It really is, All about YOU!

Money, how to keep a lot more of what you earn


As we know &/or may have painfully realized, most peoples RRSP's, Pensions, Stocks and Bonds, most often, do not provide an acceptable rate of return for themselves or their families.

However, your investments DO pad the pockets of bankers, money managers, stock/investment brokers, lawyers & accountants. They make more from your money than you & it's YOUR money!! 

With your money invested in the markets, GIC's, RRSP's, RIFF's, Annuities etc, you only have control of your investments three times; when you buy, what you buy and when you sell.

One of the funny things about the stock market is every time someone buys, someone sells, & both think they are astute   William Feather

Asking Wall Street to provide financial education is the same as asking a fox to raise your chickens.  Rich Dad

Saying that financial literacy means diversification is just another example of the fox teaching the chickens. Rich Dad

All investments in the markets must increase in value to increase your net worth & all the gains your investments enjoy, is generally taxable at the highest tax rate. Revenue Canada, your bankers, money managers, lawyers & accountants love you.....  You are providing them with wonderful lives & high living standards.

Whether or not your investments increase, stay the same or decrease in value, your bankers, money managers or stock /investment brokers, will more often than not, make far more money of your investments than you will.

Isn't it time to consider taking control of your investments yourself? You can make far more money with certain investment strategies whether or not the market value increases, stays flat or even declines.

Inflation IS a SILENT TAX & Governments love it. Consider making a far better return, having total control over your investments & pay less income taxes. That's a Win/Win opportunity everyone can take advantage of.

You have heard the line from your money managers & bankers way too often, "you know these investments are a long term hold & they will bounce back, you are in for the long haul, aren't you?" Trust me, don't panic and sell, you'll loose your shirt!

What they won't tell you .... is, (I, your bankers, stock or investment managers etc) will loose my income when you cash out! Generally, they make 3 1/2% per year off your investment & THEY get paid FIRST, you get whats left over.

Gambling is a sure way of getting nothing for something   Wilson Mizner

Take it upon yourself to figure out how much of your money you have put into each of your investments & how much of today's net value is interest earned or appreciation. Then figure out how soon you can reasonably, be fairly certain they will increase five fold?

Say for example, say you have $100,000 (pre-tax) invested, how long has it been invested and what is it worth today & when will it be worth $500,000 and how much tax will be due when your investment is cashed in? (ie; 42% of $500,000 = $ 210,000 in taxes, leaves you with only $290,000) ($100,000 in and $290,000 out means you made a profit if $190,000)

Would you be interested in turning your $100,000 of tax paid earnings into $500,000, which is a $400,000 profit, tax free while having 100% control of your investment, and over a period of 15 to 25 years, with ZERO appreciation built into the calculation, have a generous monthly cash flow as well, without selling?

Do you remember Aesop's Fable about the farmer and the Golden Goose? Would you like to have your own flock of Golden Geese? If so, call me at 306 227-7892 to arrange an appointment to get your flock growing.


Yes, it seems the rich get richer, while most stay just under broke, WHY?

Approximately 53% of Canadians are two pay cheques from bankruptcy (regardless of address or position in life or profession) because most are spending 103%+ of what they earn.

We are living in a society that makes us feel we should have everything RIGHT NOW and if we don't rush out and buy it Right Now, we'll be a loser! This idea of keeping up with others is totally wrong. Let the rats stay in the rat race, get out and you'll prosper at a much faster rate.

Get over thinking that Instant Gratification Takes Too Long!!!    Because, Instant Gratification = BEING BROKE

We do get what we think about, give energy and focus on. What we think about, we attract, GOOD and BAD! You must decide what you're going to think about, for the rest of your life. (Law of Attraction: by Michael Losier)

You recognize that you are 100% responsible for your finances but, it seems that every day, someone has their hand out looking for some of your money, ie; mortgages, car loans, credit card debt, utilitiy bills, shiny stuff and the list goes on and on.

However, do you realize that you and only you, are also totally responsible to create your own wealth, this responsibility is not your employers, not the governments, not your parents, not your teachers....yours!

Quote from the "Wolf on Wall Street";  The name of the game is to move your clients $ from their pocket to your pocket. #1 rule is no one knows of the stock in going up, down or sideways, or in circles, least of all stock brokers. It’s Fuggaizze, its fairy dust. It doesn't exist, it’s not on the elemental charts. It ain't real. We don't create anything we don't build anything, so if you have a client that bought stock at $8, it goes to $16 & he's all happy & wants to sell take him money and run home. You don't let him do that cause that would make it real. You get another brilliant idea, a special idea, special situation, special stock you re-invest his earnings & then some & they will buy every time because they are addicted & you keep doing this again & again & again, meanwhile, he thinks he getting rich, which he is on paper, we brokers are taking home cold hard cash via commission


Three facts that everyone must realize are:

#1. It's alright to be rich, (actually we are obligated to become rich)

# 2. It's alright for "YOU" to be rich

# 3. Even you, can become rich beyond your wildest dreams.

Rules of the universe to becoming rich.

#1. Pay yourself first, every time you get paid or receive money from any source.

#2. Spend less than you earn.

# 3. Learn to live on less. (from Secrets of the Millionaire Mind: by Harv Ecker)

Very simple rules, but rules the masses never pay attention too and then they wonder why they're always broke!

The next step on your path to becoming rich (doing, giving and having what you want, without any concern about money), I strongly recommend that you buy and READ (numerous times) the following books and then do what the authors say. When you do, you'll be amazed at what you WILL accomplish. Each book listed, is a must read.

A quote by Donald Trump: "Nothing is easy, but who wants nothing?"

A quote by Steve McKnight: "Nothing in your life will change until you change the way you spend your time." In other words, you must educate yourself about time, money, compound interest and wealth.

Another Steve McKnight quote: "You will NOT get full time outcome with part time effort!"

If you don't like where you are at in life, what are you doing to change it?

The best investment you'll ever make, is in yourself. It really is "ALL ABOUT YOU & YOUR FUTURE"!

Some of the best tools you'll ever find are below, the rest is up to you. Take action, Do it NOW!

We need banks and lenders BUT, always remember, lenders are not your buddies. All banks and lenders (selling consumer goods etc)  main goal is to sell you as much money for as long as possible at the highest rate. They have no interest in YOUR Financial Future, only THEIRS. Get out of debt  as soon as possible (debt you can't deduct from income). YOUR DEBIT IS THEIR ASSET!!

Read, TAKE ACTION & enjoy your freedom. Yes, you really will amaze yourself! Take ACTION NOW!   Call Norm & get started today.


Secrets of the Millionaire Mind  by Harv T Ecker

Why "A" Students work for "C" Students & "B" Students work for the Government  by Robert Kiyosaki

Conspiracy of the Rich  by Robert Kiyosaki 

The Creature From Jekyll Island by Edward Griffin  A Second Look at the Federal Reserve

The Great Deformation by David Stockman - The Corruption of Capitalism In America

Never Split the Difference    Chris Voss

Thinking Fast & Slow    Daniel Kahneman

Never Split the Difference    Chris Voss

Thinking Fast & Slow    Daniel Kahneman

The Problem With Socialism     Thomas DiLornzo

Inconvenient Facts  Gregory Wrightstone

Bargaining With the Devil   Robert Mnookin

Split-Second Persuasion   Kevin Dutton

Barking Up the Wrong Tree   Eric Barker


Difficult Conversations Douglas Stone, Bruce Patton, Sheila Heen


Getting to Yes       Roger Fisher & William Ury


Bargaining With The Devil     Robert Mnookin


The Invisible Gorilla      Christopher Chabris & Daniel Simons

The Subtle Art Of Not Giving A F***  Mark Manson


Getting to No    Jim Cramp


Split-Second Persuasion    Kevin Dutton

The Great Deformation by David Stockman - The Corruption of Capitalism In America


World Order by Henry Kissinger

Rich Dad's Prophecy by Robert Kiyosaki

Think & Grow Rich  by Napoleon Hill

The Speed of Trust by Stephen Covey

97 Tips for Canadian Real Estate Investors     by Don R. Campbell

81 Financial & Tax Tips for the Canadian Real Estate Investor  by Don R Campbell

Secrets of the Canadian Real Estate Cycle   by Don R Campbell

Real Estate Joint Ventures   by Don Campbell & Russ Westcott

Redefining Success    by Brett Wilson

Persuassion     by Arlene Dickinson

Decisions    by Jim Treliving

Cold Hard Truth     by Kevin O'Leary

The Midas Touch    by Donald Trump & Robert Kiyosaki

Family Wealth - Keeping It In The Family   by James E Hughes Jr

Predictably Irrational  by Dan Ariely

The Ultimate Secret to Getting Abslolutely Everything You Want   by Mike Hernacki

The Millionaire Next Door by Thomas Stanley

Investing the Billionaires Way  by Richard Charlton (available from Dundee Securities-& maybe free)

The Speed of Trust by Syephen Covey

Life Lift by Rex Crain

The Magic of Thinking Big by David Schwartz

Resentment Against Achievement  by Robert Scheaffer

The World is Flat  by Thomas Friedman

A Complaint Free World  by Will Bowen

Think Like A & Billionaire   by Donald Trump

Asset Protection 101 by JJ Childers & forward by Donald Trump

Wealth Building 101 by Donald Trump

The America We Deserve   by Donald Trump

Rich Dad, Poor Dad   by Robert Kiyosaki

The Cashflow Quadrant  by Robert Kiyosaki

Rich Dad's Guide to Investing by Robert Kiyosaki

Why We Want You To Be Rich   by Donald Trump & Robert Kiyosaki

Tax-Free Wealth by Tom Wheelwright & endorsed by Robert Kiyosaki

Law of Attraction  by Michael Losier

The Automatic Millionaire   by David Bach

Bad Childhood-Good Life: How to Blossom & Thrive in Spite of an Unhappy Childhood. Dr Laura Schlessinger

The Gifts of Imperfection. by Brene’ Brown

Daring Greatly - by Brene Brown

How We Decide by Jonah Lehrer

Forgiveness: The Mystery & Miracle   by Annette Stanwick

The Richest Man In Babylon by George Clason

The 7 Habits of Highly Effective People by Stephen Covey

The Tipping Point by Malcom Gladwell

Blink by Malcom Gladwell

Outliers by Malcom Gladwell

David & Goliath by Malcom Gladwell

Who Will Cry When You Die  by Robin Sharma

Don't Sweat the Small Stuff.....  by Richard Carlson

The Coming Economic Collapse by Stehpen Leeb

The Ultimate Secret To Getting Absoutely Everything You Want by Mike Hernacki

Three Cups of Tea by Greg Mortenson

The Dollar Crisis by Richard Duncan

The Success Principales by Jack Cranfield

The Tao of Warren Buffett  by Mary Buffett & David Clark

The Snowball (Warren Buffett & the Business of Life)  by Alice Schroeder

Letters from a Stoic by Seneca

The Message of a Master  by John McDonald

Meditations  by Marcus Aurelius

The Autobiography of Benjamin Franklin

University of Success by Og Mandino

The Magic of Believing  by Claude Bristol

Siddhartha by Hermann Hesse

Psycho-Cybernetics by Mawell Maltz

The Power of Your Subconscious Mind by Joseph Murphy

As a Man Thinketh by James Allen

Flow by Mihaly Csikszentmihalyi

Life is Tremendous by Charlie Tremendous Jones

The Age Wave by Ken Dychtwald

The Popcorn Report by Faith Popcorn

Unlimited Power by Anthony Robbins

How I raised Myself From Failure To Success by Frank Bettger

Top Preformance by Zig Ziglar

Getting Through To People by Jesse Nirenberg

The Greasted Salesman In The World by Og Mandino

The Greasted Salesman In The World (part Two) by Og Mandino

Resentment Against Achievement by Robert Sheaffer

Verbal Judo by George Thompson

If It Ain't Broke...Break It! by Robert Kriesel

I Can See You Naked by Ron Hoff

The Wealthy BArber by David Chilton

How To Win Friends & Influence People by Dale Carnegie

All You Can Do Is All You Can Do, But All You Can Do Is Enough by A.L.Williams

Your Answers Questioned by Osho

Where Have All The Leaders Gone by Lee Iacocca

The Dip   by Seth Godin

The Celestine Prophecy   by James Redfield

The 10th Insight   by James Redfield

The Celestine Vision  by James Redfield

The Four Agreements - by don miguel ruiz

The Fifth Agreement - don miguel ruiz


I look forward to working with all who are prepared to take action and do what it takes to improve their lives.

Sincerely, Norm Osback

Norm Osback
Norm Osback
250 - 1820 8th Street East Saskatoon SK S7H 0T6