The American Education Institute

Do you realize that today in the United States of America there are fewer than approximately 1% of the people earning incomes of a million or more dollars per year, but more than 20% of the people live in poverty? About 80% of Americans die dead broke and have less money at age 65 than they had at age 18. Why is that? If this could be put into simple terms of “success and failure,” would it be fair to say that only 1% of the people succeed while more than 20% fail? Granted, many will argue (and rightly so) that becoming a millionaire is not the only measure of success, but for this simplistic example it seems as though such a tiny percentage of the population actually fulfills its dreams while such a large percentage doesn’t. The people who attain their financial dreams, at least, are often called the “haves.” Those who are boderline poverty cases are often called the “have nots.” What then are the characteristics that separate the former from the latter?

Perhaps the “haves” have more desire, more drive, more commitment and dedication. Maybe they are better educated. Possibly they have more courage (to take risks, for example) or more optimism. If it easier to be optimistic when you’re rich? Perhaps you think so. Do the “haves” simply have more discipline? More perseverance? More experience? More determination? Are they better organized? More systematic in their approach, and more realistic in their outlook and expectations? Or are they simply luckier than everyone else?

Do you know what the truth is? You too could have any or all of these characteristics and still be poor! But the one consistent ingredient that seems always and forever to separate the “haves” from the “have nots” is the simple existence of a written plan. Yes, that is correct. If you are going to be successful, you first need to write down a plan as to just exactly how you’re going to do it. It should be logical, reasonable, and well-thought-out plan for getting from exactly where yu are right now to exactly where you are going to be at a time you specify in the future.

My course, entitled “100% Financing When Buying Real Estate” will help you write that plan for success in its entirety. My course and text will convince you that your plan is the right plan: right for you today, given your personal situation, your skills and abilities, and your local community and its economic conditions. If you dilligently apply what you learn in this course, you too could be one of the “haves.”

If 20% of the people in this country are the “have nots” and only 1 percent are the true “haves,” then what’s with the remaining 79 percent? These must be the “struggling-to-gets.” You might be in this group as well.

The vast majority of America’s population, sometimes referred to as the middle class, consists of people who are basically living paycheck to paycheck. In other words, everthing they make is spent, and everything they owe requires their next paycheck to cover it. If they miss a pay check—through job termination, layoff, corporate downsizing, or whatever—right away they need to borrow in order to pay their bills. Another term for this is “living hand-to-mouth.” Very few people have savings in an amount equal to three months’ living expenses, which is what most financial planners suggest everyone should have.

Most people living hand-to-mouth work only as hard as they need to in order to keep their job and their paycheck coming in. They make just enough to pay their monthly bills which include mortgage and car payments, take care of their basic life’s needs, and entertain themselves and their families. Their employment benefits may for may not include health and life insurance, pension, profit sharing, an expense account, or a company car. But they generally get no further than this. Their employment situation will never enable them to become really rich. Neither will they let go of the “security” provided by a steady paycheck, even though they all know deep down that the way to wealth can never be found by working for someone else. So what in the world holds them back and keeps them doing “what they have to do” in order to make a paycheck?

Some possible reasons why people in America might continue to root themselves in the status quo are the following:

1. A Sense of Hopelessness
2. A Feeling of Complacency
3. Simple Procrastination
4. Insufficient Education
5. Lack of Self Control
6. A Feeling of Low Esteem
7. A Sense That What They’d Really Like Is Too Scarce for Them to Obtain
8. Basic Skepticism
9. Negative Conditioning From Loved Ones
10.A Real Fear of the Unknown
11.An imaginary Fear of Success
12.A Conditioning Toward Failure

Those are perhaps the most common reasons why the vast majority of people in America do not, in fact, devote themselves to pursue the higher goals of the “haves.” These may well be the reasons for perpetuating their hand-to-mouth existence in the first place. You do not want to use the reasons listed above as your own excuses for not seeking a higher goal. When you commit yourself to the goal of reading the text and taking the course, “100% Financial When Buying Real Estate,” you will have found the winning ticket to becoming one of the “haves” in America.