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Tutorial 1 – Introduction & Welcome
Welcome to the Personal Pension Academy Free Course – The Wealth Accelerator. In this course I will teach you about money. I will show you how your spending habits today, can have a profound impact on your current and future income. I will challenge some of the conventional financial “wisdom” that exists in the financial industry today and how it is structured to make you fail. The course is divided into 2 modules. Module 1 covers the topics of saving and spending, and Module 2 covers Investing.
Tutorial 2 – How we are hard-wired to fail when it comes to money and the first 2 gears of money management
Most of what you have been taught about about money is flat out wrong. Most people let their emotions get in the way of making rational decisions. In this tutorial I explain the rational and emotional side of our money decision-making. I also teach you about the first 2 gears of money management and how they work together to dictate your financial future.
Tutorial 3 – The next 2 gears of money management – Time and interest rate
We should all be aware of 2 variables in money management – time and interest. In this video tutorial we examine the importance of these other 2 gears when applied to the cash flow quadrant. In order to get a better grip on our finances, we need to know how these gears work together with the first two gears to mould and guide our financial lives.
Tutorial 4 – Introducing the cash flow quadrant and why you need to understand why it is important
Managing money is all about cash flow. Cash is what runs our lives, yet so many people lack a fundamental understanding of how it works and how it affects of financial future. In this lecture, I introduce you to a cash flow quadrant that I hope will be useful to you when looking at financial transactions from this day forward.
Tutorial 5 – The right and wrong way of thinking about spending
Let’s face it. Most of us are spendthrifts to some degree. We have no problems when it comes to justifying purchases and expenses. The problem is that we justify buying things for ourselves using the wrong thought process. The objective of this course is to try to make you move from the wrong thought process to the right one.
Tutorial 6 – Example of how the opportunity gap works
In the previous tutorial I discussed the concept of the opportunity gap. In this tutorial we look at a couple of examples that will help you understand it. How much is that nicer car costing you every time you renew your lease? A nice cottage? How much is it going to cost you in the long run? Watch this tutorial to find out.
Tutorial 7 – Your home is not really an asset
Do you remember my definition of an asset earlier in this course? If you use my definition you will soon realize that your home is not really an asset. Actually, come to think of it, I consider it more of a money pit. In this lecture I throw convention to the wind and explain why I think this is the case. Many of you may not agree with me. Unfortunately, that is one of the problems that is holding you back from achieving financial independence.
Tutorial 8 – Spending and saving. Do we really know what saving is?
I don’t think a week goes by where I don’t hear someone say that they saved a lot of money when they bought something. Well, that may be true but did they really save any money? In todays disposable and spendthrift economy, do we even know what saving actually is? In this tutorial I show you the difference between saving, and simply not spending. Hopefully the next time you say you are saving money, you’ll think twice after watching this video.
Tutorial 9 – Introduction to Investing & The Wolf of Wall Street
We now begin to look at the investment side of equation. Many people make the mistake of leaving their finances in the hands of professional money managers and financial planners. Is that really a good idea? You may think it is but after watching the next 2 videos, including a small clip from the Oscar nominated film “The Wolf of Wall Street” you may change your mind.
Tutorial 10 – Your interests and your investment advisor’s interests are NOT compatible
We are going to begin by looking at the biggest mistake most people make when it comes to money management … they rely on “professional” money managers or financial planners. Unfortunately, many people have NO idea what this “advise” and money management is really costing them. In this video lecture I examine professional advisors and the way they are paid. We then apply this financial system compensation method to our new cash flow quadrant.
Tutorial 11 – Our misguided infatuation with the market value of our investments
Does this ring a bell … you receive your investment statements in late January or early February and you ask yourself “How did I do last year?” You look at the market value and then you base your entire analysis and actions on that number. Is that really the best course of action? What does market value really tell us about our investments. We are hard-wired to focus on market value which is the completely wrong thing to do.
Tutorial 12 – Start thinking in terms of distributions, NOT market value
From now on, we are going to look at investing from only one perspective. Distributions and cash flow. In this video tutorial I examine the differences between distribution and market value and what it means to your pocket book. Once you have seen this video, I’m hoping you will see that income investing is, by far, the most common sense way of investing your money.
Tutorial 13 – The 2 Personal Pension Academy formulas for saving and investing
Wouldn’t it be a lot easier if you knew how much something was really going to cost you in the long run? For the Wealth Accelerator and Personal Pension Academy I have developed 2 useful formulas that you can start applying to your savings and investing right away. In this lecture, I teach you what these formulas are all about and how to use them in your thought process going forward.
Tutorial 14 – How the 4-S-A formula works and some examples
Let’s have a closer look at the PPA formulas. In this first video tutorial I look at the 4-S-1 formula and examine some examples of how it works using the spreadsheet I developed for this course. As you can see, you can start reaping the benefits of investing for income and distributions soon after you start investing and build a good capital foundation.
Tutorial 15 – How the 5-5-5 formula works and some examples
Now let’s look at the pension building formula 5-5-5. After watching this video you’ll soon realized how easy it is to begin using the power of compounding and distributions to your advantage. It won’t happen overnight, but if you consistently save and reinvest your distributions, the results a number of years down the road can be mind boggling.
Tutorial 16 – The difference between return and performance
In my opinion, one of the most inappropriately used words when it comes to investing is “return.” It is used frequently when discussing how well your investments are doing, but what does it really mean? In this video, I discuss what “return” should really mean, and contrast it with what I believe is really a discussions of a stock or security’s performance. It is an important difference that everyone should wrap their minds around. I also discuss this in the context of what I call “Personal Pension Academy Math,” that is, the numbers you should really be calculating.
Tutorial 17 – What investing really is and how to make money in the long run
Investing is made out to be more complicated than rocket science. There are so many investment products on the market it is almost impossible for one person to keep track of them all. But what is investing, really? Is there a secret formula or recipe that you can apply to practically insure your success in the long run? What if I told you there is? What if I also told you that it isn’t really that big a secret and just involved common sense? In this tutorial I will teach you the only tried, tested and true way to make money using the dividend and income investing approach.
Tutorial 18 – Conclusion and next steps
To be successful, you have to put your fears behind you and start managing your own money. Given what you now know about what investing really is and the recipe that I have given you, it is not that difficult. Anybody can do it if you just stay focused and start thinking like a business owner rather than an investor. In this video, I offer you some concluding remarks and tell you where we can go from here.
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