Review of Guide to Investing in Gold and Silver - Michael Maloney

I recently finished reading Mike Maloney's "Guide to Investing In Gold and Silver". Since 2005 Michael Maloney has been Robert Kiyosaki's advisor on investing in precious metals. Mike is not only a very smart person; he is a smart person who understands what is shaping our economy and really cares about how it will affect the middle class. His passion and concern for the average American comes through loud and clear. Reading this book has been a life changing experience.

In this book Mike outlines the history of money, currency and the boom and bust cycles which all currencies go through. He starts with the first currency crash which occurred way back in ancient Greece in the year 680 B.C. From there he gives several historical examples which all prove the same thing, currencies are not real money and they are often used by governments to exploit the value of their citizens' hard labor. Throughout the ages many things have been used as currency including livestock, spices, grain and paper, but only two things have always been real money, gold and silver.

Mike Maloney gives the uninitiated a useful education in the history of economic cycles, how the U.S. government is diluting our money supply and devaluing our currency for it's own benefit and why precious metals are one of the most profitable, easy and safe investments you can make right now. To my surprise I found that although everything Mike says is supported with facts, figures, charts and graphs, the book reads like a mystery novel and I just wanted to keep turning the pages.

The impact of this book lies in its simple yet detailed explanations of how to understand the true value of the Dow when compared to commodities, real estate and precious metals, how to tell where we are in the boom and bust cycles of each and more importantly how you can easily profit from that knowledge.

In times of financial upheaval wealth does not disappear; it just transfers from one group to another. In previous cycles the big players, the banks and the ultra wealthy have benefited. In this economic cycle, wealth will be transferred from the uneducated to the well informed. Right now you can choose to inform yourself and move to the receiving side of the greatest wealth transfer in the history of mankind.

This book contains the kind of financial knowledge that is not taught in our schools. If you fail to educate yourself, what you don't know will hurt you. This book can make a real difference in your future.

I have been fortunate enough to associate myself with a group of well educated investors who have opened my eyes to the possibilities of making good profits during times of financial difficulty. It was my privilege to personally meet Michael Maloney, Peter Schiff, G. Edward Griffin and Marc Bruner at the last conference our investors group held.

I would encourage you to do everything within your power to also associate yourself with a group of knowledgeable investors who are willing to share their experience with you. It is a true statement that wealth rubs off. Spend your time with people who have what you want. Read books like this one that are written by the people who are doing what you want to do.

Tony Measles is a Wealth Creation Specialist He lives with his wife Lani in Durango, Colorado where he works from home.br> Tony teaches others how to create cash flow and true wealth. http://www.TonyMeasles.com http://www.DesignYourDestiny.biz Article Source: http://EzineArticles.com/?expert=Tony_Measles http://www.pippoproducts.com/familyfinance/index.html

Book Review - The Flow of Time and Money

There are lots of books in the world about the economy, about the need to have more income as a protection against hard and lean times. There are books that toll bells of financial doom and others that try to educate. But very few tell you how to get from here to there.

Dr. Lloyd Watts, in his book*, "The Flow of Time and Money...how to create a full and prosperous life,"
tells you how to transition from Middle Class to Financially Independent.

What could be simpler than understanding that the transition from Middle Class to Financially Independent is to:

• "...Pay Yourself First, Accumulate Capital, Buy Assets that produce Passive Income, until that Passive Income equals your expenses...." and to do this you:
• "...find out that changing your flow of money requires effort, self-education, and consistent daily action toward long-term goals. All of these relate to how you manage your time...."

This is where Dr. Watts' book diverges from the others. He gives clear and concise diagrams and explanations for the flow of money - how the average middle class person's income comes in and goes out in expenses - and the flow of time - how the average middle class person's time is set but goes out in "expenses" related to income. It actually all makes sense, especially when you look at his simple leaky bucket diagrams.

Dr. Watts also shows how altering the flow of time and money can transition you from middle class to financially independent. Changing the flow of money to include passive income gradually eliminates the need for a job which has a direct impact on the flow of time - what you do with your time.

A theme I find in this book is the idea of leaving a legacy. He says in his section on The Flow of Life:

• "...It's no coincidence that Time and Money have the same structural form...Some people call it Life Energy, or Life...But, if they are really the same thing, how does one get converted into the other? The poor and middle class do it the easy way. They spend their time working for money, and their employer does the conversion for them...We get our 168 hours/week, which is spent sleeping, eating, bathing, watching TV, commuting and working. Our employer pays us for that work, and we spend money on taxes, food, shelter, entertainment and toys. At the end of a life, what do we have to show for it?...."

Dr. Watts is obviously a bit of a philosopher. Although his book is short and to the point, it invites thought and contemplation. He takes us from a discussion of the flow of money and time and how we can transition from middle class to financially independent - and how to get there - but also he concludes with what I call Life Questions:

• "...there is more to life than just financial success. Other important aspects of a person's life can include their relationships, health, spirituality, artistic endeavors, community service, contribution to the world, etc. Ultimately, we may ask what kind of a legacy have we left behind...."
• "...Try asking yourself this question: 'What is the biggest problem in people's daily lives that I can meaningfully address?'...Help even one person solve a problem, and you make a difference to that person. If you can generalize your solution method and share it with a lot of people, you will make a contribution to the world...."

I find that this book hits at a good time, given the current global economy and the fact that millions of Baby Boomers are beginning to ask those legacy-type of questions of themselves. Understanding where we are financially and understanding how that standing effects how we spend our time is valuable information. Add to that Dr. Watts' explanation of how to get from middle class to financially independent and what that would do to how we spend our time gives us some ammunition to change our situation.

A thought that just occurred to me - in my parents' day, their goal wasto be middle class. They wanted nothing more than the comfort of a house, at least the one car, a steady paycheck and food on the table. Now, we can't even be sure we can keep the house we have, cars are expensive to keep and maintain, our paychecks are no longer a sure thing and food prices are continually rising. Dr. Watts' book comes at a good time.

*To learn more about Dr. Watts and his book, "The Flow of Time and Money" go to http://www.lloydwatts.com/

Linda C Smith, author and owner of a home-based business. I write a business blog at http://intlnat.comwhere you can also find links to my business. My joy in business is sharing my passion for my products as well as showing others how they can enjoy the benefits of a home business. Article Source: http://EzineArticles.com/?expert=Linda_C_Smith http://www.pippoproducts.com/familyfinance/index.html

Rich Dad Poor Dad For Teens - Create Money

Rich Dad, Poor Dad for Teens
is a book written by Robert Kiyosaki for teenagers, who want to learn the secrets about money. Robert Kiyosaki was very successful in business life, which enabled him to retire at his forties. He found a mentor who taught him and his best friend Mike about money and investment at a young age. We will call this mentor Rich Dad and his real father, Poor Dad. His real dad had a good education and job, but he had a wrong way to look at money. I will tell you about things Robert learned.

There are three types of income. The first one is earned income. It is the type of income you get from a job and every week or two weeks you get your salary from it. Poor Dad had an earned income.

The second one is passive income. The money flows in, but your not physically at work. When you write a book every time your book is sold, you receive passive income. You can also receive passive income from businesses you have started, but which you do not run yourself at a day to day basis. Robert and Mike had a business at a young age too. They had a comic library for kids and they could collect comic books that were not sold at the supermarkets in the neighborhood. Mike's sister was hired to run the library and Robert and Mike received passive income. Rich people often earn a lot of passive income and while the money flows in, they can set up a new business or just enjoy their lives.

The third kind of income is portfolio income. When you invest in stocks or other assets like that you have portfolio income. It works the same as passive income, but from this you will receive the money only one time.

Rich Dad told the two children several times that it is very important to see the difference between assets and liabilities and to buy assets. If you persist on having the most expensive and most beautiful car in the street just to excel, it is a liability. However, if the car helps you earn money, it is an asset. Assets put money in your pocket at a regular basis. Most people see assets as anything you own and is worth money, but until you sold it, it is not an asset. This is because it does not bring in money until then and after that it is not an asset anymore. Money is not an asset too. It does not reproduce itself in secret, so it does not put extra money in your pocket. It would be great if it would, but it does not.

A liability means money out of your pocket. Things you would have considered to be an asset can be a liability instead. That car for instance cost you money and if you would sell it again (if you are not a car dealer), it would probably bring in less money than it cost. A car is worth money, but it is not necessarily an asset.

The conclusion is that assets put money in your pocket, liabilities get money out of your pocket and it buy assets who give you an income and make sure you have the right type of income.

Joy Ter Welle lives in the Netherlands, Europe. She is still in high school (Dutch gymnasium). Her hobbies are flying glider planes and reading books. Article Source: http://EzineArticles.com/?expert=Joy_Ter_Welle http://www.pippoproducts.com/familyfinance/index.html

The High Priestess of Personal Freedom Enjoys a 21st Century Rebirth in Popularity

As a young college student in the 1960's I was swept up in the exciting, confrontational political climate of that period. The Viet Nam War was raging, the military draft was still activated, John and Robert Kennedy and Martin Luther King had been taken from us by assassination. The Beatles changed rock 'n roll music forever and the movie "The Graduate" changed pop culture.

I graduated from school and began my career in business carrying; maybe burdened would be a better description, these influences at the core of my being. I was liberal without having enough of life's experiences to really know why I was liberal or what that meant. I saw the world as flawed and felt that collectively we could make things better, safer, more peaceful and fairer. It made me feel good to want these things, although I had no understanding of how to make these altruistic goals obtainable.

Winston Churchill once famously said, "A man who is conservative at the age of 20 is heartless, a man who is liberal at 40 is a fool". I was soon to cross the bridge from dreamer to realist, much as described by Churchill. I started my own business. That was when reality struck, and hit right between my eyes.

At about the time I made the leap into entrepreneurialism I was introduced to the writer, philosopher Ayn Rand. I read her monumental novel Atlas Shrugged. It was attitudinally, philosophically and politically a life changing experience for me.

Every idea I had nurtured from my formative years was called into question by the hero of Atlas Shrugged
, John Galt. Rand's libertarian philosophy, she called it "Objectivism", is on full display in this powerful, logically based tale of the benefits and pre-eminence of individual rights. In the story, the productive, creative, ambitious, driven class of individuals, lead by John Galt, essentially goes on strike. Quite the opposite of a mass union strike, this stoppage by the few brings crisis to the many and itemizes the reasons that capitalism is the only economic system that can benefit the most people most often.

The power of Ayn Rand's thinking, as evidenced by the characters and stories she wrote are enjoying a renaissance today. Born in Russia, she had fled that country after the rise of communism. Her experiences growing up in a totalitarian place made her a fierce opponent of all the "-ism's", communism, fascism, socialism, all forms of statism and collectivism.

At the core of the Rand philosophy was a concept based on limited government, laissez faire capitalism and individual rights. She believed that doing what was best for one-self was the only duty a person owed to society. Altruism was destructive to Ayn Rand. The modern liberal, now interestingly called "progressive", despises the Rand view of man and believes her views reflect selfishness. And yet, it is only through the "selfishness" of the productive, entrepreneurial, risk taking class that all of society reaps the benefits of their creative, industrious enterprise. Poor people do not create jobs, and thus income, and thus taxes that support all level of government altruism and waste.

In this belief, Ayn Rand was really a modern acolyte of Adam Smith, the original philosopher of capitalism. Smith popularized the "invisible hand", the concept that by profiting and seeking advantage for ourselves, we inadvertently provide benefit for others. America's Founding Fathers resoundingly agreed with this philosophy and incorporated this principal into the Bill of Rights and Constitution. Rule of law, private property rights, individual rights and limited government enjoyed supremacy in the Founder's eyes. These principles, so taken for granted and abused by government today, are the very glue that differentiates successful states from dysfunctional ones.

The early years of the 21st century will not be treated kindly by future historians. The lessons that history teaches are being ignored. Thomas Jefferson said, "He is governed best, who is governed least". Who amongst us can honestly say that we are well governed by our all intrusive welfare, nanny-state?

The lessons and philosophy crafted by Ayn Rand have never gone away. Atlas Shrugged
is the most popular book ever published, after the Holy Bible. Sales are again spiking for this, and all of Rand's books. Because of the awkward intrusiveness and overreaching hand of government, there seems to be a revival of interest in the ideas represented by John Galt and Howard Roark in "The Fountainhead".

Ayn Rand is the High Priestess of libertarian, free thought. As long as men seek to live free from the oppressive hand of tyranny and bungled government over-activism her place in history will be secure. There has never been a better time than 2010 to dust off old copies of Ayn Rand's thought provoking classic tales and rekindle the passion for freedom that she so passionately portrays in her works.

by: Geoff Ficke

Geoff Ficke has been a serial entrepreneur for almost 50 years. As a small boy, earning his spending money doing odd jobs in the neighborhood, he learned the value of selling himself, offering service and value for money. After putting himself through the University of Kentucky (B.A. Broadcast Journalism, 1969) and serving in the United States Marine Corp, Mr. Ficke commenced a career in the cosmetic industry. After rising to National Sales Manager for Vidal Sassoon Hair Care at age 28, he then launched a number of ventures, including Rubigo Cosmetics, Parfums Pierre Wulff Paris, Le Bain Couture and Fashion Fragrance. Geoff Ficke and his consulting firm, Duquesa Marketing, Inc. (http://www.duquesamarketing.com) has assisted businesses large and small, domestic and international, entrepreneurs, inventors and students in new product development, capital formation, licensing, marketing, sales and business plans and successful implementation of his customized strategies. He is a Senior Fellow at the Page Center for Entrepreneurial Studies, Business School, Miami University, Oxford, Ohio. Article Source: http://EzineArticles.com/?expert=Geoff_Ficke http://www.pippoproducts.com/familyfinance/index.html

Thought Provoking Book - Makes You Go "Hmm"

Ok, a couple of disclaimers right up front: 1)SuperFreakonomics is a follow-up book to the authors' first book - Freakonomics. I didn't read Freakonomics, and as it turns out, you don't have to read the first one to get the second one - these aren't vampire novels; 2) More than likely, I would not have read Super Freakonomics if I hadn't been sent a copy to review. Why? The word "freakonomics" is way to close to the word "economics" which, for a creative person like me, is a topic much like a bottle of wine - puts me right out. But I will tell you this - freakonomics is MUCH more interesting than plain, old economics. Here's why:

In spite of the overly witty full title - SuperFreakonomics Global Cooling, Patriotic Prostitutes, and Why Suicide Bombers Should Buy Life Insurance - the book is actually a fascinating tale of how economics plays into even the most bizarre areas of modern life. I guess that is what authors Steven Levitt and Stephen Dubner wanted to convey with that extravagant title - they should have just let the content speak for itself, but I know, its all about getting people to OPEN the book, I get it, really.

So anyway, back to Super Freakonomics. I really enjoyed this book! I did snooze a bit through Chapter 3, but for the most part, here are two guys with nothing to gain except royalties. They don't seem to have an overt political bend. They don't seem to want to convince me that there is only one right way to do things. They're not selling me anything I don't already own. But what they are doing is taking incongruent subjects, like Al Gore and Mount Pinatubo (ok, not TOTALLY incongruent), prostitutes and Santa Claus, real estate agents and pimps, and telling me that they do actually have something in common and here's how it effects my life.

You see, we tend not to draw the comparisons Steven and Stephen have drawn in Super Freakonomics. Most of us don't want to see these connections or can't because we only really look at the surface of things. The Steves have penetrated that surface and dove down deep. They've brought to light some things that make you go, "hmm." Such as the hand-washing rate of doctors - YES YOU HEARD ME. You'll have to read that chapter for yourself as its quite disturbing.

All in all, its a thought-provoking book that I highly recommend you read. If for nothing else than to give you a little perspective on the world around you, how we got here and where we can hope the future brings us. There's a lot of what I believe is truth, in this book. The chapter on Global Warming is really a good one. But so is the Monkey chapter.

Levitt and Dubner have clearly done a ton of research and another ton of analysis. Typical economists... But untypically, they've written this book in such a way to make it all relevant to what's happening in our world today. Thumbs up.

P.S.: I may just read Freakonomics now...

Joyce Dierschke is a professional writer living in Nashville, TN. She writes on a variety of subjects including spirituality, religion, wellness, pets and more. If you're looking for high-quality, custom content suitable for websites, magazine, e-zines, newspapers, newsletters or blogs, please contact Joyce. For more information or to contact Joyce, visit:http://www.JoyceDierschkeCopywriting.com Article Source: http://EzineArticles.com/?expert=Joyce_Dierschke http://www.pippoproducts.com/products

The New Wellness Revolution by Paul Zane Pilzer

This updated look at the up and coming trillion dollar wellness industry expounds upon the original Wellness Revolution by Paul Zane Pilzer. This industry has already grown to over $500 billion and it is still in its infancy. The book lays a foundation covering our current health crises in America and explains the need for changing the paradigm of the sickness industry to a focus on wellness.

From a discussion on the misconceptions about the food we buy and eat, to the dangerous pharmaceutical industry and the maintenance drugs that they sell us, and the need for extensive reform of health insurance, Paul dissects the sickness industry and calls out the perpetrators who continue to profit on our sickness. Mr. Pilzer then explains several major business opportunities found in changing this industry by helping others through wellness programs, including a major focus on the direct sales industry and its roots in wellness products.

I highly encourage everyone to explore the opportunities found within the pages of this great book. The health research alone provides great advice and certainly some eye-opening statements that will make you rethink your own health and nutrition.

What you will find inside:

• The need for wellness and the baby boom generation
• Nutrition and problems with food and diet
• Making a fortune in food
• Making a fortune in medicine
• Important health insurance problems and solutions
• Financing your wellness through new health insurance solutions
• Making a fortune distributing wellness
• The roots of wellness products and distribution through direct selling
• Tips for the staking your claim in this upcoming revolution

Jamie Bennett is a managing member of Jamison Projects LLC, a leading Infopreneuring firm dedicated to partnering with like-minded alliances and having a stewardship approach to our resources through our 50/50 program. Jamie is a husband, father, Christian, learner, leader, and lover of life... "I will never be a follower, but will always be a student." Blog Posts at: http://mlmwellnessnetwork.com/Blog Article Source: http://EzineArticles.com/?expert=Jamie_Bennett The New Wellness Revolution: How to Make a Fortune in the Next Trillion Dollar Industry http://www.pippoproducts.com/business/index.html

Stop Taxing Me to Pay For Other People's Expenses

The Tax Revolt this time was peaceful, will that continue as inflation rises, taxes rise and standard of living fails? There are after all more nightmares to come in our overall economic health in America. For instance; Medicare is a nightmare and major financial crisis for this nation. Social Security is nothing more than a Ponzi Scheme Time Bomb. How big are these monsters amongst us? Try 110 Trillion Dollars? How much is that?

Well, it's about twice as much as all the assets owned by every US Citizen, that's how much it is. Interestingly enough, the Democrats want to increase the coverage, and dig us deeper into the next major crisis. Is it any wonder that there was a bit of tea being thrown around on Tax Day 2009? I would recommend that everyone read;

"Free to Choose" by Milton and Rose Friedman in 1980.

In this book he explains how unethical it is to take or steal money from you and I and then use it to pay for other people's needs and why such a fundamentally flawed system is bound to fail, regardless of the issue that it is currently a Ponzi Scheme. Ponzi Scheme in that money is taken in the form of payroll income taxation and then spent in the general fund, then the government borrows money to pay for the services they promised as they come due.

Obviously, this way of misappropriation is so very similar to the Madoff Case and to think it is our own government doing it, well, that ought to make anyone's tea boil? Think on this.

Lance Winslow enjoys community philanthropy - Lance Winslow likes small business. Lance Winslow has also been involved in the Oil Industry; http://www.oilchangeguys.com/aboutus.shtml/. Article Source: http://EzineArticles.com/?expert=Lance_Winslow http://www.pippoproducts.com/products3.html