By: Stefan Aarnio
Freedomway.ca
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Get Stefan Aarnio's book "Money People Deal: The Fastest Way to Real Estate Wealth" at MoneyPeopleDeal.com!

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Better than a thousand days of study is one day with a great teacher. – Japanese Proverb

When most people get started on the path to "self made wealth", many of us choose one of the following:

1) To become a real estate investor
2) Start a business with an MLM company aka Multi Level Marketing

Both of these paths are very difficult and there is no easy way to success. For myself, I chose to become a full time real estate investor and dedicated all of my resources towards success in my field. In some ways, I envy the people who start with MLM companies because MLMs are:

1) Cheap to start
2) Come with training
3) Have an "Upline" of information (aka coaches and mentors are part of the system)
4) Build a residual income by establishing a team or downline
5) Offer great and cheap personal development programs

When I look back on the resources, time, money, opportunity cost and risk that I spent to get into professional real estate investing, I am astounded at the "startup cost" of the business. In many ways, an MLM would have been safer, cheaper, and faster than becoming a pure real estate investor. Here is why,

Real Estate Investing is:

1) Expensive to start (down payments are expensive and training is expensive)
2) Mistakes are expensive
3) Risk and leverage can crush you
4) No set path for success
5) Coaches and mentors are hard to find

However, as I advance further into Real Estate Investing, I begin to see more similarities between Real Estate and MLM's than differences.

The first similarity is what I would call an information "up-line".

THE UPLINE

One of the biggest mistakes that I made when starting out in business (first music, then debt buying, then real estate) was that until fairly recently, I had absolutely no informational up line. I define an informational up-line as a coach, mentor or teacher who has more experience in the business, a higher degree of success and has accomplished what I was trying to do. Completely ignorantly, I fumbled around in the dark for far too long making costly mistakes. Appropriate coaches and mentors could have prevented 90% of my mistakes, but I was too cheap to hire one.

"The only way to know the right steps to take is to study with those already taking the right steps. Douglas Vermeeren"

MLM's are smart businesses because many of them come with an up-line of information. The up-line shows you the ropes and teaches you how to achieve success in the business. In real estate investing, I have paid some obscene fees to coaches and mentors to correct my past mistakes and take my business to the next level. What is even crazier than the fees I pay are the results. Although the fees are high, the results are always worth it. If you are in real estate investing, and don't have an "up-line" to help you on your path, I would suggest that you get one immediately. Of course, your "up-line" will have to be paid somehow, so consider paying a fee or give them equity in a deal you are doing. One of the reasons why I love real estate is that it is a blank canvas, whatever you wish to create, you can create. The possibilities are endless.

A mentor is someone who allows you to see the hope inside of yourself – Oprah Winfrey

THE DOWNLINE

In multi level marketing, there is an up-line of experienced mentors to help you in the business, and of course, you have a downline underneath you to push you to higher levels of success. In real estate investing, you must build a downline as well. The downline, in my opinion, is everyone on your team who helps you build a passive income. These people are:

1) Your contracting teams
2) Your wholesalers
3) Your bird dogs
4) Your realtors
5) Your property managers
6) Other investors who invest in you and refer business to you

I have made it my mission to adopt the Coca-Cola philosophy and "pay everyone who touches the product". Anyone who refers business to me, whether it be realtors, bird dogs or other investors, will always get paid in cash or equity because these people make me income, and mostly passive income. It's my job to be the up-line and train everyone on the team to work together, work efficiently and work the way I want them to work. I must educate them so that they can be the best team members possible and help me achieve success.

THE SUMMARY

The more I study the business of real estate investing, the more I see that real estate is the same as an MLM company. If you are not yet started in real estate, I would recommend joining an MLM for the training to learn how to run a business. More investors fail to become professional investors because of a lack of soft skills in general business. Many investors know how to do deals (real estate is very primitive), but have no idea how to run a business. The skills you can learn by joining an MLM are priceless. I chose to bi-pass this education and paid a much higher price for my skills. Looking back, having an MLM business on the side would have saved me a lot of time, money and effort. If you are in real estate today, make sure you have an up-line and build a profitable down-line - It's imperative to your success.

Thanks for reading,
Stefan Aarnio
Freedomway.ca
facebook.com/stefanaarnio
https://twitter.com/stefanaarnio
http://ca.linkedin.com/in/stefanaarnio

Get Stefan Aarnio's book "Money People Deal: The Fastest Way to Real Estate Wealth" at MoneyPeopleDeal.com!

P.S: Please share this article if you found it enjoyable!

By: Stefan Aarnio
Freedomway.ca
facebook.com/stefanaarnio
https://twitter.com/stefanaarnio
http://ca.linkedin.com/in/stefanaarnio

Remember: Please share this article if you found it enjoyable!

Robert Kiyosaki defines intelligence as “the ability to make distinctions”. For example, an interior designer will be able to make distinctions between 15 shades of blue giving them specific names like “azure”, “indigo”, “sky blue”, “royal blue”, “navy blue” etc.

A cigar connoisseur will know the difference between a fine Cuban cigar and a fake.

An investor should know the difference between money and wealth. Unfortunately, most investors do not know the difference.

Everyday we wake up and chase the pursuit of happiness. For most people, money is part of the equation. Everyone would like to be rich and rich means an abundance of money. However, there is a huge distinction between money and wealth.

A person can be wealthy and not have any money. Logically, the opposite is true as well; you can have lots of money and zero wealth.

Sports stars that make millions of dollars per year and lottery winners are examples of people who can make lots of money but have zero wealth.

On the other hand, a retiree with a solid income from their investment portfolio may have wealth but very little money to throw around.


What is wealth? What is money?

Wealth is measured and defined in time. The question we must ask is “if I stopped working today, how long could I survive?” If the answer is “forever”, then you have wealth. Many people who live paycheque to paycheque could only survive for a few months if they stopped working. These people have very little time to survive and very little wealth.

I recently heard a statistic that over 50% of American households are 1 paycheque away from bankruptcy. This may or may not be true, but it paints a grim picture of the lowest level of wealth. One paycheque is only 2 weeks worth of wealth and a very low level of survival.

Money on the other hand is much easier to define. Money is measured in dollars and all we have to do to measure dollars is count. The key with money is to learn to exchange dollars for wealth.

Traditionally speaking the rich are very good at trading dollars for wealth (assets that produce passive income), the middle class are good at trading dollars for liabilities (houses, cars, cottages) and the poor are good at trading dollars for expenses (flat screen televisions, booze, rent).

This year in my Real Estate portfolio I focused mostly on wealth rather than money. I built wealth this year through multiple income streams of both business and real estate. To myself, I consider it important to build income streams early in my life. I wanted to create wealth and the ability to survive “forever” without a paycheque so that I could become creative in my free time.

At the time of writing I have multiple income streams and can survive “forever” which means that my passive income is greater than my expenses. However, wealth alone is not enough to win the game of money. We need both cash and wealth to get the most out of life because dreams aren’t cheap.

In the words of the American billionaire Bill Bartmann “Cashflow buys you time, profits buy you praise”. Both cashflow and profits are required to win the game, the question is which one do you focus on today.

For most people with a paycheque, they should focus on learning to create wealth and multiple streams of passive income through real estate, dividend bearing stocks, internet businesses, traditional businesses, or joint ventures.

For people with wealth, they may be interested in creating more cash and liquidity through business, real estate and joint ventures.


The game of money is a game of balance and this year for myself, I will be starting the year off with a “cash” strategy; I have achieved a level wealth, which has freed up my time and will be pursuing my strategy to take my brand to the next level.

What are you doing this year to take your game to the next level? Will you be pursuing cash, wealth or both? Please discuss your strategy in the comments below.

Thanks for reading,
Stefan Aarnio

Freedomway.ca
facebook.com/stefanaarnio
https://twitter.com/stefanaarnio
http://ca.linkedin.com/in/stefanaarnio

P.S: Please share this article if you found it enjoyable!

By: Stefan Aarnio
Freedomway.ca
facebook.com/stefanaarnio
https://twitter.com/stefanaarnio
http://ca.linkedin.com/in/stefanaarnio

Remember: Please share this article if you found it enjoyable!

Everyday we wake up the morning, we go to work, we earn a living, we come home, we go to bed and do it all over again. Some of us earn a living doing what we love; others earn a living doing things that are tolerable. However, we all earn money the same way – we sell.

The question is, what do you sell?

Most of the population sells their time or a derivative of their time. A Janitor sells his time at a certain rate per hour. A doctor sells his time at a higher rate per hour. As long as we are selling time, labor and skills, we are bound to the labor that we sell.

Years ago, I used to teach guitar to teenagers out of my living room. The work itself was rewarding, enjoyable and fun. However, the part of the job that I hated was that I was tethered to the living room and could not leave town if I wanted to. Every Tuesday, Wednesday and Saturday I had to be in the living room to teach the kids. If I wasn’t teaching, I wasn’t getting paid. Going away on a trip was impossible because I would have to reschedule everyone and give credit to my customers in the summertime which would eat into my vacation time.

While working as a guitar teacher, I decided that selling time was not for me.

I also had a rock band that I played in and managed on the side and the great thing about the band was that I learned how to sell other things besides my time.

I used to put on little rock shows at community centers in Winnipeg and I generally lost a lot of money with those shows. The formula was simple and poorly thought out; put in all the money, take all the risk, invite other bands to play and pray that people showed up to buy tickets to the show. 90% of the time, the bands would not draw a crowd and I would lose money; until I got smart.


Instead of renting the most affordable venue I could find, I started to rent the best venue in the city that I could NOT afford. I would put up $100 as a down payment on a $1000 venue to control a day on the calendar. I would then get tickets printed and sell spots in the show to other bands. I would sell the tickets in the show wholesale for $300 per band and would make profit before the show started. I would then make additional profit at the door and profit off of the merchandise.

Instead of selling time I sold: space, tickets, and merchandise. I liked selling space instead of time so I started to study real estate and today have put myself in a position where I no longer have to sell my time. Instead of selling my time, I sell space in my rental units and the space allows me to earn a living.

Unfortunately for most people, selling is a dirty word. Most people hate selling, they think it’s cheap, they think they are ripping people off, they don’t like rejection, they fear approaching others and asking for money. What is even more unfortunate is that we all sell everyday: we sell our time to our employers, we sell our girlfriend/boyfriend as to why they should date us, we sell our kids on why they should be quiet and stop screaming. Everyone sells, it’s the only way to make money and we have no choice over whether we sell or not – we must sell. However, we do have a choice over WHAT we sell.

We do not have to sell our time; we can sell many other things that are not tied to our labor. Real Estate and business are two ways that we can break the link between time and money and begin to sell things other than our time. When we build a business we get to choose what we are going to sell and begin to take full control of our lives.

There is only one way to make money in this world, and that is to sell. What do you sell to earn a living?

Thanks for reading,

Stefan Aarnio

Freedomway.ca

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https://twitter.com/stefanaarnio

http://ca.linkedin.com/in/stefanaarnio

P.S: Please share this article if you found it enjoyable!

By: Stefan Aarnio
Freedomway.ca
facebook.com/stefanaarnio
https://twitter.com/stefanaarnio
http://ca.linkedin.com/in/stefanaarnio

Remember: Please share this article if you found it enjoyable!

Beauty is in the eye of the beholder, and so is value.

Everyday, we, the human race, wakes up and chases value until we drop dead from exhaustion at night.

It doesn't matter if you are Donald Trump sitting on a multi billion dollar real estate portfolio or monk in a temple. We are all chasing value.

The real question is, what is value and what is valuable?

Of course, value is highly subjective and can be very hard to determine.

I always find it interesting to see how excited people are to buy new clothes. Shopping malls are filled with rabid people who are frantically purchasing new garments to wear and 6 months later the clothes that they purchased will be donated to charity or thrown away.

The value of the clothes goes from "I will sacrifice my financial health to wear this" to absolutely "I will never wear this piece of garbage again".

The same thing happens with electronics. The day that apple releases a new iPhone or iPod, people are camping out overnight to get their hands on the new gadget and will pay a mortgage payment to own it. 6 months later, the same people are giving the old iPhone to their dog or are using it as a coaster on a coffee table because the newer, thinner model came out.

But what about investments? Real estate? Houses?

What is the true intrinsic value of a house?

Most middle class people will say "our house is our biggest asset"!

Most middle class people will have nearly all of their net-worth tied up in their home.

But what is the house actually worth? What is any house actually worth?

The truth is, all real estate is actually worth $0. Land and buildings are completely worthless.

If you would like to see the true value of land and buildings, drive to Detroit where you can buy a city block for $1 and nobody wants to buy it. People who live in detroit would rather have a $1 Taco at Taco Bell than own the liability of a city block.

Land, real estate, houses, and buildings only get value when there is a USE for it and an END USER. The end user places his or her subjective value on the Real Estate and that is where values come from.

There are more people who want to live in Manhattan than Detroit. That's why Manhattan real estate is worth so much more than Detroit.

At the end of the day, Real Estate is only worth what the end user is willing to pay. However, one metric I have been using more and more of lately is dollars per square foot.

When comparing two similar properties, dollars per square foot is one of the best ways to measure the current and future value of the property.

For example, in Winnipeg right now, many houses trade in the $200-$250 per square foot range. If you can make a purchase at $100 per square foot in an area that is trading at $200-$250, you have an opportunity for profit.

Construction in Winnipeg for a new build is approximately $200 per square foot, so if you can purchase for less than $200, you are getting the house cheaper than it would be to build. Likewise, if you pay $270 per square foot, you are paying more than it costs to build.

When analyzing retail single family homes, dollars per square foot is an excellent metric for intrinsic value of the property.

BUY ON INTRINSIC VALUE, SELL ON EMOTIONAL VALUE

One of the easiest ways to profit in any market is to:
1) Buy on intrinsic value and
2) Sell on emotional value

There is always profit in markets that have irrational buyers. Irrational buyers means that irrational amounts of money are floating around looking for irrational products.

For example, the neighborhood River Heights in Winnipeg is a desirable neighborhood where people will pay irrational amounts of money to get their kids into the local schools. In River heights properties trade for $200-$250 per square foot, prices that are well above cost to build.

However, in up and coming parts of town, there are "rational" buyers who will only pay prices that less than construction prices. These areas will trade at $150-200 dollars per square foot.

The key for profit is to buy with on an intrinsic value, pump the value and sell to an emotional, irrational buyer. The irrational buyer is unconcerned with what they are actually paying. They WANT the product and perceive that they NEED it. If you have a business, you want irrational buyers. Irrational buyers are consumers who allow you to create massive spreads in your products and grow your business.

Do what you can to attract irrational buyers. When you capture these buyers, take great care of them, and they will take great care of you.

Thanks for reading,
By: Stefan Aarnio
Freedomway.ca
facebook.com/stefanaarnio
https://twitter.com/stefanaarnio
http://ca.linkedin.com/in/stefanaarnio

P.S: Please share this article if you found it enjoyable!

By: Stefan Aarnio
Freedomway.ca
facebook.com/stefanaarnio
https://twitter.com/stefanaarnio
http://ca.linkedin.com/in/stefanaarnio

Remember: Please share this article if you found it helpful

If you were offered $35,000 a year to sit at a toll booth and collect change from cars crossing a bridge, would you take the job?

Or would you decline and look for the next opportunity?

What if you were paid $100,000, $200,000 or $300,000 for the same task? Would you take the job?

What if you were paid $1 a year to sit at the same tollbooth?

For myself, I would not sit at the tollbooth for any amount of money because money earned at the tollbooth is “dead money”.

We are human “be-ings” not human “do-ings”.

Daily tasks that help us become the person we want to become create life, energy and success. These tasks have purpose, feed our spirits and nourish our souls; By performing tasks we enjoy, we become the person we want to “Be”.

If a task or job does not bring us closer to the person we want to become, we earn dead money and in some ways, waste our time, effort and energy.

Eventually if you earn enough dead money, you won’t be able to get out of bed in the morning.

Dead money is a term I learned from Raymond Aaron, a New York Times best selling author. Raymond explained that the money he earned from his published books that were unaligned with his core purpose were “dead money”. In some ways, these books hurt his brand, wasted years of his life and were very expensive in opportunity cost.

In my own business, I make sure every action I do advances my career by building brand-equity or by earning cash AND brand equity. If I am able to monetize my actions and build my brand equity at the same time, I make the biggest gains in spirit and in my bank account.

My mentality is: Even if I earn $0 at the end of the year, but have built a $1,000,000 brand, I succeed. Steve Jobs paid himself a salary of $1 while he was the CEO at apple because his mission was to build the company and put a dent in the universe by challenging the status quo. I have a similar philosophy to Steve Jobs who I have idolized since 6th grade when I first learned about who he was and kept a picture of him on my desk at school.

I am fortunate enough to aware of my brand and purpose, the average person does not consider his or her brand, his brand equity, who he is, who he wants to become or where he is going in life. For the average person, this is very unfortunate.

These people are stuck in “dead end” jobs that are either high paying or low paying and every dollar they earn is a “dead dollar”. The dollars they earn do not build their dream or advance their career.

If you earn enough “dead dollars” you will eventually build the bars of an emotional prison.

Money is a medium of exchange and a currency because it needs to move in order to be relevant and useful like electricity or water.

If money stops moving, money dies.

If people stop moving for long enough, people die.

If the spirit stops moving, the spirit dies.

If you are earning money in your career, but are NOT moving towards becoming the person you wish to become, your career and spirit will eventually die.

Years ago I used to work Frito-Lay, the company that makes Lay’s chips and Doritos. I used to put chips on shelves at Wal-Mart every morning at 4:00 am and I earned a disproportionately high salary for doing so. Walmart employees stocking chips at 4:00am were making $8 per hour, I was making closer to $20 per hour to do the exact same task.

However, every dollar I earned was dead money.

The money was dead because although I was earning money daily, I was not advancing towards my goal of becoming an entrepreneur. The money was good, but my soul was dying. I was becoming a professional shelf stocker and not a professional entrepreneur. I was NOT advancing towards the person I wanted to become. The life that I wanted was not being built with my actions and consequently I was earning dead money that did not help me in my pursuit of happiness.

Many people think that earning money in itself is a good return on time, but in fact, earning dead money is a complete waste of time, waste of spirit and a waste of life.

Would you rather live a life of poverty doing what you love or a life of riches in a life of indifference?

Most people will say that they would rather do what they love and live in poverty. However, 70% of people are not happy with their current jobs or current careers.

70% of people earn dead money every day.

A wise man once said “Talk is cheap and money buys the whiskey.” What this wise man is saying is that most people say whatever makes them sound good: “I would rather do what I love” but their actions do not align with their words.

Remember: Talk is cheap and Money buys the whiskey.

I’m not saying that we should choose a life of poverty out of passion to pursue what we love. I’m a firm believer that we can “have our cake and eat it too”.

I think it’s 100% possible to do what you love, monetize it and become rich. 

I believe you can have it all, happiness, love and money. When it comes to happiness, love and money; there is always enough for everyone.

Obtaining happiness and money is a topic of major study for myself at this time in my life. What I find is that the more I love my career, the more I love my daily routine, the more fun I enjoy, and the more money I make.

Fun = money.

Love = money.

Enthusiasm = money.

Money = life.

The more fun, love and enthusiasm I enjoy, the more life I have, and my wallet benefits as well.

I have abandoned the pursuit of “dead money” and if a task or job doesn’t line up with my mission, my vision and who I want to become, I will not perform it.

Do what you love and the money always comes.

Complete the mission and the money always comes.

Provide enough value and the money always comes.

Money is a result of a job well done; it is an effect, not a cause. Actions performed at a level of excellence equate to money earned. Money itself can never motivate someone to be better, achieve excellence or create more value because money intrinsically has no value.

Money is intrinsically dead, we are the ones who breathe life into money. People are the ones who attach external value to money and we use it to build our dreams.

Money is neutral and money doesn’t care. Money doesn’t cry for you when you are sad and money won’t drink champagne with you when you want to celebrate.

Money will, however, buy you a bottle of champagne.

Money can either be alive or dead depending on how we earn it. It is up to us as the wielders of money to respect the neutrality of money, breathe life into money and allow money to flow through us in our personal pursuit of happiness.

Money, life, spirit, happiness, enthusiasm and joy are all currencies and we must allow them to flow.

If we allow money, life, spirit, happiness, enthusiasm and joy to flow through us, we will become congruent. We will prove our integrity and the universe will reward us for respecting it’s laws and creating abundance.

If we shut off our spirit, enthusiasm and joy, then we also deactivate the spiritual power of money and the power of life.

If we deactivate the spiritual power of money, the money we earn will die the moment it touches our hands. Instead of using our earned money to build our dreams, our dead money will build an emotional prison around us where we are forced into slavery for the all-mighty dollar.

When we align with the person we want to become, we earn the Midas touch and everything we touch turns to gold. When we are out of alignment, we earn the touch of death.

Ask yourself; do my daily actions help me become the person I want to become? Am I earning dead money? What is my purpose? How am I achieving my purpose?


We all have the Midas touch if we can find our purpose deep down inside of ourselves. Respect money as a tool; respect the neutrality of money and the power of money. Allow money to live and money will let you live the life of your dreams.

Disobey money, kill money and you will find yourself in financial prison. Don’t let money die.

Protect money and it will protect you.

Thanks for reading,
Stefan Aarnio

Freedomway.ca
facebook.com/stefanaarnio
https://twitter.com/stefanaarnio
http://ca.linkedin.com/in/stefanaarnio

P.S: Please share this article if you found it helpful

By Stefan Aarnio
Freedomway.ca

Remember: Please share this article if you find it educational!

Photo: Soldiers in the Afrika Korps with an 88mm gun.

A wise man once said "wars are won by legs, not by arms".

One interpretation of this quote is: battles are won by distance covered, not by physical strength exerted in one battle.

By covering more distance, smaller armies throughout history have been able to wear down massive opponents and take victory over large distances.

Atilla the Hun was able to wreak havoc on the much larger roman legions by having a fast, small, elite, mobile force. 

Erwin Rommel and his Afrika Korps were able to beat the british into the submission in World War II with a small elite, mobile force.

Lawrence of Arabia employed similar tactics in the pre World War II era that have evolved into modern day guerrilla warfare.

There are two commonalities between Atilla the Hun, Erwin Rommel and Lawrence of Arabia. All 3 men employed the following into their strategy and tactics:

1. Speed
2. Distance

In the days of the Roman empire, business and war were synonymous - there was no separation between business and war. Business was war and war was business. Men in Roman society became wealthy through the spoils of war and later in life would venture into real estate, trade or politics. This is why books like  "The Art of War" by Sun Tzu are found in the Business section of the book store and not the War section. The same principles that apply in warfare also apply in business.

Speed and Distance are just as powerful on the battlefield as they are in the boardroom and let me elaborate on why.

In business, speed wins. First mover advantage, speed of implementation, and velocity of money are all concepts that revolve around speed. In business if you have a chance to be fast or slow, most of the time it is better to be fast.

In business and warfare, distance is just as important as speed. Strategically, we need to have a short position, a medium position and a long position. Whether we are building a company or managing an investment portfolio.

Our ability to win over distances whether short, medium or long is imperative to success.

Strategies that are effective in short positions may not be effective in medium positions and medium positions will not offer the same advantages as long positions.

In business, we need to have an effective mix of 3 types of strategies to be effective over distances and become a leader in the market.

In my past businesses, I focused too much on "long" positions and neglected my short and medium positions.

I would load up my real estate portfolio with long position buy-and-hold cash flow real estate. In my music business, I would pour my time, effort and energy into producing a long term brand strategy and forget my short term strategy. In my debt buying business, again, I had a long term cash-flow strategy but no short or medium position.

These businesses were aggravating, painful and hard to grow because there was no short or medium strategies to generate the cash needed to properly grow and expand.

This summer I began to study JT Foxx. JT Foxx is a very successful real estate investor who has transacted over 500 deals in five years, partnered with some very large money partners and currently owns a huge speaking and coaching business.

JT has very good business acumen and I noticed that he has weighted his business transactions around short positions and the "shortest ways to make money".

The 4 Shortest Ways to Profit

1)   Flipping real estate - Flipping real estate has always been one of the fastest ways to make money in history. Real estate allows an investor to make huge leveraged gains with little or no work and if you do your homework, real estate can be turned in 30-90 days with little to no effort. If you're in real estate, this should be a strategy used often as part of your portfolio and overall strategy.

2)   Local marketing/branding other people - Selling marketing and branding services to local businesses is a very fast way to make large profits. Most business people have no clue about marketing and branding and will pay large sums of money to learn marketing and branding techniques. This is especially apparent in Real Estate Investing and Internet Marketing. Where there is pain, there is profit and branding/marketing is place where many entrepreneurs feel lots of pain. Many companies make large fast profits by relieving this pain.

3)   Public speaking - Donald trump charges $250,000 an hour to speak in public. Raymond Aaron and Tony Robbins have both made over $1,000,000 in an hour giving speeches. Most people would rather be dead than to be speaking in front of an audience. However, this is one of the fastest, most lucrative endeavours for an individual if executed properly. There is enormous leverage in public speaking and tons of branding opportunity. Consider the value of this avenue for a short term strategy in your business. This strategy can be offered for free (just for branding value and lead generation) or it can be monetized - who doesn't love options?

4)   Joint ventures - This year I built my company from the ground up using none of my own money because I used joint ventures to build it. Joint ventures are the fastest, highest leverage business tool available. Only 2% of entrepreneurs know how to use Joint Ventures and this gives savvy entrepreneurs an advantage. Credit Card companies and fortune 500 companies derive major profits from Joint Ventures while small entrepreneurs try to do everything themselves. Whenever I am missing a resource, I will source a JV partner; "why try to own everything?" I have become a specialist in Joint Ventures and I am never low on resources because I know how to create favourable deals for everyone. Some greedy entrepreneurs don't like Joint Ventures because they have to give up a percentage of their business for access to extra resources. In the words of Mark Cuban; "Would you rather have half a watermelon or a whole grape?"

After learning the 4 "shortest ways to profit", I began to re-think my business. I have began restructuring it and adding short and medium positions to my long positions and have begun to find balance. Today my business is healthier than ever and my strategy going forward is more sound. I recommend you review the "4 shortest ways to profit" and plan to implement at least one of the 4 strategies into your business in the next 60 days.

Thanks for reading,
Stefan Aarnio
Freedomway.ca

P.S. Remember to share this article if you found it useful!

By Stefan Aarnio
Freedomway.ca

Remember: Please share this article if you find it educational!

What does Coca-Cola, the 59th company on the Fortune 500 and the multi-trillion dollar illegal drug industry have in common?

Both Coca-Cola and Illegal Drugs have:

1. Worldwide organizations
2. Highly addictive consumable product
3. Both have insane profit margins
4. Can operate in areas where governments fail (such as war torn zones and socially unstable areas of Africa)
5. Line ups of customers waiting to purchase a specific product and will accept no imitations
6. There is a concentrated "producer" in both models and a large network of "distributors". Coca-Cola makes it's own syrup and hundreds of "bottling companies" distribute and bottle the mix of water and syrup.
7. Established networks of dealers who get paid to move product

Years ago, I was watching a documentary on a war-torn country in Africa. The government had been wiped out and it was nearly impossible to re-establish a government because of civil unrest. Local warlords were constantly threatening any group that wished to take power and the entire country was in chaos.

The documentary also enlightened me as to why Coca-Cola was able to operate in an environment where there was no government or regulatory body to protect their supply chains from bandits, child armies and criminals.

One African man who worked for Coca-Cola attributed the success of the company to the fact that "everyone who touches the product gets paid". This means that everyone who carries it, sells it, distributes it, transports it or markets it gets paid. Government protection or not, this business can function ANYWHERE.

The multi-trillion dollar network of illegal drugs works in the same way that Coca-Cola does. These organizations face daunting odds and have gone to "war" with formidable foes like The United States of America. However, these cartels function and thrive because they have the same philosophy driving their business:

"Everyone who touches the product gets paid".

The farmers who farm the raw materials get paid, the people who process the ingredients get paid, the drug mules get paid, the networks of dealers get paid etc.

Coca-Cola and Illegal drugs have the exact same supply chain philosophy and can operate anywhere in the world against all odds. Both entities have a "Pay Everybody" philosophy and have created an extremely smooth, well organized, well oiled machine.

But what does this mean for you and your business?

Only 2% of business owners understand Joint Ventures, although most of the Fortune 500 companies derive significant revenues from creating joint ventures. 

A joint venture is where two companies, people or organizations align their goals for mutual benefit.

The most simple joint ventures are referral commissions: If a customer is referred to a company, the company receiving the referral will pay an ongoing commission on all business done between the new customer and the business. This is extremely lucrative for both the referral client and the receiving company. Ongoing revenue is what keeps the relationship strong and creates incentives for the referral client to continuously send business.

Understanding joint ventures is a huge component to becoming the leader in your market or industry. Since only 2% of entrepreneurs truly understand Joint Ventures, you can have an unfair advantage in your market.

In my own business, I have adopted a "Pay Everybody" policy and have had wild success with the program.

I have access to private real estate deals first before they hit the open market, I have access to Capital that I would not normally have access to, my phone rings all day with opportunities for deals and capital and I don't have time to take every call.

This is an extremely good problem to have.

Most businesses/entrepreneurs spend HUGE budgets on advertising and marketing, I spend virtually zero dollars, but I pay for results.

If someone refers me a private deal, they receive a handsome $500 "thank-you" fee. If another investor has a good deal under contract, I will generally pay $1000-$5000 to purchase the contract and take on the deal myself. I have similar programs in every aspect of my business and I don't spend any money on advertising because:

I pay for results, NOT promises.

In the past, I have been murdered on advertising. A year ago I spent $2700 on a print ad that generated ONE PHONE CALL for my business!

One pathetic inbound phone call and NO SALE. Just a $2700 lead.

I was furious, felt like I had been ripped off by the advertising company and vowed to never ever repeat this mistake. I felt like I was the victim of a ridiculous joke and I will be extremely cautious to repeat any form of print advertising.

Nowadays, I spend $0 on advertising and my phone rings off the hook because I have learned a lesson from Coca Cola and Drug dealers... I make sure everyone who touches my product is paid. I make sure everyone is paid well and happy to work with me. If someone doesn't like working with me, I let them leave and work with someone else. I surround myself with a network of outstanding peers and highly competent people who get my phone to ring off the hook.

Unfortunately, so many entrepreneurs are too short sighted or too cheap to pay commissions to keep their people happy. This is why so many companies cannot retain good talent, spend huge dollars on advertising and eventually become weak and vulnerable from attrition to their teams and advertising budgets. There are few things in business that are more expensive than employee attrition and advertising.

Learn from Coca Cola and Drug Dealers and implement the "Pay Everybody" strategy in your business. If you build a good program and stick with it then you will see wild results in 30 days.

Thanks for reading,
Stefan Aarnio
Freedomway.ca

P.S. Share this article if you found it educational!

By Stefan Aarnio
Freedomway.ca

Remember: Please share this article if you found it educational.

Speed is a virtue that has been coveted throughout the ages.

In the jungle, animals with speed would dominate the terrain over bigger slower animals. In evolution, animals that developed to be large with heavy armour always died out to animals that were lighter, faster and with sharp teeth and claws.

In warfare, throughout the ages, the faster more mobile armies were always able to wipe out  slower, heavily armoured forces. Whether we are referring to Atilla the Hun with his mounted archers vs the slow, heavily armoured  Roman Legion; or Hitler in WW2 with his Blitzkrieg forces that dominated the sedentary french and polish troops. 

Speed is a virtue in all arenas and is a key to victory.

Today in technology, companies that can embrace change and implement with great speed are the ones that survive. In the past, a company like Apple was able to innovate with products like the iPod, take the market by surprise and implement new ideas before any competitors could react. Apple would take over and dominate a market long before a competitor could think of stepping in.

Think of iPods... Small children call all music players iPods. A little girl will point to an analogue record player and say "look daddy, that's a big iPod!" - that is the power of speed.

In real estate investing, or investing in general, speed (in my opinion) is the difference between a novice, intermediate and advanced investor.

I was having dinner with a friend of mine tonight and we were talking about our goals for the upcoming year 2013. Every real estate investor, regardless of skill level, always wants to add more transactions and doors to their portfolio.

I mentioned to my friend that I was setting the goal of doing 100 transactions this year. This was way out of my friend's context and he couldn't comprehend that kind of volume or speed. He asked me how many transactions I have completed in 2012: "12-16 by the end of the year" was my estimate. He was impressed with my ambition and wanted to know how I was going to have an 800% increase in my business.

The answer is speed, some experts would say "velocity of money".

The general classifications for Real estate investors can be defined as follows:

1. Novice investors do less than 5-6 transactions per year
2. Intermediate investors do 1 transaction per month or 12+ transactions per year.
3. Advanced investors do 100+ transactions per year

The only difference between these three investors is speed. 

NOTE: There is likely little difference in the quality of transactions between skill levels. There are many astute and careful, slow, novice investors who can earn the same or better returns then an experienced advanced investor. However, the difference between the novice and advanced is that the advanced investor does more deals, executes them faster and utilizes opportunities to compound results. 

The advanced investor is a cheetah in the jungle and the novice is the turtle.

There is nothing wrong with being the turtle, however, the cheetah will be dominant in the market and will have access to the best opportunities and more capital due to visibility.

A problem I have had in my past businesses has been velocity. In the past, I gravitated towards slow "residual" type businesses.

1. One of my first businesses was a self-employed guitar practice where I traded my time for money. This was extremely slow because, although I had lots of clients and low over head, it was very difficult to compound or grow this business. The residual "cash-flow only business model" made it very hard to grow because there was never an injection of cash or credit. Every month I would take 22-25 little cheques into the bank and cash them. There was never a big cheque that could instigate growth.
2. Another business I started in my early twenties was my Debt buying business. Debt buying is a very simple concept. Debt buyers buy charged off, non performing credit cards (or other debt products) for pennies on the dollar and outsource them to collection agencies for residual income. However, this business is also a residual, cash flow business and it was very hard to grow this business without taking on large debt and long term risk as well.
3. My third business was my buy-and-hold Joint Venture real estate portfolio. This business was great because I could Joint Venture with many money partners and have growth every month, but the growth and speed was linear, and again, I was seduced by the cash flow of the business and was not looking at the speed of the business. A deal would take me 1 whole month to find, get under contract, find a JV partner, deal with the financing, deal with the legal, take over the property, fix the problems on acquisition, show the suite to tenants, lease up and then repeat. I became trapped in my own labour and the velocity of this strategy kept me small. I was a turtle.

All of these businesses are functional: However, the businesses above are slow, cannot grow on their own cash, cannot expand easily, cannot gain any market share and have a disproportionate amount of risk and liability when compared to the upside.

The debt buying business and the buy-and-hold JV's also are big and clunky because they rely on debt financing and bureaucratic approval from banks etc. to grow.

These models are the slow and heavily armoured roman legions that were destroyed by the fast moving mounted cavalry of Atilla the Hun. The Huns were fast, mobile, light, hit the battle field by surprise and cherry picked the best opportunities on the field.

My new strategy does not focus on buy and hold, instead it focuses on three FAST strategies:
 

1. Wholesaling
2. Lease options
3. Buy-fix-sell

Because my goal is to have 100 TRANSACTIONS and not hold 100 DOORS at the end of the year, I must focus on fast strategies. Speed is key and I don't want to get weighed down in a slow, long renovation or a long term buy and hold (although these are good models).

Three of the fastest Real Estate strategies (in my opinion) are wholesaling, lease options and buy-fix-sell.

However, to see the effects of choosing fast strategies, lets see the following strategies in terms of TIME so that we can compare them to the slower strategies I used to use.

1. Wholesaling has a time frame of less than 30 days, usually 7-14. It is a fast, no debt, "no buy" strategy that creates fast cash and fast transactions.
2. Lease options have a time frame of less than 30 days to fill or set up. They are fast, can have no debt, are a "no buy" strategy that creates fast cash and fast transactions.
3. Buy-fix-sell has a time frame of less than 90 days (I have completed some buy-fix-sells in 30 days, but that isn't every deal). These deals are fast, carry debt (sometimes hard money), require capital for acquisition but create more profits with slightly more work.

Every single strategy I am using can be executed within a 30 day time frame. Time is the real currency in the market, not money. Money can be manipulated and recreated after it is lost... Time is lost forever when wasted and it is the REAL limiting factor in any business.

Since I have chosen 3 fast, "light on debt and cash" strategies, I am confident that with the right team and systems, I can achieve my goal of 100 transactions and earn the rights to the title of "advanced investor".

If you are interested in working together on a deal for a share of the profits, please contact me on the freedomway.ca contact page and we will see if we have a fit.

In the meantime,

Thanks for reading,
Stefan Aarnio
Freedomway.ca

P.S. Please share this article if you found it educational.

By Stefan Aarnio
Freedomway.ca

Today I spent the day in Edmonton with one of my money partners at the Fast Track SuperConference hosted by Darren Weeks. Darren is the Canadian Rich Dad, one of my mentors and a man who taught me a lesson that has made me successful to this day. I owe much of my success to Darren because I developed a skill set that very few people have (and one that is almost impossible to obtain because so few people teach the art of raising capital). When I worked for Darren I learned 1) How to sell and 2) The art of raising capital.

Darren Weeks is an extremely successful Canadian entrepreneur. His company, the Fast Track Group has been in the top 100 of the fastest growing companies in Profit magazine 3 years in a row, and when I worked for Darren, his team was the 40th fastest growing company in Canada. In my opinion, Darren's personal talent is his ability to identify and assemble groups of amazing people and with unbelievable talent who are motivated by a mission greater than themselves.

Contrary to traditional business models, The Fast Track Group was built around giving out "more education than anyone in the industry". There are few businesses who give first and receive second.

Darren prides himself on the fact that he provides more FREE value to the market than anyone else. To some people, giving out FREE information and building a business around it sounds insane, costly and risky... but I think that consumers nowadays expect FREE gifts and services before they buy - it's the trend in modern business. 

Business models that revolve around FREE gifts and services are especially strong in the financial and real estate sectors right now.

When I was 22 I attended the Fast Track Super Conference in Edmonton, I was absolutely blown away by the calibre of the company. I loved the mission, I loved the people and I loved what the company was doing for Canadians. I wanted to be a part of the group, I could feel the energy and it was infectious.

One thing Darren always used to preach when he was educating his audiences was "if you want to get rich, work for FREE." He would often pick out a young man or woman in the audience who would be just entering the work force and ask them "can you afford to work for FREE?"

Almost every time, the young man or woman would say "absolutely not!" and then Darren would teach the lesson.

The difference between the rich and the middle class/poor is that the rich do not work for money, they work for FREE. This may sound completely ridiculous to your belief system, but hear me out:

Lets consider two scenarios. 

In my personal life, when I was in my early twenties, I had two jobs at two different times. At my first job I worked for money, at my second job I worked for FREE.

MY FIRST JOB (WORKING FOR MONEY):

At age 22 I worked at Frito Lay Canada and my job was to merchandise (which is a fancy word for putting bags of chips on the shelves at 4 in the morning at Wal-Mart).

My primary motive for working with the company was the salary and the hours. I was truly chasing the dollar in every sense of the word. I wanted a salary so I could get mortgages to buy real estate. I took that job for the wrong reasons, didn't learn the proper skills in the field and it became harder and harder to get out of bed every day when I worked there. I had no passion for the industry and felt that there was nothing to learn.  

When I left the company, I had maxed out my purchasing power for properties and but had acquired ZERO skills towards building my own business. Since I had chased the dollar, I had a small cash reserve on hand, however, I had built NO SKILLS or contacts. Although I had made a little bit of money, I had built no human equity in myself, no skills and had no way of propelling myself forward towards my goals, hopes and dreams. In a way, I had traded time for money, lost my time and had crippled myself in a way.

Most people don't consider the skills they learn at work. My advice to young entrepreneurs is to leave their job once they stop learning the skills required to do it. Always work to learn. Move from job to job until you have all of the skills required to run the business of your choice.

Lesson: When it comes to work NEVER chase the dollars, find what excites you, find where your heart is and chase your passions. The money doesn't matter and it always gravitates towards the most enthusiastic people.

MY NEXT JOB (WORKING FOR FREE): I had heard Darren Weeks say on stage "If you want to get Rich, work for FREE". I took his advice, although it challenged my belief system, but I had nothing to lose so I and volunteered for his company whenever he was in town.

Every time Darren was in town, I would dress up in a suit, show up early, leave late, pack and unpack books, process paperwork, seat people, help out with sound-production and do any task that was required of me. I expected NO financial compensation and just wanted to be on the team.

I volunteered for Darren for three years and I applied to work for his company three times. Twice I was rejected for the job and the third time I applied I said, "I have been volunteering at this company over the past 3 years, I have applied twice and been rejected, I will keep applying until you hire me".

I then flew to Edmonton and volunteered at a Fast Track Super Conference event shortly after my interview. Darren Weeks noticed that I had flown from Winnipeg to Edmonton (on my own money) to volunteer to work for him. After the event, he personally took the time out of his evening to offer me a job with the company. 

What Darren didn't know was that I had already been hired to start work with the company and on the following monday I was to begin formal training.

Consider the lesson: working for FREE and volunteering had grabbed the attention of the founder of the company and had brought me onto the team OF MY CHOICE.

Now that I was positioned in the only company I wanted to work for, I got paid to learn more about the topics I was already passionate about. I was in heaven.

I got paid to sharpen my skills and become an extremely valuable asset to myself. I learned the art of sales, how to do public presentations, how to run an office, how to recruit good employees, how to fire bad employees, prospecting, sales tracking, databases, securities regulations and public speaking.

Most importantly, I learned how to raise capital and work with investors. This has been my "secret sauce" in my business and it's what sets me apart from other real estate investors who DO NOT have the skill set.

These skills are the base of my empire and the building blocks of my portfolio. I have based my entire career and current business around skills that I acquired by working for FREE.

Had I not volunteered at the company first, I would have had no chance of working with them. I would be of no value to their tribe and I would not have learned the skill set that makes me valuable today.

Every morning, you would still see a wandering soul putting bags of Doritos on the shelf at Walmart at 5:00am. I would have throttled passions and big dreams, but no way of executing them or aligning with other people who matter.

Lesson: Every week I meet young people who are passionate about a certain field or career. Many people say they are passionate about music, art, acting, sports, television, radio etc. and don't know how to break into those "hard to enter" industries. Whenever I study a highly successful person, I notice that almost all of them worked for FREE scrubbing toilets, mopping floors or doing the most pointless jobs at the bottom of the barrel just to be a part of the industry of their choice. Unfortunately, young people today do not see such opportunity.

Steven Spielberg began his brilliant career in film by just "showing up" to the movie studio, wearing a suit and pretending to be a director in an abandoned office. He was a film student who pretended to work there and snuck into the studio every day. The people at the studio assumed he worked there and eventually his passion for film brought him an opportunity to make his first film.

Steve Jobs of Apple was too poor to pay for his college education so he collected aluminum cans on campus and would cash them in to eat his next meal. Jobs had no money, so he would sit in the university classes for free and let his mind absorb the information. The FREE classes he attended for no credit became the building blocks of the apple philosophy. Steve was genius who blended liberal arts with technology. If he were paying for the classes and chasing marks/credits, he would not have been so creative and open in his approach.

Trent Reznor, the frontman of of the iconic band Nine Inch Nails, got a job as a janitor at a recording studio where he mopped floors and poured coffee for 8+ hours a day. He shared an apartment with a friend and ate peanut butter sandwiches for years just so that he could earn studio time to make his debut record in the middle of the night when the studio was vacant.

The most brilliant people in the world, the people who are at the top of their game and dominate their fields with enthusiasm, passion and leadership often started at the bottom working for FREE.

The reason why working for free is so powerful is:

1. It gets you in the door, an employer can't say "no" to free labor
2. You make contacts in the industry of your choice immediately
3. You learn the business form the "ground up"
4. When a job opens up, you are first in line because you are at the business and eager to work anyways - you are the best choice!
5. If you aren't passionate about the industry you won't last long, you will weed yourself out to find your true passion
6. Over time you gain experience and you will either be hired by the company you are volunteering for OR A COMPETITOR of theirs. This is a no lose strategy if you stick with it.
7. You free your mind from "chasing the dollars" which can limit your creativity. You will approach the industry with a creative, fresh perspective. This is priceless in the long run.

If I lost everything tomorrow, had no skills, no money, no contacts and no experience I would re-discover what I am excited about and offer to work for FREE in the industry.

Of course I would need some income to live, so I would get a job at McDonalds for 8 hours of the day (or another McJob) that is not too stressful, then work for the company of my choice for FREE in the other 8 hours. I would continue this 80 hour a week routine until I am hired by the company of my choice and then I would quit my McJob.

I would then gain all of the skills I need to be successful in my industry and re-evaluate my position. I would likely find a way to start my own business in the same industry and leave as fast as possible as soon as I stop learning.

Exercise: Take a step back from where you spend your time on a daily basis. Ask yourself: Are you chasing dollars? Or are you building valuable skills in an industry of your choice? Is your work based on passion and enthusiasm? Would you keep working there if they stopped paying you?

I used to say when I was in the music industry "You know you're in the right industry when you can work 18 hours a day, lose money and still wake up the next day to do it all over again." Follow your heart and make a choice of passion and NOT logic.

Thanks for reading,
Stefan Aarnio
Freedomway.ca

P.S. Please share this article if you found it helpful!

By Stefan Aarnio
Freedomway.ca

The english language can be a deceiving and confusing tool that can either empower you or cripple you. 

Years ago, when I was earning a degree in English at the University of Manitoba, I learned that words in the english language are actually very flawed and primitive tools that do not really work. 

Words can be a broken, primitive man-made tool. It's common knowledge that words account for less than 10% of our actual communication (I believe the number is around 7% of communication.)

For example: In Canada, we have people who are really self employed that call themselves "entrepreneurs". Realistically these people trade time for money every day, operate their business as technicians, have zero competent employees, take on all the risk and liability and cannot leave their business for a second or it falls apart.

Words are confusing tools: Just because you are self-employed does not mean you are an entrepreneur.

Of course, we are working with the English language and words are deceiving. There is a vast population of self employed people in Canada and around the world who think and believe that they are true "business owners" or "entrepreneurs". The reality is, these people own risky jobs with high time requirements and overhead. 

They have not built any real businesses, and they cannot sell their "business" because there is nothing to sell. However, many of these people think they have a REAL business.

Words do not work to differentiate a legitimate business from a self-employed JOB... for many, this can be a very confusing scenario.

My definition of an entrepreneur is a person who starts businesses. Starting businesses is an entrepreneur's vocation. They start businesses often, likely have multiple businesses at once and are always aiming to start yet another business. This is the entrepreneur's game and few have the stomachs or the balls required to play the game.

The word "Entrepreneur" (to me) is all about the art of the start up. The best entrepreneurs are visionaries and they are brilliant at creating a successful chain of businesses and brands. They often do not stay in a particular business too long because they actually build a competent management teams to take over and grow the business without them.

The best entrepreneurs in the world (Today and in the past) are visionaries: Steve Jobs, Bill Gates, Richard Branson, Henry Ford, Thomas Edison and others have all started a chain of ventures and created a succession of businesses. These men were creators who created businesses often and eventually left a vibrant collection of businesses behind upon death.

But how does this apply to you?

One very successful living entrepreneur that I am studying right now is Nido Qubein. Nido is an immigrant from Lebanon who came to America as a boy and has built a succession of businesses valued at over $100 million dollars a piece. I have heard that his estimated net worth is around $500 million dollars (but net worth is very hard to determine).

As a sign of a true entrepreneur, all of Nido's businesses are in unrelated industries. He is able to move from industry to industry and become successful every time. Nido has built successful businesses in the following industries: the banking industry, the bread industry, the furniture industry, the speaking industry and now he's in the education industry at the head of High Point University.

Nido is able to take complicated concepts and make them simple, he is a very talented man at communicating (and english is certainly not his first language).

There are 3 key important factors to consider if you are going to determine if you own a real BUSINESS or just a risky JOB.

Nido's 3 factors are:

1. Sustainability - Is your business sustainable? Can the business be scaled? Can the market support you? Can the business run without you?
2. Consistency - Is your business consistent? Is there consistent money coming in? 
3. Predicability - Can you predict the numbers in your business? Do you track past performance and know your numbers inside and out? A great number to know that most people don't is "what is the cost of acquiring a lead in your business"?

If you do not have Sustainability, Consistency and Predicability in your business - then you don't have a business! Instead you own a job.

Entrepreneurs who jump from being an employee to self-employed always have to make the following decision "Am I going to do whatever it takes to become a real business owner? Or do I quit now and get a good job at the union or with the government?". There is absolutely nothing wrong with either scenario, but there are costs to both choices.

Nido says that everything in life is PAINFUL. What that means is that we have to PAY-IN-FUL for everything and nothing in life is free.

If we quit and get a job with the union, we give up much of our time and consequently the opportunity in life. We trade freedom for security. If we make the leap towards business owner, we risk all security for a chance at freedom.

For those of us that want to be true business owners, the cost is extremely high. Becoming a true business owner may be the most expensive thing a person ever does in their life. It takes blood, sweat, tears, time and money to achieve sustainability, consistency and predicability in a business. 

The real question we have to ask ourselves is; which currency do we want to pay for our success in? The school of life accepts the following forms of payment; blood, sweat, tears, time and money. Please beware that the School of Life also gives no refunds.

Thanks for reading,
Stefan Aarnio
freedomway.ca

P.S. Please share this article if you found it helpful!