As the famous Warren Buffet would say I only have two main principles when it comes to money and investing.

Rule number 1: Don’t lose any money

Rule number 2: Remember rule number 1

Watch this short video then read on

Even in these turbulent times of market volatility, extreme focus on political matters and the just passed presidential election we the people of the USA need to stand up and fight for our rights.We owe it too ourselves not to be financially sound so we don’t feel the impact of higher taxes, stricter rules when it comes to trading stocks and commodities.

So without going off on a tangent here my principles are equal to that of Mr. Buffet with one exception. I can’t afford to feel the set backs due to market volatility and I certainly can’t afford to spend my days, nights, lunch hours and breaks researching the thousands of stocks in hopes of a good buy.

Also I can’t afford to sit by and watch the market bounce from highs to lows every 15 seconds. Just as an indicator here I listen to KCBS AM Talk Radio out of San Francisco, they do a traffic report and money report every 10 minutes.

Every 10 minutes the DOW, Nasdaq, S&P 500 are up, down and down or slightly up. This goes on for the entire duration of the trading activity. Can you imagine your investments rallying or volleying every 10 minutes and having to stomach the losses.

Sure there are winners but was it luck or do you actually have a skilled investment adviser who can watch and recognize trends in their market.?

Did you know that not only do they get a commission for you earnings, they also earn a commission on your losses; that’s right on your losses because they charge a fee in the transaction unless you happen to find a charitable planner.

So anyway back to my title of this article buy land and wait, I have very specific reasons for my beliefs, 1st when is the last time you heard about the land market crashing, or a slow down in the production of new land? Are you getting my drift?

Land is a non renewable resource, land is the most stable and secure investment vehicle you can place your capital into for both preservation and long term appreciation. You owe it to yourself to learn the ins and outs of a practice called land banking.

Warren Buffet bough most of his fortune when Coca Cola was $0.25 per share. Twenty five cents a share, now I know he is regarded as the most respected and innovative fund managers of the year, however I couldn’t afford him personally for the fees he commands. His own private shares of Berkshire Hathaway were over $10,000/ share, Warren never believed in splitting.

So with that in mind you need to find a reliable source for your precious capital investments, can you afford not to? Take a look at why so many people are running scared from the stock market and looking for a sound investment that can offer safety, security, profitability and performance that is consistent of that of an athlete, or a finely tunes machine.

Learn the simple process of obtaining wealth through a strategy called land banking and secure your future, your children’s future or your heirs future. No matter what position you are in we can develop a plan to systematically grow your wealth to it’s fullest potential.

• Gaining more purchasing power using the internet. Using the internet you can search out new ways of gaining more purchasing power for your asset acquisition and wealth creation plan. When you log on to your internet open up your browser. Do a Google search for the following cards: American Express look for their “Blue Card”, MBNA/American Express......
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When it comes to business and life opportunities I should head to one warning. Once bitten twice shy should be the order of the day. You see I had always wanted to start my own profitable business and be the one stop shop for everyone.

The problem is I couldn’t serve every persons problem. They tell me “I already have a …fill in the blank…” or my prospects didn’t want what I had to sell. Then one day I was speaking to a very well respected marketer who asked me “who is your target audience?”

Well I have never been the same from that day forward. You see when you must become an expert in a niche you start to learn more about why and how instead of just who. Now you may be asking your self why is this important to me and my finances.

The truth of the matter is that it’s very important. Becoming a financially independent person involves the same logic. You see a marketer, network marketer or an internet marketer all face the same issues. Who is my target client?

For you it is more of a who is my target financial adviser, why should I trust them, how can they benefit me and why should I do business with them? You see marketers have leveled the playing field once and for all.

Information that has been kept secret to the elite is now available for all of those around us wanting to change. It’s now your turn to turn on the info seeker know as the little spot between your ears and listen to what’s being talked about.

I’m not talking about the everyday mainstream media I’m talking about what you never hear people say. Thing like paying it forward or investments that are not subject to the human factor called the human condition where Johnny follows Tim who heard that Sally was doing this or investing in that.

We use the world around us to cross examine our information and come up with a list of questions that will subside our concerns or fears and if you don’t get the answers you have been searching for keep on searching or uncover new questions. We simply ask it another way and see if that sparks the response we have been looking for.

Either way we as marketers have the knowledge and power to uncover what your deepest fears, concerns, and hot buttons as we call them then turn you onto some form(s) of solutions to solve your current impending crisis.

What does this have to do with changing the world around us you may be asking… Well in short it has everything. I just made you aware that your sub conscience is being exploited, your buying habits, your impulse shopping, your search for prosperity, medical research, pet concerns, the wellness of your children and loved ones.

Watch this short video below to see the power of three. Then from here it on out this is  the way life needs to be. A thought and and experiment in kindness. After the video is done look below and see my kind gesture for you.

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If you haven’t heard about all of the fuss within the financial sector you must have been living under a rock. The demise of financial giants like Behr Stears, Indy Mac Bank not to mention many other smaller institutions has led the U.S. into a financial devastation like never seen before.

With the focus on the secondary market player Freddie Mac and Fannie Mae being bailed out by the U.S. Government to save us from financial ruin. The focus is now pointed at the mortgage brokers and new regulations along with reform measures to be put into place.

Anyone with half a brain could have seen this coming. How does a janitor or a McDonalds employee afford a 400K, 500K or even 600K+ home and think that they are only going to pay less than $1,500 to $2,000 per month for a mortgage?

Is anyone blaming the consumers for all of this mess? I mean if everyone had followed the old tried and true rules for obtaining a house this would have never happened. Who would have ever dreamed that an underwriter would approve a minimum wage earner for a ½ million dollar house?

The blame for this whole mortgage and real estate mess could be summed up in a word…greed. If it weren’t for some new fancy marketing for a single mortgage program most of this would have been avoided.

Stick with the basic rules and you wont go wrong. Only purchase what you can afford. A mortgage payment (PITI – principle, interest, taxes and insurance) should not exceed 36% – 49% of your gross adjusted income.

The target is on 36% this called the debt to income ratio. You have a top and bottom ration the top is called mortgage payment to income vs. the bottom which is the debt – income ratio.

Every loan officer, banker etc can pre-qualify you in under 30 minutes provided you supply them with the proper information and credit reporting. Bear in mind that the lower your credit scores are the less of a debt to income ration you can have.

Preparing future generations to avoid failure and acts of greed is important to their over all wealth, financial health and physical health by minimizing stress, pressure from over extension and worry.

So in closing play it smart and get the proper information before you buy a life of heart ache and misery, also if you can’t afford it in 30 years why drag the pain on for 40 or more?

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Call it bragging or whatever you like I really don’t care. I have made the commitment to change the world or at least the largest portion of it that I have the ability to touch. Personally I may not be able to save the planet although I sure am going to try.

When we started out in life we were versed in good vs. evil and right and wrong. I have to ask “what went wrong”? We’re a society built on deception.

Credit and fraud, predatory mortgage lending, land banking fraud, illegal stock market scams and the list goes on and on. Even corporate deception and scandals have had the spotlight in recent years.

No matter what you do a certain part of deception is thrown into your daily life every single day. Your effected by it in the reflection of your costs of living, fuel, food, inflation, interest rates and general higher costs of commodities.

Your life may even be filled with fragments and splinters of deception in the ways that you manage your life. How are your finances handled, are they organized, balanced, tracked to the penny in real time?

Are you the model employee who shows up to work on time and performs at your best or are you just sitting there filling a seat and earning a check? Deceit and deception are most times easier to fall into the traps of their ways rather than fighting for the right.

This is why I say one man can make a change a change for the good of humanity and a change for the good of himself as well as others. Let’s make the commitment to perform in ways that are for the overall good and benefit of mankind.

When we perform at our peak level in everything that we do we feel inspired and driven to continue the process. For the most part it only takes a little more effort to do the right thing anyway. Why would you jeopardize your self esteem and self worth by performing under par when it’s no harder to do the right thing?

So here is the scoop I said I wanted to make a difference in peoples lives and I have made the commitment to excellence. For every individual who makes this commit to excellence and master the art of life I will join you in your pursuit of happiness.

Make the change in your life and see the results happen for you and your special ones close and dear in your life. I’ll guide you in every way that I possibly can to assist you in making the commitment. A commit to master your life financially, spiritually, and set forth the foundations to solidify your new found passions for greatness.

Commit to master your self and you will inadvertently change the world around you.

Commit to master the world around you and you will inadvertently change your self. The two are intertwined with one another. You cannot change anything however until you decide to find what you need to change in your own self. Enough said about change and commitment you already know if you’re in or you’re out. What your game plan is.

If you don’t have one you need to get one and get it right now. Opportunities for wealth, change and a brighter future are abundant and flourishing right before your very eyes. The issue at hand is you are too afraid to grab a hold of what’s in front of you.

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Product launch date 08/19/2008 Internationally respected company launches new Tranquil Sleep Now program to help people get a better nights sleep. Financial marketeer Ryan Wegman has released his third publication titled “The Pillars of Wealth”.

For the first time Ryan is revealing his story of triumph over adversity and challenge. Now tis Author wants you to spill your guts with your dirty little secrets.

How do you manage your finances and where do you seek assitance in repairing the damage caused from poor financial managaement?

Take a few moments to jot down the areas you are concerned with in your life and let Ryan develop your new game plan. Make the Commitment to Mastery today.

Ryan is a cash flow specialist, real estate investment coach and mentor, infopreneur and internet marketer. His personal mission is to end financial illiteracy and create wealthy, hea;lthy financially fit families for years to come. Learn more about Ryan and his land banking and financial services.

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