1. LEARN
LEARN - EARN
- EARN
Would you prefer to
live in between your
means
or expand your
means?

2. Just a few thoughts to start with; I look at things this way > Are you aware about
the proportions of your earning Vs your spending daily, monthly? I guessed so. Now
ask yourself..
If you were lent 100,000($35) what would you do to double it in 10 hours?
If you were lent 17Million ($6300) what would you do to double it in 10 months?
If you were lent 90Million ($321,500) what would you do to double it in 18 months?
…very interesting & confusing! Which lane gets me there quickest & safest?

3. Ease that burden!
In this capitalist world it is important to
be cash-smart & take note of;
how many people Vs How many people owe
you owe money you money!
If this balance tips out of your favor,
fight/monitor it closely with all
your abilities & reverse the equation.
FAQs (Frequently Asked self-doubt Questions)
-Is it possible to double/triple my monthly
income? Where/how do I start?
-What can I do to achieve that?
-I am educated in another line of work.
-Where would I get the capital to utilize?
-Isn’t that business risky? It needs time.
-Supposing it fails? I have heard stories.
-What will my peers think about me?
-Do I know that line of operation?
...besides I am still safely employed.

4. Face it, your answers to these questions reflect your wishes, tests the size of
your business perspectives & abilities for doubling/tripling even larger amounts.
So, what cash choices are you making? Let’s think about the two men below who
were lent 100,000 ($35) each, just to test how fast they could double & refund it.
Slow money (PERSON-A: took five Fast money (PERSON-B: needed only
weeks to double 100K i.e. slow ideas; He five hours to double 100K i.e. fast creative
kept his cash under mattress & its value thinking >> He quickly buys 100 T.shirts from
reduced over time! He was held back by down-town & sells them repeatedly uptown for
fear, self doubt & refusal to learn & act. 1,000 profit each). His cash velocity is high.

5. Slow money is stable, less risky with low velocity.
Fast money fluctuates, high risk & has high wealth is measured in time not money i.e. the
velocity. time you can survive comfortably without working
Slow money can be used to secure fast money. for money. It is not the quantity of your cash in the
bank/pocket.
Academic intelligence(great scholars; Doctors,
Engineers, Scientists, Lawyers, etc..) varies from I believe that your demand & supply of money
Financial intelligence (Rich & well-to-do traders).
should be countered by a dynamic supply of
Money is just an "idea”. Money is a derivative of great ideas.
taking action on your great ideas. Pursue the
great ideas, not money. So, ..who is eating who?
Technically speaking, Money is never yours or
mine! It’s governments'! Legal tender for all.
what you buy using the money while it’s still in
your hands is what you may call your property.
Now ask yourself if what you intend to buy will
attract more money or further expenses?
The true cost of buying an item also includes it’s
cost of use, maintenance, repairs, servicing,
storage etc.. (if applicable) up to point of
disposal .
“Intellectuals solve problems, geniuses prevent
them.” A. Einstein

6. PAPER Vs IDEAS
Don't smile too wide just because you have
idle cash in the bank. Your Idle cash is a great
asset to creative go-getters! It’s true value is
eaten up by hidden/silent bank charges,
inflation & unforeseen international events like,
the impact of sudden, unpredictable Global
Economic crises/ The E.U fluctuations, the 2007
bubble–’credit-crunch’.
The heavily indebted Cyprus economy almost
past legislation to have all bank deposits taxed
by over 6% to ease it’s E.U obligations.
In 1924, German cancelled its currency & printed
new notes to fight hyper inflation;
In 1987,Ugandan currency was devalued. In
2007, the Zimbabwe Dollar by 16 July officially
surged to inflation rate of 2,200,000 percent
(almost surpassing the Hungary-1946 record);
For salaried employees with tax & deductions at
source, it implies that in total the first five
months(over 41%) of your annual salaries are
used just to pay taxes, loan installments, staff-
group schemes & all other deductions if any.
In photo; Sweeping up the banknotes from the street after the
Hungarian pengő was replaced in 1946.

7. Our Schools taught us about everything, . . .except the workings of money/wealth
creation issues or risk exposure management. Risk is proportional to profitability. Simply
put, calculated risk determines great continuity.
The focused (rich people) buy assets which attract
more assets (contractual investments like>> 'paper
assets' >capital gains on bonds, mutual-funds,
The poorly informed get easily convinced company stocks, Forex-trading, consultancy Co. in
into unbudgeted impulsive expenditures, tax, law, marketing, education or property resale,
unplanned-for loans/top-ups just to buy Fast foods, rentable space, pick-up trucks for
liabilities they think are assets (large houses
on mortgage, huge engine cars, costly neighborhood garbage collection, retail groceries,
electronics & an endless flashy life style just filming, hardware or vehicle dealership, tourist
to match-up to each peer expectation). mini-van guide for hire, poultry/fish/bee/mixed
farming, micro-money lending, fruit juice
beverages ..& other down to earth activities for
..Simplicity is the hardest! starters.

8. Look at this; ..I like to call it “Beautiful Chaos”! An initial investment in an
asset (attracts income instead of expenses) can likewise deliver an intertwined
extension of other income generating assets. Graduate upwards from less
sophisticated projects. Thus, ..the beautiful chaos!
..Just imagine what this can do for you!
Accounts,
INITIAL EXPENSE Tax, law firm
SCHOLAR
ON AN ASSET(1) STATIONARY
e.g. poultry farm 7th ASSET
Fruit
juice 3rd ASSET Passenger bike
e.g. bee farm EVENTS
MANAGEMENT
2ND ASSET
e.g. Salon
8th ASSET
ROPERTY e.g. grocery shop OFFICE
Re-sale CLEANERS
6th ASSET
4th ASSET e.g. tailor wkshop
e.g. catering 9th ASSET
e.g. money lending
Construction 5th ASSET Soap
& hardware RENTABLE
e.g. Co. stocks making SPACE

9. Its Something everybody knows; only a few care to invest the time to
understand/learn. Sustainability is derived from having various projects/ideas
expanding/working for you even in your absence/after you leave planet earth. The poor start
with luxuries first, then end with saving plans last >>while the financially literate do the reverse!
ASSETS (Company stocks, rentable LIABILITIES (expensive car, big
space, transport, saloon, take away,
land resale, mixed farm, micro house, costly electronics &
lending, loans (borrow other unbudgeted flashy lifestyle)
peoples' idle cash)
• Puts money into your pocket. • Takes more money out of
• Repays your debts/loans. your pocket.
• Appreciates in value over time. • Makes you borrow more.
• Guarantees continuity after • Depreciates in value over
retirement/in your absence. time.
• You become a burden to your
offspring & It all dies with you.

10. Learning perspectives;
• The Employee ; is given 30 fish at the end of the month (e.g. $500 salary). Is bossed
around irrespective of qualification.
Your Idle cash in bank is a great asset for borrowers(creative go-getters). Now think
about this; ..the first five months’ of your annual salary (i.e. Jan to May/July 41%) are
used just to pay taxes, loan installments, staff-group schemes & all other deductions.
• The Self Employed; learns to make a fish net to catch his own fish (e.g. can earn over
$10,000). Bosses self; they are very specialized (e.g. dentist, auditor) & do their work
best by themselves.
• The Business Man; learns to control the owners of large fish nets (e.g. can earn over
$50,000 monthly). Boss to his staff; to attain his ends seasonally. Has the second
highest “money-velocity”(i.e. the rate at which money makes more money)
• THE INVESTOR; learns how to own a whole lake full of various fish & manage expert
fishermen (e.g. can earn over $500,000 monthly). Oversees the management of
his lake(s). Has the highest “money-velocity”.
Fortunately, you can operate in one or more levels.
Unfortunately Some people will never get to know/understand these dynamics.
MONEY WILL TREAT YOU THE SAME WAY YOU CHOOSE TO TREAT IT .

11. THE TRENDS; i.e. SERIES ONE >EMPLOYEE(with a static income);
SERIES TWO >SELF EMPLOYED (incremental income growth) & SERIES THREE IS
FOR THE BUSINESS MAN/ INVESTOR (with a great exponential income growth).

12. WHAT NOW?
…I like this quote;
"We always spend more than we
have, on things we don't actually
need, to show off to people who
don't care, trying to make
impressions that won't last”.
we have all the means but don't
know it's true meaning.
Your "Not-to-do" list is just
as important as your "To-do"
list.
By Byaruhanga Lincoln