Takeshi Yashima -Financial Education and Wealth Building

Middle Class is in decline

In every crisis, whether crisis is tech bubble on 2000 or housing bubble on 2008, it seems that middle class people are always victim of every crisis and rich and wealth people either capitalize from every crisis or protect against it.  Many hard working middle classes' wealth were evaporated because of those crisis.  This notion seems true not only for those financial crisis, but also most of events that taking place in every aspect of our life.  Funny thing is that wealthy people are also capitalizing from all other events as well.   

Read more: Why Middle Class is in decline, While Mega Riches and...
Why Most Fail in Network Marketing Business

If you read the 1st part of the blog, it sounds great.  Unlimited income potential with great support structure.  Moreover, it is so cheap to get into the network marketing industry.  Yet,

More than 95% of people quit without making any money...

Read more: Why Most Fail in Network Marketing Business and What to do...

As soon as people hear about Network Marketing, have you ever experienced following reaction?

Is this pyramid scheme?

What they don't know is that conventional corporations also look like pyramid scheme...  CEO paid the most and VPs get second, directors get third... all the way down to the employees on the bottom...

Read more: Network Marketing: New Wave of Business Model
Interest Rate and Its Implication to our Economy

If you are reading my blog, there are countless discussion about interest rate.  Many people simply don't understand what's high interest rate or low interest rate do to our economy, although many understand about interest rate in individual level such as buying a car or houses etc.  If person buys the car with high interest rate, then amount he or she has to pay will be greater than those who buy a car with lower interest rate.  In order to understand how interest rate affects overall economy, we need to expand little more.  In this blog, I will explore each different outcomes of changing interest rate.

Read more: Interest Rate and Its Implication to our Economy
Success Key in Human Life

Human life is very competitive but people can easily achieve individual success by practicing the four keys to success. I believe these would change life for the better.

Everyone has own interest, belief, patience, happiness and financial choice. We all are trying to do something new in our own life to make it more meaningful to surrounding people. I believe, success is a simple bit of information, an idea at the right time, in the correct circumstance and act to change your life.

Read more: Success Key in Human Life
Total Retirement Confiscation

I posted the news that President Obama announced the new government sponsored retirement program so called "MyRA Retirement Account" couple of weeks ago.  This supposedly helps employees of companies that don't offer the retirement plan save their retirement nest egg, which would be backed up by U.S Government.  My initial response to this was

Read more: Total Retirement Confiscation: Is it possible?
Self-Motivation is part of a Good Leader

Before moving into the motivational discussion, I would like to clarify that success in human life is determined not only by individual’s ability but also and most importantly by his / her own level of motivation. They are a lot of people who expects someone else to come and motivate them to be changed to what they wish to be. The fact is that none would come to the salvation ever in life.

Read more: Self-Motivation is part of a Good Leader
Truth about Negativity

I usually hear the answers something like this every time someone brings the deals or opportunities.  It goes something like this:

"I heard that this is scam"

"I looked at this in the Internet and everyone said this is not good"

"I saw so many negative reviewsabout this"

Read more: Truth about Negativity
Precious Metal

While stock market is climbing up in exponential speed (Dow is now over $16,000), precious metal market was down significantly since beginning of 2013.  As of today, price of gold is around $1210 and silver is around $20.

Read more: 2014 Prediction: Future Direction of Precious Metal Price
Learning from Book Smart or Street Smart?

I just came back from my Japan and Taiwan trip.   Every scenery and building has changed so much since I was back to Japan as well as Taiwan for quite a while (Japan for 4 years and Taiwan for 2 years). 

But, one thing has not changed at all since I was child: Amount of cramming schools. 

Read more: My Thought of the Day: Learning from Book Smart or Street...


In this section, I mainly discuss about my thought regarding to the current condition of economy or other related event.

I will sometimes comment about book I read.  I hope this book review will help some people start investing.

In this section, I will mainly discuss about general investment knowledge, specific investment vehicles and some tips and techniques I learned from my experiences.

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