DEVELOP YOUR FINANCIAL IQ

TABLE OF CONTENTS

Chapter #1: Foundation In Financial IQ                                       6

Definition of Insanity                                                                      6

What is Money?                                                                               7

Awareness Before Change                                                             8

Time And Money                                                                           9



Chapter #2: Ways To Achieve Wealth                                         11


2 Wealth Building Models                                                             11

3 Ways of Making Money                                                              13



Chapter #3: The Most Important Rule In Investing                     15


What Does Investing Mean To People?                                        15

Invest in Yourself                                                                            15

The importance of Financial Education                                        17



Chapter #4: How To Get Out Of A Financial Mess                     19


Defensive Strategies                                                                        19

Offensive Strategies                                                                        20


Chapter #1:

Foundation in Financial IQ

Definition Of Insanity

Naturally, most if not all of us want and crave for something better. It is all part of us if we want a bigger car, a better house, buying good things for the family. We keep hoping for more but, in order to get what you don’t have, you have got to do something you have never done before.


That simply means:

Doing the same thing over and over again YET expecting different results!

As an employee, you can’t stay at the same job forever and hope that a miracle will happen and your boss will suddenly give you a raise. You will be lucky that there is no downsizing in your company. Switching to another company will only provide a short term solution to a long term problem.

Sure, you can take up a second or even third job, but do you have enough hours and stamina in a day to sustain it?


The bottom-line: Trading time for money isn’t wise financial sense in the long term. You keep on increasing the hours just to win the rat race, but in the end of the day, you are still a rat on the mill!


Increasing your wages only puts you in a higher tax bracket. Your salaries increase but so does your expenses on your house and car. How will you invest in yourself when all the time you spend working for a company, working for the government paying taxes and working for the bank paying off your house and car? What if you fall sick and can’t work tomorrow? Will the government take care of your family?


I highly doubt so.


So isn’t it time you take your finances a tad more seriously?


What Is Money?
You see, there are many ideas of what people think money is.
Some say it is a form of measurement.
Yes, but a measurement of what? Wealth? In the olden days, people measured wealth by how many cows, sheep and horses they had. But do people measure wealth today by your cows and horses? How about slaves? Was there a time where manpower is considered a hot commodity? Are slaves worth anything today? Are your dollar bills sitting in the bank going to protect you if a recession strikes the country? No, wealth can not be measured by the dollar bill.


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