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 | 
