The Differences Between Investing & Gambling

Or... Gamblers Are From Mars, Investors Are From Earth

By Scott Kalechstein


Investors do a lot of research before risking their money; Gamblers impulsively jump in.

Investors usually start small and build after a successful initial test spend; Gamblers are in too much of a hurry and start with a bang.

Investors hope for the best but factor in that losing is part of the process; Gamblers hope for the best, and crash emotionally each time they lose.

Investors are detached and disciplined as they stick to a plan they follow; Gamblers follow their whims and passions.

Investors enjoy building towards gradual increases of profits, with occasional losses; Gamblers get high off of the adrenaline rush of risk and the quick fix and promise of a huge pay out, and get very discouraged and depressed when they inevitably lose big.

Investors only invest what they know they can afford to lose; Gamblers risk much more than what they can comfortably part with.

Investors diversify, minimizing the risk; Gamblers get emotionally involved with one or two programs they think will 'save' them financially.

Investors know that all internet investment programs are high risk; Gamblers dwell in the fantasy that they have found the exception.

Investors know that all internet investing is gambling; Gamblers think that putting money in high yield internet programs is investing.


A personal note - I must confess I actively strive to be more of an investor and yet at times I act like a gambler. The purpose of pointing out the contrast is to inspire us (including myself) to be more conscious, intelligent, sober, grounded, and realistic when it comes to investing, and also ultimately more successful. It always pays to have one's feet planted on the ground

Telling Others About Online Investments

Do you tell people about your investments? Do you sell them? Do you push? Or are you at the other extreme, not mentioning them at all? Are you too embarrassed, too afraid they will think you are a gullible fool for investing online?

I've been there - on both ends of the spectrum... a little pushy, totally silent, and have finally found a place of balance between the two polarities that feels right for me.

Yes, I want everyone that I love to know... "Hey, I have been making over $400 a day from Cash Tanker, I am supporting my family with it, and you can too!" But then I think about what happened with Pathway 2 Prosperity, a program I made $5000 profit in last year. I got my sister involved, she put $1000 in, and she lost it all when the program spiraled downward. That sucked. All programs have a beginning, a middle and an end, and they are not at all predictable.

So I feel both cautious and excited about my friends and family getting involved with this stuff. I tell them that I am doing well, but it is all high risk investing, and they can easily lose what they put in. But they can also possibly make plenty of money. I suggest that they only put in what they can afford to kiss goodbye forever. The choice to take the risk is up to them, but if I say nothing, they don't get to choose at all. So, yes, I have let my friends know what I am up to. I answer their questions, telling them the good, the bad, and the ugly parts of online investing. Most have steered clear. Some have joined me, and we are having loads of fun watching our Cash Tanker accounts grow, dreaming new dreams, entertaining new possibilities. It's really not so much about the money, but the joy of joining with others, as well as the adventure of the process, the sense of aliveness that comes from being willing to risk and play full out. It's another way of saying yes to life, and that always gets me giddy.

Venus and I start our days thanking God for our blessings. Abundance is everywhere we look, especially in the laughter and the smiles of our daughter. We thank God for Cash Tanker, yes, and we do see it as quite a little miracle, but the forms and faces of abundance come and go, appear and disappear. It is best not to get too attached to the forms appearing today. Today God showers us through Cash Tanker. Tomorrow His Love might take a different face, as Her Omnipresence has an unlimited supply of ever changing forms and names. The important things is to know in your heart of hearts that God's Love is the ground and fabric of your being and cannot abandon you, ever. Forms and faces constantly change, but love, real love, never come and goes, because it is eternal. And so are you.

Tomorrow I am buying Venus a new computer. We have a list on our wall of things we can use: a vacation, new cars, computers, private school for our daughter, etc. We are moving closer to these goals each day. Living in the mindset that all things are possible is the greatest feeling on earth. There are no limits, and yet we can temporarily lose sight of that when we fixate on our fears, and believe in appearances. Gratitude is a way out of the ego's quicksand and back to God.

Practice counting and giving thanks for all of your blessings every day, as well as holding a feeling of faith, anticipation, and excitement about your goals and dreams coming true, the inevitability of your desires manifesting in God's Perfect Timing. Gratitude for what exists is the inhale of happiness. Faith in your dreams and desires for the future is the exhale. Breathe deeply today! Let love and money in, and let them out! It's all a miracle!

Hugs,
Scott

GRACEFUL LO$$ES

Yesterday PAC for All, one of my investments, announced they were closing down. I lost $800. Some of those who signed up under me lost more. I feel sad about that, more than the disappointment I feel about my own loss. Several of my good friends followed my enthusiastic lead and lost $1000 each in this one. Yes, they made their own decision to put their money in. No, I did not push them into it. Yes, they knew it was high risk investing. Still, it hurts, and I feel for them.

And I broke my own rule with this one. I kept reinvesting what I was making, instead of getting my seed money back as soon as possible. My plan was to keep reinvesting until I could take out $1000 every twelve days. I was close. I thought they were solid for at least a few more months. The intuitive information I had did not see any immediate red flags.

Ouch! I could have made back my principal and even had a little profit before they closed if I had followed my own advice and taken out what I had put in as soon as possible.

OK, it happened. Diversification has saved me from this being a serious financial setback. The important thing is to become wiser, to get the learning. Next time, I'll get the seed money out A.S.A.P. and then the rest is Monopoly money.

Also, the learning is to observe my thoughts. What story am I telling that is making this more painful than it need be? Is is a doomsday story? Are my survival fears coming up, causing me to get extra serious and dramatic about this? Is it really that urgent? What meaning am I giving this?

The truth is that money comes and goes all the time, like breathing. I don't worry after the exhale that there won't be another inhale. No, I just trust and let it happen. That's what I aspire to with money. To relax, trust, say hello, let it flow, let it come, have some fun, wave goodbye, let it fly. These programs come and go, they arise and fall, just like my breath. They are not the Source of my supply. God is. And the Infinite will continue to bless me and my family through all kinds of channels, as I relax and trust and lean into abundance.

Goodbye PAC for All. Thank you for spending some fun and exciting time with me. Thank you for helping me learn some lessons. I release you, and I am open to the next wonderful surprise, the next beautiful financial blessing that is on its way.

I am open to miracles. Whenever I seem to lose, a bigger win is on the way. I never lose anything of real value. All is well. Always.

For more on how we can handle loss gracefully, see my article entitled, "Change is a Fact; Loss is an Opinion". Just copy and paste this link into your browser: http://www.cooleremail.net/users/scottsongs/ScottsMasterList_July$6$2008$MuseLetter.html

For more inspirational acticles about living your best life, go to www.scottsongs.com and click on Museletter Sign Up.

Getting Started... The Inner Journey

If you have a sense that all of this sounds too good to be true, that's OK. I started my journey there as well. If you have a sneaking suspicion that maybe, just maybe, some opportunities for abundance have passed you by because of your limiting beliefs about money, then read on. Here are the resources I used and what I suggest you do as well.

1. Purchase Busting Loose From The Money Game, by Robert Scheinfeld. It is a book I suggest you get, read, study, and study some more. In it there is a process you can do whenever you feel limited in any way in your experience with money called, curiously enough, The Process. I love its simplicity and effectiveness, It is invaluable for shifting out of fear and scarcity and into trust and abundance. You can buy Busting Loose new or used on Amazon.

2. Immerse yourself in the books, recordings, and seminars of the Abraham Teachings. This work is about learning to manage and stop misusing the greatest money making (or money sabotaging) factor in your life - your own mind!

3. I use subliminal recordings and have listened to them every day for over a year. Alphasonics are the best company out there and the ones that I have been using are Attracting Infinite Riches and Prosperity. They contain over a million affirmations per hour. You can have them on in the background as you go about your day. They prepare you on a subconscious level to manifest and receive. They help you get magnetized for abundance. Please call them to make your purchase. If you call the company to order and mention that I sent you I get a small discount on my next order. Their number is 505-466-7773, and my Alphasonics ID # is 9166.

4. A friend of mine Karen Drucker has a song called Money Is Coming To Me, from her CD, Songs of the Spirit ll. It has become the Receptive Income theme song. It is so much fun to listen to. The words of the chorus are "Money is coming to me easily and effortlessly, money is coming to me." You can purchase it and download it as a single song on ITunes or go to her website at www.karendrucker.com and get the entire CD, which is wonderful.

Reverse Pension Plans

I am in seven of these programs. They are an opportunity to risk about $50 and possible make $80,000.



A Short Explanation Of Reverse Pension Programs:

Reverse pension plans are innovative and highly profitable projects initiated and run by venture capitalists – in pre-arranged cooperation with their insurance company and their mortgage company.

To gather a target number of eligible members, the venture capitalists set up a network-marketing operation (for example, Global Pension Plan or Global Connect Pension Plan), offering very generous referral commissions to those who will help get the word out.

When the “Reverse Pension Plan” has reached its' goal number of contracts/members, the venture capitalists will purchase a pension insurance policy on each member which will, of course, mature when the member reaches 67 years of age.

A quick Google search will reveal many entities who are willing to purchase these policies for immediate lump sum payout. This should assure those unfamiliar with endowment policies of their legitimate value. However, Reverse Pension Plan members agree to transfer ownership of their policies to the venture capitalists who purchased them on the members' behalf for a one-time sum.

Then, as each member reaches the age of 67 years, the venture capitalists will collect the full value (about $250,000) of each policy - an assured, substantial, long-term income for them! Also, the cost of the policies, the compensation, and the referral commissions are all tax-deductible business expenses, too.

Additionally, with possession of these policies as collateral, the venture capitalists are eligible for massive loans. This leaves them with plenty to cover cost of the operation – referral commissions and administration . By using the loan to finance the program, they now own a pension policy with a significant value upon maturity.



A More Detailed Explanation Of The Global Pension Plan, In Case You Are Interested...

Here is what some person on the web theorized about how and why it can work:

If you home is fully paid and has an equity of say 300,000, bank would lend you say, 60% on it using the “reverse” mortgage which enables you to draw cash out of your home equity without having to pay monthly payment for the loan. I assume that the monthly payment comes out of the remaining equity in your home over a certain period of time. Consequently, eventually, your entire equity will be eaten away over a period of time, whereby, you will not own the house but the banker will. If you are exiting at the age of 90 or so, this should be okay as long as your next to kin dont object!


Let us say now instead of the home, you have a paid up endowment insurance policy and it has an asset value of $300,000, meaning that upon your death, your next of kin would receive the face value of the policy. If you however, went to a bank and asked to borrow money against it, I understand that the bank would recognize the equity and loan you money at say, 60% of the value in the form of a reverse mortgage. This means there will be no monthly payments but the deemed payments would come out of the remaining equity in the policy until the policy has no value to you. The bank will eventually own the whole policy with its full value or partial value depending on time elapsed, which the bank would realize upon your death since through the process of the reverse mortgage you have assigned the policy to the bank as a progressively reducing collateral. The bank could also sell the policy as a negotiable security in the open market at a discount to realize partial liquidity.



So as I understand it, between the bank and the insurance company, Global Pension Plan appears to have created this ingenious program, whereby:

1. Each member could purchase an endowment life insurance policy with a maturity value of 300,000.
2. Through his/her signature or promisory note, enable the bank to create a reverse mortgage on the policy at 60% of the face value of the insurance. In this case the loan value would be 300,000 x60% =180,000.
3. Part of the loan would go to pay off the insurance premiums which could be say, 80,000, thereby making it a fully paid up policy with a full face value of 300,000.
4. The insurance policy would be assigned to the bank in the form of a progressively reducing collateral without the member having to make any monthly payments.
5. The insurance company would instantly benefit by receiving say, 80,000 x 100,000 members = 8 billion.
6. The bank could realize the value of the insurance policy as each member passes on less the loan amount to be repaid on the outstanding loan. This too would be in billions.
7. Consequently, for each member to receive the $79,000 for ages 28 to 66 or $154,000 for ages 1 to 28 is not unreasonable. The commissions of 3000 per referral paid out are also quite palatable from the loan. The signature of the member on the promissory note should be quite safe as each member has assigned the insurance policy (not his house) as a collateral.
8. The whole process is nothing more than what the banks do to create loans using individual signatures on promissory notes as well as Mortgage backed securities. This is normal banking business done in billions every day and approved legally by the legislatures!!
9. The only difference is that instead of a mortgage on a real property, it is done on the value of the insurance which too has real monetory value.
10. The banks as well as the insurance companies are in need of liquidity. What could be a better method today to create such liquidity than through the process of the Global Pension Plan?
11. Absolutely ingenious. My hats off to Global!
12. I hasten to say that I am no expert and I do not know what the financial industry’s regulations are for such a process. However, what they are doing is no different from what is normally done to issue insurance policies and loans (via reverse mortgages)!
13. So I dont see why it would not work. Keep in mind that all money no matter how many billions, are created as debt out of “thin air”. Consequently, there is plenty of it. Truly, God has abundance for us children. We only have to figure out a system to tap into such abundance. I sense that Global has figured this out ingeniously. My hats off to them.
14. Also in terms of creating inflation by creation of the additional funds, assuming that 100,000 units are paid out say, at $180,000 per unit, results in a payout of say, 18 billion. This translates to $60 per every US resident! I dont think this is going to make a dent in inflation!! So it really does not harm the economy overall by the additional funds in the system. In any case they are matched by valuable equity in the creation of additional value in new insurance policies! So additional dollars in the system are matched by additional assets.

WHERE TO GO FROM HERE?

As far as reverse pension plans, I will refer you to my good friend, Scott Snider, who got me started with all of this, and who loves to help people with RPP's. Email him at ssnider6461@Safe-mail.net, or visit his site at http://www.receptiveincome.info to see the Reverse Pension Plans he and I are in, as well as other programs he offers.

If you want to you can call him at 707 963-4612. If there is no answer there, try him at 707 235 6003.

He will take great pleasure in serving you. He is a most generous, gentle, and open hearted man.

Getting Started... The Outer Journey

Figure out how much money you want to play with, an amount of money that you can conceive of losing without being too disappointed. I suggest starting your investing by diversify into four or five programs that I am making money with. Diversification is one of the keys in this kind of investing. This is not the time to be monogomous. Spread your money around. Play the field.

Call me with questions at 415 721 2954.

I'm happy to guide and to share and to chat.

Receptive Income 101

Behind the shadows of the global agreement called the work ethic is the belief that we have separated ourselves from God and are therefore undeserving of having things come easy. Yet through hard work, sweat and self-sacrifice, we can earn and struggle our way to having some love or money. (Both? God forbid!) Hard work and good behavior, the story goes, also might get us a place in Heaven, reserved, of course, for after we die...procrastination at its finest!

The bottom line is we are quite worthy of both love and money right now, just for being who we are. God don't make junk. Unworthiness is simply a case of mistaken identity.

This blog is for those attracted to doing the work of undoing unworthiness. The side effects of feeling worthy and innocent is that good things come in for no good reason. Unreasonable happiness, love and money, inner peace and outer flourishing. The whole enchilada. Having it all.

How does all this tie in with online investing? A reasonable question! Sort of like, "Show me the money!"

I have been intuitively drawn to certain online investment programs, with which I am receiving bread for the journey, funds for my family. They require no recruiting or selling. They make me money while I sleep, while I exercise, while I play with my baby.

I also have lost. Ouch. Disappearing money down the drain. As of this writing, I have lost about $7100 from various investments that got derailed before the money train arrived. And also as of this writing I have allowed over $26,000 to enter my bank account. So I'm currently way in profit. I'm presently receiving over $400 a day, five days a week, just from one of my online investments, Cash Tanker.


Not bad for a day's absence of work!


Losing can be painful, but also profitable, in terms of getting an education. It’s been quite a learning curve for me, like anything else that's new. I have learned from my losses to discern and diversify when choosing programs, not to put all my eggs in one program. I have learned that when I lead with greed, or what I affectionately refer to as money-lust, it makes me stupid. I have learned to graciously grieve my disappointments, shake the dust off my financial feet, and move on.

These are high risk investments. They are not for everyone. I like some risk. I think being human involves risk, the biggest of all being playing it safe and comfortable too much and missing out on a fully lived life. Been there. Done that. Not fun.

In the world of online investing, I've learned how to calculate and minimize the risk. I've gradually upped my daily dinero by doing due diligence and diversifying. I know that was a lot of d's. I know you are thinking that I should throw in a pun about ducks in a row and then get off the d-thing. I must be a mind reader.

I know how to have fun with all of this. I know it is all a game, that there is nothing really dangerous about losing money, and nothing really miraculous about receiving abundant multiple streams of investment income, easily and effortlessly.

I think we all have this really great inheritance coming to us, that we all have been remembered handsomely in our Father's Will, and that being Children of God, we were all born into family money. It's about letting it in, being receptive. Hence the name.

We are God's Kids, and God wants his kids to prosper, to manifest, to have fun, to not be stressed. Perhaps it's time to really consider the lilies of the field, as Jesus asked us to do. Having to work hard and struggle doing something you would rather not be doing to bring home the bacon probably causes much more cancer and heart disease than bacon. By the sweat of thy brow is so last millennium. Perspiration is out. Inspiration is in!