Wednesday, May 6, 2020

What is Crowd1 and what it is not

This post is about CROWD1 being included on the MLM companies  that are given the strong warning by SEC Commission for securing investments from members.

  Before we go into the details, what is Crowd1 ?

CROWD1, is a European company and is considered the next gig star after Netflix, Airbnb, and Uber ! As mobile phones in the world becomes more than the entire global population and far more more than taxi nor hotel units ... this opportunity starts to move like a train with no breaks. As of May 6, 2020, total affiliates stands at ~5 million worldwide and is projected to reach 50-60 million affiliates by end of the year.

   Now we go to the information received and advised on by SEC:
The Commission has received information that an individual or group of persons representing an entity named CROWD1 ASIA PACIFIC INC. (CROWD1) are enticing the public to invest their money in the said entity with the promise of high monetary rewards or profits.

Those who act as salesmen, brokers, dealers or agents of the said entity in selling or convincing people to invest in the investment scheme it is being offered including soliciting investments or recruiting investors through the internet may be held criminally liable under Section 28 of the SRC and penalized with a maximum fine of Five Million Pesos (Php5,000,000.00) or imprisonment of Twenty One (21) years or both pursuant to Section 73 of the SRC (SEC vs. Oudine Santos, G.R. No. 195542, 19 March 2014).
   

         In its formal response, Crowd1 Asia Pacific Inc. (Crowd1) “strongly” objected to the advisory of SEC which stated that it was offering or soliciting securities and investments from its members.

“Crowd1 is registered with the SEC granting us juridical personality, and our operations fully operate within the legal area granted,” Regional Manager Asia Pacific Jan Frostne said.

Frostne reiterated that the terms and conditions of Crowd1 emphasized that it is not a financial institution but a paid “educational suite,” although the statement did not explain further the specifics of the suite.

“Crowd1 does not offer any token of ownership in a shared profits pool and all purchases involve a risk of full financial loss,” he added.

Prospective members were advised to do their research prior to engaging in businesses that include specific results or financial returns.

Although the statement did not explain as to what its business model is to assure profitability, its website stated that Crowd1 “does not sell any products of its own and it merely markets other companies’ digital products.”

SEC confirmed the registration of Crowd1 as a corporation on October 9, 2019 under Company Registration No. CS201917023, however, as previously reported, the entity was not able to acquire a secondary license “to issue, sell or offer for sale securities to the public nor to undertake business activities.”

According to the Securities Regulation Code, securities are “shares, participation or interests in a corporation or in a commercial enterprise or profit-making venture and evidenced by a certificate, contract, instruments, whether written or electronic in character.”

Frostne stated that they take the statements from the SEC seriously and the entity fully intends to cooperate in the proceedings especially in identifying involved individuals or groups who misrepresent Crowd1 and entice people to invest or solicit investments.

Crowd1 is fully cooperating with the SEC in order to correct any misinformation they have on the products and services the CROWD1 offers to zero out any misunderstanding.

Monday, August 5, 2019

Drive Book - The Surprising Book on What Motivates Us

What we learn from “Drive”:
Businesses rely far too heavily on monetary motivation – For repetitive tasks (for example, sales), direct incentives are important , but for creative projects Motivation 3.0 (see below) drivers are important. They benefit all employees, creating passion and drive throughout the company.
Type X employees are extrinsically motivated, notes Pink. Money, for them, is a key driver and this type of worker often regards getting more for doing less work as a win. Type I employees are intrinsically motivated. Excelling in the work is the big reward. Pink details how to transition Type X staffers to Type I mode
Motivation 3.0 – This incentive program is basically made up of three values:
  • Autonomy – True ownership for your actions and outcomes requires control. This means giving employees time as a resource. They need to choose not only the task itself, but the ‘how’, ‘who with’ and ‘when’ they do it.  A great example is Google’s 20 percent autonomous time policy, where engineers are encouraged to invest time in projects they dream up themselves. This now accounts for half of Google’s new projects, including Google news and Gmail. 3M’s 15 percent autonomy program led to the Post-it note.
  • Mastery– If you enjoy what you do and it has a purpose, you will work to steadily improve. The key is the mindset that your abilities are not finite. You may never reach perfection but the joy of excelling from mastery while always reaching for the next rung is a powerful driver.
  • Purpose – People become passionate about what they do if it gives their lives meaning. They want to be part of something bigger than themselves, even defining themselves in the name of the cause. This is the most exciting area for growth in business. Purpose and profit are not mutually exclusive.
Toss the annual review to the curb – Managing Motivation 3.0 employees doesn’t involve an annual review process. Pink highlights examples of managers operating more like motivational coaches, meeting every six weeks to see how to support employees in realizing their goals and making sure that aligns with the organization’s objectives.
Applied knowledge
Drive” offers good news for entrepreneurs. By applying Motivation 3.0 to your startup, you can tap the energy required to make your vision a reality. If you already operate this way, the challenge becomes how to further enrich your businesses to achieve long-term lasting change while still meeting your short-term goals.

Tuesday, July 23, 2019

I wish I learned this sooner

Passive Income With Tai Lopez SMMA 2.0 (Social Media Marketing Agency)
Have you ever been so excited about something, you just start buzzing and you have to tell someone about it? That’s what's happening to me as I’m learning about how to get paid to help business owners use and manage their social media from Tai Lopez’s SMMA program.

He’s been teaching me all about why 99% of businesses suck at social media (basically, it’s because they didn’t grow up using it and they don’t have time to learn), how to get your first client (TONS of different strategies to use), and how to automate and outsource the work later on.

Basically, a go-to guide about a huge opportunity today.

I didn’t realize how much I know about using social media that most businesses don’t. I’m not talking about anything complicated either. Even simple things like posting pictures of food and using the right text in the description is something a lot of restaurants struggle with.

Considering that businesses need this type of help, they’ll gladly pay a few to several grand a month for a done-for-you service.

This is exactly what Tai’s SMMA program shows you.

This is Tai Lopez flagship product that has helped over 40,000 people in over 50 countries learn how to start their own Social Media Marketing Agency or an "SMMA."

This is by far the largest social media training program in the world and the US government granted him the exclusive trademark for the commonly used industry term of "SMMA."

Trust me, you’re going to want to check it out too.

Go here to start with the free version of the program: tailopez.com/smma/ramed

Let me know how it goes!


To Your Success!

Raymond " ramed" 

Sunday, July 7, 2019

5-Minute Millionaire Mentor - Who needs a mentor?

tailopez.com/mentor/ramed  Once you hear what I’m about to say, you’ll know immediately what I’m talking about and I bet you’ll say the same thing: why didn’t they teach us this in school!? The last 10 years of my life I’ve been researching, studying and experimenting on the reason 99% of the world struggles financially and 1% of the world has most of the money. Try it for 28 days and watch something amazing happen. 5 minutes a day for 28 days. Here is some of what you’ll learn if you stick with it: - How to invest your money - How to make money work for you - How to create multiple flows of income - What are good trends nobody has seen - How to get paying customers - How to find more mentors - How to get people to put capital in your business so you can start with zero dollars - How to fix your credit and get business lines of credit - How to invest in real estate - How to optimize your website his - How to build your social media brand (Facebook, YouTube, Google, Snapchat) - How to close sales deals If you’re too lazy to give me 5 minutes a day, there’s no hope for you. That might sound harsh, but it’s true. This is for serious people only. 5 minutes a day of dedication, concentration and focus. https://www.tailopez.com/mentor/ramed
Why you should you listen to Tai Lopez.  Check this link for his credentials:  https://www.tailopez.com/forbes

To Your Success,
Raymond “Ramed” Medina

Thursday, July 4, 2019

How the Cash Flow System Works_Your Way to Your Next Income Stream

The Cashflow System is essentially Tai’s way of helping people to make between $2,500 and $25,000 per month as affiliates of his.

Tai wants to personally mentor you to be successful by working with the businesses he has already created. He has put together The Cashflow System which is a collection of trainings that allow you to basically piggyback off Tai’s work.

Here is a breakdown of what’s included:
https://www.cashfloww.com/ramed

TAI LOPEZ PRODUCT RESELLER RIGHTS
This is a great part of the course that gives you reseller rights to Tai’s products and is valued at $997.

This is a super good part of the course because Tai already has the products in place that you can sell and benefit from. These products are of course great products and it is far easier to become a reseller than to create your own. This also allows you to piggyback on Tai’s brand. It’s like becoming a franchisee of a brand like McDonalds or Jollibee. Whether you like McDonalds or Jollibee doesn’t matter, what I am talking about here is that these are big trusted brands. The same is true in the digital world with Tai Lopez, people are most likely to buy his products because of his personal brand he has built.

My Journey with TAI LOPEZ's  -  THE CASHFLOW SYSTEM

cashfloww.com/ramed

I have taken the leap of faith with it and like another average person looking for another source if income, I am confident that it is legit and will definitely help provide the much needed opportunity for folks like you and me while not starting from scratch to earn additional income.

After following Tai Lopez for several years, I think that this might be his best work because it gives you and me a chance at making real money by utilizing the products, tools and resources that Tai Lopez has already built.




Saturday, June 29, 2019

How to achieve something.

There will be times in your life that you will aspire something or feel like that there is something that is missing.
There is some pain or longing felt for not having that thing or meeting some expected level of performance.
My suggestion is to really think if what you really want fits your own definition of success. If it is aligned with what you really want to accomplish in life then it is something that you have to pursue.
Next is to dream it and have a vision of it coming into fruition.
Eliminate all doubts or negative thoughts in your mind that it cannot be obtained or accomplished. Come up with your plan and strategy on how you are going to have what you want.
Execute on that plan and expect obstacles to overcome which you have already considered during your planning stage. Other surprises will come up and with your focus on the objective, you will find solutions and bring you to your finish line eventually.

So there you have it. I hope it boost your confidence to act and start something to fulfill your dreams.

Act Now and Dare to Start!

Be Strong, Be Smart my friend.

Cheers!
Raymond

P.S. I have embarked on a partnership with Tai Lopez and i am excited for the ride. You can join me on this journey for additional income streams:

cashfloww.com/ramed
tailopez.com/smma/ramed
tailopez.com/mentor/ramed
knowledgesociety.com/ramed

Saturday, June 22, 2019

Tuesday, August 7, 2018

Tim Cook's Message after Apple became 1st Trillion Dollar Company


Team,
Today Apple passed a significant milestone. At our closing share price of $207.39, the stock market now values Apple at more than $1 trillion. While we have much to be proud of in this achievement, it's not the most important measure of our success. Financial returns are simply the result of Apple's innovation, putting our products and customers first, and always staying true to our values.
It's you, our team, that makes Apple great and our success is due to your hard work, dedication and passion. I am deeply humbled by what you do, and it's the privilege of a lifetime to work alongside you. I want to thank you from the bottom of my heart for all the late hours and extra trips, all the times you refuse to settle for anything less than excellence in our work together.
Let's take this moment to thank our customers, our suppliers and business partners, the Apple developer community, our coworkers and all those who came before us at this remarkable company.
Steve founded Apple on the belief that the power of human creativity can solve even the biggest challenges — and that the people who are crazy enough to think they can change the world are the ones who do. In today's world, our mission is more important than ever. Our products not only create moments of surprise and delight, they empower people all around the globe to enrich their lives and the lives of others.
Just as Steve always did in moments like this, we should all look forward to Apple's bright future and the great work we'll do together.


Thursday, August 2, 2018

Pre-suasion: A Revolutionary Way to Influence and Persuade


Speed Summary by  PAUL MARSDEN 

Author: Robert Cialdini
  • Publisher: Random House Books
  • Publication: 2016
The most valuable commodity of the 21st century is attention.


Although attributed to investor and philanthropist Esther Dyson, this insight is subject of Robert Cialdini’s new book Pre-suasion. ‘Pre-suasion’ is the art of influence by capturing and channeling attention. Rather than seek to change what people think (difficult), change what they think about instead by directing their attention (easy). The changed focus of our attention primes, anchors, frames and sets the agenda for our subseqeunt choices. Smart influence happens before any message is sent.
Pre-suasion may be controversial for traditional communicators – it argues that influence is primarily a game of attention and association, not persuasion and argument. But Robert Cialdini has pedigree in the field of communications. He is author of one of the most influential business books of all time – Influence, a 1984 book that is still #1 bestselling book on consumer behaviour on Amazon. Whilst Influence focuses on what to say to influence consumers, distilling the findings of scientific research into six universal messages, Pre-suasion focuses on when to influence.  And that time is before people notice they are being influenced.
Pre-suasion is built around the ideas of anchoring and priming. Anchoring – also known as the focusing effect/focusing illusion – is an attentional bias that means we systematically rely too heavily on the first piece of information offered (the “anchor”) when making decisions. Priming refers to how our attention and responses are systematically biased by what we’ve just been exposed to (exposure to one stimulus influences the response to another stimulus). Together priming and anchoring mean that whatever first captures our attention is seen as important, causal and directs our response.
  • If you want people to buy a box of expensive chocolates, first arrange for them to write down a number that’s much larger than the price of the chocolates.
  • If you want people to choose a bottle of French wine, first expose them to French background music before they decide.
  • If you want people to agree to try an untested product, first inquire whether they consider themselves adventurous.
  • If you want to convince people to select a highly popular item, we can begin by showing them a scary movie.
  • If you want people to choose a more expensive but more comfy option, first show them fluffy clouds
  • If you want people to feel warmly toward you, hand them a hot drink.
  • If you want people to be more helpful to you, first have them look at photos of individuals standing close together.
  • If you want people to be more achievement oriented, first provide them with an image of a runner winning a race.
  • If you want people to make careful assessments, first show them a picture of Auguste Rodin’s The Thinker.
Priming Associations
Do you know the positive words and imagery that people associate with your category and category-related goals. No?  Well you’ll need to find out in order to become proficient in the art of pre-suasion. For example, if you want people to improve performance, first expose them to images and words associated with performance (winattainsucceedmaster).
These words and images are ‘primes’ that have ‘associative coherence’ with desired outcomes, and ready our mind for an associated response. For instance, telephone fund-raisers raised 60% more money when their script sheet contained an image of a runner winning at race. We may diss motivation posters as cheesy but they work. Likewise, young women do better on science, maths, and leadership tasks if assigned to rooms with cues (photos, for example) of women known to have mastered the tasks.
More generally, by embedding evocative associations in an initial framing message, you can prime how people respond to a subsequent message. For example, Stanford University researchers published two version of a news story about crime rates with just one word change – the soaring crime was either described as a ‘ravaging beast’ or ‘ravaging virus’.  When asked for their preferred solution – either catching and caging criminals or deal with underlying ‘unhealthy’ causes, those who saw the beast version tended to recommend the catch and cage solution, whilst those who saw the virus version recommended dealing with unhealthy causes (poverty, unemployment). The associative coherence between the descriptive metaphor and preferred solution directed preference.
The practical upshot.  Map positive associations – word associations and sensory associations (sounds, tastes, scents, touch and sights) related to category goals and benefits and use these positive association to pre-suade by priming.



Embedding Associations
Pre-suasion is the art and science of capturing and channelling attention. The big marketing challenge in a cluttered world is capturing attention. So whilst your may know the associations that you want to use to prime your audience’s mind, you first need to capture attention.  How do you do that? Pre-suasion lists 6 attention grabbing strategies
  • The Sexual. Sexual stimuli have a pervasive power to command our attention, and influence our action, but the influence is more subtle and selective than we may think.  For example, a recent field experiment found that only 20% of men would agree to help a woman after having been asked for directions to Martin Street, but 36.7% agreed to help after having been asked for directions to Valentine Street. The men had been primed with romantic associations, and behaved more chivalrously. On the other hand, only 8% of top advertising campaigns use sex to sell. Why?  Because sex only sells when the product is linked to sexuality (cosmetics, perfume, form-fitting clothing). Sex doesn’t sell soda, soap powder or white goods because there is no strong association in the mind of the audience between sex and the product.
  • The Threatening.  Threats to our personal safety or the safety of those we care about has attention grabbing power. It’s arguably what attention is for – being alert to threats. Threat and fear appeals, such as in tobacco packaging, have been shown to be pre-suasively effective, when they are followed by clear instructions on how to avoid the threat. Perhaps more interesting from an advertising perspective is when the pre-suasion and persuasion are uncoupled. Research carried out by Cialdini and evolutionary psychologist Vlad Griskevicius found that the perception of threat opens us up to messages to be part of a group (where there is safety and strength in numbers). In this experiment people people responded favourably to an ad for SF Museum of Modern Art that stressed its popularity (“Visited by over a million people each year) after having seen a violent movie, but not after seeing a romantic movie.  After the romantic movie, that ad that worked best emphasised distinctiveness of museum attendance (“Stand out from the crowd”). Once again, what happened before influenced how a subsequent message was received. The implication is ads and products that help people stand out will perform better when placed in or after romantic content, whilst ads and products that help people fit in will perform better in or after violent or threatening content.
  • The Different.  In order to survive, we need to be aware of changes to our environment – and whenever we first register a change around us, we have an ‘orienting response’ that involves diverting our attention to it. If something is distinctive, out of the ordinary is stands out, it grabs our attention. And because it grabs our attention, the importance of what makes it distinctive is amplified. This attention-grabbing capacity of the distinctive can accentuate the influence subsequent messages.  For example, an experiment at NorthWestern involving a side by side online comparison of two sofas, one with comfy cushions, and the other with sturdy cushions resulted in a 58 percent to 42 percent preference for the sturdy cushion, but when two extra sofas with sturdy cushions were added to the comparison, preference for the different and distinctive sofa with comfy cushions increase to 77%. Bottom line, you don’t just have to Think Different, you have to be Different.
  • The Self-Relevant.  Our attention appears to be honed to information about us, or relevant to us.  From the background chatter at a party, we have an uncanny knack of hearing someone mentioning our name (cocktail party effect).   In personal health, a message that is self-relevant because it has been tailored to or references us is more likely to capture our attention, interest, be memorised and even acted upon.  In fact, simply using the word you rather than ‘people’ may boost self-relevance
  • The Unfinished. Our attention and memory shuts down once a problem is solved or an action completed.  In contrast our attention remains drawn to unfinished business. The idea that people remember uncompleted or interrupted tasks better than completed tasks is known as the Zeigarnik Effect (after Blumer Zeigarnik – a student of psychologist Kurt Lewin).  This explains why we remember stuff – including ads – better if they are unfinished, because our attention will remain drawn to it as we crave cognitive closure. A recent Facebook experiment shows the capacity of the unfinished to command our attention.  College women viewed the Facebook profiles of four male students who had previously seen their profiles and were told whether the male students were attracted to them a lot, no more than average, or not told at all.  As was predicted by ‘reciprocity principle’ (we like others who like us), the women were more attracted to the men that liked them a lot. But they were even more attracted to the men for whom they didn’t know.  We may crave closure, but we can be attracted to the unfinished.
  • The Mysterious. Mysteries intrigue and captivate our attention.  Good writers and teachers know this, and will structure what they share as mysteries to be solved.  They will begin by posing the subject as a mystery, and then deepen the mystery with surprising observations.  Then, they’ll tease the audience by considering and discounting plausible but incorrect explantations, and then provide a clue to the real explanation. Only then will they resolve the mystery, and draw the implications. Whilst Cialdini does not share experimental evidence of the effectiveness of mystery at capturing, he points to his career and success has been built on systematically using it.



Bringing it altogether
The opportunity for marketers is to combine the embedding of associations in pre-suasive communication, with the embedding of influence cues form Cialdini’s Influence in messages.  This one-two of influence – pre-suasion then persuasion – provides marketers with a powerful communications framework that moves beyond mere argument.
In doing so, the promise is that you turbo-charge your influence. Combining the two steps to influence – Cialdini provides a process for non-rational influence.
  1. Start with Pre-suasion. Capture and channel attention with by embedding positive category (goal) associations in attention appeals (The Sexual, The Threatening, The Different, The Self-Relevant, The Unfinished, The Mysterious)
  2. Then use Liking (The obligations of friendship, or of being swayed by people you like) and Reciprocity(The obligation to give back) to establish rapport and cultivate a positive association with you as a communicator – in a meaningful, unexpected, and customized manner
  3. Now use Authority (We follow those we view as experts) and Social Proof (The power of consensus, doing what we feel others are also doing) to reduce perceptions of uncertainty and risk
  4. Finally, use Consistency (Need for personal alignment) and Scarcity (We want what may not be available) to motivate action
Cialdini concludes by proposing a seventh message cue to the six originally enumerated in Influence – Unity – we say yes to ‘we’ messages that appeal to a sense shared identity (genealogy or geography) or shared activity (synchronicity, collaboration (including – co-creation)). Naturally, sitting alongside Liking and Reciprocity in step 2 in the process of influence, creating a sense of unity between communicator and audience establishes rapport and positivity.
The Brand Genetics Take
We were not only pre-suaded by Pre-suasion, we were persuaded by it too.  It’s a fitting followup to the business book on Influence.  As an agency, we’ll be using pre-suasion techniques to craft compelling insights and concepts, and to help brands communicate more effectively. It’s perhaps true that Pre-suasion is not quite as ‘neat’  as Influence insofar as it doesn’t offer an off-the-peg solution to influence like the six (now seven) evidence-based message cues. Pre-suasion requires knowledge of the associations people make with the category and category goals, and embedding these in pre-suasive communication that frames a subsequent message. And that requires research. But for professional communicators, Pre-suasion is a goldmine of evidence-based insight into the attentional biases that influences our behaviour, and offer practical recommendation for how to harness these biases. We unreservedly recommend Pre-suasion to all branding and marketing professionals.


Wednesday, August 1, 2018

10 Key Points from The Millionaire Booklet by Grant Cardone

Credits to Alfie Whattam

I just finished reading The Millionaire Booklet by Grant Cardone. Here are 10 key points I took away from this book. This is only a short review, so if you have any further questions on these points, then just drop me a tweet @AlfieGWhattam.
1.     Anyone can become super rich, but the majority of people wont, partly because schools just don't teach you how.
2.     Most people have more money saved, when they're under the age of 10, than when they get out of college.
3.     The idea that you 'just need enough' money to live off is ridiculous. 
4.     Once you do the math, you can see how becoming super rich is attainable. So figure out exactly how many clients you need, how much they need to be spending & how much you need to be making to reach your goals.
5.     The creation of wealth early on, is not about saving or investing, it's about increasing your income.
6.     Spend your time with people who can actually buy what you're selling.
7.     As soon as you get paid, automatically move the majority of that income into separate savings accounts which you do not touch. Since you now wont have much spending money, it will force you to focus on increasing income.
8.     Once you've saved enough in these separate accounts, invest it into businesses & ventures which you have complete confidence in.
9.     Create multiple strong connected flows of income & don't neglect the existing streams when you move onto others (whilst repeating the system of saving income & reinvesting later).
10. Reach up to make new connections, never reach sideways or down.


Introduction:
  • Regardless of your economic condition it is 100% possible for you to become a millionaire if you do the work.
  • Grant made a commitment to become rich at 16 but was still broke at 25.
  • Grant had a million dollars aside by age 30. Today he has a net worth of over $100,000,000.
Getting Rich is not a Fantasy:
  • Most people believe becoming a millionaire is a fantasy.
  • 80% all self-made millionaires work for someone else.
  • Most of the people in America are broke.
Myths:
  • Saving money is the solution.
  • Never take up debt of any kind.
  • The more money you have the more power you have. Money = Choices.
  • Your goal should be amassing so much money that no single loss or setback could ever leave you without abundance.
Where Your Get Your Advice:
  • Most people get financial advice from people who are either struggling with money or gave up on having an abundance of it.
  • Study and model the top 1% of financially successful people who appear to always have an abundance of money.
  • Getting rich is a taboo topic in our society, rich people are judged for their success.
  • We live on an economical planet with money demands and limitations to take care of us and our families. Being rich is essential.
  • Getting rich is a lot more simple than people think.
  • Being rich will not make you happy. Anyone who talks about happiness and money usually has none.
  • Getting rich is ⅔ mental and ⅓ mechanical.
  • Getting rich is about offense not defense.
  • You can't be too old or young to become rich, but you have to become offensive.
  • You need to have a strategy.
  • Just last year 500,000 families became millionaires in America.
  • This booklet will make you a millionaire or a multi-millionaire.

The Wealth Creation Formula:
  1. Millionaire decision.
  2. Millionaire math.
  3. Increase income.
  4. Who's got my money?
  5. Stay broke.
  6. Save to invest.
  7. Multiple income flows.
  8. Repeat, reinforce and hyperfocus.

Step 1 - The Millionaire Decision:
  • You must put your stake in the ground and make a decision that you will become rich.
    80% of all millionaires are self-made.
  • Getting rich is not just about you.
  • Most of us are convinced by the middle class mentality to settle and compromise selfishly for just enough rather than abundance.
  • This is selfish because when you just barely have enough you can't take care of others.
  • It also invalidates you because you're not going after your full potential.
  • Just making more money than someone doesn't mean that you're better-off.
  • The idea of not having enough money or just enough is insane and ridiculous.
  • Make the decision right now I'm going to become very, very, very rich.
  • Being a millionaire is today's new middle class.
  • If you ever lose faith or doubt yourself just open the book again and believe in Grant instead of yourself.

Step 2 - Millionaire Math:
  • Most people will produce or be in contact with a million dollars (if you make $50,000 a year for 20 years it means you're a millionaire).
  • For any goal to be achieved you must believe it's possible.
  • The best way to do this is to play a trick on yourself and do the million dollar math. How many ways can you get to a million dollars?
  • $50,000 / year * 20 years = $1 Million.
  • $100,000 / year * 10 years = $1 Million.
  • $250,000 / year * 4 years = $1 Million.
  • $114 / hour * 1 year = $1 Million.
  • $500 / product * 2,000 people = $1 Million.
  • If only 300 people paid your $278 / month you'll be a millionaire.
  • How would you collect a million sticky notes?
  • Are there a million sticky notes on earth?
  • Who has them?
  • How do I get them?
  • The best ideas are always simple. Getting to a million is simple.

Step 3 - Increase Income:
  • First you want to increase it in increments, then you want to increase it in leaps.
  • Continue to focus on simplicity and math.
  • Increments and leaps allow you to develop a belief in your next goal.
  • You can increase your income in countless possible ways.
  • It's never beneath you to do small things to increase your income, what's beneath you is
  • living month to month and not being able to provide for you or your family.
  • Grant kept growing in increments from making $100,000 in a year, to $100,000 in a month, to $100,000 in a day, to $100,000 in an hour.
  • You will probably have to grow in increments to get to your surges.
  • No one gets rich without increasing income first, regardless of the method.
  • You are a business, the value of your business is based on how much income you can create.

Step 4 - Who Has My Money?
  • People get into business but never ask this simple question.
  • You don't need to make money, you need to invest all of your time connecting with those who have money and seeing what you can provide to them in exchange for the money they already have.
  • Spend as close to 100% of your time as possible with those who have your money.
  • Be nice to everyone but pay the attention to the people who have your money.
  • Don't waste time with those who can't or won't give you money.
  • If you spend your time with people who can't, won't or aren't interested in paying you, you'll eventually become someone who can't pay.
  • Focusing on who's got my money is one of the most powerful concept of money and time creation.
  • If you figure out a way to help 1,000,000,000,000 you'll have a lot more than $1 billion.
  • Knock on that door or make that phone call to get to who's got your money.
  • Even if you feel introverted remember it's selfish to be poor, make your goals so big that you let go of your lies.
  • You don't have to like it or enjoy the process.
  • The most important thing in business is sales and the most important question in business is who's got my money?.

Step 5 - Stay Broke:
  • Never let money sit around, as soon as you create any surpass of money you want to put it aside at a sacred, closed investment account.
  • You can either stay broke and force yourself to work by spending, or you can do it by saving to invest.
  • Imagine waking up one day having so much money that you can't spend or destroy it.
  • An Idea + Hard Work * Time + Discipline = SUCCESS.
  • From 25 to 51 Grant worked hard without vacations or spendings.
  • Pay the price today so you can pay the price tomorrow.

Step 6 - Save ONLY to Invest:
  • Never save just to save or to fund a disaster, save only to invest.
  • You can start investing only once your main source of income is dependable and growing.
  • It took Grant 8 years to take $750,000 and invest them in 2 family complexes, he later sold them for a profit of $5,000,000 + $100,000 / year.
  • The wealthy make big investments, not small investments.
  • To properly invest you must have surpluses of cash and full confidence in the investment, and in your current income flow/s.
  • You want your investment to be a sure thing. If it will make money under any worst-case circumstance then you can invest and go all-in.
  • This investment should create a new flow of income or reinforce a current flow of income.

Step 7 - Multiple Flows of Income:
  • This is the holy grail of financial wealth and freedom.
  • Mistake #1: Walking away from your current source of income instead of finding a way to add one.
  • Mistake #2: Going for a second flow that is vastly different than the first and then neglecting them both.
  • Always create income flows parallel and supportive of your existing income flows.
  • When you add a second flow make a commitment to never neglect your first flow.
  • Never walk away from any income flow no matter how small it is. This should be the exception, not the rule.
  • Nothing creates more confidence than having multiple strong flows of income.
  • Keep it simple. Simple works.

Step 8 - Repeat, Reinforce and Hyperfocus:
  • You can, and should become a billionaire, or even a multi millionaire if you think big from the start (apply the 10X rule).
  • The first thing you'll have to give up on is your middle class mind.
  • The second thing you'll have to give up is losing fun things like travel and vacations.
  • When people start asking you why you're working so much and don't have time them, it means you're well on your way.
  • You want to work at-least 10 hours / day, 6 days / week and focus the rest of your time in self-improvement.
  • People will criticize you for changing because you become a threat to the people who are around you and their status quo.
  • If you are truly committed to becoming a millionaire you need to be prepared for your old friends falling off and losing interest.
  • You must be prepared to add super-successful people to your environment, these are the people you should surround yourself with.
  • People committed to success want other people to be successful.
  • People committed to the middle class want other people to stay the same.


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