Investment Fundamentals
There Astronomers
Investment
Fundamentals put together by Laintal (Edwin)
Find out the latest news + information in the Investment world.
My
Poor Dad Said… My Rich Dad Said…
“I
Work for My Money” “My Money Works for Me”
My
Poor Dad Said…
My Rich Dad Said…
“I
Can’t Afford It”
“How Can I Afford It”
“I’m
not Interested In Money” “Money
is power”
“Don't
take risks"
“Learn
how to manage risk”
I
had two dads - a rich one and a poor one.
“I
Work for My Money”
“My Money Works for Me”
My other dad never finished the eighth grade.
Both men were successful in their careers, working hard all their lives. Both
earned substantial incomes.
Yet one dad struggled financially all his life and the other dad would become
one of the richest men in Hawaii.
One died leaving tens of millions of dollars to his family, charities, and his
church. The other left a legacy of unpaid bills.
Both men were strong, charismatic, and influential. Both men offered me advice,
but they did not advise the same things.
“I
Can't Afford It”
“How Can I Afford It”
Having two dads as advisors
offered me the perspective of contrasting points of view: one of a rich man and
one of a poor man. The problem was that my rich dad was not yet rich, and my
poor dad not yet poor. Both were just starting out in their careers; both were
struggling with money and families.
But, regardless of those facts, both had very different points of view on the
subject of money.
One dad would say, "The love of money is the root of all evil." The
other, "The lack of money is the root of all evil." Having two dads -
and loving them both - forced me to think about, and ultimately choose, a way of
thinking for myself.
I had to think about each dad's advice and, in doing so, gained valuable
insights into the power and effect of one's thoughts on one's life. For example:
My poor dad had a habit of saying, "I can't afford it." My rich dad
forbade those words to be used. He insisted that I say, "How can I afford
it?" One is a statement, the other a question. One lets you off the hook;
the other forces you to think. My rich dad would explain that by automatically
saying the words "I can't afford it" your brain stops working. By
asking the question "How can I afford it?" your brain is put to work.
“I’m
not Interested In Money” “Money is power”
My
rich dad did not mean 'buy everything you wanted.' He was, though, fanatical
about exercising your mind – the most powerful computer in the world. My rich
dad said: "My brain gets stronger every day because I exercise it. The
stronger it gets, the more money I can make." He believed that
automatically saying "I can't afford it" was a sign of mental
laziness.
Although both dads worked hard, I noticed that my Poor Dad had a habit of
putting his brain to sleep when it came to money matters. My Rich Dad, on the
other hand, made a habit of exercising his brain. The long-term result was that
one dad grew stronger financially and the other grew weaker.
“Pay
myself last”
“Paid Myself First”
Being
a product of two strong dads allowed me the luxury of observing the effects that
different thoughts have on one's life. I noticed that people really do shape
their lives through their thoughts.
The
power of our thoughts may never be measured or appreciated, but it became
obvious to me as a young boy that there was value and power in being aware of my
thoughts and how I expressed myself. I noticed that my poor dad was poor not
because of the amount of money he earned – which was significant – but
because of his thoughts and actions. As a young boy having two fathers I became
acutely aware of being careful in deciding which thoughts I chose to adopt as my
own and to whom should I listen – my rich dad or my poor dad?
At
the age of nine I decided to listen to and learn from my rich dad about money.
In doing so, I chose not to listen to my poor dad – my real dad – even
though he was the one with all the college degrees.
One
of my dads is a multi-millionaire. The other is a poor man. Why? Very simply, it
comes down to their respective attitudes toward money and life. Take a look at
the differences... and think about where you fit...
Understanding the difference
in attitudes between rich dad and poor dad – is essential to taking the first
steps to financial freedom.
For a comprehensive look at how to battle the Poor Dad mentality and adopt the
Rich Dad state of mind, learn more about the tools we offer to help you on your
journey to financial freedom.
The
Rich Dad mission is one of education and empowerment.
Knowledge is, indeed, power and Rich Dad is committed to improving the awareness
of and opportunities for improved financial literacy for adults and children
around the world.
Unleashing the human spirit
Rich Dad believes in the potential of the human spirit – and is dedicated to
unleashing it! It is only through awareness, education, and action that people
everywhere can take control of their lives and make the choices that will enable
them to become financially free.
Messages of hope and courage
The mission of Rich Dad is one of hope and courage – courage to question and
challenge the status quo and to refuse to accept "traditional"
thinking and answers as fact.
Rich Dad's messages are for the masses – for every bit of knowledge that will
enhance our financial literacy can impact our lives – but the life-long
Journey to true financial freedom is only chosen by a few. It is offered to
everyone, everyone with the courage to believe that it is achievable, but not
everyone will make the commitment and take the action that results in true
change.
If nothing changes... nothing changes
And change is what it will take. Changes in long-held beliefs of what it takes
to be 'successful' in business and in life and changes in how we evaluate the
"advice" of those we've been conditioned to 'trust.' Changes in how we
think, in how we choose, in how we evaluate opportunities.
Rich Dad's mission is to shape a new context for the "new rules" that
apply to money and the role it plays in our lives. This context shift may
require changes.
Life-changing rewards
If this seems uncomfortable... well... it may well be. Change is seldom easy.
But the rewards are life-changing. And we all know the grains of truth in the
old adage: 'If nothing changes, nothing changes.'
Your Rich Dad Journey...
You'll be among friends on your Journey with Rich Dad, kindred spirits who share
your passion for knowledge and your goals for the future. The Rich Dad community
is a diverse and empowered global network of families and individuals committed
to a better life.
At the very least, the heightened financial literacy advocated in the Rich Dad
messages can help individuals make better choices in how they earn and spend
money; At its best it will elevate individuals to levels of financial
independence that they had only imagined.
The Spirit of Rich Dad...
Generosity is key to the Rich Dad philosophy: we get rich by being generous.
Believing that we can become free from financial fears and worries awakens us to
the roles all of us can play in supporting organizations and programs within our
communities whose work betters our world.
Investing
and Wealth Raito From Edwin:
“How
do I work out my wealth Raito?”
Wealth
Ratio Formula
Monthly
Passive Income + Monthly Portfolio Income / by your total Monthly Expenses
Essentially
this means, your money working for you divided by your current expenses, usually
worked out on a monthly basis. A wealth Ratio of 0% or 0 means that you have no
passive or Portfolio income. A ratio of between 0 to 0.99 places you in the
“Rat Race” while a Ratio of 100% or 1 would place you in the Fast Track your
Total passive and portfolio income would = your total expenses. A ratio of
1,2,10 or more would well and truly place you in the fast track! A ratio in the
negatives (eg –5% or –0.05 or worse) and you would have serious problems! It
would show up on your balance sheet as a negative “Monthly Cashflow” figure.
A good way of working this out is using excel. You can have your balance sheet setup in excel and it can automatically work out your wealth ratio. If you need a balance sheet I can send you one through e-mail, you will then need to change it to reflect your personal situation.
“Pay
myself last”
“Paid Myself First”
Rich dad says, "If you stop working today, an asset puts money in your pocket and a liability takes money from your pocket. Too often people call liabilities assets. It's important to know the difference between the two.
“The Reason I'm not rich is because I have you Kids"
My Rich Dad Said…
“The Reason I must be rich is because I have you kids"
Poor Dad Thought that making more money would solve his financial problem. Rich Dad Knew that financial education was the answer to his financial problems: "It's not how much money you make that's important – it's how much money you keep and how long you keep it."
“My house is an asset"
My Rich Dad Said…
“My House is a Liability"
The statement "I can't afford it" shuts down your thinking. By asking the right question, you mind opens up and looks for answers.
“When it comes to money, play it safe - Don't take risks"
My Rich Dad Said…
“Learn how to manage risk"
Poor Dad believed that the company you worked for or the government should take care of your financial needs. Rich Dad Believed in financial self-reliance and financial responsibility.
“Can you change your reality too see through the looking glass?”
"The
things you own end up owning you"
“You
as the Manager of your life need to keep track of your ratios and how well
you’re doing”
Thanks
Edwin
Jamie
Mcintyre
This
makes really good reading. I went and saw Jamie M at one of his seminars in
Wellington in Oct 2002. Was really good seeing him live and his talk was
excellent! I had a chance afterwards to talk to him directly for 20mins which
was great as well!
I
have read this myself and found it to be really interesting have a look and
learn for your self.
Edwin
“My
friends laughed at me when I told them I was going to become
a
self made millionaire…”
Take
this opportunity to meet a young Australian who went from well below zero to a
self made millionaire in just over three years, simply by learning to develop
the mindset of a millionaire and applying the newest and most exciting financial
strategies available today. The great news for you is that this dynamic young
man is determined to help you do exactly the same. He believes this type of
information has been deliberately kept a secret, keeping many Australians
constrained to a job and a slave to the banks. Therefore he is passionate about
ensuring the average Australian finds out about it. So if you would like to
learn how to excel in the 21st Century and create your ideal life by making
money while you sleep then read on…
IF
IT'S THAT EASY TO BECOME RICH THEN WHY ISN'T EVERYONE RICH?
Why is it that in what we term "the lucky country" most people don't
make it? The World Bank once considered Australia to be the wealthiest nation on
the planet per capita. Unfortunately, now the standard of living in Australia is
dropping rapidly. With the wealth though that still exists in our country today,
why is it that so few Australians get to share in it? What is going on that
limits us to sharing in only a fraction of this country's wealth, and what can
we do about it? When Jamie McIntyre was dead broke and sleeping on a friend's
couch, he had time to contemplate about his life and the world around him.
Jamie
was curious about why there are some people who start with nothing and manage to
become millionaires, while there are others, who seem much more intelligent,
often with a higher education, yet in terms of financial success, fail and their
lives are filled with hard work and struggle.
What
is the difference between the people that succeed and those that don't? Is it a
matter of luck that some people acquire great wealth? Perhaps these people buy
more lotto tickets, they marry into money or inherit it. Or is there a little
bit more to it than that?
THE
FORMULA FOR FAILURE
To
find out why most people were failing in life, Jamie began to look at the path
that most people are on; he realized that most people were taught to go to
school, get a good education and then work long and hard until retirement. It's
interesting to note that the Australian Bureau of Statistics (ABS) shows that
96% of the population at the age of 65 end up dead, dead broke or on a pension
or need their family to support them to survive. These are the same people that
are following this so-called "success" formula of go to school, get a
good education, work hard and hope to retire to the so called good life.
Only
4% of the population become what we call financially independent, which means
that at age 65 they are able to stop working, but continue to live in a basic
manner. It doesn't mean they're rich. It just means they have enough money to
support themselves, usually less than $35,000 p.a.
1%
of the population at age 65 will become what we call "rich". The ABS
classifies "rich" as having a net worth in excess of $1 million
dollars. There are nearly 200,000 millionaires in Australia, but even then, do
these people necessarily have the lifestyle associated with a
"millionaire"? Many of these millionaires have earned the title
because their property is worth a million dollars. These are the millionaires
that still lack time and money and unfortunately for them TIME + MONEY =
LIFESTYLE and they fail to have both
It's
clear that this so-called "success" formula that most of us have been
taught isn't working. Should we look at this as evidence that it's highly
unlikely that we're going to succeed and say "What's the point of really
trying? The people making it must be really, really lucky." That's what
most people would do, but you'll find out that Jamie isn't like most people!
THE
LAW OF OPPOSITES
Jamie
began to look for role models or mentors who had succeeded in the areas he
wanted to. He realized that he needed to have mentors that had produced
phenomenal results in their life. One of these mentors shared a major success
secret with him and that was "If you want to succeed, you need to figure
out what most Australians are doing and do the exact opposite." Jamie calls
this the "Law of Opposites". Once you start using this formula, the
decisions you need to make in order to succeed, become simpler and more
clear-cut. Apart from the information these mentors shared with Jamie, they also
impressed upon him that he needed to act on the information they gave him. Jamie
says "You may think that information is power, but until you take action on
that information, nothing will happen. Once you learn how to apply the
information and do so, your life will begin to improve faster than you ever
thought possible!"
Financial
success isn't just about making money; it's what you do with your money that
counts. Jamie learned how to keep that money, manage his cashflow and turn that
money into more money. In other words, learn how to make money even without any,
ideally having it come in while you're sleeping. Because once you can do that
you can free up your time and have the lifestyle you choose and get on with
living your purpose and spending time doing the most important things in your
life.
Many
people also feel guilty about being wealthy. Jamie did, until he realized that
it's possible to become wealthy by helping others he could feel good about it,
and still grow spiritually as a person by ensuring he applied universal laws and
principles and abided by the laws of Karma.
When
you look at the universe, or physical plane you can understand that it wasn't
designed for only a few people to be rich. If we divided all the wealth up in
the world, among all the people, in fact, everyone would be a millionaire. The
systems though have been designed so that only a few people have the wealth. To
pull yourself out of the systems you need to put in a certain amount of energy,
have focus and apply effective and proven financial strategies to break free.
DID
YOU RECEIVE A 21st CENTURY EDUCATION AT SCHOOL OR UNIVERSITY?
If
you're like the majority of Australians the answer would be no.
"Rich
Dad, Poor Dad"
Jamie
realized that if the school system isn't teaching people how to succeed, then
how will people ever live their dreams? If you've haven't already read a book
called, "Rich Dad, Poor Dad", by Robert Kiyosaki, then it's highly
recommend you get yourself a copy. Most people would agree it's a good start on
the subject of money. What the author talks about is that school is designed to
teach us how to work for money. In other words, we're taught how to get a job.
Nowhere in our school life are we taught how to have money work for us to give
us our much wanted freedom.
In
other words, we're taught only one part of the equation and not the other. The
concept of how to have money work for us could be taught to 10 year olds at
primary school in probably a two to three hour session. It would make a big
difference in their life. Jamie believes our education system has planted seeds
of failure, frustration and financial disaster in our societies."
Unfortunately we see evidence of it everyday?
"If
you want to be rich and happy don't go to school" became an international
best-seller by really challenging people to question the value of our own
education system and ask, "If the education system is so great, why then do
most people end up as dismal failures in their life?" Wouldn't you agree
that it's a fair enough question? Jamie identified that our education system is
often outdated. It was designed two hundred years ago in the 19th century. So
immediately we can see a challenge with that?
If
most people have an outdated education how do they expect to excel in the 21st
century? Jamie began to see the need for a 21st Century Education in his life
and actually searched and traveled the world to compile and develop for himself
an education that would have him excel in today’s fast changing world. Because
no such university existed to teach such a valuable and much needed education
Jamie had to invest over $100,000 over a three year period to access people who
had produced outstanding results in different aspects of their lives. Studying
through expensive seminars, personal mentors, interviewing successful people
researching hundreds of books, basically whatever it took. His research paid off
though as Jamie's life completely transformed over a period of three years from
being $150,000 in personal debt to becoming a self-made millionaire whilst still
in his twenties. Founding several companies, massively improving his health and
importantly relationships to live his dream life. He was able to model and learn
off multi-millionaires, entrepreneurs, investors and even highly acclaimed
success coaches and presidential advisors such as Anthony Robbins. World
renowned economists and presidential advisor, Paul Zane Pilzer. Leaders such as
Norman Schwarzkopf, Desert Storm, and Marketing gurus such as Jay Abrahams.
After producing outstanding results in many areas of his life Jamie decided to
fulfull one of his promises to one of his personal mentors and that was he would
help Jamie transform his life on the condition he would pass on the knowledge
and strategies to others after he had successfully applied it to his life and
proved they worked. This is how 21st Century Academy was born some two and a
half years ago after Jamie had achieved his desired results, which has now
become a multi-million dollar educational organization impacting thousands of
Australians lives providing a 21st Century education that Jamie designed to
educate others. The Academy has grown to in excess of 25 full-time staff and
directly associated companies employ in excess of 70 people and continuing to
grow rapidly.
The
Academy runs seminars and home study programs to teach everyday Australians how
to become successful in all areas of their life using 21st Century strategies
and skills that Jamie and others have successfully used to transform their
lives.
So
what exactly is a 21st Century Education?
Jamie says there are five major parts to a 21st Century Education:
1.
EMOTIONAL INTELLIGENCE
Emotional Intelligence is the ability to consciously respond to a situation,
rather than react under the influence of your emotions at the time.
Unfortunately we cannot control everything that happens in the world, but we can
control our reactions to events and this is the key to getting what we want.
If
we're going to be emotionally intelligent human beings and improve our chances
of being successful in the things we want most, then rather than reacting
unconsciously, we can learn to do the opposite of what most people do, and that
is to make a conscious decision on how we will respond to any given situation.
To avoid being devastated or disempowered by life, quitting too soon or
procrastinating too long and failing to take the necessary actions that would
lead us to success.
2.
FINANCIAL INTELLIGENCE
Without Financial Intelligence we are forced to follow the path that most people
take and we've seen that it very often leads to financial disaster. Jamie knows,
from his own experience, that if you want to excel in the 21st Century you need
to have money work for you, not just work for money.
Schools,
unfortunately don't teach us how to do that. For example, if every Australian
was given $10,000 right now, statistics show that within 12 months 80% of
Australians would have spent it and have nothing left, because this is what most
of us have been taught to do; 16% would have turned the $10,000 into $10,050 by
putting it in the bank; However 3% of the population would turn the $10,000 into
up to $20,000 - that's up to a 100% return and these people would definitely be
considered Financially Intelligent, and less than 1% could turn that $10,000
into as much as $1,000,000. Yes, a million dollars or more! It wasn't until
Jamie had done that himself before he really believed it was possible
3.
THE FOUR KEY SKILLS
The 21st Century is also known as the Information Age. General skills, rather
than specialist skills will be invaluable in the 21st Century due to the
swiftness of change from information transfer and the resulting high turnover of
businesses and industries.
Jamie
asked Paul Zane Pilzer, a leading US economist & Presidential Advisor,
author of the book "Unlimited Wealth", what would be the biggest
industry in the future. His reply was "adult education, due to the massive
need for adults to continually be retrained and educated in a rapidly changing
world".
There
are four key areas that you will need to master to have an all-round generalist
education. If you master these areas you can be guaranteed that you will indeed
excel in the 21st Century. The four key skills are:
1.
Think Creatively/Problem Solve
2. Negotiate to get what you want
3. Communicate Effectively
4. Effective Marketing Skills to bring an idea or concept to reality.
4.
RESULTS PURPOSE ACTION (RPA)
The next step in a 21st Century Education is to be results focused, purpose
driven and action oriented. One question everyone seems to ask today is
"How do I turn my dreams, my goals and my desires into reality?
Using
RPA you can take anything that you can visualize and turn it into reality. This
process teaches you how to think differently and to get a specific result,
rather than just busy yourself with activities that don't bring you closer to
your dreams. Jamie believes the truth is in our results in life, not how busy we
are. That's why Jamie is able to holiday regularly yet still manage several
companies and projects in a fraction of the time, allowing plenty of time for
quality of life
5.
LIFE BY DESIGN
Jamie uses RPA to design his life to a 'T'. The life he lives today is no
accident. Jamie says, "When I was on my friend's couch dreaming about the
things I wanted for my life, I dreamed I earned in excess of $1,000,000 a year
and that I traveled the world seeing places like the "Leaning Tower of
Pisa" and the Caribbean, Africa and South America. In short I wanted to do
whatever I pleased, whenever I pleased with whomever I pleased and as much as I
pleased. I also planned what sort of home I would live in and the sort of people
I wanted to associate with."
Jamie's
mentors told him to write down everything he'd want to make his life ideal. This
is similar to what people think about when they say, "One day, when I win
lotto…", but in much more detail.
So he started to write down everything he intended to accomplish in his life if
it was ideal.
If
life was ideal then Jamie thought a car that would start of a morning would be
great. Maybe a BMW emerald blue 328 convertible or Lamborghini. Why not have a
Lear jet on charter just in case you needed to get somewhere in a hurry or
wanted to fly or land on your personal airstrip on your family farm. Jamie
thought he'd love to be able to make many changes in the world, help other
people and know his life made a difference.
"I'd
like to not have to work for money, to be a multi-millionaire and earn several
million dollars a year. I'd love to be able to write a cheque for $50,000 for
charity or even start ones own charity foundation. I'd like to help Australia
become the number one nation in the world again as per capita of wealth and
living standards.
I'd like to travel for a holiday one week out of every four to see my own
country and travel to every continent on the planet. Or simply ring up some of
my family or friends at work and be able to say you need to get to the airport
as soon possible because you have all expense paid tickets and accommodation to
come with us to a beautiful tropical island for a week’s holiday. I'd love to
have a luxury sports cruiser boat and holiday in beautiful tropical islands,
like the Whitsunday Islands of Australia. I'd also like to have a million dollar
mansion on the water with an outdoor Jacuzzi, a pool in the lounge room and
somewhere where it's warm all year round, like Noosa, not like Glen Innes in
Northern New South Wales, where Jamie grew up on a 2,000 acre farm. He'd also
thought why not have a winter home as well in Queenstown, New Zealand to go snow
skiing, maybe a place in Whistler, Canada as well and in the Snowy Mountains in
Australia."
When
Jamie wrote all these things down they were nothing but a pipe dream, however
his mentors impressed upon him that he could design and live his ideal life much
sooner if he was absolutely clear about what it was he wanted and was prepared
to take immediate and consistent action. It's no surprise that five years later
just about everything he wrote down is now reality in Jamie's life, including
the multiple houses, financial success and more importantly the quality of
relationships. He repeated this exercise daily & strove to shape his life to
that blueprint.
Today
Jamie lives the life of his dreams, traveling the world and living in his
dream-homes - one in unpolluted Queensland paradise and the other in Queenstown,
New Zealand. His focus and commitment helped him to achieve his goals that had
started out as a fantasy, out of reach. But by focusing on what it was he truly
wanted, he was able to accomplish in a few short years results that would seem
unbelievable to so many of us. However, despite all the material success Jamie
says the greatest gift has been to get a clear sense of purpose and positively
impact and care about people, everything else has just been a blessing.
By
now you're probably thinking "Why wasn't this sort of education taught at
school?"
You
could try ringing your local TAFE college or University and booking in, but they
unfortunately won't be able to teach you a real life education.
Jamie
believes one reason that much of the valuable information and strategies he
learnt to turn his life around, especially financially, isn't made more
available at school, is for two main reasons. One, many industries and systems
profit immensely from people being ignorant of these things. As Jamie says, why
would the banks want people to know how to make 20%, 40% even 100% returns on
their money with low to medium risk strategies (much safer than investing in a
car or spending the money on junk) when they only pay 2-4% p.a interest to the
average person, then immediately take our money and generate 20%, 40% up to 100%
or more on it and not be concerned about the so-called high risk of these
investments.
Or
why would the financial planning industry want everyone taught how to invest
successfully themselves, when it's easier to sell commission products (at a
large profit) to people if the masses think all investing is very risky, time
consuming and difficult and they are much better off letting someone else manage
it for them. Despite the fact most financial planners, stock brokers and
accountants have no idea as to how invest themselves as the truth is in the
results of their own life which are often poor yet people blindly allow others
to manage their money and financial future, simply because they have a piece of
paper that says they have a degree and therefore can. Yet the question one of
Jamie's mentors said to him to ask himself after seeing an average financial
planner or accountant or bank manager he went to for advice was, "If they
can show you how to become a self-made millionaire, retire and live your ideal
lifestyle, then why haven't they done it themselves?"
Fair
enough question Jamie thought.
Now
it's not that today, financial planners, accountants or stock brokers are of no
value. Jamie uses them as resource tools to become wealthy, though he doesn't
blindly take their advice, as he knows how to make decisions himself. Even
despite the fact that Jamie’s financial planners, accountants and stock
brokers are in the top three percent, i.e. they are successful investors
themselves and practise what they preach, which is unlike the majority of the
financial planning industry, who are not trained in financial investing. Jamie
believes after just three and a half hours at one of his seminars you'll be more
competent than 99.9% of those that work in the financial planning industry and
has already proved it to over 11,000 people that have already attended his
seminars.
Jamie
has invested five years and in excess of $100,000 to acquire his 21st Century
Education, but the return on that investment has been outstanding!
Information
such as this is now available to you too through 21st Century Academy, for a
fraction of Jamie's investment. 21st Century Academy runs a series of seminars
and home study courses that teaches average Australians how to excel in the 21st
Century.
In the introduction seminar "How to Excel in the 21st Century and make
money while you sleep", Jamie shares his personal story of how he went from
being absolutely broke, $150,000 in debt, no job or future prospects and
sleeping on a friend's couch, to learning how to make money while he sleeps.
Jamie is a self-made millionaire in his twenties and is now an inspiration to
thousands.
Unlike
other seminars that only tease you with promises of information, you'll actually
walk away from this strategy packed 3.5 hours with the know-how to improve your
life instantly and dramatically. Just see our testimonials.
Following
this seminar, you can choose to apply to enroll in the three-day intensive 21st
Century Academy Seminar. This is an experience not to be missed, and definitely
not for the faint-hearted.
21st
Century Academy will astound you with its utter simplicity and you'll leave the
Academy with all the tools, contacts and strategies you'll ever need to
immediately increase your net worth, dramatically improve relationships, conquer
fear, think like a millionaire and much much more.