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The Two Things You Can Never Pay a Person to Do and The REAL Job of the Entrepreneur

4/25/2013

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By: Stefan Aarnio
Freedomway.ca
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One of the most common questions that we all hear on a daily basis is: "What do you do?"

For some, this is an easy question; "I'm a doctor" some may reply; or "I'm a teacher" everyone understands that doctors treat sick people and teachers teach. For others, the questions "what do you do?" is much more abstract and hard to answer.

In the past, I had introduced myself as an "entrepreneur". Some people say that "entrepreneur" is a nice word for "unemployed" or "unemployable". The problem with being an entrepreneur is that is that entrepreneurship is so vast and abstract that most people cannot understand what an entrepreneur does.

When you say "I'm an entrepreneur", the common reaction is a blank stare, and then the following question "so, what do you ACTUALLY do?"

In truth, entrepreneurs are responsible for the entire business, or multiple businesses. They hire, fire, delegate, select projects, start projects, finish projects, manage and even sometimes work in the business. However, the entrepreneur has 1 job that only he or she can perform.

A great businessman once said; "there are only two jobs that you cannot ever pay a person to do"; These are the job of the entrepreneur - everything else can be done by someone else.

The two jobs that cannot be done by anyone other than the entrepreneur are:

1) Think
2) Do things in the right order

In Michael Gerber's bestselling book "The E-Myth", Gerber explains that there are three roles that the entrepreneur must play when he or she starts a business:

1) They must be the Entrepreneur, the visionary who paints the broad strokes and has the energy and drive to start the business.
2) They must be the Manager, the person who oversees the operation and ensures that it functions efficiently and sustainably.
3) They must be the Technician and handle the daily transactional work in the business.

All tasks in an organization can be delegated or hired out to either a manager or employee and many organizations can run very efficiently on mostly Technicians and Managers. However, the Entrepreneur is responsible for all of the strategic thinking in the business and he or she must determine the right order of operations and proceedures.

No matter how good your technicians are or how good your managers and employees are, they can never replace you as an entrepreneur. They rely on you to think and create plans for them to execute.

So many businesses fail because the entrepreneur is negligent to think and appropriately delegate: A ship without a rudder always smashes up on the rocks.

I have broken the above rules many times in the past and have learned my lessons first hand. Today, I make sure that I am the only person in charge of the sacred tasks of the entrepreneur. To break this rule is to expose your venture to disaster.

Thanks for reading,
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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Why 90% of Entrepreneurs Fail and are Forced to Become Employees Again.

4/22/2013

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By: Stefan Aarnio
Freedomway.ca
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A wise man once said: " Entrepreneurship is living a few years of your life like most people won’t, so that you can spend the rest of your life like most people can’t." -Unknown

Everyone dreams of having the rewards of a successful entrepreneur. We all want more free time, less work, less stress, more money, more vacations, the best spouse possible, a great family, more satisfaction at work, a creative outlet, independence and more cheques in the mailbox than bills. However, everything in life has a price and usually in life, the higher the benefit, the higher the cost.

The truth is that entrepreneurship can provide all of the above benefits that we all want, but it can also become a burden that is far too costly for most to bear. Most employees have dreams and fantasies of quitting their job, firing their boss and living on a beach with lots of passive income. Many employees who have this kind of dream will join a network marketing company, start dabbling in investment real estate or start a traditional business. Some of these employees will dabble with entrepreneurship through all of the above methods and may eventually decide to make the leap and quit their job. However, very few survive.

Entrepreneurship has one of the highest failure rates out of any career path. There is no traditional school that teaches entrepreneurship correctly, and in reality, it is something that cannot be taught or learned from one source. It takes many years, many experiences, many sources of knowledge, coaches, mentors, seminars, books, tapes, mistakes, failures and relationships combined with consistency and a commitment to success at all costs to become victorious in entrepreneurship. The process takes at least 10 years, likely more, and it can never be mastered.

So why do most people fail?

In my opinion, most WANTrepreneurs (aka entrepreneurs who still have day jobs and practice business on the side) are generally crippled by one under-developed skill set.

What is more amazing is that this skill set is not even considered a skill by most educators and it is rarely taught (or poorly) taught in schools and business schools of the world.

The secret sauce that most entrepreneurs are missing is the ability to sell.

When an employee attempts to make the leap into entrepreneurship and then is forced back into his job because he cannot survive, it means that he cannot sell.

I have "quit my job" 3 times in my life. The first two times, I didn't know how to sell and foolishly quit without the adequate skills, credit or cash to survive. The third time I quit and never looked back.

What made me different on the third time? When I was ready to quit the third time, I had worked for a direct sales company and had learned how to become a top performer on the team. I knew how to hire, how to fire, how to train, sell, present, cold call, farm a database, build a database, put on events, sell from stage, fill events and watched my mentor build one of the fastest growing companies in Canada.

The experience was scary at times, it was stressful, uncomfortable and I wanted to quit, but I became successful at my vocation and earned the right to become a full time entrepreneur and never need my resumé again.

When you consider Robert Kiyosaki's cashflow quadrant (as it's displayed in the photo above), there are 4 quadrants. 2 of them actively work for money on the left, (the E for employee and S for self-employed), while the quadrants on the right (the B for large business owner and I for investor) do not work for money.

So many E's and S's dream of being on the right side of the quadrant and they wish they had residual "passive income" to fund their ultimate lifestyle, but they try to "make the leap" to the right side of the quadrant without knowing how to sell.

Selling is the difference between the left and the right. The right side of the quadrant must sell to survive and grow, the left mostly trades time for money.

Too often, people on the left try to go from the E quadrant and make the leap to the B or I without becoming an S or self employed. This, in my opinion, is one of the most dangerous moves a person can make.

The S quadrant is a great training ground for becoming an entrepreneur and it is the place that most professional salespeople live in. Robert Kiyosaki explains in his book that the most natural progression towards financial freedom is to start as an E (or employee), become a salesperson (self employed), then become a B or (Business owner) then finally end up as an I (or investor).

This progression is very natural and the skills learned in each quadrant compound on one another. For myself, I had been in the S quadrant for most of my life and my progression looks like this so far: S E S I

1) My first S - I was a self employed guitar teacher running an all cash business out of my mother's home in university

2) My first E - I was a phone sales employee taking inbound calls in the middle of the night.

I quit this job and tried to become a "B" (or business owner) and failed.

I then became a merchandiser "E" (or employee) stocking chips on shelves for one of the largest chips companies in the world.

I then quit my job and tried to become an "I" (or professional investor) (I failed and had to get a job)

3) After failing again on my own, I became an "S" again, worked for a direct sales company, got the skills I needed and built my own "I" (investor) company.

Today I am out of the rat race and run my own successful business. I work when I want to on projects that I am excited about and have the honour and privilege of growing the business of my dreams. My life is better in every way because I know how to sell. Selling is the #1 skill in my business and I continue to study it meticulously to become a superstar. As my sales skills improve, so does my income, and I love being in control of how much I earn.

Ever since I learned to sell, I have earned the right to operate in the "B" and "I" quadrants on the right side of the diagram and survival is no longer a concern for me. Instead of trying to "scrape by", I use my energy towards thriving, building a legacy of value and anything I set my sights on is possible!

Action Step: Can you survive on your sales skills alone? Have you become a student of selling? How can you benefit from improving your sales skills? Please share your comments below!

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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How to Catch more Fish and Get More Leads for your Business

4/17/2013

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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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The brilliant American entrepreneur Bill Bartmann once asked the question: "Where do you go to catch a fish?"

He remarked that most people would say "a lake", "a river", "a stream", "the ocean" etc. and all of these are bodies of water do indeed contain fish.

Most entrepreneurs and real estate investors try to catch fish randomly in the ocean. They spend thousands of dollars on fishing line, casting nets, driving their fishing boats far away from land to catch the proverbial fish in their business - the customer.

The time spent chasing the fish, the money spent on the gas, the risk of bad weather, the cost of the boat and the crew are often too much for an entrepreneur to bear. Many businesses are bogged down with too much overhead because we think that we need to own the boat, spend the money on the gas, own the nets, own the fishing rods, hire a crew and take all the risks of the storm.

Oftentimes, these entrepreneurs will venture into the water and come home empty handed with no fish. The ocean, the lake, and the river all vast bodies of water and the chances of catching fish can be slim.

Catching fish, and catching customers in the traditional sense has a very high risk and a relatively low chance of success.

I once spent $2700 on a magazine advertisement that only produced 1 phone inquiry for a business that I just started. The expense wiped out my business and my boat capsized. The salesperson who sold me the ad told me that it would be a great investment and that I would get lots of customers. The only person who made money on the transaction was the salesperson and the magazine. In my foolishness, I was the fisherman who had bought the expensive boat, bought the nets, bought the lines and hired the crew to catch no fish. I may as well burned my cash because my money was never coming back. I told myself I would never do traditional advertising again.

But how would Bill Bartmann catch a fish? The question he asks has an answer better than all others. While most people say a river, lake, stream or ocean, Bill's answer is smart. If Bill were to catch a fish, he would go to a fish farm.

Some of you reading may say "that's cheating", but I can guarantee that Bill would catch more fish at a fish farm than most would by taking their chances in the ocean.

Of course, going to a fish farm may be associated with a premium, but the premium would be well worth it. The fish at the fish farm are trained to swim to the surface when it's feeding time, they can hear your footsteps at the edge of the tank and are ready for the food you are about to give them. They are fed throughout the day and any amount of fish can be harvested with no risk and all for a small fee.

Outside of fishing, where can an entrepreneur find a proverbial fish farm for customers? Anyone with a list of customers, or a group, or a club, or a media outlet can be a fish farm. Anyone who is a centre of influence can be brought into a  joint venture in which you offer your product or service and pay the influencer a fee on all sales generated.

If it's so easy, then why doesn't every entrepreneur skip traditional advertising, forget the fishing boat and run straight to the fish farm? There are two things that hold most people back:

1) Most entrepreneurs and investors don't know about joint ventures or the "fish farm" mentality.
2) Most entrepreneurs are too cheap or greedy to pay the fish farmer his fee to access the fish.

The biggest expenses in life come from the opportunities that are not capitalized. It is time to change the way we think about lead generation, get creative and explore new avenues for growing our businesses!

Action Step: Analyze your ideal customer and begin to search for centres of influence or "fish farms" where these customers congregate. Do some research and figure out how much it would cost per sale to access this new audience.

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!


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Money or Knowledge, Which Do You Choose?

3/31/2013

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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!

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

This last week I have been officially closing a previous chapter of my life. I have been selling off all of my music gear; guitars, basses, amps, speakers, cords, mixing boards, cases, microphones – everything! I used to be very heavily involved in writing music, performing music and teaching music. I used to derive 100% of my income from music and was a professional in the field. Today, I am selling off all of my music gear and I did receive some backlash from my girlfriend and my mother.

“Why?” they protested.

“Won't you be sad?” they wanted to know.

The answer, is “no, I will not be sad.” and the reasons are simple.

Years ago, when I quit basketball in high school, my coach, whom I will never forget said to me “there is nothing wrong with quitting, as long as you take all of the energy you put into basketball and put it into music.” Music was my passion at that point in my life, not basketball, and it was what I wished to do professionally.

Today, I am officially quitting the music chapter of my life and I'm using the energy to pursue my path as an entrepreneur. Selling all of my music gear is a way of clearing my mind, my space and my path.

But what happens to the years of my life, and all the money that I spent accumulating knowledge and equipment in the music business?

In physics, energy is never lost, the same holds true in real life. The skills, the experience and the wisdom I gained in the music industry carries over to my real estate career and the best part about skills and experience is that they can never be lost.

True value does not lie in the musical equipment. True value lies in the skills I learned from the equipment. I will always know how to sing, how to play instruments and perform. These skills can get rusty, but they never go away.

But how does this apply to real estate?

In real estate, so many investors cling to their buildings and are terrified of losing material wealth. Most of us think that our buildings are assets, when in fact, they are just lifeless bricks and mortar. Real value, even in real estate lies in the experience and the knowledge of building and operating the business.

Years ago, Henry Ford, the founder of Ford automobiles was asked by a reporter “Mr. Ford, you're a billionaire – so what? What would happen if you lost it all tomorrow?”

Mr. Ford smiled and replied “I would have it all back and more in 5 years!”

I truly understand what Mr. Ford meant by these words and I feel the same about the music business or even my real estate business. The knowledge I have gained by building the business from scratch will never leave my mind and the wisdom is the true asset – not the equipment or the buildings.

In the classic book “The Richest Man in Babylon”, the characters in the book are given a choice between a large sack of gold and a clay tablet with wisdom inscribed in it.

The book explains that the man who chooses the gold will quickly lose it, whereas the man with the knowledge will eventually get the gold.

Henry Ford and the Richest Man in Babylon both agree, true value is in the knowledge not the gold, the money, the buildings, or the companies.

Early in my real estate career, I made of point of investing in my education through seminars, coaching, training, mentoring, books, audio files etc. To build my education as fast as possible. Education, knowledge and experience form the backbone of business and entrepreneurship. Where most people rely on their job, their salaries and the government to survive, entrepreneurs rely on business acumen thrive.

It always startles me to see young investors and entrepreneurs forgo business and real estate education and jump into the field with both feet. I have made this mistake in the past and it is extremely costly to experiment with real world dollars.

If you are in business, real estate investing or entrepreneurship, please ensure that you allocate a portion of your earnings to ongoing education. For myself, my education has made all the difference and has allowed me to grow my real estate business from a one time investment of $1200 to a multi million dollar portfolio.

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!








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Identity: Do not find yourself, Create yourself

12/12/2012

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By: Stefan Aarnio
Freedomway.ca
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“Life isn't about finding yourself. Life is about creating yourself.” 
― George Bernard Shaw

So many people spend their lives trying to "find" themselves. The sad thing is, often, there is nothing to find.

In my own life, I spent much of my late teens and early twenties trying to "find" my identity. I worked at different jobs, I dressed differently, tried different hair-styles, played in different music groups, and struggled to answer the question "what do I want to do with my life"?

Sometimes I felt like I was chasing the wind. After many years of chasing, I learned that there was nothing to chase in the first place.

Everyone at some point gets to experiment with identity. We try different things, we experiment, we find things that work and things that don't. Some of the most successful people in history have shifted their identities and morphed as the world changes with them.

Some people I admire for re-inventing themselves are: Madonna (who is still relevant after 25+ years in pop music which is like 1000 years in real life), Steve Jobs (a man who re-invented himself and his company, Apple, many times) and Johnny Cash (who went from mainstream into obscurity and back into the public's eye).

These people have all gone through the highs and lows of identity by becoming relevant, obscure and then relevant again. They all created identities that were true to themselves and re-created them when necessary.

We are all human "be-ings" and not human "do-ings".

I always find it interesting that people ask on a daily basis "what do you DO for a living?" what do you "DO" with your time? What do you want to "DO" with your life?

Doing implies actions, which is important for success, but I think that being is much more important because we are human BE-ings.

If we know who we want to "BE", then we can quickly find out what we want to "DO".

For myself, I have stopped asking myself the question of "what do I want to do"? and have switched to the question of "who do I want to be?"

Since changing this one question, my success rate has sky rocketed.

I keep a list of 25 people that I admire and want to "be". Of course, I don't want to directly copy these people in every aspect, but what I will do is copy the things that I like about them. These 25 people that I want to be are "targets" for myself that I can attempt to emulate.

What I find most exciting about the list of 25 people that I want to "be", is when I write the things that I like most about them, I can find the common traits that I admire most.

For example, some of the people on my list are:

BRAD LAMB - Expert retailer, sales genius, branding genius
DONALD TRUMP - Branding genius, luxury developer, luxury brand, luxury retailer, maverick, media genius.
RICHARD BRANSON - Conceptual thinker, Venture capitalist, extremely prolific, branding genius, media genius, knows how to get press, risk taker, maverick
STEVE JOBS - Artist, Icon, Rebel, challenged the status quo, came from nothing, has ultimate career comeback, more relevant after death, maser retailer.
JOHNNY CASH - Artist, Icon, Rebel, challenged the status quo, came from nothing, ultimate career comeback, more relevant after death.

My list of people I want to be includes: Real estate entrepreneurs, retailers, developers, inventors, musicians, artists, military generals, chefs, movie and fictional characters.

What is more important than the specific people on the list, are the traits that I associate with each one.

For example, most of the people on my list are: Artists, Iconic, rebellious, mavericks, prolific, branding geniuses, luxury, media stars and retailers.

If most of the people on my list have those traits, and I want to "be" them, then those are the traits that I must focus on and strive for in my own life and business.

After finding 25 people for your list and taking an inventory of the traits that you admire in each person, you can quickly find out what kind of identity you must create for yourself.

What I find interesting about the "list" is that there are many successful people that I can think of that didn't make the cut. These are people I study and admire, but they are not people that I would want to "be". 

For example: Robert Kiyosaki is someone I admire and have studied in great detail, but I do not wish to be Kiyosaki. He is a great teacher, but I don't want to be a teacher.

The more specific and detailed you become with this list, the more you will find your identity.

We can see ourselves only when we see our reflection in the mirror. The list of 25 people is our way of creating a mirror to see into ourselves. This mirror allows us to see what we are on the inside.

Once we can see who we want to become, we can begin the process of reverse engineering our identity so that we can become the person we were destined to be.

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

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Sandman Empire: How to build a real estate empire while you sleep

12/9/2012

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By: Stefan Aarnio

Freedomway.ca
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“We have this notion in America of the Lone Ranger/Batman type - you know - someone who takes on the world alone. But in reality, all successful people need help. We need advisors, coaches, lenders, customers, and clients. True we ourselves have to do the work, but our "team" that we put together - makes it all worth-while. The sooner we realize this, the sooner we can reach our goals.” – Robert Shemin

Although many entrepreneurs enter the field of business alone, achieving success in just about any field is impossible without a team.

This is especially true in business where “lone rangers” get squashed on a daily basis by teams of professionals.

1)   The local “mom and pop burger shop” gets wiped out by McDonalds,

2)   The local “mom and pop hardware store” gets crushed by Home Depot

3)   The local “mom and pop” department store gets destroyed by Wal-Mart.

These small “lone ranger” businesses may provide better services than Walmart; They may provide better burgers than McDonalds and they may offer more expertise than Home Depot. However, they cannot compete with teams of professionals that make up the talent at Wal-Mart, Home Depot or McDonalds.

One thing that separates “mom and pop” from the Walmarts, Home Depots and McDonalds is that “Mom and Pop” have to sleep: Walmart, Home Depot and Mcdonalds don’t.

Kevin O’Leary, Canadian Investment Guru, once said that he prefers investments that make money while he sleeps.

Investors make decent returns when their money grows during business hours... However, the same investors get rich when their money keeps working for them after they have gone to sleep.



In real estate investing, many investors don’t consider themselves to be entrepreneurs. Most investors manage their own properties, hammer their own nails, paint their own walls, lease their own suites and pick their own deals.

Most real estate investors do not get ahead because they are too busy pinching pennies at the $10 an hour level to make serious dollars at the CEO level.

In order to break out of the $10/hour mentality, it’s up to the entrepreneur to break the link between time and money.

Most of us are taught from an early age that:

Time = Money

In reality, time does not equal money:

·      Sales = money

·      Assets = money

·      Brand = money

·      Press = money

·      Information = money

When time equals money, we are stuck in an advanced form of slavery. We must trade hours for dollars. The problem with this model is that we only have a limited amount of hours and cannot make money while we sleep.

Sandman Empire: (noun) An empire of business or real estate created passively through a joint venture or partnership between a passive money partner and an active working partner. The active working partner handles all aspects of the business and the money partner is only responsible for financial backing. The passive partner is removed from all operations and can essentially sleep; hence the word “sandman”.

Investors who can create a “Sandman Empire” can earn serious returns in a completely passive way and have unlimited earning potential: Investors who fail to create a “Sandman Empire” are limited by time, focus, management, skill sets and capabilities.

But how can one create a “Sandman Empire”?

In investing, there are two types of investors: Active Investors and Passive Investors.

Active Investors are essentially entrepreneurs. They pick their own deals, manage their operations, manage their contractors and run the enterprise. Naturally, these entrepreneurs get the highest returns possible and in many ways, they take a risk on themselves to perform and run the enterprise profitably. Active investors may or may not invest money into their enterprise. Since they invest their entire lives into the business, usually they do not have money invested.

Passive Investors are more like silent partners who park their money with an Active Investor. Silent partners trust the Entrepreneur to run the enterprise profitably. Silent Partners need to be proficient at analyzing people and deals. These Passive Investors are the ones who get the benefits of building a “Sandman Empire” if they can select the right Entrepreneur to grow their money.

Usually passive investments have lower returns than active investments. However, Passive investors can get much higher returns by partnering with an Active Investor and splitting the profits.

If a Passive Investor can find the right Active partner, the possibilities are endless. When financial backing is paired with time and talent, tremendous value and profits can be created.

However, if the Active partner is not chosen correctly, massive financial destruction can occur; including losing the investor’s capital or worse.

A Passive Investor must perform proper due diligence on their Active Partner before “taking a leap of faith” and making a final decision to place their money with him or her.

Some questions that need be answered in the due diligence period are:

1)   Does the Active Investor have experience with these types of assets?

2)   Does the AI have experience with this strategy?

3)   How do we recover if things don’t go according to plan?

4)   Has the AI lost money before? How did he or she handle the loss?

5)   What is the track record of the AI, does it show success? Is he or she hiding anything?

6)   Has the AI built an adequate team? Can the team handle the additional business that the Passive Investor is funding?

7)   How has the AI handled himself when things went wrong? Can he turn bad luck into good luck?

8)   What transparency is offered?

9)   What options does the Passive Investor have to exit if things don’t go right?

10)                 Does the AI have good relationships? Is he loyal and in what way?

11)                 What is the brand of the AI? What does he stand for?

12)                 Is the AI 100% focused and committed to the venture or does he or she have a day job? Do you want a “weekend warrior” managing your money?

13)                 What is the X-factor for this AI? What makes him the over-the-top best choice for your dollars? Are you investing in someone who takes care of the details and provides an excellent product and experience? Or just another “real estate guy”?

If an Active Investor can provide satisfactory answers to all of these questions, then he or she is a prime candidate to build a “Sandman Empire”.

Of course you will have to trust and verify all of the answers to make sure that the “walk” matches the “talk”. When it comes to money, people will say whatever they have to get your dollars. Don’t be a victim of bad due diligence, put your potential partner through extensive scrutiny, ask the hard questions and make sure that you have a competent, trustworthy partner to build your empire while you sleep.

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


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Victim Mentality, The Deadliest Poison: 18 Ways that your Brain may be Killing You.

12/5/2012

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By: Stefan Aarnio
Freedomway.ca
facebook.com/stefanaarnio
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“Suppose a farmer has some land, and it's good, fertile land. The land gives the farmer a choice; he may plant in that land whatever he chooses. The land doesn't care. It's up to the farmer to make the decision.

We're comparing the human mind with the land because the mind, like the land, doesn't care what you plant in it. It will return what you plant, but it doesn't care what you plant.

Now, let's say that the farmer has two seeds in his hand- one is a seed of corn, the other is nightshade, a deadly poison. He digs two little holes in the earth and he plants both seeds-one corn, the other nightshade (a deadly poison). He covers up the holes, waters and takes care of the land…and what will happen? Invariably, the land will return what was planted.

As it's written in the Bible, "As ye sow, so shall ye reap."

Remember the land doesn't care. It will return poison in just as wonderful abundance as it will corn. So up come the two plants – one corn, one poison.”

-Earl Nightingale

Earl Nightingale who was one of the best self-development minds of all time had an unbeatable analogy for the human mind.

Nightingale compared the human mind to a fertile piece of land where we can plant whichever seeds we choose to plant.

The mind is neutral and much like fertile land and will return whatever we choose to plant.

What I find amazing on a day-to-day basis is to see what people plant in the fertile earth of the mind.

Instead of studying success, listening to lectures, reading books on success, attending seminars, creating visions, creating plans, and visualizing what we want; most people fill their brains with garbage.

Most people “mind feed” on mainstream news, mainstream radio, CNN, Fox News, Dr. Phil, Maury, daytime television, infomercials, video games, soap operas, sitcoms, Hollywood movies, magazines, pornography and trash fictional novels (which can also be pornography aka fifty shades of grey).

Finish this sentence…

Garbage in…

Garbage out?

Most people will finish the sentence “garbage in” with “garbage out” implying that if we put garbage into our brains, we will receive garbage as output.

The truth is, the results are much worse…

In reality, Garbage goes in, it festers and multiplies by three. “Garbage” has “Garbage Babies who turn out to be triplets” and morphs into a debilitating emotional cancer.

All of the above “garbage” in our mind feed sources can create a cesspool of poison in our emotional brain that breeds fear and inhibits our ability to take action.

We are given the most powerful, fertile land known to man and unfortunately; most of us are negligent farmers who fail to plant corn.

Even worse, instead of planting corn, or better yet – planting NOTHING; we plant an abundance of the deadliest poison of all.

THE DEADLIEST POISON

If good, clean, positive, empowering, affirming thoughts are corn, then what thoughts account for the deadliest poison?

Steve Chandler, a man who spent the majority of his life studying how the brain works as an psychological warfare specialist, defines the brain as working in one of two ways:

1)   The brain either functions with an OWNERSHIP mentality

2)   OR the brain functions with a VICTIM mentality

The ownership mentality represents the brain working as it was designed and this is where creativity, success, opportunity, fearlessness, and happiness come from.

Those of us with an ownership mentality are planting corn on a daily basis.

The opposite of an ownership mentality is a victim mentality. The victim mentality is the exact polar opposite of the way that the brain actually works. From an early age, through school and traditional upbringings, most children are taught to use their brain in the exact opposite way that it functions.

We teach people in our school systems to plant nightshade instead of corn and most people plant far more nightshade then corn every day.

Lets briefly compare an OWNERSHIP mentality to a VICTIM mentality.

18 differences between an OWNER and a VICTIM:

1)   Owners are Positively charged, Victims are negatively charged.

2)   Owners are happy from the inside (all children are born happy), Victims believe that happiness comes from the outside.

3)   Owners see and seek opportunity; Victims expect to have opportunities “presented” to them.

4)   Owners use the brain for creating; Victims do not create and feel needy instead.

5)   Children are born as owners: 90% of young children believe that they are good at poetry, dancing and singing. Most adults have become conditioned to be victims: 75% of people aged 30+ believe they have no ability at dancing, singing and poetry

6)   Owners are fearless; victims are fearful

7)   Owners actively seek wisdom in every experience; they say “what can I get from this situation”? While Victims turn their brain off and passively float from experience to experience. Victims say “I don’t want to know” or “I’m trying to get through this experience”.

8)  Owners actively create situations, Victims passively react to situations

9)  Owners are the authentic YOU; Victims are YOU reduced down to an animal level

10) Owners say “I use life”’; Victims say “life uses me”

11) You were born an Owner; Victims are “added on” to your personality through conditioning.

12) Owners say empowering words of intent like “I want to”, “I will”, “I Choose to”; Victims say de-motivating words that crash the higher brain functions like “I should”.

13) Owners eat to live; Victims live to eat

14) Owners pull up their socks and complete tasks that others don’t want to do. It’s “horrible” to work 12 hours a day towards a goal that you have chosen. However, Victims take no action and live life as “miserable”. Life is a choice between the horrible and the miserable.

15)  Owners have an internal self-rewarding belief system. Victims have an external belief system that was inherited from someone else.

16) Owners operate from a place of LOVE while Victims operate from a place of FEAR.

17) Owners find satisfaction in measuring small improvements and tasks over time. Victims seek success with an “all or nothing” mentality. If they don’t have 6 pack abs after 10 sit-ups, they quit.

18) Owners create a vision of who they want to be and start living in that reality NOW while Victims are living a life as one half cynic and one half skeptic.

In my own mind, I have become a diligent farmer and have “weeded out” most of the nightshade that has grown in my brain. To me, planting corn is very important and I have hired a coach to ensure that I can produce the best crops possible.

The mind can be a brilliant machine that creates wonderful art, health, wealth and life or it can be a prison that kills dreams.

Take some time to go through the list of the 18 differences between owner and victim mentality and isolate any limiting beliefs you may have.

Strive to become a diligent farmer and produce the sweetest crop of corn that has ever grown.


Thanks for reading,

Stefan Aarnio
Freedomway.ca
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Poverty Sucks: The top 5 Reasons Why you need to become rich in the next 10 years.

12/5/2012

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By: Stefan Aarnio
Freedomway.ca
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In North America, the middle class is quickly becoming an endangered species.

In many ways, opportunity for middle income jobs is disappearing quickly as the jobs migrate overseas to India, China, Brazil and other up and coming economies.

In both Canada and the USA, we are quickly becoming a third world country.

The best definition can find for a third world country is: A country where there is no middle class – only rich and poor.

There are many factors that threaten and endanger the middle class, some of which are:

1)   Unions and inflated labor prices in North America that keep the USA and Canada from competing on the world market

2)   North American consumer demand for the lowest possible prices of consumer goods aka: Wal-mart. North American consumers will not pay premiums for locally produced goods.

3)   The death of American manufacturing

4)   The Federal Reserve, Quantitative easing and inflated money supply

5)   Rising oil, food and real estate prices as a result of Quantitative easing.

6)   Rising minimum wage while middle income earners have stagnant earnings

7)   Technology that eliminates certain jobs every year, ie: Clerical jobs replaced by automation.

8)   Rising taxes and fiscally irresponsible governments

All of the above factors are a threat to the shrinking middle class and as the world becomes more global, many more middle-income jobs will disappear.

Why hire an assistant in Winnipeg for $12-$15 per hour when you can hire a virtual assistant who speaks perfect English with better education in the Philippines for $1.50-$4 per hour?

An MBA graduate in the USA costs a company $300,000 a year while the same MBA graduate from India costs $30,000 a year.

The world is changing rapidly and, for many, it is time to make a decision between joining the ranks of the rich or poor.

Eventually, there will be no middle ground in the North American economy. If a person wants to keep living a middle class lifestyle, he or she may have to move to Brazil.

If given the choice between living rich or poor, everyone always says they would choose to be rich. However, when you survey the actions of the average person, it is quickly evident that most people choose  a life of poverty over a life of wealth.

The top 5 reasons why “Poverty Sucks” and why you need to be Rich in the next 10 years.

1)   You don’t get what you want in life: People who choose a poverty mindset over a wealth mindset ask themselves “what is the cheapest thing I can afford?” For these people, life is controlled and dictated by prices – not value. When you go to a restaurant for dinner, do you order the cheapest thing on the menu? Or do you order what you actually want to eat?

2)   Lack of Freedom: When you have a poverty mindset, other people make critical decisions for you. Most people are 100% controlled by their government and their employer. If you want the freedom to make your own decisions, it may be time to build a wealth mindset. Every great experience in life has a price of admission, if you want the experience, you have to pay for it. America’s jails are filled with people who have absolutely no freedom. Most American prisoners made less than $10,000 per year before entering the prison system. When you are impoverished, you are stuck in survival mode and cannot get into “creation mode” where you can freely create wealth and the life you want.

3)   Lack of confidence and health: Lack of funds creates stress. Everything in life is difficult if you cannot pay the price of admission. Stress is a major threat to health and wealth. Lack of funds also creates a lack of confidence, which can be a vicious cycle. No funds equals no confidence and no confidence equals no funds. If you are in this cycle, break it immediately.

4)   Broken Homes: The #1 cause of broken homes and divorce is financial stress. Financial infidelity aka: hiding bank accounts, secret spending and secret credit cards ruins trust and relationships. Divorced families are much more likely to be faced with poverty and financial problems.

5)   Debt: Nearly 50% of the families in the USA are 1 paycheque away from bankruptcy. We live in a paycheque to paycheque society where overspending and money mis-management makes debt a necessity for survival. Today with credit cards, it’s easier than ever to get into debt. Although debt is a convenient way to take care of immediate problems, it is a double-edged sword. Debt will let you do the things you want today while robbing you of the things you want in the future.

All of the above reasons can create cycles of poverty that are very difficult to break.

Unfortunately, in the future, there will only be rich and poor in North America unless some major changes are made. I have heard many experts say that next 10 years will be the biggest wealth transfer in history and best time in history to become very rich... or very poor.

The USA is in a recession that may turn into a depression and this means that businesses, real estate and other assets will be on sale. There will be more opportunity than ever to become wealthy.

The best part of living in a free country like the USA or Canada is that each of us has the ability to choose between becoming Rich or Poor.

Thanks for reading,

Stefan Aarnio

Freedomway.ca
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Profit from ignorance: Zero Based Thinking

11/30/2012

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By: Stefan Aarnio
Freedomway.ca
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 "All I know is that I know nothing"
-Socrates

Why is it that in life, the smarter we become, the less we know?

When I was 7 years old, I was the smartest person in the world. I knew everything there was to know about space, the planets and the solar system.

When I was 7, the facts of the solar system were as follows:
  1. We have 9 planets
  2. A sun
  3. A bunch of stars

If I knew these basic facts, I knew everything there was to know about outer space and received a gold star.

With this limited knowledge, I knew 100% of what there was to know about space and was an expert until junior high when suddenly, the subject of outer space expanded and became more complicated.

I started to learn that I was no longer an expert on outer space because now we had to know:
  1. That the sun is made of gas
  2. Gravity holds the solar system together
  3. The planets have multiple moons that orbit them etc.

Suddenly, I went from being a 7 year old expert to a 12 year old ignoramus who had to re-learn the facts of the universe.

When I was 7 I knew it all, when I was 12 I suddenly became ignorant about the universe.

In high school, I ran into the same problem. New information about the universe flooded my context through physics and chemistry. My knowledge base exploded and I could not keep up with all of the new information. With each new level of proficiency, I learned that in-fact, I knew nothing about the universe.

With each new level of information,  I knew less and less. The more I studied, the less I knew.

Today I know virtually nothing about space and the solar system.

Even facts that used to be true are suddenly un-true. For example: We used to have 9 planets and now there are 8. 

Pluto is no longer a planet... what changed?

What I used to know is no longer relevant in today's world. 

As Einstein says: "change is the only constant in the universe".

How is a person supposed to keep up with all of the new information that is introduced to us every day in this brave new world?

We become experts in a field, learn everything there is to know and suddenly the information changes, the market changes, or we find the "next" level in our field.

No matter what we do, we know nothing.

ENTER ZERO BASED THINKING

Zero based thinking is the concept of always knowing nothing. 

In zero based thinking, we are always at the beginning... we forget everything we used to know.

The reason why we must forget our prior knowledge is because what we knew yesterday no longer applies in our current context. 

The same concept applies when we want to take our business or our life to the next level and bring it into the future.

"If you do what you have always done, you will receive what you have always got."

Zero based thinking applies when we want to take our life and our business to the next level.

For example, when you are a child and begin to earn money, you are 2 figure earner or a 3 figure earner. You get a paper route, work part time, save up your pennies and make dollars.

When you're in high school, you have a part time job babysitting or flipping burgers and become a 4 figure earner working 2 or 3 months of the year at a summer job. Becoming a 4 figure earner is a different process than becoming a 3 figure earner.

Of course, the chain continues...

To become a 5 figure earner, you enter the world of "full time employment". Through promotions and proficiency in the corporate world, you can transform into a 6 figure earner. However, this is where most people get stuck.

When we become 6 figure earners, our context usually becomes frozen. We think we know everything there is to know and our egos keep us from learning how to get to the next level.

To jump to the next level, we must use Zero Based thinking and forget everything we used to know about earning money because a 7 figure earner follows a completely different process than a 6 figure earner.

Usually a person can reach 6 figures by pure effort and energy. Hard work, blood, sweat and tears can produce 6 figures quite easily these days and many people achieve this accomplishment.

However, to reach 7 figures is completely different. 7 figures is a different set of actions and a wildly different mind set. Hard work alone will not allow a person to jump from 6 to 7 figures.

To become a 7 figure earner, we must "build a business", build a team, build systems, build marketing campaigns, manage people, sell, and essentially run an enterprise.

We must unlearn what we used to know as a 2 figure, 3 figure, 4 figure, 5 figure and 6 figure earner stages because 7 figures is a completely different ball game.

Naturally, the chain continues. 8 figures is completely different from 7 and 9 figures is completely different from 8.

But what is the lesson?

No matter what "level" we are on in life, we must always employ Zero based thinking and approach our situation with fresh eyes. We must deconstruct what we used to know and re-learn the new facts of the world as they become relevant to us in a new context.

Unfortunately, egos and pride stop us from using zero based thinking consistently and often, we need outside personal help from a coach or mentor to expand our context and allow us to see outside of our tiny "box".

For myself in my business, I have completely changed my thinking this year from January 2012 until now December 2012.

I started off with a 5 figure mindset and through coaching and mentoring, I have been able to expand my context. This year alone, I have expanded to a 6 figure mindset and am now approaching a 7 figure mindset.

All that I have to do is execute actions based on my mindset and let the results catch up to my thinking. This process will likely take 12-24 months.

What is wonderful about expanding the mind through Zero based thinking is that: "an expanded mind never returns to it's original size".

What becomes challenging throughout the process, however, is to keep the Zero based mindset and to refrain from becoming a "know it all". 

This year I have re-built my website 4 times, re-designed my business cards 6 times, changed my business model 6 times and will likely re-brand before the year is over.

I am constantly "back at the beginning" in my learning process and this is where major growth comes from.

If you are interested in taking your business to the next level,  using Zero based thinking can be a simple process.

Find someone who is more successful than you and get them to coach you to the next level.

To become 6 figures, you must learn from a 7 figure.
To become 7 figures, you must learn from an 8 figure.
To become 8 figures, you must learn from a 9 figure etc.

The chain never ends and goes on forever... this is the beauty of life.

The real question is, where on the chain do you want to stop?

Thanks for reading,
Stefan Aarnio
Freedomway.ca
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Are you dead at 67?

11/24/2012

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By: Stefan Aarnio
Freedomway.ca
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Retirement for many North Americans is a dream that many people wish to have. The first wave of baby boomers is starting to retire in the next few years, however, many of them are not prepared to stop working.

The definition of retirement is “to take out of useful service” and what happens to so many hard working people is that they die shortly after being “taken out of useful service”.

Working at a job is a a social pursuit that can add purpose and meaning to a person’s life and so many people highly value the social aspect of working.

If a person decides to retire and loses the social environment that they have been in for the last 10, 20 or 30 years, they can suffer a serious blow to their happiness and life can become very difficult.

If you look at human history, there are virtually no examples of societies that have a “retirement” with golf courses, meal plans and retirement homes.

Life spans have been short throughout history and people generally worked until they died. In some cultures, the elderly would live with their children and help out around the home, but they still did a considerable amount of domestic chores and kept “working” without retirement.

Many baby boomers have the vision of retiring on a golf course like their parents did and sadly, I don’t think this will be a reality for most of them. My opinion of the “golf course” retirement is that it has been an anomaly that only one generation in human history has been able to enjoy.

Unfortunately, the “golf course” retirement has been artificially created by the WWII generation before the baby boomers.

The WWII generation financed their “retirement” on debt and fiat currency. Like most debts, they have been able to pass the bag onto their children (the boomers).

Historically speaking, the “golf course” retirement was created early in the industrial age and it was mathematically engineered by highly skill actuaries. They calculated that for every year a person worked after age 55, the worker’s lifespan decreased by a proportionate amount of years.

“67” is the magic year because it the shortest amount of retirement that the company would have to pay. Age 67 is the year that the average worker would statistically die after working until age 65.

What this means was that many retirement plans were designed around a worker working from age 18 to 65 with a 2-year retirement followed by a quick death at 67.

“Retirement” plans were never designed to support people and their families into their 80’s, 90’s and 100’s. These retirements span 20, 30, 40 or even 50 years and they were fundamentally designed to support 2 years.

Most companies with defined benefit plans were betting on their employees dying 2 years after 65. Statistically today in North America, both men and women live to be nearly 80 years of age and the number is climbing as healthcare improves.

I saw a statistic the other day that said that between Obamacare, social security and medicare, the United States has 80 Trillion dollars of unfunded liabilities. The amazing thing is, 80 Trillion dollars is more money than the entire world’s money supply.

No one can pay this liability, not even the USA with it’s unprecedented money printing abilities.

The USA could print their way out of the problem, but would completely devalue their currency into oblivion in the process.

Many of the pension funds, retirement funds and mutual funds that the Boomers are relying on for retirement are all invested in the paper assets that are extremely vulnerable to market fluctuations.

Furthermore, these assets are all timed to liquidate at the same time. The baby boomers are the largest demographic in North America and in other parts of the world as well. These people will be selling their large family homes at the same time (in specific suburban sub-markets), liquidating their stock portfolios and will begin systematically withdrawing from the markets in 2016.

What happens when everyone reaches his hand into the cookie jar? Although there should be, there are not enough cookies in the jar for everyone and some of us won’t get a cookie. The stock market works like this and when everyone wants to sell, values deflate and many people will not get their full (inflated) value on their assets.

When the baby boomer garage-sale begins, who will be in line to absorb these large suburban family homes, stock portfolios and other assets?

My prediction is that the younger generations, namely the echo boomers, will not have the purchasing power to absorb their parents’ assets. There has been a large shift in the middle class and the entire middle class workforce has migrated from North America to Asia.

As well, the purchasing power of the echo boomers has been damaged by long term no-value university programs and many do not enter the work force until mid twenties or later.



Furthermore, many echo boomers are loaded down with student debt racking up into the hundreds of thousands.

It is common for students nowadays to leave school with a houseless “mortgage of student debt”.

What is most unfortunate is that these students cannot go bankrupt to get out of their debt obligation.

I don’t have a crystal ball to predict how these demographics, fundamentals and laws will pan out, but there will be chaos and chaos brings opportunity.


If you are a savvy investor, you will be able to find some serious bargains on assets in both Canada and the USA.

However, if you are on the other side of the equation and expecting to retire in the next few years, you may need a back up plan to hedge against your current investment portfolio.

I don’t want to preach doom and gloom; I prefer to be optimistic about the future. However, we are set up for a perfect storm in the next few years and I truly believe that we will see a major transfer of wealth.

It’s up to you to get educated on the things I have written about in this article and do your best to prepare for the perfect storm… Otherwise, it may be better to die at 67.

Thanks for reading,

Stefan Aarnio

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

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    Stefan Aarnio

    Stefan Aarnio is a Real Estate Investor, entrepreneur and artist based out of Winnipeg, Manitoba.His real estate website is Freedom Way Joint Ventures  His art can be seen at http://stefanaarnioart.com

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