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Ian Thomson - Homestudy Graduate Testimonial

What is the key to becoming wealthy in the 21st Century? Do the same key principles which were in vogue, 70 or 100 years ago still apply? Is psychology and the personal mindset a major contributor to wealth creation?

In 1937 American born Napoleon Hill (1883-1970), wrote in his landmark book Think and Grow Rich, “Whatever your mind can conceive and believe it can achieve.”

Hill is considered to have influenced more people into success than any other person in history and has been perhaps the most influential man in the area of personal success technique development, primarily through this book. He did not just write about some theory of how to think and grow rich - he wrote from his own numerous experiences and the experiences of America’s most successful people.

Hill was one of the earliest producers of the modern genre of personal-success literature. His most famous work, Think and Grow Rich, is one of the best-selling books of all time. Hill spent 20 years writing this book and interviewed many of the most successful people in the U.S. in the process. Think and Grow Rich was reprinted twice in the year it was first published while the world was still suffering the effects of the great depression and since then has sold more than 7 million copies.

Hill stated in his writings, people are free to believe what they want to believe, and he examined the power of personal beliefs, and the role they play in personal success. The huge sales of Hill’s books prove that the secret of achievement is still highly sought-after as key plank in wealth creation. Using the philosophy of achievement, Hill stated, was the responsibility of every American.

“What the mind of man can conceive and believe, it can achieve” is one of Hill’s hallmark expressions. How achievement actually occurs, and a formula for it that puts success in reach for the average person, were the promise of Hill’s books.

Hill considered freedom, democracy, capitalism, and harmony to be important contributing elements. For without these, Hill demonstrated throughout his writings, personal beliefs are not possible. He contrasted his philosophy with others, and thought achievement was superior and responsible for the success Americans enjoyed for the better part of two centuries. Fear and selfishness had no part to play in his philosophy, and Hill considered them to be the source of failure for unsuccessful people.

The secret of achievement was tantalizingly offered to readers of Think and Grow Rich, and was never named directly as Hill felt discovering it for themselves would provide readers with the most benefit. For according to Hill, 98% of people had no firm beliefs, putting true success firmly out of reach.

Hill’s early career as a reporter helped finance his way through law school. He was given an assignment to write a series of success stories of famous men and his big break came when he was asked to interview steel-magnate Andrew Carnegie.

Carnegie commissioned Hill to interview over 500 millionaires to find a success formula that could be used by the average person. These included names familiar to most Australians such as, Thomas Edison, Alexander Graham Bell, Henry Ford, Charles M. Schwab, Theodore Roosevelt, William Wrigley Jr, John Wanamaker, George Eastman, Woodrow Wilson, William H. Taft, John D. Rockefeller, and F. W. Woolworth.

Hill became an advisor to Andrew Carnegie, and with Carnegie’s help he formulated a philosophy of success, drawing on the thoughts and experience of a multitude of rags-to-riches tycoons. The secret to success is very simple but you will have to read the book to find out what it is! Napleon Hill’s book Think and Grow Rich is not only about making money, it is about a better way to live a rich life.

Napoleon Hill made many interesting observations including these:

•  A goal is a dream with a deadline.

•  Action is the real measure of intelligence.

•  All achievements, all earned riches, have their beginning in an idea.

•  All the breaks you need in life wait within your imagination, Imagination is the workshop of your mind, capable of turning mind energy into accomplishment and wealth.

•  Any idea, plan, or purpose may be placed in the mind through repetition of thought.

•  Before success comes in any man’s life, he’s sure to meet with much temporary defeat and, perhaps some failures. When defeat overtakes a man, the easiest and the most logical thing to do is to quit. That’s exactly what the majority of men do.

•  Big pay and little responsibility are circumstances seldom found together.

•  Cherish your visions and your dreams as they are the children of your soul, the blueprints of your ultimate achievements.

•  Create a definite plan for carrying out your desire and begin at once, whether you ready or not, to put this plan into action.

•  Desire is the starting point of all achievement, not a hope, not a wish, but a keen pulsating desire which transcends everything.

•  Don’t wait. The time will never be just right.

•  Education comes from within; you get it by struggle and effort and thought.

21st Century Education can assist you on the path to wealth creation in the 21st Century. For further information log on to: www.LearnToBeRich.com.au

Self made millionaire investor Jamie McIntyre, who is also the author of a series of popular books including, What I didn’t learn at school but wish I had and What I didn’t learn from my real estate agent but wish I had, is predicting another property boom within the next 3 years.

He says due to the massive labour shortage and with immigration levels hitting their peaks the acute shortage in housing will force another upward spike in property prices in coming years.

Mcintyre comments are backed up by article in the Australian Financial Review (AFR) on 25 June 2008 which reported competition for housing among aspiring home buyers and tenants is set to intensify, with a big influx of skilled migrants helping drive the most rapid population growth since 1988 and exacerbating the Australia’s shortage of homes.

Official figures show the Australian population climbed by almost 332,000 people in 2007 to 21.18 million, with more than half of that growth (185,000) attributed to net migration.

Federal government plans to boost the immigration intake by 37,500 to 190,300 in the next financial year have prompted warnings of the rising population increasing the pressure on housing at a time of rocketing rents and low affordability.

Population gain, along with improving productivity, is an important engine of economic growth and also fuels demand and increases the pressure on resources and infrastructure, including the supply of housing.

The AFR reported the nation’s spurt is coming as high interest rates, low affordability and modest returns help stifle the construction of new housing. Dwelling starts were down by 3.3 percent in the March quarter and weak finance and approvals indicate activity will stay flat.

One industry spokesperson claimed a shortfall of 31,000 homes in the number currently being built on an annual basis. He also stated tenants and aspiring home buyers faced an increasingly tough market as any acceleration in the pace of building construction was some time away. Tenants in Sydney face particularly tight conditions with rent costs expected to accelerate by 10 percent annually over the next two years with early relief being unlikely even if interest rates eased and affordability increased as the construction of apartments typically involves an 18 month cycle. This means it could be three years or more before significant inroads are made into accumulated demand.

A second industry spokesperson says the looming boost to migration, though welcome by employers struggling to find the workers they need, will exacerbate the pressure on housing. “If we are heading for 200,000 plus in net migration, then the undersupply in housing will be at its most acute since the 1970s and it is very hard to escape it.

The strong growth in labour supply will help alleviate labour shortages, however the housing shortage is approaching extreme levels worthy of a more activist approach by policymakers.”

The Howard government introduced measures such as the First Home Buyers’ Grant. This meant that more individuals had the money to buy, and so many left the rental market to become owner-occupiers. This reduced the demand for rental properties and so rents remained low.

The increased demand to buy and the limited supply of homes led to residential property prices dramatically increasing. But now, property prices have reached a critical level, where individuals even with the help of banks and the first home buyers grant, can’t afford to buy.

With many individuals being priced out of the market, they are now forced to rent. This combined with record immigration and the city living becoming even more desired has led to rents dramatically increasing.

In order to benefit from the next property boom, become an expert in the suburbs that are going to grow in value first. Get to know those areas so you can pick the bargains in those suburbs near the city, near the water or in the more affluent, the more desirable suburbs. If you buy a good property in those areas you are likely to achieve excellent capital growth in the next 5-10 years.

Then over the next few years the suburbs one ring further out will start to make good investment sense. It is only near the end of the cycle that the outer suburbs, those that have traditionally been first home owner areas get good capital growth.

For investors this is all good news. Will we see another property boom within the next 3 years? At 21st Century Property Direct we believe we will experience a another spike in property prices within 3 years.

This is how Keith spent his 50th Birthday. Climbing Cradle mountain in Tasmania. The climb took approximantley 7 hours. We had both rain and snow during the climb but we keep going until we reached the top.

The once was a man who lived by the side of the road and sold hot dogs. In fact, he sold very good hot dogs.

He put up highway signs telling people how good his hot dogs tasted. He stood by the side of the road and called out, “Buy a hot dog, mister?”

And people bought his hot dogs. They bought so many hot dogs, the man increased his meat and bun orders.

He bought a bigger stove so he could meet his customers’ demands. And finally, he bought his son home from college to help out in the family business.

But something happened. His son said, “Father, do you not watch television, or read the newspapers? Do you not know we are heading for recession? The European situation is unstable, and the domestic economy is getting worse.”

And the father though, “My son is a smart boy. He has been to college. He ought to know what he is talking about.”

So the man cut down his meat and bun orders, took down his highway signs, and no longer stood by the side of the road to sell his hot dogs.

His sales fell fast overnight. “You’re right son,” said the father, “We certainly are in a serious recession.”

Soure: “What I Didn’t Learn At School But Wish I Had” - available for free from http://learntoberich.com.au/free_products/free_ebooks.php 

What I learn’t from this story is you should not always listen to your friends and family if you are trying something different. Just because you think somone is well educated and smart doesn’t mean they know what they are talking about. All your decisions should be based on doing research and investigating all possible outcomes. Looking at the facts of the situation and not make a decision based on emotion is the best way to decide what you should do. This story is based in USA and the European market was the one in recession, not the US market. The father thought his son was right as he stopped all his marketing efforts and his sales declined. 

The first thing you need to do to rewire your subconscious for wealth creation is to answer a few simple questions about financial pressure.

1.       When was the last time you felt financial pressure?

2.       Do you currently feel financial pressure in your life?

3.       Does having more money really create less financial pressure?

4.       When have you felt completely free from financial pressure?

Apart from happiness what do you think people really want in their life? In my view the answer is security.

Would you say that people mainly link pleasure or pain to money? From surveys that have been conducted in Australia, university studies have determined that many people actually link more pain then pleasure to money.

Most of us will do more to avoid pain then we will to gain pleasure. This is important because consciously if we link pleasure to money and get excited about money and start doing things to be financially successful, we will start to move forward.

Society conditions us to be self sabotaging. We don’t base our decisions on logic we base our decisions on emotions. Subconsciously large proportions of us have a negative attitude to money. We have all heard the saying “money doesn’t grow on trees”, “filthy rich”, “stinking rich” are all negative saying against money. Being told “we can’t afford it” as a child or having parents that had to go away to work have given many people negative subconscious thoughts about money.

To find out how you can rewire your subconscious visit http://learntoberich.com.au/free_products/free_ebooks.php and down load the free ebook What I Didn’t Learn At School But Wish I Had”