“Keep Them POOR” (Speech That “Broke The Internet”)

Rich Dad Poor Dad Daily
“Keep Them POOR”
(Speech That “Broke The Internet”)

  • Getting OPT and OPM to work for you…
  • Rich dad trained me to be a capitalist. The world wants to train you to be an employee…
  • What would you do with $20?

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Robert KiyosakiRobert Kiyosaki

Editor, Rich Dad Poor Dad Daily

Dear Reader,

My poor dad was what society would consider an A student: class valedictorian, and class president. He loved school. He graduated with a four-year degree from the University of Hawaii in only two years. He also attended Stanford University, the University of Chicago, and Northwestern University.

My rich dad never even finished the eighth grade; his father died so he had to take over the family business. Although his formal education was limited, he would eventually become one of the richest men in Hawaii.

My poor dad and my rich dad were polar opposites. Both were very good men, but they never did see eye to eye.

Looking back, I can see how my time with rich dad gave me an advantage in life, especially when it came to money. Between the ages of nine and 18, until I left for school in New York, I spent one or two days a week after school and two Saturdays every month working for free for rich dad.

Rich dad never paid his son or me with money; he paid us in training us to be capitalists. He did not pay us because he did not want to train us to be employees who worked for money. He was training us to be employers—entrepreneurs, capitalists who had OPT (Other People’s Talents), and OPM (Other People’s Money) working for them.

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Rich dad did not pay me because he did not want me to think like an employee. He felt the rest of the world would teach me to think that way. In other words, he was training me to think differently about money, which was priceless. He did not tell his son and me what to do. He gave us choices.

Rather than telling me to “Look for a job,” my rich dad encouraged me to think like an entrepreneur and instead “Look for opportunities.”

With that advice, I did many things to make money. For example, on Saturdays, I would be up at five o’clock in the morning to surf with my friends, since the surf is usually better in the morning. I would then go to rich dad’s office and work for him for a few hours. To earn money, I would then go to the golf course in the afternoon and work as a caddy, carrying a golf bag for 9 holes for $1. It was only a nine-hole course, so I could make $2 by carrying two bags. I could make more on a Saturday afternoon than the weekly allowance my parents gave me. On top of that, I got in shape for football season.

By looking for opportunities, rather than a job, rich dad was training me to look at the world as an entrepreneur, rather than an employee. Rich dad said, “You never want a paycheck.” Obviously, rich dad’s ideas about “work to learn, not to earn” angered my poor dad, who was more of a socialist than a capitalist.

School Does Not Teach You About Money

When I was young, I would ask my teachers, “Isn’t the reason for getting a job to make money? If money is the objective of getting a job, why not get right to the point and just teach us about money?” My question was never answered.

The fact that money isn’t taught in school, it leaves so many people, especially in today’s economy struggling when it comes to their finances.

The sad reality is that for many young people in America, their first expenses are rent, food, transportation, and entertainment. If they do not have the money, some moms and dads give them the money they need. This does little to increase their financial intelligence.

Many get married and start a family in their 20’s and 30’s and when the first child arrives, so do more expenses. And as most parents know, children become more expensive with age. When children arrive, many parents are forced to grow up.

By the time they are in their late 30’s, most young couples are trapped in the Rat Race of life. Life becomes a scramble to earn enough money to cover increasing expenses, with most people living paycheck to paycheck.

I knew at a young age that I didn’t want to wind up in the same cycle that I saw my parent’s living. That is why I embraced learning all that I could about money from my rich dad.

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Here’s a New Socialist Scheme You Should Worry About

When we see offers from other publishers that might interest you, we pass them along. Below you’ll find one from our friends at Stansberry Research. Please note that their opinions may differ from ours at Paradigm Press.
– Rich Dad Poor Dad Daily

Here’s a New Socialist Scheme
You Should Worry About

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Just for starters… We are witnessing a raging Socialist movement in America today…

  • The government’s closing our businesses and churches and forcing us to stay home…
  • Politicians who promise to pay your rent or send you a check are soaring in popularity…

In fact, a recent Gallup poll says more Democrats now have a “positive view” of Socialism (57%) than Capitalism (47%)!

But what no one’s really talking about in the mainstream press is WHY everyone’s been so quick to give up their liberty… and WHERE it’s all headed.

Well, one wealthy businessman says there’s a secret reason behind this trend… a “Big Lie”… and it’s all leading to a political event unlike anything we’ve seen in our country in more than 50 years.

If you care about your health… your wealth… your family… and your future… it’s critical for you to understand what’s really happening and what is most likely coming next.

I guarantee you, this written analysis by an influential Maryland businessman will help you see these events in a different light.

I strongly encourage you to at least check it out here.

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Delivering World-Class Financial Research Since 1999

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Make Money Without Working?

Make Money Without Working?

  • Most people don’t even understand what they should do to protect themselves, much less the economy…
  • Because they don’t understand these things, many of the opportunities available today will not be taken advantage of, and many of the challenges we face will continue for a long time…
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Robert KiyosakiRobert Kiyosaki

Editor, Rich Dad Poor Dad Daily

 

Dear Reader,

The bigger tragedy than the current financial crisis, or even the degradation of a capitalist system that has brought such prosperity to the American people, is that so few truly understand what happened, and even more so, why it happened.

Most people don’t even understand what they should do to protect themselves, much less the economy. And because many people don’t understand these things, many of the opportunities available today will not be taken advantage of, and many of the challenges we face will continue for a long time.

The ability of many people to realize the American Dream. Abraham Lincoln said that every American should have the opportunity to “improve his lot in life” but this severely inhibited by our country’s severe lack of financial education. As the prophet, Hosea put it so eloquently, “My people perish for lack of knowledge.”

One of the greatest failures of the educational system is the failure to provide financial education to students. Educators seem to think that money has some sort of quasi-religious or cult-like taint to it, believing that the love of money is the root of all evil. But we are experiencing one of the worst financial crises in our country’s history—a crisis that has the potential to last for generations.

It is education alone that provides the knowledge necessary to remove barriers to opportunity.

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Three Basic Types Of Eduction

#1 Academic

Academic education is our ability to read, write, do mathematics, and compute data. This is a very important education. We use this education to solve problems like knowing where and when a hurricane might strike and what kind of damage might be expected.

#2 Professional

This is the education we use to acquire a skill and earn money. For example, a medical doctor will spend years developing this very important education. A doctor’s skill will earn them a substantial income and solve many people’s problems.

In simple terms, professional education is the education we use to solve people’s problems, and people are willing to pay money for those solutions. If my car is broken, I am very happy to pay money to the auto mechanic who fixes my car. I am also very happy to pay my housekeeper money. She solves a very big problem for my wife and me. She is important in our life.

In my businesses, I have different people who manage different aspects of my business. These individuals tend to have great people skills, as well as great technical skills. These people, and their varied education, are essential to my businesses. An important lesson from rich dad was that different businesses require different technical education. For example, in The Rich Dad Company, I need people with excellent business and people skills. In my real estate businesses, I need people with technical skills, such as licensed plumbing and electrical professionals.

#3 Financial

Most of us have enough financial education to make money. We all know that a person may have done well academically and be a genius in the classroom but be unable to make much money in the real world. I would say, my poor dad, a great teacher, and a hardworking man had a high academic IQ but a low financial IQ. He did very well in the world of academia but did poorly in the world of business.

My point is we need different types of education to do well in this brave new world we live in. While I do not think financial education is the most important education, it does affect everything that is important.

The beauty of the world today, if you understand this, you can make money without working.

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Understanding Your Financial Statement

I am not an accountant, but I have attended several classes on accounting. In most of those classes, what struck me was how the instructors focused on either one of the documents, but not the relationship between the income statement and the balance sheet. In other words, the instructors never explained why one document was important to the other or how one affected the other.

Rich dad thought the relationship between the income statement and the balance sheet was everything. He would say, “How can you understand one without the other? How can you tell what an asset or liability really is without the income column or the expense column?”

He would go on and say, “Just because something is listed under the asset column does not make it an asset.” I think that statement was the single most important point he made. He would say, “The reason most people suffer financially is that they purchase liabilities and list them under the asset column. That is why so many people call their home an asset when it is really a liability.”

After Rich Dad Poor Dad was published, many people asked, “Is he saying that a person should not buy a house?” The answer to that question is, “No, he was not saying not to buy a house.” Rich dad was only emphasizing the importance of being financially literate. He was saying, “Don’t call a liability an asset, even though it is your house.” The next most asked question was, “If I pay off the mortgage on my house, will that make it an asset?” Again, the answer in most cases is, “No, just because you have no debt on your home, that does not necessarily make it an asset.”

Once you understand the difference between income and expenses, and assets and liabilities, the next lesson to understand is the two most important words in investing: cash flow.

To rich dad, the most important words in business and investing were cash flow. He would say, “Just as a fisherman must watch the ebb and flow of the tides, an investor and businessperson must be keenly aware of the subtle shifts in cash flow. People and businesses struggle financially because they have poor control of their cash flow.”

Four Assets That Make People Rich Through Cash Flow

There are four basic asset classes in any financial statement.

They are:

  1. Business
  2. Real Estate
  3. Paper
  4. Commodities

My first choice has always been commodities. I love gold and silver. I began collecting silver coins when I was nine years old.

My second choice is real estate. I love real estate because it is easy to use debt to acquire properties. It’s a bonus that the tax laws are favorable for real estate investing.

My third choice related to asset classes was to be an entrepreneur, someone who started businesses. I have started many businesses, but most of them never survived those first critical years. The ones that did survive were my nylon and Velcro surfer wallet business, my rock-and-roll business, my education company, a gold mine, a silver mine, an oil company, and today, The Rich Dad Company.

Of all the asset classes, business is the toughest. That may be why the richest people in the world are entrepreneurs. It can be a long road—and a tough one—but when they win, they often win big.

My fourth choice is paper assets. I have attended many classes on stocks and options. I am not good at it. I don’t love reading annual reports or watching stock prices going up and down.

As an entrepreneur, I have formed three companies and taken them public, via an IPO, an Initial Public Offering, just for the experience. I wanted to look behind the curtains at how companies are created and then sold to the public. It is a dirty game and I did not enjoy it but you might.

I encourage you to take the time to look at all four asset classes and to drill down a little and study as cash-flowing assets are your ticket to making money without working.

Regards,

Robert Kiyosaki

Robert Kiyosaki
Editor, Rich Dad Poor Dad Daily

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Stimulus Checks a Test Run for UBI?

When we pay people not to work, we are just paying them not to revolt. That was the lesson rich dad was teaching me about the Roman Empire.

The Coronavirus Aid, Relief, and Economic Security Act, also known as the CARES Act, was passed by Congress on March 27, 2020. The $2.2 trillion stimulus package provided relief for Americans and for businesses who were reeling from the effects of the coronavirus pandemic. The package included financial help in the form of stimulus checks of up to $1200 for eligible Americans.

Almost two months later, on May 15, the proposed legislation known as the HEROES Act passed by the US House of Representatives is set to provide another round of stimulus checks to the American people. This package, however, is worth a massive $3 trillion and would increase the size of stimulus checks to individuals and married couples with children, but it also includes rental aid and mortgage relief.

I am almost certain that the proposed HEROES Act will not pass the Senate, but with the rise in the number of positive coronavirus cases, I am certain some amount will still be passed.

Some are saying these stimulus checks are exactly what Americans need, while others fear this a test-run for proposed Universal Basic Income.

In early 2020, Presidential candidates toured the country and lined debate stages pitching socialist-communist ideals, free education, free health care, free childcare, free food, and free money in the form of Universal Basic Income.

The “everything for free” platform would be paid for via MMT, Modern Money Theory. Rather than the Fed printing money and giving money to the banks, many of the socialists want the Fed to print money and give it directly to the people.

In my opinion, we will end up paying for “everything for free” with our freedom.

A Country Must Evolve

Rich dad noted that one of the reasons the Roman Empire fell was because the Romans never evolved from a basic technology of conquering and taxing. If they had evolved, their empire might have gone on for centuries.

Unfortunately, great empires seem to forget that they need to evolve. Spain was also a great nation that grew by taking and not creating. So it too fell from greatness after attaining great power and great wealth. It fell from power because it did not evolve.

My fear is that if we continue down this path to UBI, we stop evolving.

Many companies were born out of necessity during times of economic crisis. People were forced to become creative and solve real problems. But if we start paying people to not work, all the innovation that America is known for will stop. There will be no reason to solve problems if we rely on the government to solve our problems.

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Debt negotiation companies can help you to get rid of your debts and reduce the total amount you owe. Sometimes also called debt settlement, debt negotiation occurs when a company liaises with your creditors on your behalf in an effort to get them to agree to a reduced amount of money as being payment in full for your debts.

While this sounds like an easy way to get rid of your debts, the reality is you must already be several months behind on your repayments to qualify for a negotiation program. With payments already delinquent, it?s likely your credit has been affected negatively anyway. You?re also likely to have penalty interest fees and overdue payment charges added to your balances, which makes it even harder to catch up.

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Why Will Banks Negotiate My Debts?

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Can I Negotiate My Debts On My Own?

It is possible to apply for a debt negotiation with your lender on your own, however many debt negotiation companies have long-established connections with most lenders and banks. This can often give them a little more bargaining power as they?re presenting multiple applications.

Another advantage debt negotiation companies have over individuals is that they?re able to discuss the terms of your settlement with calm, professional detachment. An individual is often distressed and upset by their financial difficulties, which can make them quite emotional when trying to work towards a settlement agreement. Bank representatives are often less helpful with customers who appear to be emotional.

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Payday Loan Articles For Those That Want To Save BY HOMEPROFITCOACH

A big misconception about people borrowing money from a service like Western Union is, that they will not have to pay much interest. This is not the case with a payday loan, which people may take out if they need money quickly. Read this article for tips on using these loans wisely.

If you are considering a short term, payday loan, do not borrow any more than you have to. Payday loans should only be used to get you by in a pinch and not be used for extra money from your pocket. The interest rates are too high to borrow any more than you truly need.

If you have taken a payday loan, be sure to get it paid off on or before the due date instead of rolling it over into a new one. If you have to extend the terms of the loan you will incur more costs and be charged more interest.

One key tip for anyone looking to take out a payday loan is not to accept the first offer you get. Payday loans are not all the same and while they generally have horrible interest rates, there are some that are better than others. See what types of offers you can get and then choose the best one.

If you do not have sufficient funds on your check to pay back the loan, a payday loan company will encourage you to roll the amount over. This only is good for the payday loan company. You will end up trapping yourself and never being able to pay off the loan.

Make sure you select your payday loan carefully. You should consider how long you are given to pay back the loan and what the interest rates are like before choosing your payday loan. See what your best options are and then make your selection in order to save money.

If you are considering getting a payday loan, make sure that you have a plan to get it paid off right away. The loan company will offer to “help you” and extend your loan, if you can’t pay it off right away. This extension costs you a fee, plus additional interest, so it does nothing positive for you. However, it earns the loan company a nice profit.

If you are considering payday loans, try to borrow as little as possible. A lot of people experience emergencies in which they need extra money, but interests associated to payday loans could be a lot higher than if you got a loan from a bank. Keep these rates low by taking out a small loan.

Only use payday loans if you’re having an emergency. It’s important that you are careful not to get trapped in a cycle of using them. You won’t have as much money each month due to fees and interests and you may eventually find yourself unable to pay off the loan.

Although you should never use payday loans as a primary way to pay your bills due to the high interest rates, they can be a great help if you need money quickly and have no other options. Remember the tips in this article, so you can use payday loans wisely.

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Nurturing And Developing A Home Business With Simple Ideas by HOMEPROFITCOACH

You need to have some knowledge of what to do and expect from a home business. You need to know what resources are available to you and who can provide you answers as to what you need for the future of your business. The tips below can help you start.

To keep your finances in order, acquire a unique checking account and credit card to use for your home business. Use them for every business transaction you have, and use them for business only. Keeping your business finances separate from your personal finances will make it much easier on you when tax-time rolls around.

A good way to start gathering information on how to be successful at a home-based business is to join an online forum or community discussion group. You can find many useful resources by doing a simple Google search. Blogs are another great resource when it comes to educating yourself about online businesses.

Ask the other members of your household to refrain from interrupting or otherwise compromising your work. Keep regular work hours so that they know what to expect. If you have kids, schedule work hours while they are occupied at school or extracurricular activities. Don’t leave work materials in common areas where they might be moved or damaged.

Since your home is also your work place, make a point to get out of the house on a regular basis. Don’t isolate yourself for the sake of convenience. Go have lunch in the park, grab your coffee at a bookstore, etc. Just make sure you are out breathing fresh air at least once a day.

As you begin your home business, make sure that you believe in the product or company that you are supporting. It is very difficult to try and sell a product that you would not want to own yourself. Similarly, if you do not believe in a company’s message or business practices, you will not work as hard for them.

Make sure you respond to any customer inquiries in a timely manner. Keep track of your messages to make sure every question gets answered. This will show customers you care about your business and they will come back to do business with you for their future purchases or business needs.

Keep everything as organized as possible to make it easier for you to keep your bills paid on time and your customers happy. Find a place with few distractions that you can dedicate to only your home business supplies. It will make the time that you spend working more efficient.

If you are planning to start a home-based business, try teaching music lessons. If you play a musical instrument, it’s an invaluable tool for making money. Good music teachers command good pay, you can use any room in your home and you will have no start-up costs. It’s the perfect way to use your talent to your advantage.

As you have seen in the above tips, there is a lot of knowledge, you can acquire before starting and maintaining a home business, and it is this knowledge that can help you with your future. Do everything you must to ensure the success of your home business for the future.

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You CAN With This FIRST EVER LAUNCH that s Getting Ready To Happen…

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If asked, let them know that HOWARD MARTELL is your sp onsor! Then, grab your FR EE POSI TION NOW:

Type this website into your website browser and cli ck enter…make sure there are no spaces when typing it in: http://consumersupersavingsstore.com It s TIME to Make a FOR TUNE!