Tag Archives: cash

Fractional Reserve System versus Central Banking System

There is a world of difference between the “fractional reserve system” (FRS) and the “central banking system” (CBS). FRS merely spreads out the money deposits in the form of loans, and the total sum of deposits plus debt never changes. FRS is a kind of “leverage” on the deposit of money that strongly depends on […]

Guru Interest Rates

I am often astonished at the real estate “Guru” who charge outrageous (unpublished) interest rates for their products. As if their astronomical pricing isn’t bad enough, they offer time payment plans that are nothing short of usurious, making high credit card interest rates seem reasonable in comparison. I recently sat through a yet another long-winded video […]

New Wealth Creation Information Product

I just released my latest wealth creation information product. It is called (drum roll, please): “How to Pyramid Your Equity to Create Wealth and Financial Freedom” It’s a thick, jam-packed (over 100 pages) special report PDF with forms and spreadsheets. It explains several ways of creating or leveraging equity so that you can, with very diligent […]

Decrease Expense or Increase Income?

I just posted an article “Decreasing Spending versus Increasing Income“, which talks about why increasing your passive income is better than decreasing your spending. Many so-called “personal finance experts” are too focused on decreasing expenses. In general, decreasing “bad spending” is good. I just think that you should focus more on increasing your income by […]

Risk Spread Premium

Risk Spread Premium I just read a short article from a real estate guru. He was talking about the “Risk Spread Premium” on real estate Capitalization (CAP) Rates compared to the 10-year US Treasury bond. His basic assertion is to compare the difference (spread) between the average CAP rate of income properties to the yield […]