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27 August 2022 By Nicola Cairncross Leave a Comment

The Wanderer Returns | Part 1 | Greece & Findon

I’m coming to you today from a glamping pod in famous racing stables in Findon, West Sussex.  The glamping units are very nice indeed with great decor, awesome hot showers in designer bathrooms and a green, tranquil setting.  Findon Village is beautiful, with several gastro pubs but the real draw is the horses and true to form, the horses are stunning.

A mixture of riding and racing horses, they clip-clop up the lane right next to my abode, to the Downs where they exercise.  Then they clip-clop down the lane again, to relax in their stables, every need taken care of, for the rest of the day.

I ran into one, jockey astride, yesterday afternoon as I went to my car.  The jockey graciously dismounted, and asked if I liked being there, did I find the horses noisy and did I want to stroke her.  Did I? Up close, racehorses are very, very big.  He held her while I tentatively stroked her, saying out loud exactly what I was thinking which is “Are they not the most magnificent creatures?”.

When you drive – very, very slowly – through the yard, all of these magnificent creatures look at you out of the top half of their stable door, some whinnying gently, some snorting, but all thinking deep horsey somethings.  You can feel their souls as you go past.  I like being here a lot.

Well, I would be coming to you from there right now, if there was internet in my current glamping pod.  There was internet in my last (bigger) pod, there will be internet in my next (bigger) pod but apparently not in THIS interim pod.  No TV either, but luckily there is enough of a mobile signal to catch up with Masterchef Celebrity and my favourite Vietnamese & Philippine Forest Farmers last night, or I’d be tearing my hair out.

But it’s typical that the very day, after three months, that I finally feel inspired to write something, today would be the non-internet interim pod weekend.  Bank Holiday weekend in the UK, you see.  Not a hotel room to be had for less than £250 a night unless you want to go to Brighton (and I didn’t).

So I’ve de-glamped to my mate Andy’s dining room to use his internet, him being just up the road from said Stables.  Not that his house is not glam, it very much is.  But glam with internet.

I didn’t expect to be back in the UK until next year actually, so you can’t be any more surprised than I am to hear I’m in Sussex again.

Apologies, y’all.  I’ve been seriously putting this writing business off… well, for about three months now.  If it were not for the weight of emails – at least 12 of them – asking me whereabouts I am in the world now, this probably wouldn’t even be getting written now.

I fully expected to write at least one post a week from Greece, Mexico and El Salvador, my three intended destinations. So what happened?

When I got to Greece, I spent a month with no internet as I’d forgotten to ask my hostess if there was any.  To be fair, she thought there was but as she only stays there occasionally, she didn’t realize she was actually on her mobile data.  I had no internet and my O2 roaming data didn’t cut it at all. No signal to speak of, in the particular part of the village I was in.

Then it got so hot the only place I wanted to be for any length of time was on the beach.  Literally, every day, all day.  I love being on the beach there but while you can do a lot on your mobile, under the sun umbrella, writing a blog post is not one of them.  I’m old school, I need to touch type. Straight from my brain, to your page, via my fingers.

Then I went to The Financial Summit, hosted by Tone Vays in the Dominican Republic and not only was it really hot there too (and humid too, cheesus, was it humid!) but we were very busy.  Barely time to sleep between the learning & networking sessions, the great dinners and the poker & dancing in the suite Tone had reserved for us all to hang out in.

The resort was AMAZING!  We stayed at the Castle At The Sanctuary and my suite was as big as an average UK flat.

This was the most fun – riding the golf cart up the hill from the rest of the resort to the Castle.

And here’s a couple of pics of my room / bathroom (there was a dance-around shower and separate loo).

And this was the top-lit, open-air internal waterfall that I had to pass on my way to my room.

It was all lit up at night too. Stunning.

If you are in finance, Bitcoin or trading, you really must try and get to one of Tone’s Summits. The next one is in Bali and you can find out more here.

But…

This is where the tale takes a turn for the worse.

While there, I made a change to my plans, a change that was to teach me two HUGE life lessons.  One internal – about myself – and one external about what you MUST do when planning a trip.

But in the best Andre Chaperon “cliffhanger” style, I’m going to save that story for tomorrow.

Check out Part 2 – El Salvador
Check out Part 3 – Mexico via Panama City

Talk soon!

Nicola

Filed Under: Travels

4 August 2022 By Nicola Cairncross 2 Comments

What Are YOU Going To Do About Inflation?

Afternoon! I’m writing to you from the “Castle At the Sanctuary”, in the Dominican Republic (a further, longer post to follow about that).

I’m here at the Financial Summit with Tone Vays and 50 other Bitcoin traders, investors, the founders of family offices (and their partners). They are all very nice, only one other Brit to be found and she’s an artist. Find Abi Fantastic’s website here.

My suite is gorgeous and my only complaint is that it’s quite hard to clamber up onto my huge princess bed last thing at night! Then when I’m in there, I can’t reach the bedside light switch from the middle!

The reason I’m writing this post is that I’ve just popped back into my room for an unexpected lunch break to find two wildly differing headlines rotating on social media.

First a tweet from the Bank Of England:

“We expect inflation will be close to our 2% target in around two years. It’s our job to make sure that inflation returns to our 2% target, and that is what we will do”.

In the same batch of messages, I find GBNews discussing the shocking news in Thursday’s Independent that inflation will be running at 15% next year.

So which is it? 2% or 10% (which is the official inflation rate in the UK). Everyone in the know says the real figure is nearer 20% by the way. So this new ‘official’ figure of 15% is likely to be more like 25-30%.

UPDATE:  Now, just a month later,  they are predicting 18% by next year so that’s a bit of a shocker.

Energy bills are largely being blamed for this.  Russell Brand has been banging on about this, and while I’m usually a big fan, he’s got it completely wrong.  He’s making an absolute tit of himself in public, which is a shame.

Now, let’s discuss what nobody is saying, which is that inflation is NOT caused by rising prices. Inflation is caused by Central Banks printing money, or in other words, inflating the money supply.

If you introduce more currency to the system without also adding more value, the value of the existing currency in that system goes down. Prices and wages go up to compensate for that loss of value (or purchasing power) and so are a CONSEQUENCE and not a CAUSE of inflation.

If you would like to find out more about how inflation works here’s one of my favourite macroeconomics on YouTube, Mario from Maneco64 outlining why Russell is so completely wrong.

If you would like to educate yourself about what money (and currency) really is, I highly recommend Mike Maloney’s video series “Hidden Secrets Of Money“. That’s a link to Part 1, the world is currently on Parts 7-8.

Meanwhile, the White House is busy redefining the actual meaning of ‘recession’ (just like all governments did with the word ‘vaccine’).

So while our Governments redefine terms and gaslight us about what’s really going on, I want to know if you are paying attention to what’s going on and if so, what are you going to DO about it?

Now, I know you can’t do anything about the government gaslighting you, or the lack of growth in our country’s gross domestic product or GDP.

But there are things you can do to protect your family from the worst of the consequences most people will experience in the next few years.

If you have any savings, then by next year you’ll be losing the value (the purchasing power) of those savings at the rate of inflation – officially 15%. So how are you going to make more currency to invest in inflation beating assets in order for your savings to keep pace with inflation?

If you don’t have any savings, how could you start growing your own food, keep yourself warm without using central heating and seriously think about how to make more money, in order to invest in real stuff like food, fuel and then assets, ideally assets that will grow at more than the projected rate of inflation?

The Governor of the Bank Of England predicted in the Telegraph recently (also reported in the Guardian) that there are going to be ‘…apocalyptic food shortages’ and while I have been stocking up with dried stuff, I actually find it really hard to imagine anything too bad. However, I was very shocked to see the state of the shelves in the Shoreham Co-Op when I came back from Greece the other day.

Luckily we were only shopping for an informal garden picnic, but imagine you are a busy mother of 4 who only has this lunchtime to do the weekly shop?

In that article, the Governor said “80% of the inflation target overshoot was caused by factors outside the Bank’s control.”

Not true.

It’s 100% caused by factors inside the Bank’s control.

Money printing.

Also in the article “Amid growing concern about Britain’s cost-of-living crisis, the head of the CBI, Tony Danker, called on the chancellor, Rishi Sunak, to offer immediate help to those struggling to feed themselves at a time of rising food and energy prices. The director-general of the employers’ organisation said there was a “moral imperative” on the government to act.”

“To act” means to print more money to give away.

Governments don’t ‘make money’ from anything except taxes.  So in order to give money out, they either have to tax us more or print more money.  Which devalues the value of the money already in circulation, which causes more inflation.  Maybe even into hyperinflation.

All was predicted back in April 2020, by my wealth creation mentor by the way.

What is hyperinflation?

Google says “If you were living in a country gripped by hyperinflation, you’d know about it. It refers to a situation where the prices of goods and services rise uncontrollably over a defined period of time. In general, the term is used when the rate of inflation increases at more than 50% a month.”

The price rises are caused by people panicking and then buying real-life goods and services because they are worried about the buying power of their money going down and/or the producers and providers putting their prices up because things cost more for them to produce and provide.

Hyperinflation has happened to several countries recently, the most recent of which is Sri Lanka. Many countries teeter on the brink of hyperinflation, but often not the West, so we don’t hear about it.  Now it’s happening in the West, especially when it comes to energy costs, so we ARE hearing about it.

Coming back to the here and now, you might be wondering what you can do to prepare?

Well, I’m going onto El Salvador, then Mexico, but after that I’ll be back in Shoreham and I’ll be hosting a webinar to talk about what most ordinary people can do to prepare for what’s coming.

I’ve been shouting about this to my friends and family for two years now, but I think they are finally noticing that some odd things are happening.

Are you?

None of which are a surprise to me, one of my mentors laid out a step by step timeline on what would happen when, as a result of the actions the Governments were taking, in lockstep, globally, back in April 2020.

Would you like to join us?

You’ll get to ask your most pressing questions about your own situation, so do feel free to sign up under an assumed name.

Just indicate in the comments below whether you are interested and if you there is enough interest, I’ll set the webinar up.

Right, now back to the conference room!

 

 

 

 

 

Filed Under: Money

14 May 2022 By Nicola Cairncross Leave a Comment

On The Move Again! Want To Come Along?

Sorry, I’ve been so absent recently. I really lost my mojo with writing or creating any content actually. Call it existentialist angst, if you like, it’s as good a term as any.

I have never been depressed in my life, but I confess, I just went into a big slump due to the dumpster fire that is world politics. Perhaps I was grieving for the old familiar world that, only two and half short years ago, I thought I’d see out my old age in.

Regarding this location, well, I don’t know what it is – I’ve wracked my brains believe me! but living in the centre of Brighton just didn’t work out for me. The flat was gorgeous, the nicest I’ve ever lived in, but I just never went out. I’ve discovered I’m seriously lazy and if you can get everything delivered, I do! I’ve also discovered that, even if there is everything cultural on my doorstep, I’m strongly disinclined to go out if there is nobody to go with. One sister is deep into a relationship, one is occupied with her gorgeous daughter who is about to produce her first grandchild and my oldest bestie no longer talks to me. I think I know why!

When Phoebe announced she was thinking of living with her BF at the end of the summer, I realised suddenly that I didn’t want to spend another summer here. It was starting to feel like a luxurious prison, especially with it being too terrifying to go onto the ‘floating’ balcony!

I’ve not been mentally idle though; I’ve been continuing to learn about macroeconomics, keeping up to date with health politics and now the so-called war. and the impact of both on global and personal finances. I’ve been reading enormous sci-fi books and really enjoying learning Spanish on Duolingo – much to my surprise.

Thomas Leonard, author of ‘The Portable Coach’ and founder of Coaching as we know it, said you must design supportive environments for you to be your best self.

I need an environment where I’m forced to go out, where when I go out, the weather is nice and the people are friendly. Where I don’t stick out like a sore thumb if I’m on my own.

I might have been awoken accidentally by my son Nelson posting amazing pics and videos on Instagram of his travels through South America.

I’ve just given up the lease on the flat in Brighton, Phoebe is going to live with the BF earlier than planned and at 60, I’m going to travel again in my search for a ‘life with more swagger and soul’. I’m thinking Greece initially, then possibly Mexico & El Salvador. I might never get to go to Greece again after this summer if Europe continues down its authoritarian path. In Greece, they are already setting up Biometric Digital ID’s in the form of Driving Licenses.

Whereas In Mexico, there’s a long-anticipated whale migration to watch and in November in El Salvador, there’s a Bitcoin Gathering that sounds fun.

Or I’ll come ‘home’ at the end of the summer and get a little house in Sussex, with a garden, and start frantically planting vegetables.

It all depends on world events.

In my posts, I’m thinking of covering…

  • Where I am
  • What it’s really like to travel at 60
  • Who I meet
  • How I feel (terrified most of the time I expect)
  • Where I’m going next & why

But now I’ve got a question for you.

Do you want to come along for the ride?

I’m trying to determine my interest level in blogging regularly again because, while I need something to keep me occupied, I’m probably the least ‘driven’ I’ve ever been, being semi-retired. However, I realised much of my enthusiasm for that activity depends on whether there’s actually any audience.

If you are even remotely interested in the non-business musings of an ‘ageing but not submitting’ digital nomad, please comment below (or if you are seeing this as an email, please click through to comment).

And, if so, what do you think of this format?

  • Weekly written blog posts, like a diary mixing up events, location and feelings (I’ll be keeping a private detailed daily journal too).
  • There’ll be an audio version of that for those who don’t like to read. I’ll restart the Swagger & Soul podcast probably.
  • Weekly videos of short clips of my locations joined together – with music – no talking to the camera or pontificating.
  • Interviews with interesting people; those I meet, some I know already, recommendations.

Or should I just ‘retire’?

Some feedback would be wonderful.

I look forward to hearing from you!

Nicola x

p.s. I’ll be sad to say goodbye to this wonderful rooftop view of Brighton though. No chemtrails today.

Filed Under: Diary

3 May 2022 By Nicola Cairncross Leave a Comment

Are You A Lifelong Learner?

What new stuff have you learned recently? Do you like to learn or do you dread it?

Ever since I left school, where the only useful thing I learnt was how to type and forge my mother’s signature so I could bunk off games, I have had a lifelong love of learning. A bit contrary I’ll grant you but if they had taught anything I wanted to learn, I’d have tried a lot harder, I’m sure.

Visual type, see? Can’t take any info in listening to an old geezer waffling on, unless they were also doing half-decent drawings on the blackboard. Oh yes, I am that old.

So when I found myself temporarily without direction recently, in between clients, my own products finalised and marketing and sales funnels fully functional, I turned to various projects to keep my love of learning satisfied.

Creative writing lessons led to a half-finished sci-fi book. Scriptwriting tuition led to a finished pilot and outline for eight episodes, with several other ideas, but the ‘plandemic’ got in the way of a two-week residential course with a C4 scriptwriter. Postponed for two years, six months by another painful six months. A brief flurry of interest in the NFT world found me learning how that all worked, along with a renewed interest in art generally, adding digital art now.

But then I was thinking about the places in the world I want to visit next and they include Mexico and El Salvador, both Spanish-speaking countries. Then I saw one of my favourite ‘Vanlife / Canadian Cabin’ YouTubers, Hannah Lee Duggan, speak fluent Spanish on one of her trips to the Dominican Republic.

Impressed, I downloaded Duolingo and now, 28 days in, I’m starting to understand some Spanish Tweets from Bitcoiners and El Salvadoreans I follow. I think I’m hooked.

More importantly, I feel so much better.

Two years of futile lockdowns, gaslighting politicians and media censorship had knocked a large amount of the emotional stuffing out of me but the small daily achievement of learning a little bit more of a new language has revitalised me completely.

Give it a go, it’’s ‘muy bien’ on so many different levels!

Filed Under: Creativity

3 March 2022 By Nicola Cairncross Leave a Comment

How To Iron A Shirt (And Other Useful Skills)

A little while ago I got an email from an old client, updating me on her progress.  She added “I don’t know if I told you, but I also made over £1400 from a YouTube video I made on ‘How To Iron A Shirt’!”

Even if you don’t think you know something that would make a great training course for business people, I bet you know how to do something that other people would like to know how to do.  Not everyone has a great set of parents who teach them stuff, sadly.

My mum loved me, but had a lot of mental illness issues over the years and didn’t really have a good grasp of the practicalities.  Just the other day, I found out the sliding knob on a toaster does not change the time your toast stayed down, but the heat that was applied to your toast.  How did I get to this age without knowing that?!!

There’s a guy in the USA with a channel called something like ‘Ask Your Dad’ and he started out by making little videos showing his daughter how to do all sorts of basic things around the house.  Now he answers questions from young people all over the world, about all kinds of topics.  He must be making hundreds of thousands per month by now.

There is a little trick or two to making sure your videos get shown high on YouTube (and get picked up by the Google search engine too) and I may share those in my next post if you are interested. Do let me know?

While I love getting messages like the one above, I’d also love to hear your stories of ‘things you never knew you didn’t know’ in the comments below!

Filed Under: Success Thinking

3 January 2022 By Nicola Cairncross Leave a Comment

How To Think Well (& Come To The Right Conclusions)

You may know that I’ve been great friends for a long time with a guy called Andy Shaw. Yes, he’s the one in the Hawaiian shirt most often to be found in the pictures when I’m having the very best time in locations around the world. He’s possibly the most clever person I know (and I know a lot of clever people). His spreadsheets are legendary.

A multiple best-selling author, successful property investor and mindset expert, he’s just started to share his thoughts about what’s really going on in the world on Substack. The articles are going down very well and provoking lots of people to ask questions and comment.

I was never taught ‘how to think’ and I had to resort to buying books to help me figure out what I was never taught at school or home! Books like “How To Make Good Decisions”, “How To Become A Woman Of Substance” or “How To Love A Difficult Man”. I kid you not!

So I wanted to share the first in this excellent five-part series, so that my followers can get the benefit of Andy’s great practical tools about how to weigh up any incoming information, discern what impact that information could have on you, your family and your life and be able to take the appropriate action.

Over to Andy…

“Are you good at seeing the most likely ramifications of actions?

We all think we are. However, given what a lot of us (but nowhere near most of us) have witnessed in the last 21 months, the vast majority of people have shown they are really, really bad at it.

The ability to see where something is going means you can position yourself with confidence to profit/benefit in some way when the world catches up to where you saw it going.

So this is one of my favourite skills, but pain is involved with possessing it. One such pain I have to take for it is to be told I am wrong again and again by people who do not discern well… And that I find funny, so not really an issue to me, but it occasionally gets a little frustrating.

In a future article/email I’ll be digging deeper into why not caring what others think is a skill worth mastering…

But in this and the next article, I’m going to talk about the ability to discern well, and how to enhance it.

In March 2020 back at the start of the world’s current mass psychosis event, one of the reasons I decided to do the Rational Thinking Webcast was I saw the world was going the wrong way, and I wanted to ‘get on record’ all the forecasts I was making.

Previously, when a forecast I had made became self-evidently correct, I had gotten fed up of saying, ‘See I told you so’ and receiving the response, ‘No you didn’t say that’, or ‘I said that too’ when they hadn’t said it at all.

To me being right is a matter of skill, of professional pride if you like… And if I am wrong it provides the opportunity to learn and get better at being right.

But to these people who said they were right when they weren’t, they were failing in their ability to think well on multiple levels.

Read the rest of the first Article free here on Andy’s Substack

Filed Under: Success Thinking

3 August 2021 By Nicola Cairncross Leave a Comment

The Hidden Game Of Money

At the tender age of thirty-five, I discovered how money really works.

By thirty-eight I had it confirmed that the ‘Game Of Money’ I’d heard about in books was actually real.  By learning and then playing that game, among other things, I was able to launch a successful coaching / training business and buy and renovate a half-million pound, twelve bedroom hotel in Sussex ‘no money down’ with barely a penny to my name at the time.  Other successes followed within a short couple of years.

One memorable day in April 2003 a letter arrived from the Nat West Bank offering me a loan of £300,000 to buy, renovate and run a dilapidated bed & breakfast in Worthing, West Sussex.  On the same day, a letter arrived from Virgin Finance turning me down for a £1200 credit card.

When I told this story to my bank manager, after the loan was firmly in my bank account and being spent on renovations, he said ‘Nicola, welcome to the ‘Game Of Money’.  You have just gone up a level’.

Nicola Cairncross is the author of ‘The Money Gym’ a ‘financial intelligence’ book, podcast and mentoring company. Born the eldest of four, in a working class poor family in Worthing, West Sussex, her grandmother was a ‘char’ and grandad a market gardener while her mother struggled with paranoid schizophrenia.  After years of just barely scraping by, Nicola finally learned how the ‘Game Of Money’ works and has always been fascinated by how money works and, more importantly, why it doesn’t work for many people.  Now semi-retired and living in Brighton, Nicola trades, mentors entrepreneurs and writes for fun.

Finding The Game Of Money

Up to the age of thirty-five I’d been absolutely clueless that the ‘Game’ even existed, I hadn’t stumbled on it accidentally.  I’d heard hints in books and I’d been working towards its discovery in incremental steps.  The problem is that there are no evening classes and no road signs!

Nobody in my family knew there even was a Game, being firmly ‘working class’.  Uncle Brian might have had a glimmer, as he had owned his own businesses all his life, but if he knew he was playing the ‘Game Of Money’, he certainly never shared that with anyone else.

No, I was on my own.  Then, after years of grinding poverty, false starts and failure, much soul-searching and reading, I’d had an epiphany at the age of thirty-five and pregnant with my second child, after my husband was made redundant for the third time that year.

The revelation was that it was not ME that was the problem.  I was not fatally flawed in some way, incapable of succeeding no matter how hard I tried.  No, it was that I simply didn’t know what I needed to know in order to become successful (which to me and many others, means financially successful).

I realised that, if you accept that a similar woman, same age, 5’7”, brown hair, similar IQ and education perhaps, could become a multi-millionaire, then so could I.  But only if I knew what she knew.

What I didn’t know at that time was that I was also fighting a system, that had its tentacles everywhere, invisible though it was.  Looking back to the younger, naive me, I’m glad I didn’t know about the system, because I would possibly never have got started, never even tried.  I would certainly not ended up here, now, with the knowledge I need to work with the system and teach others how it works and how you can work within it.  Never has that knowledge been more needed than now.

I embarked on a mission to learn the things I thought I needed to know, to crack ‘this money thing’.  I started reading book after book, on personal effectiveness, on business, investing, including many biographies of successful, wealthy people. I talked to everyone I came across about success and wealth creation, quizzing friends and people I worked with, particularly self-made business people and successful investors.

I looked for ‘just one thing’ in each book, one thing that would move me forward, add to my knowledge of ‘The Money Game’.

The accidental short-term outcome of this journey was that I landed a dream job, at a better salary than I’d ever earned before (with performance bonuses too!) reporting directly for an inspirational man, Bennie Gray of The Space Organisation in London, who was to become quite a mentor of mine.

Why You Need To Play

Like it or not, at this moment in human evolution, we all need to earn or make money to live. We need shelter, clothes, food, entertainment and love – not necessarily in that order – to have a comfortable life.

Earning money is when you are contracted to turn up for a certain number of hours, to achieve a specific outcome for someone else and you earn a fixed, pre-agreed sum of money.  Making money is when we either create goods or services to sell, provide a service or trade goods or services, but we remain independent in terms of time and have the freedom to change our prices at will.

The former carries a degree of perceived security, although as you are dependent on one source for your income, one could argue that security is illusory. The latter is riskier, as it depends much more on you, your skills and your efforts, but at least you are not dependent on one income source.

The only way you can break out of either of these two treadmills is by moving to the right-hand side of what Robert Kiyosaki called ‘The Cashflow Quadrant’ in his seminal book about money ‘Rich Dad, Poor Dad’.

The Hidden Handicaps

We all start out on a pretty level playing field when born.  We are naked, we have intellectual potential and hidden talents, so as long as we are fed and looked after to a certain degree we arrive at the age of four, pretty much neck and neck.  Some of us may be able to read already, some might be super bright but not reading yet.  As I say, we may have a hidden talent but it is just that for now, hidden.

But as soon as we go to school we acquire our first handicap.  I’m not going to compare all the handicaps and benefits of schools here, emotional or otherwise, I’d be here all day.  For this article, I’m just going to focus on the ‘Game Of Money’ elements.

A child going to a private school is now streaking ahead of a child in a state school.  It’s just a numbers game, if you get more personal attention, you’ll do better than if you have to compete with thirty plus others for that same slice of attention.

Also, while the more ‘privileged’ child may have a horrible emotional home life, they are still being brought up to expect more from life, they have higher performance expectations placed upon them and are more likely to have a parent or relative who can mentor them in how the ‘Game Of Money’ works.  They will probably not know the meaning of the word ‘scarcity’ as they come from a background where there is none.  Constantly hearing the words ‘We can’t afford it” is a major handicap.

All is not lost for the state school attendee though, they may come from a home with a great work ethic that values learning and they may be curious, independent, talented in one topic or skill that, with the required ten thousand hours of practice, they can use to rise to the top.  A teacher may take them under the wing, as my English teacher Miss Rowland did and that may help to bolster low self-esteem.

Levels Of The Game

I’ve been up and down the different levels of the ‘Game Of Money’ several times.  There are four main levels but there are sub-levels. I’ll lay them out in a minute. I’ve zigzagged between Level 1 and Level 2 before graduating to Level 3 & 4.

The first level is Employee, where you trade your time and freedom for a set amount of money each week or month.

The second level is Executive, where you get into a management position that may be more skilled, so you have a small amount of negotiating power when it comes to your salary, bonuses (if any) and the time you spend in the office.

Next comes the Freelancer / Skilled Trades Level.  These people are often self-employed, which brings some freedom about fees charged, hours worked and you start to see some ‘Game Of Money’ benefits that Employees, at whatever level, don’t even know about, let alone employ.  I’m going to start an super-affordable subscription level in here where I lay those out in more detail.

However, if you don’t work you don’t earn.  Even if you have help, if something happens to you, your income dries up.

Your success at this level also requires other skills, such as marketing, good organisation and you may need to rely on third party ‘professionals’ such as accountants and solicitors, who sadly often let you down.  You must delegate, but not abdicate responsibility here, according to Robert Kiyosaki.  You need to reach the next level as soon as possible and become a business owner. This requires the acquisition of a whole other set of skills, which many Freelancer / Tradie does not enjoy or want to learn.

When you reach the Business Owner level, you are more like the conductor of the orchestra, where you oversee everything but you don’t ‘do’ the work of the business yourself.  More employees or third-party suppliers are required but if you can weather the early days and keep happy customers coming into your business, with money you can fix most things.

You should be regularly taking profits out of the business, on top of your salary, to take you to the next level of the ‘Game Of Money’, that of investor, because if you don’t take those profits out and invest them, they won’t be there if your business needs them later on.  A very high proportion of businesses fail, 95% in the first year, which is why there are many benefits of owning a business, not least of which are tax advantages for both business and owner.  There has to be an incentive for taking on the higher risk of being a business owner, or nobody would do it.

At this level, Investors take inherited or earned money and invest in assets that either grow in value or produce an income, ideally both.  If they surround themselves with other investors, they will have access to layers of knowledge that a simple business owner never discovers, unless they have a Mentor.

Assets increase in value in long predictable cycles (see resources for this article for a video on this) and at the Investor level, you need to educate yourself about how those cycles work, because it really makes a difference over the years.  There are also hidden pitfalls, which can trap the unwary investor and cause you to skid right back down the lower levels.

The Elite Level is one that few people see, much less join.  It used to be called “Aristocrats” and that included royalty, earls, dukes, duchesses, lords ladies, etc. It also includes the people calling the shots in Socialist or Communist countries. You are either born into the Elites, with hundreds of years of inherited wealth or you join by way of making so much money, they let you in.  However, look into the family tree of many apparently self-made entrepreneur billionaires (or the people they marry), and you will find astonishingly familiar family connections that go back to the families that have made up the Elites over many hundreds of years.

Game Mentors

If you have a spark of life about you, if you are curious and engaged and ask lots of questions of every successful person you meet, you may also gain a mentor, be it a teacher, relative or someone who has been successful in business or investing you meet along the way.

One of my first mentors was the Doctor whose evening surgery I regularly created chaos in, as a receptionist.  The patients loved me and the Doctor found me amusing but we found out later I am mildly dyslexic so the filing cabinet for patients notes was erratic to say the least.  He had old money but was a successful property investor in his own right, who had also married a wealthy French woman. He divided his time between Worthing in Sussex and Monaco, South of France!

I’ve been lucky enough to attract many mentors in my life, they really do appear just as the student is ready and the right mentor can help you jump levels in the Game, while avoiding the pitfalls they know about or even fell into.

As you reach new levels, the Mentor can also warn you about the potential harms the Trolls & Bad Actors can hurl at you and I’ll talk about those more below.

Your Inner Game

In my years of mentoring thousands of people after writing my book ‘The Money Gym,’ I’ve noticed that there are two main things that stop people from succeeding in the ‘Game of Money’ even once they have discovered it.

Many people suffer from self-esteem issues, particularly creative people.  These are psychic wounds inflicted by many different sources as children, and this low self-esteem prevents them from being able to earn well, charge what they are worth and actually feel deserving of any wealth they accumulate.

If every attempt you make to improve your financial situation fails, you need to look inside.  I cover this in great depth in my book ‘The Money Gym’ and I speak from experience as I suffered from every single mental hurdle possible.  I had to examine and then work to discard them, one by one.

You will have limiting beliefs about how things work and your own possibility of success.  You will have negative beliefs about rich people and wealth creation.  Financial crisis after crisis will hit you and because you don’t have any savings, you’ll have to start from scratch.  You’ll go into debt and then be locked into the negative death spiral of compound interest.

If you don’t believe you are ‘worth it’ deep down, you won’t hold onto your money, you’ll pay everyone else first and you’ll never save for a rainy day, or accumulate enough capital to start investing – the only route out of the lower levels of the Game.

The second thing that stops people is prevarication.  Often discussed as a desire for perfection or doing things right, it’s actually the old ‘fight, freeze or fight’ instincts rooting you to the spot.  Your need to be ‘safe’ will keep you from making decisions, because of the fear of making the wrong decision.  Any decision can be corrected, but to move forward, you will need to make decisions, in order to get concrete feedback from the market about your products, services and prices.  The only feedback that counts is someone buying your thing.

Trolls Of The Game

As with any game, there are Bad Actors and Trolls. The Trolls are the herd, those crabs in the bucket who are so terrified of being different or of taking risk that they would pull the crab trying to escape back down again.  They are those who swallow the lies, take all their info from the TV or state-owned radio, who look down on poor people as being somehow less, who judge people who sell the Big Issue saying ‘They get dropped off in a Merc every day’.  Those who judge the guy who plays a snatch of jazz on a recorder as you walk past to scrape the pennies together to buy their dog food for the day saying ‘He shouldn’t have a dog if he’s homeless!’. They are those who buy a sandwich for a homeless person saying “They’ll spend it on drugs or booze!” rather than giving them the money and the dignity to choose their own sandwich.

Many of those Trolls come from a good place, they are trying to keep you safe, they are trying to keep everyone safe. But it’s going too far now.  Trolls include those who seek to cancel people who speak out, who tell stories, who make people laugh.  The Trolls believe in ‘equal outcomes’ not ‘equal opportunities’ and who don’t realise that the former cannot be forced on someone,  the latter only offered.

The Bad Actors are those who definitely look down on the people below them, calling them ‘Useless Eaters’.  They are members of the Elites (they were called The Aristocracy in the olden days), or their puppets in Governments.  They are the people who rigged their financial system in the first place so that the rich get richer and the poor get poorer.  I don’t think this has ever been so completely obvious as during the Covid (so-called) Pandemic.  The scales have come off the eyes of millions of people, as outright corruption has been revealed.  Not every Elite is a Bad Actor but even those have their own position to protect so none of them are coming to save us.

There’s another Bad Actor too, who is about to be unleashed again and it is called Inflation.  Inflation works great for the rich, constantly driving up the value of their assets and driving down the cost of their borrowings.  Inflation invisibly taxes the poor – on top of all the other taxes – who have no idea how it works.  Inflation sneaks about, wearing a coat labelled 0-2%, whereas if you stopped for a minute and took a closer look at the things in the basket of goods it carries around, you would find that if you added into that basket the things that the poor and middle classes actually have to pay for out of their post-tax income, Inflation’s coat should say 10-20%.

It’s become very obvious during the Pandemic that the ‘Cantillon Effect’ is alive and well.  This is where the people who are closest to the source of the money benefit most from its creation and distribution.  Banks get money from Government but don’t loan it on, because loans are assets to the bank when created but swiftly become liabilities when they can’t be repaid.

One only has to look at the multi-billion contracts given out to the cronies of the ruling elites globally, often to companies that are in no way specialists in the goods and services supplied, while the real specialists were frozen out of the tendering system.

While I write this article, in July 2021, 1.7 million people per week are being told to isolate in the UK by an App that allegedly cost 37 Billion to create.  This boggles my mind because the most effective and sophisticated Apps never cost this much in the history of technology.  And it STILL doesn’t work properly.

Unless you are born into the Elite Class, only the outliers stand a chance of ascending the rungs of the ladder.  Unless you are blessed with world-class beauty, an innate talent for a sport, acting, singing or music, storytelling, inventing, maths, or those entrepreneurs among us who discover there is a ‘Money Game’ then gain knowledge about how the game is played, you don’t stand a chance.

And as you ascend those rungs of the ladder, you discover the compromises you may need to make to keep your newfound wealth.

That is an article for another author, a much braver one, but rest assured, you need to keep your mouth shut and your nose clean on the way up, or any transgressions will be used against you in a most unpleasant way.

These Bad Actors and Trolls play dirty.  Dirty like you wouldn’t believe.

Tools Of The Game

I bet you are wondering how to get started playing ‘The Game Of Money’ now, right?

Well, here it is, laid out in all its glorious simplicity.  Don’t be deceived though, just because it will look simple, doesn’t mean it’s easy.

Once you have got your costs covered, what you need to start the ‘Game’ is some capital.  Either you’ll save it up from your excess earnings, or you might be lucky enough to be left some money.  This is called ‘generational wealth’ in the Game.

Capital just means money available for investments.  You’ll invest in assets, either assets that pay you to own them or assets that appreciate in value over time.  Those assets must appreciate at a faster rate per year than Inflation can take your money away from you.

Here’s one of the hidden secrets of ‘The Game Of Money’.

The earnings from your assets or the appreciation in the value of those assets enable you to borrow to invest in more assets.  This is where the leverage comes in when you start to use other people’s money (that of the banks or building societies) to own more appreciating or revenue-producing assets.

The Bad Actors cloak everything they do for their own benefit as if it’s to protect us and it’s for our benefit and we lap it up!  Most of us want to be coddled and looked after it seems and we are willing to give up any semblance of autonomy over our bodies and lives to get that illusory sense of security.

I say illusory because as soon as you deposit some money in the bank, it ceases to be yours and if the bank gets into trouble, they can take your money and give you worthless bank shares for it.  In fact, the Bank Of England just published the ‘playbook’ for bank ‘bail ins’ as bold as brass, on its very own website, so that all the other banks can get ready for this confiscation should hard times hit them.

Banks count our deposits as their liabilities and our loans as their assets, did you know that?  As soon as your money arrives, they need to get it out working and earning interest for them, interest which they certainly don’t pass onto you nowadays.

Everything that can be twisted and used to further the narrative that supports their own Elite agendas is regarded as a gift and used accordingly.  ‘A sudden pandemic you say?  Marvellous, that will deafen the sound of the creaking financial system brilliantly.  Got a patent for the vaccine? Need PPE too will they, you say?  Bring it on, let’s create a company and make it and supply it’.

As Confucius used to say, there is no crisis that can’t be turned into an opportunity.  That goes for a manufactured crisis too.  He must have been a Banker Troll or an Elite.

Conclusion

So what are we to do then?  While I knew about the ‘Game Of Money’ before March 2019 and was playing it with varying degrees of success, I knew nothing about the Bad Actors and their plans to use this crisis to further their oft-declared depopulation goals.  It’s been a real shock to my system and I’m sure, if you are reading this today, to yours.

When I try and educate those around me about this, people turn away, cover their eyes, tell me it makes them feel helpless and hopeless.  But there is no need to be, if you are willing to get educated and take a chance.  I’m going to share some resources below that will insure you and your loved ones against what is coming financially although I can’t do anything about the alarming need of the Elites to meddle in our everyday lives.

It’s splitting families and friends down the middle, even in my own family, with some choosing to bury their heads in the sand and some rejecting me as an outright lunatic.

I am lucky, however, as I have a financial mentor who is a genius at strategic planning and when word started arriving from China that a virus was loose, he sat down and predicted everything that might happen as a consequence.  We wrote it all down so we could refer back to it.

He’s been absolutely ‘bang on the money’ so far.  Not just about the actions of the Elites and their puppets, but the timeframes involved too.  We’ve been able to prepare, to some degree.

We, as a human race, have all got soft and you know what they say about soft men bringing on hard times.  We rely on Amazon and Tescos deliveries, on the dustman taking our rubbish away, on the NHS being free for all and continuing to be so.  I count myself in this number by the way.

While it’s still possible to buy land, ideally with running clean water, build a log cabin and homestead (grow your own food), only a very tiny number are brave enough (or willing to work that hard).

I follow the best of the homesteaders on YouTube in the hope of picking up enough survival skills in case this Covid panic and forthcoming financial collapse drives us all back to the land but I’m fervently praying that won’t happen.  I’m 59, 60 in September this year and apart from my continual surprise at reaching this age, I was looking forward to a nice peaceful retirement dividing my time between my favourite part of Greece, coming back to the  UK regularly to see my grandchildren growing up.  If the Elites succeed in their plans it’s doubtful if there will be any travel, much less grandchildren.

I’m fully aware that, in that ‘end of times’ scenario it won’t be my digital marketing or trading crypto skills that are at a premium, but my cooking and advanced sewing skills (I’m an ex-fashion designer!) will come in useful as will my recently discovered ability to shoot straight.

There’s still time.

You can still educate and prepare yourself financially, turning every spare penny you have into assets that will hold their value, preserve your purchasing power and which may enable you and your family to survive the financial armageddon at least.

The mass gatherings and protests in the UK, Lebanon, Algeria, India, Spain, Portugal, Australia, France, Cuba, South Africa give me hope.

We are currently playing a far bigger game than most people realise.

It’s much bigger than the Game Of Money.

This is the Game Of Life.

We must win, the future of humanity depends on it.

Free & Low Cost Resources:

‘Hidden Secrets Of Money‘ free video series by Mike Maloney

‘Wealth Cycles‘ free video by Mike Maloney

‘The Money Gym’ book by Nicola Cairncross | Amazon.co.uk

‘The Money Gym’ free podcast by Nicola Cairncross & Guests | Listen

‘The Money Gym: The Missing Chapter’ by Nicola Cairncross – Download Now

George Gammon on YouTube .  George is just great at explaining things on a whiteboard in 3 easy steps!

Bank Bail-Ins by Neil McCoy-Ward – Neil is a successful investor and shares his financial knowledge every week.

Filed Under: Money

28 June 2021 By Nicola Cairncross 7 Comments

So What Next?


I am sitting here today, on the 28th day of June 2021, at the age of 59, in our new fancy apartment in Brighton.

(It’s far too fancy to be called a flat btw, it’s pretty much the perfect penthouse I always imagined living in when I was older, except it’s not on the top floor, but on the penultimate floor in this block.)

Not older, yet, either.  Well, certainly not as old as I’d envisaged I’d have to be, to live in an apartment like this.  Brand new, still sparkling clean, full of brand new furniture, right next to the North Laines, with a lift.  I can hear the Speigle Tent of the Brighton Fringe for heaven’s sake, you can’t get much more central.

I can even have a little dog if I want to and in my daydream, there was always a little dog. I am not going to get a little dog yet, far too much responsibility, but I could if I want to.  It says so in the lease.

“As long as you’re still alive, you always have the chance to start again.”
― Emily Acker, No Longer Broken

There’s an amazing and unexpected bonus which is that my daughter Phoebe is here too.  Now that’s something I never imagined, thinking that when I was old enough for this apartment, she’d be off having her own family.  She’s not quite there at that stage of her life yet, it all having happened much suddenly and earlier than anticipated, so here she is.  Living with her old ma, issuing strict instructions about how I am not to behave like a Ma, ever, at all.

If you look back, you’ll see my last blog post was written around the 12th of March 2020, when we thought a pandemic was on the way.  I was washing up and trying to be mindful, keeping panic under control.  Being an avid dystopian sci-fi reader that was easier said than done.  I wonder if I had ordered the three months’ worth of pasta and couscous, tinned tuna and tomatoes, stock cubes, red lentils, and Encona Hot Pepper sauce from Tesco by then.  I must have done.

Once I finished washing up, I wrote the blog post remembering Steve, who died five (and a bit!) years ago now.  He’d have loved this apartment, being very fond of brand new places with brand new furniture.  He probably wouldn’t have lived here with me, not being that keen on Brighton, although he may have changed his mind on that by now.  No, my life has taken some strange twists and turns since he died and it probably wouldn’t have unraveled that way if he was still around.

Now all the flatpack has been assembled by Phoebe’s obliging boyfriend, all our existing boxes are unpacked, recycling taken to the Bin Room in Block A, I’m starting to run out of things to do.

I’m wondering ‘So what next?’.  What’s next for me, in life?  That’s the burning question I now wake up to every day, go to sleep to, and have ringing in my head for most of the day.

As getting your thoughts out of your head is a great way to move forward, here I am blogging again. I’m going to model myself on one of my first business mentors Chris Barrow, Dental Business Coach, he blogs daily and keeps it short.  I want to blog daily and keep it short.  However, I’m not known for my brevity, once I get going.

Keep it daily, short, simple, with one picture.  I’ll share that on social media and to my mailing list.  See what happens, if anything.

It will give me a structure to the day.  Make me feel that I’m achieving something every day.

Just keep going.

“When your world is completely flattened, you have no choice but to start over from the ground up. It can take over a decade. Anyone that watched from afar would call this a tragic catastrophe. I now know one of life’s greatest secrets; destruction breeds growth.” ― Kristin Michelle Elizabeth

 

Filed Under: Diary

12 March 2020 By Nicola Cairncross Leave a Comment

Washing Up, Pets & Other Loves

While washing up today, I heard that Rickie Gervais and his partner Jane had lost their beloved cat Ollie. No, they hadn’t actually lost him, he’d died. 

There were outpourings of sympathy from those who insist on calling pets ‘fur babies’ and videos of Jonathan Ross giving Ollie to Ricky live on his television show sixteen years ago. Ollie had enjoyed good innings and was now trending No 4 on Twitter UK, something I’m sure Rickie and Jane will find highly amusing, in months to come when the pain subsides a bit.

Washing up is an opportunity to practise mindfulness, while bringing order to the daily chaos that is a kitchen used by three hungry adults, with three very different diets. I wash up, Nelson puts away and Phoebe does the bins and the floor.  It’s a great time to slow down, be present, not so much to think but to muse. Like showering, driving or ironing (which admittedly I don’t do so much of anymore) washing up occupies your body in a well-known task, muscle memory kicks in and your mind can wander free.

I need to wash up more often during the day at the moment, with the Corona Virus rampaging through the world.  As an avid reader of dystopian fiction, I saw the writing on the wall weeks before anyone else and I now regularly need to get away from the screens screaming silent red numbers at me.  Watching them jump by a thousand confirmed cases every time I refresh the screen, makes me feel as if I’m in the path of a huge juggernaut twisting and sliding slowly and inexorably towards me and those I love.  

It’s not so much getting ill or dying myself I fear, grim as that would be by the sounds of it, it’s the possibility of having to grieve again so soon that terrifies me.

The news of Ollie’s demise made me wish again that I’d had pets.  Some animals had come and quickly gone, usually after my mother realised the reality of coping with pets and two small girls was too much for her.  Our pets, boxer dogs Magda and Velvet, Percy Fluff the kitten, Julie the long-legged Jack Russel, usually went to ‘live up the lane with the farmer’, whatever that really meant.  

You can’t miss a pet you didn’t have time to attach to and standing at the sink, I regretted that my sister and I had never been given the chance to lose and mourn a pet.  I think it would have better equipped me to handle grief. If you grieve a pet or two, but recover, perhaps it makes you more resilient, more able to cope with the grief of losing a person.  Most of all, I really wish now that our lifestyle had allowed me to let my kids have pets too. We moved too often and now I realise, I haven’t equipped them for grief either.

Thinking about the nature of grief made me suddenly remember that Steve died four years ago this Thursday 12th March 2016.  Steve was not a pet, far from it, a more fiercely independent and scratchy man I had never met. But he was my best friend, business partner, companion in shenanigans, lover and step-father to Phoebe and Nelson.  

I braced myself, hands in suds and the pang of loss duly arrived but I noted with interest that it was not so vicious this year.  Not so much the twisting of a knife in my heart, but a more gentle, wistful echo of pain remembered, not actually felt. Still vivid but misted slightly, like the blue of an early dawn sky on a hot summer day.

The first year after he died suddenly, in his sleep, the emotional storm was excruciating.  It was physical, all-consuming, utter agony. I wrote in my journal at the time that it prowled my waking hours like a wolf, ready to howl and growl and tear my equilibrium apart.  I could only cry for a minute or so, each time, hot tears seeping but giving no respite at all.

Nobody can take away the pain, there’s nothing anyone can say to make it better, no activity mitigated it, it was just always there making everything feel surreal, meaningless, every minute endless.  Time became elastic in entirely the wrong direction, it stretched out into the future with no snapback in sight.

In the first months, early evenings were the worst, especially as the spring progressed and summer taunted me.  As the long sunny days dragged on, I wandered around the village in a daze between six and eight o’clock, just to get out of the house, often ending up in the graveyard of St Mary De Haura.  

Steve wasn’t there, my ‘share’ of his ashes still resided in their brown plastic coffee jar urn, neatly labelled, under his mother’s television.  I didn’t want them, they were not him, just like he wasn’t buried in that 900-year-old graveyard. She could keep them, she loved golf and racing just like he had, so it was a more fitting resting place than any I could provide.

But somehow sitting among all the ancient gravestones I felt more at peace, more part of the human continuum.  Each gravestone represented someone who had died, but more than that, someone who had mourned their loss, as I mourned.  Someone who had grieved and yet lived on somehow. Each stone was like a spec of light, a beacon of hope in the darkness, that I might make it through too. Even the seats I sat on around the ancient walls had been donated by someone who had felt what I felt and presumably recovered from it.  

Gradually though, the elastic minutes, hours, days and months passed and the pain gradually lessened its vicious grip on my heart.  The wolf roared less frequently and I remember the day vividly when I sat on a sunbed, on a beach in Greece with children playing in the background and waves lapping at the shore, my toes scrunched up in the warm sand and I thought …

‘Blimey, I’m actually happy again’.

Filed Under: Success Thinking

13 July 2019 By Nicola Cairncross Leave a Comment

GriefWalker | A Thoughtful & Beautiful Film About Death

Griefwalker, Tim Wilson, provided by the National Film Board of Canada

Since Steve died I’ve been very interested in death, dying and grief. How it happens, what happens afterwards, how grief feels, how people handle it, how I handled it.

This documentary introduces us to Stephen Jenkinson, once the leader of a palliative care counselling team at Toronto’s Mount Sinai Hospital. Through his daytime job, he has been at the deathbed of well over 1,000 people. What he sees over and over, he says, is “a wretched anxiety and an existential terror” even when there is no pain. Indicting the practice of palliative care itself, he has made it his life’s mission to change the way we die – to turn the act of dying from denial and resistance into an essential part of life.

Filed Under: Success Thinking

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