RichardCraver.com

American humorist Will Rogers once said, “The United States is the only country ever to go to the poorhouse in an automobile.” That was in 1930, if Will was around today I’m sure he would be quite amazed. Yes, 1930, a year into the Great Depression.

Even in a country that is in the ‘worst economy in 40 years’ as proclaimed by Bill Clinton and later by Barrack Obama, we still have the highest standards of living of any industrialized country. Most homes have not one but several automobiles parked outside, my house has three, None are new, none are fancy, but three nonetheless.

The point I am getting at here is that even in our bad times we enjoy a great standard of living and we have nice things that we consider necessities. We have things that we will continue to pay for month after month, year after year. For example for a few years I did not have cable television, but I did have high speed internet. Most Americans will not give up their television. And it seems that everyone with a pulse over the age of 15 has a wireless phone. See the point? People can afford what they wish to afford.

Now, what if you can place yourself in a business model where you can be paid each time someone pays their cellphone bill, their internet bill or television bill? Each month a portion of their bill comes to you, month after month, year after year. Do you form your own cellphone carrier to get in on that? Not likely. Do you set up your own cable or satellite company to provide programming? Not likely. Do you purchase an internet backbone connection and sub-sell internet access to your neighbors? Not very likely either. All these markets are already cornered by some of the biggest names in industry and the barrier to entry is extremely high.

But there is a way that you can position yourself as a middle-man between loyal customers and industry. There is a way that you can put yourself in a residual money making position with these giants.

Email me at richard@richardcraver.com and I can explain to you how it works.

Have you ever said something like, ‘I wish I had a dollar for every time I ………’. You fill in the blank there. Maybe it’s something like, ‘I wish I had a dollar for every time I carried out the trash’. What you have just described is a transactional income business model. You agree to perform a specified task for a specified amount of money.

On the other hand, have you ever said something like, ‘I wish I had a dollar for every time I saw someone riding down the road talking on a cellphone’. What you have just described is a residual income business model. You are placing yourself in a position to receive income based on the habits and lifestyle of someone else. Not a bad position to be in if you are the cellphone company getting paid the monthly bill from the subscriber.

The business that I spoke about in my last post follows this model. Setting yourself up to be in the middle of such monthly recurring bills. This is the business model that insurance agents have enjoyed for years. A person takes out an insurance policy, the agent gets a commission for writing the policy, then continues to receive residual income over the life of the policy. The same applies for investment brokers and mortgage bankers. A very sweet spot to be in. The work is done once, but the income continues month after month.

I’ll write more on this later. But if you want to find out more, email me at richard@richardcraver.com .

There is a huge scam going on in the U.S. and around the world. Basically it goes like this, you spend 40 years of your life working for someone else so that they can make a lot of money. After 40 years you get a $40 gold watch. Then you get to spend the rest of your life living on 40% or less of what you made in the previous 40 years.

It’s the arrangement that is more commonly known as a job. JOB=Just Over Broke. Why do 100′s of millions do it? Well that’s what we are taught. Get good grades, maybe go to college, get a good job and work hard, everything will be OK.

Maybe for some that is all they want, just getting by. And not everyone has the financial resources to open a business and leverage the labor of employees to amass wealth. One thing is for certain, you will never make more money than your employer. That’s not going to happen.

Do I have all the answers? No. But I have found a business that allows the individual that is willing to work to achieve financial freedom that cannot be found in any job.

I’ll write more on this later. But if you want to find out more, email me at richard@richardcraver.com .

Nobody says it quite like Lee Greenwood.

A few weeks ago I discovered that a bird had built a nest in the rafters of our back porch. Upon closer inspection I found that it had four small blue eggs in it. The next day when I went outside a robin took flight from under the edge of the roof. Momma Bird, as I’ve been calling her, has been keeping her vigilance on the nest for the two weeks since I first noticed it.

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Unless you’ve been hiding under a rock, you know that this is Easter weekend. It’s also the week that public schools take their spring break and college kids stream to the beaches for the first rays of sunlight after a long winter.

Aside from the sunlight filling the spring time skies, it is the time that Christians the world over remember the Son Light, the resurrection of Jesus Christ from the grave.  That may be a play on words, sun light and Son light, but it’s accurate. More →

I have a few weeks off from working in the tech booth at my church, so today while my wife was working in the nursery during the third service I sat in the car listening to the radio and looking through the newspaper. They were interviewing Lauren Talley who was telling of a trial that she had come through over the past few years and the book “Songs In The Night” and album “The Extra Mile” that came out of it. At one point they played a track of her singing the great Brooklyn Tabernacle Choir’s “My Life Is In Your Hands”.  As I listened, the words and tune were so familiar. Our choir  used to sing a lot of Brooklyn Tab and almost instantly I was singing along the bass part. More →

Several months ago Microsoft ran a special for about a week where early adopters of Windows 7 could purchase the upgrade disks for half-price. I jumped on it and ordered Windows 7 Professional and an additional two Gigs of RAM. The RAM was shipped out immediately and the upgrade disk arrived the day of the official release.

See previous post on Windows 7

So how has Microsoft’s latest offering fared… Well pretty well actually.

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A few years ago our pastor during a sermon made the distinction between what is a Gift and what is a Present. Often we use the terms interchangeably, but they are much different.

A present is something we ask for, something we want. Those that are old enough to remember the Sears catalog and Wish Book probably remember looking through it as Christmas approached and taking it to show to your parents, or writing a letter to Santa with items by page number on your wish list. Yes, these are presents, things we wish for and desire.

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