Ladies, are you a Financial Prisoner?



Are you a FINANCIAL PRISONER?  The title addresses women however this can apply to anyone, but for the sake of keeping this post brief, I would like to focus on women, and more specifically married women.

First,  I would like to stress that what I am about to say will make some people feel uncomfortable, but will hopefully open your eyes to a worldwide problem that I have witnessed in my life of observation.

So, what is a Financial Prisoner? It is my definition of “someone who cannot get out (confined) to a situation because they can’t afford to or don’t have the financial means to do so. Anyone could be a financial prisoner. I have always said “Money does not Buy Happiness, it Buys you FREEDOM” Freedom IS A FORM OF Happiness.”

During my life experience, I have met many wealthy, unhappy people and numerous happy,  poor people. The one common denominator is Freedom.

Some examples of a financial prisoner? I think the most popular Financial Prisoner is the person who can’t leave a job they hate because they can’t afford to do so. However, you can also be a financial prisoner to your home because you can’t afford to go out. You can be an FP to your country because you can’t afford to travel outside it etc.  Hey, you and I both know we rarely see a rich person spend time in jail because they can afford to pay the best lawyers and post whatever bail that is required.

But the FP, I would like to focus on is the Female Financial Prisoner. The wife or lover who has to stay with the cheating, abusive husband, who has been providing the financial support for the entire family but has not invested a cent into giving his wife the time or support to grow financially or intellectually.

There are two types of women I have encountered in this situation. The woman who has given up her career to have kids and become a homemaker and have not invested any money or time her husband has given her. Then after many years,  the marriage has taken a turn for the worst, and she can’t afford to leave. Forgive me but, I don’t have a lot of sympathy for these short-sighted women. They have a closet full of clothes and shoes, have tasted every different type of cappuccino and been to every, gym, pilates and hot yoga class, but never invested a dime into securing her financial freedom thinking the money train will never stop, until it does.

The second is the wife who has a husband who has provided her nothing but the bare minimum to support the household and not paid her (salary) to take care of the home. He uses financial shackles to keep control of her intentionally. This woman have my sympathy because she didn’t have much of a choice. Tradition or culture convinced her that she would not be a good wife or mother if she were not at home taking care of her husband and kids.

Ladies, please take some advice and find a part time job or better yet a little online business to earn a few dollars a day. Trust me. Eventually, it will add up, and you will have OPTIONS. Options is another word for FREEDOM.   I have introduced a few people to online businesses that require little or no financial investment and very little time, but because they all need time to build a significant amount, some reject the idea. My question to them all is this, What other options do you have?  You can stay and suffer, and still be broke sitting in a relationship you want out of for another 2-5 year or in the mean time start earning and saving a few dollars over those same 2-5 years. You will be amazed by how dimes can become dollars over time.  But, hey, I don’t want to be Mr. Negative, hopefully, you would have worked out the problems with your relationship, but if you didn’t, you will have another Option or FREEDOM.



FaceBook is a Pyramid Scheme that didn’t pay you.


Pyramid Schemes

Yes, the same principle that built FaceBook, Instagram, WhatsApp, Linkedin etc was based on YOUR EFFORTS  of inviting your friends into a network that fooled you into thinking it was FREE. Just because you are not paying in cash doesn’t mean it is free my friends. In the Digital Age YOUR information is CASH MONEY.  The worst part is, none of these multibillion dollar Companies  paid you one cent to say thank you for giving up your information and recommending your friends to do the same.

So, what is wrong with this system and why am I writing about it?  As someone who has a degree in Marketing and  understand the amazing power of “Pyramid Schemes (bad name) aka Network Marketing, MLM,  Referral Based Marketing and any other name you have for networking,  I HIGHLY recommend them as a method TO BUILD A BUSINESS, as they are the only and I repeat the ONLY method for any small business to grow WITHOUT GOING BROKE SPENDING MONEY ON  MASSIVE ADVERTISING CAMPAIGNS.

Think about it, wouldn’t you love to have your friends, family and small circle of influence recommend your business to their friends and have their friends do the same? If you answered No, you are an idiot and should stay in your 9am-6pm dead-end life. The clear answer is YES.. Well dear friends welcome to MLM, Pyramid Marketing, referral system etc. whatever the hell you want to call it. The movie industry, your hair dresser, restaurant and even your  drug dealer depend on you to do the same, refer business to them.

The term “Pyramid Scheme” got a bad name from the media back in the days (google it) however it is not the system that is the problem, it is the company and the product that must be carefully examined. If there is no product,  it is a Ponzi Scheme. (google it , if you don’t understand what Ponzi means).

I am writing on this subject today simply because I was telling a friend of mine about a referral based system I am involved with and was recommending it as a way she can make some extra money and build a little savings on the side with very little time. She dismissed it as  unethical due to the fact that it was a referral system. I was a bit put off for  two reasons, 1. she thought that little of me that I would be involved in something unethical, even though I have worked with her husband and helped earn her family an income  for over 5 years in my traditional business, 2.  Now this poor mother works and commutes over 15 hours per day to earn crap wages and have no other choice and casually dismissed the only method that will earn her some extra income. She did not understand and refused to examine with care, a common problem with “workers”.

Sure the digital world is a mine field that most people have a hard time navigating.  Yes, you must tread carefully, however if you want to get from one end of the financial field to the other you have to take a step, examine the ground and step again. If not you will die a cold financial death standing still. Entrepreneurs  understand that there are risk in taking a step, but they also know the risk of not taking one is much greater. Remember your money sitting in the bank is loosing value, not only with no interest but those damn bank fees are eating away at every single month.



If the first question you ask is “When would I make my money back?” Entrepreneurship is not for you.


As I speak more to groups and individuals on the outstanding benefits of  entrepreneurship online vs traditional, this is the question I am asked. When do I make my money back? I have to bite my tongue to hold back my frustration because I know that this individual has been trained and programmed to think  as an employee, who expects his/her pay check on a particular date.

I also blame the internet and all the get rich quick ads we are constantly bombarded with. The internet is both a blessing for opportunities and a curse because of the “extreme promises” to lure people to take action.

I love to compare the game of entrepreneurship to fitness.  1. Both requires your daily attention i.e. diet and exercise 2.  only you can do it to succeed i.e. no one can do the exercise for you and If you are not watching your business someone will screw it up (trust me I have been there).  

All the Ads  regarding how fast you can loose weight and get a six-pack is the same bullshit you hear about how fast you can make money online. Granted, you can loose weight fast and  make money but the chances of you getting hurt in the process are equally great.

In reality an online business is exactly what it is, “A Business “. With any business you invest and build until you can pull a salary without destroying the very thing that is paying you. In today’s climate, I expect to build my online business assets between  5- 10% PER MONTH. To me that is more than exceptional when my bank investments are only paying me  0.25%-2% PER YEAR.  If anyone is making anymore than this please make me know so I can fire my investment bankers.

Patience and discipline is the key to being a successful entrepreneur, regardless if you are a brick and mortar or a digital investor. Find a company which operates or provide a product that wont die, investigate it’s track record, and only invest a small amount that you can afford to loose if it goes bust. Find a few of these companies and spread a few dollars among them. If one does go bust look at it as a lesson learnt and move on to another.  I am currently invested in three (3) solid companies that have great track records and one (1) that has just started up that is offering great returns, that is why I am taking the risk. If you are interested in knowing more send me an email and I will share.

These are just my opinions and not business advise. Go forth, take a risk and enjoy the rush of trying something new to move you closer to better financial life.


Employees, Stop giving your company 100%


Gone are the days when total loyalty to a company is rewarded. Gone are the days when you worked for a company and retired with a great pension.  You,  my humble employee, are only a small part of the dynamic engine of profit and when that engine is no longer churning out profits, you will be discarded, to be replaced with a cheaper “foreign brand”, a more efficient “newer model” or more humiliating,  a “virtual model” from an online source.

Last week, I sat with one of my entrepreneur friends who had to sever a large portion of his over 200 staff members because of a massive fall in revenue due to the drop in oil prices. The cold harsh calculation to determine who to slash was conducted like a surgeon slicing  unblemished skin to remove a cancer. The goal,  reduced payroll by almost 50%, in order to keep the company breathing . Each employee’s roles were examined to determine if it was essential. Could their job be outsourced? could it be automated? or could be merged? It was a difficult but necessary undertaking for the survival of the entire company.

But where does this leave the hard working employee who gave 100%?  He or She stays late without overtime pay, works through lunch, takes on extra task, and have been with the company for over 10 years? They have kids, loans, rent, school fees and as expats, some have financial obligations back home. The company’s severance package was crap to say the least and the possibilities of getting a new job in a declining market is very slim for the young 20 year olds and even worst for the unprepared, middle age person at the top of his/her pay package for their role.

You my dear employee, should have asked yourself? Why should I give 100% to this company knowing full well that the possibility of them discarding me, not if but when, something changes?  These changes could include one or more of the following…

  • Company being Sold
  • Profits drop
  • Company merges with another
  • Technology can perform my task
  • A  younger, cheaper graduate can do my  job with tech
  • or it is cheaper to outsource my task to some guy in a village in India.

You my friend, are screwed if you failed invest a little time either in some type of portfolio or even better, investing some of your time into a small part-time hobby based or online business, that requires some flexible time.

In reality, we will all have to become entrepreneurs in-order to survive in the modern workplace. We are in a era of massive digital transition due to the internet and the ever increasing pace of technology. Fact…more business is done online now than face to face. You have to find the opportunities in this new shift or face a slow financial death.  

World economic crisis are occurring at a much faster rate as global integration become greater. You, the employee are more disposable as technology become more developed.

You must take some take sometime from your employer for your financial survival. Yes, give a lot to your company, I recommend 90% then take 10% to invest in yourself.

If you are not putting the pennies you earn online  every day you will be one poor, old depressed SOB looking for a handout in your old days.

My advise to fellow EMPLOYERS, “Give your staff space to grow within or outside your company”.

Encourage and provide time to study or learn other skills within or outside your company. This creates loyalty and harmony from your workers. Gone are the “my workers” or “slave mentality” that is still very prominent in the Middle East.  Better yet, sell them stock options in your company. Nothing is better than having a worker who is Invested in his company. The idea that cheap labor is readily available and every worker can easily be replaced by an obedient desperate worker from India or the Philippines  is a much more expensive and disruptive proposition  than having a happy loyal worker that is flexible because he or she is trained to think for your company and not just follow commands.
Hey, but this is “just my opinion”.


Time is not only Money…Time is Life

What is obvious but must people ignore… TIME is NOT MONEY as the saying goes, It is more important than that..TIME IS LIFE…This only becomes very clear when you are at the end of your life with a terminal illness or old age unfortunately.
Yesterday a dear friend of mind was telling me how he waited, as a favour for 5 hours sitting in a government office, because the person he was helping forgot the appointment that was originally set. So they had to wait for 5 hours before being seen. I asked “did you get anything else done while you waited?” . He replied, No…
Now, I respect the fact that we all have to make minor sacrifices for others however, giving that much time to someone is not advisable even if the person is a family member. If you want to accomplish more in your personal life, stop others from stealing your TIME/LIFE. It might sound like a small thing when you wait 15 mins here and there, however if you start becoming aware of how much others steal little pieces of your time/life and then add it up by the week, you will soon see where you are wasting time that could be used for starting something big.
I HAVE NO TIME is the second most common excuse people give for not starting a business. TIP… Start being time aware, by logging every hour of the day for one week to see how much LIFE you are wasting on other people issues. 🙂