Chapter 1
You and your money
I. Develop a healthy respect for your money at an early age.
When we develop a deep appreciation for the value of money at all it monetary levels, we then are in a position to fully and responsibly use this valuable tool to the best of its natural function. In doing so, we stand to greatly increase our profit making potential, which then gives us the opportunities to amass great wealth. Therefore, the best time for us to begin appreciating the value of money would be at the earliest point of cognitive realization, which for most starts at the age of three (3) years.
Why adapt a healthy respect for money at an early age? As a child, we are more flexible to new ideas and concepts which can easily become habitual. Certainly we can appreciate the fact that if a child develops and display good money management skills at the earliest point of learning, what an asset and a great opportunity for that child to become financially responsible through to adulthood. The possibility of wealth is far greater for this child than for those that lack respect for money management.
II. Money is not just a true friend; It’s your only friend.
Believe it or not but there is no other friend you will ever meet this world that is unconditionally loyal, well loved, widely respected, reasonable, reliable, resourceful, incredibly influential and industrious as money. We don't have to thank it, don't have to feed it, nor even talk to it, and money will still be our best friend.
Money will never argue with us about anything nor ask for favors in return. Money will work unconditionally to bring to reality our greatest desires. We cannot go wrong when we have a friend like money at our side. Learn to understand and respect money and it will become a constant source of help in all our daily business dealings.
III. When money talk it pays to listen.
Money speaks in all languages and its words are pure, true and powerful. When money utters its voice, kingdoms and world governments are built and, by the same means, destroyed. The leaders of nations stop whatever they were doing when they hear the voice of money in their midst.
People all over the world gladly come whenever money calls upon their names. When the sound of money is heard within the business houses, the market places and in the homes, there are tears and laughter of great joy and song are written and sang with thanks and praises. Whenever money is talking it pays to listen attentively.
IV. Let your money work for you.
When we employ the right amount of money to do any task, we can rest assured that the job will be done. Nowhere on earth will we find a more honest, reliable, and hard working well loved and trusted employee such as money. Put our money to work for us on a daily bases and we will appreciate its value more.
We must invest our money in business ventures that have been proven by ourselves or reputable sources to be consistently profitable. We need to understand that money is a tool, like any other, that is capable of building great wealth when used with knowledge and wisdom. Money that is not in uses is money that is of no use.
V. Money can buy power; the more money you have, the more power you can buy.
Money truly takes care of those that are fortunate to have it in their possession at the right time because it bestows the sense of great power upon them. No person can truly be monarch, leader or boss without the help of money. Having money opens more opportunities for us to be all that we want to be.
The influential power of money attracts those that are around us and demand their utmost attention, respect and time for as long as money is in the presence. Truly it is said “he that have the gold make all the rules".
VI. Money is like a breath of fresh air; the more you have the better you will feel.
Money gives to those that are fortunate to have it in their possession a sense of security such as none other on earth can give. It anoints upon the fortunate; honor and respect, and blankets them in the luxury of the finer things in life.
It is virtually impossible to deny its powerful presence. Trying to live without money is incredibly difficult, many would surly die.
VII. The one with the gold makes all the rules.
More than 95% of the world’s population have, are, or would be willing to labor for another that can pay them the right sum of money for their services. For the most part and according to the individual’s situation, any sum of money would be willingly accepted.
More that 75% of the time the main reason many persons would willingly labor for another is that the employer has the influential power of money backing their status of authority, the same money backed status that the lowly employee, in many cases, wants to know exist before they will decide to work for anyone. Just because of the fact that one may have the influence of money, and is willing to give a little of it away to any person that would labor for them is reason enough for many to do, gladly or not, whatever those with money ask.
This simple process is how our world's economy operates. Those that have financial wealth employ those that do not. Fairly stated, people would readily labor for those that are financially able to pay them than for those that are not.
VIII. Someone without money is someone you never what to be.
When anyone has possession of a reasonable quantity of money, they are automatically placed in a position to take full advantage of much more opportunities than those that are unfortunately without. Therefore, because of this situation, it is much better for us to have some money in our pocket at all times. Especially when we do not know that a very lucrative deal may come our way.
We can never expect to help others that are going through financial difficulties except we have the correct resources to aptly assist them, which in 90% of the time is money.
Because we are living in a materialistic world, it has become virtually impossible for anyone to survive without the aid of money in one way or the other. Whether it be as trivial as buying lunch to something as serious as medical surgery, the need for money is essential to the overall health and happiness of every human on earth.
With the right amount of money we can free ourselves from 99.9% of the difficulties faced by others today; freedom from oppressors and oppression, from justice and injustice, from hunger and poverty, from society and social ills, from politics and religion, from sickness, and soon death itself.
Having possession of money is vital to our daily existence here on earth.
X. Never give your money away freely!
. To obtain just a small amount of money in this worlds financial market take up much of our time, energy and resource making it virtually impossible for anyone to take adequate care of their financial responsibilities on time, if at all, along with the fact that 70% of all persons employed by others rarely make enough money to pay their own bills.
How can we justify taking on the financial responsibilities of others when, in most case, we find it extremely difficult to keep up payments of our own bills? Therefore in order to make the best possible use of our money we must utilize the funds we have in the most profitable and efficient manner on a daily bases just to survive.
Whenever we find ourselves with a few extra dollars we ought not to give it away but rather loan it out at no less than 25% rate of interest return or simply save it at an interest rate no less than 5%. Remember always this fact; if our monies don’t work hard for us, we will have to work hard for our money.
XI. Take care of your pennies and the dollars will take care of themselves.
If we fully understand the vital progressive sequence of a hundred pennies equals one dollar, then we will appreciate that every penny counts in our quest for adequate financial stability. By saving each penny, we are in turn creating the dollar that will eventually be obtained from our prudent and foreseeing efforts, thereby enabling us with the accountant skills needed for large money management because "he who is faithful with little is faithful with much".
No matter how much money we have or earn, the need to save a part of it is essential to our future financial health. The most effective rule of thumb with saving money is to save at least 25% of our gross earnings. This must be the first thing we do before spending anything. However, the more that we save, the better we will become.
XII. The lack of money is the root of all evil.
Most of the things that are stolen were because there was a need for it or what it may bring. In obtaining anything illegally, there is always the threat of other unlawful means being employed which can result in serious personal harm to us. Many gains were created from as little as a “white lie"" escalating to the violent level of murder. In 90% of the time, the motivating factor in each case was in the acquisition of money.
Therefore, we sadly find and conclude that when money is not in abundance or readily available, in term of adequate employment for the general public, the end result is most commonly found in the criminal area. Because money is the thread that weaves the social fabric in today economy, the need for having it will more often outweigh the means in which it is obtained. Simply put; where there is a decrease in money there will be an increase in crime.
XIII. Money is a terrible thing to waste
Of course, money is a very vital tool that is used in our society for the common good of all. To squander it is to deny oneself the right to life, liberty and the pursuit of wealth. The right to financial independence and security is not only necessary but essential for an opportunity to enjoy a normal life in today's materialistic world.
The comfort that come with the knowledge that we may not always be able to buy everything we want but could afford everything that we need is above all else paramount. However, this will only be possible if we prudently manage our money. Never throwing our funds after anything that is not needed, affordable or profitable to our own well being.
XIV. You can never have enough money.
Beyond absolute doubt, we can never have enough money. Can one have enough food to eat, or water to drink, or air to breathe? All of these things are very essential ingredients for the preservation of life here on earth. This is all too true with that of money, and none ought to be lacking if we are to live a normal healthy life. Therefore, I confess that money is to living as air is to breathing, and none can exist without the other.
We owe it to our families and our business associates to accumulate to ourselves as much money as humanly possible. In doing so we are not only preserving the world’s economic structure as we know it but also the fundamental human desire to strive progressively towards meaningful accomplishments; propelling humanity further along the evolutionary pathway toward self awareness and the realization of true happiness, and finally, that long desired Godliness.
XV. Money is like kryptonite to a fool.
Knowledge helps us to acquire and properly manage our investments. Money is the rewarding fruits of our labor. Both go hand in hand together in our quest for social and financial stability. Yet the mere knowledge of how we can acquire money is not nearly enough in today's competitive financial markets. Most important; we must also know how to save our money.
We ought to understand those procedures and regulations used by the financial institutions by which we can accumulate the highest possible interest rates on our hard earned dollar. If we are thinking along these lines but lack the necessary knowledge on how to prudently execute those money management skills and/or with which financial institution we ought to do business; then we should seriously and immediately seek the counsel of a reputable professional investment manager to obtain trustworthy and profitable information.
No matter our money management principles, once it puts a reasonable amount of money in our pockets, in the quickest possible time, and on a long term consistent bases, we ought to continue with that program.
XVI. Money don't grow on trees.
We can never afford to sit around, doing nothing other than wishing for some money to come our way because it will never happen, and it's a serious waist of our time. If we are not at this moment engaged in earning, at the least, an adequate amount of money for ourselves, then we are seriously deluded and in dire need of professional help.
There is no excuse for not earning money for ourselves. Whether we are employed under another or self employed, creating the potential for profits is one of the most, if not the most, important thing that we will ever need to do in life.
We can never afford not to be earning money at anytime nor can we afford not to be thinking of new ways to earn money for ourselves. The wealthy derive joy from every dollar they earn. However, until we can find true pleasure in the work that we do for a living, we will not be able to appreciate the money that we earn no matter how much we make.
When we find a job that we love doing, only then will we enjoy the money we earn, and the realization of wealthy will come quicker. Remember, only through the love, dedication and commitment for the work that we do daily will we find happiness and success.
XVII. Money is money.
Never be led into believing that one form of currency have more value than the others, nor should we say that one form of legal tender is easier to earn than the others. No matter the size, design or color, as long as we are receiving money, it has value and can be spent somewhere on earth.
Never argue over a dollar, whether it be in the form of one hundred pennies, twenty nickels, ten dimes, four quarters, two silver or paper fifty cent pieces or one silver or paper dollar, the bottom line is; a dollar is a dollar. We must never reject any money because of any miner defect such as torn, dirty or its scent.
Torn bills, as long as all the parts are available and the serial numbers are still intact, can be easily taped back together. Dirty money can always be "washed", and so can any legal tender carrying offensive odor. Blood money, easy money or paycheck, all is money and money is good and blessed. More further; cursed is he who lacks money.
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