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  • Interpersonal intelligence: Are you usually liked naturally by most people almost immediately? Have you been told you have “something” or have “charisma”?  That in itself is a form of intelligence and can in fact be one of the highest paid geniuses.  Do people seem to trust you almost right away, without a good reason?  This means you have a magnetic personality and might be a great candidate to sell goods and services that you believe in to others.  Good sales people are not born, they are trained, but if you naturally possess a want to be around people and are genuinely interested in what makes them tick, you might have a leg up in this arena.  Selling can be one of the highest paid, most rewarding careers for the right person.  No matter what you do in life, thank a sales person because nothing in this world happens until something is sold!  I personally have always been blessed with the ability to make friends and maintain those relationships over long period of time.  I made it a point to also study sales techniques and strategies, and combining those two have given me a solid measure of success and income. One caveat with this intelligence: charming people with no true moral compass or sense of right and wrong are sociopaths.  Many a pure sociopath has been super charming and able to bilk people out of money for their own greedy purpose.  Make sure you use your power for good and not evil.  You can make money, help people, and not end up in jail!
  • Intrapersonal intelligence: Are you extremely self aware and have a natural ability to sense things about yourself and others? Can you help others explore and find tune their own inner workings?  Are you particularly spiritual?  Could you help people make big changes in their lives as a coach or mentor of some sort?  There are many people who don’t possess this ability naturally and if you do there is always a big demand for these types of services from those of us who are not gifted in this area.  I enjoy teaching and helping people but don’t believe I have any extra gift in this area.
  • Entrepreneurial intelligence: Do you have the ability to see a need in the marketplace and quickly develop a way to satisfy that need or want?  Do you get excited about the thought of launching your own business enterprise?  Would you like to bring your own (or maybe help others) bring their own goods and services to the market?   Would you like to have equity in your own business venture?  Being an entrepreneur is almost never measured by traditional tests but can be a very high paying and rewarding expertise to possess.  There is a saying that whoever knows “how” can always find a job, the person who knows “why” will almost always be their boss.  I wasn’t naturally born with this form of intelligence but have been able to develop a reasonably good talent for it in my adult years.  Just because you’re not a born natural, doesn’t mean you cannot be a success and even genius at being an Entrepreneur.  It will just require passion and work on your part.
  • Intuitive intelligence: Do you have the ability to forecast and look ahead? Do you have a natural gift to just know what to do and be right most of the time?  Do you have the ability to recognize what problems are within relationships?  Have you always been the peacemaker or go to person when people have troubles? Have you ever heard “blessed are the peacemakers?”  The ability to be intuitive with people’s emotions and know what they really need at their core has tremendous value in the market place.
  • Abstract or conceptual intelligence: This is the kind of brilliance that Einstein had but people didn’t know it for many years! The ability to think and map out things that don’t even exist yet or conceptualize easily what most people can never see in a hundred years.  This would be what is traditionally considered genius but with Einstein (and many other traditional geniuses) their early teachers didn’t see them as geniuses and they struggled with regular class work.  This will be much rarer than the other 9 geniuses but if you possess this kind of ability you could be paid great money to think light years ahead for society.  I can make no claim at all to this kind of intelligence. Can you?

Decide what areas you naturally possess gifts in and play to those strengths and stop working on your total weak areas.  This goes against traditional thinking but traditional thinking gets you traditional results.  If I were to waste my time with intelligence’s I don’t actually possess I can only achieve below average results at best even with much hard work on my part.  What will that actually get me in life? Nothing but frustration!

However, if I work on strengths I more naturally possess I might be able to achieve genius level in one or several areas and let others play to their strengths to help my weakness and vice versa.  Spend time making your natural intelligence’s even better and you will achieve genius level and have a happy and productive life.

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When I was in elementary and high school I was a terrible student. I was an average elementary student and beyond a terrible high school student.  There are many factors that contributed to those (mostly me as the only factor that really mattered) results that aren’t important to this discussion.

I recall taking standardized tests that were truly designed to put all of us into a few groups and classifications.  I believe most of this organizing is done with our best interests at heart but some are also done for the ease and convenience of the teachers and staff.  If you’re classified as a dope early on you seem to be put into classes with other dopes.  While this is necessary to keep students in classes with people who are at similar levels in their academics, it is dream crushing to most students in the “dope” classes.  It can also be fools gold for those students in the “smart” classes.

What teachers and administrators never tell you (because they can’t tell you what they don’t know) are that there are at least 10 areas of intelligence and only a couple can be determined by school and standardized tests.  If you’re diligent, a straightforward thinker, listen reasonably well, have a decent memory you should do well in traditional school.  If you aren’t particular good in some or all of those areas you can be made to feel stupid or inadequate.

buy clomid online of Harvard University said there were 7 areas of intelligence and only a couple of areas were part of traditional education and tracked by schools.  Since that study, 3 more areas of intelligence have been identified by leading researchers in human development.  We will name them in a minute and spend time on each one is subsequent articles.

However, before we get into that it’s important to equip parents, children, and teachers (when possible) to understand that there are many talents children posses or can acquire in many areas that aren’t on the educational systems radar.  Children should be encouraged to do their best in the traditional world of studies but even more importantly they should be assisted in finding their other intelligence’s (we all have more than just one) and time and effort be given to those areas so they might achieve “genius” levels in a couple of the intelligence’s.

As a young boy I was always disappointed that I never achieved extraordinary grades as many of my friends and classmates achieved.  Many achieved these grades with seeming ease and others worked diligently to pull great grades.  I was always the classic C student and often less than a C student.  This meant I spent many years feeling less than my class mates in the intelligence department and many of my teachers were alright with me understanding my place (or their place for me) in the world.

I remember being 13 years old and taking a standardized test and at the end the test suggested 3 areas that I would be suited to pursue and I recall not being thrilled with any of the 3 as all were relatively low paying and none were anything near prestigious.  This was disappointing and at such a young age it could have shot my confidence straight to hell.

Keep this in mind; always remember the success of the person telling you that you probably won’t amount to much and not to get your hopes up.  That person will always be low on the success scale themselves.  How do I know that?  It’s simple, people who are positive about themselves and others would never presume to tell someone that they don’t measure up and to prepare for a future of struggle and being unfulfilled.  Only unsuccessful people would think they have the market cornered on possibilities and attempt to put clamps on your future and ability.

Successful teachers and school administrators (not necessarily financially successful because those jobs are only going to pay so much, but rather successful with thriving students and adoring parents) who are great at what they do will certainly discuss the academic results with their students but always in an uplifting possibility driven conversation.

If people in a non teaching capacity are telling you how to be successful always be careful if you accept their advice. Are they successful in their own right?  Should you be taking advice from them at all or in any capacity?  Were they at one time successful but not as much now?  What could you learn from their mistakes?  Always decide the source of the feedback you’ve been given to see if it has any legitimacy.

Here are 5 of the 10 areas of knowledge and potential genius: (I will give you my assessment of my own ability in these areas and I hope you will do the same for yourself)

  • Math skills (ease with numbers in engineering, problem solving, or with money math including percentages and pro formas and other projections and planning). In my own case I failed many traditional math classes but yet now am considered an expert in money math and financial strategies. Most teachers told me to stay away from any kind of math. This would have been a multi-million dollar mistake for me, how about for you?  My results changed with numbers once I found areas that excited my mind and I could then see how these numbers talents could help me down my own path of life.
  • Verbal skills: This must be broken down into two categories:
  1. Traditional ability to spell, dissect, place, and copyright the written language
  2. The ability to speak and present the written word but in verbal form for presentations. You might be lousy with the written word but very talented at speaking and presenting.  I am above average with the written word and very good at presenting from a platform and training and selling. You? In school you get a huge dose of topic A and almost none of topic B which is a shame because B pays much better.
  • Physical: The ability to be fleet of foot, coordinated, strong, and work diligently at your physicality. While it is true we are all born with certain physical gifts (or not born) those gifts can be made infinitely stronger with diligent practice. I was born coordinated and a decent athlete but never worked on any area diligently enough to go above a moderate level  of success beyond what I was born with at the beginning
  • Musical: The ability to sing, dance, arrange music, write music, or even produce music for others is an area given little attention in traditional education.  Many are born with a natural gift for all or some of the above and other learn how to be experts with many hours of instruction and practice.  I love all kinds of music but don’t know the first thing on how to create it or produce a show of music and or dance. How about you?
  • Vision and space: Do you have a natural talent to look at a space and envision what that space could be either on a small or large scale? To know how things fit into certain spaces?  Can you just look at a space or a piece of land and get a great vision of what its highest and best use could be and how to make it happen?  People will pay big money for people who are talented at this and very few have this gift.  I myself am a total incompetent at this and always hire people who have this gift to give me the physical vision of a certain space.

 

Tune into the next article when we cover the other 5 categories of potential genius and how to develop each area in which you have a gift.

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Every time I hear someone say what a lousy place whole life insurance is to put money I always ask them to tell me why they think so……and I get the sound of silence.  They heard it from somewhere but don’t really know why they believe this myth. They believe whole life too expensive. Or it takes forever to build cash they can use.  Also, I am frequently asked about buying term and investing the difference in mutual funds instead.
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Self-Directed IRA’s are, unfortunately, a well kept secret… Well, this is one secret I won’t keep!

Do you know what at Self-Directed IRA is?  What it can own?  How it is different from a Traditional IRA?  I share with you some information on the Self-Directed IRA in this short video.

 

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Did you know it’s not preordained that you must lose money in the stock market?  If you use the strategies of indexing and resetting you can grow your money without the risk of stock market losses. Enjoy this quick video explaining these two powerful yet little used strategies and let us know if we can help further.

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This is a true story from a new client that describes almost everyone reading this today.

“John, I just got back to even this year on my retirement account after being down for about 8 years.”

Does this sound familiar?

I asked this client if he had ever heard about a reset and he said “no”.  If he understood a reset he would have never been in the tough situation of waiting for money to rebound to long forgotten high values.

You see, when your money has the power of a “reset” every year it is a game changer for the future value of your money.can you buy clomid over the counterEx:  You place money in a program that allows you to track an index instead of actually owing the underlying security.  Let’s say for the sake of example that the index you follow is at the level of 100 on the day your money starts tracking that index.

Let’s also assume that one year later that index is now 80 instead of 100.  This is a 20% loss that because of the way you have your money structured you did not participate in any loss whatsoever.  Your cash didn’t lose any market value even though that index you track is down 20%!  This is powerful in and of itself but it gets even better.

Now let’s say from the first day of your second year until the last day of that same year the index that went down to 80 rebounds that year to 90.  If this was a share of a mutual fund or a stock you would still be underwater 10%.  However, since you took advantage of tracking the index your cash went up the second year because your base for determining an index’s gain or loss “reset” back to the 80 level which it was at the end of the first year.

So, in year two, instead of being still underwater on your investment your cash grew by a percentage of the index gain from 80 to 90!  Would this have changed my new client’s end results?  The results would have been very different over that 8 year period by utilizing the power of indexing with the power of a reset.

Do you have money in the market right now you are hoping will grow over time providing you with a great retirement nest egg?  If you knew your money could never go backwards, would grow any year the index was higher than where it started from by using the power of a “reset” why would you still take on all the risk of the market?  There is no need to lose large amounts of money needlessly.

You can be in the market with a chance at real growth but never the downside risk.  Your money can also be guaranteed to provide you with lifetime income no matter how long you live.  Another benefit is you can use your IRA money or new money for this kind of program.

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safe online pharmacy to buy clomidJust a few short years ago, I was staunchly opposed to i want to buy clomid online uk, because that’s what I was taught by national “gurus” 25 years ago. I wholeheartedly believed (as many people still do) that if you need life insurance, you should buy a term policy, then take the difference in premiums between whole life and term and invest it in mutual funds.

So when a good friend of mine sat me down and tried to show me a whole life insurance plan, I nearly refused to listen. Many of you reading this will feel the same way, and nothing I say will change your minds. That’s fine — you’re entitled to your opinion just as I was entitled to mine.

Thankfully, my friend told me about “Investment Grade” life insurance. I soon realized that the gurus in my early years and the gurus of today were correct — based on the information they’d been given. The problem was their information was incomplete.

Whenever I hear a financial consultant (or anyone, for that matter) talk about less expensive premiums for term, I know they really don’t understand how this animal of properly designed “Investment Grade” whole life insurance really works.

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1. Principal protection guarantees of your money. Your cash value isn’t subject to market losses, as it is with mutual funds and other programs. When the stock market tanks again (and it’s never a question of if but when), you won’t lose a dime.

2. Guaranteed growth of your money every year. This will be interest-rate-driven based on the economy, but your account will move forward every year regardless of what the market does. This is compound tax-free growth and not the “average rate of return” you get with mutual funds. To be fair, in our current low-interest-rate environment, the growth rates are only in the 2 percent to 4 percent range but as you study further you start to realize the real wealth is not in the growth rate even when rates go higher.

Many financial advisers will tell you that your money would do better in a good mutual fund. But remember: When someone shows you an “best place to buy clomid online uk,” they can start taking that average from any time that benefits their example. This is not compounded growth but rather a factor of timing as to when you enter and exit the market. The stock market has wild swings; if that is acceptable to you, you should have much of your money in stocks. If not, maybe it’s time to consider a different way to think about investing. (Remember the period from March 2000 to October 2002, when the clomid fertility drug buy online uk? It’s been 16 years since the dot-com bubble started to pop, and the tech-heavy index stillbuy clomid online uk paypal. If you like guarantees and stability then you have no business putting most of your money in the stock market.)

3. safe place to buy clomid online uk to policy owners are not taxable. Dividends aren’t guaranteed, but many reputable life insurance companies have been in business for more than 100 years and they’ve paid out dividends every year. The amount of that dividend will depend on several factors, but it boils down to how much profit the insurance carrier made. When properly paid to the policy owner, those dividends are not taxable.

4. A high starting cash value amount, based on what you contribute to the policy. Whole life policies that aren’t properly designed will have very little cash value in the early years.

But a properly structured life insurance policy will have high cash value percentages, even in its first year, and they increase every year. This becomes an important fact when you realize that access to your cash will help you grow wealth systematically regardless of market conditions

5. Access to your cash value at any age, at any time, for any reason — without taxes or penalty. This is a is it safe to buy clomid online uk, which impose multiple obstacles if you want to access your cash before retirement, and penalize you if the funds you borrow from them are not paid back by a certain time and at a certain interest rate. No such obstacles exist with a whole-life policy. So leave your cash in the policy if you wish, or borrow it back out and use it, the choice is yours.

6. The ability to use your account’s cash value to recapture lost depreciation on major purchases and interest and fees paid to banks. If you treat this pool of money inside the life policy like your own personal bank, you can loan it out to yourself and others to create wealth. (More on this in future articles, but suffice it to say for now that banking has been around in some fashion for thousands of years. Any business model that lasts that long is worth understanding and using to your advantage.)

7. Guaranteed insurance. Once the policy is in place, your insurance is guaranteed for the rest of your life. Many people assume they’ll be able to buy new insurance at any point in their life. But nothing is further from the truth — especially for those who’ve been diagnosed with chronic or terminal diseases. If you become seriously ill, don’t expect to be able to buy a new policy.

With many whole-life policies, you can add an “accelerated death benefit rider” for little to no cost, which will give you access to a large portion of your death benefit during your lifetime if you have a terminal or chronic illness. I just had a colleague with a client who was diagnosed with Lou Gehrig’s disease, or ALS, and was sent a check from his insurer for more than 70 percent of the eventual death benefit. He’ll be able to enjoy his remaining time without worrying how he will pay his bills.

8. The ability to combine your life policy with the worlds of can i buy clomid online uk, private lending and auto financing to accelerate your wealth, both inside and outside of the policy. Just remember that any funds inside the policy are tax-free for life.

9. Protection from long term care and chronic care expenses. Well written policies with the proper companies could provide the ability access a portion of your eventual death benefit during your lifetime to help pay for assisted living or long term care expenses. This will insulate and protect your other wealth so you don’t spend a lifetime building wealth only to give it all back before you pass away leaving nothing for your family.

10. Death benefit. In addition to all the benefits you can make use of while you’re still here, at heart, this investment is still a life insurance policy, so when you eventually die, there will be a sum of money left behind to your beneficiaries — tax-free.

There’s a reason family dynasties, banks, and big corporations have been using life insurance for generations to grow and protect their wealth. Even when subject to estate limits, these death payouts go a long way toward promoting the tax-free, inter-generational transfer of wealth.

Of course, insurance company policies and riders will vary by state due to state regulations and depending on the actual insurance carrier. But you won’t find another type of account or investment that has all these benefits in one investment — not 401(k)s, IRAs, mutual funds, stocks, bonds, precious metals, real estate, nor any other account.

To engage with me further on this kind of policy, please email me directly at john@wealthwithoutstocks.com and visit our site at buy clomid online using paypal for many free videos, articles, archived interviews and more!

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