23.07.2015

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When it comes to financial advice there is no one more esteemed and educated than Warren Buffett. When you first start a business or trade stocks and make a profit, its tempting to spend it. When Warren Buffett began managing money in 1956 with $100,000 cobbled together from a handful of investors, he was dubbed an oddball. Warren Buffett learned this lesson the hard way as a kid, when his grandfather Ernest hired him and a friend to dig out the family grocery store after a blizzard.
Known as a frugal man, despite his vast wealth, Buffett looks for managers who also obsess over the smaller expenses. When you’re struggling to make a decision, put yourself through all the worst and best case scenarios possible. The Money Project, a collaboration between Visual Capitalist and Texas Precious Metals, has visualised the world’s wealthiest people on this interesting chart. Yeah, we all like to say that doing what you love is more important than making the most money, but you can’t pay the rent with passion.
Althought intelligence is an enviable quality, it is hardly an indication for success later in life — especially on its own. As anyone who follows DJ Khaled on Snapchat knows, the keys to one’s own success lies deep within them. Apple’s new UFO-style headquarters is finally coming into fruition after years of preperation and initial construction. About UsThe Roosevelts are group of gents producing content that inspires, educates and entertains. This article exposes the secret methods certain pastors use to get rich off God’s people.
Important Note: As you read please remember that very few pastors use the techniques you are about to discover.
You will discover the secret techniques that certain pastors use to transfer money out of your pocket and into theirs. Finally, reading this article can help you please God more, since you will no longer be investing in ungodly works. Like Judas reaching into the money bag, the sad reality is that a small minority of Christian pastors steal from God’s people. We’ve all been approached at some time by a friend caught up in the hope of multilevel marketing.
The first product is the leader’s book (often ghostwritten and fraudulently claimed to be authored by the leader). If you have a big market (congregation) and are willing to let others come and sell there, then your fellow pastors will invite you to come and sell into their markets (congregations) too. Not all visiting church speakers are on the circuit, the difference is in the amount of money their visit extracts.
Of course the hosting pastor will then get the same treatment later at the visiting speaker’s church, including his own big fat love offering.
These Sunday service speaking engagements are the bread and butter, to the glamour and super-liquidity of the hyped conferences. Another way bad pastors extract money from their captive market is to set up a business, and then get their congregation to patronize their business.
Businesses like: bookshops, counseling, gyms, production firms, computer consulting, cinemas, business coaching services, supermarkets, building firms, music festivals, music studios, real-estate firms, and many more. Members in the church who show loyalty to their pastor’s businesses are rewarded, often with increased standing in the church.
The power of those in the inner-ring is determined by the amount of favor the pastor bestows upon them.
Another way the pastor uses his inner-ring to extract cash, is via high pressure offering talks in the church services.
One of the church’s inner-ring will take the Sunday offering, which in these money focused churches can turn into a mini-sermon. In the extreme money focused churches it is made known who gave the most and who gave the least, and in these churches the giving will not be in secret but people will be expected to come up the front so that everyone can see how much they give. Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. Like the cathedral building wars in the middle ages where cities and countries vied against each other to build the most impressive cathedral. The most impressive churches require the most magnificent buildings, the most professional entertainment in their services, the best church programs, and the best conferences, the best websites, the best radio and TV programs, and the most members. And just like in the days of old these self anointed church kings seek to tax their subjects to fund their private war. Understand that these cultic churches ultimately exist to serve their pastor’s insecure egos, and their congregation suffer under their madness.
Is it ethical for the pastor (or his company or trust) to own property that the church is paying for? Another variation on this scam is the church trust being controlled by the pastor and his family, so they control both the church’s cash and property.
The elders who direct the affairs of the church well are worthy of double honor, especially those whose work is preaching and teaching.
Obviously one of the ways greedy pastors can extract money from God’s people is via excessive wages. Be even more suspicious whenever you hear a pastor’s wage being justified by comparing him to a CEO.
Expensive leased cars, holidays, clothing allowances, spending money, restaurant meals, hotels, flights, and expense accounts, are some of the perks demanded by these luxury smitten pastors.
Rather, we have renounced secret and shameful ways; we do not use deception, nor do we distort the word of God. Your Counter Strategy: Stop giving money in protest, until the excessive perks are removed. Their favorite Malachi verses cannot be used for Christians since Christians are not under the law of Moses. Abraham’s one off tithe of his war booty did not set up a precedent for Christians to regularly tithe their income. The New Testament teaching is that you decide how much to give, and there are no rules about where it goes. It may come as a surprise to learn that their tithing doctrine is a combination of twisted scriptures and wishful thinking, as opposed to solid Biblical exegesis reflecting a central thrust of New Testament teaching.
But now, by dying to what once bound us, we have been released from the law so that we serve in the new way of the Spirit, and not in the old way of the written code. What is more, this tithing doctrine they teach isn’t found in either the New or Old Testament. Tip: If you are struggling to feed your family or buy them clothes, then understand that you do not need to give to the church. Tip: Churches that push this erroneous tithing doctrine will often try to enforce tithing via written agreements (called covenants), and also by monitoring what people give (so they can compel them to give more if they are not meeting the ten percent target). Using the connection they claim to have with God they threaten you with the stick of spiritual curses if you disobey them, and dangle the carrot of spiritual blessings if you comply. In these pastor’s prosperity teaching, obeying the pastor and giving money are the two pillars necessary for a successful Christian life. These men want to be at the head of everything, they want to dominate you, they want to be seen as the big man, and some even secretly desire adoration (almost worship). I call God as my witness that it was in order to spare you that I did not return toCorinth.
Jesus called them together and said, “You know that those who are regarded as rulers of the Gentiles lord it over them, and their high officials exercise authority over them. I believe many church goers would be shocked if they could comprehend the real attitude their pastor has towards them. To summarize what we have learnt about the methods money hungry pastors use to feed off their flock: We discovered the multilevel marketing pattern that these often ex-salesmen (not theologians) model their churches.
For nine decades, the Kiplinger organization has led the way in personal finance and business forecasting. But maybe you're willing to take some calculated risks in pursuit of the freedom that money (and lots of it) can give you to make choices that can bring satisfaction, whether that means buying your dream home, giving generously to charity or escaping the 9-to-5 grind. An ambitious goal is critical if you want to expand your business, says Barbara Findlay Schenck, a small-business strategist and author of Selling Your Business for Dummies.
Creating a product and licensing it or selling it through retailers is another route to making money from your good idea.
One of the biggest mistakes that aspiring inventors make is to create a product before they've determined whether there's a demand for it, says Sidnee Peck, who teaches classes in entrepreneurship at Arizona State University's W.P.
Nancy Tedeschi came up with the idea for SnapIt, an eyeglass-repair device, after her mother used an earring to jerry rig her broken glasses. You can make a lot of money fixing up run-down houses and selling them for a quick profit, but you need cash to venture into this business.
Don't forget to factor in the expenses you'll incur while you're holding the property, along with closing costs. The average interest rate for a 30-year, fixed-rate mortgage on a rental property is only about 4%, according to mortgage Web site LendingTree.
Once you've purchased your first property, you can use the equity to buy additional properties, typically through a cash-out refinancing, says Doug Lebda, chief executive officer of LendingTree.


A good one-off viral video is under three minutes and it gets you hooked within the first ten seconds.
If you can withstand 12-hour workdays on an oil rig in the North Sea or maintain your composure during military coups, you may be rewarded with free housing, a six-figure salary and the chance to see the world. According to Rigzone, an oil and gas industry data provider, entry-level workers on a rig earn more than $68,000, on average; the pay ratchets up dramatically as you gain experience, which is easy to do in an industry that believes heavily in on-the-job training, says Rigzone president Paul Caplan. A bonus: Hardship posts in a remote locale afford few opportunities to spend -- so there's not much to do with your money but watch it grow.
He is considered to be the wealthiest investor of our generation and is also a really nice guy, pledging to give away 99% of his wealth to philanthropic causes. With the money they earned, they bought more machines until they had eight in different shops. He worked in Omaha, not Wall Street, and he refused to tell his parents where he was putting their money. Exercising vigilance over every expense can make your profits and your paycheck go much further. Borrow as little as possible, and where you can, start a business with as little capital as possible.
Gamblers have a habit of trying to recoup their losses by gambling some more, and before they know if, they’ve lost a months earnings. Its not measured by the amount of dollars in your bank account, because if it was he wouldn’t have given almost all of his wealth away.
In the world of billionaires, entrepreneurs, inventors, thinkers, heirs and heiresses all have their place on the top teir list.
Servicemen and women are imbued with universal strengths in terms of leadership and teamwork that enable them to be some of our greatest CEOs in civilian life.
Think back to your school days and the loner bookworm who was incredibly intelligent but with the gumption and likability of a sea cucumber. Have you ever wondered how some pastors start a church and then become wealthy living in flash houses and driving luxury cars?
The great majority of Christian pastors do not earn much money even though they work hard at their jobs. As Christians we hate to face this truth, but I believe we must, because it is our duty to protect our less aware brothers and sisters – keeping them from these thieves.
Don’t be naive thinking that these schemes have spread throughout the world by accident.
In the temple courts he found men selling cattle, sheep and doves, and others sitting at tables exchanging money.
The business they are pushing is simple, sell toothpaste or web sites or whatever, and then recruit people under you doing the same, taking a cut from their sales. These leaders did not become wealthy by following the dream, instead they became wealthy by building up a group of people who believe passionately in the dream, and then selling dream-promoting wares to this captive audience.
They did not become rich by selling toothpaste; they became rich by hyping dream-promoting books, tapes, DVDs, and conferences to their own private market of dream believers. The conference fee is nothing, compared to the fire-fighting-bomber worth of blessings and wealth God will dump on your head from upon high. The bigger your own market, the larger the markets that will open their doors to you – as long as you are willing to reciprocate.
The circuit has no formal structure like say a football league, but rather is like an exclusive network or an old boys club. These wannabes practice hard and desperately seek in-circuit patrons because the financial rewards are significant.
There is nothing wrong with a speaker’s flights and accommodation being paid for, along with the speaker receiving a fair payment for his time. If the visiting speaker does not have a church, then the hosting pastor will expect a cut from the speaker’s product sales. I would not like to be in their shoes when they finally meet our Lord, or for that matter anywhere within the blast radius.
Demand transparent accounting to the whole church of all costs of visiting speakers, and for that matter transparency about any income your pastor is earning while speaking at other churches and conferences.
Ask questions about who owns them, and where their customers are from, if eighty percent or more of the customers come from the pastor’s church then that indicates where its marketing is targeted.
It works this way, the inner-ring will figure out what the pastor would like, say for his birthday. Or people will be watched to see if they put anything in the offering container as it is passed down the aisles.
The pastors of these money focused churches fight to own the most impressive church to top their rival pastors – their egos demand that they are the king of the heap. This type of church culture breeds a harsh environment where people are discarded as soon as they are no longer useful. Realize that these churches are not focused on Jesus, but are centered around the narcissistic pastor and what he desires most. But ultimately if church money is paying for an asset the pastor owns, except via his wages of course, then it is almost certainly wrong.
The amount of which they will often decide themselves, or have conferred on them by their sycophants (via the church board, or the church wages review committee, for example). If he will not reveal the information then stop giving to that church until it is revealed.
On the contrary, by setting forth the truth plainly we commend ourselves to every man’s conscience in the sight of God. Members are instructed to wear expensive clothes and groom themselves in the manner expected of the rich. Tithing in the old testament does not match what these pastors preach – this unique tithe teaching is of their own invention.
You can still do so if you choose, but you should not feel under compulsion since your family is more important. That doesn’t mean to stop giving to Godly works, we would encourage you to give as the Holy Spirit prompts you and as you decide. They seek to dominate your life; often implying that they have say in where you work, where you fellowship, who you marry, and of course, when, where, and how much you should give.
Not that we lord it over your faith, but we work with you for your joy, because it is by faith you stand firm.
From my experience with both the cults and these money focused churches, it is my impression that instead of being looked upon with love, these pastors see their congregation as farm animals to be milked. I hope now you will be able to spot this counterfeit Christian life and be able to transition into a closer walk with Jesus; a walk built on love, trust and grace, not fear. The Kiplinger Letter, launched in 1923, remains the longest continuously published newsletter in the United States. They all made their mark (and their millions) by coming up with a better idea and running with it. Convinced that she could improve on the tiny tools contained in most eyeglass-repair kits, Tedeschi invented a small screw with a snap-off extension. It's tough to get a mortgage for a property you plan to flip, but a home-equity line of credit against your primary home is a good source of funds for first-time flippers. Before buying a property, research recent sale prices for nearby homes to get an idea of what you can make, and find out how long the homes were on the market. That means your monthly rental income should cover the mortgage, which wasn't possible when rates were 7% or higher, says Michael Corbett, an adviser to the real estate Web site Trulia and author of Before You Buy! He now owns eight rental properties in the Baltimore area, and the return on his investment has far exceeded his initial expectations. The harsher the environment, the better the incentives: Foreign Service jobs add up to 70% of base salary for certain field positions in Iraq and Afghanistan.
One question he repeatedly gets asked is ‘How Can I Get Rich?’ and from his writings and interviews we present to you 10 Ways To Get Rich According to Warren Buffett. When the friends sold the venture, Warren Buffett used the proceeds to buy stocks and to start another small business.
People predicted that he’d fail, but when he closed his partnership 14 years later, it was worth more than $100 million.
Always nail down the specifics of a deal before a deal is done, even with family and friends.
To have the courage to work harder and longer than anyone else is willing to will make you richer, period.
Getting good at knowing which risks to take and which to pass up will make the biggest difference for you. He says ‘When you get to my age, you’ll measure your success in life by how many of the people you want to have love you, actually do love you. Well this article exposes how they do it, extracting money from their congregations to fund their lifestyles. These techniques are talked about and shared behind closed doors by the clique of pastors who employ them. Seriously, if you don’t believe that there are men like that, then watch the 1972 documentary Marjoe. So he made a whip out of cords, and drove all from the temple area, both sheep and cattle; he scattered the coins of the money changers and overturned their tables. Soon you will be so rich that you can buy a flash European car and give stacks of money to Godly causes.


Like bad business books they have one good idea, if that, and then are padded with motivational sayings and anecdotal stories of how the leader obeyed the dream and so God hosed him down with wealth. Avoid buying it if the pastor or speaker has hyped it during his talk and especially if there is a lot of peer pressure from the group to buy.
Let me ask you a question, is it ethical for a leader who has been paid by his church to prepare and deliver a sermon, to then take that performance and sell it back to his own church members for a healthy profit? De-program yourself from the idea that conferences are like a spiritual hot-point you just have to be at.
But if the amounts are excessive and the perks extravagant, then that is an unacceptable waste of the Lord’s money.
The sales of their books and DVD’s are carefully planned, and the hosting pastors are expected to hype their products. The speakers at these conferences are like sharks in a feeding frenzy, seeking to boost their profit margins with the over inflated prices of their products. No pastor earning reasonable fees from away engagements would have a problem with this, assuming of course he is on leave when he speaks and not double dipping. They couldn’t demand the gift openly themselves, but seek plausible deniability by having their inner-ring lieutenants do the work. Imagine the furor if a politician was caught siphoning off government money into property or assets owned by himself. Then look at what your pastor owns directly or indirectly, and who is paying for those assets. Openness regarding the pastor’s stipend has been a practice of the Christian church for hundreds of years, and continues today. They are using God’s money to misrepresent how wealthy they are, to help prove their false teaching works. Also understand that if you are poor then that does not mean God is cursing you, or that you have done something wrong; this is an erroneous teaching these greedy men promote to guilt you into giving. God would not be party to a covenant that contains falsehoods, therefore God was not party to the covenant you were pressured to sign, therefore you are free from this burden. But it is valid to protest false doctrine by refusing to fund the system that promotes that false doctrine. They commit the sin of the Pharisees and appoint themselves as middle men between God and you. Instead, whoever wants to become great among you must be your servant, and whoever wants to be first must be slave of all.
If you have been hurt by these practices then feel free to give up on these twisted money-focused environments, but please do not give up on Jesus. The people we interviewed who have made it big didn't always get there on the first or second try.
Starting a business is a proven path to wealth, and the best way to get there is to start small and scale up -- which usually means being bought out by a larger company, selling franchises or licensing your product.
She encourages her students to talk to potential customers in person before they develop their products. Short-term bridge loans from private lenders, known as hard-money loans, are a higher-risk way to get the cash -- and charge higher interest rates. Successful flippers usually sell their properties in 30 to 60 days, says Letitia Patterson, a real estate agent who has invested in properties in the Detroit area.
Once he comes up with that number, he subtracts buying and selling costs (typically 10% to 15%), a profit margin of 15% to 20%, and the cost of repairs. Khan and his business partners are exploring opportunities in North Dakota, where the oil boom has led to an acute housing shortage. A more reasonable goal for amateur filmmakers is to score viral fame with a YouTube channel. Instead of following the crowd, he looked for undervalued investments and ended up vastly beating the market average every single year. Warren Buffett was horrified that he performed such backbreaking work only to earn pennies an hour. That’s the ultimate test of how you’ve lived your life.’ True success is impacting peoples lives and living your life to your full potential. Please do not make the mistake of tarring the many good pastors with the brush reserved for the spiritually corrupt few. Money you can take and invest in genuine works of God, or in toys for your kids, or perhaps something shiny for your spouse. The products are, well you guessed it: books, tapes, DVDs, and conferences, and t-shirts, and most ominously spiritual rewards and the prevention of spiritual punishments.
But the Bible does not teach that Christians are bound to their local church organization, this idea is foreign to Scripture. I’m not talking here about paying for reproduction costs or the money going into church funds.
Well, often the first-movers can’t figure out how to monetize their success, we can’t blame Jesus for that, can we?
If they rake in the cash then their position is secure, but if they score low then no matter what excuses they have they know the pastor will blame them.
Stop giving to that church until any unethical dealings like these are stopped and the money repaid.
Only those pastors who have an excessive wage would be reluctant to let the amount become public knowledge. People who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge men into ruin and destruction. A good church will choose the very best people for the job, while a bad church will reward those closest to the pastor with the lucrative positions of power. Instead, the greatest among you should be like the youngest, and the one who rules like the one who serves. And if you give, then give to honor God and not out of fear of punishment or greed for financial gain. Next we talked about how spiritually dishonest pastors set up their own businesses that their followers are expected to patronize. Therefore, can we conclude that men who peddle the word of God for profit are not sent from God?
You can also get advice from more than 13,000 small-business volunteers through Score, a nonprofit organization supported by the Small Business Administration. That means making a series of videos, each of which can run a little longer than three minutes. These books would tank on Amazon or in a real bookstore, but hyped to their captive market they sell like hot cakes. Be led by the Spirit to conferences, not pulled by the fear of losing your church friends and God’s blessing.
Surely then it is our duty as Christians to give that money to true Godly works that bear real fruit for the Kingdom. The excuse given is that the appearance of success breeds success, but this is nonsense, more likely it breeds significant debt.
If anyone does not provide for his relatives, and especially for his immediate family, he has denied the faith and is worse than an unbeliever.
Second, recording what you give and using that information to pressure you to give more is wrong, the Bible implies that our giving is best done in secret so that only we and God know what we gave.
Memorize this verse: Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.
The Kiplinger editors remain dedicated to delivering sound, unbiased advice for your family and your business in clear, concise language. If you’re feeling the hype, then cool off for a few days, buying the book later if you still want to. The real reason the leaders want their church members to appear successful is to trick others into thinking that the prosperity dream that they preach really works. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs. We delved into the high pressure offering mini-sermons that are designed to guilt people into giving.
We examined how most of the money gained is used to build the pastor’s modern day cathedrals, projects that their fragile egos demand. We exposed the scam of siphoning the church’s cash into properties and assets owned by the pastor. We covered the obvious points of excessive wages and extravagant perks, and that was followed by the not so obvious problem of nepotism. Their big daddy came second to last – their fabricated tithing doctrine was exposed for what it is, a fraud. Finally we discussed the spiritual carrot and stick of the false authority that the pastors claim.




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