Playing Cashflow–Lessons Learned–Game 3

Here’s the outcome of the third Cashflow game I played.  It took me an hour to get out of the rat race, but this time, I won the game. Hooray!

Game Three (Using the electronic version with 2 computer opponents)  


My Occupation: Airline Pilot

Opponents’ Professions: Janitor and Firefighter

Winner:  1st place: Airline Pilot (me)

2nd place: Janitor

3rd place: Firefighter

Lessons Learned-How I Won

As I was playing this game, I made some interesting observations:

  • My profession as an airline pilot has the largest amount of expenses and debt. Nevertheless, I was able to use debt to acquire more properties and businesses that provided a lot of cashflow.


  • I now understand what  Robert Kiyosaki meant when he mentioned in his book  how his rich dad taught him that the way to achieve wealth is by playing Monopoly in real life. In other words, buy 4 green houses and trade them in for 1 red hotel. Instead of green houses and red hotels, I bought 3Br/2Ba houses and duplexes with small cashflow amounts and  traded them in for businesses and an apartment building that had large cashflow amounts. This allowed me to accumulate enough passive income to get out of the rat race in a relatively short amount of time.


  • Ironically, the janitor got out of the rat race first. However, she was unable to acquire enough businesses on the fast track because she kept losing all her cash by landing on “divorce” and “tax audit”.


  • The janitor’s inability to buy businesses due to lack of cash gave me the opportunity get onto the fast track and land on my dream (African Safari) and win the game.


  • The more I play this game, I noticed that sometimes things don’t always turn out the way you think. For example, I thought that the janitor would eventually win the game because she got out of the rat race and onto the fast track first. Who would have thought that she would run into some obstacles (through the roll of the dice) that prevented her from winning? That’s just how life is–unpredictable.


This is not the first time I have played Cashflow as an airline pilot. However, this is the first time I have won. I did not think it was possible prior to this game because the pilot has a lot of debt and liabilities, such as taxes, child expenses, and credit card debt. Besides, my financial IQ was not as high then as it is now. I think the best strategy of getting out of the rat race for anyone who has the airline pilot as a profession should use other people’s money (bank loans) as leverage to buy properties that provide cashflow. When the opportunity arises (using the market cards), sell the properties and use the remaining cash to pay off the bad debt and purchase more properties.

It is my hope that I have piqued your interest to perhaps play Cashflow and see for yourself what I’m talking about.  The Cashflow game is designed to teach those who play it the lessons and principles taught in the book Rich Dad, Poor Dad

I welcome your comments or thoughts about playing this game. If you are interested in learning how to be successful in either making money online and/or owning a business, then you must increase your financial IQ and also learn the basics of running a business the right way. Click here to find out how you can learn the basics for free.

Have a great day,


Playing Cashflow–Lessons Learned–Game 2

Here’s the outcome of the second Cashflow game I played. I lost, but I learned valuable lessons that will help me as well as you get out of the rat race faster the next time.

Game Two (Using the electronic version with 2 computer opponents)            

My Occupation: Firefighter

Opponents’ Professions: Teacher and Doctor

Winner:  1st place:Doctor (she was able to meet her passive income goal)

2nd place: Firefighter (me)

3rd place: Teacher

Lessons Learned–Why I Lost

Even though I was the first to get out of the rat race (it took me only 45 minutes to do so) I ran into some setbacks that cost me.

  1. The roll of the dice made me overshoot my dream; therefore, I was unable to purchase my dream despite having more than enough money to do so. In real life, sometimes it just comes down to a matter of timing (a roll of the dice) whether or not you are presented with a great opportunity.
  2. In fact, this roll of the dice made me land on “divorce” and I lost all my cash.
  3. I could not recover in time before the doctor was able to spend $300,000 to strike it rich on the Russian Oil Deal.

    Russian Oil Deal

    Would you take a chance on this?

  4. Basically, the doctor gambled and got lucky (she rolled higher than 4 on one die) which gave her $75,000/month in passive income. That made her meet her passive income goal to win the game.
  5. In retrospect, the doctor gambled (took a chance) on an opportunity and it paid off. How many times have you “gambled” on something and it either works out or doesn’t? Either way, it’s a 50/50 chance. This is a prime example of how life in general can be.

Even though I lost this game, I am proud of the fact that I played much better this time than in Game One. I was better able to spot good deals and take advantage of them. I also lowered my expenses by paying off bad debt whenever I had the chance. This has contributed to me getting out of the rat race quickly–in  just 45 minutes. I have played games in the past where it has taken me an hour (or more) to accomplish this. I will challenge myself to see if I can get out of the rat race again in less than 45 minutes. If I can do this consistently, then I will say that my financial IQ has increased.

Until the next time,




Lessons I Learn by Playing Cashflow




If you are wondering what it’s like playing Robert Kiyosaki’s Cashflow game, I thought I would give you a taste by describing the outcome of each game I play against computer opponents. I have to tell you that sometimes (or OK several times, lol) the computer opponents have beaten me.  It’s not something that I’m particularly proud of, but it just proves that I have to get better by increasing my financial IQ. Even Robert says that “the more you play the game, the richer you’ll become”.  If you are playing Cashflow on a regular basis, I would like you to join me in discussing the following:

  1. how you like the game
  2. how often you play
  3. what are you learning from each game played
  4. anything else about Cashflow in general


My goal is to learn how to get out of the rat race (and stay out of it) by increasing my financial IQ. It is my hope that people will comment and provide feedback about their experiences as well.With feedback and dialogue, we can learn from and help each other. For more info about the game Cashflow, click here

Game One (Using the electronic version with 2 computer opponents)

My Occupation: Airline Pilot

Opponents’ Profession: Janitor and Police Officer

Winner:  1st place: Police Officer (he was able to get on the fast track and purchase his dream)

2nd place: Janitor

3rd place: Airline Pilot

Lessons Learned–Why I Lost

  1. I was hesitant to take out bank loans to purchase property that I knew were good deals
  2. Instead of focusing on buying properties with positive cash flow, I focused on trying to raise money by selling the opportunity to another player via auction or fixed price. I sold 3 opportunities to the airline pilot. In hindsight, I just helped him get out of the rat race faster instead of helping myself.
  3. Fear of being downsized and not being able to pay my expenses
  4. Did not recognize a good deal when I had the opportunity to buy it. For instance, I sold the following card to the police officer:

Good Deal or Bad Deal?

I sold this deal to my opponent because even though the down payment was $0, the cashflow was -$100. At the time I thought that this was a disadvantage because the negative cashflow was taking money out of my pocket. However, my opponent thought that it was a great deal because he accepted my auction price of $800 for it. Less than 10 minutes later, he was able to sell it via a market card for $135,000. The remaining money after the mortgage was paid off enabled him to purchase a big deal and thus enter the fast track.

After the game was over, I realized that both of my opponents used the same strategy: buy property using bank loans and then trading them in when an opportunity arose in the market to sell. The entire game took 25 minutes from start to finish. My goal is to be able to get out of the rat race and get on the fast track to win the game in a short space of time.

I welcome any comments, suggestions, or questions in regards to playing the Cashflow game. Remember Robert’s quote,”The more you play this game, the richer you become”.

Wishing you success,




Customer Service–To Automate Or Not?


Has the following scenario ever happened to you?
You call up a customer service number because you either have a question or a complaint. However, before you get to speak to a real live person, you have to go through a series of voice prompts BEFORE you get a real live customer service rep. Oftentimes, I’ve come across automated voice systems that seem to either “hesitate” before giving you the option to speak to a customer service rep or provide that option dead last. It’s as if they don’t want to provide that option.

Why is this so? Could be several reasons–my best guess is:
1. The company is hoping your question or complaint will be solved with automated responses.
2. the company is hoping your question or complaint will be answered in the FAQ section.
3. It is more cost effective for the company to make its customer service system more automated.

In other words, they don’t have to hire as many customer service reps to answer the phone (A computer doesn’t get sick and can work 24/7)


image from

image from

One of my biggest pet peeves with automated customer service systems is that the voice prompts are too long. I often find myself forgetting which number I’m supposed to pick after listening to the entire choice of prompts. If I forget, I choose listen to the entire choice of prompts a second time for fear of choosing the wrong prompt and not being able to correct my mistake. If that happens, I have to hang up and repeat the whole process. That is soooooooo frustrating…


Here’s another pet peeve. When you first dial the customer service number, you may have the option of either using your voice or using the keypad on your touch-tone phone to activate the prompts. Whenever I choose to use the voice-activated prompts, the computer never understands what I say, even though I speak slowly and clearly. Therefore, I end up using my phone keypad to activate the prompts.


I know we now live in a world that is becoming more and more automated and computerized.  I might be “old school” but I believe that nothing beats real person to person customer service. It may be possible that the younger generation (ie. Milennials) is more comfortable with automated customer service than the older generation (ie. Baby Boomers).  Nevertheless, if a company wants to provide quality customer service, it should be provided in a way that appeals to all of its customers. Sometimes the fastest most cost-effective way to provide customer service may not be the best way.


To Automate or Not to Automate? That is the Question


To answer the question as to whether customer service should be mainly automated or live, I think companies should provide sufficient options that appeal to all customer types, such as:
1.  email
2.  instant messaging (chat box)
3.  live telephone support
Believe it or not, there are still some people in the world who hate email and avoid using a computer as much as possible. Therefore, the phone option would be most suitable for them.


What do people value most in regards to customer service?     



Customer Service clipart

  • Quick response time
  • Professionalism
  • Respect

If a company can provide what its customers value most, then that company should be commended and should also do its best to keep it going.

I would love for you to provide your comments or thoughts on this matter because I would like to know how others feel about this issue. Remember–happy customers are returning customers who may also bring referrals. Therefore, if you own a business (either online or brick and mortar), this is something that you must consider if you truly value your customers.

To your success,

If you enjoyed reading this post, feel free to read my other post regarding customer service by clicking here.

If you like my website, and are interested in getting your very own, you can get 2 free websites at Wealthy

Rich Dad’s Conspiracy of the Rich–My Honest Book Review

Do you know the 8 new rules of money?

Do you think that the rich have some sort of “conspiracy” against the middle class and poor–in other words, ways to make themselves richer at the expense of the middle class and poor?

If the answer to the first question is no and the answer to the second is yes, then I think you should definitely read this post. I must admit that before I read this book, I did not know the 8 new rules of money (heck, I didn’t know any rules) and I certainly did think that the odds were “stacked” against me becoming rich.

After reading this book, I have a much clearer understanding of why the rich get richer and the poor and middle class get poorer. It comes down to this– the rich are keenly aware of and play by the new rules of money (they have the financial intelligence to do so) while the poor and middle class lack the financial intelligence and thus are unable to do so.


 Here is  my critique and personal thoughts about  Rich Dad’s Conspiracy of the Rich- The 8 New Rules of Money, written by Robert T. Kiyosaki.

Brief History Regarding the History of Money

Before I discuss some of Robert’s 8 rules of money, I think it is important that you have a basic understanding about the history of money. Prior to 1971, the US dollar was a derivative of gold, meaning that the dollar was worth a certain amount in gold. Once President Nixon took the US dollar off the gold standard in 1971, the US dollar is now a derivative of debt.  Basically this means that  the US government can now print money in unlimited amounts to keep the economy afloat. Today, the US dollar is backed by nothing but the good faith and credit of the US government. In other words, the US will no longer redeem dollars for gold.  As long as the rest of the world continues to accept our debt as payment for their goods and services, all will be fine. If however, the rest of the world stops accepting the US dollar, our economy as well as the world economy will be in serious trouble.

I don’t know about you, but I want to prepare myself just in case the value of the US dollar falls to zero. I just cannot sit around and hope and pray that everything will be all right       without taking some action. If you feel the same way, then it’s time for you to discover what   the 8 new rules of money are.

 8rules pix2.jpg (2) The 3 Most Important Rules of Money (to me)

1. Money is knowledge–Robert states that it is possible to lose money in business, real estate, stocks, and gold. However, having the right knowledge (financial intelligence), can make you rich, while having the wrong knowledge or lack of it can make you poor. The more you make a concerted effort to increase your financial intelligence, the better off you’ll be.

2. Learn how to control cash flow–Now that the US dollar is based on debt, our economy flourishes as long as we stay in debt. Problem is that many people are in financial trouble because they have too much debt. Too much money is flowing out and hardly any money is flowing in. In order to be financially secure, you have to take control of your cash flow–find a way to have more money flowing into your pocket than out.

3. The need for speed–Over time, money has evolved from simple barter to digital money as the world’s financial system has picked up speed.  If you are slow, you will get left behind. While the average person makes money by the hour, day, or month, a person with above average financial intelligence is capable of making money 24/7 (even while asleep). In this case, money is made by the second.

Conclusion:  Is Rich Dad’s Conspiracy of the Rich Worth Reading?

Without a doubt YES.  I think it gives great insight into why many people are having financial difficulties.  I also liked the way Robert allowed people to provide online feedback on each chapter he wrote .  He received many feedback comments such as:

  •  That formal education basically teaches one to take care of a company (as an employee) rather than create a company (as a business owner)
  •  If you don’t know the rules of money, you’ll always end up losing the game
  • Creating passive income is important, because if you are unable to work due to illness, you would be forced to use your savings

This just demonstrates how many people are not as financially stable and savvy as they could be and they need to prepare themselves for the bad times that may come in the future.


Are You Satisfied With Your Financial Life?

Robert suggested that people do a self-examination of where they are today in regards to their financial status by asking questions, such as:

  1. Are you earning money 8 hours a day or 24/7?
  2. If you stop working, will money continue to come in?
  3. Do you have multiple sources of income?

I asked myself these questions, and honestly, I am not happy where I am financially.  Reading this book has made me realize that I still have a lot of work to do in regards to getting my financial house in order. For instance, my investments are more in mutual funds (capital gains) than in cash flow.  To date, I have one affiliate marketing opportunity  that provides me a monthly cash flow (it’s less than $100, but I have the potential to make much more with a little hard work and persistence, lol)  I am also working on investing in precious metals such as gold.  For those of you who are also interested in investing in gold (at affordable prices), click here for more information.

It is my sincere hope that after reading this review, you be honest with yourself if your self-examination reveals that your financial house has some “holes”  and needs repair.  Whatever action you do decide to take, don’t procrastinate. The faster you get started making the changes you need to make, the better off you will be.  Please feel free to comment on what I have written; I’m a firm believer that further discussion about Robert’s book will be helpful to all.



Mind Your Own Business by Paying Yourself First

Hello Everyone,

I just want you to imagine for a moment one of the following 2 scenarios:

1. You either have a job that gives you a paycheck that is more than enough to pay all of your expenses as well as allow you to invest some money for retirement, or

2. Your business (either online or brick and mortar) is so profitable that you have lots of money to spend living out your wildest dreams.

However, if you are not careful, it all can be gone in an instant.  Robert Kiyosaki, author of Rich Dad, Poor Dad, mentions in his book that in order to create wealth, you have to mind your own business.

How do you mind your own business?

You mind your own business by paying yourself first. 

Simply put, in order to achieve Pay Yourself Firstfinancial independence and create wealth, you have to use a portion of the money from your paycheck or tax return and invest it in a vehicle that benefits YOU, not someone else, such as a mortgage company, credit card companies, etc. Don’t get me wrong; paying monthly expenses is very important. I make sure that I pay these expenses on time. However, I know that it is also important to have enough money set aside for my retirement years, as I have no intention of working into my 80’s and beyond (if I’m fortunate to live that long, God willing, lol).

How do you pay yourself first?

You do this by first doing your due diligence and research on investment vehicles that give you the most “bang for your buck”. Second, you then take action and actually go through with investing your money. You do not need a huge amount of money to start investing; you can start investing with small amounts. The important thing is just to start–somewhere. If you wait until you either “have enough money” or for “the right opportunity”, be aware that the clock is always ticking and once the time passes, it cannot be made up. Remember the old saying, “Time waits for no one”.

There are several vehicles that you can use that will help you save money for retirement, such as:

  • CD’s
  • Mutual funds
  • Stocks and bonds
  • 401k’s and 403b’s
  • IRA’s (Traditional and Roth)
  • Self-directed IRA’s
  • Real estate investments

Which vehicle will give you the most “bang for your buck”?

I cannot advise you as to which vehicle listed above is best; I think it is an individual choice based on your comfort level of risk and other factors.  Since I am not a financial adviser, I would highly suggest you speak to a tax accountant, licensed financial adviser and/or financial planner. As I mentioned before, do your due diligence and research on the investment vehicle you want to put your money in.

I hope that I have given you some insight as to the importance of paying yourself first in your journey towards building wealth. If you want to get started building wealth but do not have the money, I suggest that you check out my #1 recommendation for earning income and building wealth. Remember, the sooner you get started, the faster you can achieve either of the scenarios I presented at the beginning of my post.

I sincerely welcome any comments or questions you may have regarding this. Feel free to leave your comments below.  Thank you for taking the time to read my post.




“It’s healthy to be wealthy”






Playing Cashflow–Does This Game Increase Your Financial Intelligence?

Hello Everyone,


I am continuing my discussion on the importance of increasing your financial intelligence regarding acquiring wealth. In my previous post, Changing Your Financial Mindset is Key to Creating Wealth, I mentioned that one way I applied some of the principles mentioned in Robert Kiyosaki’s Rich Dad, Poor Dad  is by playing his board game Cashflow.

One of Mr. Kiyosaki’s catch phrases regarding this game is “The more you play the game, the richer you become”.  Based on my personal experience, I have to say that this statement is somewhat true–in the sense that I have learned how to better recognize a good deal when I see it. In addition, now I am not as fearful of making a deal ( buying stock, or making a down payment on a property, etc.) as I was the first time I played the game.

Cashflow’s Unique Features

I think that Mr. Kiyosaki is a genius in the way he created this game.

1. He actually depicted the “Rat Race” as a real circle on the game board. The markings on the board include: 3 Paychecks, 1 Downsized, 1 Baby, 3 Market, 3 Doodads, 1 Charity, and 12 Opportunities. These markings reflect what basically happens to people in life. We tend to run in “circles”–a seemingly never-ending cycle. We live paycheck to paycheck, try to keep expenses down but at the same time, buy things we can’t afford and/or don’t really need. The goal is to create enough passive income that exceeds your monthly expenses by first investing in either big and/or small opportunities and then selling those investments. You have to do this despite having some “life events” along the way, such as making frivolous purchases that increase expenses (doodads), being downsized, or having children ( up to 3 babies/player).

Rich Dad Cashflow 101 Board Game

2.  The Fast Track is composed of business investments and dreams–things where the rich like to spend or invest their money. The dreams are represented on the board as pink spaces. Before the game starts, you get to choose your “dream” by placing a piece of cheese on it.  Businesses are represented as green spaces. Once you purchase a business, you get to place a token on that business, and it’s yours for the duration of the game; no one else can take it away from you. These businesses also have monthly cash flow which is how you build passive income.

3.  Passive income is earned on the rat race track by making investments on the big deal, Cflow Opp Cardssmall deal opportunity cards and market cards. Landing on an opportunity space gives a player the option to choose either a big or small deal investment. The largest Small deal costs $5000; the smallest Big deal begins at $6000. A player will decide which opportunity to invest in based on amount of cash on hand and how much he/she is willing to risk. Market cards are those where a player will find buyers for his/her investments.

4.  Each player is randomly given a Profession Card. These cards differ in income, expenses, assets, and liabilities.  A player transfers information from one of these cards to a Cflow Profession Cardblank balance sheet that is used for the duration of the game. A player’s financial intelligence (how well he/she can spot a good investment opportunity) will be influenced by the information contained on these cards.




Does Playing  This Game Increase Your Financial Intelligence?

Having played this game many times over several years, I have to say that my financial intelligence has definitely increased. I’ve made the following observations:

  • It does not matter what profession you are dealt at the start of the game. It is definitely possible to get out of the rat race and onto the fast track if you have either a low salaried profession or a high-salaried profession with a lot of expenses.  Most often, people tend to think that the more expenses they have, the less cash is available to buy assets.
  • An opportunity that is perfect to invest in if I played the game today may not be the perfect opportunity to invest in tomorrow.  You have to know when to go full steam ahead and invest in an opportunity and when not to.
  • How to control the fear of failure.  Even though fake money is used to make purchases or buy assets, I still found myself fearful of spending that money. I had this big fear of becoming bankrupt and losing the game. The best way I know of getting over this fear is to just continue playing the game. You cannot just stick your big toe in a pool of water and expect to win; you have to jump in and at least get both feet wet.  Expect to make mistakes but learn from them.  I’d rather lose fake money with a bad investment in playing Cashflow than lose money in real life.  Each time I’ve played Cashflow, I learned something new, and I have begun to spot opportunities that I would have never considered before.
  • Remember the real goal of playing Cashflow–to increase financial intelligence by buying assets that increase your passive income so that it exceeds your expenses and gets you out of the Rat Race. Once out of the Rat Race, you are free to enter the Fast Track where you can buy businesses and/or purchase your Dream.  I’ve played the game with other people, and I marvel at people’s mindsets and how they play the game.  For instance, I’ve played with people who are content to just collect their income every time they land on “paycheck”. They seem to have no interest whatsoever in purchasing any assets that would help them get out of the Rat Race.

In conclusion, I hope I have shed some light on why it is important to increase financial intelligence when your goal is to increase wealth. It’s a good thing to want to increase wealth, but it’s even better if you know what to do with it and how to maintain it.  There are several ways to achieve this, such as by reading books (i.e R. Kiyosaki’s Rich Dad, Poor Dad) or by going to seminars. However, I highly recommend playing Cashflow.  You have a choice in playing either the E-game (electronic) version, or the board game version. I think the board game is better because you actually get a better understanding in using the balance sheet as opposed to the calculations being done for you by the computer in the electronic version.

If you have either played or currently play Cashflow or have any questions or comments, I would welcome your feedback.  Thanks for taking the time to read my post, and I wish you much success.



Promise to Keep Your Word…And People Will Love You For It


Have you ever met or come across someone who says one thing and does the opposite, or makes promises that are not kept? In addition, that person never even bothers to tell you why–they just leave you hanging without any explanation whatsoever.

I am writing this post because I want to vent my feelings about one of my biggest pet peeves—people not keeping their word; not doing what they say they will do.

Why People Don’t Keep Their Word

  • Simply “forgot” about what they promised
  • Something else came up (life happens) and could not keep the promise
  • Think that “it’s not that big a deal” if the promise is not kept
  • Simply changed their mind

What inspired me to write about the importance of keeping one’s word? I do not like it when people waste my time.  I tend to take people at their word; if you say that you are going to do something, I expect you to do it. I can waste my own time by myself; I don’t need anyone else to waste it for me. I think it is very important that people remember the importance of being reliable and trustworthy–keeping one’s word.

Here’s what happened:

I was supposed to meet a friend for an early lunch before he had to go to work. It never happened because my friend, for some reason, did not think it was important enough to notify me that we were not going to meet for lunch as planned. What makes it really bad is that it was HIS idea to meet for lunch in the first place. He finally called me (well after the time we were supposed to meet) and I asked him why we did not meet for lunch as planned. He told me that he left a voice mail message on my cell phone stating his reason why. Why he did not want to tell me right then and there I don’t know. So I indulged him by hanging up to listen to his voice mail message. The voice mail message said that he was on his way to work. As for why we did not meet for lunch, he said that he wasn’t feeling well.

I can understand that he did not want me to see him because he was not feeling well (just in case you were wondering, his illness was not life-threatening).  However, that does not justify not notifying me in a reasonable time before we were supposed to meet for lunch.

What is the lesson to be learned?

 Keep one's word 2

I’m not going to pretend that I have not been guilty of not keeping my word.  I’ve let people down by doing the very thing I hate being done to me. I make a concerted effort to do what I say I will do–I don’t make promises I can’t keep. However, once you discover that you have let someone down by not keeping your word, the first thing you should do is apologize to the other person. The worst thing you can do is not apologize and just hope that the other person will “forget” that you’ve let them down because you think it’s no big deal and/or it does not really matter.

Well that person may not tell you, but  deep down inside, it does matter. That person may be thinking “Can I trust his/her word the next time?”

Keep one's word 1

It may be possible that the other person may have forgotten about the whole thing and not feel slighted at all. Nevertheless, the sooner you apologize to the other person and make a concerted effort to keep your word the next time around, you will feel less guilty and be better off in the long run.

What are your thoughts about this? Your thoughts and/or comments would be greatly appreciated.  Have a great day, and thanks for reading my post.




  1. Are you sick and tired of joining so-called business opportunities that take your money promising that you will make money easily but it never comes true?
  2. Are you sick and tired of being lied to by website owners or gurus who promise to give you guidance and support but fail to live up to it?

Well, I am happy to let you know that I am a member of a community of people who provide guidance and support when I need it regarding setting up websites and running successful online businesses. Welcome to Wealthy Affiliate; this community is run by 2 owners who definitely do their best to keep their word in helping people start and maintain successful online businesses. It’s free to join and you can start learning immediately either how to begin making money online or improving your existing online business.




Changing Your Financial Mindset is Key to Creating Wealth


Do you know anyone or have you heard about anyone who seems to be financially sound or rich (has lots of money, has lots of valuable assets, living his/her dream life) only to lose it all later on?

I’m sure that you have heard about people who have won the lottery for millions of dollars only to lose it all mainly because of overspending and poor financial decisions. This just goes to show you that a poor person that suddenly becomes wealthy will just be a poor person with money, especially if that person has the wrong financial mindset. In order to create wealth and to maintain it, your financial mindset must be either adjusted or changed.

How do you change your financial mindset?

Your financial mindset can be changed by learning how to increase your financial intelligence.  I started increasing my financial intelligence by reading several books on the subject, one of which is Rich Dad, Poor Dad by Robert T. Kiyosaki with Sharon L. Lechter.


Here is a brief video discussing the main points I picked up from reading this book:



How I am applying what I’ve learned from Rich Dad, Poor Dad:

1. Minding my own business

  •  I am constantly paying myself first, such as investing in self-directed IRA’s and my job’s 401K plan. My money contained in these assets are working for me 24/7.

2.  Building my assets and eliminating or decreasing my liabilities.

I am making a concerted effort to put in the time and money it takes to make my online  affiliate business, such as Wealthy Affiliate, successful.

  • My Asset:  Wealthy Affiliate- a program that provides training and support in starting and maintaining a successful online business
  • My Liabilities: Home based opportunities that haven’t worked for me as well as Wealthy Affiliate. Therefore, I’ve decided to stop wasting time and money on these so-called opportunities

3. Increasing my financial intelligence.

My boyfriend and I have started playing a board game created by Robert Kiyosaki called Cashflow. The object of the game is two-fold:                                                        

a. To get out of the “Rat Race” (defined as living paycheck to paycheck, never getting ahead financially) by investing in things that create passive income.  In order to get out of the Rat Race, your passive income must be greater than your total expenses.

b. To get onto the “Fast Track” (defined as being financially free to buy just about anything you want) where you can afford buy your dream or earn more than $50,000 in passive income.

If you are interested in making money online and/or starting a business but have no idea of how to get started, I highly suggest that you consider beginning with Wealthy Affiliate.
With the training and support provided with a Free starter account, you will have a strong foundation on how to build a successful online business.
Also, read the book Rich Dad, Poor Dad for more information about increasing your financial intelligence.

Please feel free to comment or ask questions; I will be happy to help.

To your success,




The Solavei Mobile Phone Revolution–Is it Hot or Not?

  1.  Do you own a cell phone or a smart phone?
  2.  Are you locked into a long term, expensive contract with your current mobile service provider?
  3.  Would you be interested in having the opportunity to get paid when people use their cell phones and also help them save money on their cell phone bills?

If the answer is yes to all 3 questions, then sit tight, and let me tell you about Solavei– a company that is helping people save money on their cell phone bills and make money helping others to do the same.

Solavei_Logo_4c_notag_150  What makes Solavei stand out from its competitors?

Solavei offers its members low-cost mobile phone service through T-Mobile’s 4G network. However, as a way of saying thanks, Solavei pays its members as a reward for simply sharing or spreading the word about Solavei to other people who also join.  While the other mobile phone service providers, like Sprint and AT&T, spend millions of dollars in advertising, Solavei instead relies upon social media and the word of mouth of its members to provide most of the advertising.

To help its members spread the word, Solavei provides a social commerce platform that enhances their social connections. This is extremely innovative as Solavei is the first Solavei phone-cans-255x255company that I know of to do its advertising in this fashion.  Think about it–millions of people talk to each other every day about their cell phone service; why shouldn’t they be rewarded for it if it generates more revenue to the cell phone service provider? It’s been proven that behavior that gets rewarded is often repeated over time.  I don’t know about you, but I wouldn’t mind getting paid for just sharing information about Solavei with others to get them to join as well.

What are the benefits of using Solavei mobile phone service?


In addition to the above mentioned bullet points, here are some additional benefits:

  • You can keep your current cell phone number and cell phone.  As long as your phone uses a SIM card, it will most likely be compatible with Solavei’s software. However, it must first be unlocked before making the switch to Solavei.
  • Solavei software is now compatible with the iPhone 5.   Originally, Solavei software was not compatible with the iPhone. For those of you who have this blind allegiance to the iPhone and do not wish to part with it, Solavei has listened, and has adapted its software to now accommodate the iPhone.
  • There are more low-cost cell phone plans available besides the popular $49/month plan.  There are also plans which cost $39/month and $69/month, depending upon how you utilize your phone.
  • All members receive a Solavei debit card which allows them to participate in the Solavei Marketplace.  In addition to this card being automatically loaded with monies earned for getting others to join, it also allows members to get up to 15% cash back on everyday purchases from top major retailers.
  • Potential to reduce or completely eliminate your monthly cell phone bill. Solavei pays its members $5/month for each referral who joins and keeps an active account. If you really embrace the concept of using your mouth to share information about Solavei, you could very well eliminate your phone bill (yes this means FREE phone service) because the cost of your phone service will be offset by the amount of monies earned as a reward.
  • Has affordable international calling card plans with over 200 countries.  Allows you to save money on making long-distance phone calls to family members who live outside the US.

Possible Drawbacks

  • Must buy a new phone if your current phone is not compatible with Solavei phone service.  This can be expensive for those with limited budgets and cannot afford to purchase a new phone.
  • Constant text and automated phone messages alerting you that your bill payment is due. I don’t know about you, but I do not like to be constantly reminded that my bill payment is due. One text and/or automated phone message is enough. Anything more is annoying.
  • May have to pay an early termination fee with current mobile service provider.  If you are currently under a 2-year contract with another provider and wish to switch to Solavei, you may incur an early termination fee to void the current contract, which can be quite expensive.

How has Solavei helped me?

Let me be real. Prior to Solavei, I had AT&T as my cell phone service provider. I was paying about $89/month, $1,068/year.  With Solavei, I signed up for the $49/month plan, which cost me about $588/year, saving me $480.  I recently switched to the $39/month plan, which will save me even more money. Bottom line, Solavei has helped me save money.  Solavei can help you save money too, if you open your mind to change for the better by cutting ties to your current mobile phone service provider, who is not giving you anything in return for your loyalty as a customer.

It’s amazing to me when I tell others about Solavei and how they can earn extra money, I get the “deer in the headlights” look from them, as if they think I’m crazy or am speaking a foreign language.  It seems as if they are somehow “joined at the hip” with their current service provider and can never let go… They may be under a service contract and do not want to pay an early termination fee.  I understand that. However, they have a choice–they can either wait until their current contract expires and then make the switch, or they can pay the early termination fee and join Solavei. If they choose the latter option, I would advise them to first calculate and compare the savings vs. fees paid. This was the option I chose. I actually saved money by paying the early termination fee of my previous phone provider and then joining Solavei.  But people, being creatures of habit and resistant to change, will still keep their current service provider, pay more money in bills, and get nothing back (no money) as a reward for being a loyal customer–go figure.

Here’s a brief video on what Solavei is all about

I’m interested.  How can I find out if my phone is compatible with Solavei?

There are 3 easy steps to perform: Click here to get started

  1. Check to see if Solavei has phone service in your area
  2. Check to see if your phone is compatible with Solavei network
  3. Sign up and start saving money on your next phone bill

What do you think? Is Solavei Hot or Not?

If you have read my post this far, and are still undecided about Solavei, just consider the basics:

  • low cost service plans
  • get paid $5 for each referral who joins Solavei and keeps an active account (chance to earn extra income)
  • potential to have free cell phone service (once you have enough referrals with active accounts)

Versus: More expensive cell phone service and NO chance to earn extra income (you are NOT paid for getting others to sign up for service)

Doesn’t take rocket science to decide–money talks. Why not go for the plan that pays you for something as simple as sharing information about a service with others and getting them to join? Oh, I forgot to mention that Solavei also allows people to join for the opportunity to make money only; they can keep their current cell phone service.

Therefore, in my opinion, Solavei is HOT, and you should at least give it a try. But of course you have to decide for yourself. Please feel free to comment and ask questions as I will be glad to help.

By the way…

If you like this blog post, and are interested in wanting to either start your own blog or make money online, I highly suggest you check out   Wealthy Affiliate. This is a community of network and online business marketers who are dedicated to helping each other run successful online businesses.  It’s free to join to get started.  Whether you are new or experienced in network marketing, Wealthy Affiliate has something for everyone.

Best wishes,