous or earn a huge paycheck and become rich, but not necessarily wealthy. Millions can easily disappear within a few years which is why most lottery winners return to their previous level of wealth within 5 years of winning and American football stars are, on average, bankrupt within 4 years of giving up the game . Britney Spears career anyone?

Having money is not the same as being wealthy, being wealthy is about being able to create money and look after money for many generations. You can be lucky and get rich, but it is unlikely, far better to learn how to become wealthy and ensure you become rich and that those riches will last. Here’s some traits of the wealthy to get you started.

Who You Need To Be

The Wealthy Are All The Same, The Poor Are All The Same

There is a mold for wealthy and successful people, a predisposition some would say. Wealthy and successful people are different from poor people. They think differently and they act differently. Many of  us do not share the mold of the wealthy but it is one you will have to squeeze yourself into as money does not hang around the out of shape. The 7 essential attributes that all wealthy individuals, generally agreed by most that have studied the lives of the wealthy extensively, share are listed below.

The 7 Traits

Low Emotion: When it comes to money and wealth, emotions are going to get you into trouble. The wealthy understand this and learn to control their emotions and think logically when it comes to financial decisions. High emotions tend to lower your financial intelligence and it is your financial intelligence that ultimately makes you wealthy.

Immense Boldness – We all have self doubt from time to time. The difference between the wealthy and the poor is that the wealthy face it head on and conquer their fears, the poor run and hide from them. Boldness is not about having no fear, it is about what you do with that fear. Do you let it cloud your judgement and shy away from profitable decisions or do you use it to help clarify and take decisive action when a deal presents itself.

Great Salesmen – Sales and salesmen have negative connotations to most people but this is the very reason many talented and intelligent people do not see the recognition or success they deserve. Most people are just one skill away from wealth – sales. Wealthy people are great salespeople. No one becomes wealthy on their own, and so it is critical to  sell your ideas well, whether this is for a company, a product or an investment.

Great Leaders – Great leaders are great inspirers and managers of people. Without exception, almost all wealthy individuals are great leaders of people – of their staff, of the people they work with, of the teams they create. If leading people fills you with fear then you need to find a way to control that fear. No-one creates great wealth alone and no one is going to follow you in your path to riches if you cannot lead them well.

Excellent Communicators – It is communications skills such as writing, speaking and negotiating that are crucial to a life of success. You can have the greatest ideas and the best laid plans but unless you can communicate them well to others and create and inspire teams to help you achieve your goals then you might as well be pushing against a brick wall. The wealthy are great people persons, that is one of the secrets to their success.

Failure Connoisseurs – No one likes to fail, not the poor and definitely not the wealthy. There are two ways you can react to failure, it can defeat you or it can help you to grow. Failure falls on both the wealthy and the poor but the fundamental difference is that it helps the wealthy to grow whereas it defeats the poor. If you wish to become wealthy then failure is part and parcel of the game. There is no wealthy person in history who has not failed and not lost money, it is part of the process. Failing is not the issue, not learning from failure is a problem.

Responsibility Takers – With great wealth comes great responsibility. The life of the wealthy is not all fun and games, they are responsible for many organisations, investments and most importantly people. The wealthy know that when the chips are down then it falls on their heads, they are there for everything, not just the successes. The wealthy don’t make excuses, try to shirk the blame or overlook their failings. They take responsibility for their actions and decisions, whether they turned out well or not. Taking responsibility and being a person of integrity is vital in becoming the person you need to be in order to be a good steward of money.

To Sum Up

If you currently can’t see yourself as one of these people that share these characteristics then some serious personal work needs to be done. These are the skills one needs to develop in order to become wealthy. It takes time, but the payoff is worth it.

Key Notes

The 7 Key Characteristics of the wealthy are that they Have Low Emotion, Have Immense Boldness, Are Great Salesmen, Are Great Leaders, Have Excellent Communicators, Are Failure Connoisseurs and Take Responsibility

Here’s to your foundation of wealth.

Choose: Master Of Money Or Slave To It

If you want to start on the road to being fantastically wealthy then look out for my new ebook. It launches shortly so here is a sneak preview on the goodiness you can expect. Click on the image for a larger view.

Help Me Out

I give all this advice out for free and so if you like what I write and it help you, please help me out by letting others know. On this site, it has been scientifically proven that by doing so you will become instantly twice as attractive to the opposite sex. Can’t argue with science.

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The Seven Learnable Traits Of The Fantastically Wealthy is a post from: thelifething.com
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Either learn how to own your money or your money will own you.

Hello all,

With current economic crisis heavy on our minds and the gap between the rich and the poor getting ever larger, isn’t it about time you decided where you stand with your money.

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CHOOSE Ebook: Master Of Money Or Slave To It?

I am excited to give you all a sneak taster of my first ever commercial ebook “CHOOSE: Master of Money Or Slave To It”. If you have yet to read any of my previous FREE ebooks then check out “How Teux Keep Small Puppies Alive” and “SUCCESS”.

• CHOOSE is bigger, better and more glossy than any of my previous ebooks and is the main reason thelifething has been quite quiet recently.
• CHOOSE focuses on the big money question you have to answer for yourself. Do you want to be a Master of Money or a Slave to it?
• CHOOSE is an introduction to the game of money, what it is, how it is played and how to play it.

I have had a near obsessive interest in the game of money and how the rich work less and less and earn more and more for many years now and as anyone who knows me will attest to, I am always wanting to share what I have learnt. I have wanted to write an ebook about money and wealth for the better part of a year and after almost 50 books and much research later it is finished.

What Is It?

Choose is not a book about “How To Get Rich” as I myself am not yet rich by the worlds standards, it is a book that will introduce you to the basics of the world of money and wealth as it exists today and let you in on a few of the rich peoples secrets about wealth. It takes all the key knowledge I have accumulated over the last half decade and gives it to you in easy to digest chucks so you don’t have to put in the hours that I did.

If you want to:

• Know the rules of the game of money and how to win
• Understanding how and why the rich act like they do.
• Want to start on the path to becoming a Master of Money
• and want everything explained in an easy to understand way
• while giving you plenty of great reading material to further your study…

Then CHOOSE is the book for you.

I will be sending out a small “Mini ebook” in a few days which will give you even more of a taster. I am excited as it is the best ebook I have written so far.

I look forward to helping you understand the game of money so that you can start the journey to winning at it.

Also, if you would like to be part of an affiliation scheme for this book then let me know either in the comments below or by sending me an email.

- Jonny

Are You A Master Of Money Or Slave To It? Pick One is a post from: thelifething.com
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The Inverted Pyramid Of Debt Banking System.

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Understand a simple explanation of a bank and why the banking system collapsed as it did.

The banking system collapse was a factor of many things, however, it is advantageous to have a basic understanding of what a bank actually is and why it is so vulnerable. After all, you put all your hard earned cash into it so it probably makes sense to understand how they work, wouldn’t you agree?

The Pictomin above shows a red triangle, a black circle and two arrows. This simple image is a pictorial representation of a bank. Don’t stop reading, I will explain.

The green ball is the actually amount of cash, back up by something of tangible value (like gold), that the bank currently owns. This is the amount of actual substance of worth the bank would have if currency and the effects of currency collapsed and people wanted to reclaim their money back in something solid and tangible. Yes, I know. It is worryingly small.

The red triangle that is balancing on this small ball is the inverted pyramid of debt that the bank has created from this small amount of cash through complex lending schemes and systems such as fractional banking, derivatives and future share buys. As you can see the triangle is pretty unstable, symbolised here by the arrows.

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The bigger the bank becomes, the larger the triangle becomes and thus the more unstable the bank becomes. Everyone following? Excellent.

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Over the last 10-15 years the banks debt triangle has been becoming incredibly large and thus the whole system in turn very very unstable as only a very small percentage of the monetary figures being thrown around are backed up against an actually commodity such as gold; the rest of it is just numbers, opinion and in some respect blatant lies and fabrications.

The banks are unstable but when all are operating in this way they tend to just about keep each other standing.

You can imagine, I hope, that if all these unstable structures are balanced very closely to one another, as they are in the real world, then the combined effects of all off them wobbling with just about keep them all upright. This is exactly what was happening before 2008 and the crash. The banks were holding each other up.

However, when consumer confidence goes, such as recently, the highly unstable banks have a tendency to very quickly fall over with the largest banks carrying the largest debt triangle falling first. Once one goes the resulting balancing act is unsettled and they all tend to start toppling unless someone, like the government, uses a vast amount of money to reduce the size of the triangle, pick them up again and once again start the balancing trick, which is exactly what happened.

As is probably obvious to most that have read this far, this is not a sustainable solution and once the banks start lending and creating wealth out of nothing again their triangles will once again start to grow and they will topple they again causing greater pain and misery to all involved, apart from the top guys at the bank who will walk away again having done very well out of the whole affair.

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Since moving away from the Gold Standard in the 1930s, where currency had to be backed up against something solid such as gold, we have created a system that can create money out of nothing and now we cannot go back.

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It is worth remembering the Pictomin image when you next put all your faith into a bank. They are very good at creating something from nothing, the only problem being that we then end up with a lot of nothing, also affectionately referred to as currency, floating around which can very easily disappear in an instant.

Why were so many people shocked when the biggest triangle pyramid of debt was broken and over a billion dollars disappeared instantly overnight. The reason being is that it never really existed in the first place, it was just numbers floating around the banks and the stock exchange.

I appreciate that this is quite a simplistic overview of the banking system but it is a good reminder for people to really understand the problems that are very much at the core of banking and why the governments interventions were no more than a buffer to a further more devastating collapse that will be inevitable if the banks are ever allowed to go back to their unmoderated ways. Unfortunately the truth is that they will.

I hope this has spoken to people, I will end on a joke to lighten things up again.

A woman gets on a bus with her baby. The bus driver says: “That’s the ugliest baby that I’ve ever seen. Ugh!” The woman goes to the rear of the bus and sits down, fuming. She says to a man next to her: “The driver just insulted me!”

The man says: “You go right up there and tell him off – go ahead, I’ll hold your monkey for you.”

Do You REALLY Know What A Bank Is – I Am Betting On No is a post from: thelifething.com
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The 95% Way or the 5% way – Skoda or Ferrari?

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Why Read (<850 words)

Finance can be a very complicated and disconcerting place, like France…but it doesn’t have to be. Understanding your most basic and important financial equation, your personal cash flow, is very easy using simple cash flow arrows. Knowing the cashflow arrows and knowing that they need to be balanced is easy. Going about balancing them in a different way to 95% of the populations requires more leg work…but the payoff is huge. If you want to learn how to go after the big prize then read on.

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Cash flow Arrows

Financially speaking, there is a vast difference between the amounts of money that people earn. Some make more than others and some make substantially more than others. However, everyone shares the same cash flow balancing act. Everyone has cash coming in, (Green Arrow) and cash flowing out (Red Arrow). Ideally the cash coming in arrow wants to be larger than the cash going out arrow and not the other way round to ensure a level of financial security and freedom from the pay check. All fairly simple stuff so far.

Everyone has the same simple cash flow equation but there are two ways of balancing it. 95% of people balance it one way and only 5% of people balance it another way. You want to be in the 5% category and it is easier than you think.

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The 95% Way - Sell Your Time And Experience

For most people the only way to increase the size of the green arrow is to sell more and more time or gain more and more experience (which also takes time). Selling more time is an obvious way to earn more and increasing your experience means that your time is worth more per hour. This in itself is very obviously a ultimately flawed solution as there is only a finite amount of time and experience that one person can sell and thus there is a finite size to your green arrow. The red arrow on the other hand, your outgoings, is not so finite and can very easily get very large, very quickly.

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The 5% Way - Package Your Time And Experience And Sell It Over And Over And Over Again

How did Bill Gates manage to become the richest person in the world and a multi billionaire? According to the 95% way this just isn’t possible. Bill Gates experience, as great as it is, isn’t worth billions and he has no more hours available to him to sell than any other individual. What Bill Gates did, and what brought him huge wealth, was to package his experience in the form of software and ultimately his company Microsoft. He could now sell this package again and again and again. This is called a scalable model and in theory is infinite within the huge global market.

Only a small amount of people live this way, but in this current world it is the model that everyone should be aiming for. Possibly not at the scale of Microsoft but then it doesn’t have to be.

Repackaging and selling your experience in a product form means that, after the initial investment, you are not having to trade your time for cash.

Most people who make their money this way actually pay for other peoples time to keep it running and the money coming in, giving them freedom from the pay check. The more they sell, the more people they hire and the more money they make but without trading their key resource, their time. Cash generating assets like these make the owner money whether he is awake/asleep/on holidays or catching up on the latest episode of lost.

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Leverage Isn’t Always Good

The trick to owning cash generating assets and having a stress free life is to ensure that they are not leveraged as much as possible.

Leveraged cash generating assets are those obtained by taking out loans and going into debt and are risky when not properly managed and understood. If the cash stops coming in you could be left with huge debts. Ideally your cash generating assets should be non-leveraged so that if they do dry up all that stops is the money coming in and if you have multiple streams of income, this should not present a problem. Non leveraged cash generating assets are not as difficult to set up as some might think and there are some great books out there that go into it in much more detail than I will. A good start is to read the 4 Hour Workweek by Tim Ferris.

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To Sum Up

How you balance your Cashflow arrows will determine how wealthy you will become. No one becomes wealthy over night, it is a long term investment in knowledge and understanding. However you have a choice, follow the herd and do what 95% of people do to balance their arrows or commit to learning to create non leveraged cash generating arrows and become wealthy with the other 5%.

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Help Me Out

I give all this advice out for free and so if you like what I write and it helped you, please help me out by letting others know. On this site, it has been scientifically proven that by doing so you will become instantly twice as attractive to the opposite sex. Can’t argue with science.

How To Get A VIP Pass Into The 5% Category Of The Wealthy is a post from: thelifething.com
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Why Read

Everybody wants to be sexy and everybody wants to be wealthy but few are willing to make the decisions necessary put in the time required to learn how to created multiple streams of income so that they can become wealthy and live a sexy lifestyle. Big sentence, Big wakeup call. If you want to be wealthy in the future you are going to have to learn how to create rivers and not rely on pipelines. If you want to know why, read on.

Wordcount: >750

What Is Wealth

You cannot become wealthy having a job. No one in history has created lasting wealth this way, no matter how much one gets paid. Being wealthy isn’t just about having the money, it is just as much about having the time and freedom to enjoy the privileges that money provides.

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Multiple Streams Of Income

Having multiple streams of income and ideally non-leveraged cash generating assets will help give you the very best chance to live the richest life you can dream of. Multiple streams of income will give you freedom from the pay check and the resources of time and money to pursuit whatever you wish; be that living abroad, going back to education, volunteering, experiencing the world or following in the footsteps of Batman. Whatever takes your fancy.

The trick is to create rivers, not maintain pipes

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Create Rivers

Rivers are powerful because they are fed from many different streams.

If one stream is blocked or dries up, this does not affect the flow of the river greatly. Your finances should be structured like rivers also, having multiple streams feeding your main river of income so that if one stream dries up or stops, it does not have a detrimental effect on your quality of life and gives you time to create another one and replace it.

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Don’t Maintain Pipes

Living from pay check to pay check is dangerous because your flow of income is more like a single man-made pipe.

If you lose your job then the flow of that pipe is stopped. A new pipe needs to be found quickly, and of a similar size as your last one to maintain your current lifestyle and this is not always easy or even possible. This pipe also, like your job, requires a huge amount of your time to maintain. The key to financial success is having your income flow structured like the natural rivers and streams that require very little, if any maintenance once created.

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You Are Not Depriving Others

Thinking of your finances as an organic stream is a good image as it also highlights the fact that in this world the acquisition of wealth is not a zero-sum game.

In this we mean that, if one person acquires more, this does not result in another being left with less.

Put another way, the world’s total wealth is not like a pie, where if someone has a bigger slice then others are left with smaller ones. This is not how it works. Just like on an extensive mountain range there are multiple rivers all being fed by multiple streams, an additional stream will not result in less rain falling on the mountain side. There is enough rain for all.

Most financially successful people understand this concept, the trick is to create your non leveraged cash generating assets (streams) to help divert this abundance of wealth out there into your own personal income stream. Don’t worry, you will not be forcing others to live without.

This approach takes time to learn how to do, and it is far easier in the short term just to have a pipeline. However if you desire to be wealthy in the future then a pipeline is not enough, you need to have the streams. Learn how to create the streams and you will become wealthy.

Even if you enjoy having a job, as many do, it is a good idea to create multiple streams to supplement your income so that you are not DEPENDENT on your job. That is the key…not to be dependent on a job.

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In Summary

Remember to keep your finances organic like the river with multiple streams feeding it and not man-made like the single pipeline which can be shut off at any time.

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Help Me Out

I give all this advice out for free and so if you like what I write and it help you, please help me out by letting others know. On this site, it has been scientifically proven that by doing so you will become instantly twice as attractive to the opposite sex. Can’t argue with science.

.

Creating Multiple Steams of Income For A Super Sexy Life Of Wealth is a post from: thelifething.com
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Focus on what you are good at and be a success at that. There are far too many things that you are not good at.

I Suck As An Actor

I used to want to become an actor – I think it was mainly for the same reasons many people fancy their chances at it – for the money, the fame, the girls.

Unfortunately my love of it was simply a HEAD want and not a HEART one. I was alright at acting when I was younger, I had a few leading roles in the school play and one in an actually city theatre but I never pursued it after college. I might have wanted all the things that come with being a famous actor but I was not willing to put in the time or take the risk on making a serious go at it.

Just recently while I was in Thailand I had the opportunity to star in a TV commercial for Dog Food and so naturally I went to the audition and against all odds was picked for the role. I loved it, the setting, the people, being the centre of attention – Acting I though, was something I could really do.

Except for one small problem – I was useless. I hate cameras and prefer to be behind the lens then in front of it, I have trouble smiling naturally and I am pretty self conscious and unnaturally when a in front of the lens.

Basically I am an awful actor who would only be hired by a completely blind, death and dumb director and only then because of a moment of bad judgement.

I Suck At Other Things Too

Other things I would like to do but suck at Professionally -

• Lead singer of a rock band
• Extreme Sports World Champion
• Professional Footballer
• Pilot
• Marine Commander
• Marine Biologist Scuba Diver

The things is, there are a lot of things that I suck at but enjoy. I will never make any money out of them like some people do and so they are just hobbies for me. You can get stressed about this predicament or you can focus on what you ARE good at.

Where Do Your Talents Lie?

As an example, my personal talents lie in creativity, people skills and making money or put another way Creative, Emotional and Financial Intelligence.

I love and have made money through entrepreneurship and design and I plan to shelter my earnings by investing in Real Estate. To this end I focus my talents on being good at two things – Building Businesses and Buying Buildings. This is where I will make money and this is what will make me rich – It also has quite a nice ring to it.

I am sure I will make money and find a manner of success and happiness on other ventures of mine – as a freelance designer, journalist and photographer for example. However, these things will always be secondary to my core focus which again is:

Building Businesses and Buying Buildings.

Mind Your Own Business To Be Successful

There are many ways to make money and be a success but there are few that you will excel at. Don’t waste your time pursuing everything just because it has worked for someone else.

Work out what works for you and utilizes your passions and talents and focus on that. Everything else you do is a hobby and should be enjoyed as such – if you find success and additional money through it then great but this should not be the focus. Your hobbies are for your own personal enjoyment and happiness and should be treated as such.

That is why I do not monetise my blog or get involved in affiliation marketing – it is not where my wealth is generated and I do not plan to complete with the super blogs that are out there and I do not understand enough about SEO to give affiliation a real shot. I use my blog to explore my own thoughts, develop new relationships and to give to others. That is its reason for being – it is my hobby.

Find out what your one line plan of action is. Mine is Build Businesses and Buy Buildings. I repeat it to myself everyday and that is powerful in embedding it into my make up. My professional life is dedicated to Building Businesses and Buying Buildings, my hobbies are another thing completely.

Others would call this “Minding Your Own Business” Mined your business and what you are good at and don’t worry about the other persons businesses.

What Is Your Business and what is your one line plan of action?

Unfortunately Sir, I Think Your Acting Career Is Over – Your Plan Of Action To Wealth And Success is a post from: thelifething.com
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It’s January again, A New Year and another go at completely redesigning your life and reducing the amount of chocolate you consume. I am kidding of course, if anything one should be increase the amount of chocolate consumed, the redesigning life bit still stands though.

So to help you out I have spent the considerable time it takes to read all the articles on this site to put together for you a reading list to help you kickstart your 2010. Happy New Year.

* Also don’t be shy to comment even on old articles as I am interested to hear your opinions, views or gripes. Don’t make me come over there and make you comment.

If you are short of time I have starred my more favorite posts.

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What Life Do You Want In 2010?

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So tell me then, what do you want out of this year. Do you know? Have you even though about it? 2010 is not a year to be wasted so have a gander at these posts to get inspired and work out what you want your 2010 to look like and how you want your perfect life to be designed.

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I Am Going To Tell You About One Of The Worlds Biggest Problems And How It Can Be Solved

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At the beginning of 2010, be inspired by ordinary people that have done extraordinary things. Will 2010 be the year that you become EXTRAORDINARY.

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Deliberately Make Your Life Remarkable *

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“Most days of the year are unremarkable. They begin and then end, with no lasting memories or anything of significance in between. Most days have no impact on the course of a persons life.” In 2010, will you be Indian Jones or Mr Jones from accounting?

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The Road “Most” Traveled Is Frikin’ Dangerous Man *

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Before you run headlong into 2010 take some time to reflect on what the key to a full and successful life actually is and make sure you are traveling the right path. If you are not sure, then you need to read this.

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Why Do You Fear To Be Great, You Yellow Bellied Coward?

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Have you DONE something with your life? Do you have a STORY worth telling?

Are you GOING to do something with your life in 2010? Will you HAVE a story worth telling in 2010? Read on if you want one.

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Soap.Lather.Rinse.Repeat – The art of living free in the moment while naked in the shower *

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One of my favorite posts and one that I will be rereading many times over this coming year. However successful your year is going to be in 2010 always remember to put life into perspective.

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No Gumpy Boy, Life Is Like A Thai Massage

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Just remember that, unlike the 70s films of past years, the goal is not to have a happy ending, as by then it is too late. The real goal is to have a happy journey, however you work out the best way to ensure that.

Here’s to your happy ending, I mean journey. Ahem.

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Improving Yourself In 2010

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Make 2010 the best year to date and enter Christmas next year a greatly improved specimen.

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Chocolate Coated SuperMagnets -The Practical Art Of Making Yourself Irresistible *

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If you want to make the most of 2010 then you are going to need to be irresistible – and here is how to do it. Five core rules that are easy and practical to apply to ensure your social life gets ramped into overdrive in 2010.

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The Five Killer Rules For Assassin-like Effectiveness In Your Work *

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Don’t waste 2010, become hyper effective instead. This is one to print out and stick up.  If you want to become substantially more productive in 2010, waste less time AND become a Ninja then you need to read this.

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How To Talk To Strangers Without Wetting Yourself.

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Become a social animal in 2010 with these 7 incredibly simple and practical tips for engaging anyone, anywhere.

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Beating the “Internal Conflict” for Long Term Weight Loss and Habit Change

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Ever tried giving up weight and failed? Ever attempted to start a new habit and found yourself petering out? Ever tried setting an achievable goal only to not achieve it? Let this year be different to the last…seriously this time.

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1 And 1 Make Eight Hundred and Eighty Six Thousand – 3 Things Necessary For Success That The School System Neglected To Teach You.

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10 Ultimate Tips to Supreme Health and Fitness

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Become a lean, mean, only fight when absolutely necessary machine in 2010 with this practical rules for great health, fitness and figure.

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Finding Success In 2010

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2010 could be the year of great things for you and these post will help give you the best possible chance to find that success.

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Guaranteeing Blogging Success Without Shooting Yourself in the Head *

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If you are or are going to be a blogger in 2010 then, like the instructions on a parachute, this is a must read. Failure to do so will have catastrophic consequences. You have been warned.

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A Story Of A Life Designers First Time *

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In 2010, Do not let life pass you by. Be forceful, make life play ball, make life work for you. Get your hands dirty, get sweaty, get involved until you physically can’t give any more and you collapse exhausted but content, safe in the knowledge that you gave it your all.

Another of my favorite posts, don’t miss it.

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The Guinness Advert Got It Wrong – Good Things Come To Those That Don’t Wait *

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Procrastination, they say, is the killer of progress, creativity and small puppies. In 2010 make this the year you get off your backside and do something.

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5 Lies That Society Shouts At You And 5 Truths That It Keeps Quite On *

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In 2010 society WILL lie to you and it WILL keep some things from you. Here’s a heads up moving into the New Year a little wiser than most.

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Time isn’t money so relax– It is far more important.

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You are only going to have one 2010, you will never get a chance to repeat it so worthwhile making sure you are investing your time effectively. Another one to print out and keep over your desk – 5 Investment tips for your time.

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Some Super Sneaky Suggestions for Selling Yourself AND Your Brilliant Ideas without Resorting to Violence and/or Blackmail

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Looking for success in 2010? Then you are going to need to get people to understand how brilliant you are. Unfortunately, not everyone may appreciate your brilliance or the brilliance of your ideas straightaway, and thus it is your duty to enlighten them. Here are three incredibly effective tips to allow you to do just that.

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The Leap – How Three Simple Changes Can Propel Your Career From Good To Great

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Planning to kick your career into overdrive in 2010 then let best selling author Rick Smith give you come guiding.

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Structure Is Like A Strong Wind…Flow is Like A Frikin’ Hurricane  *

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Learn how to harness “THE BEAST” (who incidentally goes by the name of Joe) in 2010 for incredible creativity and productivity like a hurricane on steroids.

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4 Concepts For Kicking Ass In Life Learn’t From Mixed Martial Arts

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Mixed Martial Arts isn’t all about kicking ass first and taking names latter. This 2010 apply the principles of Respect, Playing to your strengths, Understanding that Position Isn’t Everything and That The Key Is Balance for a successful year.

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A Happiness Fundamental: The Social Spiderweb

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2010 is a time for friends, families and loved ones. Here is a great tool for benchmarking whether you are spending your time with the right people and how to change things if you are not.

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The Indescribably Pleasure of Doing Nothing and then Resting Afterwards

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2010 need not be all about productivity and moving forward, some times, like a stag party at a nudist colony, it is good to sit back and let it all hang out – Find out how here.

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Escaping the Rat Race In 2010

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Whether literally getting out of a job full time or becoming financially independent outside of a paycheck here is how to escape the Rat Race in 2010.

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Why Its Worth It

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A Day In The Life Of A Traveling Entrepreneur *

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Self explanatory I think but the “Day in the life of” posts are my most popular on this site so if you need some inspiration to kickstart 2010 then here is the place to get it.

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Cubicle With A View: The Office Of A Traveling Entrepreneur

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Need some inspiration in 2010 on why exactly you are wanting to leave your current office behind. Well here it is, 2010 could be the year that you move into offices like these.

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3 Months In The Life Of An Entrepreneur

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3 Months, 5 Currencies, 6000 photos, 150 Restaurant Meals, 40 Hours of Wake boarding, 3 Police Bribes, 2 Seven Foot Bull Sharks, 1 Elephant and more massages than can be safe for one man – Here is 90 days in the life of a traveling entrepreneur.

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Proof That Experiencing The World Doesn’t Have To Cost The Earth

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For anyone doubting that venturing abroad in 2010 might not be worth it then stick this in your pipe and smoke it. Seriously though, check out what £122 will buy you in Thailand. I mean it, it’s insane.

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How To Do It In 2010

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How To Bankroll Traveling The World And Living Your Dreams Without Being A Freeloading Little Rich Kid

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Drastically change your life in 2010. Here is basically how I got to being able to escape the Rat Race and live my current lifestyle – minus the odd awkward relationship, dodgy curry and missed plane takeoff.

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How I Live How I Do Without Having To Rob Banks

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What exactly was my 9 to 5 job before ? What sort of business provides my passive income? How much does [living in Thailand] cost me monthly ? How much do I earn? Find out here.

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How To Live An Awesome Life Abroad Without Having A Job *

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Learn the secrets to gaining 300% Interest On Your Money, Hiring 10 Guys For The Price Of One and Reducing Your Workload by 80%. Oh, and the reason why I tend not to wear pants. 2010 could be your year for moving abroad.

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Quitting Your Job In James Bond Like Style Without Ending Your Career

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Is freedom from the Rat Race calling you in 2010? If so, make sure you read this article before flipping the bird to the man. Yes quit, it will probably be the best thing you ever do, but do it with style with 5 proven pointers.

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Own Nothing…Experience Everything

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Do you seem to own everything but have done nothing. Join the debate and see if the ONEE approach to life will bring you a more stress free 2010 full of experience.

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Becoming Rich In 2010

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Interested in leading a richer life in 2010? Then the Rich Series post will help you achieve that goal.

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Stage 1 – Understand What It Means To Be Truly Rich.

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On your journey to a richer 2010 start by understanding the five core areas for benchmarking a rich life: Financial Security, Freedom, Good relationships, Health, and Identity. Time to live the rich life.

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Stage 2 – Understand The Three Financial Equations Of Wealthy Living

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Are you a Happy Fish, An Unhappy Fish or A Dead Fish. If you don’t know then you need to if you want to become richer in 2010. Better scan this post and make sure which one you are hadn’t you, go on, you know you need to.

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Stage 3 – To Come

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So there you have it – An almost comprehensive list to make sure your 2010 goes off with a Bang. Have a Good One.

An Almost Comprehensive Guide To Knowing What You Want, Improving Yourself, Finding Success, Escaping The Rat Race And Becoming Rich In 2010. is a post from: thelifething.com
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Read time: Approx 6-8 minutes / 3-4 Minutes Highlighted but important. If you don’t read anything else on this site read this. It will make you rich.

Football Superstar Ronaldo and balding Mark from finance are both in the same financial situation. As they are both living by the same financial equation and they will both reap the benefits or suffer the consequences of that equation.

Why Read

This is the second installment of my “How to be Rich” Trilogy. If you have not read the first one “ How to be Rich: First Understand What it Means To Be Truly Rich” then I highly reccomend you read it before moving on to this one.

This second installment looks at the three core financial equations that everyone will fall into and outlines the benefits and the consequences of each on personal wealth and happiness. You should read this article because it highlights just how important it is to live by the right equation for a rich and happy life and will help you Understand The CORE Financial Equation For Super Wealthy Living.

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We are all similar

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Everyone on earth, no matter whether they are Tom Cruise or balding Mark from the finance department, have only two commodities to sell: Our time and our abilities.

This is how it works when you are in a job; there is a certain hourly price on your “abilities” commodity and you “sell” you time to your employer at this price. A yearly wage or an an hourly rate. A basis of the footballers wage for playing football is no different from Marks wage for running the companies finance, only that it is larger. He is still being paid for his time.

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The only difference is that the footballers “ability” commodity is valued at a much higher rate, however unfair that may seem.

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The footballer is still selling his time, as is Mark. They are both still stuck in what some aptly refer to as the “rat race.” If either of them stop selling their time to their employer then the money stops coming in and this puts them both in a difficult situation due to the fact that it will always keep flowing out.

Football Superstar Ronaldo and balding Mark from finance are both in the same financial situation. They are both living by the same financial equation and will both reap the benefits or suffer the consequences of that equation. They are both either a happy fish, an unhappy fish or a dead fish. You are too.

Some may think that Ronaldo is better off, even if he loses his job and is not selling his time any more due to the fact that he is “richer” than Mark, but this is a misunderstanding of the financial equations. Ronaldo, with all his millions, is still financially in the same situation as Mark from an mathematical equation point of view and it is this that is important, not the numbers (the size of his bank account)

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Just like in maths, the numbers may vary but the equation stays the same and thus the outcome is also the same.

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It is the equation, and not the numbers that is important. Regardless of how high your “abilities” commodity is and thus how much you get paid, you are still only selling your time and your time is finite. You have to be living by the right financial equations or you will get into financial difficulties.

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The three financial equations that you need to be aware of are the “Within Means”(Happy Fish), the “On means” (Unhappy Fish) and the “Outside of means.” (Dead Fish) I guarantee you will fall into one of these three.

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The “Within Means” equation – Happy Fish Living

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Living within your means makes you a Happy Fish.

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Lets presume Mark has an income of 20k a year (we will ignore tax or currency for this example). If Mark is sensible he will be living on less than this and his lifestyle may cost him 15k a year leaving him with 5k of savings every 12 months. Let’s also presume Mark has been working for 5 years at this wage and under this equation and has thus saved 25k.

In this situation, should the worst happen and Mark gets laid off or he wants to take some time off to try his own ideas or start a business then Mark (and his family should he have one) can live comfortably at his current level of living for around 18 months without any income before he runs out of money. In this scenario Mark has the freedom to take a year out or, given the loss of a job, a fairly stressless 18 months to find another one. In this situation mark is living below his means.

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Living below your means is the single most important financial decision you can make in order to live relatively stress-free and give you a degree of freedom.

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This equation applies to all people who sell their time.

Superstar Ronaldo can be inexactly the same position. He can earn £1million a year and have a lifestyle that costs him 800k a year. If he has, like Mark, worked for 5 years and stops playing football he will still only have 18 months before he runs out of money because he is living a significantly more costly lifestyle. You may think he can down grade easily but this is not usually the case. Just as someone living on £15K would struggle to downgrade to £7.5K, someone else living on 500K would struggle to downgrade to £250K. There are mortgages to pay, loans to honor, a level of comfort you are used to to maintain etc.

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The key is that it is not the numbers that are key, but the formula that is important and almost always the deciding factor.

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The “On Means” equation – Unhappy Fish Living

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Living on your means keeps you alive but makes you an Unhappy Fish

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Ok, Now what if Mark was living just on his means. He is earning 25k and living a lifestyle that is costing him 25k. As before he has been working for 5 years but now decides he wants to take a year off to start a business. Mark has a problem, as soon as he stops selling his time the money stops coming in and he has no savings. He needs that 25K a year to support his lifestyle and so he cannot afford to stop. He is forced to keep selling his time to his employer. His freedom has been completely taken away.

What’s worse is that if Mark gets laid off, he must find a job straight away otherwise he will be in debt very quickly and paying a substantial interest for the privilege. This is a hugely stressful time for Mark and he may well not be able to get a job for many months which will put him deeper and deeper in debt. Mark is now forced to work longer hours to live the same lifestyle he was previously because he now has all the debt interest to pay back as well.

Again, Ronaldo on a higher “abilities” wage is in exactly the same position, if he doesn’t get another contract worth what his current lifestyle is costing him, he will soon be in substantial debt and his repayments will be even higher. As you may be beginning to see, it is not about the amounts earned.

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The numbers are not important, mathematically the equation is the same and it is the equation that is important.

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The current equation is detrimental to Mark and to Ronaldo, and to anyone living by this equation no matter how much or how little they are earning.

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You can see real life examples of this with footballers such as Gazza or Popstars like Britney who all went bankrupt within a year even though they had previously been earning millions.

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The “Outside of Means” equation – Dead Fish

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Living outside of your means makes you a Dead Fish

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There is a third equation and unfortunately this is how a great many people have been living and is part of the reason for the unprecedented levels of stress in todays society.

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The third equation relates to living outside of your means.

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Ever since we moved away from the Gold Standard we have been a society based on credit. In this scenario Mark is still earning 25k but now he has a credit card and the bank was more than willing to lend him cash. Mark’s lifestyle over the last 5 years has been costing him 35k. This has meant that over the last 5 years he has had to borrow 50k to live his lifestyle, he now owes the bank 50k plus the cumulative interest that is owed on these debts.

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Cumulative interest is like a snowball rolling down a hill and gets exponentially larger the longer it rolls on.

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What Mark really owes could be closer to 80K depending on what his bank is charging him.

In addition, that is £80K if he pays it off right now, if not then he will continue to owe interest, he might even get into a position where he is paying more and more and still only paying off the interest on his loan. In this situation, Mark has absolutely no freedom and has to continue to sell more and more of his hours to keep up his lifestyle and repayments, he has become become a wage slave.

There is no option to take a year off or try his hand at business, he must keep working, and working hard, which brings stress and misery. What is worse is that if Mark ever loses his job he really is in massive trouble. He is already in debt and may not be able to lend more from the bank without a wage coming in, mortgage repayments will be missed, loans defaulted on and he could end up losing everything and having to file for bankruptcy.

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Applying this equation to the Ronaldo’s situation should he be living by this equation and he gets an injury that puts him out for life, has exactly the same outcome accept the numbers are bigger and the material loses are greater.

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The overall loss and the overall stress however remain the same.

Living outside of your means is not a right, much to the disagreement of advertisers everywhere who relentlessly promote that we are entitled to anything we want, and we can have it right now. Do not listen to them, the small pleasure of living outside of your means is not worth the complete destruction of your freedom and permanent slavery to the wage slip.

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Please, Think Of the Fish

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A good way of reminding yourself of the above is to think of the fish.

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Dead Fish Economics

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When in water (Within means) it is happy and relatively stress free. When on top of the water “On means” it can survive but is a quite stressful. When out of the water (Outside of means) it is in a lot of trouble and the longer out it is the worse off the fish is.

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Anyone who has to sell their time for income is in the rat race. For some this is what they want and it can be a viable option, but only if you live within you means.

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Living from paycheck to paycheck with the “On means” equation or worse, in debt through the “outside of means” equation is a destructive and stressful lifestyle.

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Don’t fall into the trap. If you are already there, seek financial advise to help you get out of the trap. It will be a long, painful process but it is possible to get back control of your finances and thus your freedom.

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The image I use for Dead Fish Economics is from a project I am working on called Pictomins – Little Pictorial Bites Of Wisdom For a Visual World. You can check out the site at http://pictomins.wordpress.com/ . I would love to hear what people think about the idea.

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An Apology

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I realise that this post was probably not as entertaining or humorous as usual but that is deliberate because of how important I believe the content is. However, I will end on a joke so you don’t feel too hard done by.

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Two men where walking out of a bar when they were held up at gun point. As they were handing over the cash from their wallets, one of the guys tuned to his mate and said, “Hey Dave, heres that twenty I owe you.”

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How to be Rich Stage 2 – Dead Fish Economics for Super Wealthy Living is a post from: thelifething.com
Thanks for subscribing, you should now be at least twice as attractive to the opposite sex. Loyal reading of these articles increases your sexiness further. (Just so you know) r. thelifething.com - Life Design For A Designer Life...or something