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Most of the financial advice people read and hear out there consists of boring (and mediocre) recommendations from second-rate influencers whose only goal is to sell you their book. Or their affiliate commission. Or both. ​ I know it very well… I’ve been an avid consumer. ​ I'm talking about those people who flood the internet with ideas like:
​ They're a plague. And of course, since their messages are everywhere, it's inevitable that people end up reading them (and believing them). But they’re a lie. A scam. A cheap fairy tale. A farce. A joke. ​ Because let’s be real... Saving an extra 50 euros a month by skipping a couple of beers won’t make you a millionaire through the magic of compound interest. It will make you more miserable (a lot more), but not richer. ​ If you want to live a different life, where you have control over your money and your time, you need to stop thinking like everyone else and start doing things differently than the majority… ​ They’re financial placebos like saving on coffees make you feel like you’re making progress… but just enough to keep you stuck in the same place. ​ And in the best-case scenario, if you do everything right, follow all the rules, and the stars align... maybe in 30 or 40 years, you’ll be able to retire with some savings in the bank (and that would be great), but at what cost? ​ At the expense of the best years of your life. ​ Think about it. What’s the point of sacrificing an entire lifetime to achieve financial freedom (if you can even call it that) if, by the time you get there, you no longer have control over your own body? ​ I don’t know about you, but I aspire to have both financial and physical strength at the same time. Not when my prostate starts giving up on me. ​ And I’m crystal clear about this: I don’t believe in shortcuts or get-rich-quick schemes, but I do want to improve my financial position day by day and make sure that "the best years" are happening now, while my body and mind are at 100%. And then, when I’m 65 or 70, I’d like to look back and smile, knowing that I was in control the whole time. ​ If you think the same way, or something close to it, then I have a proposal for you below. ​Is this piece of real estate a good investment?​ ​ ​ PD 1: If you liked this email, don't keep it in secret and forward it to a friend. They will thank you enormously one day. PD 2: If somebody has sent you this email and you want to receive emails like this yourself, visit vicentevalencia.com PD 3: If you want unsubscribe, click the link below. ​ ​ |
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These days, I usually panic a little. Just a little. Not because of the “social commitments.” And not because of the alcohol… which, let’s be honest, doesn’t do your health any good whether it’s “only one,” “only two,” December or June. No. It’s something worse. Much worse than overeating and overdrinking. Queueing. For me, queueing is more terrifying than being forced to watch an entire season of Big Brother. Nothing good ever comes out of standing in line. Nothing. Maybe disappointment…...
A nice thing of brining my son to daycare and this being in the same building than the main NZ infrastructure agencies is that you meet lots of people. From the doors to the elevator, people having coffee, hanging out in the sofas, etc. Suddenly a “hey, Vicente”, and then… Some free consultation. Well… not as free, as the coffee is excellent, I always order one. “On me”. The usual suspects are: How can ensure competitive tension? How can I deal with claims? How can I prevent claims? How many...
I’ve been closing some insurance policies these days. For myself. Health, life, mortgage, etc. You don’t appreciate enough a good broker until you get one. If you’re serious about investing, this is your second more important broker after your mortgage broker. But I don’t want to talk to you about personal insurance. But PPP insurance. It’s probably one of those fields, most people mess up. Clients. Banks. SPVs… All parties alike. You have insurance to cover accidents on site causing...