SENIORS: Your Financial Survival

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As Seniors are living longer, retiring later, and spending more and more on drugs, dental, and other age-related expenses. As a result, many Seniors are very worried about how they will survive in their old age, given the fact that we are facing another recession and increased inflation, along with interest rates and taxes, especially in Canada.

Many Seniors are resorting to minimum wage jobs. This won’t solve your problem, in spite of the fact that we are vastly superior employees to automation, Millenials and “refugees.” And we can expect a financially devastating increase in so-called “Affirmative Action” that will potentially exclude White, Senior Canadians from many jobs in the future.

After reading the above and watching the informative video below, one may feel a slight tightening in the stomach – a spot of stress. Don’t worry, I have a partial solution for you, and it’s not packing groceries or sweeping streets. Remember, our bodies are declining as we age, along with our energy, so physical work is generally a losing stopgap.

My suggestion is to use and leverage your age, maturity, experience, wisdom, patience, and communication skills – these are assets – attributes that are not available to younger people. And let’s have another look at your other, possibly underutilized assets that can be leveraged, too – real estate, RV’s, cars, contacts, relationships, reputation, and so on. Use your mind instead of your body; the Buddha said, “the body is a fragile jar – make your mind and castle.”

Entrepreneurism is a solution as well since it allows you to control your income, and any abilities and skills you need are available through others – in fact, every resource you require is readily available to you through entrepreneurism. And never, never invest any more than you can afford to lose.

Finally, embrace change. This flexibility is crucial to the survival of many Seniors. And remember, there are many financial tools that you may well not be aware of that are safe and could make a huge difference in your life. Contact me for suggestions.

Robin Elliott

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The Persecuted Jews

TheJews have been the most persecuted group in history and still are.

They make up less than a quarter of one percent of the total world population.

The average member of this group is smarter (higher IQ) than 85% of the rest of the world population.

They are not all religious – many are, in fact, Atheists – and they don’t all belong to one race.

They can enter this group by having a mother that is part of it or by converting to this religion.

Smart, disciplined people obviously achieve more and therefore get to control more than the average person.

And for this reason, the less intelligent, the less someone has achieved, and the more personal problems someone has, the more likely he is to blame the Jews – the scapegoat of the world – for his own problems and for all the entire world’s problems, instead of getting the facts, taking responsibility, and facing reality. Low IQ people often see themselves as the victims of high IQ people.

The most racist group in the world has the lowest average IQ and sees themselves as victims, while the group with the highest average IQ is usually the least racist.

Smart people tend to admire the Jews and wish to work with them.

Robin Elliott

Poignant Points to Ponder Purposefully

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Suffering is not holding you; you are holding suffering.

Maturity is learning to walk away from people and situations that threaten your peace of mind, self-respect, values, morals, and self-worth.

One of the happiest moments of your life is when you find the courage to accept what you can’t change.

Rule your mind or it will rule you.

Happy people build their inner world. Unhappy people blame their outer world.

Until you heal the wounds of your past, you are going to bleed. You can bandage the bleeding with food, with alcohol, with drugs, with food, with cigarettes and pot, with sports and with sex, but eventually, it will ooze through and stain your life. You must find the strength to open your wounds, stick your hands inside, pull out the core of the pain that is holding you in the past, that is the memories, and make peace with them.

Believe nothing, no matter where you read it, or who said it, unless it agrees with your own reason and your own common sense.

Each morning we are born again. What we do today is what matters most. It’s all we can control.

Do not let the behaviour of others destroy your inner peace.

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Ceasing to Cast Pearls Before Swine

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Consider the picture of a snake trying to fight, or rather crush a handsaw. Naturally, the snake is damaged in the process, while the saw is unscathed. There comes a time when one realizes that we only have 24 hours a day and that generally, most people care little about us, our families, our problems, and our aspirations, as long as they’re getting what they want. There is a simple test to decide whether or not you’re casting your pearls before swine, whether or not you’re being used or taken advantage of.

A friend of mine ceased pastoring a church because he felt his contribution was not appreciated; in fact, he ended up neglecting his family in order to keep up with all his church work. Charity begins at home. I stopped training and consulting with business owners in order to focus on my own businesses. Comes a time when you realize that in a certain relationship, you’re the giver, and the other is the taker – then, it’s time to cut bait, to move on, to sally forth, to hit the bricks.

How about the “friend” who gladly accepts your phone calls, but never calls you? Actions speak louder than words.

Here’s a simple test to ensure you’re not simply wasting your time and energy when it might be better employed in another arena: Does the other person listen to you, or are they the ones talking all the time? Do they actually ask questions about you, or do they only talk about themselves? We gave a woman a ride to church for years, and she never once asked about us or our lives or our families; she only talked about herself, her family, and her activities.

Do they thank you for the gifts or help they receive from you? Do they interrupt you when you speak? Do they do what they promise to do? After all, a good relationship is a two-way street – both parties are entitled to receive as well as give.

I have learnt that you can’t fix stupid, you can’t convince a brainwashed person, you can’t make, as my Dad used to say, a silk purse from a sow’s ear, and you shouldn’t expect others to share your motives, skills, interests, priorities, or values. You can’t change people. Give them a chance, then give them the test, and then, if necessary, change your expectations or the way you interact with them, or give them the boot.

Speaking of boots, I wrote this little article about scraping poo off your shoe in regards to relationships that break you down instead of building you up, hold you back instead of propelling you enthusiastically forwards towards your goals. Scrape that poo off your shoe and stop wasting your time and energy; life is short.

Jesus’ Sermon on the Mount: “Do not give what is holy to the dogs; nor cast your pearls before swine, lest they trample them under their feet, and turn and tear you in pieces.”

Robin Elliott

What I Learned From…

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I believe we can learn from virtually anyone and practically any group or persuasion in the process of clarifying and evolving our beliefs, values, and faith. Closed-mindedness and spiritual arrogance are usually the purvue and limitations of cult members and frightened people.

The only common weakness that I could discern in all of those I studied and became involved with – listed alphabetically below – except for Objectivism, is mindless Altruism, a dangerous and severely debilitating cancer.

Anglicans

Atheists

Baptists

Buddhists

Christian Charismatics

Christian Scientists

Freemasons

Methodists

Mormons

Objectivists (Randians)

Scientologists

Theosophists

And a smattering of others.

What did I learn? What overall conclusion did I finally arrive at, after diligently seeking for sixty-five years? After all, I had some solid experience of each, becoming the Master of a Freemason Lodge, a Pastor in a Charismatic Church, Christened in an Anglican Church, confirmed in a Methodist church, Baptised in a Baptist church, etc.?

I finally settled on pure Christianity, supported and enhanced by Buddhism, with a generous side of Objectivism.

I was shocked at the amount of legalism, Galatianism, misdirection, compromise, hard-headedness, and blind obedience that I found on my journey, of course, but then few people can hold two opposing ideas in their minds at the same time in order to logically evaluate which is best without an attack of Cognitive Dissonance, guilt, and fear of loss (sunk cost fallacy).

When your loyalty to people and a fear of the opinions of others rule your choices, it’s difficult to think outside the box and remain objective, isn’t it?

Each of the above had strengths and weaknesses, each survived because of a golden thread of value for their adherents. Some appealed more to intellectuals and others to the hoi polloi, and one had a pretty solid business teaching component, but at the end of the day, each had a following of good people who, apart from a few calculating mercenaries and a small group of ego-driven power grabbers, were intent on learning, improving their lives, and becoming better people. Some of these members were taken advantage of, especially financially, and many were taught debilitating and limiting beliefs, but on the whole, the people who belonged to these groups were sincere and decent.

Each of us has to decide which way to go, which group, if any, to join, and what information we will use to improve our lives, gain more peace of mind, and understand the purpose of our lives. There’s a buffet of beliefs and a volume of values available to us. Imagine going to a buffet table and choosing just one dish. Why not add some more to your plate? This can enhance and clarify your core beliefs substantially. For example, there is much teaching in Hinduism that enhanced my respect for and understanding of God’s glory and power.

For example, the Charismatics have excellent Bible teaching and the Freemasons have very meaningful symbolism and rites, while the Buddhists deal effectively with suffering, and so on.

Like a good musician who learns from many disciplines, a spiritually evolved person should be mature enough to break free from the constraints that those with questionable motives often try to impose on him as he continues to learn and grow until he dies.

Finally, if you want clean water, consider the motives, background, and vested interests of the source. And never judge the organization by its members.

Robin Elliott

Why You Lose Your Best People

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When I left a particular service club because it was soaked in collectivist Altruism, in spite of the fact that the concept was originated by four businessmen, one of the members told the leadership that they always lost their best people and kept the “knife and forkers” – those who went along for the ride, took what they could get, but seldom, if ever, contributed anything. Fortunately, not all those clubs suffer the malady to the same extent.

Peter Drucker wrote, “Good employees quit when management is bad. Bad employees quit when management is good.” And what makes management bad? An inflated ego, not listening to others, a dictatorial, selfish, unbalanced, and unfeeling attitude, and thinking that you know everything there is to know. Sooner or later, the good ones will cut bait, because those kinds of people always have other options and Plan B’s.

And so we see many service clubs, churches, and fraternal organizations who have lost touch with the motives and needs of their members, shrinking and dying. I’m not suggesting sacrificing proven principles or laudable values. I’m not suggesting modern businesses or organizations fall prey to the flood of cultural Marxism and “Political Correctness.” But without change and adaptation, organizations die, and the principle reason is they lose their best employees.

I’m not implying that churches should deny the word of God and start down the broad road of subjective morality or the cancer of relativism in order to fill their pews – that’s abundantly evident all over, these days, with ministers delivering motivational speeches instead of sermons and focusing on “diversity” and “refugees” instead of Jesus Christ, any more than they should elevate their leaders and founders and legalistic, man-made  rules above the teachings of Christ.

Here’s the bottom line if you want to keep your best people and thin the herd of losers:

  • Good people expect to be listened to and heard.
  • They want their opinions and contributions to be acknowledged as important and valued; they want to be thanked.
  • They want to know exactly what is expected of them, and they like to know what the goals and values are of your organizations, because they want a vested interest.
  • If they don’t agree with your values, they will leave.
  • They expect to be rewarded in proportion to their contributions.
  • They want to feel secure and liked.
  • They will respect you more if you don’t vacillate on morals and values.
  • They want to be included and treated with respect.
  • They want to see the same, fair consequences for both good and bad choices for themselves and everyone else on the team. This last one will slowly but surely remove the parasite and posers.

By the way, the same goes for your customers. Treat them with respect and gratitude, thank them, reward repeat purchases and customer loyalty, and you will reap richly.

Robin Elliott

 

Doing What You Love May Not Make You Rich

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You might love being a doctor, which will probably mean you’re a great doctor, in which case you will make good money, especially if you have an entrepreneurial bent. On the other hand, you may love being an artist, and you may be a really good artist, but that doesn’t mean you’ll make a blue cent. After all, Winston Churchill was quite a good painter, but that was not where his power lay.

One has to shape one’s passion to match the marketplace. That may mean switching what you thought was your career or business label, you may need to change the focus of your business, or you may simply be flexible enough to ask, “In which profitable area could I use my skills and passion more effectively?”

On an extreme level, we have a narcissist who loves attention and is not averse to bending the moral rules in order to feel popular and accepted. Jason Kennedy recently said of Justin Trudeau, “I know Justin. He doesn’t have a clue what he is doing. This guy is an empty trust-fund millionaire who has the political depth of a finger bowl.” Ego is seldom a reason to make any business decisions.

Alvin Toffler, former associate editor of Fortune magazine, an American writer and futurist, known for his works discussing the digital revolution, the communication revolution and technological singularity wrote, “The illiterate of the 21st century will not be those who cannot read and write, but those who cannot learn, unlearn, and relearn.” 

Only the courageous who have a good reason to make serious money tend to be flexible and open-minded enough to change course, to avoid the Sunk Cost Fallacy, and to take advice from the right people when it comes to making smart changes that can make you rich. Starting over can be fun, exciting, and rewarding on many levels. It could release massive, unused potential.

Reinventing yourself in one area of your life can rejuvenate other areas. Think about it. Perhaps we should talk.

Robin Elliott

 

 

 

Customized Sin

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When you have a bespoke suit, you know it was specially tailored just for you to fit your body. And it’s a pleasure to wear one. When you visit the buffet tables, you pick and choose food exactly according to your tastes and preferences, what you would like to sample, and your favourites. And you avoid that which you don’t like. Google knows this, and exploits the information they gather about us from our searches and other Internet activity – read “Life After Google.”

A good salesman knows that he must customize his presentation to you, presenting his product or service as a solution to your problems or a means to accomplish your goals. We call your buying motivation your “Hot Button.”

Hunters and fishermen know what bait to use, and they understand the customs of their prey.

The lyrics to Dr. Hooks “When you’re in love with a Beautiful Woman” go,

When you’re in love with a beautiful woman 
You watch her eyes 
When you’re in love with a beautiful woman 
You look for lies 
Everybody tempts her 
Everybody tells her 
She’s the most beautiful woman they know 

In the book by C.S.Lewis, The Screwtape Letters, we see a portrayal of human life and foibles from the vantage point of Screwtape, a senior assistant to “Our Father Below” – the Devil. This book is the most engaging account of temptation – and triumph over it -ever written.

We all have guilty secrets and dark, hidden desires and weaknesses that determine which traps the Devil will customize and set especially for us. Which makes it most important that we travel very carefully through life. If you’re not a psychopath or a sociopath, you have a conscience, and in spite of the cancer of moral relativism that pervades our Liberal society, you know what is wrong and what is right, and you should avoid areas where you know temptation lies.

In this exceptional article, John Leo writes, “A Zogby International poll of college seniors came up with a fascinating finding. Almost all of the 401 randomly selected students around the country — 97 percent — said their college studies had prepared them to behave ethically in their future work lives. So far so good. But 73 percent of the students said that when their professors taught about ethical issues, the usual message was that uniform standards of right and wrong don’t exist (‘What is right and wrong depends on differences in individual values and cultural diversity’).”

These youngsters are easy prey for the Father of Lies – Satan. He will have a field day trapping them in addictive sin, customized especially for them.

Come near to God and he will come near to you. James 4:8

Robin Elliott

A Solution to This Problem

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Let’s look at our situation:

91% of the Canadian population can’t afford to retire at age 65.

50% of the US population can’t put together $400 in the case of an emergency.

There is a managed decline of the West, and it is not by accident. Managed dysgenics, deindustrialization, managed financial enslavement.

The number one problem or fear in the West is economic anxiety.  Most people are two paychecks away – if they even have of a job – from bankruptcy.

The average person is getting poorer, especially as we age, and it’s increasingly difficult to cut costs. We spend less on clothes, food, entertainment, restaurants, we buy fewer clothes, we cut out the annual holiday, we stop our insurance… and the less we spend, the worse our situation gets!

So the only wise option is to increase income. There are wise ways to do this and risky ways to do this. Buying lottery tickets, eating more junk food, gambling, or getting a second job is not the answer. Risking big money in the hope of a big payout can be suicidal – literally. And because desperate people tend to do desperate things, we may do really stupid things.

I have specialized in the use of leverage and collaboration for 32 years and taught thousands of business owners and new entrepreneurs how to use these powerful tools to change their lives significantly with minimum cost and risk. I have written books about it. And I practise what I preach.

If you are in Canada or the US and you’re interested in changing your financial future using a proven, highly successful system, we should talk. This is NOT Network Marketing, and it is something recognized and known, not some newfangled scheme or dream.

It’s not a get-rich-quick scheme, either – it needs work, and the harder you work, the more money you can make. It may be right for you and it may not, but if you’re hungry and serious, let’s talk.

Robin Elliott