The Life You Always Wanted - The Secret by Lance Spicer

Pdf Version : www.tridentpress.com.au/files/TheSecret.pdf

What’s "The Big Secret"?……. The Secret the rich know - the Secret that has given them Wealth, Power and Freedom. The Secret you just wished you had……… How to make money, create wealth and do it all before you “run out of time”.

Easier said than done?

Not really.

Easy for me to say?

Again, not really. I’m the same as everybody else. I left school after a fairly “ordinary” result at high school (spent a lot of time at the beach when I should have been in class). In my late teens, I was kind of like a rudderless ship, I was afloat, but I was drifting, and what’s more I really wasn’t that interested in where I was going. I had worked pumping petrol, in a supermarket and pulling wrecked cars to pieces at a wrecking yard as part time jobs when I was at school. It was a very unspectacular start to my “career”.

However, what I did have was a very unsympathetic stepfather, who was quite mean spirited and had almost no interest in what I did or what I was going to do with my life…. This helped me, believe it or not. This man was one of those guys who was not only “tight” with his money - he was also hopeless with it. As I was growing up, I observed, as the family went from financial crisis to crisis, as my step father tried to get rich quickly by using and abusing people in business. He was merciless. He ripped off his best friends, clients and even family…. Yes, even I gave him money. I soon learned “How not to do it!” One of my stepbrothers died in mysterious circumstances and his father even refused to pay for the funeral. Get the picture with this guy?

You can guess how it all ended for him…… He’s now broke, divorced, bitter and full of angst! Well-deserved, I say. He had no idea at all about The Secret….. zero!

You see, I knew a lot about my stepfather. I knew I didn’t like him. I knew my mother didn’t like him. I knew everybody disliked him…. and I definitely knew nobody trusted him. I also understood as early as 16, the reasons why.

The only thing that I knew about myself was I was going to be his opposite…. His nemesis! Yes, I wanted to be everything he wasn’t. I wanted to be generous and caring with my son (when I had one, which I now have and am very proud!) and family. I wanted friends and colleagues to respect me and possibly even like me. I wanted to go through life doing the right thing, treating people fairly in my business and personal life. I wanted to be successful….. regardless of what I was doing.

Never again would I suffer the feeling of helplessness and anxiety of seeing a “Mortgagee Sale” sign on the house I called my home. What’s more I never wanted to do this to my family. I wasn’t sure what I was going to do with my life in my late teens, but I knew deep down I was going to be “ok.” I had great training on how not to do it. All I had to do was the opposite of what my stepfather did.

When I applied for my first “real” job, not long after leaving school (at 18), it was working for a huge property development and real estate company. My first boss was a very kind, generous man who was very open to giving some “western suburbs kid” a break…. I was that kid. I started as a very junior clerk, but the idea was for me to obtain a diploma in accounting at night and build a career as an accountant within this organisation by day.

Well, I listened, observed and worked hard. I went to college part time and was given promotions. My first boss was the opposite of my stepfather. He showed me how to do it. My confidence improved and luck seemed to follow me…. It’s funny, when you work hard and do the right thing, luck is never very far away… funny that!

I left that company 6 years later as the Chief Accountant. I loved my job, but it was time to move on. I was 24 years old and there was nowhere further for me to go, as I was so young to have achieved what I had. I knew at that time I would always be able to “back myself”. I knew that “Mortgagee Sale” sign would never be on my house.

My life has had its ups and downs, as has my career, but most of it up, I’m happy to say. When things have gone wrong, I have had the faith in myself to “fix it”. An unshakeable belief that if I do the right thing, stick to the path, work hard, work smart…… and always, always treat people with the respect that I would like to be treated with…. then life will work out just fine.

The Secret? It can be many things, but there is “one thing” that makes the difference…..

As any successful (and probably rich) person will tell you……. the first thing you MUST have is confidence in your ability to succeed. Without this, your journey to wealth and freedom will be a difficult, if not an impossible one. You’ve heard it all before - As You Think, So You Shall Be. It’s true. How you think, what you believe, will be your reality. If you say to yourself that you will never be rich, then you won’t be. You are not “backing yourself”.

Also, don’t think for a minute getting rich and having freedom is all about taking away someone else’s wealth and freedom…… it’s not! It’s about giving them wealth and freedom! Here’s another cliché for you. You can attract more flies with honey than you can vinegar. My stepfather had obviously never heard that one. This man was pure vinegar all the time.

By helping others and helping them to achieve what they want, you’ll achieve this for yourself too. Think about this. Think of all the successful billionaires (who didn’t inherit wealth) in the world today. They are all self made, and how did they do it? By giving people what they wanted! …. The key word here is “Giving”. Yes, you probably guessed, I believe in Karma. Here comes another cliché  - What goes around, comes around….. What you sow is what you reap…. all that sort of stuff. Sounds corny, I know, but I believe it to be true!

One of things I have learned about wealth, is the more you focus on just the money, rather than the things that make the money, the less likely you are to succeed in this life.

I know so many people who are just “in it” for the next hit of money. They have lost the plot about what the money represents. The money does not represent greed or what YOU can do with it….. No! It represents people’s appreciation of your efforts. That’s what it really means. It is the thing that occurs when you have done the right thing…. It’s the last event in a chain of events that has lead to someone paying you. So many people focus on the last event, and not what got you there.

What ever you do in life, regardless of what it is, you should enjoy doing it. In fact you should love it. Without passion about what you do, you’ll never be successful. Look at every success in this world…. Notice they all have passion and a devotion to what they do. This comes first then the money “naturally” follows them. These people try to be the best they can be. They try to provide the best service, the best product or whatever it is that they do. The money comes as a result of this. Wealth is created by passionate people who love what they do. Wealth also comes in many forms, not just money, it comes in happiness, health and internal harmony. Love what you do and all these things will come as well.

So, why aren’t there more wealthy people? Why are there so few of them? Just 2% of the population could be regarded as “wealthy”. The answer is simple. They don’t know, understand or refuse to accept The Secret. Passion for what you do. That’s The Secret.

Passion. It could be termed another way possibly…. Enthusiasm? I think so. Passion or Enthusiasm are the keys to success in every aspect of your life, not just money….. everything. It’s that seminal “additive” that makes winners stand above losers. It’s the spirit that breeds success.

I have noticed it’s a common trait amongst ALL successful people regardless of how you judge them. Think about who you regard as “successful”. They have Passion and Enthusiasm for the very thing that makes them successful in your eyes right? You bet I’m right. In fact there is probably not a case in the history of the world where a “success” has not been Passionate and Enthusiastic about the thing that made them the success they became. All too obvious? Maybe….. but why aren’t there more successes? Why aren’t we all successful, if it was this easy?

Because it’s not!

Passion and Enthusiasm aren’t instantly handed to everyone on a platter. Sometimes, it’s handed out in limited doses, and sometimes for only a short time. You know the feeling, you start off with Passion and Enthusiasm and then after a while you lose your way…… give up… drop the project…. “Ah, it’ll never work anyway!”…..”That’s it!” – you were wasting your time. This goes back to what I was saying before…. You need to have the confidence and commitment to see things through. That’s why there are so few truly successful people in this world, compared to the rest of the population.

It’s true that, unfortunately, 98% of the population tend to “plod”. Each day passes, looking all a bit the same. Nothing extraordinary ever happens. Now, I’m not saying this is a bad thing, no, not at all. For many people, this is just great and they are happy with their lot and good on them. They have all they need.

Others have a feeling of “lost opportunity”. That feeling of “it never really worked out for me”. These are the people, who really need to understand The Secret. Quite often, as life drags on, they become a little bitter, feel unlucky and have regrets. This is a pity, because they are responsible for their own “failure”.

Sure, circumstances in life come along to challenge all of us. We all have tragedies in our lives. It’s how we handle these tragedies and mishaps, which define our future. Do we pick ourselves up, dust ourselves off and get on with it and once again take a positive attitude back into the world or do we slip into a mire of our self-pity and negativity? It’s your choice! But let me give you a tip…. The second option will never, ever bring you what you really want. The first will.

So many people want wealth (and that which goes with it) without “putting in”. The “easy way” will never bring long term results. Oh sure, you might do ok for a while by taking short cuts, doing things in a mediocre way, but if you want it “all”, you have to put in. Passion for everything you do, doing the right thing and being the best you can be, regardless of what you do.

However, there is one thing you must understand about The Secret - you have to love what you do. You’ll never have passion without really enjoying what you do. If you are in a job you hate, you should consider a change.

Everybody is capable of change, if they really want it. But they have to want it. To “reinvent” yourself, start a new career, start a small business is never easy and it’s fraught with “danger”, and some people just can’t do it. I understand that, but by the same token, if that is the case, they have to accept that maybe their dreams may not be fulfilled.

However, for those people who can “back themselves” and have the confidence to give it a go and have the passion that I’m speaking of…… then give it a try. I did, and it worked, but I knew deep down that it was never going to fail. Failure was never an option…. Enthusiasm, Confidence and Passion saw to that.

In 1994, I was working as the Financial Controller for a very large listed company, working up to 16 hours a day, sometimes 6 and 7 days a week. While I liked my job, it was wearing me out, on several levels. Family life was almost non-existent, holidays were hard to come by….. life just wasn’t a lot of fun at times. My life was out of balance. I knew I could do better!

I decided to leave and head into an uncertain future, but I had confidence in myself. I wanted to get involved in trading shares for a living, something I had always had a passion for. I had some money put away, and decided to use this cash as my “bank” to get started. I just loved it, still do.

At the same time I came up with the idea of Trident Press. Trading and writing/publishing work extremely well together for me and are two things I am very passionate about. Now, I have my life in “balance”, but it wasn’t a natural event as it is for some people. It took work, time and patience - all the things that make good investors.

So, lets think about what we’ve discovered about The Secret.

We know all successful people have Passion and Enthusiasm, regardless of what they are successful in.

To back up these vital ingredients you need:

·        Confidence in your ability to succeed.

·        Be willing to work hard and learn.

·        Be generous and caring

·        Understand what people want and be willing to give it to them.

This is The Secret to success in life - simple as that. This is not just my opinion - this is fact. Look at all the successful people in the world today, not just the rich ones, (but they usually are) and leaving out people who inherited money, their money comes from somebody described above.

The two richest men in the world are perfect examples of what I’m talking about - Bill Gates of Microsoft and Warren Buffett, the world’s richest investor. Both men have just recently decided to give most of their money away to charity now they have made over a $ 100 Billion between them. They are worth more than some countries!

Apply The Secret to your life and you’ll be successful…. I guarantee it.

Now, for a dose of reality.

While you may accept all I’ve said…. You just don’t have the energy or inclination to “start your life over again”. Or you simply don’t know where to start.

If you are in this situation, you probably have very little Passion or Enthusiasm in your life. If this is you, then you need to have a good hard look at your life and what you’re doing and ask yourself, “How can I achieve a better outcome in my life?”

Write down the things that are wrong with your life, the things you don’t like etc as a list on the left side of a sheet of paper. It might be a job you hate, that you don’t have any money, all your investments go bad, there may be personal issues with people, marriage problems…. Get every single thing that is wrong with your life down on paper.

Now, get a second piece of paper and write down on the left side everything you dreamed of for your life. You know your dreams and aspirations (even the ones you had when you were young and had Passion and Enthusiasm, remember?). Write them all down.

Now, think.

Have you noticed the things wrong have a direct and opposite link to the dreams and aspirations for your life. Your real problem in life is that you hate your job and your dream was run your own company or do something else… see what I mean? For example, you may have financial worries, but your dream was to be rich and not have this worry. They are all linked. What went wrong? Passion, Enthusiasm, Confidence, Generosity, Understanding, Learning, Working Hard, Giving…. Could at some stage some of these have been missing from your mission in life?

Go back to the first page, the one with the problems. Write down the simplest solution (a sensible and constructive one) that can be applied to each problem. Here are some common examples that will be on many people’s lists:

Problem: Money problems            

Solution: Learn how to get my finances under control!

Problem: Worried about retirement – not enough money put away.

Solution: Get some great investments and get my money working fast! 

Problem: I hate my job         

Solution: Examine career options and maybe consider my own business doing what I always wanted to do!

Once you have worked out simple solutions (or fixes) to your problems go on to the second piece of paper, the one with your dreams and aspirations on it and look at your list.

Now, think about what you can do to make each one of those things happen in your life. What positive changes can you make to have these things happen……. Funnily enough you’ll probably have just found that when you solved all your problems on the first page, you just found solutions for everything on the second. Your dreams just become possible! Magic? No, a possible reality! Remember, your problems and dreams are linked with a common solution.

Quite often, solve a problem and a dream will come true. You just need Passion, Enthusiasm, Confidence, Generosity, Understanding, Learning, Working Hard and Giving.

There you have it…… The Secret…. Or Secrets as the case maybe.

In a perfect world, everyone should apply “The Secret” to their lives, but this is not always possible…. In fact, based on the fact that maybe only 1% of the population actually understand and apply it to their lives, it would seem unreasonable for the remaining 99% to get up to speed with this right away. So, putting this to one side as possibly a “work-in-progress”, how can you improve the wealth situation in your life? And let’s be honest, in most cases many of our problems are money or wealth related. I know, I know, money can’t bring you happiness ….. but I’d rather be miserable and rich than miserable and poor!

So, I’d thought I’d just go step by step through how to get Wealth and Money off both lists…. It will no longer be a problem…… and it will no longer be a dream, but a reality!

You Need To Get Control Of Your Money

Getting control of your money is about spending less than you earn and using the difference to fund savings and investments. 

You should aim to spend less than you earn each and every month. If you already do this, you're well on your way to gaining control of your money - you just need to get the money you're not spending to start earning an investment return. Do this by paying yourself first: set up a direct debit into a savings account just after pay day and put that money to work right away so you don't get tempted to spend it elsewhere.

If you don't spend less than you earn, don't worry. Most of us need a little help getting control of our money. In fact, those of us who barely make it from one pay day to the next need to start with basics: Budgeting.

Budgeting is neither as scary nor onerous as it sounds. To start, make a list of your regular bills and how much they cost you each month. This should give you a good idea of your main areas of expenditure. If you're not sure where your money's going, keep a spending diary: for one month, make a note of everything you spend, even if it's for a chocolate bar or a newspaper, write it all down. You’ll be shocked at how much money you spend on “incidentals”.

Once you know your expenses, it's time to start trimming them. Often there's no need to cut back on the things you enjoy, but rather to get better value for money for the stuff you have to get anyway. If you're spending far in excess of your income (welcome to credit card debt), you will need to take more drastic steps, but for most of people, a trim should just about  do it.

Start trimming your expenses by reducing one major bill each month, prioritising the bills you pay on a regular basis, as with these, one phone call could lead to sustained savings. Most people can save hundreds of dollars, if not more, just by making a couple of switches. You shouldn't have to look too hard, either. I know I changed from one telephone company to another and my monthly bill almost halved! The same applied to electricity.

Getting control and keeping control are different things, and there's no guarantee you won't fall off the straight and narrow at least once. When this happens, understand where you made the mistake, by using your budget and give it another go. Eventually it will work, and you’ll have a surplus of funds to invest each month. It does take continued commitment and effort on your part to stick to your original plan, but the benefits will far outweigh the tiny, insignificant everyday sacrifices.

If you’d like to know more about all my little tricks at getting money management totally under control, I suggest your read my book Financial Crisis! It will give you every trick in the book as to how to turn your financial situation around if you’re in a bit of strife.

Click Here to find out more about Getting Your Finances Under Control

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Learn How To Invest

After you get you money under control, surprise, surprise you’ll probably have some money to invest. Well, it’s not hard. It’s best to start off simple, but the bank is not the answer. That is for the majority of people who will end up on some form of social security, but not for us. Basically there are two classes of growth investments, Property and Equities. This is where we should focus our attention. If you are in great financial shape after getting your money under control and can afford it, I would suggest getting involved in both investment property and equities (shares and managed funds).

However, if you are starting off small – do it with shares or a managed fund. However, before doing anything, you should understand what you are getting yourself involved in.

Shares (or stocks as they are sometimes known) are small pieces of a company’s ownership. They give you an entitlement (albeit small) to the company’s profits (earnings) and also to it’s net assets (what it owns less what it owes) in proportion to the percentage of the company you own. You may already know all that stuff, but it is important.

Funds, of course, are just when people put all their money together with a manager who invests on their behalf using their investing expertise.

Knowing how they do this and what strategies work is all important. If you don’t know this, it would be like being given a key, but never being shown what a door looks like. Pretty useless.

It’s essential to understand how to invest and how the process works. Abdicating responsibility in one of the most important aspects of your life is foolhardy - to say the least. Show some Passion and Enthusiasm for Investing and you’ll be well rewarded for your time. I can’t stress this enough. A little time now, will amount to a mountain of cash later. There is no better investment than learning how to invest.

You can read my about my strategies and how I select investments (and how you can too) in these two books. They are the result of around 20 years of hard work and research and if you follow the strategies I explain, I have no doubt your results will be pretty much the same as mine.

Click here to find out more about Smart Investing Strategies

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Finding The Best Returns and Best Investments

The biggest mistake and one of the biggest impediments to building your wealth is investing in the wrong place.

Now, some of you may think - “Isn’t getting rich all about making a few great investments, making a mountain of money and chucking in your job forever?” Well, partly I suppose, but it rarely works out that way for people. You see first off, having the money to invest in the first place is what it’s all about.

Having learned The Secret and having your finances under control, you’ll be a position to “capitalise”. Too many people, skip the most important parts and scrabble together a few thousand and expect that they can find some “hot tip” investment that will turn everything around and make them happy….. it won’t happen.

I get emails every week from people wanting to know whether this “investment” or that “opportunity” is any good? They are all invariably what I call “investments of last resort”. Quite often they are scams, incredibly risky and almost always losing equations. The “desperate” throw their money into these online scams that promise 1% to 5% per day! They may as well flush their money down the toilet!

What they are looking to do is the same as building a house without foundations. The whole thing will come crashing down because the most vital part of the house was not built properly.

The same applies to becoming wealthy. You need to get your head right, your money under control and then look for great investments - that make sense! Not crazy stuff that some dodgy, fast talking “snake oil” salesman gets you involved in.

I’m sorry to say, there is no easy way to do this. You have to build your wealth in a sensible and methodical way. Think about every single wealthy person you know or have heard about. Did they make their money by winning Lotto, or some weird investment that returned them 10,000%pa. No, they won’t be overnight successes - it took them time and hard work. Most had to go through years of mistakes, lost opportunities and mishaps to become as “lucky” as they are now.

The purpose of this ebook, is to give you a head start, or point you in the right direction, so maybe you don’t have to spend years making the same mistakes I and others have made.

This is Step 3, not Step 1. Finding the right investments without getting the other things right is like building that house without it’s foundations.

When I started investing, I listened to my broker and he had me jumping into this and that, spending a fortune on brokerage (maybe he wasn’t so silly after all?) and at the end of the day I made ….. zip, nada, zero, nothing!

All his recommendations were more like “flavour of the month” investments that would soon turn sour once the “month” was over. It seemed all they did was go down, and when I enquired “why?”, I was promptly told to dump them and get into this new recommendation.

How does this work? Woody Allen once said, “A stockbroker is a person who invests your money until it’s all gone!” I think he was right.

I only started making money when I knew what I was investing in and I understood why I invested in the first place. I knew what the investment did, whether it was a fund or a company on the stock market. I had an understanding of what was going on. Once I did this I stopped losing money! In fact, I started making money.

I used my accounting skills to really analyse each investment thoroughly and my return just seemed to improve all the time. But the thing that really turned it around for me, was “trusting me” as the best “investment adviser” I knew. Self education in these matters can’t be emphasised enough. Learning how to invest in the most important lesson you can teach yourself.

In my late 20’s, I read just about every investment book and magazine I could get my hands on. Over time, I formulated strategies and methods that worked (i.e. made money). By using the methods of successful investors (Buffett, Lynch, Graham and others), I discovered that making money on the markets is not as daunting as I first thought. Now, I just love it.

Not just the making money bit, but researching, due diligence, watching market reactions etc. While it night not be everybody’s “cup of tea”, it’s something I’m passionate about, and therefore good at. This is what I mean - about loving what you do, it ensures you are the best you can be.

You can read about some of the best investments in the world today in my books, High Yield Investments 1 & 2, as well as The Best Investments in the World. They include over 150 of the best investment opportunities that you are ever likely to come across. They range from around 25%pa up to well over 100%pa, and they are all legitimate with great records of success.

I have already done a lot of the hard work for you, as far as solid background research and financial analysis on these companies. Why not take advantage of that?

Click here to find out more about the World's Best Investments   www.tridentpress.com.au/category44_1.htm

One of the things I learned very early on, was the rate of return had a huge impact on wealth. Investing and being invested was not enough on it’s own. You also had to maximise returns as well. Just look at the table below that illustrates my point.

This table tells us two things, time invested is very important and that the rate of return will make all the difference. Always invest for the greatest growth!

Think about this. Can you afford not to consider investing in the best investments you can find?

Minimise Tax

Late Australian Billionaire, Kerry Packer once said, “If you pay more tax than you are legally required, you’re a bloody idiot!”

After getting your finances under control, learning how to invest and then investing for the best returns….. it’s time to keep as much as you legally can. This is Step 4 of creating the wealth you deserve.

Is tax really a big issue?

Paying too much tax can be debilitating to your financial prospects… devastating, in fact.

We all know the tremendous effect that compounding has on our investments if left to compound long enough. For example, if you had just $. 2 and you invested it at 100% for 5 years you would have $. 64. You calculate this by simply doubling your money every year - $.2 becomes $. 4, $. 4 becomes $. 8 and so on. Did you know if you kept this up for 20 years you would end up with more than $. 2,000,000? - $. 2,097,152 in fact.

Now, I know it’s unlikely that you could achieve this return over 20 years, but I’m using it to illustrate my point about the effect of tax on your wealth. Now, in our example we didn’t take into account tax, did we?

If we were to invest that same $.2 at 100% pa compound for 20 years, but this time paid tax at the current highest margin of 48.5% each year, do you know how much we would still have? …… $. 8,442…. That’s it! Tax is responsible for taking away the other $ .2 million. Even with such a great return you still managed to miss out on over 2 million dollars because of tax!

To any reasonably intelligent person you would be thinking, “I need to get tax under control”. Reducing tax as much as legally possible is the best possible way of trying to recover some of that 2 million dollars.

For example, if you had invested your $.2 at 100% through a company structure and paid 30% tax, you would have ended up with $. 81,285. Still not 2 million dollars but it is nearly ten times the return you would have received the other way. Just by restructuring yourself tax wise, you can increase your returns almost ten fold. Think about that.

This is just one simple solution….. there are literally hundreds more, that will improve on this result. It really is worth your while to save on tax, legally of course. No use being rich in a jail cell.

There is no doubt the tax system is daunting and confusing and full of contradictions…… gee - not even the Tax Office fully understands their own legislation, what hope have we got? But when you clear away all the “doublespeak”, jargon, “legalese”, contradictions and dust from the tax act, there can be a degree of clarity….

Yes, I’m serious. As an accountant, I have spent my entire professional life “doing battle” with the tax act and have come up with just about every strategy I have found, heard of or devised. It’s all in my latest book, The Tax Solution.

Click Here to Find Out More about Saving a Fortune in Tax

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Asset Protection – More Valuable than you Realise

Once you've got your finances in order, you need to ensure they stay that way. Life can throw any number of unexpected “curve balls” at you, and the value of financial security, in the event that a "what-if" actually happens, cannot be overstated. It's dull, it's depressing, it often feels like spending good money on nothing at all, but it's also the only thing protecting you when fate gets nasty: it's insurance.

J. Paul Getty was once quoted as saying,

“When I go into any business deal, my chief thoughts are on how I’m going to save myself if things go wrong”

This is the essence of asset protection. “When things go wrong” - that is when we need it and value it. It’s of no use, and too late to act when things have already gone wrong. I know from personal experience, that even the people closest to you and the most trustworthy, can turn on you. So, you must protect yourself.

In the US, lawsuits are being filed at the rate of one hundred million cases a year. Many of these suits have nothing to do with right and wrong, but instead, are predicated on the desire of one party to extract wealth from another party. In many cases, this equation is not predicated on the desire to extract real wealth, but on a desire to extract small payments as "nuisance" settlements, because it is cheaper to pay out than to fight the case.

If someone slips and falls in a business, or if a car taps their car's rear end, they react like they just won the lottery. If an armed thug breaks into a home in the dead of night, slips on a child's marbles, and breaks a leg, he can sue and possibly win.

Here are some examples from the US that may frighten you into action:

·        One man strapped a refrigerator on his back and ran in a race. The strap broke and he hurt his back. He sued the strap manufacturer and collected $ 1.3 million.

·        A woman in Texas was awarded US $ .780,000, by a jury after breaking her ankle, tripping over a toddler who was running amok in a furniture store. The owners of the store were very surprised by the verdict, considering the child was in fact the woman’s.

·        A woman was awarded US $ .113,500 after she slipped on a spilt drink in a restaurant and broke her coccyx. Again, surprise, she was the one who had thrown the drink on the floor during an argument with her boyfriend.

If lawsuits continue at the pace they do today, each person in the top 50% of income earners in the US will ultimately be sued five times. Australia, Canada and the UK are catching up too.

One does not have to lose even one of these cases in order to lose their wealth, simply the cost of litigating these issues can be onerous enough. One solicitor told me if it goes to court you’ll be up for $ .50,000 win or lose, minimum.

For many people the threshold issue in asset protection is: do I need it? Many people believe "this won't happen to me, it can't happen to my business, my family is safe, because we don't do anything that's dangerous."

However, you are at risk if you are a person who:

·        Deals with the public

·        Rents properties or you are an owner of a rental property

·        Is a director of a company

·        Is in the medical field

·        Is involved in a “white collar” profession working for yourself

·        Is wealthy

You are talking a great deal of risk and as time goes on your chances of being sued, based on the laws of probability, increase. It’s only a matter of time.

The reality of life is that you don't have to do anything dangerous or negligent; all you really have to do is be in the wrong place at the wrong time. Ordinary people have extraordinary problems. In many cases these problems are not problems of their own doing, they were simply matters of circumstance.

Once a judgment is made against you, you have to tell the court everything, regardless of how unjust the case is. You must tell them what properties you own, about your bank accounts, investments, absolutely everything. They will then place a value on it and then proceed to “re-distribute” your wealth elsewhere. Good isn’t it?

Now, you may say, “I have insurance to cover that!” Do you really? Check your policy, you may be surprised on how much you are not covered for. Also, if the insurance company can prove your negligence for whatever reason, they’ll drop it back in your lap. What you need to do is ensure that it doesn’t get to court and that you have nothing worth taking in the first place.

Now it has all gone wrong and you have found yourself on the wrong end of a court case and you must pay up. You are known as a “judgment debtor”. As such you virtually have no rights, as the winner now owns everything up to the value of the judgment. And heaven help you (the defendant) if you fudge your testimony. If you conceal a safe deposit box with a few goodies in it, you’re committing perjury, a crime that carries mandatory sentencing guidelines. You could end up in jail!

It is all too easy to go around saying it won't happen, but once it happens, it is too late. If money is transferred after an incident or accident - that is concealing assets. This can result in both criminal charges and civil loss of other assets. The law looks at it as stealing the property of the person who is suing, or who may sue. The defendant may think it is his lifetime savings from hard work, but legally he now holds it in trust for the person who has a pending claim.

Presumed knowledge of the possibility of a claim is sufficient to invoke these fraudulent transfer laws. So if somebody moves their money the morning after an “incident”, it is likely to come back to haunt them. The only legally valid protection is to take careful and legal protective steps before there is even a potential claim against a person or his assets.

In Australia, and several other countries it takes two years before your assets are truly protected because during this two years, any transfers can be reversed by the courts…… very scary!

Click Here to Find Out More about Asset Protection

www.tridentpress.com.au/category42_1.htm

How Will It All Turn Out For You?

That’s entirely up to you!

Don’t believe for a minute that you are a victim of your circumstances - you aren’t. You’re a victim of your attitude towards those circumstances. It’s not how life approaches you - it is how you approach life.

Part of what I have been talking about, being generous with others, is the reason for “giving” you this ebook for free. I sincerely, want to pass on the knowledge and information that you need to make your life what you want it to be – a life of dreams becoming reality.

What I can’t give you is the ability to do something with it. That is up to you. As the saying goes – “You can lead a horse to water, but you can’t make it drink” applies here. I have done everything I can to try to help you to make your dreams reality but it is up to you to embrace it and do something with it. So, take it and have that drink!

If you have learned The Secret and adopt Passion, Enthusiasm, Confidence, Generosity, Understanding, Learning, Working Hard and Giving as part of your life…. The rest will fall into place, I assure you.

As I have learnt, Life is One Part Dreams and Aspirations, One Part Pragmatism, One Part Confidence, Three Parts Passion and Enthusiasm and finally Five Parts Effort. With any one of the ingredients missing your life is simply not going to turn out right.

Close your mind, stop learning, refuse to embrace new ideas, view life with skepticism and just do “the minimum”…… you will live a life of disappointment, bitterness and those dreams you had when you were young will never be fulfilled.

Life is way too short! And there is way too much negativity in this world for you to get caught up in it.

Open your mind to possibilities, continue to learn, approach life with Enthusiasm and Passion, Confidence and Happiness and your Dreams can come true. The life you always wanted is right there, all you need to do is to “want it” enough.

All the Best for your Future!

Warm Regards,

Lance Spicer

PS. I have put together a very Special Package of the books that will help you greatly, and at a huge saving. The 8 books I recommend that will help you achieve The Life You Always Wanted can be found by clicking here.