How Get Rich Without Money

The key to becoming rich without money is real estate. No other investment allows you so much leverage and possible wealth as real estate.

After learning the techniques I am about to show you you will never need a job again. This information will give you complete freedom to make money and do what you want with your time.

Getting property without money is done using two financing sources.

1. Banks – Most investors go through conventional banks to get their mortgages. After the crash in real estate prices no bank is lending 100% loans however there are two legal ways around this.

A. The first option is to get the bank to finance from 70-90% of the loan on a first mortgage while getting the seller of the home to finance the remaining 30-10% on a second mortgage. This works very well unless your bank will not allow it then you will have to resort to plan b.

B. You buy a property for below market value which is not hard in the current market. You then have the property appraised at the higher value. The bank can then loan 70-90% of the appraised value which will give you 100% of the sales price.

2. Owner-financing – The easiest way to get 100% financing is through the seller of the property. However two things will need to happen. The seller must not live there and the seller must not need the money right away since you will be making monthly payments directly to him.

In conclusion, getting property with no money is relatively easy and can be done by anybody that is determined and persistent. In very short order you can become rich without the use of money

Why Is the Concept of Living Without Money Ridiculed?

My aim in this and subsequent articles is to demonstrate that there is support for the notion that people, even with families, can give up money completely without having to suffer the indignity faced with doing it in manners which are either unlawful (such as being homeless, dumpster diving) or otherwise unconventional; in other words, to renounce money in such a way that people around you won’t even know you have done it, and this notion is supported by over 5 years of research into law, economics, and a whole host of other subjects which have some bearing on this subject.

I had already begun my quest to answer the question ‘is it possible for me to give up money altogether?’ years before I discovered said names above, and in fact had probably begun my quest when I was still a youngster living at home. However, the greatest challenge I faced in answering this question was how to do it without breaking any laws, because if I could answer this, then I would find a way to do it with children. Let’s be honest, the three names above do not face the problem of having young children.

My real journey began after my parents won the lotto (over half a million dollars) only to end up bankrupt 4 years later. Upon this sad happening, I subsequently learned that 19 out of 20 lottery winners end up the same way as my parents did, i.e. they lose more than they actually won. As shocking as this statistic sounds, it was more shocking to then discover that 19 out of 20 businesses ultimately fail, 19 out of 20 people struggle week to week and 19 out of 20 will retire with insufficient funds. A co-incidence? I hardly think so. It is very apparent then that 19 out of 20 people are slaves to money whereas the 1 out of 20 is the master.

Upon first discovering this I believed at the time that if this statistic is true then my job was to learn how to become one of those 1 in 20, which I attempted to do for almost 4 to 5 years until I crashed and burned. I quickly came to realize that the 19 out of 20 exists not because they are lazy or stupid, but because they are too honest and loving. It has nothing to do with ‘hard work’ but in ‘hard selling’; i.e. those who succeed in money do so because they are the best at convincing you that you need to buy their product or service irrespective of whether you need it or not. Put another way, digging 100 holes in the ground may seem like hard work (and physically it is), but it ain’t worth a squirt of goat urine unless you can convince someone out there that they need to buy 100 holes in the ground, and once you can convince this poor sucker of this, you can point to 100 already dug holes and then ask for the cash.

Honest people face two problems, first they find it hard to sell anything and second they find it hard to say no when being sold to. Now think of this from a mathematical perspective; if success relies on you being able to convince others to buy your product and at the same time being able to say no when being sold to, then is it mathematically possible for everyone on earth to succeed all at the same time? Obviously it is not.

So this brought me to the following question. If it is mathematically impossible, then why on earth have we set up society in such a way that it becomes almost criminal, or at least immoral and repugnant, if you are not seen to be out there risking your neck and playing the game of economic pursuit? Where did this whole concept come from? A century or more ago, people rushed into cities because they fancied their luck at playing the game of economic pursuit lured by the chance of riches and wealth, as opposed to slugging it out on a farm for no other reason than self-sufficiency. Nowadays, unless you are seen pursuing wealth and engaging in commerce, you are seen as ‘not doing your bit’.

To make this more ridiculous, not only are we now forcing everyone into this game of economic pursuit, whether they want to or not, we then whinge and complain when those who are better at it (i.e. those who are better at selling) keep whipping us. How immature are we? If anything, the richest in the world do not want us out there competing against them – if they did then why would they go to such lengths to support and lobby those political parties to whom will tip the balance of politics in their favour? The problem has became extremely apparent to me. The game of economic pursuit, which includes everything from barter, trade, exchange, to the accumulation of wealth, is completely and utterly over-crowded.

Now, I am not here to suggest every person give up their pursuits, and in fact, I care not what others are doing, whether you pursue money and wealth or not, is irrelevant to me; what it is I have found to be next to criminal is the suggestion that just because you have decided that money and wealth is important to you means we all have to treat it the same way.

To return to my question above which is, if I have children, how do I renounce money altogether without breaking the law, then I had to ask myself, why do people who do renounce money or economics, usually end up facing the prospect of being homeless, or at least not co-existing in society as normal, and this question led me to realize that the necessities in life, such as housing, clothing, food, water, education etc, have been placed under a new label, that being ‘human rights’ which has completely masked if not obliterated the very real nature of human needs.

The term ‘right’ is very misunderstood, and I only know this because I have been studying law for the last 5 years or so. The term, from a legal perspective, means that someone somewhere owes you something, i.e. a duty. No right can exist without a corresponding duty. So, if we then say ‘housing’ is a human right, then who owes the duty to provide that housing? Obviously then this is sheer nonsense, because you can’t access housing today unless you are willing to play the game of economic pursuit, even if that means through welfare, which is itself nothing more than an undignified version of economic pursuits. To add to this nonsense we then say clothing is a human right; so who owes you this duty? Now, I dare anyone to take off their clothes and walk around naked and see how long it is before you are arrested.

Human needs are ‘not’ human rights, to which some other person owes you a duty, but in saying this, it does not also suggest that human needs are something I should have to pay for, unless I have openly declared my intention to treat them as commodities, which is what I am doing if I openly engage in the game of economic pursuits (and which is what most people are doing). Human needs are not someone else’s duty to which I have a right, human needs are my own duty to which I owe society. Yes, you read right, I am saying that I have a duty to meet my human needs lest I breach some law as a result of not having access to them, and therefore, this makes a complete mockery of the idea that by renouncing money (which is what many religions and philosophies over millennia have called many to do) can only be done by breaking the law. Put another way, if I have a duty to society to be housed, clothed, etc then I should have a choice as to whether I treat those resources as commodities or not, which means I should have a choice as to the legal and ownership structure of those resources so I am able to treat them as needs and not commodities, and hence then have no need to engage in economic pursuits or money.

It’s time to view this whole subject through the perspective of ‘law’ itself, which is the aim of my website, and to find support in the law itself as to the legitimacy of having that choice in life to give up money completely and lawfully, whether one has children or not and without being subject to ridicule, by changing the structure of how those resources (human needs) are held… I call it the way of the custodian.

Economic Stimulus Package – Why It’s Never Been a Better Time to Start a Business Without Money

The Economic Stimulus Package has opened a window of opportunity for budding entrepreneurs desiring to start a business without money from loans. In fact, it has never been a better time to start a business than NOW, for anyone seriously considering self-employment. Why? Well, to fully understand the answer to this question, let’s take a look at how the American Recovery & Reinvestment Act could impact your family. 

Tax Breaks: Payroll tax credits to the tune of $400 for singles and $800 for married couples, provide working Americans with more money in their weekly paycheck. Low income families also benefit from an increased child tax credit and earned income credit. College students are also reaping the benefits of the economic stimulus package, with an expanded tax credit benefit of $2,500 for tuition and related expenses.
 
Unemployment Benefits: The jobless get a leg up, with increased weekly benefit checks and a plan for suspending taxation on those same benefits.
 
First-time Home Buyer Incentives: Uncle Sam is dishing out an $8,000 tax credit for home purchases made through December 1st, as an incentive to stimulate the slumped housing market.

 
Auto Sales Tax Deduction: Car buyers get a boost by having the added advantage of deducting the sales tax paid on any vehicle purchase, from their taxable income.
 
Energy Efficiency Savings: Weatherizing your home can save you big bucks.  The new stimulus package provides for $4.3 billion in energy efficiency tax credits. Homeowners are entitled to 30% of the cost of home improvements (such as window replacements, doors or upgrades to heating and air systems) that increase energy efficiency, with a cap of $1,500.
 
So why is it such a good time to start a business without money from bank loans and outside investors — and how can you get started? All road signs indicate that the time is ripe now.  Here are 3 tips to help you get started on the road to success.
 
#1: Take Advantage of Increased Take Home Pay
 
The economic stimulus package is putting more money in your pocket. With increased payroll tax breaks, the government is hoping that you will spend more – in order to stimulate the economy. Don’t do it! The misuse or credit is the root cause of inflation. That’s the core problem that has put the nation into recession.
 
#2: Cut, Spend Less, Save More
 
Ruthlessly cut your current spending habits by eliminating all unnecessary expenses from your budget. Don’t allow the tax breaks to entice you to spend more. Create a financial plan and spend less by consolidating all expenses. Save more by getting rid of any unnecessary expenses, and put that money aside in a savings and investment fund — no matter how small the amount.
 
#3: Bootstrap, Bootstrap, Bootstrap!
 
Now that you have more money in your paycheck and a plan for reducing and consolidating your monthly outgoings, you’re on the brink of success. The final leg is to investigate bootstrap financing. Learning how to start a business without money from bank loans or borrowing, can only be achieved with a proven bootstrap financing system. This final step is essential to your long term business success.

 
The economic stimulus package has many incentives for budding entrepreneurs. Take advantage of these incentives by putting a plan in place to start your own business. There has never been a better time to benefit from the “gaping hole” left in the marketplace from weakened competition, due to corporate downsizing and cutbacks.
 
Start your business TODAY – even if you have very little money, poor credit or don’t own a home. Find free sources of business start up funding and turn your dreams into a success story.
 
To learn more, request your free copy of “The Bootstrapper’s Business Start-Up Planner”, by visiting my website.
 
©2009 Kimberly Kelly – All Rights Reserved Worldwide.
 
Permission to reprint this article is granted strictly on the condition that it be reprinted in its entirety, with all live links and author bio in tact.