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  1. RichieG

    Collecting the All Important Revenue

    I have been running a business now for 9 years and built it up from scratch. This started very locally so deals were done simply and with a handshake. We would send a confirmation email out about the deal and list the terms on here as well as the invoices each month - so people knew what the...
  2. RichieG

    One Person Who Inspired You in Business and Life

    ONE PERSON PER POST NO FAMILY OR FRIENDS ( if something critical has been missed ( negatively ) in any of these posts which you believe needs to be pointed out please quote the post and make our point. More information both positive and negative helps paint the picture and may have been missed...
  3. RichieG

    I Can Do This When I want to.........False Promises

    MINDSET 
    I'm going to be so fit and lose weight. I just need to read up on it. After the weekend i'm working harder at work and want that promotion I can stop drinking alcohol if I want I will visit that country next year Next week I will get more sleep I could eat healthy but I like to keep it balanced...
  4. RichieG

    The house, the cash and the index fund

    INVESTING 
    Ok. Nearly there and my current plan is below. Not set in concrete but what we are leaning towards - we rent for flexibility - have a £180,000 house paid off with tenant paying 6% - 3 years of liquid cash in a cash account - investing £3200 into vanguard global market 100% stock ( isa in uk is...
  5. RichieG

    Pay Cash, Have a Loan or Lease

    The car/cars you currently have. Did you - 1) pay cash and own outright 2) not enough cash so paid via loan/finance ( what was interest rate) 3) had cash but had loan to keep cash rich ( if so what was % car value to cash in bank and what was % 4) I lease. If so how come and what is monthly...
  6. RichieG

    The Number 744

    MINDSET 
    A 31 day month = 744 hours. Sleep 8 hours a day = 248 hours per month Earn $8.50 hr at Mcdonalds ( example ) Work 160 hours a month = $1360 per month ( if there are 2 of you a house, living and life can be run on this ) This leaves 336 hours ( double your working schedule ) per month to...
  7. RichieG

    Everybody Starts Their Own Business

    MINDSET 
    I have always been a believer that everyone should attempt to own their own business. However, the more i think about this the more I think is it possible. Do some people need to be "workers"? Lets say there are 100 people in the world ( all adults ) who own their own business. We rank these...
  8. RichieG

    Meet Kevin: Dave Ramsey Exposed

    HOT! 
    Has this guy got a big set of balls or just being clever using "big" You Tube names? On paper he looks like he talks a good game and plays a good game. Google Meet Kevin for all his content. His You Tube videos are what I generally watch. He has called out Dave Ramsey, Grant Cardone, Chris...
  9. RichieG

    Business and Personal Accounts

    I was wondering if people with money handle and run their finances differently: If people could say how they handle the follow bills/expenses and we can see if there is a trend. We will assume we all have a business account for business use, This is based on Personal Finance ( below options...
  10. RichieG

    S & P 500/Dow Jones Etc - am i missing something?

    INVESTING 
    Anytime you look for figures it will be something like S&P averages 8% over last 10 years. So $100,000 invested in 2009 will be worth ( in theory ) approx $221,000 in 2019 What about if you invested $100,000 in 2008. It fell 50% at the end of the year. Now worth $50,000. Then from 2009 -...
  11. RichieG

    Invest in Yourself is a Broad Topic

    MINDSET 
    So many people with "money " who "sell things" seem to have the same piece of advice.........................Invest in Yourself. Is this true or a big marketing scam? Let me tell you where i'm coming from. Nearly all who advocate this have these traits - I used to live on pasta and water - I...
  12. RichieG

    All Weather for % of Net Worth

    INVESTING 
    The All Weather Fund by Ray Dalio made popular by Tony Robbins. Designed with Non Correlated Assets in mind to get a balanced return 30% in U.S. stocks 40% in Long-term U.S. Treasury Bonds 15% in Intermediate-Term U.S. Treasury Bonds 7.50% in Gold 7.50% in broad Commodity basket What are...
  13. RichieG

    Your Top 5 Ways to Preserve Wealth

    INVESTING 
    After investing in the business I am going to have about 10k a month left. I need a platform for this money. I have 3 years of living expenses in a fixed simple savings account. Mortgage Free No Debt I have been working through various ideas. 1)AT the moment I am leaning towards £3000 in a...
  14. RichieG

    Paying for Child's Education

    MINDSET 
    High School - Not University How many people would or do send their children to a private school? If so why did you choose this way? Or why did you choose the government driven schools? Things I can think of that could be a difference - - standard of teaching - class sizes - families with...
  15. RichieG

    5$ v 50 cents

    MINDSET 
    What gives you more motivation? ( I have used coffee but it can be used for anything homemade v service driven ) Some billionaires will give different answers. Some kings of debt living will also give different answers. What do fastlaners think? Question: Going to Starbucks whenever you want...
  16. RichieG

    My Monthly Input & Output - Boringly Comfortable

    MINDSET 
    We own our own business and are pretty comfortable: Monthly Figures After Tax 6,000 Monthly Expenses 2,000 Debt 500 ( 2 x cars on low interest loans ) Remainder 3,500 Net Worth 65,000 In the grand scheme I know these aren't great figures but on a day by day basis it is so easy just to think...
  17. RichieG

    Grant Cardone in ONE WORD!

    LANDFILL 
    For motivation and basic advice Grant Cardone via his You Tube channels offers some decent advice. He has his sales funnels for his products and real estate but he has done very well for himself and seems to practice what he preaches. His financial growth seems to have exploded in the last few...
  18. RichieG

    Does wealth help health and longevity?

    HEALTH 
    How important is health and does it come down to wealth? We all like reading MJ's works and I assume we are all hear for one reason. To make money fast. However, this may take 1,5,10 years. Just think of the stories we have heard from current millys and billys. " When i started off I ate jam...
  19. RichieG

    60% LTV or 100% Cash

    REAL ESTATE 
    We are currently in a position where we have a property ( not our main residence ). It is rented to us by my Father In Law and he won't be moving out. He is 72 and there for the rest of his life. We will then sell. The property value is now approx 160,000 and we have an outstanding mortgage of...
  20. RichieG

    $1 , $10 , $50 $100 $1000............

    MINDSET 
    I have searched the forums and couldn't find anything linked to this. So either I have missed it, its a valid question or I am barking up the wrong tree. The questions is aimed at two forms of expense ( personal and business ) but the same question is asked: Is it important to control expenses...

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