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All posts by sam
Breaking Point
What is your breaking point? What’s it going to take to get you off your ass and start doing something? You have been talking forever about how you better figure out this whole internet thing before it;s too late. Before you get laid off, salary decreased, mortgage becomes unbearable or the back taxes you owe just overwhelm you.
More than likely you have waited too long and all of the above have happened or are in the process of happening. You need to make a decision. Either say the hell with it and get another job maybe 2 or take action. It’s that easy. At least that is what all the so called gurus say, just “take action”. So why can’t you?
Is it because your entire life you have never had someone really believe in you or push you to follow your dreams? Some people are shot down at an early age by being told that “you can’t do that”, or “that is stupid, why would you want to that.” Have you had a similar experience?
I know a story of a little girl who was a junior high track star, excelled at everything she did and was invited to go to the junior olympics. One of her teachers thought that because of her low math scores, not failing just low, she ought to go to summer school. She couldn’t both go to summer school and go to the summer olympics, she had to choose. In jumped the parents.
Parents are supposed to be your greatest advocate, your mentor, your cheerleader. However that is all too common not the case. These parents in their infinite wisdom made this little girl go to summer school. She would never have that opportunity again. In that one instant her life was altered. Her “mentors” basically told her that following your dreams is for the birds, foolish and bad. As a result she was never allowed the opportunity to believe in herself, to either succeed or fail on her own merits.
In order to take action you need a motivating force. Typically it is one of two reasons that provide that motivation. Either there is someone you respect and admire that you want to please or you are backed into corner and you have no other option. Both are effective but neither is sustainable without one key additional piece. If you don’t believe in yourself, believe that you are worthy, believe that there is no possible way for you to fail then you will find a way to self defeat. Guaranteed.
If that little girl would have been allowed to follow her dreams, to fail or succeed on her terms, who knows, maybe she would have seen that it is okay to lose a race but at least she was in the race. She would have that feeling of what it is like to give it your all and be okay with the results, whatever they were, knowing you gave it all you had. From that you learn what to do better next time. Instead, for the rest of your life all you can say is, “What if?”
Everyone out there who is not succeeding on the internet right now has a similar story somewhere in their past. At sometime when you needed it most a mentor did not believe in you and you did not learn how to believe in yourself. All you needed was a word of encouragement, a pat on the back, a simple “We believe in you”. Instead the rest of your life has been spent trying to figure out how to find that belief in self, that ultimate key to the life of your dreams. I wish I had a golden nugget to share, the one thing that will turn on the belief, an easy answer, but I don’t. That golden nugget is different for us all, you just have to find it within yourself.
University Of Texas Takes Delivery Of 1 Billion In Gold
If Universities are investing this heavily in physical gold then the masses will soon follow.
A Golden Tipping Point: University of Texas Takes Delivery Of $1 Billion In Physical Gold
Submitted by Tyler Durden on 04/16/2011 19:59 -0400
Black Swan Central Banks Kyle Bass Precious Metals Reality
Tipping points are funny: for years, decades, even centuries, the conditions for an event to occur may be ripe yet nothing happens. Then, in an instant, a shift occurs, whether its is due a change in conventional wisdom, due to an exogenous event or due to something completely inexplicable. That event, colloquially called a black swan in recent years, changes the prevalent perception of reality in a moment. This past week, we were seeing the effect of a tipping point in process, with gold prices rising to new all time highs day after day, and the price of silver literally moving in a parabolic fashion. What was missing was the cause. We now know what it is: per Bloomberg: “The University of Texas Investment Management Co., the second-largest U.S. academic endowment, took delivery of almost $1 billion in gold bullion and is storing the bars in a New York vault, according to the fund’s board.” And so, the game theory of a nearly 100 year old system of monetary exchange has seen its first defector, but most certainly not last. With an entity as large as the University of Texas calling the bluff of the Comex, the Chairman, and fiat in general in roughly that order, virtually every other asset manager is now sure to follow, considering there is not nearly enough physical gold to satisfy all paper gold in existence by a factor of about 100x. The proverbial Nash equilibrium has just been broken.
From Bloomberg:
The fund, whose $19.9 billion in assets ranked it behind Harvard University’s endowment as of August, according to the National Association of College and University Business Officers, added about $500 million in gold investments to an existing stake last year, said Bruce Zimmerman, the endowment’s chief executive officer. The holdings are worth about $987 million, based on yesterday’s closing price of $1,486 an ounce for Comex futures.
Years from now, when historians attempt to define who may have started it all, one name may emerge…
The decision to turn the fund’s investment into gold bars was influenced by Kyle Bass, a Dallas hedge fund manager and member of the endowment’s board, Zimmerman said at its annual meeting on April 14. Bass made $500 million on the U.S. subprime-mortgage collapse.
“Central banks are printing more money than they ever have, so what’s the value of money in terms of purchases of goods and services,” Bass said yesterday in a telephone interview. “I look at gold as just another currency that they can’t print any more of.”
In summary – the fiat tide is now going out. And among those who will first be observed swimming naked are the very same people whose fate has been so very intrinsically linked to the perpetuation of a flawed regime (and who coined this very saying). In the meantime, hold on to your hats: should a scramble for delivery ensue, the recent parabolic move in various precious metals will seem like a dress rehearsal for what is about to transpire.
The only open question is who was the broker with enough gold to deliver to the UofT. We hope to find out soon enough. We also hope that the UofT is smart enough, and that Kyle Bass advised it, that if they are getting “delivery” in a Comex vault in New York, the gold has likely already been leased out at least several times to various entities demanding paper allocations…
Have A Happy Thanksgiving
Enjoy all the time you have with your family and friends. Time is the on thing you cannot get more of. Be thankful for all the amazing opportunities you have at your fingertips.
Have a wonderful Thanksgiving.
Can The Middle Class Be Saved?
Unless you have been living in a cave for the last few years it is pretty evident that we are in uncharted economic waters. The article below provides clear evidence that the middle class is disappearing at an alarming rate. More and more people are going to be looking for a life boat to save them from the financial blackhole that they are being forced into. Internet marketing is just that lifeboat and we, as IM professionals are the manning the oars
The Middle Class in America Is Radically Shrinking. Here Are the Stats to Prove it
Posted Jul 15, 2010 02:25pm EDT by Michael Snyder in Recession
From The Business Insider
Editor’s note: Michael Snyder is editor of theeconomiccollapseblog.com
The 22 statistics detailed here prove beyond a shadow of a doubt that the middle class is being systematically wiped out of existence in America.
The rich are getting richer and the poor are getting poorer at a staggering rate. Once upon a time, the United States had the largest and most prosperous middle class in the history of the world, but now that is changing at a blinding pace.
So why are we witnessing such fundamental changes? Well, the globalism and “free trade” that our politicians and business leaders insisted would be so good for us have had some rather nasty side effects. It turns out that they didn’t tell us that the “global economy” would mean that middle class American workers would eventually have to directly compete for jobs with people on the other side of the world where there is no minimum wage and very few regulations. The big global corporations have greatly benefited by exploiting third world labor pools over the last several decades, but middle class American workers have increasingly found things to be very tough.
Here are the statistics to prove it:
• 83 percent of all U.S. stocks are in the hands of 1 percent of the people.
• 61 percent of Americans “always or usually” live paycheck to paycheck, which was up from 49 percent in 2008 and 43 percent in 2007.
• 66 percent of the income growth between 2001 and 2007 went to the top 1% of all Americans.
• 36 percent of Americans say that they don’t contribute anything to retirement savings.
• A staggering 43 percent of Americans have less than $10,000 saved up for retirement.
• 24 percent of American workers say that they have postponed their planned retirement age in the past year.
• Over 1.4 million Americans filed for personal bankruptcy in 2009, which represented a 32 percent increase over 2008.
• Only the top 5 percent of U.S. households have earned enough additional income to match the rise in housing costs since 1975.
• For the first time in U.S. history, banks own a greater share of residential housing net worth in the United States than all individual Americans put together.
• In 1950, the ratio of the average executive’s paycheck to the average worker’s paycheck was about 30 to 1. Since the year 2000, that ratio has exploded to between 300 to 500 to one.
• As of 2007, the bottom 80 percent of American households held about 7% of the liquid financial assets.
• The bottom 50 percent of income earners in the United States now collectively own less than 1 percent of the nation’s wealth.
• Average Wall Street bonuses for 2009 were up 17 percent when compared with 2008.
• In the United States, the average federal worker now earns 60% MORE than the average worker in the private sector.
• The top 1 percent of U.S. households own nearly twice as much of America’s corporate wealth as they did just 15 years ago.
• In America today, the average time needed to find a job has risen to a record 35.2 weeks.
• More than 40 percent of Americans who actually are employed are now working in service jobs, which are often very low paying.
• or the first time in U.S. history, more than 40 million Americans are on food stamps, and the U.S. Department of Agriculture projects that number will go up to 43 million Americans in 2011.
• This is what American workers now must compete against: in China a garment worker makes approximately 86 cents an hour and in Cambodia a garment worker makes approximately 22 cents an hour.
• Approximately 21 percent of all children in the United States are living below the poverty line in 2010 – the highest rate in 20 years.
• Despite the financial crisis, the number of millionaires in the United States rose a whopping 16 percent to 7.8 million in 2009.
• The top 10 percent of Americans now earn around 50 percent of our national income.
Giant Sucking Sound
The reality is that no matter how smart, how strong, how educated or how hard working American workers are, they just cannot compete with people who are desperate to put in 10 to 12 hour days at less than a dollar an hour on the other side of the world. After all, what corporation in their right mind is going to pay an American worker 10 times more (plus benefits) to do the same job? The world is fundamentally changing. Wealth and power are rapidly becoming concentrated at the top and the big global corporations are making massive amounts of money. Meanwhile, the American middle class is being systematically wiped out of existence as U.S. workers are slowly being merged into the new “global” labor pool.
What do most Americans have to offer in the marketplace other than their labor? Not much. The truth is that most Americans are absolutely dependent on someone else giving them a job. But today, U.S. workers are “less attractive” than ever. Compared to the rest of the world, American workers are extremely expensive, and the government keeps passing more rules and regulations seemingly on a monthly basis that makes it even more difficult to conduct business in the United States.
So corporations are moving operations out of the U.S. at breathtaking speed. Since the U.S. government does not penalize them for doing so, there really is no incentive for them to stay.
What has developed is a situation where the people at the top are doing quite well, while most Americans are finding it increasingly difficult to make it. There are now about six unemployed Americans for every new job opening in the United States, and the number of “chronically unemployed” is absolutely soaring. There simply are not nearly enough jobs for everyone.
Many of those who are able to get jobs are finding that they are making less money than they used to. In fact, an increasingly large percentage of Americans are working at low wage retail and service jobs.
But you can’t raise a family on what you make flipping burgers at McDonald’s or on what you bring in from greeting customers down at the local Wal-Mart.
The truth is that the middle class in America is dying — and once it is gone it will be incredibly difficult to rebuild.
Keys To Success By Lou Holtz
I recently heard an interview with Lou Holtz and was truly inspired. This is a man who has achieved amazing success both on and off the football field. After hearing that interview I started reading more of Holtz’s insights. What I ran across was his 5 keys for success.
1. Choose Your Attitude
In life you will face many difficulties and problems. It is guaranteed that life won’t be easy. You choose how you respond to adversity or difficulties. You choose how you respond to rejection. You choose how you approach life. Be self discipline and be enthusiastic about everything you do.
“You cannot let others people determine your attitude.”
“Life is ten percent what happens to you and ninety percent how you respond to it.”
“Show me someone who has done something worthwhile, and I’ll show you someone who has overcome adversity.”
2. Have a Passion to Win
You need to develop a deep passion to win. As you do, obstacles will slip away. If your passion is strong then there will be no obstacle that will keep you from being a success. You will pursue, persevere, and endure. You will sacrifice and have no excuses.
“You can evaluate your passion to win by what you are willing to sacrifice.”
“Focus on why you can win; no on why you can’t.”
“You’re never as good as everyone tells you when you win, and you’re never as bad as they say when you lose.”
3. Understand Your Purpose
Do you know your purpose? Your purpose is your WHY: the reason WHY you are pursuing your goals. You need to have clear objectives, and have a team ready to help you move towards your goals. Based on your purpose, ask yourself the WIN question: “What’s Important Now?” Ask yourself this at least 25 times a day. This will help you push back towards your purpose.
“If you’re bored with life – you don’t get up every morning with a burning desire to do things – you don’t have enough goals.”
“I can’t believe that God put us on this earth to be ordinary.”
4. Be a Dreamer
Your purpose should be connected to your dream. Have a dream, share your dream, and use your dream to identify your goals. Develop a dreams list of all the things you dream to do. Have something to do, something to hope for, something to love, and something to believe in.
“Don’t maintain where you are – everything is either growing or dying.”
“Don’t be a spectator. Don’t let life pass you by.”
5. Lift People Up
You need to develop and maintain meaningful relationships with others. Do what is right to others. Do everything to the very best of your ability. Show people you care. All the people you meet have their own struggles and are carrying some burden. They are just like you.
“Do right. Do your best. Treat others as you want to be treated.”
“If you burn your neighbor’s house down, it doesn’t make your house look any better.”
If we all follow these guidelines we will be better people for it.
Take Out The Trash
While trying to make it in this business all of us, at one time or another, have found ourselves being blocked by the trash in our heads. The doubts, the fears, the anxiety and all the other tapes that keep playing in our head to keep us from moving forward.
“Take out the trash” is a concept in the movie Peaceful Warrior which is based on the book by Dan Millman. The trash in your head is the one thing that is keeping you from living in the hear and now. The more we live in the moment, the more aware we are of our surroundings and the less chance there is of missing an opportunity that might present itself.
Everyone has trash that needs to be taken out. Some of us have more than others. I seem to have enough trash to fill a garage. To get rid of the trash you must identify the trash which can be difficult since you have been dragging it around most of your life. How many of you have a shirt in your closet you have not worn for 10 years?
Get to it. Start taking out the trash before it takes you out.
Sam Malinowsky
The Beginning
Welcome to my site. In the days, weeks and months ahead I will be providing you with my insight and giving you a roadmap to be successful on the internet. What you call success is known only by you. Are you looking for a way to provide a little additional income or would you like to become free to do what ever you want? It is in your hands.
I am a relative newbee and as such not as polished as the gurus. What I lack in knowledge I more than make up for in determination. I will share anything I learn and will show you what programs I use.
This is not easy nor is it quick, but the rewards are worth it. What is it worth to you to be truly free?
Thanks for reading and I look forward to working with you.
The time for dreaming is over. Start doing.
Sam Malinowsky