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  • Book Summary: Tax-Free Wealth – How to Build Massive Wealth by Tom Wheelwright

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    I was lucky as a kid to have my father as a business mentor. When the time came and I entered the business world, I could not lean on him as he passed away young. The Rich Dad / Poor dad books were my saving grace when it came to financial education. Several of the concepts I knew about because of my father but the advanced strategies and the “how to” really came from the Rich Dad books. Tom is a Rich Dad advisor.

    Why is this important to me?

    I am not doing this summary to waste your time. It is my vision to provide concise action steps that you can adopt right now to enhance your financial life and career. If you want to continuously improve, you have to be committed to continuous learning. Lever the continuous learning with the right associations and you will succeed in your career.

    The Cash flow quadrant really sums up the essence of financial success. If you focus on the left side of the quadrant then you can make an OK income but if you focus on the right side then you can become rich. Robert Kiyosaki points out in Rich Dad / Poor Dad that the left sides of the quadrant people make money, pay tax and then spend it. On the right side of the quadrant people make money, spend it and then pay their taxes. This is a huge difference and can be the biggest success lever in your financial arsenal.

    Tax-Free Wealth points out 24 Tax Strategies you can use on your way to Tax-Free Wealth. For the sake of time I will point out a few along with some commentary about each.

    1. Rule # 1 – It is your money, not the governments. People tend to run scared when it comes to taxes. Remember that you are the one creating the value and making the business work, be smart and utilize tax strategies to minimize tax and maximize your investment. The key here is tax avoidance NOT tax evasion. Every concept in this book is totally legal and encouraged by the IRS.

    2. Rule # 2 – The Tax Law is written to permanently lower your taxes. All financial plans need a solid foundation. This is why you simply can NOT focus on rate of return only. You can make a huge rate of return but if you can lose it because of a law suit or 50% gets eaten up in taxes then you will lose in the long run. 99% of the tax code is written as incentives to encourage people to start business. The reason the government does this is because businesses create jobs and that is the single biggest economic driver.

    3. Rule # 3 – The fastest way to put money in your pocket is to reduce your taxes. Businesses require investment. That investment is a business expense along with R&D, Travel and other business related expenses. You can combine vacation and work legitimately and write it off as a business expense. If you travel and sell items then go on sales calls in the vacation area. If you are a real-estate investor then travel where you may invest.

    4. 4. Rule # 24 – Build massive passive income through your tax savings. This is the strongest wealth builder in the book because you lever up compound interest, velocity of money and leverage. Utilizing these three vehicles along with investment stacking and you will be rich. The goal is to build your business and make the money there and turn it into passive income and then park the added money into cash flow investments like real estate. You want your money working harder than you do. You do not want to trade hours for dollars. Let me give you an example.

    In our software company there are two ways to build wealth and that is through intellectual property and maintenance agreements. These two things used together will build a company that can be sold for 2-4X revenues. Now to foster that investment with leverage, I use the “Infinite Banking Concept” to lend money to the business through “my own bank.” Now the money the business pays me comes back as investment income which means lower taxes. The new revenue the additional maintenance contracts bring foster new contracts. The next step is to use “good debt” to leverage our coverage and purchase more maintenance contract revenue with our software platform.

    In summary, you make money in your business and hold it in passive income generating assets using good leverage, velocity of money and compound interest.

    Tax-Free Wealth is a great resource that I encourage you to read. If you immerse yourself in these concepts, financial security and true wealth can be yours.

    I hope you have found this short summary useful. The key to any new idea is to work it into your daily routine until it becomes habit. Habits form in as little as 21 days. One thing you can take away from this book is lever your financial education. If you take control of your education and schedule 30 minutes per day dedicated to this then you will reap results. You cannot put your financial future in the hands of somebody else. Take on the responsibility and good things will happen.

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    Source by Joe Mosed

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  • Importance of MVRs and Drug Screening

    Importance of MVRs and Drug Screening

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    Why an MVR Check is Important

    Employee driving records can greatly help employers identify and mitigate risk liability in the workplace. Driving Records can help employers avoid risk of third party lawsuits, medical bills, and other costs associated with automobile accidents by an employee whose primary role or even incidental role includes driving on the job.

    An MVR check includes include license details such as state issued, status, expiration, suspensions, revocations, violations and sanctions. MVR Reports are easy to read and include standardized ACD violation codes.

    MVR Driving History mostly repeats itself. So, if a company runs an MVR check it would be able to predict the chances of any negative activity happening in the future. Moreover, insurance companies focus on several factors in determining auto insurance rates and their premiums are sometimes based on driving history records. If a company employs drivers with a negative driving history, it can be charged with higher premiums by the insurance company. Knowing about MVR driving records helps companies safeguard themselves from higher premiums.

    Driving Records should be checked at least annually; however, it is recommended to check them more frequently to proactively determine if there have been any changes to the driving record and to further reduce company liability.

    A real-time MVR ordering and monitoring system can provide companies with instant verification of their company drivers.

    Why Driver Drug Screening is Important

    Generally, all CDL drivers who operate commercial motor vehicles subject to the CDL requirements on public roads in the U.S. are performing safety-sensitive functions are subject to DOT drug and alcohol testing. This includes all full-time, part-time, intermittent, backup and international drivers. DOT truck drivers must undergo a drug screening test prior to their employment. This is to be done once per year, after any accident, and if there is a suspicion that a driver is taking drugs. Also, CDL drivers must be randomly tested throughout the year.

    DOT Drug Screening requires laboratory testing for the following five classes of drugs:

    • Marijuana
    • Cocaine
    • Opiates – opium and codeine derivatives
    • Amphetamines and methamphetamines
    • Phencyclidine – PCP.

    DOT alcohol tests identify alcohol concentration of 0.02 and greater.

    NOTE: Effective January 1, 2018, CDL drivers will be tested for four semi-synthetic opioids (i.e., hydrocodone, oxycodone, hydromorphone, oxymorphone). Some common names for these semi-synthetic opioids include OxyContin®, Percodan®, Percocet®, Vicodin®, Lortab®, Norco®, Dilaudid®, Exalgo®. In addition, they will no longer be tested for MDEA.

    When drivers take drugs, their motor skills suffer and their reaction times are severely hampered. This can be dangerous and lead to accidents. Proper Drug screening ensures that a company has healthy drivers on the road.

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    Source by CW Wade

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  • Ready for a High Impact Mindset Reset?

    Ready for a High Impact Mindset Reset?

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    Your mindset, your thoughts, can buoy you up, inspiring you to take courageous action, or they can drag you down, keeping you up at night with worry and paralyzing you with fear. Even though our brains are wired to dwell on the negative, on past mistakes, how we think in this moment is something we can control.

    Changing our minds in the present moment can be hard work! I know from experience that when things aren’t going well, one of the toughest things to do is to turn your mind from impending doom to what is possible and what can be done.

    The good news is that the more you practice these mindset boosters, the easier they become. They do, in fact, become habits that kick in when you need them the most.

    The even better news is that the more you practice them, the more impact both you and your company will have. Staying on track and not allowing yourself to be pulled down will save you a lot of time and energy. The time and energy you free up can be spent on your company’s financial performance and having impact.

    S0 let’s look at ways you can do a mindset reset and the practices that will support you in doing so:

    The Future Doesn’t Just Happen – You Shape It Every Day

    Have you ever seen or read about people in the direst of circumstances who are transcendent, happy? And others who seem to have everything, and yet feel deprived? The way you choose to think about a situation, the parts of yourself that you call on, even dig deep for, are what determine your present and your future. Your thinking is integral to your character.

    When things look negative, question it. There’s always a way to think about a situation that includes a gift, an opportunity. This may seem contrived at first, but think about situations where you’ve suddenly had a shift in perspective and a solution appeared, seemingly out of nowhere. That’s the effect you want to be able to call on.

    “Circumstance does not make the person,

    it reveals the person to himself or herself.”

    ~James Allen

    People become leaders of successful, impactful companies by becoming the people who can lead those companies first. They walk with integrity. They make smart decisions. They step up and into opportunity with courage. They acknowledge their fears, but don’t indulge them. They learn and grow.

    You are becoming the leader of your high impact company right now, in how you show up every day. Treating people with respect. Listening to ideas. Choosing how you use your time and energy. Making decisions with your mind AND your heart.

    You can shape your future by consciously developing the mindset of the leader who leads your company in these ways.

    Doubling down on mission is one way to ensure that your company moves more in the direction of your impact. New Belgium Brewing became a benefit corporation in 2018, ingraining its commitment to internal and community impact in its legal framework, and is now the fourth-largest craft brewery in the US.

    Fear and Getting Through the Storm

    We all have fears. Fears about how the company will do financially this year, about that crucial new hire who looks promising but is unproven, or about how your new offering will fare in a busy market. Fears can abound, especially if nurtured and given attention.

    “The future you constantly worry about

    Is nothing other than a projection of fear and desire from the past.”

    ~Thich Nhat Hanh

    Fears can instead be a tool, an indicator. They can lead you to research, to ask good questions, and to explore options. As long as you don’t allow fears to take over the present, they can actually be valuable.

    One way to be vigilant about fears is with mindfulness. Mindfulness, that focus on the present, is more than a business fad. It’s a practice that decreases stress and increases productivity.

    The leaders of outdoor apparel maker Patagonia are committed to using their successful company as a vehicle to put mindfulness into action. Patagonia founder Yves Chouinard describes navigating what could be a terrifying Class 4 rapid as a teaching:

    • look ahead and prepare

      • be proactive
      • don’t ignore what is coming
      • think through scenarios
      • do what is necessary to get ready to the best of your ability
      • trust that you can handle whatever happens


    • go into a drop

      • take calculated risks
      • once you decide, follow through wholeheartedly


    • read the river

      • be vigilant
      • be perceptive
      • adjust as needed.

    That intuitive process has helped guide his business for the last 50 years. Chouinard believes that if the process isn’t sound, if your intentions don’t come from the right place, the outcome, even if profitable, doesn’t matter.

    Practicing wisdom by making decisions from a place of love rather than fear can open the door to creative solutions. When Patagonia’s CEO Casey Sheahan was faced with laying off 150 employees during the financial crisis, shortly after he took over from Chouinard, he was torn up about the decision. His wife asked him, “Are you making this decision from a place of fear, or from a place of love?” When he realized that it was fear driving the layoff decision, he found another way, leading to unheard-of sales levels after a few rocky quarters.

    Fear can be a driver of decisions and actions, but they don’t have to be. Elizabeth Gilbert in her book, Big Magic, tells the story of treating her fears like an inevitable passenger on a road trip. Fears can and will be there, but they can Never. Ever. Drive.

    Focus on Your Impact

    Do you find your Impact Purpose, a clear statement of the impact you want to have, inspiring? Does it fill you with energy? If it doesn’t, at least most of the time, you might be on the wrong track. Your clarity about the impact you want to have, whether it’s social or environmental or both, can serve as the rock on which you build your impactful business.

    When you steadily focus on your Impact Purpose, you’ll find your thoughts turning from short-term pain to what you could achieve in your business and community. This thinking about others, and not just yourself, is a way to bring you out of the doldrums or away from unhelpful divergent thinking, and back into focus on your impact.

    Reinforce this by having your Impact Purpose statement in front of you, every day. Have it on your desk or screen. In your wallet. On your fridge. Wherever you will be regularly reminded of what you intend, personally and with your company.

    Plan your day and week with your Impact Purpose in mind. Include it in your decisions about how time, money, and resources will be spent, and with whom. Thoughts aligned with purpose are a powerful creative force. Fill your attention with something worthwhile.

    The greatest achievement was at one time a dream. Stay with your dream. It’ll be part of your becoming.

    You Are the Company You Keep

    You may have heard the notion that you are the sum of the 5 people you spend the most time with. That speaks to the influence that those around you have on your thinking and therefore on your actions.

    Some companies who are committed to having impact take this to a highly conscious level. Design firm LimeRed, led by Emily Lonigro Boylan, only works with individuals or organizations that have social impact. LimeRed only engages with clients whose values they share, who are kind and innovative, and who are also accountable to their stakeholders and communities.

    You as a business leader can also take this to another level by incorporating it into decisions about who you include on your team, your suppliers, and your partners. Do you vet who you work with every day through this lens? Do you extend this to your advisors, your pet projects, and your friends?

    You’re more likely to have impact when you devote all your energy and resources toward people and companies that also want to have impact in harmony with yours.

    Your mindset matters to your own fulfillment and well-being. It matters to your company, as you engage with your community and the larger world. Optimize your opportunity to have impact by doing this mindset reset.

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    Source by Ursula Jorch

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  • Spiritual and Emotional Healing for Common Chronic Illnesses

    Spiritual and Emotional Healing for Common Chronic Illnesses

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    Chronic illness can be used as a tool of enlightenment to discover the lessons of soul journeys.

    Often times, our physical bodies reflect the spiritual, psychological and biological imprints of our experiences.

    When we engage a process of healing, often practitioners address the physical or biological aspects of health challenges, yet the psychological and emotional aspects are often neglected.

    Thus, it is important to look at our emotional and spiritual patterns to discover the lessons in specific health conditions.

    In the Chinese system of medicine, there is a mapping of personality archetypes that correlate with specific internal organ imbalances. These correlations can give insight to emotional and spiritual aspects of health challenges.

    For example, someone with a kidney imbalance or adrenal fatigue or urinary bladder issues might lean toward excessive fears such that energy becomes stagnant to create kidney stones. We would call this personality type a “water” type. They might tend to be very introspective and inward, suppressing feelings as opposed to expressing them. Also, water personalities may be challenged with exhibiting discipline.

    On a spiritual level, water aspects are about spiritual essence, so lessons that have to do with our jing-our spiritual DNA or heritage, cyclic patterns of energy that are associated with our spiritual ancestors and our spiritual blueprint.

    So, when we have issues involving a kidney pattern, either in the form of weak kidneys (sluggish energy), kidney stones, weak bones, or cancer, we need to ask ourselves, “On a spiritual level, what energies am I holding around heritage and ancestors that may be depleting my kidney energy? What fears am I holding?”

    On the other hand, a person with high blood pressure, dizziness, and tendency towards insomnia or anger might have more of a wood personality, manifesting imbalances with the liver. The partner of the liver is the gallbladder, another wood element organ. A personality archetype of a person with imbalances of the gallbladder would be one who has difficulty making decisions and defining themselves and their path in the world. There is often a sense of angst or wavering about what to do or who to be in the world.

    Spiritually wood is about creativity and the most benevolent aspects of spirit. So, when we have health challenges that are more of a wood issue, we can ask, “What issues or energies am I holding around blooming compassion or dealing with suppressed anger?” How am I allowing my spirit and personality to manifest creativity?”

    Metal personalities often are more prone to lung challenges, asthma, bronchitis, and other respiratory and auto-immune issues that may express more on the skin or through the large intestine. Metal out of balance can represent a person who tends to be righteous in fighting injustices but perhaps at a level that depletes their energy such that the immunity and the lungs suffer. Irritable bowel syndrome can also be a tendency for people who have a strong metal element, as there may be issues with holding onto experience and feelings that no longer serve the body, creating inflammation in the organ itself that is responsible for elimination of toxins. Perfectionists often fit into this metal category as trying to achieve very lofty goals-part of the righteous aspect of the self that is trying to attain the highest level of achievement.

    Spiritually, metal is associated with our “wei qi”, external immunity that protects spiritually. “Wei qi” can be compared to an energetic shield. So, we might ask ourselves, “What issues or energies am I holding around protection, perfection or the need to right injustices on a spirit level?”

    Earth personalities tend to manifest spleen/stomach and digestive issues. They may also exhibit challenge with boundaries (setting appropriate boundaries so as to regulate activities and relationships such that one does not become overwhelmed). Thus, anxiety may arise. Also, the earth personality may tend to ruminate on thoughts and ideas which can also add to anxiety and the health challenges that may accompany stress, such as acid reflux, ulcers, and irritable bowel syndrome.

    Earth personalities can be natural nurturers but may have a tendency to over-nurture and not make time for themselves. Thus, nourishing the self becomes an important healing tool for earth personalities. Challenges with grounding and centering energy may also emerge for earth personality person as often their energies are stretched in so many directions in the attempt to care-take others.

    On a spirit level, earth represents the spiritual intelligence. So, we might introspect earth related health challenges by asking, “What energies or issues am I holding around allowing my intuitive and spiritual intelligence to guide my path versus my cognitive, intellectual self? In what ways am nourishing my ability to let spirit lead?”

    Sometimes our spirit journeys may involve patterns or lessons around these elemental aspects of being such that we may carry the imbalance of earlier spirit journeys in our bodies as patterns that reflect our elemental patterns of those times.

    This is often the case with health conditions that do not respond to traditional western or traditional eastern protocols. These conditions often reflect deeper rooted soul lessons that need to be resolved. Thus, the process for resolution often takes time. Yet sometimes people want a quick fix and only want to invest in their health with a few sessions or herbal formulations. Yet, the condition may have taken several lifetimes form-so the work of healing needs to be consistent, steady and regular to gain optimal resolution.

    Understanding this longer cycle of healing and supporting the journey with self-empowerment tools such as self-acupressure, dietary and exercise guidance and spiritual mentoring is a hallmark of the type of Chinese medicine that I practice. Thus, clients are given a palette of tools from which they can pick and choose what resonates for them. Then, they can decide at which level that wish to implement strategies and tools in their lives. Thus, the client is the driver in the healing experience with the practitioner merely facilitating a deeper road on which to travel.

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    Source by Kay Hutchinson

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