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14 Best Investment Opportunities for the Coming Year (2021).

2020 has been one of the most interesting years – to say the least – we’ve experienced in our lifetimes and since you’re interest is in making the most out of this period, we’re about to break down for you the best performing asset classes and industries of 2020 and what we’re betting our own money on, to perform well as we go into 2021.

1. Real-Estate

We said it once and we’ll keep saying it:

Real estate is the best investment! Medium & long term.

Many of you are probably waiting for property prices to go down, while smart money has already begun acquiring properties. The pandemic has forced some businesses to sell premium properties that they wouldn’t have otherwise let go, at discounted or fair prices.

Here’s a golden rule of real-estate:

The profit is made when you acquire a property!

And the pandemic proved to be a once in a lifetime opportunity to acquire undervalued great properties.

2021 is probably going to be another great year for real-estate prices since interest rates are so damn low and the businesses are still hungry for capital to keep the lights on, which is why they’re willing to sell off some of their assets. Be on the lookout.

2. GOLD & Silver

We love every opportunity to Hedge against the government.

For those of you unfamiliar with the term “Hedge” it means to make an investment that protects you against a financial loss.

If the stock market does well and governments do their job well, our wealth increases.

If the government starts printing money like crazy, then the price of bitcoin and gold goes up – our wealth increases once again.

In the long term, hedging your investments is a great way to secure and grow your wealth.

The average return of gold in 2019 was 18%. In 2020, the year to-date returns of gold are close to 30%. Silver is also at 30%.

If you timed your purchase with the March collapsed -as many investors did- you would’ve seen even higher returns.

As long as governments keep printing new money, alternative assets will be an incredible investment. With 2021 around the corner, we’re more than likely to see another round of financing trying to “revitalise” the economy, allowing for even more opportunity for growth.

3. Electric Cars

Electric cars have been the biggest biggest winner in the stock market. Despite the news, despite the industry pushing against it, despite the big oil money, people are betting long term on electric cars and the process results in incredible short term gains!

Here are the numbers:

TESLA’s year to date returns are 650%

If at the beginning of 2020 you invested $10,000 in Tesla stock, now you would have over 65,000 dollars.


Do you want to have your mind blown even more? Ok then!

Have you heard of NIO? Nio is basically China’s version of TESLA. They’re the biggest electric car manufacturer in China and the one most likely to win the EV market there.

NIO’s year to date returns are 1250%

If at the beginning of 2020 you invested $10,000 in NIO stock, now you would have over 125,000 dollars.

If one was paying attention to what is happening in the electric vehicle space you could’ve become a millionaire in 2020 with a 70 to 80,000 dollar investment.

And the year isn’t even over yet.

Still not convinved to push your chips in this market? Maybe the prices of The 15 Most Expensive Electric Cars in the Worldwill make you go to the calculator again.

4. eCommerce & Consumer Staples

When the pandemic hit, every small business worried about survival. But what did the consumers did? They stocked up on everything they could get their hands on.

Anyone remember the 2020 toilet paper wars? Pepperidge Farm Remembers.

Remember when the government gave everyone free money? Where did that money go? People spent it at Amazon and their large chain grocery stores.

AMAZON’s year to date returns are 72%.

Target is at 40%, Walmart around 30% and this has been the case everywhere around the world. These stats speak volumes on how timed investments equals to superior returns.

5. Bitcoin & Crypto

When the pandemic hit and the government started printing money like crazy our focus turned to crypto. We were not the only ones to understand what is happening and more and more of our connections started reaching out because they needed help with getting started with their crypto investments.

Even unsophisticated investors wanted to get in on this.

We’ve had our eye on the crypto space since 2015 and have been active investors since 2017.

We’ve used our experience to teach our inner circle what blockchain is, how bitcoin works, where and how to purchase your crypto and more importantly to store it safely as a long term investment.

As of uploading this article we’re close to 3X-ing our investment we made just 7 months ago.

During the initial lockdown, We found ourselves having to explain over and over again the entire process to different people, so we decided to do something about it. Everyone should have access to this kind of specialized knowledge but explained in a simple and easy to understand way from someone they can trust.

We put everything on hold and began working on a secret project called BITCOIN ESSENTIALS.

Everything we’ve been teaching our family and close friends has been structured and put into a premium learning experience for you, the Aluxers!

We believe the biggest transfer in weath is happening right now and those who are willing to take part in this technological change will reap immense benefits from it. We did put our money where our mouth is, after all.

We genuinely believe this is the BEST resource for anyone interested in getting started with bitcoin and blockchain, because we made sure it is… and the best part is, NO Technical level required. We will hold your hand along the way and explain it in our unique way. We made sure that by the end of the course, both you, your children and your parents will be fluent and ready to confidently invest.

By the end of the course you will:

  • Understand what Blockchain is, what Bitcoin is, and how they work.
  • Understand & Use key vocabulary and concepts when discussing Blockchain and Bitcoin in business situations.
  • Security: How to Purchase & Store your Bitcoins safely. (we will walk you through everything step by step), and lastly
  • How to Invest, Transfer or Liquidate your Bitcoins if you want to.

This is the reason why Goal Mastery is late. This is the course our community needs right now, because we’re at a critical moment in time. This train is already moving.

6. Renewable Energy

If the electric car is any indication to where investments are going, the renewable energy space as a whole will be one of your safest bets.

Go Green ETFs have a year to date return close to 100%, basically doubling your money.

Everything that has to do with solar and wind is booming. You’ve probably seen campaigns even in your country where your main energy providers are boasting about how much money they’re investing in renewables.

This is where the puck is going and as the technology gets better and better the higher the scalable adoption will be.

7. IT & Big Tech

This has been the biggest year in tech.

The entire world ran a massive experiment in their ability to work from home. In just a few months, this new company called ZOOM crushed Skype, a company that has been the main video conferencing software since we can remember.

People purchased products online.

Food delivery became the main revenue source for restaurants and we all consumed more content than ever before.

If you timed it right, you could’ve literally pushed your investments in ANY big tech company stock and you should’ve seen 30 to 50% returns.

Netflix is at 50%, Apple is at 60%, Google, Facebook, Microsoft – all around 30 to 40%. The biggest one to come out of the gate was nVidia. They the biggest graphic card manufactured and their year to date return is at 125%.

8. Pharma & Health Care

During a medical pandemic, as you would expect pharma and everything connected to the field blossomed.

Every big company started competing in a race to get first to a vaccine and we already have 3 big winners.

Pfizer, Moderna & AstraZeneca are already on the cusp of mass production with their own version.

The biggest winner out of the 3 is Moderna with a year to date return of: 450%

Although this is an extraordinary result, there’s no way you would’ve been able to tell that Moderna will be the one to crack it unless you had a magic crystal ball. It’s apparent that healthcare investments are big this year.

9. Travel & Hotel Stocks

If you remember our stock video, you know that this is one of our favorite investments and it paid off great so far.

Basically, the entire hotel industry has been shattered by the coronavirus situation with stock prices tanking. We picked up all the big chains for cheap. Our bet is that once the vaccine becomes largely available we will see a steady increase in tourism as more and more people look forward to a new holiday after all this quarantine.

Hilton, Hilton Grand Vacations, Marriot and MGM provided us with over 100% return EACH since we purchased.

We were also betting long term on airlines, but the growth hasn’t been that impressive.

Right now, we’re waiting for the Airbnb IPO and we’ll probably get some of that as well, since some of our properties are monetized through them as short term rentals.

We are confident that 6 to 12 months from now, everything travel related will see a jump as travel picks up.

10. Index Funds

Index funds have been our go to recommendation for what we call lazy investments. Do you want your money to grow consistently without touching it? Go with Index funds.

S&P500 is an index fund bringing together the top 500 companies in the US. Basically you invest in all of them at once. It’s a great reflection of the US economy as a whole.

Here’s the thing, for the past 30 years, the S&P has consistently delivered over 10% yearly returns and this year is no different.

The markets crashed in march earlier this year, with the S&P dropping almost 30%. At that point everyone who was smart started buying.

By the end of August, all the loss had been recovered and now it’s going up. Even if you took the hit and invested in the S&P500 before covid, as of uploading this article you would still see +15% returns.

The thing is, not many people know how to leverage these type of events in their favor. We’ve learned how to monetize financial crises from a book called UNSHAKABLE by Tony Robbins.

11. Energy & Petrol

We talked earlier about where the puck is going with the investments in the renewables, but this has been an incredible year for “where the puck is”.

Once petrol tanked, we were ready to buy and it proved to be a great choice. Marathon – 60%, Laredo 80%, Murphy-100%, Matador 270% returns. Truth be told we wish we would’ve both more.

End of July we picked up General Electric and 4 months later we’re up by over 50%.

Everything fuel-wise we see as a strong medium term investment. We’re being strategic and regularly selling a percentage of our high return stocks and shifting that excess capital to index funds for safe keeping.

12. Luxury & Fashion

Based on the profile of our business, you wouldn’t expect us to ignore the luxury industry, would you? Rest assured, we didn’t!

What we love about the luxury markets is that they’re not as affected as everyone else. Sure, there was the drop in March and April, sure we loaded up investments on everything we wanted and then we waited.

As we expected, the markets bounced back.

While the likes of COTY and Ralph Lauren provided steady 30%+ returns, Levi’s 60%, Tapestry, the former company known as Coach – you know their products – has been a real winner with over 110% returns.

Although historically we’ve seen bigger returns in the tech space, we always recommend diversifying your portfolio into industries that you have an interest in, that way you know about the companies that are struggling and those that are coming up.

13. Banks

We dislike banks as much as everyone else – one of the main reasons why we have our investments in crypto, but in times of pandemics, banks are usually the first ones saved by the government, so if there’s an opportunity to park some cash for short to medium term, we will take it.

We like Banks because they also pay dividends regularly, so it’s a form of passive income in addition to the growth of the stock price.

For example, the biggest investment in our banking share is held by Citigroup.

The return on our stock investment has been around 40%, but what might be interesting for you to know si that they also pay dividends 4 times a year and the rate is $0.51 per share owned, where the share price is around $60. You buy a couple hundred shares to hold and the dividends pay for your new iPhone.

14. The Companies That Make the Products You Use and Love

You’re here because you’re looking for advice on investments.

Our best take on this:

Look around you! What are you buying & what products do you love?

Then buy stocks in these companies. We get our coffee from Starbucks, so we purchased some stock. We wear Nike, Adidas and UnderArmour, so we bought them. We love Tesla, so we put some money with Elon. All the tv’s in our rental apartments are LGs, so we purchased LG stock as well. Love your playstation 5? Buy some Sony stock!

Every time we spend our own money on a product and we end up loving it, we make sure to invest in that company as well.

Investing in your favorite companies has become incredibly easy. We are not paid by any of these companies, but you should check out Robinhood, Revolut, eToro, Vanguard, Fidelity, E-Trade and so on.. You can google and pick any of them and they’ll get the job done. Just never go full WallstreetBets with your finances and you should do alright.

If you guys still find it difficult to start, let us know in the comments and we’ll make a step-by-step course into how we do it.


Business news Uncategorized

Coronavirus Just Proved the Economic & Societal Impact of Bio-Warfare

The world took a knee in front of this virus! What happens when the next one shows up?!

The world took a knee in front of this virus! What happens when the next one shows up?!

For the first time in modern history, we’re seeing just how quickly society can be brought to its knees, this time without swords, without guns or nuclear missiles.

As of making this video it’s hard to calculate the exact amount of economic loss that is being occurred right now, because the number is quickly accelerating. Oxford economics put the loss of output alone at around 1.1 trillion dollars, that’s the number of money we stopped generating since the pandemic went in full swing.

Let’s look at the us for example: as of February 2018, the entire US stock market was valued at $30.1 trillion dollars.

In the last 45 days, the US stock market lost 35% of it’s value, with a safe to say 10 trillion dollars in losses.

Quick to spread viruses have vast economic impacts. They destabilize economies, cause death and put the world into chaos.

This time it happened to be an accident, hopefully, but every military in the world is getting a crash course on pandemics right now, opening a Pandora’s box of new weaponry. How can we stop a country like North Korea not to use any weapon at its disposal if it feel threatened?! Who is going to oversee that a terrorist group isn’t working on bio-warfare of its own?

The first confirmed case was on December 1st in Wuhan, China. As of making this video, it’s not even the end of March and the world is in full panic mode. It took less than 4 months to go from a single individual to an international threat (some might say, Threat Level Midnight!)

This is part 9 out of 15 about a discussion on the world in the context of the coronavirus pandemic.

Business news

New Rule of Money #2: Learn How to Use Good Debt vs. Bad Debt

Written by Robert Kiyosaki Read time: 5 minLast updated: March 17, 202011.1K

How to leverage and use good debt to create wealth

Many people teach that debt is bad or evil. They preach that it is smart to pay off your debt and to stay out of debt. And to an extent they are right.

There is good debt and bad debt. It is wise to pay off bad debt—or not get into it in the first place. Simply said, bad debt takes money out of your pocket, and good debt puts money into your pocket.

A credit card is often bad debt because people use it to buy depreciating items like big screen TVs, cars, and vacations. Conversely, a loan for an investment property that you rent out can be good debt if the asset’s cash flow covers the debt payment and puts money in your pocket.

The people who preach the evils of debt do not understand that debt is essential to the American economy. Whether that is good or bad is debatable, but what is not debatable is that without debt, our entire economy would collapse. Our entire economy is based on steady inflation. And the way in which we encourage that inflation is through debt.

Unfortunately, the way the rich use debt and the way the poor and middle classes use debt are vastly different.

How the poor use debt

As mentioned above, the poor and middle class use debt to generally buy liabilities like a car or a vacation. Here are some examples of how poor people use debt:

Bad debt #1: High-interest credit cards reports that average credit card interest rates are in the low 17% range. Beyond that, credit cards often have hidden rates that can cost you hundreds of dollars for things like late fees, annual fees, and currency exchange rates.

Credit cards are neither good or bad in and of themselves. It’s how you use them. Unfortunately, the poor often use credit cards in the worst way by buying liabilities like televisions and vacations, only to pay the minimum payment each month. By doing this they pay substantial amounts of interest over long periods of time for goods that lose value. It’s a double whammy.

Bad debt #2: Loans for liabilities

There are lots of loans out there that you can get for liabilities. From car loans to personal loans to payday loans, you can find a way to take on more debt…often at a high price.

They also pull out loans for things they consider to be investments, such as their own personal home. But a house is not an asset. Why? Because the very simple definition of an asset is that it puts money into your pocket. A liability takes money out. A personal home only takes money out of your pocket. This is not to say that you shouldn’t get a mortgage, but don’t do it thinking you’re buying an asset…and especially don’t take on way more than you can afford thinking it’s a good investment.

This method of using bad debt to attain things that generally lose value over time keeps most people financially enslaved to debt for most of their lives. And when they do finally decide to get off the drug of bad debt, they often spend years working harder and harder to pay it off. It’s a lot of lost time and opportunity.

How to use good debt like the rich

The rich use good debt to grow their worth, and they invest in cash flowing assets using Other People’s Money (OPM)—both the bank’s and investors’.

OPM is a fundamental concept of Rich Dad and a sign of high financial intelligence. By using both good debt and OPM, you can dramatically increase your Return on Investment (ROI)—and you can even achieve infinite returns.

Good debt is a type of OPM. The downside to debt is that you can generally only borrow a certain percentage of an asset’s purchase price. In keeping with our real estate example from my previous post on good debt, that is generally around 70 to 80 percent of the purchase price.

Because of this, you have two choices when you find a worthy investment: use your own money or use other people’s money. Provided you structure the deal well, the more you can use other people’s money, the higher your return will be.

Many people think it’s a fantasy world that people would just give you money to invest, but that couldn’t be further from the truth. The reality is that most people don’t have time to find good deals. Instead, they rely on people with the proper financial education, skill set, and drive to bring deals to them.

My real estate advisor, Ken McElroy, has perfected using OPM. His company, MC Companies, buys apartment buildings. He does all the hard work of finding deals, doing the due diligence, negotiating with owners and lenders, and handling management. In return, people line up hoping to invest their money with him.

Today, Ken does big deals that require a certain type of investor. Not just anyone can invest with Ken. But he started with small deals, like the ones I’m writing about today and worked his way up to big deals.

How to use debt to buy real estate and create wealth

Here’s an example from real estate on how the rich use good debt as money to create wealth.

Using the bank to leverage my investments, I can leverage my money. Using simple math, let’s assume I have $100,000 and am looking to invest it in a $100,000 property that rents for around $800 per month. You can find many properties like this if you look diligently.

I could use all my money to purchase one property for $100,000, or I could use good debt to buy five $100,000 properties.

The bank would lend me $80,000 for each property and I would divide my $100,000 into five $20,000 down payments.

At 5 percent interest, the payment on the loans would be around $500, including taxes and insurance. So, my cash flow on each property would be $300 a month ($800 in rent – $500 in debt payment = $300 per month) for a total of $1,500 ($300 x 5 = $1,500) per month—an 18 percent annual return.

How to use debt even more to your advantage with OPM

Now, here’s an example of why using good debt, coupled with OPM, is an even more powerful investment tool for the rich.

Using OPM, I can increase my return and secure even more assets. Let’s say that instead of having to put down 20 percent on five properties, I can use my $100,000 to put down 5 percent on 20 properties. I can do this by finding 20 great deals and lining up investors to invest in them.

Here’s how the math works out.

The bank would lend $80,000 for each property, and I would divide my $100,000 into twenty $5,000 segments, using OPM to raise the other $15,000 needed for each property. Again, at 5 percent interest, the payment on the loans would be around $500 per month. Let’s assume that we’ll pay a little more for our investors’ money and give them 7 percent interest. The money owed to them would be a little less than $100 per month—but we’ll go with $100 to make it simple. So, our total costs would be about $600 per month.

That means we’ll have a cash flow of about $200 per month, which we’ll split with our investors 50/50. We’ll pocket $100 per month, or $1,200 per year, and our investors will pocket $100 per month, or $1,200 per year.

Adding up the total return for all 20 deals, that’s $24,000 per year cash flow, a return of 24 percent. Not only am I making 6 percent more per year than if I just used my money, but I also have ownership in 20 assets instead of just 5. Later I can refinance these properties, pay off my investors, get my investment back, and continue to receive cash flow from the 20 properties—an infinite return.

Again, I’m using very simple math here. In real life, the numbers are more complicated and much larger. But the principles are the same. Investing with OPM takes a high level of financial intelligence. But both Ken McElroy and I both started small and worked into the big apartment deals we do today. You can do the same.

Be diligent. Continue to increase your financial education. Work hard. And master the fundamentals of good debt and OPM, and you will become wealthy

Business news

How Apple Thrived in a Season of Tech Scandals

By: Farhad Manjoo

The business world has long been plagued by Apple catastrophists — investors, analysts, rival executives and journalists who look at the world’s most valuable company and proclaim it to be imminently doomed.

The critics’ worry for Apple is understandable, even if their repeated wrongness is a little hilarious. Apple’s two-decade ascent from a near-bankrupt has-been of the personal computer era into the first trillion-dollar corporation has defied every apparent rule in tech.

Companies that make high-priced hardware products aren’t supposed to be as popular, as profitable or as permanent. To a lot of people in tech, Apple’s success can seem like a fluke, and every new hurdle the company has faced — the rise of Android, the death of Steve Jobs, the saturation of the smartphone market, the ascendance of artificial intelligence and cloud software — has looked certain to do it in.

But this year, as it begins to roll out a new set of iPhones, the story line surrounding Apple has improbably shifted. In an era of growing skepticism about the tech industry’s impact on society, Apple’s business model is turning out to be its most lasting advantage.

Because Apple makes money by selling phones rather than advertising, it has been able to hold itself up as a guardian against a variety of digital plagues: a defender of your privacy, an agitator against misinformation and propaganda, and even a plausible warrior against tech addiction, a problem enabled by the very irresistibility of its own devices.

Though it is already more profitable than any of its rivals, Apple appears likely to emerge even stronger from tech’s season of crisis. In the long run, its growing strength could profoundly alter the industry.

For years, start-ups aiming for consumer audiences modeled themselves on Google and Facebook, offering innovations to the masses at rock-bottom prices, if not for free. But there are limits to the free-lunch model.

If Apple’s more deliberate business becomes the widely followed norm, we could see an industry that is more careful about tech’s dangers and excesses. It could also be one that is more exclusive, where the wealthy get the best innovations and the poor bear more of the risks.

“Because of Apple’s business model — because their money comes from their profitable hardware — it has been much easier for them to make certain choices and certain arguments about how to address problems in the industry,” said Carolina Milanesi, an analyst at Creative Strategies, a technology research firm.

The thrust of Apple’s message is simple: Paying directly for technology is the best way to ensure your digital safety, and every fresh danger uncovered online is another reason to invest in the Apple way of life.

These aren’t new arguments for Apple. While Google and Facebook pursued globe-spanning scale by offering free or cheap services supported by ads, Timothy D. Cook, Apple’s chief executive, was warning of the risks of an internet advertising market run amok.

“I’m speaking to you from Silicon Valley, where some of the most prominent and successful companies have built their businesses by lulling their customers into complacency about their personal information,” he told an audience in 2015.

To many, including yours truly, Mr. Cook’s arguments sounded alarmist and self-serving. But after two years of scandal, he sounds farsighted.

Though their businesses keep chugging along, Facebook and Google, the world’s biggest internet ad companies, now face global scrutiny for the spread of disinformation, propaganda and what critics say is their products’ destabilizing effects on politics and society.

Amazon is beloved by customers, but its rapid growth has spurred economywide anxieties about the future of jobs. All three behemoths are considered growing targets for antitrust prosecution in the United States and elsewhere.

Apple’s business model, by contrast, insulates it from most of the tech fears that have emerged in the last few years. Although it makes the vast majority of the profits in the global smartphone business, Apple’s phones account for a minority of sales, blunting fears of monopoly.

Apple’s high prices also set up an expectation of safety, giving it a freer hand to police online properties like its app store, podcast directory and news app. A decade ago, when Mr. Jobs imposed rules on the iOS App Store banning scammy and pornographic apps, he was called a prude. Now his rules seem prescient.

Apple is hiring actual human journalists to build a subscription news service that could stand in contrast to the reckless news environment on social networks.

Its commitment to curating online experiences has also turned Apple into something like a moral arbiter for tech. When Apple decided to bar the right-wing conspiracist Alex Jones from its services this summer, it cut through much of the hand-wringing in the industry over Mr. Jones’s antics. Many other tech companies immediately followed its move.

Apple has not entirely escaped criticism in the Trump era. Its reliance on China, where it makes its products and expects to see much of its growth, and where its products abide by government censors, looks to be a rising liability.

Even when Apple’s products have been directly implicated in tech worries, its business model has helped it weather the storm. Consider the rising fears of “tech addiction,” the idea that kids and adults are spending too much mindless time in the digital world, egged on by tech companies’ insatiable need for our eyeballs.

In January, a pair of large Apple investors, Jana Partners and the California State Teachers’ Retirement System, wrote an open letter to Apple urging the company to address the issue. Charles Penner, a partner at Jana, told me that the campaign had targeted Apple because the company had every reason to respond.

“The biggest source of strength that Apple has is their ability to charge premium prices for their products,” he said. “Their value depends on people feeling safe and supported within their ecosystem.”

And, in fact, Apple responded. The company told the investors that it believed the overuse of tech was a serious issue, and that it had been working on it. In the summer, it unveiled a series of widely praised features meant to allow adults to police their own and their kids’ smartphone habits.

Google, apparently spurred by the same campaign, offered similar features for its Android phones. Mr. Penner told me that he appreciated the companies’ efforts, though he expects to keep pushing them to reduce their devices’ addictiveness.

Apple’s safety-first business model may become only more important as technology becomes even more intimate. The company’s latest phones can be unlocked with your face, while its watch includes sophisticated sensors to monitor your movements and your health. In pushing these and other advances, the company can reasonably argue that only its ad-free business can protect such sensitive information.

But it is worth noting that Apple’s model isn’t available to everyone. In the spring, after Mr. Cook took a few swipes at Facebook’s scandals, Mark Zuckerberg, Facebook’s chief executive, pointed out the inherent limits in Apple’s model.

“The reality here is that if you want to build a service that helps connect everyone in the world, then there are a lot of people who can’t afford to pay,” Mr. Zuckerberg told the journalist Ezra Klein.

Since then, Apple has raised the prices of its top-end phones, and as the smartphone market slows, the company’s pristine haven from the dangers of online life might get only more expensive.

Inequality is the story of our age, and it’s no surprise that it could become the dominant story line of tech, too. As the digital world gets scarier, Apple’s technology may come to resemble a high-priced oasis for the world’s rich. Everyone else takes their chances on a free lunch.

Follow Farhad Manjoo on Twitter: @fmanjoo

Business news Inspirational

21 best quotes from Strive Masiyiwa

Strive Masiyiwa

1. If you are working or you are running a business you have to set aside time and money to invest in your continued formal education and skills acquisition.

2. Seeing the business side, is being business minded, you can train yourself to be business minded.

3. You can only find opportunities if you are looking for them.

4. You have to be very methodical in breaking down, the reason why something is successful. Most often it is not as simple as it looks.

5. Attitude sets the altitude.

6. Every game, has its own rules, and its own language… Learn the rules, and language of the money game!

7. Planning is important, for whatever you do, whether it is for profit, or not for profit.

8. As you set about your enterprise, you must always consider the consequences of your actions. Don’t just rush headlong into doing something; hoping it will work out, just the way you want it. There are many people who have caused suffering to themselves, or to their families, simply because they took on an opponent, who was bigger, and better resourced, or better skilled than themselves; without proper planning.

9. The moment I see a problem, I immediately begin to think about the opportunities that can be created by trying to solve it.

10. God will do nothing except you pray; and you have to be clear what you want.

11. No matter what business you are in, and no matter how small or mundane, the activities, there must be continuous investment in it.

12. Whether you’re a farmer, builder or engineer, the opportunities are equal: Just add a little innovation.

13. Keeping proper, written records, is key to your success… Keep the records safe, and always have copies”

14. A vision on its own is not enough. Hard work & dedication is required to make that vision a reality.

15. Attitude determines your altitude, if you have a bad attitude, even if you are way up there, you will come crashing down, and if you are still trying to take off, a bad attitude, will keep you on the ground, revving your engines but going nowhere.

16. Integrity is better capital than money. You can accumulate it just like money, and you can use it just like money, but it goes further, and is enduring.

17. Sitting down that afternoon, with a borrowed copy of the New International Version Bible, I sat down to read the bible for the very first time, in my life…….. I just read, and read, and read…Often, I would read the whole day, and the whole night… Finally I finished it after about three weeks.

18. Always seek to get deeper understanding of an issue first. Never accept that anything is as simple as it looks, in fact when something looks really simple, then you should approach it with caution, particularly if you have never done it before.

19. The bible teaches us that every one of us is a unique individual, an absolute original. For the greatness in you to emerge, you have to become yourself, first. You will never achieve this by impersonating someone else on Twitter or Facebook, no matter how great you think they are.

20. I started in business when I was 25 years old, with only $75, pooled between myself and a friend. We went around the suburbs fixing broken lights, and gates. We invested every cent, into doing bigger and bigger projects. For me, nothing has really changed in terms of those basic principles: you start with what you have, you do what you can, you invest what you get, so that you can do bigger and bigger things.

21. My favourite business book is the bible. If you study the bible with a view to extracting principles on how to set up, and manage a business effectively, you will be absolutely amazed; it has everything.

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Early Life Story Of The Most Successful Business Investor In The World


Warren Buffett

Buffett was born in 1930 in Omaha, Nebraska, of distant French Huguenot descent. He was the second of three children and the only son of Leila (née Stahl) and Congressman Howard Buffett, Buffett began his education at Rose Hill Elementary School. In 1942, his father was elected to the first of four terms in the United States Congress, and after moving with his family to Washington, D.C., Warren finished elementary school, attended Alice Deal Junior High School and graduated from Woodrow Wilson High School in 1947, where his senior yearbook picture reads: “likes math; a future stockbroker.”

Buffett displayed an interest in business and investing at a young age. One of his first business ventures, Buffett sold chewing gum, Coca-Cola bottles, or weekly magazines door to door. He worked in his grandfather’s grocery store. While still in high school, he made money delivering newspapers, selling golf balls and stamps, and detailing cars, among other means. On his first income tax return in 1944, Buffett took a $35 deduction for the use of his bicycle and watch on his paper route. In 1945, as a high school sophomore, Buffett and a friend spent $25 to purchase a used pinball machine, which they placed in the local barber shop. Within months, they owned several machines in 3 different barber shops across Omaha. The business was sold later in the year for $1,200 to a war veteran.

Buffett’s interest in the stock market and investing dated to schoolboy days he spent in the customers’ lounge of a regional stock brokerage near his father’s own brokerage office. On a trip to New York City at age ten, he made a point to visit the New York Stock Exchange. At 11, he bought three shares of Cities Service Preferred for himself, and three for his sister Doris Buffett (founder of The Sunshine Lady Foundation). At the age of 15, Warren made more than $175 monthly delivering Washington Post newspapers. In high school, he invested in a business owned by his father and bought a 40-acre farm worked by a tenant farmer. He bought the land when he was 14 years old with $1,200 of his savings. By the time he finished college, Buffett had accumulated a princely sum of more than $90,000 in savings measured in 2009 dollars.

In 1947, Buffett entered the Wharton School of the University of Pennsylvania. He would have preferred to focus on his business ventures; however, he enrolled due to pressure from his father.  Warren studied there for two years and joined the Alpha Sigma Phi fraternity. He then transferred to the University of Nebraska–Lincoln where at nineteen, he graduated with a Bachelor of Science in Business Administration. After being rejected by Harvard Business School, Buffett enrolled at Columbia Business School upon learning that Benjamin Graham taught there. He earned a Master of Science in Economics from Columbia in 1951. Buffett also attended the New York Institute of Finance.

The basic ideas of investing are to look at stocks as business, use the market’s fluctuations to your advantage, and seek a margin of safety. That’s what Ben Graham taught us. 

By 1950, at 20, Buffett had made and saved $9,800 (over $96,000 inflation adjusted for the 2014 USD). In April 1952, Buffett discovered that Graham was on the board of GEICO insurance. Taking a train to Washington, D.C. on a Saturday, he knocked on the door of GEICO’s headquarters until a janitor admitted him. There he met Lorer Davidson, Geico’s Vice President, and the two discussed the insurance business for hours. Davidson would eventually become Buffett’s lifelong friend and a lasting influence, and would later recall that he found Buffett to be an “extraordinary man” after only fifteen minutes. Buffett wanted to work on Wall Street; however, both his father and Ben Graham urged him not to. He offered to work for Graham for free, but Graham refused.

Buffett returned to Omaha and worked as a stockbroker while taking a Dale Carnegie public speaking course. Using what he learned, he felt confident enough to teach an “Investment Principles” night class at University of Nebraska-Omaha. The average age of his students was more than twice his own. During this time he also purchased a Sinclair Texaco gas station as a side investment. However, this was not successful.

In 1952, Buffett married Susan Thompson at Dundee Presbyterian Church. The next year they had their first child, Susan Alice. In 1954, Buffett accepted a job at Benjamin Graham‘s partnership. His starting salary was $12,000 a year (approximately $105,000 inflation adjusted for the 2012 USD). There he worked closely with Walter Schloss. Graham was a tough boss. He was adamant that stocks provide a wide margin of safety after weighting the trade-off between their price and their intrinsic value. The argument made sense to Buffett but he questioned whether the criteria were too stringent and caused the company to miss out on big winners that had other appealing features. That same year the Buffetts had their second child, Howard Graham. In 1956, Benjamin Graham retired and closed his partnership. At this time Buffett’s personal savings were over $174,000 ($1.47 million 2012 USD) and he started Buffett Partnership Ltd..

Buffett’s home in Omaha

In 1957, Buffett operated three partnerships. He purchased a five-bedroom stucco house in Omaha, where he still lives, for $31,500.

— Warren Buffett

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The Myth of Treating People Fairly and EquallyBy Jeff Mowatt

I’ll just come right-out and say it. I believe that treating customers fairly and equally is a mistake. It’s unprofitable. It belittles customers and employees. And it’s unethical. There, I’ve said it.
Certainly, we should treat people fairly – but not equally. I’m not advocating some Orwellian decree that ‘some animals are more equal than others’. This has nothing to do with a customer’s value as a person. It has to do with bending so-called ‘rules’ to give exceptional customers the kind of unique service they deserve.
In my many years working as a consultant and trainer with dozens of companies and bureaucracies, it’s unfortunate that I continue to encounter employees who buy-in to the myth of the virtue of treating all customers equally. If this is the case in your organization, consider this scenario…
Imagine that as part of your daily routine, you stop into your local convenience store to buy a coffee and newspaper. The store employees know you by sight. One day you find yourself needing to change a $100 bill. You stop in, pick up a couple of items and pay for them with the hundred. The store has a policy that they don’t accept hundreds, so the cashier simply refuses you. You are fully aware that they make more than that much change every 15 minutes. You also know that when added-up, you’ve given them hundreds if not thousands of dollars worth of business over the years. Yet they refuse to grant you this slight favor. How’s your customer loyalty now?
Refusing your $100 bill would have been an incredibly bad decision on the part of the cashier as well as the management who created the ‘rule’ that permits no exceptions for the store’s best customers. The problem is that by definition a ‘rule’ treats everyone equally – whether it’s fair or not.
What if we treated our children this way?
Imagine the consequences of a parent treating their six-year-old and seventeen-year-old equally. That would mean telling the younger child, “Make sure you are home from grade one by midnight!” Most people appreciate that it makes sense to treat children fairly. It would, however, be a mistake to treat them all equally, and apply the same rules regardless of their ages. That’s more than just a mistake; we might even call it immoral.
We already discriminate in the workplace
There’s a certain irony to taking this approach to the workplace. The same individuals who assume that all customers should be treated equally, often have no objection whatsoever to the organization offering preferential parking and restroom facilities to customers with disabilities. Yet, that’s a blatant example of treating customers fairly but not equally. I don’t know of anyone who objects to organizations giving better parking spots to the disabled. Yet, every day we hear employees using inane statements like, “If I did that for you, I’d have to do it for everyone.” The challenge for business owners and managers is providing the kind of training and authority that front-line employees need, so that they will make more appropriate on-the-spot decisions for customers.
The truth about word-of-mouth
“What happens when customers talk to each other?” That’s one of the most common concerns I hear from employees in my training sessions where we address this subject. They are afraid that if they accommodate one customer’s special request, then that customer will talk to other customers, and the employee will be pressured to do the same for everyone, which, of course, they can’t do. In other words, they’re going to have a lot of unhappy people out there if they accommodate special requests. This is the kind of convoluted logic that stems from the underlying belief in treating everyone equally (not necessarily fairly). Another way of putting it is: I’m afraid that if I provide an extra service for one customer (because we made an error or the customer does a lot of business with us), then I’m going to disappoint other customers whose circumstances don’t warrant the extra service. So to avoid disappointing some people, we’ll just make a rule that no one gets special treatment. That way, we’ll just disappoint everyone, including customers whose unique situation deserves extra service.
Customers understand the concept of fairness. If I’ve never been to a particular convenience store and suddenly walk in just to change a hundred-dollar bill, I’m not likely to get outraged when the employee explains that they don’t have enough change on hand so they can’t help me. If, on the other hand, I’m doing business there every day, I’m more likely to be upset ifmy store won’t make change for me when I know they make that much change every fifteen minutes. If they do make an exception for me because I’m a good customer, I’m not going to rush out, phone all my friends, and tell them, “Hey, my convenience store made change for me, and they don’t usually accept hundreds!” Customers rarely go out of their way to talk about good service. The occasion when customers share information about a business is when the service is bad. Bottom line: employees needn’t worry about possible negative ramifications of taking extra care of good customers. What they should be far more concerned about is the negative impact of treating all customers the same.