Finance and Refinance

“Don’t be evil.”

In a shitty world we are living now, Google positioned itself as a white knight with shinning armor. They inspire people through their way of being, they invest in alternative energies, it’s a great place to work there. Correct? Google seems mega-uber-cool.

So google, the most powerful company from the face of the earth is GOOD? They have so much money and sooooo much information about everyone… I hope so, but unfortunately, i don’t think is the case. Based on the following fact: human people are polarized, like magnets.

We keep saying that “those” are good and “those” are bad. And in an ideal world, the “bad” should be eliminated from the scene (either via conversion, either jail, either other measures), so the good people remains. We all dream at an utopia society, where crime, hunger, poverty, war are zero. So, if we could separate the good from the evil, and put all good people in a place, will that place be Utopia?

I don’t think so. Because, even if we put ONLY good people in a place, they start polarizing again. Some become negative. It’s just like the magnets. You can cut a magnet in half, to have only the positive pole. But u will only get two magnets.

Human nature is such. Perfection is not possible. We will keep have a positive/negative balance. Ying-Yang.

So, Google must be Bad. But it is also good. In various proportions. Here are 2 more considerations:
a. people inside google statistically should also be evil, as long as the rest of the population.
b. even google would be perfect positive, the other centers of power from the world/USA will want control over google. CIA, banks, nations, guilds, riches families in US, etc. The fight for the power will not let google be positive for ever. However, it’s marketing positioning can still be that. People need hope, need a guiding light…

I read tons of books on success and now I have my own theory.

Success (in business, life, sport, whatever) is like a vector.

There are 4 elements of a vector.
1. direction
2. point of origin
3. the module
4. the arrow

1. Direction
In order to have success, you need to be CONSISTENT. If today you are selling boats and tomorrow women tampons, you are not building momentum. People that change frequently the jobs, like socks, are in this fase. They don’t know which directions to head on. In order to have success, you must be consistent

2. Point of origin
It’s very important your background, your resources, your knowledge, your connections. From where you start in your endeavor. If you have “The right stuff”, it means you have an edge, versus competitors that have less then u

3. The module
This is the amount of energy dedicated to the project to succeed. You can be focused, you can have a lot of resources but if you are not fanatical about it, it’s in vane. Your project has less chances to succeed if you do not allocate enough energy. That’s why projects with fewer resources have succeed where others have failed.

4. Arrow.
or extreme focus. The sharper you are, the most focus you have, the biggest chances of getting through.

That’s why X is my motto. It means infinite focus.

To exemplify even more the secret of success, i would tell you about a karate guy, who wants to break a concrete piece with the bare hand.

The direction should be straight (not oscillatory, because he will loose energy)
The starting point should be carefully chosen. He cannot start the stroke from 2 inches from the target. Also, he needs a lot of training
The module is the full energy he put in his blow
The arrow is the single point of contact. If he would hit it with the chest, the results would have been much more disappointing the the bare hand. Same energy, smaller surface, more impact.

Luck has it’s importance, but is not mandatory. If you look at the most successful people, you will see that the common element is perseverance. They build momentum

I hope this secret of succes will help you be more … succesful

My wife keep bugging me to make savings… financial or not. So, I become an expert in saving money, not only in making it. Let me share the wisdom. Don’t laugh too high:

1. plug out the appliances when you are not using it.
The air conditioner over the winter, for example. Or TV, computer, etc when u are going in vacation. Take out the phone chargers when u are not using them (u only use them for one hour during one week – the rest is just consuming watts).
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I see two categories of stupid people. The happy+honest ones and the frustrated+ego ones.

The first category of stupid people are to be envied. They don’t need much to be happy, their life is fulfilled and they coexist in peace with the rest of the humans. These guys are working hard, they go home, they trust their god (no matter how they call him). They are cool.

The second category, which makes me crazy, are the stupid, ego-centric, frustrated ones. These stupids want to demonstrate that they are better then the rest. That they have success. That they are cool and aspirational. Usually they wear flashy clothes, they do “businesses”, they try to work around the system. The “manage it”. Most of them are frustrated because they are poor, but they are not doing anything to get out from this situation. Or they try to go for the easy way, which usually brings them to jail. They try to emanate fear and/or respect. They are stupid, with a low IQ, but they consider themselves very cool. They think they don’t need school, education, help from others. They KNOW what to do. Who do u think u are to tell them what to do. U should go f**k yourself.

These guys deserve to be poor. They are stupid and they piss around everybody with their stupidity. From financial point of view, these guys will always be slaves (hookers, waitress, professional jail-inhabitants, cashiers, minimum wage holders).

A stupid person is not stupid anymore when he understand it’s limits. And he/she is trying to do something to overcome them. The rest deserve their faith. The society will always need slaves. Not everybody is supposed to be smart… This is life.

The idea is to own stocks from people lives.This is the way to make really big money

Let’s say I am earning 1,000 usd/year and I will live for 60 productive years.

If I buy an insurance every year for 50 usd/year, that means that 5% from my life I am working for AIG masters.

Also I am working for Nokia (every 2 years another phone), Audi (my ever changing car, with high devaluation rate), Citibank (interests, commissions, etc), Wall-Mart (food, water, …), Pfizer (drugs), Coca-Cola, local mafia, US government (through taxes) etc…. all of them own a piece of me. I work full percentages of my life for various masters. I am slave on their backyard. Because I choose to buy various stuff from them, in order to get some sort of added value.

So, the bet in how to make big money is to own from as many people a larger stake as possible. The US state is the biggest master. You HAVE to pay that master, otherwise IRS comes after you and you go to jail.

So, if you want to have a business, consider how can you make as many slaves as possible. There you have the BIG money

Is Global Finance a zero sum game?

When I was a small kid, I learned in physics that nothing is wasted, everything is transforming. And everything is a zero sum game.

During the past decades, the economic theory somehow made us forget this. We see that from decade to another, global finance put us in an every upscale economy. We see more money, more developments, more credits. It seems that we are developing and everybody is winning. Or that the sum of winnings is far bigger then the amounts lost.

But I think that everything pays up eventually. There is no such thing as a free lunch.

The global finance now is hardly hit, because of the unsustainability of the system. Together with the finance is also the world economy.

And you know which is the bad news? That this situation will repeat in the future. Because humans are greedy and want more and more possessions. Global finance system helps in this respect, accumulating more and more money and debt notes from every individuals and nations.

Globalization is a problem. Global Finance, together with greed amplifies this problem to unprecedented scale. We will live some interesting times…

We are in a deep economic hole. And we still going down. Nobody knows for how long.

Most of the people only looks at the next step. At the very present. And they feel depressed (if the situation is bad).

Yes, we live bad times. However, sun will shine again on the economy. So it’s gonna be OK. And after that it will be again depression. And OK again. And so on. Good-bad, day-night, optimism-pessimism are cyclical. Understand this and you will not be so influenced by external factors

Here is a financial dilemma:

we have 2 companies: A and B. A owns 60% from the B’s stock. Then, during this recession, B buys 60% of the A.

Now, who’s in charge?

Most of the people are interested in a disaster only when they affect directly by it. Not a second before.

So, most of people are watching tabloid news, like they are brainwashed or something. Maybe news on depression are too paint full to watch. Or simply they are low-IQ, classic-people, narrow-minded and are more interested in entertainment then in knowing reality.

How stupid are we! How self-sufficient! And we are surprised that our governments don’t give a penny of global warming, pollution, solving the big humanity problems,…

What a joke…

NOTHING.

We, humans, are greedy. This is our nature. We want more and more. Finance is a way to get more. We always run for an easier way to earn money.

And we will always do that. Utopian societies are …. utopic. I think the greed is deeply embedded in our genome, and we always look to the financial aspect of our life. As comparison, we want to find a way  to check all 5 levels of Maslow Pyramid. Money help us check all 5 levels.

So, we will not learn anything from this financial crisis. 99% of humans are plain stupid. They are only interesting in short term and in their life only. They don’t give a damn on environment (until they are hardly hit), in financial slavery, in laws that are not affect them directly, in things that are not sustainable,… So they will look further for ways to make profit. And profit is not a zero sum game during a year. It is, however on longer periods, when markets are regulating themselves

We will keep running for profit. We will run further into crisis after crisis. Because this is who we are. Stupid, egoistic, self-center individuals. The perfect viruses for this planet. We consume every resource we have in our disposal.

So, good luck to us all…

Be smart. At least you can learn from this crisis is learn when it wil be the next downturn, and not to be so greedy, when you should mark up your profits at the next buble