Robert Kiyosaki Blog

Financial Education Portal inspired by Robert Kiyosaki

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I got a Margin Call on Silver Future position
Aug11

I got a Margin Call on Silver Future position

When I first talked about “Margin Call” and explained what it means to my girlfriend she understood that someone will call me say something like this: “Peeter, thank you for your money. You don’t have it anymore.”The real truth is that no one calls you – just there is no asset anymore and no money also…I have had two earlier posts on this: Silver is going up 🙂 Background story about buying Silver So what happened?After writing “Background story about buying Silver” in some moment I changed to Silver future from SLV position. First I bought one Silver Mini-Future contract which was approximately for same quantity of Silver than I had in SLV before, so for 2500 ounces. Then it felt good and I thought – let’s take some more risk and I changed to one Silver Future contract, postion for 5000 ounces. So bacically to make it simple, I put 20 000 USD to my investing account and did these earlier mentioned deals. Today just some moments ago I have 4054,69 USD on my account and no position in anything. Couple of thing I didn’t take into account: Silver may go down in price. OK, I read a lot of articles about the price in future… and all those suggested rather higher prices… I even read a realistic article that the price should stay between 15 and 30 USD and hoped for 30 :-pAs long as Silver stayed above 15 USD I had enough funds to cover this position in my account. Today it went under… at least I see SLV price now 14,44 USD. I didn’t take into account that the Exchange NYMEX will lover the Margin needed… I went in knowing that it is 8000 USD and I thought that when my position is worth less it gets sold automatically. They lowered the Margin needed to 5000 USD and as I found out now it got sold automatically when I had 4000 USD left in my account. Good that I didn’t had any other assets on that account 🙂 I had no stop order on place… accually I even don’t know how to put this into place :-/ Now I can say this was a costly wake-up call. I better start learning more… At this point I have the plan to add some funds to this account and buy a new position in Silver Futures when Silver price will go over 14-day moving average or 200-day moving average whichever comes first. So I will at least have some kind of other strategy than buy and pray (Just kidding!). At this moment I’m looking this information at...

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Housing Market Crisis Opportunity?
Jul22

Housing Market Crisis Opportunity?

Last night I happened to catch an episode of “Larry King Live” which included a feature on the current housing crisis along with a panel of participants including Robert Kiyosaki, author of ‘Rich Dad Poor Dad’, and Donald Trump. While the stats by now are known to most people – The Shiller Home Price Index was down 15.5% for April ‘08 vs April ‘07, and over 1 Million foreclosures have been filed with many many more expected, the real overarching questions were a) is this a good time to sell and if you have to sell then what can you do to sell, b) what do you do if you are a homeowner facing foreclosure, and c) is this a good time in terms of opportunities to buy and invest? The unanimous consent amongst the parties was pretty much as follows a) This is not a good time to sell obviously and if you do not have to sell then you shouldn’t. If you do have to sell then you can sell if you price your property appropriately. This means first of all IGNORE what other homes are listed for, the only thing that matters is what homes have actually SOLD for recently as a valuation bench mark. If you must absolutely sell then discount your home 20% below current market value and you will find that it sells very rapidly. The bottom line is that it is not that there are no buyers, it all boils down to the numbers. At our business we have been working diligently for the past 2 years, communicating to our sellers that the one thing that is more important than anything else in determining whether or not a listing will sell is price. We have some listings that have lingered without activity for a year where sellers simply refuse to face the realities of the market, and then other listings that are selling in a week, because in those cases the sellers are realistic and follow our advise. The Sarasota real estate market is what it is and if you ignore market realities then you simply will not sell. b) If you are a home owner in trouble the resounding agreement was that the very worst thing you can do is ignore the lender when you get your notice. Lenders do not want to own your home, and they are willing to work out loans with home owners and today you have a lot of leverage as a owner in renegotiating your loan. The only predicament today is unfortunately that lenders will not discuss your loan until you are at least a...

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Indy Mac Bank Fails!
Jul12

Indy Mac Bank Fails!

Federal regulators took over Indy Mac today. Check out the story! Less banks and less money in the capital markets means more money necessary for investors from private sources! View post:Indy Mac Bank...

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Rich Dad’s 8 Core Values for Success

Robert Kiyosaki, author of the best-selling Rich Dad, Poor Dad series, shares tips for getting ahead in business. Find equal opportunities. Don’t be a victim of the survival-of-the-fittest technique. Make yourself marketable. Get a life-changing business education. Feed your mental, emotional, physical and spiritual needs. No, this doesn’t necessarily mean sitting in a college classroom. Get an education from life. Latch onto friends who will pull you up, not push you down. Protect yourself from negative influences. Find value in your network. The more people you can meet in business, the better. Develop your most important business skill. Communicate, communicate and communicate. Be a leader. Influence others by being a great teacher. Don’t work just for money. Work to build wealth, not money. Invest. Live your dreams. First of all, make sure you have dreams. Then make them a reality. You can be a successful businessperson and still make your dreams come...

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Jun25

Gaming in Scottsdale at this time

Source:Gaming in Scottsdale at this...

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RichDad goes Global by Franchising
Jun25

RichDad goes Global by Franchising

Just look at the video and find out more… Originally posted here: RichDad goes Global by...

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Review: Rich Dad’s Before You Quit Your Job by Robert Kiyosaki
Jun19

Review: Rich Dad’s Before You Quit Your Job by Robert Kiyosaki

After reading Robert Kiyosaki’s book Rich Dad Poor Dad and loving it, I eagerly wanted to get into his book Rich Dad’s Before You Quit Your Job: 10 Real-Life Lessons Every Entrepreneur Should Know About Building a Multimillion-Dollar Business, even though it’s too late for me since I already work for myself. Overall it’s a pretty good book, but not as captivating at the original, probably because this time he’s not telling stories as much as detailing the thought process people should be ready for before deciding to start working for themselves. In that vein, I wish I’d been able to read it before I went out on my own. What’s really different about this book is that the most important lessons to be learned are actually in the introduction and chapter one. If, after reading those two chapters, your mindset isn’t geared correctly based on the criteria, then it’s probably best not to even start the process of working for yourself. For instance, his list of 10 excuses people usually utter as to why they feel they can’t go into business for themselves is illuminating right from the beginning, and later he mentions that one shouldn’t wait for all the lights to turn green before pulling the trigger. He uses Microsoft as the perfect example of that philosophy; we all have experience with that. Kiyosaki loves the number ten, obviously, because he then lists 10 reasons people need to consider before they actually transition from employee to entrepreneur. Those things are: 1. Ability to change philosophy from security to freedom 2. Ability to operate without money 3. Ability to operate without security 4. Ability to focus on opportunity rather than resources 5. Having different management styles to manage different people 6. Ability to manage people and resources they do not control 7. Team and value oriented rather than pay or promotion oriented 8. Active learner – no graduation day 9. Generalized education rather than specialized 10. The courage to be responsible for the entire business And, the book is subtitled 10 Real-Life Lessons Every Entrepreneur Should Know About Building Multimillion-Dollar Business, which is the heading for the ten chapters in the book. He actually calls the first nine Sharon’s Insights, named after the person he wrote the book with, Sharon Lechter, with whom he co-founded the Rich Dad Organization. There is a lot one can get from this book. For instance, he has his five jobs every entrepreneur needs to have covered; he has his three biggest mistakes most independent business owners make; he has the six ways an entrepreneur can raise money; on and on. He talks...

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Jun17

Success Is Painful

What Do Getting Into Shape and Building a Successful Business Have in Common? Pain. Believe me, I know first hand. Having helped build the Rich Dad company’s IT infrastructure from the ground up and having gone from 28% body fat to just 14% in just 12 weeks. I understand the meaning of the word pain. I understand what it means to push through the pain. To endure the pain. The question is: Do you have what it takes to push through the pain no matter what? To see your goal so clearly that no amount of pain will stop you. There were times during my 12 week training program where I said to myself, “What in the $^#& are you doing this for? What were you thinking?” Each time those questions came up, I had one answer for myself, “Because this is what your goal was. This is what you told yourself you were going to do.” It also helped that I had announced my goal to the entire team at Rich Dad at one of our Tuesday Morning meetings. Once I did that, I was committed. I had to push through whatever pain the trainers threw at me. The same goes for building a business. Is it always fun and games? Hell no! Building a business is painful. Sticking to a goal of making your business successful is sometimes painful. The bottom line is that most things that are worth doing, are painful, or at least scary. Imagine if climbing Mount Everest was as easy as a walk in the park? Then everyone would do it. In fact it is extremely difficult, requires a ton of preparation, a lot of pain and sacrifice. That is why so few people go through with it and reach the ultimate mountain climbing goal of standing on top of the world. The same can be said for successful businesses. Imagine if it were a walk in the park to build a company like Apple? Then everyone would do it. There would be world-class companies on every corner. But that is simply not the case. Imagine what Steve Jobs went through when the board of directors kicked him out… of the company HE FOUNDED. Pain? I guarantee it. The caterpillar emerging from the chrysalis goes through an incredible struggle, an enormous amount of pain. The goal? Flight. Talk about motivation. Are you ready to step up and endure the pain you will need to push through in order to reach your goals? Go here to read the rest: Success Is...

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Number of mortgage brokers may be dropping by 80%!
Jun13

Number of mortgage brokers may be dropping by 80%!

Wow. The mortgage business has been hard for many mortgage professionals as the real estate market has cools from a flippers dream or from the idea that just owning a home makes you rich. I’ve seen many many mortgage originators and brokers go into other lines of work and honestly who could blame them? With Massachusetts adding the requirement of licensing, the number is now being seen as falling as much as 80% from the height of the real estate boom when mortgage brokers made easy money and lots of people entered the field. This comes from the Massachusetts Mortgage Bankers Association. Read the article from the Boston Business Journal! Thanks go to Danielle Rocheford for forwarding the article to me. There is likely a silver lining in this for the mortgage brokers that stick. They will have far less competition and the ones that stay should have a lot more business I’d guess. See the original post here: Number of mortgage brokers may be dropping by...

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Jun12

Need vs. Power

We just got out of a meeting with Robert and Kim where I learned a valuable lesson. The relationship between a person’s need and their power. So, here is how I understand it: when your need is high, such as you are in a position where you need the money, or need the job, or need a favor, you power is, as a result, low. *Geek Alert* I kept thinking about the scene in Star Wars Episode IV where Luke has to sell his land speeder because he is about to leave the planet forever and head off to Alderan with Obi Won Kanobi.He is disappointed at the price his speeder demands due to the fact that a new model was just released. His power in the negotiation was very low because his need was very high. I have experienced the same thing, but on the other side of the deal. When I walk into a car dealership, I am constantly talking to myself, saying “You don’t really need this car. It is just fine if you leave here driving the same car you did when you came in.” When I am in that frame of mind, my power shoots through the roof! There is no pressure. The sales person has nothing on me because I am more than willing to walk away. When you are negotiating a sale, or attempting to recruit someone into your business, being a low need gives you all the power. Here is the original: Need vs....

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