MISSION STATEMENT:
TO TEACH AND HELP OTHERS TO ACHIEVE LASTING FINANCIAL FREEDOM.

“We all have two choices; We can make a living or we can design a life” – Jim Rohn

Have you ever stopped to think why most people are always struggling financially and why some people have a life of financial abundance ? We did!
When we were younger we were constantly looking at others and wondering why they did the things they did. How most people have the problem of too little money while others had a problem of too much money. We looked at this and asked ourselves, “Which problem do we want?” We chose the problem of too much money!

“Choice, not circumstance, determine your success.” – Napoleon Hill

We want a life filled with abundance. We didn’t want a good life – we want a great life!

“If you do what you have always done, you get what you have always gotten.” – Anthony Robbins

Our life didn’t start out that way. How could it? Parents, school, friends and society had taught us from a very early age to be good employees and great consumers. The ‘go to school, get good grades, find a safe secure job’ mantra was drilled into our heads constantly. Heaven forbid you think outside the box. So what did we do? We went to school, got good grades, and found a safe secure job.

“The idea of working all your life, saving, and putting money into a retirement account is a very slow plan.
It will take all your life.” – Robert Kiyosaki

As time went on we followed societies path as so many others have done and still do. Get married, buy a house, save for retirement , credit cards, impulse buying etc etc. We were basically like everybody else in this instant gratification world, we had the doodads and were constantly looking for more.

By now thought, life was starting to get hectic – we were in ‘The Rat Race’ – Always broke, living paycheck to paycheck. Looking for a second job because we needed to make ends meet. This is no way to live your
life we thought. There has to be a better way. We were tired of never having any money and never having any time.

So one day we decided – enough! – we want a great life – we want to find out how other people do it, and we will copy what they do until we too have everything we want.

Our search for freedom led to us to a family member who loaned us a book to read. It was called ‘Rich Dad, Poor Dad’ by Robert Kiyosaki.
Now Robert Kiyosaki is a best-selling author who has been on the New York best-selling list for over 5 years!! 5 years, wow. The strangest thing about the Kiyosaki phenomenom is that he has become a financial mentor to millions of people by telling us things that we already know!

What Robert Kiyosaki does with his books however, is to open up your mind to new possibilities, to think differently to the average sheep who thinks that working for 60 years, so you can spend the rest of your life living on 1/3rd of what you can’t survive on now, is a good idea.
It rattles the grey matter to such an extent that you can only stop and say to yourself, “STOP - hang on here – this is so simply why didn’t I think of it?”
The problem lies in the fact that most of us have the knowledge, yet fail to act on it.

His one statement that had the most profound effect on me was this one.
“Know the difference between an asset and a liability, and spend your life buying assets.”

Plainly put, spend your life buying assets that will produce an income for you without you physically having to be there to do the work.
If you want to increase your expenses, you first increase your assets. When your income from assets exceeds your expenses, you are financially free and never have to work again. It’s a fundemental mind shift to note that retirement has nothing to do with age and everything to do with money.

Three months after reading ‘Rich Dad, Poor Dad’ we had sold all our doodads, given up our jobs and moved from our country of birth to start our great life in the tax free paradise of Grand Cayman in the British West Indies.

“Action is the foundation key to all success” – Anthony Robins

Yes! This is how life should be. Stunningly hot days, crystal clear and warm carribean waters, miles long white sandy beaches, palm trees, hammocks, a peacefulness that island life can bring, this laid back existence. Island time mon!!

There was one problem however. We were still actively working. We were still exchanging our time for that monthly paycheck. The only thing that changed in our life was the location and currency.
We had to redesign our mission statement and goals.

Our next step was to follow Robert Kiyosaki’s idea and look for income-producing assets to buy. Easier said than done let me tell you. We had to do our research. We had to increase our knowledge of the vehicles we would use to reach financial freedom. We looked around. We read huge amounts of information. We met a lot of people.

We met people who had lots of money, but no time. We met people who had lots of time, but no money. We met people who had neither time nor money. We met people who had plenty of time and plenty of money – these are the people we spoke to and learnt from.

We learnt that to have our great life we dreamed about we had to learn and do one thing.
Move quadrants.

You might be asking “What Quadrants are you talking about?”
Robert Kiyosaki’s 2nd book ‘The Cashflow Quadrant’ is in my opinion his best book ever. It highlights and explains the fundamental core differences between people based on which quadrant they earn their income from. This diagram here is the cashflow quadrant. On the left hand side we have Employee and Self Employed, and on the right hand side we have Business System and Investor. One rudimentary difference between the left hand side and the right hand side is that the people on the left earn their income actively – they have to work to earn, no work = no earn, whereas the people on the right hand side earn passive income – they can be on the beach and they will still be earning income.

“The only difference between a rich person and a poor person is what they do in their spare time.
If you work hard on the left hand side of the quadrant, you will work forever.
If you work hard on the right hand side of the quadrant,
you have a chance of finding financial freedom.” Robert Kiyosaki

Another interesting book to read is ‘The Parable of the Pipeline’ by Burke Hedges. He calls the people on the left hand side ‘bucket carriers’ – they exchange their time for money. As a bucket carrier there are only two ways to increase your income, firstly to carry buckets more often ie work longer hours, overtime or get a 2nd job; and secondly to carry bigger buckets ie get a raise(often includes spending more time at work) or get a higher paying job.

90% of the worlds population earn their income from the left hand side of the quadrant.
Alarmingly only 10% of the worlds wealth resides in the left hand side.

“JOB stands for Just Over Broke” – Robert Kiyosaki

What generally happens if an E needs more money? They start working a little overtime, or get a 2nd job to make ends meet, probably working late hours and on weekends. Sometimes they decide they can do a better job than their company they work for and they decide they are going to go it on their own and start a small business. They then earn their income from the S quadrant – still on the left hand side. Now most small business owners will tell you that they have ended up working harder than ever, for longer hours and the same pay. Whats more they are now the boss and they have all the stress associated with this position. Sometimes, depending on the business, they can’t take vacation time or time off because they are the business. If a dentist sits on the beach for a month, he doesn’t get paid for the month. The left hand side is an active income – you have to exchange your time for money. Doesn’t that sound wonderful – more time spent away from family and more stress? Not for me thank you.

“100 Million bucket-carriers can’t be wrong – HANG ON – They ARE wrong!!!” – Burke Hedges

The right hand side of the quadrant is where the Business Systems and Investors earn their income from. Investors are the people who have enough money to put into new business systems, property development etc. An Accredited Investor in the US is defined as: Natural persons who individually or jointly with their spouse have a net worth in excess of $ 1 million or Natural persons who have an income in excess of $200000 for the two most recent years with an expectation of such income in the current year, or those natural persons who have joint income with their spouse for such periods in excess of $300000 - See the Securities Act of 1933, Amended 1988 Rules 501*

How do you become an Accredited Investor you ask?
Trial and error, lots of knowledge and lots of money. As I have none of these qualities,
I have turned to the other half of the right hand side quadrant and that is the Business System.

So lets take a closer look at it. Major corporations with definitive business systems all fall into this quadrant. There are 3 similar systems within the quadrant and Robert Kiyosaki defines it as a business you, as the owner ,can leave for a year or more and come back to find it prospering and growing better than before you left. If a business wanted to expand its profits, it would simply have to expand the system to obtain them. I have no doubt that if Bill Gates went on a 5 year sabatical that Microsoft wouldn’t fall apart at the seams and would more than likely be bigger and better than before he left. Examples of traditional businesses are Walmart, Apple Computers, Ford Motor Corp, LG, Nokia etc etc you get the idea.

The 2nd subtype within the B quadrant is the Franchise System. You have all seen them, you have more than likely shopped in one before or used its services. MacDonalds, Burger King, etc etc If you want to open a franchise store, you pay for the rights to use their business system. If you want to expand your income you would open more stores. You cannot change the system in any way at all and face hefty fines and possible loss of the franchise if you do. Every single MacDonalds you will ever go to must look exaclty the same – everywhere in the world. That is the franchise system and therein lies its power. If you like MacDonalds burgers you know that they will be the same in New York as they are in Tokoyo as they are in Cape Town as they are in London. No doubt most of us can make a better burger than MacDonalds, but can you make a better reproducable business system than that ?

The 3rd system is a relative newcomer onto the scene, the Network Marketing model. Started around the 1950s this business system is reproducable by the average man in the street and this is what makes it a major success. Network marketing also has major benefits over traditional and franchise business sytems. If you follow the 12 points to the perfect business as outlined in the Dow Theory Letters you will see that most network marketing companies come the closest to a perfect business system:

1. They market to the world;
2. They have inelastic products;
3. Patented products;
4. No labour requirements;
5. Low overheads;
6. No large cash outlay or major capital required;
7. Cash billing, nothing on credit;
8. Relatively free from government regulations; (eat that Microsoft)
9. Portable and easy to move;
10. Satisfies your emotional and intellectual needs;
11. Leaves you with free time and
12. Most Importantly, your income is not limited by your personal output, it rather uses time leverage.

Burke Hedges calls people on the right hand side of the quadrant ‘Pipeline Builders’ They build pipelines to sustainable and passive income. The income will continue to flow once the pipeline is built regardless of whether they are actively at work or not.

10% of the worlds population earn their income from the right hand side of the quadrant.
Alarmingly 90% of the worlds wealth resides in the right hand side.

So this all begs the question – “How do I change my way of thinking and my way of earning income so that I am on the right hand side of the quadrant?” According to Robert Kiyosaki it is a pure learning process, one that can be taught to others. Luckily you can earn income from more than one quadrant at the same time. In other words I can stay at my job while still learning the process of moving to the B and I quadrants. When my income from the B and I quadrants exceeds my income from the E quadrant I am then free to leave the E quadrant and I will no longer have to actively work as my income will be passive.

“Your boss’s job is not to make you rich. Your boss’s job is to make sure you get a paycheck. It is your job to become rich.” – Robert Kiyosaki

For us it wasn’t much of a choice to make. It was quite obvious. We will continue to work on the E side of the quadrant using the money generated to invest it in income producing assets. We use our spare time build our own business system and gain the knowledge and skills needed to allow us to retire at an age when most others are less than halfway through their working time period. We could not take time away from our E side JOBs to build a traditional business, and besides Robert Kiyosaki says that is the hardest method of doing it and there are easier methods. We didn’t have the capital to purchase a franchise business system or to become an accredited investor.

That left us with one option, network marketing.
Of course its never a good idea to jump into any business venture without doing you research and it took us a few months to do that. There are a multitude of network marketing companies around these days. Some are ethical, some are not so ethical and some are just downright outrageous nonsense. Is anybody in their right mind going to actually fall for a website that say ‘New proven system!!! Make $100 000 in two weeks with our new amazing formula, the work gets done for you by the system, you just rake in the $$$ while you lying on the beach or playing golf!!! Send $300 today and you could be rich in just 14 days” Sadly I can bet you that quite a few people have parted with their $300 for the ‘free lunch’ that is advertised.

Understand the fact that there is no ‘free lunch’ and that everything in life requires hard work and smart work. The difference is how long it takes to do the work. Do your research. If you can find something with a money back guarantee, then get in and do the research from the inside. Research with people who are in the business, not your financially crippled friend who has no clue. Ask the people who are doing what you want to do – not the people who have tried 10 different things and failed at them all. If you can find people successful with a business system, then it is not the system that fails,
but the person executing the system.

“Your most expensive advise is the free advise you receive from your financially struggling friends or relatives” Robert Kiyosaki

After countless hours research and talking to others we finally settled on the one and only company that my mentor Robert Kiyosaki endorses. The one and only network marketing company that he will go to bat for. Now what’s interesting is why such a successful person, like Robert Kiyosaki, will endorse a company. He doesn’t endorse many. He said this, “It is the BEST network marketing company around today,” and he wasn’t talking about the money you can make from the business, which is substantial. He was talking purely about the support and training provided as part of the comprehensive and reproducible business system. The training you require to change your mind shift from working on the left hand side to passively earning on the right hand side.
Monthly training, monthly seminars, weekly business building, bi-yearly weekend seminars, team membership so that the leaders can show you how to reproduce the system. There is so much more than the money. All of it gives you the ability to join a team that will create and sustain an ever expanding pipeline to passive wealth. PASSIVE wealth!! In over 90 different countries in the world that you have ever set foot in before but can access via the power of the internet. A business system that follows all the Dow Theory Letters. A business system that is teachable. A business system that you have to work hard for a few years and then maintain so that it will continue to provide you with passive income for as long as you want. A business system that is willable to your kids so that they too can have a passive style income in the event of your leaving ‘the building’ –
who ever heard of an income that you could will to your kids ??? I haven’t.

Robert Kiyosaki said that Success = Dream x Work x Vehicle

You have to have a dream – something that drives you. Often that dream does include money, but money is not the driving force, the dream is. Your dreams could be anything; Financial Freedom; Travel the World; Help Others; Retirement; and on and on, but you must have a dream, a definiteness of purpose.

“The is one quality which one must possess to win, and that is definiteness of purpose,
the knowledge of what one wants, and a burning desire to possess it.” Napoleon Hill

Work is also in that equation. There is no such thing as a free lunch. Everybody has to work, but the question is are you working hard, or are you working smart. To me working for 50 years and retiring on a third of the money you can’t survive on now is not smart, its hard. Do you want to work hard for 50 years or do you want to work smart for 10?

The Vehicle is the tool you are going to use to reach your dream. I am in the IT trade by profession, but my business is buying income producing assets and managing a succesful business. Those are my vehicles and I am constantly eveluating them to make sure they are the best for my dreams. There are fast vehicles and there are slow vehicles. There are vehicles that will do the job, then there are others that are just plain wrong. A Porsche is a nice vehicle to get you from London to Manchester, but it is going to get mighty wet when you want to drive from Manchester to New York. You would obviously use the right vehicle for that. There again are many vehicles that you can choose. A fishing boat will take longer than an ocean liner, which will take longer than a jumbo jet which will take longer than the concorde. You choose your vehicle. The question to ask yourself is “Will the vehicle that I am currently using, allow me to realise my dream?”  If nothing had to change in your life in the next 5 years, would the ‘vehicle’ you are currently using get you to the point you want to be in 5 years time ?

Thank you for reading this far. I hope I have rattled your thinking. I hope I have made you sit back at your computer and think about where you are in your life, what you want to become and how you are going to get there.

So what should I do next you ask me…

I suggest going out and reading a few books if you want to make some positive changes in your life.
This is our starting list of essential reading:

‘Rich Dad, Poor Dad’ – Robert Kiyosaki
‘The Cashflow Quadrant’ – Robert Kiyosaki
‘The Master Key to Riches’ – Napoleon Hill
‘Awaken the Giant Within’ – Anthony Robbins
‘Mind Power’ – John Kehoe
‘Parable of the Pipeline’ – Burke Hedges
‘Steps to the Top’ – Zig Ziglar
And many more…
The books will give you guidelines on the next steps you should be following to achieve your dreams.

I also suggest you start researching income producing assets in your country. There are thousands of ways of making money passively – I cannot list them all, you would need to do the work there.

If you are interested in owning your own independent business that operates
in over 90 different countries around the world,
uses a team approach so that you have many people helping you,
with a proven business sytem for generating passive income,
willable to your kids and an instramental tool in helping millions around the globe
become financially fulfilled, then let me know.

We want to help you be the best you can be. We want you to reach the lofty heights only 10% of the worlds population reach.
We are willing and able to help anybody to achieve all they desire. The things we require from you are:
1. You are willing to listen
2. You are willing to be taught
3. You are willing to work.

Thank you for your time
We wish you the best of life.

If you have any questions or comments then please contact us.

Ryan & Nadine Carroll
Currently living in Cape Town, South Africa