Tag Archives: Goldenthird


Investing 101

One of the smartest things you can do in your life is make the decision to invest your money. The sooner the better! The richest and smartest members of the Golden Third know how to use their money to make more money. You should be making a retirement plan from the first time you have a job.

A simple savings account/GIC/Term Deposit  is not good enough. The reason for this is because most of these savings instruments offer a return on investment which is lower than the inflation rate. Inflation is the increase of prices on goods and services over a certain period of time. Essentially, every year the buying power of your money  is decreasing. The average inflation rate for 2014 in Canada was 1.95%.(Historical Inflation Rates).Right of the bat, your investment has to earn you more than 2% , just to break even. A simple savings account earns you .125%. A credit card usually charges interest at 19%. So the first goal is to pay off debts and then save.

Compounding Interest

This is a great video that shows how compounding interest works.

Simply “putting aside” money is not good enough. Assume you have $20,000 to invest and you put aside $415 every month for 40 years and DO NOT put it in a compounding instrument, you end up with only $199,200( # of months in year * # of years * $415) …… 12*40*415=  $199,200.

Now lets say you put the same $20,000 into a compounding instrument at 6%. Every month you deposit $415, which is about $5,000 a year. If you continuously do this for 40 years, you will have $1,000,000. If you start at 25 years old, 40 years later when you are ready for retirement, you will have $1,000,000 for your retirement spending! Try it yourself. Compunding interest Calc. You thought investing was risky? Not investing is much more risky!

So what are some investments that will earn you more than 2%. Mutual Funds are great investments, but they are a lot more volatile than your average investment. Dynamic Power American Growth Fund had an amazing return of 56% in 2014. Mutual Funds may have amazing years and horrible years as well, but the average return of a mutual fund over a long period of time is about 8 – 10%.

Start Thinking Differently

Broke people do this: They get a paycheck which is their revenue. They take that revenue and buy random stuff, the random stuff are their expenses. They are the consumers in the world.

Middle Class does this: They get paid and they buy liabilities, but they think these liabilities are assets. These liabilities are cars, houses etc. These liabilities are usually paid back on some sort of payment plan. These become their expenses.

Golden Thirds: People that are rich are aware of how their money can make them more money. When they earn their money, they buy assets. These assets in return give them more money. It becomes a cycle, this is when you can afford to make purchases.

This video makes it easy to understand revenue/expenses/liabilities. Learn how the rich get rich. They think differently than the average person. Open a business and benefit from the tax benefits. Tax is one of the biggest expenses in your life.

Live the The Golden Third Life!



How About a Step in the Right Direction?

The difference between Ron Paul and President Obama is  that Obama sells the population on hope of change. Ron Paul actually offers steps towards what are viable solutions to the problems our countries are facing. Unlike the majority of congressmen, Ron Paul does NOT give politically correct answers.

Some legitimate questions asked by Congressman Paul in the speech are:

Why are sick people that use medical marijuana put in jail? I’ll answer that in one sentence. The Health Industry would fail if it actually healed people. There are so many alternatives to the present cancer treatments, they are obviously highly suppressed.

Why does the federal government restrict the consumption of raw milk? Raw Milk Doc.

Why cant Hemp be grown in America? It is a clear solution to so many of the scarcity problems we think we have. Hemp Use Doc.

Why does the change in the political party in power have absolutely no effect on the change in policy? Probably because both parties have the same views.

Why is it political suicide to question APEC Asia-Pacific Economic Cooperation?

Why hasn’t the government given up on the drug war, when it is a clear failure? Denver is a great example of how legalization will lead to a decrease in crime. Great article.

Why would the banks and corporations get bailed out, while the people of the country lose jobs. The Corporations have been created for the purpose of making products/services for the people of the country. If the people of the country cannot even afford the products, what good is the bailout.

Why is the Gold Standard not used? Why has the currency been purposely debased? One of his best interviews, Ron Paul on commodities, freedom and sound money.

The real reason Ron Paul was not the next president of America is because he asked too many real questions. Anyone that asks questions like these is a threat to the system that has been put in place. According to past presidents, the questions asked are not even problems. How could they even be acknowledged.

Having this knowledge will help you in making decisions about investing, health choices and you will also have a view of the bigger picture. Think like a member of THE GOLDEN THIRD.




Health Benefits of Negative Ions

First of all what are negative charged ions? Atoms consist of protons and neutrons, which are at the center of the atom. Orbiting the neutrons and protons are electrons. If the number of protons and electrons is equal, then the atom is considered to be neutral. If the number of protons is greater than electrons, then the atom is a cation or positive ion. If the number of electrons is greater than protons, then the atom is a negative ion.

atomsThe negative ions purify the air by attracting pollutants, bacteria, dust, and other contaminants in the air. Since dust particles and other contaminants have a positive charge, they are  magnetically attracted to negative ions. When enough of these particles are clumped up together, they fall to the ground. They still need to be vacuumed off the ground, but the benefit of them being on the ground is that you are not breathing in the harmful air.

Major Benefits of Negative Ions

  1.  Improve the body’s metabolism and strengthens its immune system (Read More)
  2.  Improvement in moods, concentration and sleep, effectively relieve stress and fatigue, cure headaches and fight depression (Read More)
  3.  Eliminate dust, pollen and various pollutants, relief from allergies, asthma, bronchitis, removing bacteria from the air (Read More)
  4.  Negative ions counteract the effects of smoking (Read more)
  5.  Promotion of alpha brain waves, leading to faster learning and better memory (Read more)

Since there are so many benefits of negative ions, hospitals should be required to ionize the air.

The concentration of negative ions is very distinct in different environments.


100,000 – 1,000,000

Forest, grass fields, beaches

50,000 – 100,000


100 – 1,000

Air conditioned rooms

0 – 100

*Negative ions per cubic centimeter

Do you remember the amazing feeling of refreshing air in the forest, but particularly near a waterfall? Now you know the reason!

Negative Ion Study Done in South Korea

An easy way of negatively ionizing the air in your home or work area is by purchasing a Himalayan salt lamps. These lamps can increase negative ions in the air by 300%. Another way of increasing the negative ions is by simulating a water fall. You can do this by purchasing a water fountain. The constant crashing of water will create a lot of negative ions.

Other Negative ion studies:

PROJECT: AIR (Atmospheric Ion Research)

Negative Ions and Computers


The Golden Third