In Any Economy

This week saw the largest financial crisis since the stock market crash of the great depression.  The economic downturn leading us into a recession is not only a national economic crisis, but now has become a global economic crisis. If you’re worried about your financial future you probably should be.

Not only have we seen stock market dives for six days straight, but during the last few months we have seen the largest bank failures in history, massive government intervention trying to save banks like Wachovia and Merrill Lynch which sales were orchestrated by the Feds.  We saw Indymac commercial bank get seized and taken over by the Feds in order to save it from collapsing.  We’ve seen many commercial banks and a giant investment bank, Lehman Brothers, file bankruptcy, while almost all other banks have frozen lending.

Real estate values have been dropping for 18 months straight with no end in sight, and this week saw a financial meltdown in the stock market wiping out peoples stock portfolios, mutual funds, and retirement plans.  This week also marked the economic collapse of economic markets in France, Japan, China, Korea, Britan, Canada, Germany and Italy. The US has taken massive measures to infuse hundreds of Billions of dollars into the banking system in an attempt to save it, along with other desperate measures to insure bank deposits, guarantee loans, and more.

The seven nations (G7) met this week to make a coordinated reduction in the Federal lending rate for each of their respective countries, hoping it will free up inter bank lending; it did not.  Public confidence is an all time low, people are bailing out of the stock market, unemployment is rising, housing values continue to drop and people are gripped with fear of what the future holds for them.

It’s Time to Be Scared

For Your Financial Future

·        Will you be able to keep you job?

·        Is your money safe from Bank Failures?

·        How will you recover the losses in your retirement plan?

·        Will you recover from the stock market drop?

·        Will the Feds be able to stop the economic crisis?

·        Will Inflation go wild?

·        Will America drop into another Great Depression?

·        Will unemployment rise?

·        Will the value of your house continue to drop?

·        Will you be able to stay in your home?

These are the questions we must ask our self, and we must answer those questions. If you don’t know the answer to these questions then you are probably like most people, who have placed your financial future into the hands of others; and nobody has an answer for you.

Who Is In Charge

Of Your Financial Future?

·        Your Boss?

·        The Company where you work?

·        Your Bank?

·        The Stock Market?

·        Your Mutual Funds?

·        Your 401-K or IRA Plans?

·        The Federal Government?

·        The Next President?

If you are like most people, you’ve placed your financial future in the hands of other people, and now you have reason to be concerned for your future. When you allow others to control your financial future you allow them to control your security, your job, your home, whether or not you can retire, what you can or cannot afford to buy, your savings, your happiness and your freedom. Why would you let others have all that control over your life; I want to help you take back that control.

What Will Happen to You If:

·        Your bank fails?

·        Social Security disappears?

·        Your savings is lost?

·        Your stocks and mutual funds crash.

·        You get laid off at work?

·        Consumer spending drops.

·        We enter a long term recession or even depression?

·        What happens if inflation goes wildly high affecting prices of, food, gas, mortgage interest rates, and more?

What if You Controlled Your Own Financial Future – Imagine If:

·        Real estate values had no affect on you.

·        Bank failures did not affect you.

·        Job layoffs did not affect you.

·        Unemployment did not affect you.

·        Failed social security did not affect you.

·        Consumer spending did not affect you.

·        Recession and Depression did not affect you.

·        Inflation did not affect you.

We cannot live in the world without being affected by the economic crisis, but for the those who understand the formula for creating true wealth, the affect does not need to be a negative one. Over the past twenty years I’ve worked with and alongside hundreds of wealthy entrepreneurs, multi-millionaires, and by doing so I discovered the formula to creating wealth in any economy.

During good economic times the wealthy minded entrepreneur makes money and during poor economic times they might make even more money. They do it in a way not to take advantage of other’s adversities, but in fact do just the opposite by helping bring value to those who need it most in a down economy.  The wealthy have always provided value to society just at the time that the economy needs that value.

The Wealthy Always

Create Value to Society

At Just the Time it is Needed Most

·        When society want houses, developers build houses

·        When society need to sell houses investors buy their houses

·        When society needs jobs entrepreneurs build businesses and provide jobs.

·        When society need money entrepreneurs open banks and lend money

·        When society wants to invest in stocks and mutual funds, entrepreneurs take their companies public so the public can invest in those companies.

·        When the economy crashes, the wealthy are there to pick up the pieces, buy frozen assets, put rental houses back into the market, buy bankrupt businesses and put them back into production.

You cannot say they do all this only because they have the financial resources to do these things. No, the wealthy minded person began thinking the way they do long before they were ever wealthy; that’s how they eventually became wealthy.  And they began behaved in the ways they that make them wealthy long before they were actually wealthy; that’s how they became wealthy.

All too often we see the wealthy behave in very different ways than the average person:

·        Being driven in a limousine.

·        Charter a plane.

·        Hire people to tend to their estates.

·        Buy up real estate.

·        Start build and sell businesses.

·        Spend massive amounts of money any way they can to save time.

And most people think the rich only behave in these ways because they have the financial means to do so. When in fact, the only reason they are rich is because they first began behaving in these ways. Granted, the behavior had to start small until the money followed, but the point is that the behavior drives the flow of money into their life, not the other way around.

So, what we are talking about is taking control of your thoughts and actions in order to drive money into your life so you no longer need to give away control of your finances, and therefore of your life, to others.

Who Controls

Your Financial Future?

·        Wall Street           or      You

·        Your Boss            or      You

·        Your Employer    or      You

·        The Bank             or      You

·        The Feds              or      You

How Do You Take Back

Control of Your Financial Future

It’s really that simple, most people simply don’t know the difference, because they think you can’t do what the rich do unless they first have money.  And if they never take those first few steps, then of course they won’t ever create wealth.  The behavior has to happen first; wealth is the result of the behaviors, not the other way around.

I discovered the behaviors of the wealthy that makes them rich and I’ve packaged it into what I call my Formula For Millionaires.  This is how you can take control of your financial future so when the economy crashes, it has little to no affect on you.

·        You won’t need a boss to give you a job because you know how to create wealth.

·        You won’t need a stock broker to make the right decisions for you because you will know how to make your own.

·        You won’t need social security because you create your own security.

·        You won’t need government sponsored retirement plans because you build your own.

·        You won’t need the government to bail you out because you are financially free and free from the control of others.

In the middle of the current economic crisis, many wealthy people are hear amoung us and although that look at the financial situations of today with concern because of how it affects so many people, they are not worried for their finances, because they took control of that a long time ago.  Only those who handed control over to others now fear the outcome, because the banks are losing their money, wall street is losing their money, and the Feds don’t seem to be able to stop it.

Let me give you just one example.  I could use any number of examples to make my point including examples using stocks, real estate, banking, or a business like a clothing store, or even you who might want to make a music CD or your friend who wants to own a river fishing business.  But, I will choose an example of real estate for no other reason than I like real estate, and many people think right now there is no way in the world to make money had you invested in real estate sometime during the last two years. I’ll prove that myth wrong.

If you think about money and investments like most people, then anything you do will fail when the economy goes through a tough time.  But when you discover this very simple formula for becoming a millionaire you discover that you can create millions doing any number of things and it will not be affected by a crashed economy. Let me show the example of how most people think about real estate compared to how the millionaire thinks about it.

Example of

How Most People

Think About Real Estate Investing

Most people who buy real estate do so because:

·        They think it will go up in value.

·        They buy it because the last time they bought it they made money.

·        They buy it because all the forecasters say it will go up.

·        They buy it because their tax advisor tells them it is a great tax write off.

·        They buy it because they have cash but are afraid of the stock market.

·        They buy it because they think real estate will never go down.

Most people who bought real estate for all these reasons during the last several years  are now suffering; they either went bankrupt, are facing foreclosure, or own expensive real estate that is worth 60% what they paid and now they cannot sell it, and are stuck with huge payment.

The wealthy never buy anything for the same reasons everyone else buys things.

The Wealthy

Buy Real Estate

Only if the Real Estate

·        Provides a Value such as land needed for development, places to live – like apartment buildings, places to work – like office buildings, or places to play – like movie theatres and athletic clubs.

·        The property pays for itself, not needing your money to pay bills.

·        The property pays you a check each month, not the other way around.

·        The property still pays you even if the perceived value goes to zero.

·        The property still provides value even during recession.

Now you might think only the rich can buy this kind of real estate – Wrong.  I give seminars to show how anyone without any money can do it without spending a dime.  I’ve been purchasing apartment buildings during the last 12 months even while banks were having credit difficulties.

I use real estate only as one example. I could have used an example of a business that employs people, a company that makes food, or clothing, or a person who provides any number of services that people need every day and who will continue to need those products or services in any economy. The point is that the wealthy minded person creates and offers something of value which is not affected by economic downturns.

I Want You To Be Rich

In Any Economy

In my 7-Step Formula For Becoming A Millionaire. I share the steps you can take to become financially free in any economy. Where you are:

·        Financially Free from needing a job.

·        Free from affects of a stock market crash.

·        Free from affects of inflation.

·        Free from affects of a real estate crash.

·        Free from exposure to bank failures.

·        Free from affects of losing retirement savings.

·        And free to love life, spend money, have fun, and help others.

For additional information:

Visit: www.FormulaForMillionaires.com

Where you have access to other FREE articles and audio downloads.

Article by Paul McCormick

Author of: SECRETS OF THE MILLIONAIRE INSIDE – The 7-Step Formula For Becoming A Millionaire.

About the Author

Early in life Paul discovered the secrets to creating true wealth when he had the opportunity to work with hundreds of entrepreneurs and multi-millionaires. He began using the formula in his own life and at age 27 he became owner of his own multi-million dollar company and at 29 became CEO where he remained for the next 11 years.  While in his 30’s he walked away from it all, in order to write and speak, sharing the formula with you.

For Any Economy

The newspaper headlines tell the story of the global economic crisis we face; stock market drops, bank closures, government rescue plans and organized efforts by the US, Canada, Europe, and Asia to control the declining global economy, all with little effect on our personal financial challenges. Home values are down, Wall Street has lost five years of value in one week, retirement plans are wiped out, and unemployment is rising. Can you do anything to change your financial situation?

Yes you can and that is the purpose of this report; to show you how to:

·        Take control of your finances.

·        Create your own income.

·        Create your own wealth.

·        Not need to depend on others to give you a job.

·        Not need retirement plans.

·        Not need social security.

·        Not need the government to give you money.

·        Not need the government reform to protect your job or your money.

Most people grow up never knowing how to create money on their own. Our parents, society and the educational systems all teach only how to prepare you to have a job. The problem is jobs are not security.  Jobs are controlled by your boss, or the company you work for and are subject to market conditions controlled by the local, national, and global economy.

Most people don’t know they have a choice. You can either allow your life to be in the hands of bosses, employers, Wall Street, and the global economy. Or you can learn how to create your own wealth and never again let others take away your security and freedom.

What Most People Do

When The Economy Gets Tight

1.     Cut out vacations.

2.     Cut out movies and entertainment.

3.     Buy less of everything.

4.     Buy cloths at cheaper stores.

5.     Shop at second hand stores.

6.     Mow their lawn instead of hire a lawn service.

7.     Wash their car instead of drive through the car wash.

8.     Pretend they like their job so they don’t get laid off.

9.     Conserve energy by turning off lights, unplugging power supplies when not in use, turning down the heat or air conditioner.

10.                        Save gas money by making fewer trips to the store; once every two weeks in-stead of twice a week.

11.                        Packing lunches instead of eating out.

12.                        Look for who to blame for their financial struggles.

Are these good things to do? Will you ever get ahead financially or get rich by doing these things? No. Will it change your financial future? No. Next time there is an economic crisis will you find yourself at the mercy of the economy again? Yes. Is there really anyone to blame but yourself? No.

Is there a better way to live your life? Yes, and I’ll soon be showing you how. But first let’s look at some behaviors of the wealthy. 

What The Wealthy Do

When The Economy Gets Tight

·        Still take vacations.

·        Still pay for entertainment.

·        Still buy everything.

·        Still buy expensive cloths.

·        Still shop at expensive stores.

·        Still hire a lawn service.

·        Still hire a car wash service to come to their home and wash their cars.

·        Still are glad they don’t work for an employer.

·        Conserve energy, but they don’t do this to save money, they do it only if they believe it to be better for our environment.

·        Still have limousines and charter planes.

·        Still eat in style.

·        Look for opportunities to bring value to the down economy by helping others, and creating wealth for themselves all at the same time.

So, why are we comparing lists? Because, the lists of what people do tells why they are either wealthy or not.

Here is a huge secret:

People don’t spent time

trying to save money

because they are poor.

They are poor because

they spent their time

trying to save money.

This is opposite of what we grow up believing and it is opposite of all that most people consider truth. That’s why most people continue trying to save money and why they will never have much of it.

If you want to have massive wealth in any economy you must stop putting all your time into saving money. You must begin putting most of your time into something that creates wealth and I’ll tell you what I mean in a minute. But, if you spend all your time shopping for sales, clipping coupons, and sending in rebates you are guaranteed to never be rich or have the money you desire.

If you work all day and then spend all your evenings and weekends washing clothes, folding laundry, loading the dishwasher, moving the lawn, shopping for sales and washing your car, then you will never have enough money to pay people to help do those chores for you.

So how do you get out of the cycle? You think if you had enough money, you would paying people to do all those chores. You think if you had enough money you would love not having to shop for sales. And worst of all, you think the wealthy don’t have to do all those money saving things because they have so much money that they don’t need to try saving it like you do.

WRONG! That’s not why the wealthy people don’t do all the money saving behaviors that you do.  They don’t do all those behaviors because it uses up valuable time that they need to use if they want to create wealth.

And long before they were wealthy they had to make a decision: are they going to spend time trying to save small amounts of money, or, will they spend what little money they have in order to save time, so they can spend that time on something to create wealth.

If you are like most people you simply don’t have the money to pay for a butler, a maid, a cook, a chauffeur, and a private jet. So, don’t get me wrong, you can’t jump into the middle of it all at once,; you have to start just one step at a time. But you have to start if you ever hope to become wealthy.

Find whatever money you can scrape up whether it be $5, $10, 0r $15 and pay for anything you can to save a tiny amount of your time. Stop your cable service if you have to for a month and use the $29 to pay a lawn service to mow your lawn, or hire a house cleaning service to clean your home, so you save an hour or two a week. When I was 25 years old, all I did was come up with $15 to $25 dollars a month to pay a lawn service.  That is all it took to make the difference in my life. It’s like a cascade of positive events once you start.

I took the extra time I saved and began to work on my wealth plan.  At first I took some time to work overtime at work to get more cash than it cost to pay the lawn service.  So then I had more money to pay a lawn service plus people to work on my cars; back then I was dirt poor and drove a 24 year old car that broke down every week and I had to fix it myself because I was poor. But now I used extra money form working overtime to pay people to work on my car. That gave me even more free time to work more on my wealth plan.

Every week and every month I worked on it.  Two years later I became owner of a multi-million dollar business, making a lot of money. I used all that money to pay a bunch more people to do things for me to save me even more money.  I began spending money anyway I could in order to save me time.  And I invested all that extra time I saved, into my wealth building plan.

All most people need to do is to understand that it is a domino affect. The first step of pushing over that first domino is to scrape up a tiny amount of money and pay someon to do something for you to save you some time.  Then don’t go watch TV, but use that time to take another wealth building step.

So, what are the rest of the steps for you to create wealth? I studied hundreds of multi millionaires and discovered a formula for how to create wealth. Fortunately, you can make millions of dollars with anything you love to do when you share it with others in a way that brings value to hundreds, thousands, or even millions of people, and they pay you millions for that value.

If you love horses, you can bring value to those who want to learn to ride, if you love singing you can make CDs and share your voice to those who would pay to hear you sing, if you love fishing you can bring value to others by starting a company that takes company executives on three day fishing trips for a handsome fee, if you love real estate you can bring value by offering buildings for people to live in or work in exchange for rent, and the list goes on.

In my books and CDs I share details of how to think about money, opportunity and how to focus your mind to create the plans you need that will make your dreams of being wealthy come true.  By following my formula, anyone can become a millionaire in 36 months. And you will never need to worry about the economy again.

For additional information:

Visit: www.FormulaForMillionares.com

Where you have access to other FREE articles and audio downloads.

This article was written by Paul McCormick, October 2008

Author of: SECRETS OF THE MILLIONAIRE INSIDE – The 7-Step Formula For Becoming A Millionaire.

About the Author

Early in Paul’s career he had the opportunity to work with hundreds of entrepreneurs and multi-millionaires and he soon discovered the secrets to creating wealth. He packaged the ideas into what he calls the Formula For Millionaires. He began using the formula in his own life and at age 27 became owner of a multi-million dollar company and at 29 became CEO where he remained for the next 11 years.  While in his 30’s he walked away from it all, in order to write and speak; sharing the formula with you.

When asked how it really works, how are those credit scores:

Those scores that banks look at before they give you a loan,

Those scores that a landlord looks at before they approve you to rent an apartment,

Those scores that credit card companies look at before they give you a credit card,

And those scores that the car dealership looks at before they sell you a car,

When asked how those scores are calculated, this man who is a high ranking executive within the credit bureau said, “ We really don’t know how it works”.

He went on to say that the three bureaus are tied to other government agencies but that they don’t work in collaboration, but rather the data goes into the system and it spits out a number and no one really knows how the numbers are calculated.  We do know it is based on:

The amount of credit you have available

The amount of credit you have extended,

The amount of defaults on any of that credit

And the length of time for any of this defaults.

But beyond those variables no one seems to know the actual formula.  But we did learn this:

If you want to increase your credit score this is how to do it.

1.       Get a copy of your credit report from one of the online resources such as FREECREDIT REPORT.com

a.       Obtain a copy of your report from each of the three bureaus

                                                              i.      Experian

                                                            ii.      Equifax

                                                          iii.      Trans Union

2.      Review the three reports and look for any recorded history of your late payments or defaults in loans and circle them.

3.      If you are still late on any payment you must pay up and get current. Then write to that creditor and ask them to remove the bad record from your credit report.  They will write back and say

a.      “We wish we could help but it is against Federal Law for us to remove it from the credit bureau.” And that is true, they cannot.

4.      Then write to the creditor again and say you feel bad about the past situation and you have turned your finances around and are working to improve your credit score, say you understand they cannot remove it from the credit bureau, but if they really want to help as they said they do, then will they at least remove your bad record from the creditor’s own records.  This they can do legally. They usually will do this as long as you are current on payments.

5.      Then once that is done send a letter to each bureau including a copy of the report with circles around the late payments or defaults in payments shown on your reports.  Make a hand written letter with only one sentence that says, “Please provide verification of the circled items”.

6.      They know and now you know that the credit bureau can only keep something on your report if they are able to verify it through records with the creditors.  And now when they call to verify the old defaults with the creditors, they will not be able to verify them because the creditors have removed it from their records as you asked them to do.

7.      The bureau will now have to remove it from your credit report because Federal Law requires any record that cannot be verified to be removed from your credit report.

The average person who has an average credit score will be able to increase their score by 80 points within 45 days by taking these steps. This will give you more opportunities in all areas of your finances.

Paul McCormick is author of SECRETS OF THE MILLIONAIRE INSIDE: The 7-Step Formula For Becoming A Millionaire.

The book Releases in stores nation-wide in September and if you buy the book now you can receive two CD Series absolutely FREE by visit Paul’s website for details:

www.FormulaForMillionaires.com

First let’s shed some light on this weeks unprecidented events at the Federal level.  Yesterday John McCaim called a meeting with the white house resulting in a meeting with President Bush, McCain, and Obama in attemtps to bring agreement on a plan to go before congress immediately allowing the treasury department to buy huge amounts of bad debt in the form of delinquent mortgages that are now owned by banks.

In simple terms, millions of Americans took out home loans during the last few years and are now unable to pay them back.  Here’s how the normal process works.  You want to buy a house, you go to the bank and get a loan, the bank loans you $300,000 and you sign a contract agreeing to pay them back 6% interest for 30 years.

That bank turns around and sells that contract to Fannie Mae or Freddie Mac, for $300,000. So the bank you got the loan from, now has the $300,000 back in their hand so they can offer another loan to your neighbor or anyone else who comes along. Each time the bank loans a person money, they turn around and sell that contract to Fannie or Freddie to get their money back. This is how banks keep having mor emoney to laon.

Fannie Mae and Freedie Mac for most of the last century were private institutions regulated heavily (or so we thought) by the federal government.  So, where does Freddie and Fannie get their money? They turn to investors, teachers retirment plans, mutual funds, etc.  Investors invest in retirment plans, mutual funds, etc in order to recieve a 6% or so return on their money.

So, investors pay into investment vehicles, like a retirment plan or a mutual fund. Fannie and Freddie receive those large sumes of money, Fannie and Freddie take that money and buy the loan contracts from your bank.  When you pay your house payment to your bank it goes to your bank, then to Freddie and Fannie and eventually into the hands of the investors who put up the money in the first place.

When home owners start defaulting and cannot pay back the house payments, Freddie and Fannie are still on the hook to pay their investors back, meanwhile they start going broke, because no money is coming in, but they still have to pay back to their investors.

So, they were on the brink of disaster last month and that’s why the Federal government took them over in an unprecidented effort to save the financial collapse that would have resulted; especially when considering that over half of all homes in America are backed by Freedie and Fannie. So now, Freddie and Fannie are goverment owned and controlled. The Feds (you and me as taxpayers) are now guaranteeing the return to the investors.

This week we saw a similar effort in the works to rescue the banks who are facing bankruptcy because of the millions of home buyers not able to pay back mortgages. Unlike the Freddie and Fannie scenario, the federal government is not going to take over the entire national banking system, but they did propose to buy the bad contracts from the banks, in an amount that may reach $700 Billion in bad debt.

How does this help? Inititally it will put cash back into the hands of the banks so they can continue to lend money to investors seeking loans. Short term it stops the crisis.  The real question is, what will happen during the followiing 12 months and next two years now that the Federal government just bought the bad debt. After all the our federal governemnt is already 11.7 trillion in debt, and now we want to bail out private banks with a plan to buy all their bad debt.

Since the Feds would be buying the bad debt at a large discount, they hope that eventuially those contracts will be paid back and in the end the Feds could make a profit. If history repeats itself, we find that the savings and loan debaucle of 1986-1991 resulted in the Resolution Trust being set up to do essentially the same thing.  In that case the Feds bought bad debt to bail out the banks and then sold those notes to investors at discounts.  This may be a repeat of history. the big question looming in the air is, will it work again? No one knows for sure.

What does this mean for you and me?  Uncertainty for sure. These are unprecidented times and the amount of banks failing is increasing.  A Billinaire close to the issue who was quoted in USA Today predict that up to 1000 local banks could fail during the next 18 months, resulting in a handful of conglomerates running the national banking system.

Yestersay’s meeting between President Bush, McCain, and Obama was hoped to reach a concensus; they did not.  But in principle they have reached a common understanding to implement this massive bail out immediately. But before it is final it must go before congress and be approved.

Wil this mean banks will be more willing to lend you money to buy a home or refinance a home? Probably not. The banks are scared, and do not want to take on any more bad debt. The lending standards are still very strict, thus resulting in continued tight times for anyone wanting to buy a home. This offers no help to those home owners struggling to make the payments; they still may get foreclosed on or go bankrupt.

What does this mean to you and me?  Home prices will remain depressed for the next 18 months and likely continue to decline another year for sure, resulting in more defaulting home loans.  Lack of money moving in the economy will put pressure on consumer goods to increase in price so manufacturers and retailers can cope with reduces sales.  So in summary a still worsening economy with risk of future inflation.

Why am I telling you all this bad news? Because for people like you who want to be a millionaire, to be financially free and be able to make millions and millions of dollars in any economy, there is always a way for those who know how to succeed.  Everyday when I see the news of failing banks and economic crisis, I actually get excited.  To me, change is fun and exciting.  Most people would not understand this, but when you learn to think like a millionaire, you realize you cannot fail.  I know 100% that I will make tons of money this year in a good economy.  And when I read the doom and gloom in the paper I know that most of the competition will get scared and freeze, allowing me to make my millions more easily because I have no fear.

When you acquire the mind of a millionaire you will succeed no matter what the situation is.  And when everyone else is scared and becoming more conservative, it takes out all your competition.  That’s why the rich keep getting richer and the poor keep getting poorer.  And in good economic times the rich get richer, and in bad economic times the rich get even richer yet.

So, how do you learn more? I walked away from my corporate career as a CEO in order to help the world become finacnially savvy.  I want to make millionaires. I have an ongoing mentoring program to help you think like a millionaire, act like a millionaire and become a millionaire.  I don’t make my money off people like you signing up for my programs.  I make moeny, but let me clarify, still 98% of all my money is earned in other ways.  I require you to pay a little for the process because when you pay something, it becomes more important to you and that helps you succeed.

If you want some free moeny reports about how you can start thinking like a millionaire go to www.FormulaForMillionaires.com

Paul McCormick, Author of Secrets of the Millionaire Inside