A Novel Leadership Example

Leadership isn’t always about being the leader… as this video explains.

It’s a great example of how to start a movement, and how important it is to get momentum.

Politics and War – Lethal Scarcity

why war and politics hurt us

A guest article by Randolph Craft.


We have politics as we know it and war only because of the “lethal scarcity – Malthusian economics” syndrome. Politics (as we know it), war, weaponry, and deceit become obsolete with the discovery that through human intellect's exponentially multiplying know-how and the exponentially multiplying more-with-less production and service- capabilities, including continual and growing recirculation of the physical materials, there is an abundant capability to support and to accommodate all humanity — if it stops wasting its resources for military purposes and for exclusively one-sided monetary and political profits. (Listen to the mind's willingness to believe that the above mentioned could never happen!)


As long as people everywhere believe that there is not enough to go around for adequate life support and that “that's the way it is,” just so long is selfishness to be rationalized as being not only “realistic” but essential in securing the “bread and butter” for those dependent upon the family “bread- winner.” Those who eschew selfishness and commit themselves to the golden rule are considered to be either ignorant, foolish, and/or strange or gifted in some way — not one of “us.”


Since, however, it is now looming into ever more widely held knowledge, made available by international computer “bulletin boards,” computer news wire services, a vast and growing number to media alternatives, and the increasing ease with which people can publish their point of view, that there is and can continue to be ample life support for all, both today and tomorrow. For the first time in three million years of known human presence on this planet, selfishness can no longer be rationalized as inherently valid.

This is one of the most dramatic changes in all history. It could thus be seen that the realism of the Austronesian water people and their cultivated wisdom may (again) integrate synergetically to lead into noncompetitive, problem-solving human life styles that integrate with, support, and abide by the laws of regenerative nature.


It is interesting to note that since the fall of ancient Troy and establishment of supremacy of “the lines of supply,” except for the subtle growth of the “business” man's complex credit and finance accounting system, there has been no fundamental change in the grand economic strategy of the power structure governing world affairs throughout the intervening 5,000 years. Whoever has controlled the line of supply has dominated. Only now controlling of the line of supply has come to include the air fleets and the intercontinental nuclear bombs, space platforms, Star-wars systems, etc., all guided with pinpoint accuracy by the instruments of a now 99% invisible reality. “People don't get out of the way of things they can't see..


Who can kill and destroy the most with the least is “on top” in the arms race. The scientific discovery or technical invention of ways of “doing more with less” constitutes the most highly “classified” of secret information of the most powerfully armed political states. Because all the governments hold all such information secret, society fails to realize that there is a swiftly accelerating accomplishment of the more-with-lessing which has led to a present ability to provide ample life support for all humans on earth and those to come in the future.

This “ample-life-support” information does exist in many “pockets” around the world, but is yet to find popularity as a political issue because political issues are usually supported by a source of money — money which usually comes from some “business” source — business which runs on the supply-demand- scarcity syndrome. The system makes the information of it's undoing difficult, if not impossible, to support!


The “business” man's business and its invention of abstract banking credit, finance, interest, deposits, coinage, economics, foreign exchange rates, balance of trade, insurance, bookkeeping, and above all uncontrolled “pricing” obviously prosper most when “goods” are scarcest. Scarcities are most certain of occurring when governments spend the most on armament production, which production tends to render scarce all peaceful life-support items and services. It becomes obvious why no book on economics ever mentions “doing more with less.” “More with lessing” is thought to be by many paramount to giving more and better goods and services for ever lower prices, whereas money-making business is enchanted only with giving subtly ever less for ever higher prices. It is obvious why the stock market prices climb whenever the prospects loom for more war preparation or for relaxation of any restraints upon “big” business.


Throughout the three and one-half million years during which humans now are known to have been aboard “Spaceship Earth,”  (a term coined by R.B. Fuller in the early 1960's) none knew that humanity had an option of total economic successes. Therefore, the selfish viewpoint has always been rationalizably justified. Known to less than one percent of world people, we nonetheless have come into a new relationship with Nature — a relationship wherein the cause of the struggle to survive economically can been dispensed with.


This is always the question that comes up after information of this nature comes to the surface. In my 30+ years of study and investment that made me aware of this point of view, I found myself angry, feeling helpless, wanting to join some protest group, participating in politics, etc. Playing the game of making a difference is the best game in town as long as you don't get stuck on the results.

For me, what to do about “it” has become a simple matter. I just make sure that this point of view is one of the ones – the primary one – I use to observe the reality of the world around me. I then “do” what I am moved to do. Then I look to see if what I did is appropriate and effective for me and those around me at that time. I look and listen “out” to my surroundings – to my environment. And guess what?… People – especially people – really like it when you look and listen to and for them. Go figure…;-)

This point of view allows me to feel a deeper understanding of world events. I have more compassion for world leaders and people in general – they are usually doing their best using what they have “learned” from wherever they came from and their “education.” I see the news differently than I used to. I view the stock market in a totally different way. I notice, as much as possible, what I do and what others do to contribute to and perpetuate the “scarcity syndrome” unconsciously. My attitude about “earning a living” has definitely and radically shifted.

It’s funny… now, when I look for abundance in my world – the world I live in, it’s here! Go figure… 😉

Randy Craft Buck FullerRandolph Craft is the director of The Fuller Edutainment Company, President of AMP, Advanced Management Planning, founder and director of the Pacific Planning Institute, a consulting principal of QHM, Quality HealthCare Management, founder and President of Ke Wai e Ola – The Pacific International Anti-Aging Center, and partner with his brother, Greg, in The Art of Craft.

In 40 years of business, Mr. Craft has managed over 500 projects from inception to completion in both business and the arts, and provides education in these fields in programs sponsored internationally.

In his business career, Mr. Craft has developed or co-developed technologies which provide operational project planning, project management, computer-driven sales-tracking, quality control programs, values integration technology, and general business management systems (QTM). He provides business consulting, computer consulting, business plans, sales, planning, and quality integration workshops, line-of-balance analysis, and database architecture and production. His client list reads like a Whos Who of the “magic” success stories of the late 80s and early 90s His business and life mentors include, and are not limited to, Dr. R. Buckminster Fuller and Dr. Edwards Deming.

In his art career, which began in Hawaii in 1968, he has become an internationally collected sculptor and painter, designer and builder of “famous” commercial establishments, and currently with his brother in The Art of Craft, have an active and thriving art business in Hawaii that produces “jewelery for buildings” and serves clients mostly locally and increasingly internationally.

His work with Dr. R. Buckminster Fuller, which began in 1980, is the foundation for his continuing studies and teaching in the field of scioeconomics and the development of efficiency and productivity tools for business and education. He conducts several programs annually throughout Asia, including the PRC.

Currently living on the “Big Island” of Hawaii’ at Puako Beach, he is an avid outrigger canoe paddler and surfer, rides his Harley in the “high” country of the “Big Isle,” enjoys making his “Mana Cabbage” (Green Papaya Salad) for friends and loved ones, and is a 40+ year resident of “Paradise,” the state of Hawaii’.

Further information can be found at:





Creative Commons License photo credit: divemasterking2000

Visualize a Sustainable Future

Critical Path

Meet Peter Meisen, who shares his “Entrepreneurial Stimulus”

I was fortunate to take the “Money & You” program with Marshall Thurber in 1980, while Buckminster Fuller was still alive and providing the core Generalized Principles of Universe. I heard Bucky speak at a Hunger Project Board meeting in 1983 where he encouraged all of us to read “Critical Path,” which was just published. Bucky died a few months later.

Reading “Critical Path” changed my thinking and my life. Here was someone who committed himself to make the world better for all, and was at the same time humble and compassionate.

Looking for the answer to “what’s next?” I read that book over 3 days and launched into a new journey. At the foundation of Bucky’s work is the World Game simulation, which asks the question:

How do we make the world work for 100% of humanity in the shortest possible time through spontaneous cooperation without ecological damage or disadvantage to anyone?

GENI Initiative windmillsThe premier solution? Clean electricity for all, and the strategy was to link the abundant renewable energy resources around the world using high-voltage transmission between all nations.

After 20 years, the GENI Initiative has been embraced on all continents, earned the endorsement of 6 Nobel Peace Laureates, and been featured at the World Energy Conference.

The world is now moving into the green economy, and there are thousands of high-quality jobs being created and funded in the stimulus bills. Yet with all the pronouncements and commitments, wind/solar/geothermal supply just 3% of the global energy market — while the renewable potential could power 100% of our needs! We need an accelerator.

Once again, we looked to the vision of Bucky.

While at Southern Illinois University, he had proposed a more rigorous, high-tech version of the World Game, called the World Resources Simulation Center (WRSC). It never got developed due to some politics at the time, yet it is more needed today than ever before. The world has multiple complex, interconnected issues that demand our attention — so where do we go to grapple with them in an thoughtful, unbiased way?

Last year, we launched a 4 phase process to develop the www.wrsc.org — starting with a Prototype Design Event and gaining 40 partners:  The WRSC will be a place where leaders get educated and gain insight, see trends and future options, so they can make more sustainable choices and act on them quicker — a place to Visualize a Sustainable Future.

We invite your involvement and ideas: as we think that this new tool will support better planning and decision-making at the global, national and regional levels.


Peter Meisen solarPeter Meisen was born in Oceanside, CA and graduated from UCSD Revelle College with a degree in Applied Mechanics and Engineering Sciences. Founded in 1991 by Peter Meisen, the GENI Initiative focuses on the interconnection of electric power networks between nations and continents, with an emphasis on tapping abundant renewable energy resources. This strategy is the highest priority of the World Game simulation developed by Dr. Buckminster Fuller several decades ago.

Wanting to expand investment into the green energy space, GENI partnered with FTSE/KLD to launch the Global Climate 100 Index to track the leaders in climate solutions. Last year they co-founded the www.EcoInvestorGuide.com to educate and facilitate investment into the green economy.

Peter is married to Ashley Gardner (he got lucky) and they have a ton of fun with the 2 grandchildren

The Global Energy Network Institute (GENI) focuses on the interconnection of electric power networks between nations and continents, with an emphasis on tapping abundant renewable energy resources. This strategy is the highest priority of the World Game simulation developed by Dr. Buckminster Fuller several decades ago. Linking renewables between all nations will mollify conflicts, grow economies and increase the quality of life and health for all.

Tel: +1-619-595-0139

Restoring the Rainforest.

A guest article from our Entrepreneur Stimulus series… from Alana Lea.

Rainforest ECO – A Story of Homecoming

rainforest project Alana LeaIn December , I returned to the land of my birth for the first time in 57 years. I carried with me the conviction that I was going to use my talents as a force for positive change in a land that I had only known from the stories my mother had told me as a child. As my airplane touched down in Sao Paulo, I didn’t know my end destination or the details of my purpose there.

Although I had spent nearly my entire life in the US, I retained my jeito, a Brazilian quality which connotes an ability to go with the flow and to get things done. My daughter, Leala Rose, was with me that day, and we both took a great leap of faith as we set off together on a journey of discovery in a foreign land. And Brazil responded…

Within a few days, I was pouring my enthusiasm into conversations with everyone I met. I had built a successful horticultural business in the United States and was a respected botanical artist. My passion for the plant kingdom poured into my work and my art. I had illustrated a small book on the healing plants of the Amazon rainforest and my watercolor renderings of orchids and pollinators were lauded as they went on display at the Smithsonian Institute. With a strong feeling that my work in Brazil was going to involve the rainforest, I made inquiries about traveling north, to the Amazon.

But I was surprised to learn that surrounding my birthplace in Rio de Janeiro was the most diverse and endangered rainforest in the world. It was the Atlantic Rainforest, known in Brazil as Mata Atlantica. And when I found out that from the time I had left Brazil until the day I returned, that millions of hectares of the forest had been decimated and converted into primarily cattle grazing land, leaving only 7% of the original forest intact, I paused for a moment.

My purpose at once became clear, and I embarked immediately to find a solution for this most precious region.

I realized that in order to implement truly sustainable solutions, I would need to engage local communities and find innovative ways to address fundamental economic challenges. Local leaders and change makers were invited to discuss possible solutions and a plan emerged.

In April of 2009 I filed the incorporation papers for Rainforest ECO, LLCLife Affirming Enterprises. Having drawn together a magnificent team in both the US and Brazil to create and sustain the life of the rainforest, through commerce, I have a new-found zeal for life.

IN THE HEART of the most diverse and endangered tropical rainforests on the planet, Mata Atlantica ––the Atlantic Rainforest of Brazil –– and the Amazon, a new business model is now being seeded. Initiating this process is Rainforest ECO, LLC, a US based company, founders of the Rainforest ECObank – ECObanco Florestal projects in Brazil.

The Brazilian ECObank works with local NGOs and community associations to create sustainable rainforest enterprises with the subsistence farm families of Mata Atlantica and Amazonia. There they learn how to create their own nurseries of rainforest trees from local experts, as well as other social enterprises, to phase out slash and burn farming and cattle ranching as the principal livelihood activities.

Rainforest ECO Life Affirming Enterprises is a social business, dedicating 33% of revenues to establish and maintain Rainforest ECObank projects in Brazil. Rainforest ECObank is a cooperative, community based micro-loan enterprise, operating in the states of Sao Paulo and Rio de Janeiro, Brazil, to help subsistence farmers transition from slash and burn practices to agro forestry.

Visit Alana’s BLOG for more great articles: http://rainforesteco.wordpress.com

Are You Ready To Let Money And Wealth Flow Into Your Life?

Money & You® August 26-29, 2010
San Diego/Oceanside, CA

Money & You® (M&Y) is a 3 1/2 day experiential process that will help you take small, simple steps that will have an enormous impact on your life. It is made up of approximately 60% games and interactive exercises, 25% debriefing the games, and 15% lectures. This is almost the reverse of many traditional educational systems – as that education doesn’t teach you how to really make money and be successful in life – all it teaches you is how to be a cog in the ‘machine.’

Based on a business that grew a US$25,000 investment into a US$60 million business in less than three years, the program encompasses the big picture of business, the science of learning from mistakes, Dr. R. Buckminster Fuller’s generalized principles, the difference between money and wealth, work on beliefs that support or inhibit your success, and finding your life’s purpose.

If You Want Breakthrough Results…

You Need A Breakthrough Experience!

In Money & You®, participants will learn far beyond than from any other Entrepreneurial training available anywhere in the world!

Here is what you will learn:

  • You will learn revolutionary principles for running your business and your life that expands possibilities, people, income, joy, and opportunities
  • How to release a constant flow of money by getting your heart back into your business
  • How to get out of debt and earn more money than you ever have in your life
  • Strategic-thinking skills
  • Unleash your uniqueness and ability to be a Lateral Thinker for greater profitability
  • Gaining insight in how to apply a successful business model that reduces the effort and amount of time it takes to be a world leader and create an organization that produces extraordinary results
  • Problem solving skills to solve problems easier and faster
  • Effective team building skills. Be better able to build, maintain and inspire teams
  • Higher individual productivity. Learn new skills to increase productivity, profits, and to reduce employee turnover
  • Co-operation vs. competition distinctions. Learn the keys to cooperating with people and businesses that are traditionally viewed as competitors
  • Entrepreneurial skills – i.e. knowing when to take risks and when not to
  • A way of life that is less stressful and more fun – one that is in harmony with your own personal values
  • Money-Making Secrets
  • Being able to use a process that removes limiting blocks and beliefs from your life
  • Applying conflict resolution skills that quickly resolve conflict and prevent major upsets in your relationships
  • Being part of a network of more than 70,000 graduates from over 52 countries
  • And more!

The Money & You® Program delivers the education that traditional business courses dare not touch. Emphasis is placed on removing the fears and subconscious beliefs that are the real blocks to success and satisfaction in this rapidly changing world.

Money & You® is based on principles learned from some of the greatest thinkers of our time, including R. Buckminster Fuller and W. Edward Deming. In the ‘70’s, this work was started by a team of people, which included Bobbi DePorter, the co-founder of the Quantum Learning Network which presents the world-famous program, SuperCamp. As the work has evolved through the years and by the contribution of the likes of Robert Kiyosaki, Willson Lin, Dominique Lyone, and others, the work has reached the level of success that is evident today, which includes a television program hosted by Willson Lin in China, which will be seen by 200 million in the upcoming months…

When you change on the inside, everything changes for you on the outside to reflect that change. You know how when you are looking for something, you start seeing it everywhere? It’s the same thing with habit and behavior changes.

When you shift your beliefs, you also shift your thoughts, feelings and behaviors.

After that, the only problem you will have is what to do with all the money, love and power that come into your life!

Register NOW

“I was broke 4 years ago and after attending Money & You®, I turned my business into a great success by applying the valuable principles found in all that the program covered. I would like to attribute my Spirit of Enterprise Award 2004 to Money & You and Excellerated Programs!”

Wendy Kwek – Director – Executive Directions Pte Ltd

more testimonials

Are you ready to make a change personally or professionally? Do you want to create excitement and contentment in your life?

Monet & You event bring a friend

Register For Money & You® Now!

First I Must Change

Change for the better - Money & Me

One of the core principles of Money & You is that “the key to making money is directly proportional to one’s ability to generate and maintain good relationships – both with oneself and with others.

This self-knowledge is learned and experienced through many different activities throughout the program because it is such a key pre-requisite to long-term success in any business.

One of the mantras underlying its basic philosophy is “for things to change, first I must change”.

Money & You teaches people to feel okay about making mistakes – to recognize them as learning experiences. Graduates learn ways to apply many of the principles taught in the program to their businesses and their lives. They gain wisdom daily and thereby become more and more successful as the distinctions seen in the program become part of their daily reality.

Many of our graduates are world-famous men and women. Others, not so famous, are making a difference in their own communities and industries. Many have started organizations that teach the principles they found so powerful at their own Money & You program. We love the ripple effect that our work provides and we love teaching this curriculum.

Are you ready for a change? Click here to find out more about Money & You.

(Also registered for the Money & Me® Teleclass.

Creative Commons License photo credit: Ralph Buckley

Waves Of Change

The wave of changes ahead

A second article from John Maudlin that we’d like to share..

The Millennium Wave

By: John Mauldin

Let’s look at some changes we are likely to see over the next few decades. My view is that we have a number of waves of change getting ready to erupt on the world stage. The combination of them is what I call the Millennium Wave, the most significant period of change in human history. And one for which most of us are not yet ready.

Some time next year, we are going to see the three-billionth person get access to the telecosm (phones and internet, etc.). By 2015 it will be five billion people. Within ten years, most of the world will be able to access cheap (I mean really cheap) high-speed wireless broadband at connection rates that dwarf what we now have.

That is going to unleash a wave of creativity and new business that will be staggering. That heretofore hidden genius in Mumbai or Vladivostok or Kisangani will now have the ability to bring his ideas, talent, and energy to change the world in ways we can hardly imagine. When Isaac Watts was inventing the steam engine, there were a handful of engineers who could work with him. Now we throw a staggering number of scientists and engineers at trivial problems, let alone the really big ones.

And because of the internet, the advances of one person soon become known and built upon in a giant dance of collaboration. It is because of this giant dance, this unplanned group effort, that we will all figure out how to make advances in so many ways. (Of course, that is hugely disruptive to businesses that don’t adapt.)

Ever-faster change is what is happening in medicine. None of us in 2030 will want to go back to 2010, which will then seem as barbaric and antiquated as, say, 1975. Within a few years, it will be hard to keep up with the number of human trials of gene therapy and stem cell research. Sadly for the US, most of the tests will be done outside of our borders, but we will still benefit from the results.

I spend some spare study time on stem cell research. It fascinates me. We are now very close to being able to start with your skin cells and grow you a new liver (or whatever). Muscular dystrophy? There are reasons to be very encouraged.

Alzheimer’s disease requires somewhere between 5-7% of total US health-care costs. Defeat that and a large part of our health-care budget is fixed. And it will be first stopped and then cured. Same thing with cancers and all sorts of inflammatory diseases. There is reason to think a company may have found a generic cure for the common flu virus.

A whole new industry is getting ready to be born. And with it new jobs and investment opportunities.

Energy problems? Are we running out of oil? My bet is that in less than 20 years we won’t care. We will be driving electric cars that are far superior to what we have today in every way, from power sources that are not oil-based.

For whatever reason, I seem to run into people who are working on new forms of energy. They are literally working in their garages on novel new ways to produce electric power; and my venture-capital MIT PhD friend says they are for real when I introduce them. And if I know of a handful, there are undoubtably thousands of such people. Not to mention well-funded corporations and startups looking to be the next new thing. Will one or more make it? My bet is that more than one will. We will find ourselves with whole new industries as we rebuild our power grids, not to mention what this will mean for the emerging markets.

What about nanotech? Robotics? Artificial intelligence? Virtual reality? There are whole new industries that are waiting to be born. In 1980 there were few who saw the rise of personal computers, and even fewer who envisioned the internet. Mapping the human genome? Which we can now do for an individual for a few thousand dollars? There are hundreds of new businesses that couldn’t even exist just 20 years ago.

I am not sure where the new jobs will come from, but they will. Just as they did in 1975.

There is, however, one more reason I am optimistic. Sitting around the dinner table, I looked at my kids. I have seven kids, five of whom are adopted. I have two Korean twins, two black kids, a blond, a (sometimes) brunette, and a redhead. They range in age from 15 to 32. It is a rather unique family. My oldest black son is married to a white girl and my middle white son is with a black girl. They both have given me grandsons this year (shades of Obama!). One of my Korean daughters is married to a white young man, and the other is dating an Hispanic. And the oldest (Tiffani) is due with my first granddaughter in less than a month.

And the interesting thing? None of them think any of that is unusual. They accept it as normal. And when I am with their friends, they also see the world in a far different manner than my generation. (That is not to say the trash talk cannot get rather rough at the Mauldin household at times.)

I find great cause for optimism in that. I am not saying we are in a post-racial world. We are not. Every white man in America should have a black son. It would open your eyes to a world we do not normally see. But it is better, far better, than the world I grew up in. And it is getting still better.

My boys play online video games with kids from all over the world. And the kids from around the world get on the internet and see a much wider world than just their local neighborhoods.

Twenty years ago China was seen as a huge military threat. Now we are worried about them not buying our bonds and becoming an economic power. Niall Ferguson writes about “Chimerica” as two countries joined together in an increasingly tight bond. In 20 years, will Iran be our new best friend? I think it might be, and in much less time than that, as an increasingly young and frustrated population demands change, just as they did 30 years ago. Will it be a smooth transition? Highly unlikely. But it will happen, I think.

I look at my kids and their friends. Are they struggling? Sure. They can’t get enough hours, enough salaries, the jobs they want. They now have kids and mortgages. And dreams. Lots of dreams. That is cause for great optimism. It is when the dreams die that it is time to turn pessimistic.

I believe the world of my kids is going to be a far better world in 20 years. Will China and the emerging world be relatively better off? Probably, but who cares? Do I really begrudge the fact that someone is making their part of the world better? In absolute terms, none of my kids will want to come back to 2009, and neither will I. Most of the doom and gloom types (and they seem to be legion) project a straight-line linear future. They see no progress beyond that in their own small worlds. If you go back to 1975 and assume a linear future, the projections were not all that good. Today you can easily come up with a less-than-rosy future if you make the assumption that things in 20 years will roughly look the same as now. But that also assumes there will not be even more billions of people who now have the opportunity to dream up their own psychic income and work to make it happen.

We live in a world of accelerating change. Things are changing at an ever-increasing pace. The world is not linear, it is curved. And we may be at the beginning of the elbow of that curve. If you assume a linear world, you are going to make less-than-optimal choices about your future, whether it is in your job or investments or life in general.

In the end, life is what you make of it. With all our struggles, as we sat around the table, our family was content, just like 100 million families around the country. Are there those who are in dire distress? Homeless? Sick? Of course, and that is tragic for each of them. And those of us who are fortunate need to help those who are not.

We live in the most exciting times in human history. We are on the verge of remarkable changes in so many areas of our world. Yes, some of them are not going to be fun. I see the problems probably more clearly than most.

But am I going to just stop and say, “What’s the use? The Fed is going to make a mess of things. The government is going to run us into debts to big too deal with? We are all getting older, and the stock market is going to crash?”

Even the most diehard bear among us is thinking of ways to improve his personal lot, even if it is only to buy more gold and guns. We all think we can figure it out or at least try to do so. Some of us will get it right and others sadly will not. But it is the collective individual struggles for our own versions of psychic income, the dance of massive collaboration on a scale the world has never witnessed, that will make our world a better place in the next 20 years.

All that being said, while I am an optimist, I am a cautious and hopefully realistic optimist. I do not think the stock market compounds at 10% a year from today’s valuations. I rather doubt the Fed will figure the exact and perfect path in removing its quantitative easing. I doubt we will pursue a path of rational fiscal discipline in 2010 or sadly even by 2012, although I pray we do. I expect my taxes to be much higher in a few years.

But thankfully, I am not limited to only investing in the broad stock market. I have choices. I can be patient and wait for valuations to come my way. I can look for new opportunities. I can plan to make the tax burden as efficient as possible, and try and insulate myself from the volatility that is almost surely in our future – and maybe even figure out a way to prosper from it.

A pessimist never gets in the game. A wild-eyed optimist will suffer the slings and arrows of boom and inevitable bust. Cautious optimism is the correct and most rewarding path. And that, I hope, is what you see when you read my weekly thoughts.

You can read more of John’s article here.

John Mauldin is a multiple NYT Best Selling author and recognized financial expert. He has been heard on CNBC, Bloomberg and many radio shows across the country. He is the editor of the highly acclaimed, free weekly economic and investment e-letter that goes to over 1 million subscribers each week. You can sign up here.

Creative Commons License photo credit: Scott_J_

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Suze Orman’s Top 10 Money Tips for Women


Image via Wikipedia

Suze Orman‘s Top 10 Money Tips for Women

by CNBC Staff
Thursday, October 29, 2009

When it comes to women and finance, sometimes there’s a disconnect between what women know and how they act, their ability as achiever and their financial underachieving, and between the power they have within reach and the powerlessness that rules their actions.

Financial expert Suze Orman gives her list of the top 10 money tips for women to follow:

1. Listen to Your Gut

Women are compassionate toward those in need. Instead of going with their gut, they sometimes overlook the obvious and make an emotional money mistake. “A friend, relative, loved one will approach you saying, ‘I need to borrow $5,000.’ You’ll think ‘I don’t want to’ and yet you say ‘OK,'” Suze explains. So, think twice before you say yes if your gut is saying no.

2. NEVER Co-Sign for ANYONE

If a friend or family member asks for you to co-sign on a loan, it’s probably best to say no. Suze says more often than not, the borrower will default or pay late and you risk losing money or lowering your credit score because as the co-signer, you are ultimately responsible for the loan. Say no out of love, not out of fear.

3. Save Yourself First

If you don’t have enough to save for your child’s college fund and your retirement, your retirement takes precedence.

As explained in Suze’s book “Women & Money,” women think they are actually helping their children by paying for their college or wedding. It’s a myth. You help your children by saving yourself first. If you retire without ample money to support yourself, you will become a financial burden to your children. There are plenty of loans for college, but there are no loans for retirement.

4. Don’t Hand Over Finances to Your Husband or Partner

Suze says women often hand over their family financial matters to their partner because they are either scared, lazy or following an old-fashioned role.

Being in control of your financial destiny requires that you be an active participant — not just by paying bills, but in overseeing your investments, too. Suze: “Take this step and I think you will be surprised how this helps your relationship.”

5. Don’t Put Yourself on Sale

Don’t treat yourself like you’re on sale. If you’re reluctant to put a real value on what you do, then it diminishes who you are. As Suze explains, women tend to devalue what they do.

This creates a vicious cycle: “When you devalue what you do, it becomes inevitable that you — and those around you — devalue who you are.” Women will settle for less. They may offer discounted prices on their services or accept a smaller raise, even when the company is doing well. They have to ask for what they know is “right.”

6. Protect Your Assets: Get a Pre-Nuptial Agreement

The basic rule is that you are jointly entitled to assets accrued during a marriage and you are on the hook for debts accrued during the marriage. Anything you bring into the marriage is not automatically shared. Protect your assets.

7. No Blame, No Shame

Two of the heaviest weights women carry (invisible twin obstacles of the past) are the burden of shame and the tendency to blame. Suze explains: “If you don’t feel confident in your knowledge of how money works, you hide behind the shame of it, deferring decisions to others or staying stuck in a pattern of inaction. You blame society, your parents, your husband/partner or all of the above. Blame renders you powerless and shame only serves to hold you back.” You have to go and find out about personal finance for yourself.

8. Take Care of Your Money

Women nurture people and things that are important to them. So take care of your money the way you do your husband/partner, family, friends, pets, plants and clothes. Cherish money like all of the other irreplaceable items in your life. Find wise investments, save and don’t throw it away on meaningless things.

9. Don’t Make Your Underage Children Life-Insurance Beneficiaries — It’s a No-No!

Life insurance companies will not make a payout to children under 18 years of age. Suze suggests you create a trust account and name the trust as the beneficiary of your life insurance policy.

10. Own the Power to Control Your Own Destiny

Give to yourself as much as you give of yourself. Power comes from who you are, not what you have, and the transformation starts with how you allow others to treat you. Do what’s right, rather than what’s easy.

Suze says, “Remember to muster up your courage and silence your fear … keep your eye on the goal, on what you really want to accomplish, no matter what anyone says or does to deter you. Just keep moving forward.

Entrepreneurs Build Successful Businesses With This Key

Entrepreneur's Success Key

Entrepreneurs Build Successful Businesses With This Key

For the past thirty years I have been working with people in different parts of the world through our programs, including Money & You® and the Excellerated Business School® for Entrepreneurs to uncover what holds people back from having money, building successful businesses or achieving financial success. Over and over again, what comes up is that we must clear our consciousness from emotional blocks in order to receive the level of abundance we desire or to enjoy the financial resources we may already have.

If you want to enjoy an abundant life—including a beautiful home (or homes), automobiles for yourself and your family, a great education for your children (and yourself) and a business that provides you with profits, royalties, rents or other residual income—financial literacy is key.

Being educated about the basics of money—how to start, manage, build and expand a business—is key. It is my hope that in the near future, financial literacy becomes a subject for children in primary school, along with reading, writing, grammar, math and all other key subjects necessary to be a fully educated, functioning human being.

In the mean time, most of us learn to be financially literate without proper guidance, sheerly by trial and error. It’s easy to see around you. The result is a society riddled with debt, fearful of the future, investing in ventures we know very little about, or enslaved to jobs or businesses that bring us very little profit or joy.

For those of us who wish to have more than our basic needs met and do not wish to live in debt, financial literacy is as important as breathing and having clean water and nutritious food. Having a sound understanding of financial systems allows us to grow our financial independence with much more ease and joy.

Become a great student of financial literacy to allow your dreams to come true. Learn the different systems and choose the one that works best for you. Be sure to call upon financial advisors who have succeeded in their area of endeavor; do what is congruent with your inner knowing and the knowledge you have gathered through your educational process.

Do not leave the task of building your wealth to others. While others—financial advisors and masters—may support you, ultimately you are responsible for your results. In our programs we say, “Education is the highest form of leverage.” Once you acquire the techniques and tools, you now must allow yourself to be wealthy by clearing any blocks that may be in the way of your dreams coming true. Herein lies the secret to financial health and wealth.

With loving thoughts,

DC Cordova
CEO, Excellerated Business School® for Entrepreneurs and the Money & You® Program

You can also read my original article that appeared in Networking Times

Creative Commons License photo credit: Lora <3

Doing Life? How One Woman Saved NY State $1 Billion

Crime Cutting

Doing Life?

How One Woman Saved NY State $1 Billion

“As of 2008, there were 2.3 Million in prisons in the United States, that is one in each 100 people in the United States. With just 5% of the word’s population, the US has the highest incarcerated population in the world. I have worked in this system since 1973, focused on one intention: to transform prisons from places of punishment to places of healing. Throughout my journey, I  have been blessed to learn from the best, to study and apply the most effective strategies to my work.

Interpersonal ResponsibilityWhen I attended Money & You® for the first time in 1982, with 66 of my core staff at the time, I experienced that it encompassed the best of all that I had learned so far. After more than 27 years of continuing to work with DC Cordova and these distinctions, M&Y remains the best of phenomenal opportunities I have had.

In three-and-a-half days, Money & You® offers an elegant, efficient and highly-effective process that works in any environment. It is also a portal to so many other resources, including The Quantum Learning Network of Bobbi DePorter, the co-creator and one of DC’s original partners in this work.

Money & You® was the first step into an area rich with opportunities and world-class leaders  who have greatly enriched my life, and that of the more than 6,000 staff and more than 40,000 graduates of the Total Learning Environments I created and implemented in prisons.  By 2004, with 35,000 graduates, the Shock Incarceration program had saved the State of New York more than $1.18 Billion, to say nothing of the families and children affected by their parent’s success.

Dr. Cherie  Clark
President/Co-founder Doing Life® International Inc.

Cherie Clark

For more on Dr. Clark’s extraordinary results, see her profile below


Dr. Cheryl L. Clark
As well as President and co-founder of DOING LIFE!® International Inc., Cherie Clark is also the Director of Shock Incarceration and the Willard Drug Treatment Campus (DTC) for the New York State Department of Correctional Services (NYS DOCS).

Shock Incarceration is internationally recognized as the leading program of its type in the world. In 2004, research documented more than $1 billion in cost savings to the taxpayers of New York State for the institutional phase alone.

Dr. Clark has worked in human services since 1966, first in Social Services then Juvenile Justice. She started in Criminal Justice in 1974, where after other management positions, she researched, designed and implemented a Total Learning Environment™ (TLE™) for the NYS DOCS, the Network Program.

In 1985, Dr. Clark was appointed Director of Staff Development for the NYS Division of Parole, to assist with the implementation of the Division’s Regional management system. She developed supervisory and Management Training Programs for the Division, in addition to streamlining and improving training programs for all levels of Parole staff. She considers one of her most significant accomplishments for that agency the design and implementation of the first Street Survival course for Parole Officers.

Dr. Clark returned to DOCS in 1987 to develop the Shock Incarceration program and has directed this initiative since its inception. Because of the outstanding, unprecedented success of Shock, in 1995 Dr. Clark was asked to design the Willard DTC and expand Shock staff training to include all staff of the DTC. The Willard DTC is unique as a stand-alone correctional Drug Treatment Campus. Based in both military and Network community models, Shock Incarceration and the DTC have an equal emphasis on self-discipline, treatment and life skills education.

Dr. Clark earned a Ph.D. in the School of Health and Human Services at Columbia Commonwealth University and holds a Master’s Degree in Educational Psychology from the College of St. Rose in Albany, NY. She has studied accelerated learning and transformation technologies for more than 30 years. Her doctoral dissertation, 12° Of Freedom: Synergetics and the 12 Steps to Recovery , is considered a ground-breaking work in the field of substance abuse treatment. It includes a comprehensive overview of the model she named Social Synergetics™, offering an innovative, fully integrated model for recovery from addictions.

In 1990, Dr. Clark was awarded the Governor’s Productivity Award for outstanding contributions to State Government. In 1995, the American Correctional Association acknowledged her for her outstanding contributions to corrections, as “Best in the Business”. Dr. Clark is internationally recognized as a leader in her field and an expert in substance abuse treatment. She is the principal author of DOING LIFE! A Life Skills Program for Recovery From Addictions® and SMART Choices: A Guide for Making Choices That Work .