Basic Plan – It’s a Circle!

Managing your personal finances is a key factor in achieving financial freedom and living the life you’ve always dreamed of. There are a number of strategies and tools that you can use to boost your cash flow and build wealth. In this article, we will explore five sources of cash flow and five tools that can help you grow your wealth.

Sources of Cash Flow

  1. Job: Your job is likely to be the most reliable and consistent source of income, but there are ways to increase your earnings through promotions, bonuses, or finding a higher-paying job.
  2. Trading: Trading can be a great way to increase your income, but it also comes with risks. Whether you’re trading stocks, bonds, or other financial instruments, it’s important to have a solid understanding of the markets and to use proper risk management techniques.
  3. Real Estate: Real estate can be a lucrative source of passive income if you invest in the right properties and manage them effectively. You can earn rental income from tenants, or you can flip properties for a profit.
  4. Dividend Stocks: Dividend stocks are a great way to generate passive income, as long as you choose companies that are stable and have a history of paying dividends.
  5. Bit Coin Trading(Bots): Cryptocurrency trading has become increasingly popular in recent years, and trading bots can help automate your trades and increase your profits. However, it’s important to remember that the cryptocurrency market is highly volatile, and you should always be prepared for both gains and losses.

Tools to Increase Cash Flow

  1. Margin Loans: Margin loans allow you to borrow money using your investments as collateral. This can be a great way to increase your trading capital, but you should be careful not to over-leverage your assets.
  2. Personal Loans: Personal loans can be a good option for financing big purchases, consolidating debt, or covering unexpected expenses. Just be sure to shop around for the best interest rates and terms.
  3. Credit Card Transfers or Loans: Credit cards can be a good source of short-term financing, but it’s important to be mindful of the interest rates and fees that come with credit card debt.
  4. Insurance(Infinite Banking): Infinite banking is a strategy that involves using cash value life insurance policies to generate cash flow and grow wealth. This can be a good option if you’re looking for a more tax-efficient way to build your wealth.
  5. Mastermind Groups: Mastermind groups are a great way to connect with other like-minded individuals who are also working to build wealth. By sharing ideas, strategies, and resources, you can learn from others and accelerate your financial progress.

By utilizing low or zero interest loans from our tools, we can then move that money into our cash flow. A portion of the money generated by the increased cash flow is then moved back into our tools to pay down any debt we have acquired to then be used again and again.

This strategy is commonly referred to as leveraging, and it’s a powerful way to build wealth. By using low or zero interest loans to invest in your cash flow sources, you’re able to multiply the effects of your investments and generate more income. And by paying down your debt, you’re able to free up more capital to invest in other areas, allowing you to create a self-sustaining cycle of wealth creation.

However, it’s important to remember that leverage is a double-edged sword. While it can help you build wealth quickly, it can also amplify your losses and increase your financial risk. It’s important to use leverage wisely and to always maintain a solid risk management strategy.

Additionally, it’s crucial to have a plan in place for paying down your debt. This can involve using a portion of your profits to make extra payments, or it may require you to adjust your spending habits and lifestyle in order to free up more capital.

During my recent mastermind call I was reminded of this and proceeded to initiate a 0% balance transfer to move that money onto other debts thus saving thousands in interest payments.

Leveraging can be a powerful tool for building wealth, but it should be used with caution and in conjunction with a solid financial plan. By combining the right sources of cash flow, the right tools, and a solid debt repayment strategy, you can achieve financial freedom, create a sustainable cycle of wealth creation and live the life you’ve always dreamed of.

This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.


Basic Dividend Investing

Dividend investing is a popular strategy for generating passive income from stocks. Here are some steps to get started in dividend investing:

  1. Educate yourself: Before investing in dividend-paying stocks, it’s important to understand the basics of stock investing and the concept of dividends. Read books, attend seminars, and do your own research to gain a solid understanding of the subject.
  2. Create an investment plan: Decide how much money you want to invest, how much you can afford to lose, and what your investment goals are. This will help you to determine the right stocks to invest in and the right amount to invest.
  3. Choose the right stocks: Look for stocks that have a track record of paying regular dividends and that have a history of increasing their dividends over time. Consider the financial strength of the company, its earnings and revenue growth, and the industry it operates in.
  4. Diversify your portfolio: Diversify your portfolio by investing in a mix of stocks from different industries, countries, and market sectors. This will help to reduce the risk of loss from any one stock or sector.
  5. Invest for the long term: Dividend investing is a long-term strategy, and it is important to keep this in mind when making investment decisions. Don’t sell your stocks after just a few months, but hold onto them for the long term to benefit from the steady stream of dividends.
  6. Stay informed: Keep up to date with market news and developments, and be aware of any changes in a company’s financial performance or dividend policy. This will help you to make informed investment decisions.
  7. Consider using a brokerage account: A brokerage account can make it easier to invest in dividend-paying stocks and keep track of your investments. Consider using a reputable online broker or financial advisor to help you get started.

Dividend investing can be a great way to generate passive income and build wealth over the long term. By educating yourself, creating an investment plan, choosing the right stocks, diversifying your portfolio, and staying informed, you can get started in dividend investing and achieve your financial goals.

This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.

Welcome to A.I.

What is all the talk about? ChatGPT

What a game changer, this experimental conversational AI is rocking the internet and has the ability to do many many jobs and it is not even released yet, they are just testing it! Why is Microsoft investing billions, why is Elon Musk driving full steam ahead towards general AI?

From writing articles to even coders asking it to write up some HTML or Python code, it reached into its data and spits out an answer in seconds. Write a jingle for me, write a two minute commercial, write an article. I do not think school will ever be the same if I can ask it to write a 1000 word paper on any subject. So what can it do? Let me ask it a couple questions just to demonstrate a fraction of its power. I will put my statements or questions in Bold followed by the AI responding immediately.

I need an article written for high school age explaining what ChatGPT is.

ChatGPT is a language model developed by OpenAI, an artificial intelligence research lab. It’s designed to generate text based on the input it receives, allowing it to respond to questions, write articles, and even engage in conversations.

ChatGPT is trained on a massive amount of text data, which enables it to generate highly convincing and context-aware responses. The model uses a deep learning technique known as transformers, which are capable of processing large amounts of information in a highly parallel and efficient manner.

In other words, ChatGPT is a computer program that can understand and generate natural language text. This technology has many potential applications, such as in chatbots, virtual assistants, and automated writing.

However, it’s important to keep in mind that while ChatGPT can produce highly coherent and convincing text, it’s not perfect and may produce incorrect or biased responses. Additionally, as with all AI technology, it’s important to consider the ethical and societal implications of its use.

Overall, ChatGPT is a fascinating example of the capabilities and limitations of AI technology, and it’s likely to play an increasingly important role in our lives in the coming years.

Keep it under two paragraphs.

ChatGPT is a language model developed by OpenAI that can generate text based on input it receives. It uses a deep learning technique called transformers and is trained on massive amounts of text data, allowing it to generate highly convincing and context-aware responses. ChatGPT has many potential applications, such as in chatbots and virtual assistants, but it’s important to keep in mind that it can produce incorrect or biased responses and that its use raises ethical and societal implications.

Write a one page article on retiring on dividend investing.

Retiring on Dividend Investing: A Smart Choice for a Secure Future

Retirement is a stage of life when individuals look forward to living a relaxed and stress-free life after years of hard work. One of the most important aspects of preparing for retirement is financial planning. Dividend investing is one of the smart choices for securing a stable financial future in retirement.

What is Dividend Investing? Dividend investing is a type of investing where individuals invest in stocks or mutual funds that pay regular dividends. Dividends are a portion of a company’s earnings that are distributed to shareholders. Companies pay dividends to reward their shareholders for their investment. Dividend investing is a popular choice among retirees because it provides a steady stream of income, which can be used to supplement other sources of retirement income, such as social security or pensions.

Benefits of Dividend Investing

  1. Regular Income: Dividend investing provides a steady stream of income, which is ideal for retirees who are living on a fixed income. The regular income from dividends can help retirees to maintain their standard of living and provide financial security.
  2. Potential for Capital Appreciation: Dividend-paying stocks have the potential for capital appreciation, which means that the stock price can increase over time. This can provide retirees with additional income in the form of capital gains.
  3. Diversification: Dividend investing can be a great way to diversify a retirement portfolio. Retirees can invest in a mix of dividend-paying stocks, bonds, and other securities, which can help to reduce the overall risk of their portfolio.
  4. Reduced Volatility: Dividend-paying stocks tend to be less volatile than non-dividend-paying stocks. This means that retirees who invest in dividend-paying stocks are less likely to experience large fluctuations in the value of their investments.
  5. Tax Benefits: In many countries, dividends are taxed at a lower rate than other types of income. This can provide retirees with significant tax savings, which can help to stretch their retirement savings further.

Conclusion – Retiring on dividend investing can be a smart choice for individuals who want to secure a stable financial future. Dividend investing provides a steady stream of income, the potential for capital appreciation, diversification, reduced volatility, and tax benefits. Retirees should consult with a financial advisor to determine if dividend investing is right for them and to develop a personalized investment strategy that meets their unique retirement goals.

Lets concentrate on using several stocks: JEPI, QYLD and reduce the article size by fifty percent.

Retiring on Dividend Investing with JEPI and QYLD

Retirement planning involves financial preparation for a secure future. Dividend investing is a smart option that offers a steady income stream and potential capital appreciation. Investing in JEPI and QYLD stocks can provide additional benefits.

JEPI is an ETF that invests in dividend-paying stocks, while QYLD invests in NASDAQ-100 companies and provides income through covered call options. Together, they offer:

  1. Regular Income: Both stocks provide a consistent income stream.
  2. Capital Appreciation: JEPI invests in high-quality dividend stocks, while QYLD invests in NASDAQ-100 companies.
  3. Diversification: A combination of JEPI and QYLD provides a well-diversified portfolio.
  4. Reduced Volatility: Investing in these stocks reduces the risk of large fluctuations in value.
  5. Tax Benefits: Dividends may be taxed at a lower rate, providing additional savings.

Retirees should consider consulting with a financial advisor to determine if investing in JEPI and QYLD is suitable and to create a personalized investment strategy. Dividend investing with these stocks offers a smart way to secure financial stability in retirement.

Write a short conclusion to an article on the benefits of using ChatGPT.

In conclusion, ChatGPT is a powerful tool that offers numerous benefits for users. Its ability to generate human-like responses, understand and process large amounts of information, and provide answers in a fast and efficient manner make it an invaluable resource for businesses and individuals alike. Whether it’s for personal use or for improving customer service and streamlining workflow processes, ChatGPT is an innovative solution that can greatly enhance the user experience. So, if you’re looking for a tool that can help you get the answers you need, quickly and accurately, ChatGPT is definitely worth considering.

Ok its me now, haha. I think people will have to start adding subtext that they did not even write their articles. All those google searches eliminated and an AI finds the answer for you, then spits it out, writing jobs, I even had it grab me a recipe based on what I like and the ingredients I had on hand. Add math, add my stock trading guidelines, the possibilities start to get scary! Here comes the future whether you like it or not.

This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.

Time for a Change

This year will be epic, I belong to a wealth group and they posted this video from Robert Kiyosaki where he explains how money works now days.

I first read Roberts book Rich Dad Poor Dad years ago and I didn’t comprehend it. It was just another book of letters on pages I absorbed in the year when I was younger. Later I read it again and a light went off in my head, I bought a case of the book and gave it out to family and friends. Now when something just clicks in your head, I don’t know about you but it makes me passionate about it and I want to share it. You will find it hard to drag people on your journey with you, best to do it and lead by example and find other people or groups that are also as passionate as you, they are out there.

I started buying assets, first Realestate, then stocks, crypto currency, insurance policies, starting businesses. I eventually retired early from my job when the opportunity presented itself. Mistakes were made, the economy was up, down and everything in between but along the journey I have learned so many things that are priceless.

Do I follow all the rules on this journey to wealth? Oh no way, I flounder, stray from the path, splurge and do dumb things but it is an adventure I am having fun with. Taking that first step on the path though is key, seeing the path, recognizing the mistakes or different choices. If you can’t see the playing field how are you going to play the game? How are you going to understand the rules, if you don’t know there is a game?

Robert can be a hard person to take in person, a little rough around the edges and he just speaks his mind no matter what he is thinking which can be hard for people in this day and age of gentleness. Some of his books are great though and very easy to understand. He follows the path of hiring smart people and don’t do it yourself if you can hire someone else that can do it better. He has some great writers, accountants, managers, book keepers… learn from his example and you will go far. Take that first step.

This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.

What is Happening in the Market? Crazy Stuff…

Everything is up, down sideways. The market is crashing, we are in a recession, we are going into recession, the market is recovering. Bitcoin is disappearing, all the exchanges are going bankrupt, people are stealing your money, withdrawal everything and hide it under your mattress.

No matter what is going on in the market or world, if you have a reliable system in place you should be confident it can handle the situation. That goes along with you investing smartly.

Recently in the news has been the collapse of the FTX crypto exchange, FTX filed bankruptcy in Nov 2022. FTX was very large in terms of holdings and being sponsored by famous people and sports teams. According to Wikipedia a cryptocurrency exchange, or a digital currency exchange (DCE), is a business that allows customers to trade cryptocurrencies or digital currencies for other assets, such as conventional fiat money or other digital currencies. Exchanges may accept credit card payments, wire transfers or other forms of payment in exchange for digital currencies or cryptocurrencies.

Some brokerages which also focus on other assets such as stocks, like Robinhood and eToro, let users purchase but not withdraw cryptocurrencies to cryptocurrency wallets. Dedicated cryptocurrency exchanges such as Binance and Coinbase do allow cryptocurrency withdrawals, however.

We have been using Binance and Coinbase which have been reliable and around for a long time. The top three right now are as follows:

I try to stay away from the exchanges that are offering loans and credit cards on your holdings. The more and more things are leveraged the more risk you take on. Some of our portfolios have dropped in value because of this institution collapse and stock market drops but they are still making us more and more money in the form of trading, dividends and other investments.

I recently had a discussion about loans, expenses and the taught consumerism. We discussed how money is utilized via loans and leveraging. In my case, I said my bank account has had the same balance for a year now. The markets have gone up and down(mostly down this year) and the crypto markets have been pretty stagnant and dramatically down recently. We have had trips, weddings and many many expenses but if my investments are growing faster than we can spend it or faster than the value drops in any markets then you are golden.

We should be a little more conservative and be growing in this bad economy but I am confident in our investments and don’t want to compromise our lifestyle. Ok maybe we go overboard a little, haha. Enjoy your life! I know I am.

Trading software Info

Order Trading Software

This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.

Vacation Anytime! Not for the faint of Heart

Having a passive income allows our family to take time off when ever we need too. This weekend was my daughter’s wedding, so I wrapped up any active income/trading items and took the rest of the week off for travel and piece of mind. Passive income is still working in the background to help pay for everything.

I trade Options and I am a member of the Mastermind program. I get to spend time with people far smarter than myself and learn every single day. I hope I can spread that knowledge to more people, including family and close friends. Having the luxury of not working 9-5 or worse, shift work like in the past is just such a relief.

This lifestyle is not for everyone though, some people need that 8 hours a day to keep busy working for other people. It gives them direction, comfort and a purpose. I just prefer not using that 8+ hours a day making other people rich or furthering their ulterior goals. Why not work on my goals and asperations instead. I love to do other things for myself and my family either by reading, learning, watching videos or even just relaxing. I think it is time much better spent in making this journey and just that much more enjoyable.

Rockwell’s PowerX software is one of the greatest finds in my lifetime, allowing me to retire easily and continue supporting my family.

Trading software Info

Order Trading Software

This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.

The Word Can Change Your Life

The old saying ‘Sticks and stones can break my bones, but words will never hurt me.’ We grew up hearing it and I never really agreed with it. It was used to defend against hateful bullies or people just trying to hurt you or get a rise out of you. In truth, many of those words I still remember today. The hateful things said in anger by parents or loved ones. The times I lost my temper and said something I regretted. The truth is those words were so much more powerful than a stick and they shaped my entire life. I know they had an effect on me and the people around me. I recently started reading a short book but it was so powerful I wanted to jot down a few paragraphs about it. We have talked and learned about mindsets, abundance, how your focus is what draws reality to you.

The Four Agreements

In this book Miguel discusses the four agreements you make and hence the name, The Four Agreements by don Miguel Ruiz, check it out in print or digital I am really enjoying it so far.

The first agreement discusses The Word and he eloquently puts it into a short story what is so hard to explain about how we grow up and our surroundings influence us. You don’t realize how you are formed as a person and made into what you are, but is that who you are? Or just what the people surrounding us have taught us to be? I have it on audiobook and will definitely have to listen to the first part again and again. It resonated so much with what I believe and have a hard time explaining to people. If you can recognize and even question your upbringing you can dig yourself out of those preconceived notions, barriers, glass ceilings, generational strife and much more. You can create something of beauty.

Have you met the person who does not think they are rude, they are just honest or a person who agrees everyone is equal, except those people who just are not able to understand things like us. You are shaped by your environment, teachers, parents, friends and a big culprit: rumors/gossip.

People will say things, however outrageous and it goes in your ears, your mind may absorb it at face value, as the truth. You may even spread those words to others like a disease. I have met well educated people that believe total nonsense, yet I think it nonsense based only on what I have learned in this life, so who is to say which is right or wrong. Hate and love are created by the word and one miss-phrase to someone has the ability to change an entire persons day or even life. If you accept that agreement of what was said it can effect you in ways you don’t even realize.

The word can create or destroy things, placing people in a living hell on earth or a blissful life. Recognizing the words of others and how they can have an effect on you. Just by learning this first aspect of life you have the ability to change everything around you. Either living in a self created misery or your own heaven on earth.

I remember as a parent not allowing my children to say ‘this is impossible’ or ‘I can’t do this, it’s to hard’. Those words have power and can lead a child down a never ending path of failure. Instead learn how smart you are, how failures are lessons to help us learn more, how you are loved and how to love yourself. Be proud of who you are and what you have accomplished. Something so small to you is a mountain to another person, be proud of those little things.

This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.

Crypto Trading for the Win

Crypto Trading Bots 

Markets are down, crypto coins have been in what they call a crypto-winter and I’m still bringing in money. I cant wait, I will be ready to double what im doing now when the markets start to turn around.

Some people have asked about trading bots for crypto currency. This can be a semi-passive trading method, I personally utilize this to collect cash every week, similar to dividends. The crypto market can be very volatile so the value of your investment will definitely go up and down. In my personal portfolio I have coins up 34% and down 28% in value but they are still making a profit trading every day.

Im currently on track to return 70% profit in a year, that is in a down market.

Full disclosure I am a member of this trading system and an affiliate. There is a Non Disclosure Agreement(NDA) in place, so specifics can not be shared but there are some exceptions I have verified. 🧐.

– In this snapshot these are my best ones that have been running between 2-4 months. That 40% in 3 months! Try to get that % from your bank, haha.

These are my worst bots this year. They have gone down in value quite a bit but are still making money. Similar to a dividend stock they still pay you if the value goes down.

Click here to Download a free PDF and signup for the free webinar. This program is closed and they have only been opening it up every 6 months so far.

How to trade coins

This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.

How to get it all

Through the Laws of Attraction

Get everything you want at a snap of your fingers? That’s something of legend, or are legends based on real things? Well it may not work quite like that but it can seem magical. The problem is how to train your mind to believe in it. The mind and the universe can be a curious thing that we have only touched on exploring.

Basically, when you give something attention it can be easier to manifest that thing. When people make a vision board it’s for a reason, to give your mind something to focus on, to see it, to look for details attached to that item, or see similar items in life. In a way to attract them to you or more specifically your minds attention. Like when you see a yellow car and say I’ve never seen a yellow car before. Then for the next week you are seeing yellow cars everywhere. Your mind didn’t care about yellow cars so it may have ignored them, pushed them to the periphery of your attention. Prioritizing the fast moving cars to avoid being hit.

Do you know someone who focuses on their losses maybe to the point of obsession. Complaining about this and that? They attract more and more negativity to them. They surround themselves with like minded people that like to complain about things and pretty soon they all can point at how others have it easy, they have it rough… woe is me…like attracts like, a whirlpool sucking in others and pulling them down. So it goes both ways,attract the good, attract the bad. Some people are not ready for change, you can try harder and harder to help them but in the end they might just pull you down or into their circle. The mind is a finicky thing so be careful not to fall into this trap. You can only set an example and show people tools but you can’t drag them into happiness.

This phenomenon has been called many things and interpreted in many ways over the years so this in nothing new I have discovered but when you realize it, when you see it, when it happens to you and you fully recognize it, you think you discovered a miracle or candy for the first time. It might be something small like wanting money so bad but not realizing that coupon u find in the grocery store, that discount you got, that quarter you picked up. Were those things you attracted or just now noticed? People can ignore little things but if you see the gifts presented to you however small and accept them maybe there is more around the corner. A job offer, a class to further your career, a promotion. Don’t turn your back or snub your nose to the little things. Accept them and be thankful, move on and upwards for bigger things.

One story I heard solidified some of these theories into actual reality. For example a race car driver losing control looks at the wall, no matter what he/she does, they keep heading towards the wall which results in a crash. The mind focuses on something even if that something is what you are trying to avoid. By focusing on it you are giving it energy, your mind is trapped looking at it and it comes to you involuntarily. In training a race car driver is taught do not look at the wall. Look where you need to go to the point of the instructor grabbing the trainees head and turning it. You want to look at your impending doom, it’s instinct. By focusing away from it, on where you need to go, you teach your mind something different. You give that energy, focus, attention on a point you need to be and your training and driving skills take you there. Does it work 100% of the time, no but those drivers that learn it seem to make miraculous saves and avoid things we can only dream about. That’s where the training comes in, the discipline to repeat something like that under pressure and not fall back into your old ways. One crash might have a person always looking at the wall in fear for the rest of their life never being able to avoid it again.

On a hilarious side note I was playing Mario cart and that dang banana peel was dropped there in front of me. I was sliding around the corner, I couldn’t take my eyes off the yellow peel. I thought to myself look away, if you focus on it you will surely hit it. I tried to look away, focus elsewhere but I could not take my eyes off it and continued to stare and boom, I hit it. This was all in a fraction of a second which seemed like 5 seconds of time. Time is another topic, don’t get me started. Afterwards it just clicked if I would have looked where I wanted to go I might have just slide right by it.

There have been many times in my life where I have done things and people asked, how did you do that? To which I reply, I just did it. People get frustrated and say but what about this and that, weren’t you worried about hitting this, failing at that. I just did it, I was not worried about failure or how I wouldn’t be able to do it, I just did it. I had a goal and focused on it and it succeeded. Don’t get me wrong some of those goals in life take an enormous amount of practice. You just don’t get into a plane and make it fly. You train and learn and eventually you become a expert then flying a plane seems like magic to others but you start small. Learn how to be positive, have goals, don’t concentrate on failures or losses. Those were learnings and steps to lift you to greater heights. You look forward to your successes and complete your goals.

Be grateful for what you have.

Have goals to work towards – Without a goal you are just spinning in place.

Learn how to recognized negative behaviors and bring negative events into a positive light.

Your mind needs to be challenged, it needs a purpose in life. Be happy in what you have accomplished and set a new goal to work towards. If you think you need something to make you happy then you will always be sad. The fact that you think you need it infers that you are currently unhappy. Work on your present moment, make it the best it can be and look forward to the next. What will you be looking at? The wall or your path.

This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.