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Wisconsin Places | Top 15 Best Places To Visit In Wisconsin | Travel Guide
Welcome to traveloworld CZcams channel! This video is about 📍 Top 15 Best Places To Visit In Wisconsin.
Several segments are licensed under creative commons:
creativecommons.org/licenses/
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Many parts of Wisconsin are covered in rolling farm fields with cows grazing and stately red barns. However, you might be surprised to learn that America's Dairyland isn't just known for its rich agricultural heritage. The United States' Third Coast is also home to a plethora of wonderful sites, both urban and rural. Many of the best sites to visit in Wisconsin revolve around the water, which is bordered by Lake Michigan and Lake Superior and filled with over 15,000 freshwater lakes. The enjoyment, however, does not end with Wisconsin's thousands of miles of coastline! Wisconsin's main cities also showcase the state's rich and distinct Midwestern culture as it collides with modern art and cuisine. Check out these top 15 best places to visit in Wisconsin and you'll fall in love with the Badger State.
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South Carolina Places | Top 10 Best Places To Visit In South Carolina | Travel Guide
zhlédnutí 23KPřed rokem
Welcome to traveloworld CZcams channel! This video is about 📍 Top 10 Best Places To Visit In South Carolina. Several segments are licensed under creative commons: creativecommons.org/licenses/ South Carolina has a fantastic location on America's southeastern coast. The state is a popular vacation destination because to its kilometers of beaches, picturesque islands, and good year-round weather....
Indiana Places | Top 15 Best Places To Visit In Indiana | Travel Guide
zhlédnutí 38KPřed rokem
Welcome to traveloworld CZcams channel! This video is about 📍 Top 15 Best Places To Visit In Indiana. Several segments are licensed under creative commons: creativecommons.org/licenses/ The Midwestern state of Indiana is primarily famous for its Indianapolis 500 auto race. However, a little digging beneath the surface reveals a plethora of attractive cities and small towns with exceptional cult...
Pennsylvania Places | Top 15 Best Places To Visit In Pennsylvania | Travel Guide
zhlédnutí 75KPřed rokem
Welcome to traveloworld CZcams channel! This video is about 📍 Top 15 Best Places To Visit In Pennsylvania. Several segments are licensed under creative commons: creativecommons.org/licenses/ Pennsylvania is home to some of America's most gorgeous countryside vistas, as well as a number of unique cities that have played significant roles in American history. The Keystone State, the Oil State, an...
Tennessee Places | Top 10 Best Places To Visit In Tennessee | Travel Guide
zhlédnutí 8KPřed rokem
Welcome to traveloworld CZcams channel! This video is about 📍 Top 10 Best Places To Visit In Tennessee. Several segments are licensed under creative commons: creativecommons.org/licenses/ Tennessee is among the most entertaining and thoroughly American destinations you could ever wish to visit. Everyone can find something to appreciate here, from country music to imposing vistas and a variety o...
North Carolina Places | Top 10 Best Places To Visit In North Carolina | Travel Guide
zhlédnutí 2,4KPřed rokem
Welcome to traveloworld CZcams channel! This video is about 📍 Top 10 Best Places To Visit In North Carolina. Several segments are licensed under creative commons: creativecommons.org/licenses/ Due to its many attractions, including its enormous mountains, gorgeous beaches, and southern charm, North Carolina is a popular tourism destination. In addition to its beautiful natural surroundings and ...
Minnesota Places | Top 10 Best Places To Visit In Minnesota | Travel Guide
zhlédnutí 47KPřed rokem
Welcome to traveloworld CZcams channel! This video is about 📍 Top 10 Best Places To Visit In Minnesota. Several segments are licensed under creative commons: creativecommons.org/licenses/ Minnesota boasts a rich and unique terrain, as well as a fascinating history that is likely to intrigue visitors, from the origin of the Mississippi River at Lake Itasca to the distinctive Midwestern charm of ...
Kentucky Places | Top 10 Best Places To Visit In Kentucky | Travel Guide
zhlédnutí 56KPřed rokem
Welcome to traveloworld CZcams channel! This video is about 📍 Top 10 Best Places To Visit In Kentucky. Several segments are licensed under creative commons: creativecommons.org/licenses/ Kentucky provides a variety of distinctive and memorable experiences. It is best known as the center of horse racing and as the state that gave rise to the well-known Kentucky Fried Chicken brand. Its popular c...
IOWA Places | Top 10 Best Places To Visit In IOWA | Travel Guide
zhlédnutí 22KPřed rokem
Welcome to traveloworld CZcams channel! This video is about 📍 Top 10 Best Places To Visit In IOWA. Several segments are licensed under creative commons: creativecommons.org/licenses/ Iowa has more to offer than many visitors realize, from unique beach towns with waterside amusement parks to towns steeped in history and influenced by a rich Dutch heritage. Visitors to Iowa will be entertained in...
Ohio Places | Top 15 Best Places To Visit In Ohio | Travel Guide
zhlédnutí 127KPřed rokem
Welcome to traveloworld CZcams channel! This video is about 📍 Top 15 Best Places To Visit In Ohio. Several segments are licensed under creative commons: creativecommons.org/licenses/ Ohio is in the heart of America, so you've probably traveled through it and stopped for a rest stop or two on road trips throughout the years. There is, however, much more to see and do in Ohio than just stopping f...
Texas Places | Top 10 Best Places To Visit In Texas | Travel Guide
zhlédnutí 4,1KPřed rokem
Welcome to traveloworld CZcams channel! This video is about 📍 Top 10 Best Places To Visit In Texas. Several segments are licensed under creative commons: creativecommons.org/licenses/ Everything is bigger and better in Texas, a massive sprawling state with its own brand of cool. It’s also a very friendly place and is known for a huge array of things including country music, tacos, cowboy cultur...

Komentáře

  • @user-dt2wx7xt1m
    @user-dt2wx7xt1m Před 3 hodinami

    Ohio Orlando Mirror Forty

  • @user-dt2wx7xt1m
    @user-dt2wx7xt1m Před 3 hodinami

    Orange white company Lagos/ ikeji ( calabar IBADAN akure

  • @elisefaust6113
    @elisefaust6113 Před 11 hodinami

    i lived in allentown for 12 years. dont go there

  • @ShirleyPotts-ud3nb
    @ShirleyPotts-ud3nb Před 19 hodinami

    Wisconsin is a beautiful state.

  • @denali9449
    @denali9449 Před dnem

    Get some facts Indy Motor Speedway is not the worlds largest track and the Univ of Notre Dame is not in South Bend.

  • @garyhull5617
    @garyhull5617 Před 4 dny

    Indiana wants me.... Lord I can't go back there.

  • @garyhull5617
    @garyhull5617 Před 4 dny

    Can't believe Garrison wasn't on the list. How could you?

  • @MatthewStahl3
    @MatthewStahl3 Před 7 dny

    It's the Cleveland GUARDIANS not Indians.

  • @HollyHartwellWhite
    @HollyHartwellWhite Před 7 dny

    As An Ohioan I Always Love How Younger Folks Actually Immortalized My Hometown With memes. It's not eveyday these Dogs Actually do something useful inside their Miserable Life 😊

  • @SobhoKhan-yx5tz
    @SobhoKhan-yx5tz Před 9 dny

    ❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤

  • @j.bertles704
    @j.bertles704 Před 12 dny

    How I am so homesick. In '76 my parents made the decision to sell the house and move to Texas. Talk about a culture shock. And I must agree with several of the other comments made in reference to talking computers with lousy pronunciation, with not one mention of hockey, to which I say, WTF?!!

  • @josephstrohmeyer5758
    @josephstrohmeyer5758 Před 14 dny

    William Mickenly library museum not in Canton ohio its in niles ohio

  • @jannesrost4888
    @jannesrost4888 Před 17 dny

    What is wrong with you people? Why would any of the people vote for Biden? I'm just curious because He is so BAD at being president. What has he done for you this past 3 years? I'm a southerner so maybe I just won't ever understand.

  • @Jesse-wd2fw
    @Jesse-wd2fw Před 18 dny

    There is no good places in Indiana. Trust me. Turn away!

  • @thunderpalace1052
    @thunderpalace1052 Před 19 dny

    When Lafayette was on the list I knew it was a terrible list.

  • @Serioussamurai500
    @Serioussamurai500 Před 19 dny

    I'm going for a month orso.I'ĺl fly you out. There is music good food .Fun piers & Beaches.

  • @gj8683
    @gj8683 Před 20 dny

    It's Indiana University, not University of Indiana. And it's Lake Monroe. Tourists will give themselves away of they say things wrong.

  • @davidli1795
    @davidli1795 Před 23 dny

    It’s pronounced Lafiet

  • @RetiredInEcuador
    @RetiredInEcuador Před měsícem

    One of the clips of Leon's ice cream was not in Door County but was in Milwaukee. One of the clips of a suspension bridge in Milwaukee wasn't even in Wisconsin. Good presentation, though.

    • @bigopishposh8558
      @bigopishposh8558 Před 7 dny

      Leon's is classic MKE! This video got A LOT wrong about the state unfortunately

  • @TotallynotJune_birds
    @TotallynotJune_birds Před měsícem

    👏do your research and learn pronunciations👏

  • @maryroberts2099
    @maryroberts2099 Před měsícem

    Lake Geneva-the Chicago of the north

  • @Hellraiser55
    @Hellraiser55 Před měsícem

    Yawn

  • @steve_jobjoo
    @steve_jobjoo Před měsícem

    Des Moine's' : 's" is silent(mute) Lol

  • @user-rt6bd3dj2e
    @user-rt6bd3dj2e Před měsícem

    Devils Lake State Park Exploring sightseeing, Offers variety of outdoor activities fishing hiking

  • @marshayoder7627
    @marshayoder7627 Před měsícem

    Elkhart is NOT in the heart of amish country...do your research .... Shipshewana

  • @danr5239
    @danr5239 Před měsícem

    I live in Minnesota, not too far for Minneapolis and I can tell you downtown Minneapolis is terrible nothing but honking horns, sirens and bumbs. There’s a few restaurants that we like to go to, but once we eat there, we get in our car and we get the heck out.

    • @TyroneBiggums789
      @TyroneBiggums789 Před 5 dny

      So where would you recommend a visitor go to?

    • @blueboyblue
      @blueboyblue Před 4 dny

      @@TyroneBiggums789 - The Uptown Area which is south of down town on Hennepin Ave (intersection of S Hennepin Ave and W Lake St) is pretty nice, very close, within walking distance to Lake Calhon, and marked by the Uptown Theater. This neighborhood has Three Independent Film Theaters. Nice places to eat, a small shopping center. In this area are a Chain of Lakes, if you want to go walking, biking, or running.Lake Calhon and Lake Harriet are the main lakes but just above that are Lake of the Isles and Cedar Lake. You can rent canoes and sail boats on either Calhon or Harriet. Between Calhon and Harriet is a historic Trolley Car that you can ride on for a very small cost. Also in this area, mostly unnoticed, is a old Railroad Track that have been converted to a Walking and Biking Trail. Very nice asset to the neighborhood, and runs for a couple of miles. Strange thing about this; Down Town is North, and Uptown is South. Down town or the Center of the City does have some nice nightlife, theaters, bars, and restaurants including the famous 1st Ave and 7th Street Entry which are more nightclubs that have hosted some famous Music Acts. But like most down town areas, it can get a bit seedy. If you search Google Maps for - Uptown Minneapolis MN - , it directs you to the Uptown Neighborhood and not the actual City Center. This is a very high demand neighborhood because of its proximity to the Lakes.

  • @artemzakharov5349
    @artemzakharov5349 Před měsícem

    Only in Ohio /ohio gyat

  • @aminatatamba174
    @aminatatamba174 Před měsícem

    ❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤

  • @TBgunsandbutter
    @TBgunsandbutter Před měsícem

    i'm a Ohio Untouchable ! shouts to Dayton

  • @KakakKedua-ir1tl
    @KakakKedua-ir1tl Před měsícem

    USA Is the best

  • @KakakKedua-ir1tl
    @KakakKedua-ir1tl Před měsícem

    Nice place

  • @TheBuddha4
    @TheBuddha4 Před měsícem

    I've lived in Wisconsin for over 40 years, and none of these places resonate with me.

    • @Randy53215
      @Randy53215 Před 19 dny

      Where did you live? Tomah?

    • @jannesrost4888
      @jannesrost4888 Před 17 dny

      That's interesting. Why is Wisconsin so in love with Biden???

    • @guillermoalejandroestradal4263
      @guillermoalejandroestradal4263 Před 5 dny

      Maybe it was a different Wisconsin 🤭 I've lived a little more than 2 years in the state and have been to, or at least heard of all of them.

    • @DNagy1800
      @DNagy1800 Před 2 dny

      @@jannesrost4888 Because everyone has their own believes and opinions and have the freedom to vote for who they want, that's what makes the US great.

  • @xzmarz
    @xzmarz Před měsícem

    Those who are Somali 👇

  • @Sallaykargbo3480
    @Sallaykargbo3480 Před měsícem

    Ohio We are coming this is 2024 ❤❤❤, thanks you dare for sharing

  • @brianh2159
    @brianh2159 Před měsícem

    17:41 Please tell where in WI this is? Certainly not Milwaukee.

  • @rampaipanchaweeniramon4161

    Great

  • @nagarajtirumani4752
    @nagarajtirumani4752 Před 2 měsíci

    29-03-2024 Banglore India Madam, Always show North direction while showing places. Also show direction of water flow while showing rivers. This improves quality of presentation a well as information. -Nagaraj T V Retired SBI Bank Manager Curiousobserve

  • @matthewhoyt5462
    @matthewhoyt5462 Před 2 měsíci

    I'm a bit confused because Naoh's Ark isn't there and I really like it there

    • @thedon5810
      @thedon5810 Před měsícem

      It is, it's in Williamstown Kentucky.

  • @LinuxDaily
    @LinuxDaily Před 2 měsíci

    Winterset should have been on this list.

  • @coreycoyle9548
    @coreycoyle9548 Před 2 měsíci

    Great Video!!!! F+L, Corey

  • @lynettecotton3222
    @lynettecotton3222 Před 2 měsíci

    MOA is the largest mall in America

  • @user-sq9yo7rz9h
    @user-sq9yo7rz9h Před 2 měsíci

    BRO I SEE OHIO I MAN PEE IN WATER I SEE IN SHOP FANTA MAN NOT GO OHIO GHOST BRO 💀💀💀💀☠️🗿

    • @lilamayoral1031
      @lilamayoral1031 Před 2 měsíci

      😅😅😅😅 you have never pee in the water 😅😅😅? can't make this stuff up!

    • @neveenelkamary
      @neveenelkamary Před měsícem

      Gen z memes are dead anymore people grown up faster lil bro memes dying too fast

  • @AvirajVlogs8
    @AvirajVlogs8 Před 2 měsíci

    I m coming wisconsin.love from india

  • @AvirajVlogs8
    @AvirajVlogs8 Před 2 měsíci

    Njce

  • @user-hf5ov2pt6f
    @user-hf5ov2pt6f Před 2 měsíci

    During this depressed market, Kim and I were able to do six of these simple transactions in our spare time. While the bulk of our money was in larger properties and the stock market, we were able to create more than $190,000 in assets (notes at 10 percent interest) in those six “buy, create, and sell” transactions. That comes to approximately $19,000 a year income, much of it sheltered through our private corporation. LAGOS Much of that $19,000 a year goes to pay for our company cars, gas, trips, insurance, dinners with clients, and other things. By the time the government gets a chance to tax that income, it’s been spent on legally allowed pre-tax expenses.

  • @user-hf5ov2pt6f
    @user-hf5ov2pt6f Před 2 měsíci

    I have watched people get the right opportunity card and then not have enough money. Then they complain that they would have gotten out of the Rat Race if they had had more money. So they sit there. I know people in real life who do that also. They see all the great deals, but they have no money. And I have seen people pull a great opportunity card, read it out loud, and have no idea that it is a great opportunity. They have the money, the time is right, they have the card, but they can’t see the opportunity staring them in the face. They fail to see how it fits into their financial plan for escaping the Rat Race. And I know more people like LAGOS YAHOO that than all the others combined. Most people have an opportunity of a lifetime flash right in front of them, and they fail to see it. A year later, they find out about it, after everyone else got rich. Financial intelligence is simply having more options. If the opportunities aren’t coming your way, what else can you do to improve your financial position? If an opportunity lands in your lap and you have no money and the bank won’t talk to you, what else can you do to get the opportunity to work in your favor? If your hunch is wrong, and what you’ve been counting on doesn’t happen, how can you turn a lemon into millions? That is financial intelligence. It is not so much what happens, but how many different financial solutions you can think of to turn a lemon into millions. It is how creative you are in solving financial problems. Most people only know one solution: Work hard, save, and borrow. So why would you want to increase your financial intelligence? Because you want to be the kind of person who creates your own luck. You take whatever happens and make it better. Few people realize that luck is created, just as money is. And if you want to be luckier and create money instead of working hard, then your financial intelligence is important. If you are the kind of person who is waiting for the right thing to happen, you might wait for a long time. It’s like waiting for all the traffic lights to be green for five miles before you’ll start your trip. As young boys, Mike and I were constantly told by my rich dad that “money is not real.” Rich dad occasionally reminded us of how close we came to the secret of money on that first day we got together and began “making money” out of plaster of paris. “The poor and middle class work for money,” he would say. “The rich make money. The more real you think money is, the harder you will work for it. If you can grasp the idea that money is not real, you will grow richer faster.” “What is it?” was a question Mike and I often came back with. “What is money if it is not real?” “What we agree it is,” was all rich dad would say. The single most powerful asset we all have is our mind. If it is trained well, it can create enormous wealth seemingly instantaneously. An untrained mind can also create extreme poverty that can crush a family for generations. In the Information Age, money is increasing exponentially. A few individuals are getting ridiculously rich from nothing, just ideas and agreements. If you ask many people who trade stocks or other investments for a living, they see it done all the time. Often, millions can be made instantaneously from nothing. And by nothing, I mean no money was exchanged. It is done via agreement: a hand signal in a trading pit, a blip on a trader’s screen in Lisbon from a trader’s screen in Toronto and back to Lisbon, a call to my broker to buy and a moment later to sell. Money did not change hands. Agreements did. The single most powerful asset we all have is our mind. If it is trained well, it can create enormous wealth. So why develop your financial genius? Only you can answer that. I can tell you why I have been developing this area of my intelligence. I do it because I want to make money fast. Not because I need to, but because I want to. It is a fascinating learning process. I develop my financial IQ because I want to participate in the fastest game and biggest game in the world. And in my own small way, I would like to be part of this unprecedented evolution of humanity, the era where humans work purely with their minds and not with their bodies. Besides, it is where the action is. It is what is happening. It’s hip. It’s scary. And it’s fun. That is why I invest in my financial intelligence, developing the most powerful asset I have. I want to be with people moving boldly forward. I do not want to be with those left behind. I will give you a simple example of creating money. In the early 1990s, the economy of Phoenix, Arizona, was horrible. I was watching a TV show when a financial planner came on and began forecasting doom and gloom. His advice was to save money. “Put $100 away every month,” he said. “In 40 years you will be a multimillionaire.” Well, putting money away every month is a sound idea. It is one option -the option most people subscribe to. The problem is this: It blinds the person to what is really going on. It causes them to miss major opportunities for much more significant growth of their money. The world is passing them by. As I said, the economy was terrible at that time. For investors, this is the perfect market condition. A chunk of my money was in the stock market and in apartment houses. I was short of cash. Because people were giving properties away, I was buying. I was not saving money. I was investing. Kim and I had more than a million dollars in cash working in a market that was rising fast. It was the best opportunity to invest. The economy was terrible. I just could not pass up these small deals. Houses that were once $100,000 were now $75,000. But instead of shopping with local real estate agents, I began shopping at the bankruptcy attorney’s office, or the courthouse steps. In these shopping places, a $75,000 house could sometimes be bought for $20,000 or less. For $2,000, which was loaned to me from a friend for 90 days for $200, I gave an attorney a cashier’s check as a down payment. While the acquisition was being processed, I ran an ad advertising a $75,000 house for only $60,000 and no money down. The phone rang hard and heavy. Prospective buyers were screened and once the property was legally mine, all the prospective buyers were allowed to look at the house. It was a feeding frenzy. The house sold in a few minutes. I asked for a $2,500 processing fee, which they gladly handed over, and the escrow and title company took over from there. I returned the $2,000 to my friend with an additional $200. He was happy, the home buyer was happy, the attorney was happy, and I was happy. I had sold a house for $60,000 that cost me $20,000. The $40,000 was created from money in my asset column in the form of a promissory note from the buyer. Total working time: five hours. So now that you are on your way to becoming more financially literate and skilled at reading numbers, I will show you why this is an example of money being invented

  • @user-hf5ov2pt6f
    @user-hf5ov2pt6f Před 2 měsíci

    As I have said, some people hate the game, some love it, and others miss the point. This woman missed a valuable opportunity to learn something. In the opening round, she drew a “doodad” card with the boat on it. At first she was happy. “Oh, I’ve got a boat.” Then, as her friend tried to explain how the numbers worked on her income statement and balance sheet, she got frustrated because she had never liked math. The rest of her table waited while her friend continued explaining the relationship between the income statement, balance sheet, and monthly cash flow. Suddenly, when she realized how the numbers worked, it dawned on her that her boat was eating her alive. Later on in the game, she was also downsized and had a child. It was a horrible game for her. After the class, her friend came by and told me that she was upset. She had come to the class to learn about investing and did not like the idea that it took so long to play a silly game. Her friend attempted to tell her to look within herself to see if the game reflected her in any way. With that suggestion, the LAGOS woman demanded her money back. She said that the very idea that a game could be a reflection of her was ridiculous. Her money was promptly refunded, and she left. Since 1984, I have made millions simply by doing what the school system does not do. In school, most teachers lecture. I hated lectures as a student. I was soon bored, and my mind would drift. In 1984, I began teaching via games and simulations, and I still rely on these tools today. I always encourage adult students to look at games as reflecting back to them what they know and what they need to learn. Most importantly, games reflect behavior. They are instant feedback systems. Instead of the teacher lecturing you, the game is giving you a personalized lecture, one that is custom-made just for you. The friend of the woman who left later called to give me an update. She said her friend was fine and had calmed down. In her cooling-off period, she could see some slight relationship between the game and her life. Although she and her husband did not own a boat, they did own everything else imaginable. She was angry after their divorce, both because he had run off with a younger woman and because, after twenty years of marriage, they had accumulated little in the way of assets. There was virtually nothing for them to split. Their twenty years of married life had been incredible fun, but all they had accumulated was a ton of doodads. Games reflect behavior. They are instant feedback systems. She realized that her anger at doing the numbers-the income statement and balance sheet-came from her embarrassment about not understanding them. She had believed that finances were the man’s job. She maintained the house and did the entertaining, and he handled the finances. She was now quite certain, that in the last five years of their marriage, he had hidden money from her. She was angry at herself for not being more aware of where the money was going, as well as for not knowing about the other woman. Just like a board game, the world is always providing us with instant feedback. We could learn a lot if we tuned in more. One day not long ago, I complained to my wife that the cleaners must have shrunk my pants. My wife gently smiled and poked me in the stomach to inform me that the pants had not shrunk. Something else had expanded-me! The CASHFLOW game was designed to give every player personal feedback. Its purpose is to give you options. If you draw the boat card and it puts you into debt, the question is: “Now what can you do? How many different financial options can you come up with?” That is the purpose of the game: to teach players to think and create new and various financial options. Thousands of people throughout the world have played this game. The players who get out of the Rat Race the quickest are the people who understand numbers and have creative financial minds. They recognize different financial options. Rich people are often creative and take calculated risks. People who take the longest are people who are not familiar with numbers and often do not understand the power of investing. Some people playing CASHFLOW gain lots of money in the game, but they don’t know what to do with it. Even though they have money, everyone else seems to be getting ahead of them. And that is true in real life. There are a lot of people who have a lot of money and do not get ahead financially. Play CASHFLOW Classic on the web at www.richdad.com What did you learn about your true behavior from playing the game Limiting your options is the same as hanging on to old ideas. I have a friend from high school who now works at three jobs. Years ago, he was the richest of all my classmates. When the local sugar plantation closed, the company he worked for went down with the plantation. In his mind, he had but one option, and that was the old option: Work hard. The problem was that he couldn’t find an equivalent job that recognized his seniority from the old company. As a result, he is overqualified for the jobs he currently has, so his salary is lower. He now works three jobs to earn enough to survive. I have watched people playing CASHFLOW complain that the right opportunity cards are not coming their way. So they sit there. I know people who do that in real life. They wait for the right opportunity.

  • @user-hf5ov2pt6f
    @user-hf5ov2pt6f Před 2 měsíci

    Often in the real world, it’s not the smart who get ahead, but the bold. Last night, I took a break from writing and watched a TV program on the history of a young man named Alexander Graham Bell. Bell had just patented his telephone and was having growing pains because the demand for his new invention was so strong. Needing a bigger company, he then went to the giant at that time, Western Union, and asked them if they would buy his patent and his tiny company. He wanted $100,000 for the whole package. The president of Western Union scoffed at him and turned him down, saying the price was ridiculous. The rest is history. A multi-billiondollar industry emerged, and AT&T was born. The evening news came on right after the story of Alexander Graham Bell. On the news was a story of another downsizing at a local company. The workers were angry and complained that the company ownership was unfair. A terminated manager of about 45 years of age had his wife and two babies at the plant and was begging the guards to let him talk to the owners to ask if they would reconsider his termination. He had just bought a house and was afraid of losing it. The camera focused in on his pleading for all the world to see. Needless to say, it held my attention. I have been teaching professionally since 1984. It has been a great experience and a rewarding one. It is also a disturbing profession, for I have taught thousands of individuals and I see one thing in common in all of us, myself included. We all have tremendous potential, and we all are blessed with gifts. Yet the one thing that holds all of us back is some degree of selfdoubt. It is not so much the lack of technical information that holds us back, but more the lack of self-confidence. Some are more affected than others. Once we leave school, most of us know that it is not so much a matter of college degrees or good grades that count. In the real world outside of academics, something more than just grades is required. I have heard it called many things; guts, chutzpah, balls, audacity, bravado, cunning, daring, tenacity, and brilliance. This factor, whatever it is labeled, ultimately decides one’s future much more than school grades do. Inside each of us is one of these brave, brilliant, and daring characters. There is also the flip side of that character: people who could get down on their knees and beg if necessary. After a year in Vietnam as a Marine Corps pilot, I got to know both of those characters inside of me intimately. One is not better than the other. Yet as a teacher, I recognized that it was excessive fear and self-doubt that were the greatest detractors of personal genius. It broke my heart to see students know the answers, yet lack the courage to act on the answer. Often in the real world, it’s not the smart who get ahead, but the bold. In my personal experience, your financial genius requires both technical knowledge as well as courage. If fear is too strong, the genius is suppressed. In my classes, I strongly urge students to learn to take risks, to be bold, and to let their genius convert that fear into power and brilliance. It works for some and just terrifies others. I have come to realize that for most people, when it comes to the subject of money, they would rather play it safe. I have had to field questions such as: “Why take risks?” “Why should I bother developing my financial IQ?” “Why should I become financially literate?” And I answer, “Just to have more options.” There are huge changes up ahead. In the coming years, there will be more people just like the young inventor Alexander Graham Bell. There will be a hundred people like Bill Gates and hugely successful companies like Microsoft created every year, all over the world. And there also will be many more bankruptcies, layoffs, and downsizings. So why bother developing your financial IQ? No one can answer that but you. Yet I can tell you why I myself do it. I do it because it is the most exciting time to be alive. I’d rather be welcoming change than dreading change. I’d rather be excited about making millions than worrying about not getting a raise. This period we are in now is a most exciting time, unprecedented in our world’s history. Generations from now, people will look back at this period of time and LAGOS remark at what an exciting era it must have been. It was the death of the old and birth of the new. It was full of turmoil, and it was exciting. So why bother developing your financial IQ? Because if you do, you will prosper greatly. And if you don’t, this period of time will be a frightening one. It will be a time of watching some people move boldly forward while others cling to worn-out life preservers. Land was wealth 300 years ago. So the person who owned the land owned the wealth. Later, wealth was in factories and production, and America rose to dominance. The industrialist owned the wealth. Today, wealth is in information. And the person who has the most timely information owns the wealth. The problem is that information flies around the world at the speed of light. The new wealth cannot be contained by boundaries and borders as land and factories were. The changes will be faster and more dramatic. There will be a dramatic increase in the number of new multimillionaires. There also will be those who are left behind. I find so many people struggling today, often working harder, simply because they cling to old ideas. They want things to be the way they were, and they resist change. I know people who are losing their jobs or their houses, and they blame technology or the economy or their boss. Sadly, they fail to realize that they might be the problem. Old ideas are their biggest liability. It is a liability simply because they fail to realize that while that idea or way of doing something was an asset yesterday, yesterday is gone. One afternoon I was teaching how to invest using a board game I had invented, CASHFLOW®, as a teaching tool. A friend had brought someone along to attend the class. This friend of a friend was recently divorced, had been badly burned in the divorce settlement, and was now searching for some answers. Her friend thought the class might help. The game was designed to help people learn how money works. In playing the game, they learn about the interaction of the income statement with the balance sheet. They learn how cash flows between the two and how the road to wealth is through striving to increase your monthly cash flow from the asset column to the point that it exceeds your monthly expenses. Once you accomplish this, you are able to get out of the Rat Race and out onto the Fast Track. You can play CASHFLOW Classic on the web at www.richdad.com and learn how money works.

  • @user-hf5ov2pt6f
    @user-hf5ov2pt6f Před 2 měsíci

    power to your employer. If money works for you, you keep the power and control it. If you work for money, you give the power to you employer. If money works for you, you keep the power and control it. Once we had this knowledge of the power of LAGOS money working for us, he wanted us to be financially smart and not let anyone or anything push us around. If you’re ignorant, it’s easy to be bullied. If you know what you’re talking about, you have a fighting chance. That is why he paid so much for smart tax accountants and attorneys. It was less expensive to pay them than to pay the government. His best lesson to me was: “Be smart and you won’t be pushed around as much.” He knew the law because he was a law-abiding citizen and because it was expensive to not know the law. “If you know you’re right, you’re not afraid of fighting back.” Even if you are taking on Robin Hood and his band of Merry Men. My highly educated dad always encouraged me to land a good job with a strong corporation. He spoke of the virtues of “working your way up the corporate ladder.” He didn’t understand that, by relying solely on a paycheck from a corporate employer, I would be a docile cow ready for milking. When I told my rich dad of my father’s advice, he only chuckled. “Why not own the ladder?” was all he said. As a young boy, I did not understand what rich dad meant by owning my own corporation. It was an idea that seemed impossible and intimidating. Although I was excited by the idea, my inexperience wouldn’t let me envision the possibility that grown-ups would someday work for a company I would own. The point is that, if not for my rich dad, I would have probably followed my educated dad’s advice. It was merely the occasional reminder of my rich dad that kept the idea of owning my own corporation alive and kept me on a different path. By the time I was 15 or 16, I knew I wasn’t going to continue down the path my educated dad recommended. I didn’t know how I was going to do it, but I was determined not to head in the direction most of my classmates were heading. That decision changed my life. Each dollar in my asset column was a great employee, working hard to make more employees and buy the boss a new Porsche. It was not until my mid-twenties that my rich dad’s advice began to make more sense to me. I was just out of the Marine Corps and working for Xerox. I was making a lot of money, but every time I looked at my paycheck, I was disappointed. The deductions were so large and, the more I worked, the greater they became. As I became more successful, my bosses talked about promotions and raises. It was flattering, but I could hear my rich dad asking in my ear: “Who are you working for? Who are you making rich?” In 1974, while still an employee for Xerox, I formed my first corporation and began minding my own business. There were already a few assets in my asset column, but now I was determined to focus on making it bigger. Those paychecks, with all the deductions, made all the years of my rich dad’s advice make total sense. I could see the future if I followed my educated dad’s advice. Many employers feel that advising their workers to mind their own business is bad for business. But for me, focusing on my own business and developing assets made me a better employee because I now had a purpose. I came in early and worked diligently, amassing as much money as possible so I could invest in real estate. Hawaii was just set to boom, and there were fortunes to be made. The more I realized that we were in the beginning stages of a boom, the more Xerox machines I sold. The more I sold, the more money I made and, of course, the more deductions came out of my paycheck. It was inspiring. I wanted out of the employee trap so badly that I worked even harder so I could invest more. By 1978, I was consistently one of the top five sales people at the company. I badly wanted out of the Rat Race. In less than three years, I was making more in my real estate holding corporation than I was making at Xerox. And the money I was making in my asset column in my own corporation was money working for me, not me pounding on doors selling copiers. My rich dad’s advice made much more sense. Soon the cash flow from my properties was so strong that my company bought me my first Porsche. My fellow Xerox salespeople thought I was spending my commissions. I wasn’t. I was investing my commissions in assets. My money was working hard to make more money. Each dollar in my asset column was a great employee, working hard to make more employees and buy the boss a new Porsche with before-tax dollars. I began to work harder for Xerox. The plan was working, and my Porsche was the proof. By using the lessons I learned from my rich dad, I was able to get out of the proverbial Rat Race at an early age. It was made possible because of the strong financial knowledge I had acquired through rich dad’s lessons. Without this financial knowledge, which I call financial intelligence or financial IQ, my road to financial independence would have been much more difficult. I now teach others in the hope that I may share my knowledge with them. I remind people that financial IQ is made up of knowledge from four broad areas of expertise: 1. Accounting Accounting is financial literacy or the ability to read numbers. This is a vital skill if you want to build an empire. The more money you are responsible for, the more accuracy is required, or the house comes tumbling down. This is the left-brain side, or the details. Financial literacy is the ability to read and understand financial statements which allows you to identify the strengths and weaknesses of any business.

  • @user-hf5ov2pt6f
    @user-hf5ov2pt6f Před 2 měsíci

    It is the knowledge of the legal corporate structure that really gives the rich a vast advantage over the poor and the middle class. Having two fathers teaching me, one a socialist and the other a capitalist, I quickly began to realize that the philosophy of the capitalist made more financial sense to me. It seemed to me that the socialists ultimately penalized themselves due to their lack of financial education. No matter what the “take-from-the-rich” crowd came up with, the rich always found a way to outsmart them. That is how taxes were eventually levied on the middle class. The rich outsmarted the intellectuals solely because they understood the power of money, a subject not taught in schools. How did the rich outsmart the intellectuals? Once the “take-from-therich” tax was passed, cash started flowing into government coffers. Initially, people were happy. Money was handed out to government workers and the rich. It went to government workers in the form of jobs and pensions, and it went to the rich via their factories receiving government contracts. The government received a large pool of money, but the problem was the fiscal management of that money. The government ideal is to avoid having excess money. If you fail to spend your allotted funds, you risk losing it in the next budget. You would certainly not be recognized for being efficient. Business people, on the other hand, are rewarded for having excess money and are applauded for their efficiency. As this cycle of growing government spending continued, the demand for money increased, and the “tax-therich” idea was adjusted to include lower-income levels, down to the very people who voted it in, the poor and the middle class. True capitalists used their financial knowledge to simply find an escape. They headed back to the protection of a corporation. But what many people who have never formed a corporation don’t know is that a corporation is not really a thing. A corporation is merely a file folder with some legal documents in it, sitting in some attorney’s office and registered with a state government agency. It’s not a big building or a factory or a group of people. A corporation is merely a legal document that creates a legal body without a soul. Using it, the wealth of the rich was once again protected. It was popular because the income-tax rate of a corporation is less than the individual income-tax rates. In addition, certain expenses could be paid by a corporation with pre-tax dollars. This war between the haves and have-nots has raged for hundreds of years. The battle is waged whenever and wherever laws are made, and it will go on forever. The problem is that the people who lose are the uninformed: the ones who get up every day and diligently go to work and pay taxes. If they only understood the way the rich play the game, they could play it too. Then they would be on their way to their own financial independence. This is why I cringe every time I hear a parent advise their children to go to school so they can find a safe, secure job. An employee with a safe, secure job, without financial aptitude, has no escape. Average Americans today work four to five months for the government just to cover their taxes. In my opinion, that is simply too long. The harder you work, the more you pay the government. That is why I believe that the idea of “take-from-the-rich” backfired on the very people who voted it in. Every time people try to punish the rich, the rich don’t simply comply. They react. They have the money, power, and intent to change things. They don’t just sit there and voluntarily pay more taxes. Instead, they search for ways to minimize their tax burden. They hire smart attorneys and accountants, and persuade politicians to change laws or create legal loopholes. They use their resources to effect change. The Tax Code of the United States also allows other ways to reduce taxes. Most of these vehicles are available to anyone, but it is the rich who find them because they are minding their own business. For example, “1031” is jargon for Section 1031 of the Internal Revenue Code which allows a seller to delay paying taxes on a piece of real estate that is sold for a capital gain through an exchange for a more expensive piece of real estate. Real estate is one investment vehicle that has a great tax advantage. As long as you keep trading up in value, you will not be taxed on the gains until you liquidate. People who don’t take advantage of these legal tax savings are missing a great opportunity to build their asset columns. The poor and middle class don’t have the same resources. They sit there and let the government’s needles enter their arm and allow the blood donation to begin. Today, I am constantly shocked at the number of people who pay more taxes, or take fewer deductions, simply because they are afraid of the government. I have friends who have had their businesses shut down and destroyed, only to find out it was a mistake on the part of the government. I realize all that. But the price of working from January to May is a high price to pay for that intimidation. My poor dad never fought back. My rich dad didn’t either. He just played the game smarter, and he did it through corporations-the biggest secret of the rich. You may remember the first lesson I learned from my rich dad. I was a little boy of 9 who had to sit and wait for him to choose to talk to me. I sat in his office waiting for him to get to me. He was ignoring me on purpose. He wanted me to recognize his power and to desire to have that power for myself one day. During all the years I studied and learned from him, he always reminded me that knowledge is power. And with money comes great power that requires the right knowledge to keep it and make it multiply. Without that knowledge, the world pushes you around. Rich dad constantly reminded Mike and me that the biggest bully was not the boss or the supervisor, but the tax man. The tax man will always take more if you let him. The first lesson of having money work for you, as opposed to you working for money, is all about power. If you work for money, you give the