work
the mirror
Chris
Gardner had a rough life to say the least. There was a point in time
where he and his son were sleeping in subway bathrooms. He didn’t
make enough money at the time to provide for his family, but he was
determined nonetheless. Eventually, with hard work and a bit of luck
he surpassed his obstacles. I could go on to tell you how incredibly
successful he became, but watching the film based on his story might
be better (warning: it’s a tear jerker). The bottom line regarding
this is the importance of monetary gains. Some people feel that money
can’t buy happiness, and to an extent they are right. However, at
the same time, money can put a down payment on anything you need and
unlike people money does not judge you (and neither do we). How you
earn your income is all up to you. Throughout our lives my associates
and I have done all sorts of work to generate a source of income.
Those who try to humiliate the hustle do not understand what it is to
hustle. This never deterred us nor were we embarrassed by what we did
for employment, but not everyone is like us. If you feel ashamed by
your source of income or feel you will be judged prematurely from it,
glorify your job. If you pick up trash, say you work for the
department of power and water. If you’re a stripper, say you are a
professional dancer. If you sell illegal drugs, you are a salesmen
for a pharmaceutical company. Be vague when describing the details of
your job, it’s your money, not theirs. At the end of the day it’s
all about assets and liabilities.
Assets,
in a simpler light, are your possessions that hold some value to you.
From cash in your pocket, to land that is in your name, it has some
worth to you. Since childhood we understood the value of a dollar.
When we wanted something from some establishment our parents would
have to pay for it (or we’d train our fingers on speed and
concealment). To continue to emphasize how important money is,
generally people would buy clothes they dislike, travel to places
they detest, and perform tasks that are equivalent to watching a
rabbit eat for income. We propose to, first of all, gain employment
in a career field in which you know you will excel. If you’re good
at something, you should never do it for free. Doing a task with
minimum effort, while exceeding expectations of the task at hand,
will make you more effective and efficient. A second alternative is
to do something you genuinely care about. Usually when the ambition
is fueled by a cause you truly believe in, the money will quickly
follow. Unfortunately, you can’t take the good without the bad; so
when the cash does arrive expect liabilities.
Death
and taxes are here to stay, no one can change this. For some reason
some people actually hate taxes more than death, but we hope they
have them. Liabilities are pretty much anything that will one way or
another going to cost you. The sooner you understand what your
liabilities are, the sooner you can prioritize them. It is imperative
that you start out with what is most important to your well being:
shelter, food, clothing, transportation and a source of information
are all vital liabilities that you must attend to. For those who have
children, you might as well double each bill accordingly. Anything
after this should be considered a luxury (it varies for everyone).
These kind of expenses do not last long but at the office we
understand that the more luxuries you have the longer they will last
(we will explain later on). Understand one thing, while going through
this life, there is no formula for it. So with that said, here is one
simple equation to remember: Assets over Liabilities.
This
is your scale of currency: the assets you posses over the liabilities
attached to your name. The moment credit cards come into
play you’re messing with unforeseen liabilities. Avoid paying
anything with foolish plastic, in this world cash is still king. If
someone tells you that you can’t buy a house unless you have some
form of credit, show up with cash on hand and that argument becomes
mute. For those who have more liabilities than assets we will present
you with three options. The first is removing the bills you currently
have. This is the longest and sometimes the most difficult to
complete depending on the ratio. One way or another, they have to be
removed and never repeated. This also goes along with your spending
habits. If clothes are something you have to purchase, buy something
you will get the most use out of, not something you will wear only
one night. How you take care of it is up to you but do not ignore
them. The second option is to increase your assets. You’re good at
what you do; make sure those above you realize this. Staying at an
establishment long enough while being a top worker means nothing if
it isn’t witnessed. Ask for a raise in a subtle manner depending on
the relationship with those above you. If that’s not an option,
start looking elsewhere. Once they catch wind that you’re looking
for new employment, then you might be able to shake something out of
them. If this still doesn’t work, leave. If they won’t value you,
someone else will. Your third option is to do nothing and let the
ones more efficient than you leave you behind.
People
are always looking for ways to get rich quick. With the exception of
the lottery, this does not exist. What does exist is how simple it
really is to accomplish this. Obtain as many assets as possible while
eliminating liabilities that threaten your effectiveness. How you do
it, is up to you. We don’t know your situation, but if we do we can
guide you in the right direction. Practice this lifestyle of spending
in your daily routine and you will see saving money will come
naturally. Whatever luxury you desire will be yours as long as you
have the scales tipped in your favor. Also life has a weird way of
making itself known in the universe with emergencies but let it be
known you want to be that person to count on when you get a phone
call, not the one that says "uhh I don’t have it". This
last bit of advice comes from the person who named our company (Thank
you Juan): If someone else didn’t put money in your pocket, he
shouldn’t know how much is in your pocket. You worked for your
money, only you and the government should know how much you have.
Please
stay tuned and sign up with your email to get updates on our blog.
Feel free to post questions or any remarks you feel that need our
attention in the comment box and we will respond accordingly. And
please feel free to spread the word, you may not need this guidance
but you may know someone who does. Each one teach one.
Stay
Classy World,
Johnny
Cavarichii and Associates
Investment
Tip #3: Never lie to people you pay to save your life
