Category Archives: how to

What is a Real Estate Agent and why do you need one?

Bootstrap, Business, Entrepreneurship, Government, how to, Real Estate

As many of you know I have been spending the last few weeks becoming a real estate agent.  Real Estate is very complex and takes a long time to understand all of the different wareal estate flow chart from listing to soldys to own it, work on it, finance it and transfer it.  There are also a ton of government rules and regulations regarding real estate, and then there are industry standards that must be followed so that we all can work together and speak the same language.

So really it is a system, with its own jargon, rules, laws, institutions and much more.  It is really a business ecosystem and it works much the same way that computer ecosystems work in.  You simply need to follow the rules and the format, copy and paste the code, and you have a contract.  There are about 70 different contracts and 100’s of forms to amend or support these contracts. You can think of it much like WordPress and how you can snap in a plugin that you need.  Working a real estate deal is much like this.  After going to all of these classes I now see who the whole system works and it is very elegant and complete.  It is mostly the same across the nation but each state has a few minor tweaks.

real estate agentSo I always resented the cost of real estate agents, heck that is one of the main reasons I want to be one, was to reduce them on my actions.  I have always used an agent for things I have done, even though there was a cost. Now that I am an agent I am glad I did, we have heard 100’s of stories of the pitfalls of real estate.  There are so many ways to mess up, and when you mess up it costs people money and if you are at fault they will make you pay.  The system is so complex, and there are so many rules that it is almost impossible to not mess something up if you don’t get expert help, and often even with expert help things go wrong.

On top of taking care of the system, and making it all smooth for you a Real Estate agent has access to the databases of listed houses. Of course they created this gated database just for this reason, that you need to come to them to access it.  Unless you are an expert, in the US today you really need an agent to make your transaction work without a headache.  This is the advantage that some investors have, and why they can consistently make money, there are too many people who still have problems, and there is a lot of opinions of what something is worth, it is not a totally efficient market.  A good agent can help you find the best deals, and stay away from the overpriced inventory.  There are many good deals to be had, and just as many overpriced duds on the market.

So next time you need to buy or sell a house make sure you use an agent.  And if you happen to live in Arizona give me a call, I will either help you myself or refer you to someone who can.

Why do you do what you do?

blogs, Business, Computers, concepts, Entrepreneurship, how to, Inspiration, ,

Today I have been thinking about WHY I run this business.  Most people spend so much time on how they are going to do things, and What they are going to do.    Today, I wrote this and printed it out and posted it on my office wall, “Focus on Why we do what we do, If you do it for the right reasons What you do and How you do it will fall in line and success will follow.”

When I moved my business to its much bigger location I have only a rough idea of what we would be doing.  I had a few basic ideas of areas where money could be made, because I was already making money in those areas and my old business made money in those areas, but I was open to doing something else.  It turns out that now my most profitable part of my business was something I never did at my old shop.  It now accounts for 60% of sales and over 80% of profits, that is recycling computer products.

Once you know the what the “HOW” is very simple and obvious.  But I am here to talk about the Why….why do I do what I do?  Why am I a business owner and don’t have a job, why do I choose to work with technology?  For me that “WHY?” comes down to a few key things that I believe.

First I loved technology, it is always amazing to find out what is new, and to be able to actually play with it, not just read about it.  By owning a computer store I get the ability to design and build things for clients, forcing me to become an expert many different tech issues.

Next, I must have adventure  I also have found that I don’t like to spend much time on things once I figure them out, and technology is ever changing, allowing me to always be engaged.  For example here are some things I have done in the last month, I took apart a top of the line new Asus ultra-thin laptop to see what was inside, it was amazing how it is more like a Cell phone than a laptop.  I have explored new database ideas for WordPress, and how to import from XLS files to make carts on something that was designed for blogs.  I have had time to play new games. I played a lot with running windows 8 on a big screen TV with wireless keyboard, touchpad.  And the list goes on and on.  Every day is a new adventure, always learning and always teaching.

Next I love to share my passion for tech with others.  Spending time showing someone the new gadget, or the next big thing in the tech world is something that I love.  I also love to help people, to give them tools to make their life and their business better, then I love to see them a few months later and how what I did really changed their life.

Next I love a good deal.  I love to find good deals, I love to share them and I love to give them to others.  It is so fun when I can do something for someone better than they thought it could be done and under the price they thought it could be done in.  The side effect of this is that we have never been highly profitable.  I am always giving people deals and slashing prices.  For me it is often more about the sale than the profit, I have sold many things well below cost to make someone happy.  Recently I have been forced to charge most people a bit more to cover costs.

Those are the reasons I am in the IT industry, but now I think “WHY?” did I do it on my own instead of working for someone else.  Well I really enjoy my freedom, I also highly value spending time with my Family and friends.  I love to be able to sleep in a bit, knowing my shop is taken care of, then spend some time with the kids while they are still kids, and then be able to take them and my wife to work with me.  It is nice to be able to take time off when I need it.  I also like it when people count on me, when I can show someone…”Yes I built that”.

I guess it all comes down to the fact that if you love what you do then it never seems like work.  Most of the time it does not feel like work, it feels like fun.  There are there rare times where I told a client Yes to something I should not have because it is something I don’t like to do or don’t want to learn, and in those cases I have found that subcontracting is a great idea.

So what is your “Why”?  If you are in business, why are you in business, why did you do what you do, and why do you do it the way that you do it.  If you have a job, then why do you work where you work, does it fit in with who you are?  If the main answer to your “WHY?” is money then you will likely never live a very happy or fulfilled life.  Now-a-days there is also a large part of our population that lives off the government, why do you feel entitled to do that?  If you served in the military, or if you are retired after 45 years of work I can see why you would feel that way, but many feel entitled who need neither of these.  Do you feel that you could have somewhere else to serve, to make this world better?

You should work to make the most of your short life here, and doing things with no reason why is one of the easiest ways to waste your life.  Here are some questions that really helped me focus on what is important…Why do you surf the internet so much, do you really need to read Facebook that many times per day, do you really need to watch that TV show, what will you get out of playing that video game.

Watch what you do and see if it lines up with your why.

A Special thanks goes to today’s episode of the Glenn Beck show for getting my thinking about this again.

 

How to take care of your laptop.

Computers, How To, how to, , , , , , ,

I have been in the computer business for a very long time and one of the most common questions I have ever received was from people asking about how to take care of their laptops better.  Here is a list of some of the things I tell them.  With this list you should get many more years of life from your laptop.

I have mostly gathered this list from trying to fix many broken laptops and looking at why they are broken, and how it was caused.  Yes you do need to baby them a bit, but not too much.

The screen.

The screen is a very high tech, very thin and fragile thing.  Of course we have all seen the guy who drops his laptop and cracks the screen, that can not always be avoided but there are many other things that cause damage to the screen.

The first one is the keyboard, when you close the screen on most laptops made before 2008 the screen touches the keyboard.  This was not a problem years and years ago because the screens were matte but with the shiny polish that most modern screens have the oil from your skin is transferred from your hand to your keyboard and then to the screen, and it burns little holes in the polish, causing damage forever.  In 2008 it seems that laptop designers noticed this and most laptops moved the screen farther from the keyboard, so they don’t touch.  To fix this many other makers would give you a cloth to put between the screen and the keyboard.  If you don’t have one you can make one yourself out of any semi rigid cloth.

The next common problem is the fact that the screen is not too strong and that pressure can hurt it if it is applied in enough force in one place.  Many people hold their laptops when closed by putting their thumb on the screen and then holding it like a book.  This causes a lot of pressure in a very small area.  I have had at least 5 clients crack their screen this way, and countless others cause damage to the backlight causing a region of their screen to be much darker than the rest.  Please avoid this, try to always hold the laptop with two hands, and when you can’t then please remember to always put your thumb on the bottom side of the laptop so that your firngers will be on the screen side and spread out the force.

The next common problem of long term use is a weak hinge.  This is very annoying because the screen does not stay in place and moves around when you don’t want it to.  This is often caused by people twisting their screen, usually they have a bad habit of opening and closing their screen with one hand, and they do it on one side of the screen.  Just like putting on and off glasses, over time this makes them twisted and loose.  The solution is simple, just open and close it from the middle, or use two hands.  Over a few years this habit will make a huge difference.  The other main reason that a hinge gets loose or broken is when people close their laptop when something is inside.  People create the bad habit of putting ink pens at the bottom of the screen, or they may put it in their bag and a wire gets in the wrong place.

The last screen problem I will talk about is the problem of too much weight.  Be sure to keep your laptop in a nice protected bag, and then don’t stack too much weight on this bag, it is best to always stand your laptop bag up on edge when moving it, and be sure to not pack things in the bag that could focus the pressure on the screen.  One major cause of this problem is the power adapter, it has this large brick like AC/DC converter that you lug around.  You put the laptop in the bag, then the converter on top of it and bam, enough pressure and it damages your screen.  The solution is to always put your laptop in the bag in such a way that the bottom of the laptop is towards the converter.

The Battery and power system

The largest failure of laptops seems to be the battery and power system.  Some simple good habits can really extend the life of your laptop.

First the battery.  Laptop batteries (And cell phone batteries) are Lithium Ion and this battery type does not form a “Memory” like the older NiMH batteries of the past.  You do not need to drain them completly to keep them working at full power, in fact this damages them.  In fact is it best to never let them get under 10% full.  Try to keep them plugged in as much as you can.  Of course laptop makers don’t want you to know this, they make a large amount of money off of selling new batteries, so they program the laptop to try to totally discharge the battery.  This is done with “Stand By” (Aka “Sleep”) mode in windows.  What stand by does is to turn off most everything in the computer and just use a little power to run the RAM.  The allows you to “boot” up in a matter of a second and start using your laptop.  It is a great idea in concept, allowing you to hit a button and be up and running.  You will know your computer is in stand by when the power light is flashing.  The problem is that the default configuration for every laptop I have seen, and the way that windows itself installs the operating system is to have your computer go to stand by for everything, even when you hit the power switch.  This makes you think that you turned off your laptop and you put it away.  Then when you open it up the next day to use it you find out that your battery is totally dead, your battery totally discharged.  Do this a dozen or so times and you just killed your battery.  The solution is to go to windows power options and make it turn off your computer when you hit the power button.  There is another great feature in windows called hibernate.  This feature takes your current info that is in RAM, saves it to the hard drive, and then turns off the computer.  When you turn it on it simply reloads this saved data.  It takes about 10 seconds to load.  I love it and make it the default setting on every computer I work on or own.  Here are the power settings that I use.power options

You will also notice that I have it do nothing when I close the screen.  I do this because when I move from one location to another in my house I just close the screen and don’t want it to do anything to mess up what I am working on.  I have a good habit of always hitting the power button before I turn it off.

I live in Arizona and another problem that I have seen is when people leave their laptop in their car during the day.  It it hot enough outside, but air trapped in the car can climb to over 170 degrees, baking your laptop.  Most of your laptop is ok with this, except for the chemicals in your battery.  It does not do major damage just once but over time it can really add up to a dead battery.  I have no experience with cold, but I doubt it would be very good for the LCD screen.

The next huge problem is the jack where the power plug goes into.  They are just a small plastic thing, usually just soldered on to the motherboard, or, if you are lucky, ran to the motherboard with a wire.  The problem is that you have this wire sticking out of them, bump the wire, pull on the wire, or just use it a lot and it breaks inside the laptop.  It is a difficult and costly repair job.  Some laptops have a much better design than others, but most will still fail with a huge pull to the wire.  My solution to this is that I never move the laptop when the plug is plugged in.  I just unplug it, move the laptop, then plug it in again after I moved it.  I do this almost every time I get up.  If the kids enter the room I unplug it, just in case.  And I now only like to use laptops that plug in on the side.  When you plug into the back it is just too hard to use it on your lap in bed without pushing against the back.  The best laptops have NOTHING that plugs into the back of the laptop.  My last two have been like that, and I totally love it.

Of course you also gotta keep the wire itself safe.  Doing the above things will help in that, also don’t wrap the wire too tight when you put it away.  I usually don’t wrap it at all, it makes too much of a bulge in the bag, I just stuff it in.

If you always leave your laptop plugged in, on a desk, then remove the battery.  On some laptops it always tries to charge the battery and could cause damage from over charging.  On most modern laptops this is not a problem because the battery reports to the computer when it is full and the computer stops trying to charge it.

Other Problems

Another problem is with the Fan on the bottom of many laptop.  People set their laptop on something plush and the fabric stuffs up the fan.  If it is furry then often the fur may even go inside of the laptop and clog up the cooling system.  Most laptops use very unique fans, making a replacement costly and hard.  Dust and dirt is also a common fan clogging problem.  If you are unlucky enough to have a laptop with a fan on the bottom then keep it in mind when you are working.

Of course, as with any electronic device, be careful with food and liquid.  They can really fry the laptop.  If you do spill something on the laptop, please unplug it and take out the battery as fast as you can.  It can’t really damage circuits too bad if no electricity is flowing though them.  Then you can let it dry, maybe a week or more, and it may work.  Take it to a professional first. Here is an old but correct video.

I clean my laptop about once a month with a soft cloth and rubbing alcohol.  It works really week, and keeps it looking and feeling great.  You can clean the screen directly with light pressure, and it works awesome on the keyboard.  On some screens you need avoid alcohol, and just use distilled water.  I like alcohol because it evaporates quickly.

You, or someone paid a lot for your laptop, respect it and treat it nicely and it will last much much longer for you.

Now here is a REAL president!!

concepts, Government, how to, Inspiration, Politics, The World,

This is a new feature of my blog.  As with most people I know, many of my friends forward emails to me.  90% of them are useless but every now and then there is something very interesting in the email.  I don’t like to forward as a general rule, but I will take some of these select emails and post them here, on my blog.  This blog then goes out to my Facebook and many people get to read it.   Here is the first one…

About time we accept this attitude. We’ve had enough damage to this country by “Political Correctness”

America, Canada, all Europe ….. needs a President like this

Nowherei1
Prime Minister Kevin Rudd - Australia

During a very recent speech here are some points that PM Kevin Rudd made.


Muslims who want to live under Islamic Sharia law were told on Wednesday to get out of Australia, as the government targeted radicals in a bid to head off potential terror attacks.

Separately, Howard angered some Australian Muslims on Wednesday by saying he supported spy agencies monitoring the nation’s mosques.

Quote: ‘IMMIGRANTS, NOT AUSTRALIANS, MUST ADAPT. Take It Or Leave It. I am tired of this nation worrying about whether we are offending some individual or their culture. Since the terrorist attacks on Bali, we have experienced a surge in patriotism by the majority of Australians.’

‘This culture has been developed over two centuries of struggles, trials and victories by millions of men and women who have sought freedom. We speak mainly ENGLISH, not Spanish, Lebanese, Arabic, Chinese, Japanese, Russian, or any other language. Therefore, if you wish to become part of our society, Learn the Language!’

‘Most Australians believe in God. This is not some Christian, right wing, political push, but a fact, because Christian men and women, on Christian principles, founded this nation, and this is clearly documented. It is certainly appropriate to display it on the walls of our schools. If God offends you, then I suggest you consider another part of the world as your new home, because God is part of our culture.’

‘We will accept your beliefs, and will not question why. All we ask is that you accept ours, and live in harmony and peaceful enjoyment with us.’

‘This is OUR COUNTRY, OUR LAND, and OUR LIFESTYLE, and we will allow you every opportunity to enjoy all this. But once you are done complaining, whining, and griping about Our Flag, Our Pledge, Our Christian beliefs, or Our Way of Life, I highly encourage you take advantage of one other great Australian freedom, THE RIGHT TO LEAVE.’

‘If you aren’t happy here then LEAVE. We didn’t force you to come here. You asked to be here. So accept the country YOU accepted..’

Maybe if we circulate this , American citizens will find the backbone to start speaking and voicing the same truths.

Well, let the flames begin!   If you liked this post please use the buttons below to email it or put it on your Facebook also.

About time we accept this attitude. We’ve had enough damage to this country by “Political Correctness”

America, Canada, all Europe ….. needs a President like this

Prime Minister Kevin Rudd – Australia

Muslims who want to live under Islamic Sharia law were told on Wednesday to get out of Australia, as the government targeted radicals in a bid to head off potential terror attacks.

Separately, Howard angered some Australian Muslims on Wednesday by saying he supported spy agencies monitoring the nation’s mosques.

Quote: ‘IMMIGRANTS, NOT AUSTRALIANS, MUST ADAPT. Take It Or Leave It. I am tired of this nation worrying about whether we are offending some individual or their culture. Since the terrorist attacks on Bali, we have experienced a surge in patriotism by the majority of Australians.’

‘This culture has been developed over two centuries of struggles, trials and victories by millions of men and women who have sought freedom. We speak mainly ENGLISH, not Spanish, Lebanese, Arabic, Chinese, Japanese, Russian, or any other language. Therefore, if you wish to become part of our society, Learn the Language!’

‘Most Australians believe in God. This is not some Christian, right wing, political push, but a fact, because Christian men and women, on Christian principles, founded this nation, and this is clearly documented. It is certainly appropriate to display it on the walls of our schools. If God offends you, then I suggest you consider another part of the world as your new home, because God is part of our culture.’

‘We will accept your beliefs, and will not question why. All we ask is that you accept ours, and live in harmony and peaceful enjoyment with us.’

‘This is OUR COUNTRY, OUR LAND, and OUR LIFESTYLE, and we will allow you every opportunity to enjoy all this. But once you are done complaining, whining, and griping about Our Flag, Our Pledge, Our Christian beliefs, or Our Way of Life, I highly encourage you take advantage of one other great Australian freedom, THE RIGHT TO LEAVE.’

‘If you aren’t happy here then LEAVE. We didn’t force you to come here. You asked to be here. So accept the country YOU accepted..’

Maybe if we circulate this , American citizens will find the backbone to start speaking and voicing the same truths.

Share this Post

The truth about Millionaires.

Bootstrap, Business, Computers, concepts, Entrepreneurship, how to, Inspiration, Investment, Marketing, MLM, Money, real estate, The World, , , , , , , , ,

Everyone wants to be a millionaire.  I always had it as a goal, a first step.  First I wanted to do it by the time I was 25, then I set it for 30.  Now I have a goal of doing it while I am 35.  But this time I have a firm plan to get there.

First off most people think that if you are one you will be set for life.  In many cases that is correct, but in most cases it took risk to get the million and most people who have it take those same risks and lose it.  There are ways to earn without too much risk, but mostly that is very slow.  Other people simply go crazy, they get the money too easily and spend it all.  Over 80% of lottery winners have a negative net worth just 5 years after they win.  They get this huge lifestyle, and then spend spend spend, and when the money runs out they borrow like crazy.

I personally know a lot of millionaires.  I don’t know of any who made the money trading time for money or having a job.  I know a few who won it, but the VAST majority worked hard, ran a business and invested the profits.  Some are in farming, some are in insurance, other have a business in one form or another but most are in real estate.  And all of the millionaires that I have asked about this invest heavily in real estate.  Time and time I hear that no matter how you make your millions that real estate is the best place to store the money.  Another common factor among those that have made and kept millions is that they live WAY below what you expect.  They drive older cars, they don’t shop at the fancy shops.  Most of them live on less than 60k per year.  That is still 5,000 per month.  While they were making their money they lived on much less.  Those people you see shopping at all the ritzy malls and spending thousands of dollars are usually people who earn a lot, and spend even more and have a negative net worth.

So what does it take to have a net worth over a million dollars.  I define it as all assets, at the price you could sell it for today minus all debt.  It is hard to value a business so I usually set that as valued as 8 times last years earnings as long as you project those earnings to go on.  Using that measure I actually was a millionaire once during the years that my business was really profitable, but I could not project that computers would become a commodity and that my business would start to lose money at huge rates until I was in the hole.

Also you can only grow your net worth from your personal profits each month.  If you have $3,000 in monthly expenses you need to deduct that from your income before you see if you have enough.  For me I have about $3,000 that I must spend each month to stay current.  About half of that is servicing debt, and could be gone if the interest rates were not so low.  If I am starting with a net worth of zero and I want to be a millionaire in 2 years I need to pack away about $42k per MONTH.  That is a crazy number, and that is why people with jobs don’t hit it.  Even if you had 8% interest on your side and you wanted to do it in 10 long years you would need to save over $7,000 per MONTH.  This is why less than 1% of the people are millionaires.  Even if you earned $120k per year and spent only $3k per month it would take you 10 years of constant effort.  The biggest problem is that when you earn that much, you usually hang out with other people who earn that much, and they start talking about their new cars, second homes and their vacations, and you feel “less than” for living on such a meager $3k per month and you can not maintain it.  It is like a bucket with a ton of holes in it, the more water you pour in the faster the holes take it out, and it never really gets full.  So the answer is clearly not a job, even a high paying one.  You have the limit of how much you can earn because of who you work for and with.  So a business is really the only answer, but to have a good business you need to be as good or better than all of the other businesses out there, or you need to have an idea that really sets you apart.  If you have a really great idea that can duplicate all over the world you can even become an instant billionaire.  This is what they folks at YouTube, Facebook and Twitter have done.  The first ones cashed out when the company was only 7 months old.  The second two have yet to cash out, though twitter just sold 2% of the company for $200 million, making the company worth over $10 billion.  But it is hard to come up with such an idea, most usually stumble upon it early.

So now we all have an up hill battle to climb.  So if you want to be a millionaire in 2 years from today you need to come up with an idea that makes you $50k per month on a constant basis.  Or if you want to build and sell a business you need make one that earns $125k-$150k next year, and that number is AFTER your take from the company because the company will need your or someone like you after you sell it.  The way you design a million dollar company is much different than the way you design a company that just pays your bills.

When you are looking for a large net worth you need to keep in mind the laws of large numbers.  One of the easiest ways to get there is to sell a product over and over.  Even if you only make $10 each time you do it, that means that you need to sell 100,000 items.  So plan your business accordingly.  If you need to sell 100,000 items that means that about only one out of every 1,000 households needs to buy your product.  Depending on your product that may mean that only 1% of the population even needs to know about your product.  But to even get 1% penetration may be a hard thing to do.  But one good viral video could do it for you, or one good endorsement.  Thousands have made it rich this way.

You can also get there by helping others reach for their dreams.  Imagine if you could help people earn a living and you got a cut of what they did.  For me this was always by hiring sales people.  I basically would set their wages to where they would get 40% of the profits that they generated.  I would pay for their phone, a place for them to work, I would help them close deals and I would design the products that they sold, I would even pay for them to have a base salary in case sales were slow that week.  The more successful they would be the more successful I would be.  If I have 3 or even 4 of these people it would keep me busy.  Imagine if I had 30 or 40, and if they averaged making $2000 for themselves per month, that means that each one would make me $3000 per month.  That alone is a million in a year!  Becoming a millionaire is REALLY a team sport.  I don’t know anyone who has worked to get a million who did not have a team behind them.  Most people I know help out people all of the time because the more people they help the more they make in the long run.

If you want to make it rich selling something, or helping other people get rich you need a system to manage the entire thing.  A system is really the key.  The good part is with a little math you can start to think about the system now, you can design the system now that will take you to the millions you want to have.  A good system with the right principles will take you there.  Run a simulation on your system, if it does average will it get you to where you want to be, is your system too small?  Is your system too hopeful, does it require that something unknown will happen to catapult you into your success, if that is the case it probably will not happen.  You can’t predict such things.

I really hope this helps you put your dreams in perspective.  And I hope you start to think how duplicating a successful system will get you there.  You need to focus on people, you need to focus on results.  Your plan must have the muscle to get you to your goals.

When you get your millions remember the little guys, remember to give back.  Millionaires are some of the nicest, most humble and most generous people I know.  Most millionaires are not they greedy people the movies and media make them out to be.  They usually are very humble because they know that peopled helped them along the way, and that being nice to people and helping others is the key to their success.  They feel lucky that they made it.

As always, please subscribe, and if you liked this blog please comment, I read them all personally.

Share this Post

Do you respect your money?

concepts, Entrepreneurship, Government, how to, Inspiration, Money, , , , ,

The other day Adrian posted a great blog entry that really got me thinking.  His idea is that the number one most important lesson to be learned by people who want to be rich or be better off is not delayed gratification, not saving, and not any of those other things that all the books tell you.  Instead it is the concept of actually respecting your money.

moneyPlease read his blog, it is good, but I want to take it even farther.  I think that you respect for money is based mostly on what you learned from your parents.  When I say respect I mean that you value money, you value the stuff that you own that you bought with your money.  I have found that most rich people I know have a deep respect for money.  Some of the richest people I know watch where they spend.  They almost never throw anything away, they will have a sale first.  This is not being frugal, these people will invest in very expensive quality items that will give them long term enjoyment and even have a residual value.  They will buy things, but when they do they make sure that they get the best value.  They also think long term, and they look at the total cost of something, including the financing cost.

For years I have been in retail sales, owning my own computer company.  I have always had the hardest negotiation with those that were rich.  They would fight for every dollar to get the best deal, and I would give it to them.  But the people who could barely afford my services would never ask for a discount.  I have had friends who are always out of money, but they would ask me to go out to a restaurant with me and they would spend 2-3 times as much as I did.  I value my money, so I look for the best value when I spend it, at a restaurant that means usually having a coupon and usually I order one large item that will fill me up.  But most people order a smaller item, then the add on the salad, an appetizer and then if that is still not enough they add on dessert.  This same guy also had his car break down, it was going to be 400 to fix it, so he decided that it was time to get a newer car.  He found a car that was worth about $7000 and he bought it from a dealership that caters to people like him, he paid over $11,000 after he traded in his old one, and he agreed to 24% interest.  He did not need this car now, and I had connections he could had used to get it much cheaper BUT he needed it THAT DAY, he could not wait, and he paid the price for it.

Needing gratification now is the KEY that keeps most poor people poor.  Companies know this.  Car dealerships are told to get people to fall in love with the car then tell them that they need to buy it now to get that one.  One of the most profitable segments in our economy right now are the rent to own stores, just pay a bit now and you can take these new items home.  The typical price is about 350% the price you would pay if you just bought it at walmart today.

But the other most common trend among these people is that they never would think of starting their own business.  They usually don’t think about selling their old stuff, they simply give it away.  A friend of mine is in charge of cleaning up houses after they give their keys to the bank, and it is astounding how much stuff of great value they leave behind.  They leave furniture, toys, TV’s, computers, clothes lighting, and boxes and boxes of stuff.  Why did they not sell this stuff, and pay their mortgage…we will never know.

People that respect and value their money are able to live much much longer with out money.  A lot of people who own businesses now are also hurting, they have lost their business, they have lost their credit, yet almost all of them that I know are doing quite well, they manage to find money to pay the bills each month, they sell things, they dabble in freelancing for other companies, they do consulting, but the bottom line is that they do what they need to to keep afloat.  Then I know other people, who have never had that drive, and they sit at home all day playing video games, and they do nothing other than look for handouts.

This fundimental view of money does a lot more than effect our personal lives, it also shapes our nation.  Because the rich and poor spend money so differently they often scratch their head when they look at eachother.  When I had a lot of money, yet I would still buy things on sale, and I drove a modest SUV and such, many people wondered why I did not spend more, why I was also so “cheap”, it was not logical to them.  And then I look at them, and how much they spend when they have nothing and I can’t understand it, it is not logical to me.

To me and others the most frustrating part of people not respecting money is when it is your money that they are not respecting.  At this time our governments are spending money at record levels, our money, and they are doing it with very little respect.  They give money away, they waste money all over the place.  Right now they are spending our kids money, but soon they will start spending ours.  The plan to start taxing energy soon, and many other things.

So think about how much you respect you money.  I would love to hear what you think, please leave a comment.

Share this Post

MLM Math. The numbers behind the eFusjon comp plan.

Business, Computers, concepts, Entrepreneurship, how to, Marketing, MLM, , , , , , ,

When you are looking to join a MLM you may find that some are VERY VERY complex while others are very simple.  Well I love math, and I always lean towards the very simple ones.  Complex MLM’s tend to not do as well as others, and also you never really know if it is all correct.  Some MLM’s are so complex that you are never quite sure what you are going to be getting paid.  I love math and I like to take a company comp plan and test it by pushing it to the max.  With most comp plans it is easier to do that by flipping it over, seeing how much the company has committed to pay out for any one sale.  Next I look at the MLM from a break even point.

So on to the math.  The MLM is called eFusjon.  My first thought was that they could not spell, I even had to Google how to spell it just to write this blog.  First off this business model is unique to anything that I have seen, it is very interesting and it is PURE math.  And I love math.  The way it works is very simple, you get paid $5.27 for each active person that is in your downline.  It is a 3 wide system, you have a left, center and right person.  But this is where it gets interesting, you share your left and right spot with other people who are to the left and right of your sponsor, the first one who fills the spot gets it.  If they put someone in under you then you are paid $1.20 per month on those people.  To be able to earn money you need to have three active people who you personally sponsored, and if they go inactive for 60 days their spot is erased.  The payment goes for 15 levels deep.  So when the whole system is full that means that 15 people are making $5.27 on your order, and as long as you are not in the center that other people get paid $1.20 off of your orders.  From my count this can be a VERY huge number, well if the company had millions of people in it and no one dropped out meaning that you had 15 levels full of people above you there would be (1+2+3+4+5+6+7+8+9+10+11+12+13+14+15) 120 people who get the $1.20 override.  People.

So this means that on a $120 order that the company must pay out as much as $199.05 in commissions.  This is probably why they stopped paying $10 (Personal) and $5 (Sides) like when the company first started, because at that rate they would actually loose money on each order even with only 30,000 people in the company.  Of course a full system is over 100,000 people and only then would they start to pay out such huge numbers, but it will still be only half that get generate that much commissions for their upline.  I figure they need about 500,000 or so members for the system to stop working, and thus for them to be forced to change the system, I predict they will choose to change it once there is about 200k or so people in the company.  That may be some time from now, as there is only 30k at this time.  Also if people drop out that will also make holes in the chart which will also save the company money.  Of course they also need to produce the product for the $120 amount, and pay all of their bills.  One other thing that may save them is the fact that someone must recruit 3 before they get paid, and many never will do that.

The product is an energy drink, and it is healthy, and if I would buy it in the stores I would probably be willing to pay up to $1.50 or even $2.00 for a can, but I am really cheap.  Others would pay $3 with ease for a quality product that does what this does.  So lets say that it is worth $2 a can.  Well their price, with shipping and other fees is $166, for 48 cans.  So in my book you are getting $96 in product and paying $70 to participate in the MLM.  Now with a payback of about $5 for each person on your team you need 14 people to break even.  But it is much easier, because your upline can only put three people under each person so they must put people under you, and you get the full $5 for people in your direct upline, and $1.20 for people from the sides.  So if you find an active team you can quickly be in positive range.  If you find a superstar who can bring in 100 people in a short time then you would be making $500 a month.

So after looking at all of this, and crunching the numbers it all comes down to the team you are joining, and how many people you think you can bring in yourself.  So I looked at that.  The team that was showing me this has been in the company for less than 45 days, and they already have over 850 people.  They 2.8% of the entire company, and they are a group of builders that should have no problem putting in a 100’s per month.  Next the my good friend Fred was going to be directly above me, and he put in over 80 people in his last MLM in only 3 months, and that MLM was much harder to put people into.  Next I looked at the people I know, and how it would be easy to put at least a dozen of them in, and then they will put people in also, building a large group.  I know I need 14 people to make it even in my mind.  And with all of this I figured that 14 would be easy to get, I can probably even do it this month.  I need 32 to make this business totally free, and I think I can do that in the second month.  So I made the leap and I joined.  Most MLMs are built on math but most people who join them never look at the math.  I have looked at over 20 MLMs in the last 2 years and I have only joined 3 of them, simply because the math did not work on the others.  On those other ones there was no component of your upline building your team so on those I did not make money.   If you want to join in on my team will also receive the benefit of all of this, CLICK HERE to sign up, we will help you build into profitability ASAP.

I try to keep my personal brand to be that of Emerald Computers, the company that feeds me and pays my bills.  Most of the time that is all that I mention to people.   When I was looking at the math for efusjon I also took Emerald Computers into consideration, and that I may be able to sell computers, services, or websites to many of these people because of the fact that this company is very heavy into online marketing.  This made it a very easy decision, just from the few people there I already made two new clients who I should see this week.

One more final thought, another interesting part of this companies comp plan is the fact that you can sign up again and again under yourself.  So you can go a few levels, then you see a superstar, so you join again, and now you are double dipping, getting paid twice on their team.  It costs you $150 each month for each position so if you can create locations that pay more than that per month it is to your benefit to do so.  Plus you get more product to use.

I hope this helps, and I welcome any and all comments.

Share this Post

The Generation Gap and the Church

concepts, how to, Inspiration, The World, , , , , , , , , , , , , ,

That is a huge and growing Generation Gap in the United States.  They have been talking about this at church recently.  About how there is a “Missing” Generation in the churches of America.  How people from 19 years old until 35 are vastly underrepresented.  I am in that group, and I agree, we are vastly underrepresented.

A Quick Warning: This blog entry will be about averages and the groups as a whole, there will always be exceptions to every case but generally the following is true.  I deal with the general public all of the time and I have had friends of many different ages.  I will use the way a church operates during this entry to show the differences.   Watch this video to see facts about the world you may not know.  [youtube=http://www.youtube.com/watch?v=jpEnFwiqdx8]

The older generation simply does a poor job of relating to our generation.  There are some fundamental ways that we think differently, and these differences get in the way often.

Interactive vs Broadcast

To me the most profound difference is the way that we interact with other people and with the world.  For most of those over the age of 35 the world was mostly a broadcast world.  People made TV Shows, made newspapers, books, and gave sermons, and you sat there and watched or listened.  You appreciated what was going on and that was it.

But the mindset of the people under the age of 35 is an interactive one.  We grew up with video games and soon after computers.  We decided what we would watch, what we would listen to, and when.  We want the world to work together.  In corporate America this has created the power of teams, almost every successful business puts people in my generation in teams, and empowers those teams to make some decisions.  This is why the most successful show on tv is American Idol, we want to vote to see who stays on.  We have YouTube and Video On Demand, so we can watch anything we want on out time table.

The successful church must realize that for people in this generation the Sermon is just the introduction to the conversation, and they must make ways for the conversation to go on and to get the input When they don’t we simply feel frustrated.  Our generation is very tech savvy so even if they brought the conversation online afterward it would much better than the way it is cut off now.   The older generation is done, and ready to move on.  The successful churches introduce the topic and start the discussion online days before the sermon on the pastors blog, and comments are posted and replied to, so when the sermon comes on sunday my generation is excited to go and see it to see if what we said made a difference, it makes us hunger for it and we are sure to attend. I am talking about much more than just saying Amen here and there.  Actually that looks kinda fake to us.  I often feel like a pastor is up there trying to answer all of the questions that he thinks that the audience may have but never bothers to ask them what their questions are.

Values

On Tuesday night on ABC they have a show called “What would you do”, it is basically a hidden camera show where they set up situations to test peoples ethics.  On the show they said that one of my generations main values is the Value of Tolerance.   Our generation is very diverse, and people often express their thoughts by how they dress.  I really don’t think that the older generations gets that we really don’t care that much on how you dress.  We will take how you look and make some preconceived notions but if your actions are different we quickly can change that.  Who cares how you look, it is about who you are.  I think that much of this comes from the fact that successful people in our generation come with all sorts of different looks and different backgrounds.  I basically will treat you the same if you wear a suit, or if you wear torn shorts and a old raged shirt as long as you act the same.  I think that much of this also comes from the fact that we carry on most of our relationships online or on the phone.  I have people I have talked to for hundreds of hours over a period of more than 5 years, who I have done business with, who I joke with and have tried to inspire and build a relationship, but whom I have NEVER met in person and never even seen a photo.  I think that concept is totally foreign to people in older generations.

Another main value of my generation is Truth.  Being real, being authentic.  I think that we are much harder to offend than people of older generations.  We want to get to the point, to get real.  The point where it starts to get good for us is well past the point where older people get offended.  One thing I find very lame in church is that pastors stop way too early, they stop before they get to the meat, or the truth because if they do keep going on someone may get offended and walk away, but in doing this they look weak to our generation, unwilling to be authentic for fear of what others may think.  Remember that our generation is the generation of tolerance, and because of that we are hard to offend, plus we have seen it all and heard it all on TV and on our computers.  For us it is about community, we know that no church is perfect, and no church leader is perfect, and that it is OK to have opinions that are different than the leaders.  Older people want to find the church leader that thinks exactly like them, and for this reason the leaders usually are reluctant to take a stand, this keeps the older generation from leaving but it looks completely fake to my generation and turns us off.

One huge value of older folks is that of Authority.  But to us we know that the world has become interactive, and that for many decades we have been betrayed by authority giving false information, and because of this we doubt everything.  For the boomers you just tell them that something is true and they run with it, but we research it, we have Goggle at our fingertips and we use it, 23 Billions times a month on average.   We know that big companies can have no web site at all and we know that a guy running a business in his underwear in his dining room can have an impressive and huge website.  We know that some crazy person can edit Wikipedia and change the information you are reading.  We also know that an unknown with a good idea can publish it and have a million readers in a few days.  For most of us there is no ultimate authority or truth, it is just millions of interpretations of truth.  This is the very reason that it so very hard for the church to reach us.  First there is only a broadcast, no conversation, and when they broadcast they tell us what is their truth, but their truth is different from what others have said and they do little to prove their truth.  They read something out of the bible to people who may not truly believe the bible is truth, they have heard so much that discredits it.  Again this is why a conversation works much better than a broadcast.

Another value of our generation is that of Equality and fairness.  Most of us believe that everyone should have an equal chance at success, that we should all have a say in things.  We all want a turn to share what we know, we want to be empowered.  In business school there were a lot of good lessons, and one that stuck with me the most is delegation.  First if you are a leader you need to delegate as much as you can, you cast the purpose and vision of the company and then delegate to smart people who have bought into that vision and give them the power and freedom to do what it takes to make you successful and the results will always be more than you ever thought it could be.  If we don’t know the WHY to a task, and how our efforts fit into the big picture than we feel like what we do is not so important so we just don’t do it.

[youtube=http://www.youtube.com/watch?v=ODQ4WiDsEBQ]  Another virtue of our generation, and one that has caused some of the largest generation conflicts is the Ubuntu concept.  People in my generation see the world as one huge mass of humanity.  We should be helpful to others, we should share with others, we should build a community of caring, trust and unselfishness.  An African word has been used for many decades to express this concept, that word is Ubuntu.  Recently a group of programmers took this concept and named their operating system after it, because they built their entire OS on this concept of community.   They call the OS Ubuntu, in a few short years it is already better than windows, and as more things work with it it is gaining market share, recently passing the Mac OS as the second most used OS, and I think that it will overtake Windows as the most popular OS in the world in the next decade.   People in my generation make stuff so that it can be useful to others, and we don’t care if they use those things, and for the same reason we don’t ask if we can use what you made, we download your music, and your movies and use them however we see fit.  An open society is in direct conflict with the current system of copyrights.  Some smart companies are releasing their content to the web, and letting people change it and build on it, making those companies totally hip and cool.  While other go after and sue people who do the exact same thing, GM recently after people liked one of their commercials so much that it was posted on youtube and 3 million people viewed it, then they sued to take it down, are they that dumb.  (Well I did see their stock price recently so I guess that is my answer.)

We are used to information on demand.  I can access more information from my desk in 20 minutes than what would take a whole day in the library of congress just 20 years ago.  We are a generation that is flooded with information and rich content, but at the same time we yearn for a real human connection.  We don’t just want to sit in a lecture but we want to be part of the conversation and push it forward.

Final Thoughts

There is a verse in the bible that goes “Teach a child in the way he should go and he will not depart.”  By the time someone turns 21 they have formed 95% of their habits, and generally decided where their life is going.  For 100’s of years church was the center of society, but in the 1960’s it started to fade, there was a leadership crisis and for the first time the population as a whole doubted if we would be involved in a war.  Until the 1950’s most expression was banned, and by the 1960’s it was unleashed, and there was a new culture that was raised up, one without God at the center.  The people who were teens during this time did not go to church much and did not make it important to their kids.  The concept of church lost critical mass, it was very uncool to go to church.  Almost everyone that I know under the age of 35 is in church because they grew up in church, very few found church later on.  Now we have millions of “Unchurched” in our generation, many have never been to church or when they did they felt like they went to a lecture, they made no connection, they felt like they had no say in anything so they just never went back, and they took that opinion with them.

To reach these people is a very hard task now, because they feel that they are doing fine now, and that they don’t need God.  Many churches express God like a Magic Gene who solves all of your problems.  My current church is not like this but many churches I have visited basically have the same theme over and over, “Life is hard, life is tough, the world is unfair and against you and you need to make God part of your life so he can fix it.”  I hate it when I hear people say this.  To my generation life is awesome and great, we have more at our finger tips now than even existed for our parents, we are generally happy with out lot in life.  The message that would work for us is this “God can be your best friend, he will help you when you need it and celebrate with you when you do good, he has great plans for your future, full of hope and success.  The better you follow His advice the closer you will get to His vision for you life.  Join us and you will have an entire community at your side working to make God will happen in your life.”  Too bad few churches today are preaching this.  I love how we say in our church “Success to you and Success to the kingdom of God”  Because that is really what it is all about, lining up our definition of success with that of what will create success in the kingdom and then going for it.

The church that successfully reaches my generation will be the one that speaks the truth holding nothing back, allows us to participate in the conversation, allows us to discover what is truth, and allows us to all work together to build a community, getting rid of the idea of leaders and followers.

What is in a techs mind when they work on a problem?

Computers, how to, Internet, , , , , , , , , ,

I don’t know in the startup, reboot, same problem. Check the other computer on the router, works perfect. Downloading Firefox on good computer, putting it on thumb drive and loading it on broken computer. Still does not work. Still able to ping google. Resetting all internet settings, no luck. Turning off wireless and using Cat5 cable. Still pings google, but browser does not work. Going back to wireless. Hmmm, what is next?

Let me take the computer home and try it on my home router. OK same thing. Lets try to browse the network, ok this does NOT work either. OK time fore more software. Lets see what HijackThis says. Well two things I see really quick… IERESET.INF with a ton of options that are not so good, also some DLASX_W.DLL, used for a dlink wireless the client tried to get working before I came over. I am going to remove everything other than Norton and Google toolbar. Lets reboot. Same thing. Ok let’s use google to find out more ideas. Running the reset command on the TCP/IP connection. Still broken. Reboot, still broken. OK, resetting the DNS. No help. Is it just port 80, hmm lets test some other program, does RDC work…no, ok so more ports.

Now looking for a tool to reset winsock, ok found a great one, let me pop in my thumb drive. Oops electric shock, blue screen, just rebooted my main computer. Uggg. Well now it is time to install that new DVD burner I bought the other day. Ok done, all up again. OK running the winsock reset, reboot, ping works, ugg browser still broken. This is getting very lame. OK I have some reg tools but I never had them fix much, but worth a try now, we are desperate. Running RegCure, found 894 errors and fixed them. Broken, rebooting, still broken, as expected.

Well I know it is software, but lets see if an Ubuntu live CD will work on this, plus I can test my new burner. The new burner is very fast, only 2:44 to burn, about 2 min faster than my old one. While burning I typed net view, and got error 6118, let me look into that. Nothing really there for browser problems. Did a search for the firefox error message “Though the site seems valid, the browser was unable to establish a connection.” And I got a large number of good information. A bit more research and it seems that Norton has caused this problem for other people, so let me download the Norton removal tool and see if that helps. This is most hopeful I have been that we have a solution, but it is taking forever to do. Ok, done, rebooting, crossing fingers. Yippie, it worked. Stupid Norton, I always hated that thing. So cool now.

Wow, I knew I would get it eventually, but that took a long time. It totally works now, just tested everything out, no problems. I am now installing AVG so the client has a bit of AV protection. Also going to run Windows Update, he has been offline for months with this problem.  Never got to try Ubuntu on this one.

I have had similar problems in the past, and it seems that it was a different fix each time. But if you found this blog because you had the problem listed above try some of the things here, it may just work.

CLICK HERE for the removal tool I used to remove norton.

CLICK HERE for the winsock reset tool.

My very steep mountain I plan to climb. (My Mission in life)

Bootstrap, Business, Computers, concepts, Entrepreneurship, how to, Inspiration, Investment, Money, real estate, The World, , , , , , , , , , , , , , ,

This entry is about my mission in life, and my mindset right now.

My goal, is to be very wealthy.  I don’t really have a personal need to be wealthy but I have felt for a long time now that it is my calling in life to be so.  The reason for this is that I can help many people out, so that I can leave a legacy for my children and their children and to help the Kingdom of God in all of this.  I want to be the one who builds schools, churches, community housing projects and so on.  I have had a desire for this for many years but have gotten distracted a few time.  Now I feel like I am behind schedule, I have this huge goal and to accomplish it I need to act now and act aggressively.  I need to have a very steep slope to my net worth mountain.

The good news is that in times like this, with economic turmoil and such it is actually easier for a smart person who sees the trends to gain massive wealth.  I can buy stocks in good companies for huge discounts.  I can buy houses for cents on the dollar.  These things will always rebound, they may take some time but they will.  I can take advantage of the huge wave of people who are eager to snatch onto the dream of finally being their own boss, I can consult with them and make tools for them to get there easier, because I have been there my whole life.  Of course I will charge for this service.

My goal is to have a net worth of $5 million dollars by the time I am 40 years old, and $10m by the time I am 45.  (I am 33 now)  I will consider any donations I have made to be part of my net worth.  To get there I would need to earn a huge amount of money.  I will invest most of that money until I get to my goal.  This is a very steep mountain to climb.  I have made money at this rate in the past buy I grew my company too fast and trusted people who screwed me and soon I was bleeding 10k+ per month.  I have learned that lesson but I do know that I can not do all of this myself.  I need to use other peoples money and other peoples time to get to where I need to be.  If I do everything that needs to be done I will never make it, never even get close, I have to hire others to join me.  For over 10 years now I have always had at least a few people who work for me, people who I can call when I make a sale.

So to make this goal I need to really start to climb, to earn huge amounts of money.  Well that is actually much easier than you may think it is.  There is more opportunity now simply because the market is totally inefficient right now.  This means that prices are all over the place for the same item, mostly caused by crazy desperate people who are selling things at fire sale prices.  This lets us take advantage of research and work to find the best price on something and sell it to someone who does not do the research.  This can be done on houses, cars, computers, information, labor, and almost anything else that can be bought and sold.   You can buy cars for $5k that sell for $10k the next week.  You can buy houses for 20k that were once worth 200k and sell them for 80k with ease.   I just bought over $1500 in computer parts from a guy for $100 simply because he got them from a guy who went out of business and had no idea what they were worth.  Money is just sitting there everywhere waiting for someone to pick it up.

Right now is the best time I have ever seen in my life to buy Real Estate, and probably the best time there will be.  You can buy a house now for such a low price that you can rent it out and have the rental payments cover the entire cost in under 5 years.  You can then hold on to these houses for 10 years and sell it for many times the purchase price.  This is the main way I plan to make my long term money, but I need to fund this with short term money.  My plan for this is to sell websites, sell business opportunities, such as this one or this one.  I have another huge idea in the works that I think will make a million dollars in the next 3 years as long as it is done right.  I need all of this because I have a high goal.

Mindset is Key.  mindset

Less than half of a percent of the population in the US has a net worth over $1 million dollars, and with the current market that number is falling.  Most of the population is deep in debt and the ones that are not don’t have a huge net worth.  Most people simply do not posses the entrepreneurial spirit, they do not have the mindsets required.  They do not even have this as a goal.  There is probably less than 2% of the population that is serious about being an entrepreneur, about being truly wealthy and free.  For me and these others like me we must have a different mindset from the rest of the world.  What works for the normal, happy to have a job, people in this world actually hurts us.  And what works for us does not work for them.

There is about 10% of the population that thinks that they are an entrepreneur, people who have gone out and created for themselves a business, or they dabble on the side trying to run a small home based business but most of these do not have the correct mindset.  They simply do not see it.  For years many of my friends have fallen into this group, and for years I have talked to them, tried to show them the way.  Given them books on the subject like the awesome E-Myth by Michael Gerber.  All with very little result, they almost never get it, and they just can’t figure out why even when I tell them directly, so for the most part I have stopped.  I love to deal with the people who have the right mindset already.  You can tell someone simply does not get it when they keep saying “You can’t do that” but in reality there is very little we can not do.  We can buy houses for 10 cents on the dollar and not use one cent of our own money, we can sell a service to a client for one price and then hire someone else to perform that service for a much lower, yet still fair price.  We can do something once and get paid for that work for a long time to come.

entrepreneurTo have the correct mindset you must realize that there are different rules for us.  I have found that people like Donald Trump, Robert Kiyosaki, Ric Edelman, Dean Graziosi and Adrian Cartwood can equip you with the correct mindset.   For the other people who are not entrepreneurial they can listen to people like Suzy Orman, Clark Howard and David Ramsey but for us much of the information they say is toxic to our mindset.  They focus on what to do with the money that you earn, how to divide it, how to save it and such, and they focus very LITTLE on simply making more.   They focus on how you should not used debt at all.  I agree with all of this for “normal” people.  I think that normal people should only take on debt to go to college and buy a meager house, and maybe to buy a first car.   They should save their money for retirement and live a very frugal life.  They should max out their 401k and invest in mutual funds.  (For all people even these I strongly suggest that they separate their home equity from their home, it make much more sense.)

But for us E-Type people this is crazy talk.  I know I can do much better in life than that sort of existence.  If we have a good idea we should borrow to make it happen if we don’t have the resources ourselves.  We should keep an eye out for the needs of others and look for ways to fill those needs.  We should delegate anything that we can to free up our time to focus on growing our business.   We should focus on increasing our income 10 times as much as we focus on where it all goes.

E-Type people should give away money with abandon to worth causes.  I personally believe in Christian education and I help out many children go to private Christian schools, third world children who would not have a good education if I did not help out, now they have a chance to be something great in the future.  Almost every millionaire I know gives away more money per year that most people earn.  I remember a few years ago my Grandfather walked into his local church and gave them $100,000, just a few months before he died.  I remember growing up with my uncle and seeing him write checks for $5,000 when a missionary came to his local church.  I remember he would always give us $10 or so every time the offering came by and we would dump it in, teaching us to give.  I have a good friend locally who makes over $50k a month and gives over $10k of that away each month.    We are blessed to be a blessing, the more you send out the more you will get — people just don’t get it.

Final Thoughts

I really hope that you have gotten inspired by all of this.  I was inspired by the 7m7y project recently.  And just this week by two other great guys.  We really