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  Developing a Wealth Mindset  

Wealth Maker or Wishful Thinker!
How to turn four non-financial resources (creativity, knowledge, time and opportunities)
into long lasting wealth


In a world and time when everybody focuses on income inequality and the Haves vs. Have-nots, most people are not aware of the fact that it doesn't really matter what (or how much) we have, but what we do with what we already have at any given moment. In this seminar, we address the common misconception that "wealth means lots of money" and we explain the role of money only as a medium for exchange. Further, we analyze how to build wealth through management of four critical (and nonfinancial!) resources that are available to everyone: creativity, time, knowledge (with its four levels - ignorance, information, knowledge and wisdom), and opportunities.Simply put, wealth is a consequence of consistent and wise use of these four resources, each of which can be wasted, spent, or invested. Like money, any of these four resources can be wasted (meaning releasing it without getting anything in return), spent (being exchanged for money or other resource) or invested (being released at the present time while it generates a future flow of benefits). Therefore, building wealth is not about a formula that will magically grow our stash of cash but rather, it’s all in the way we play the cards of life that we already hold in our hand.

Understanding Money, Currency and Credit
A common-sense analysis of our current
financial environment, stripped of sophisticated technical formulas and concepts


In the era of credit-ism, where money became just numbers in computers and fancy papers with no intrinsic value, many people claim that our financial world has become so complex that only specialists can understand it. This seminar answers, without going into technical formulas and sophisticated financial mumbo jumbo, the basic questions related to money and credit in a very direct and easy to understand manner, exploring both the true nature of money and currencies and the constant need for credit in our modern society. Today, money is such an important part of our lives. If we really want true financial freedom, it is mandatory to understand what is really happening and the factors that affect and influence our own lives.

Understanding Inflation and Deflation!
A sober consideration of the relationships between credit creation, spending patterns,
and price increases or decreases

Inflation and deflation are two of the most confusing topics to understand in the area of money, but knowledge and understanding of both are important because they affect our lives directly on a daily basis by the prices we pay for goods and services. In this seminar, we not only question mainstream media's definition of inflation or deflation but, even more intriguing, we analyze how its definition was distorted during the last half century in order to accommodate modern economic and financial theories.We also explore practical examples of the consequences of inflation and deflation and how we, by adjusting our spending patterns due to changes in our environment, unknowingly participate in the processes of inflation and deflation. We look beyond the technical aspects of credit creation and destruction and explore the psychological aspects that directly and indirectly affect price increases and decreases.

The Common Sense Overflow Model
How to define the purposes of savings, investments and credit and use
revenues to generate constant flow of passive income
In the area of personal money management, the Common Sense Overflow Model is a
concept connected to the idea of perpetual wealth and is about building a pool of assets that generate enough passive income to cover a person's living expenses, even when that person is no longer in the work force. Therefore, it is like a water reservoir where streams continuously flow in and one can take water out for consumption but the tank never gets empty.  In this seminar, we analyze the six areas of personal money management: income, expenses, savings, investments, debt and insurance. While we use a common-sense perspective to define purpose for each of these areas, we challenge some of the myths frequently presented to us by different players in the financial industry, especially when it comes to investments and debt.

Common Sense Cash Overflow Model

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