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A delegation of seven Finnish high school students will visit Korea from May 21-27 as,[link widoczny dla zalogowanych]
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The first day featured presentations on job training and university education. Discussion sessions were also held between participants and their parents and the video of the Little People of America was shown.

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We all have lots of people in our lives. In business this concept conjures up the word networking. there's a possibility that the other site owners will link to yours but then, You have to remember that links are important because that make the web go round.

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By Danielle Brown See all Articles by Danielle BrownGet Updates on Business OpportunitiesGet Updates on Danielle Brown Average: 0 Your rating: None Tweet If you are looking for a business opportunity that does not require an initial investment and does not require you to stock any merchandise starting an internet business will be the main focus of this website,[link widoczny dla zalogowanych]. I love everything by Esther and Jerry Hicks and I believe in everything they teach with Abraham,[link widoczny dla zalogowanych].
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The second part of working through the emotional divorce is mourning the losses that accompany divorce,[link widoczny dla zalogowanych], including, anger, depression, and fear, a predominant emotion during transitions. Facing the unknown is fearful. Divorce represents loneliness, change of lifestyle, imagined losses of what might have been, and of memories of what once was; as well as real losses on every front, such as home, family, children,[link widoczny dla zalogowanych], financial, and often friends and in-laws. It may entail a move to a different city or school, a job change, or a homemaker going back to school, or entering the work force for the first time. It also involves loss of identity, as a wife, a husband, and possibly as a parent. To successfully move on,[link widoczny dla zalogowanych], each fear must be addressed and each loss mourned. Grief work can precede the physical and legal divorce and smooth the way.
By Darlene Lancer, JD, MFT
See all Articles by Darlene LancerSee Darlene Lancer&#039,[link widoczny dla zalogowanych];s Expert PageGet Updates on DivorceGet Updates on Darlene Lancer Average: 5 Your rating: None Average: 5 (1 vote) Tweet
If the unbonding process not successfully traversed, the emotional connections will undermine the couple's attempts to separate. Many couples are still "married" years after the formal divorce, if only to maintain contact through court battles, or alternatively,[link widoczny dla zalogowanych], ritualistically celebrating holidays together ("for the children's sake"). One such couple,[link widoczny dla zalogowanych], divorced many years,[link widoczny dla zalogowanych], lived in separate houses on the same property, kept sufficient distance through legal hostilities. Another lived as neighbors, because she needed to rescue him from his depressions, and he needed to drive her around.
See also,[link widoczny dla zalogowanych], Stages of Divorce.
See for a FREE REPORT - From Self-Criticism to Self-Esteem
Copyright Darlene Lancer, 2010
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But I think if I had gone through my traditional cardiologist, I might not have made it. But my cardiologist—who started off, like I say, as an acupuncturist and iridologist, with the eyes—he comes from a completely different point of view on medicine. So that’s one of my most exciting projects, is Rich Health.
We are very pleased today to have Robert Kiyosaki of Rich Dad, Poor Dad fame, and his sister,[link widoczny dla zalogowanych], the Ven. Tenzin Kacho, a Buddhist nun ordained by the Dalai Lama. They’re going to be talking with us about their book, Rich Brother, Rich Sister. Thanks so much, Robert and Tenzin, for joining us today.
Robert: Yes. Making money has always been pretty easy for me, but today I don’t need any more money. I still work, because money is important, but my work is more important than the money, now. And that’s a very big difference. I just work because I enjoy my work.
Tenzin: Yes, and this is where the spirituality kicks in, too, where we have to gain clarity in our own mind, because we are living through very difficult, historical times. [We need to] watch that we don’t get paralyzed or depressed by it, and see what we can do to find other avenues of working with what’s happening.
Kris: It is always there, in some form, if you reach out to it.
Robert: I think my sister should write what she really knows about, which is karma. She should have a book on that. She should have a book on nirvana, past lives and things that she’s really studied. And I think her advantage is she’s a Western-Asian woman who is studying an ancient Buddhist or Asian religion. So she’s a very good translator for the West.
Tenzin: I think that it’s a quote really helping us to expand and broaden our view and our attitudes at life. We live in a global community, now, and we can’t really remain isolated. Even in some of the smaller towns there are people from other countries living with us, now. I believe that when we hold a very narrow view about our attitudes of politics or culture or religion, then we cut out the opportunity to really engage with other points of view.
Robert: Thank you, Kris. It was an honor to speak with you.
That’s why we get together, is to give more. That’s what I think life’s about. I think there’s just too much greed in the world today [and] that’s why we have problems. We got together with this book here so I can support my sister giving her gift, also. She works in a hospice and she works with dying one-on-one, but I said, “Your gift has to be given to the world, and the more you leverage your gift, then the universe [will] ‘Give and you shall receive.”’
When the heart disease hit—that was two years ago—I did have some insurance, really bad insurance. My out-of-pocket expenses, just for that, were over $22,000 last year. That’s a big wake-up call, when you look at how you’re going to pay this. It’s not something that is small change for someone like me.
Kris: So, a lot of self examination and probably meditation?
It’s been quite a magical journey for me to learn to be kinder in my dealing[s] with other people. I would say that’s one of the biggest benefits for me personally in writing this book with my sister was learning to be a little kinder [and] a little bit more patient. My whole upbringing—like I said, from playing football all the way through the Marine Corps—was not about kindness. It was almost the exact opposite.
Kris: And so that’s how Rich Brother, Rich Sister came to be?
Robert: I thought it was great quote. So many people operate in a world of right and wrong [that] they become polarized. You’re conservative or you’re liberal; and if you’re one or the other, you can’t be both. I just think that this idea of right and wrong is kind of a damaging idea.
Robert: Hope is for the hopeless. I like to take action and get smart. I don’t trust my politicians. They’re not bad people. How much did it cost to get Obama elected? Probably $250 million? So that’s a lot of favors he has to return. [Laughing]
Tenzin: You know, I’d always been struggling as a single parent. It was Robert who came up with the idea [and said], “Why don’t we write this book? It will be an interesting way for myself to make some passive income, but to share our story and to perhaps, and hopefully, help others with their own dilemma.”
As one of my teachers, Buckminster Fuller, says, we were given a right foot and a left foot, not a right foot and a wrong foot.
Kris: And then you went to Robert.
Now the other quote that I’ve just found to be a wonderful quote in the beginning of your book is from His Holiness, the Dalai Lama, and it is, “My religion is simple, my religion is kindness.”
Kris: And what do you hope that people get from Rich Brother, Rich Sister?
Tenzin: Working as a hospice chaplain, I’m finding that I pull in and work with people from so many different cultures and faiths. Essentially what people respond to is kindness. Although we were both raised as Christians and I became a Buddhist nun, there’s so much where there’s the meeting of the heart rather than anything else. We work on that level in hospice, just paying attention to what the person’s needs are.
It was very odd to be a Buddhist monk defense contractor. Now it’s very congruent for me, working in hospice, because I’m learning at the same time as deepening my own practice. Writing the book has stretched me beyond just helping a few individuals into understanding the financial world and where I was in balance; to get my head out of the sand and infuse more meaning into my life.
Tenzin: It has been a very interesting lesson and one that I am turning my life around now to share with others. It’s a big leap, again, to show that I had this flaw with my head in the sand about this. But it really is about balancing out our lives.
Look at Apple Computers. They give you a better and better computer for a less and less price. You look at what [India] is doing now with cars. Tata Motors is producing cars for $2,500. That’s more than the health care costs inside of a GM car. The reason GM is in trouble is [India] ephemeralized what the U.S. didn’t.
Robert: You look at it this year. The stock market is down forty percent from last year. That’s the stock market having a sale, offering forty percent off. I don’t understand why people are complaining. I am buying more than ever now. I say, “Oh, this is good. The stock market is on sale. Real estate is on sale.”
“What’s your purpose, young man?”
Tenzin: People are also looking for security, rather than real growth or [Inaudible 00:39:10] in service to others.
So I spend a lot of money on health: gyms, I go to naturopaths, acupuncturists; anybody else who’s almost the alternative to medicine. I think by the time you need medicine, it’s too late. That’s my belief.
Back to the economy, too. Do you see a way out of this? I hear things like we’re trillions of dollars in debt, and I think,[link widoczny dla zalogowanych], Well, how is that ever going to change? Do you see any ray of hope?
I did a seminar in South Africa a month ago, but I did it from Phoenix. I didn’t have to get on a plane and fly for three days to Johannesburg. I just stood in my little office in Phoenix and they beamed me up thirty feet inside this room. There was 2,000 people or something. I made as much money but it cost me a lot less wear and tear. That’s ephemeralization.
Why am I a person who loves guns? I have no idea. Why do I like to go hunting? I don’t know. It doesn’t make sense to me. Why does somebody love golf, because that doesn’t make sense to me either. [Laughing]
Kris: Have you come to believe that people need to create their own self sufficiency?
Even though I was living this wonderful life, I got hit with mortality issues and big bills. I realized that living in L.A. was not heaven. I had some basic needs to take care of plus the insurance companies were knocking on my door. This was a big wake-up call for me.
Now I’m having to expand my thinking and this is what we need to get, is to expand our thinking and see how, in this difficult economy, what we put into our mind and our thoughts can raise us or depress us. Because the mind is so powerful, we have to check our thinking and we have to really look at balancing this out. If we don’t pay attention to one side, it’s going to knock us over.
Now, Robert, what do you say about that?
Kris: Robert, did you learn anything about the medical system through this experience?
Kris: Right. It’s a time of opportunity.
Kris: One thing you talked about in the book, Robert, is Buckminster Fuller [who] was [an] extremely important mentor in your life. Can you tell our listeners a little bit about that whole experience?
The moment they turned the U.S. dollar—in 1971 when Nixon took us off the gold standard—it was the end of America as we know it. 1971 caused the biggest economic boom, but now it’s going to be the biggest economic bust, ever. So I think it’s absolutely a tragedy. I think it’s a tragedy our schools don’t teach kids about money. I think it’s a tragedy that it has to come to an emergency before we evolve.
Now, Robert, I’m interested in what you have to say about the current economic conditions in this country and what your take on that is.
Robert: It’s evolution. Right now, the technological world plus God or spirituality is evolving. I think America has become a little bit too corrupt, government’s a little too corrupt, too greedy. Many corporations are too greedy. The labor unions are too greedy. That effects charities and religious organizations. I just think it’s greed.
Robert: Massive. Massive opportunity. And that’s what I’m saying. Is the economy bad? Well, it goes back to Fitzgerald saying again, there’s different points of view. To me, this is a great economy. If you wanted to buy a house, now is the time, even in Santa Barbara. Everything is coming down in price, which is wonderful. I don’t know why people are crying.
That’s when I ran back into my sister, Tenzin. In 1985, she became an ordained nun by His Holiness the Dalai Lama. I became a teacher—something I swore I’d never become—and I saw her as a nun. If you had seen us back in high school, there’s no way you would have ever said I would become an author or teacher because I was a horrible student; and there was no way you’d ever say my sister was going to be a nun.
Tenzin: I am finding that out. As I work with this book, as I work with others, I am finding more ease and ways of working with this myself.
Robert: Ephemeralization means the ability to do everything with nothing, or leverage, or doing more with less. What Dr. Fuller said was nature was ephemeralizing constantly, always doing more and more with less and less. That’s why it goes against the labor union idea of doing less and less for more and more money. [Laughing]
Kris: That is a very unique perspective,[link widoczny dla zalogowanych].
Kris: And have you found that to be true, also, Tenzin?
Which brings me to another question for you,[link widoczny dla zalogowanych], Robert. Personally, I’m still working on this one. I came across the word ephemeralization. Can you explain that?
I said, “Well, getting rich is doing something with my life.”
Kris: Right. I found that fascinating in the book. That really comes through, that each of you have really developed very differently.
I have the money to pay for the best, should I say, natural health care, or preventative health care. I carry vitamins around, and like I say, I go see my acupuncturist. I go to hyperbaric chambers. All those things cost money; time and money. But I’d rather protect my health than let the doctors take care of me later on.
In the front of your book, there’s a remarkable quote by F. Scott Fitzgerald. “The test of first rate intelligence is the ability to hold two opposed ideas in the mind at the same time and still retain the ability to function.”
Kris: So we’re kind of going through that whole process, it sounds like.
Tenzin: I’ve learned so much from the Dalai Lama, even from a distance. I’ve worked somewhat closely with him in the past. Even his view of his own studies: he is so willing to test things and try them on; work with scientists, work with cutting edge physicians who are learning about new technology and questioning his own belief systems. I love that sense of inquisitiveness and willingness to change. As he does that, then he gets more confirmation on what does work for him, and he’s willing to throw out other things.
Kris: And making a difference for other people.
Tenzin: Thank you, Kris.
Kris: Right. It’s interesting that so many people seem to be on those two polar opposites.
Those are some of the reasons that word ephemeralization, or doing more with less, is such a crucial, crucial principle to learn; especially if you’re going to be in business in this rapidly changing world, today.
Kris: Growing up, how did this affect you? Were you exposed to different points of views in your growing up? You talk a lot, in your book, about your childhood in Hawaii.
Tenzin: What Robert keeps teaching us is to change our point of view and raise our sights and look at opportunity.
In front of these hundred people, he scolded me publicly, and he said, “Get rich? Get rich? What a waste of a good mind. Why don’t you do something with your life?”
Tenzin: I think we all need to look at self sufficiency a lot more. And that’s a huge change of view.
Kris: Well, it was just a delight to talk with you both, and just wonderful to see [the] inspiration and education you both brought to people that desperately need it in this world. Thank you so much for joining us today on New American Health.
Kris: I would think that’s a big lesson. A hard lesson.
Tenzin: I have been attending Robert’s seminars over the years. I find that Robert is more of a mentor to me as I go through my life. One of Robert’s talents is that he’s able to distill some of these concepts about finance into more simple terms. For Robert to teach me, he has to keep distilling it down to very elementary Monopoly kind of issues so that I can grasp what he’s talking about. I was really ignoring the financial aspect of my life.
That’s what happens when you have a bank that’s allowed to print as much money as it wants to.
The point is that, there’s always two points of view out there, and we need to increase our ability to, shall we say, allow another point of view. Then we have a better chance for peace.
But if you can’t see it, you can’t see it, because you’ve been trained to think, I’m going to work for the university system and stay there until I get tenure. That was my dad. Whereas my rich dad was exactly the opposite [type of] thinker.
Kris: And how wonderful that you did write it. It is a very inspiring book. I think people will take a lot from it.
Kris: If you had one message, Robert, that you would like Rich Brother, Rich Sister to get out to people, what would it be?
Robert: I would say it’s one of the toughest lessons. I personally had to learn kindness. As I said, I grew up playing football and hunting; and went to military school and then into the Marine Corps. Kindness is not a valued trait.
Kris: How did you come to find your gift, Tenzin?
So I had two dads, two points of view, and I chose to listen to my rich dad.
Tenzin: Yes, transforming difficulties and putting them into practice, how you take it to your advantage.
Tenzin: Well, it’s our government, too, because there are a lot of people that are just waiting for social security to kick in. The baby boomers are hitting at what— 10,[link widoczny dla zalogowanych],000 a day [at] social security age—and there are not that many people putting in towards their retirement.
I had been living a very simple life, bedding as a monastic, praying, meditating, really plumbing the depths of our inner riches. I was ignoring the basic needs of my physical life and really thinking that if I lived my life well, then everything would be fine.
To me, the way he transforms difficulty into things of awakening. He says that losing his country, living in exile, has made him a true person, rather than sitting on a throne, somewhere, in a dusty palace. [It] really changed his life when he got thrown out into the world.
When I ask some of the monastics, not just Buddhists but also Catholics and other renunciants; they feel that somehow they’ll be taken care of. I think, especially with the economy changing the way it is, that even churches and temples are going to be challenged in this economic time because the gifts to these places are coming from the kindness of others. If they, too, are challenged, I think that non-profits and monastic orders are also going to be challenged.
So what’s next with Rich Brother, Rich Sister. Do you have another project in the works? What do you see in the future?
Robert: We have different interests and different likes and dislikes.
Kris: I also wanted to ask you, if you can describe for our listeners, a little bit about what you have learned from His Holiness, the Dalai Lama?
Tenzin: I’m learning more. What happened with the cancer—that happened in 1998—was that friends took care of me. And because friends took care of me, I remained ignorant about finances. I thought I’d always be taken care of.
I think that’s a very important question, because it puts meaning into life, other than just eating, drinking and sucking air down. What can we give back to the planet? That was the question that Fuller asked me back in 1981, and it took me a long time to figure it out.
After he scolded me, then I was in turmoil. I did find that emptiness that a lot of people talk about. Is it just the money? Is this all there is? Is it just a bigger house and nicer cars?
Tenzin: Absolutely. My mother, particularly. [She] became involved as the staff nurse for one of the Peace Corps training centers in Hawaii; one of the largest in the United States. We were working with people from all over Asia, learning about their food, their culture, their language.
Kris: And that is a good point. There are good things to this whole experience for people. I know, in our family, we’ve slowed down quite a bit. There’s always that good underneath the challenging part of things, I think.
Reaching out to Robert, he was really helping me stretch my understanding. I was one of these people who was really waiting for my center or living a good life as a monastic [to] take care of me, [like] these people who expect that the government is going to pay their retirement later on.
Kris: Food is such an important part of it, and we talk a lot about that on the show,[link widoczny dla zalogowanych], about food and how it can create health.
Tenzin: Yes. Lots of meditation; but also, stretching to work with a wider audience and sharing my gifts as well.
So he says compassion for others must start with compassion for oneself.
Look at the world of books that I’m in right now. People just download books. They don’t go to a bookstore,[link widoczny dla zalogowanych]. Amazon is wiping out Borders and Barnes and Noble. Those are examples of ephemeralization doing more with less at a better price.
Kris: And it wasn’t until you became diagnosed with the cancer?
They called Fuller the “world’s friendly genius.” John Denver was inspired by him. He called him “the grandfather of the future.”
Robert: I don’t know why I am internally a violent person. I don’t mean I’m physically violent or anything like that. I don’t have the normal nerve endings most people do, which was very good for me as a pilot in Viet Nam. When most people are afraid, I’m actually quite excited about things. Even today, I go big game hunting and all this, and the more dangerous something is, the happier I am.
When I met Bucky I was totally into capitalism and making money and all this. One day, I was up in Kirkwood, California, right above Lake Tahoe [and] he asked me what my life’s purpose was. There was probably a hundred people there.
Kris: Now Tenzin, it sounds like your whole idea about money has evolved quite a bit through writing Rich Brother, Rich Sister.
Tenzin: Yes, it has. I realize that I have surrounded myself with people with my same belief systems, and that’s what we tend to do; is we tend to surround ourselves with people of like mind. I felt that I was doing fine.
Tenzin: And Robert’s working on Rich Life, Rich Health and Rich Family.
By Kris Costello Interviews Robert Kiyosaki and Tenzin Kacho on Wellness Talk Radio
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Robert: We were talking about—because my father was a university professor—and his thing was tenure. Any time I hear a university professor say tenure, I hear the word dinosaur. [Laughing] You’re not supposed to be getting tenure. You’re supposed to be figuring out how you can teach more students at a better price and more effectively. That’s your job.
Tenzin: And for myself, it’s about being tougher, speaking up more and jumping into the game more. That’s been another lesson for me, and it’s been a pleasure to speak with you.
I said, “To get rich.”
Kris: Yes. Good point,[link widoczny dla zalogowanych].
Kris: You’re listening to Wellness TalkRadio. I’m Kris Costello. Thanks for joining us.
Robert: I don’t ask a doctor about vitamins and I don’t ask naturopaths about penicillin.
Robert: I believe in taking care of myself and teaching other people who want to learn. I don’t believe in just printing money and giving money. I’m willing to teach those who are willing to learn. If you’re not willing to learn, then go vote for Obama. I’m not Republican or Democrat, so don’t get me wrong.
Kris: We talk a lot about that on this show and give people different alternatives; one of the main ones being, of course, food and just keeping your food very simple and wholesome.
That was back in 1981. My life took a whole completely different path after that. Instead of being just a capitalist with factories in Taiwan and Korea and Hawaii, I suddenly had to ask myself, What’s my purpose in life? Am I just here to make money?
But all these guys who want to join the police department so [they] can get twenty years and then retire, those are Industrial Age ideas. Information Age ideas should just be how can I serve more people at a better price.
So, as a businessman, I’m constantly ephemeralizing, figuring out how I can do more and more for less and less. For example, I set up a franchise system where people could come and [get a] financial education for free. My task is how I can learn to make money from that by giving first. I’m always constantly looking at how I can do more and more for less and less.
So the people who are getting ahead are people who are ephemeralizing financially. And the people that are dying are people who still expect to get paid more to do less. That’s the big disconnect right now.
Kris: That is an amazing experience, to have those two different experiences.
That and dealing with other aspects of our business, we really respond to kindness. I think that transcends religion, it transcends different points of view.
Kris: In what way?
Both my parents really encouraged us to engage with people of other cultures, even around food. She said, “You know, one way that you can just create harmony with others is to enjoy their food.”
Kris: So did I get a ray of hope? What did I get there?
We can’t just print money to get out of this problem. That’s what Obama is going to do, and that’s what Bernanke is going to do, and that’s what Paulson is doing. It doesn’t solve the problem. Throughout history, every government that’s printed money, the money has eventually gone to its ultimate value which is zero. Remember? The confederate dollar went to zero. The continental went to zero.
Tenzin: I just kept checking and looking at what I wanted in life and what I wanted to study. I became very excited with the Buddhist teachings. Now that I’ve been a monastic for almost twenty-four years, and been called upon to teach more and more, I can’t just hide in that. I can’t hide in not teaching. So, it’s been a real stretch in putting myself out there, learning a lot; working as the chaplain at the Air Force Academy when I was in Colorado.
I said, “Look. I’d be willing to share with you what I know.” My sister has a very valuable gift to give and a very powerful message being a Western Buddhist nun.
Kris: Well, you could if you want a lively discussion.
So, I had to be a closet capitalist in my house and learn how to make money in spite of what my parents thought of me.
Kris: I can only imagine what that must have been like. How was it having a brother that you knew was so wealthy?
Kris: Yes, we deal with a lot of that on New American Health, where the different ideas about health are just incredible.
With people wanting the government or pension plans or God to give us money, we’ve really got to change our view. It’s a wake-up call, but it’s also a slow process, because I’ve been habituated to think a certain way. It’s really wonderful to change who I hang out with, too.
Tenzin: When I had the heart disease, in particular.
Tenzin: Yes. Robert’s taught me a lot about. If I only think on this small level, then it’s true, I can only help one person individually. In expanding my gift, I can share so much more of all that I’ve been learning. This way, too, [is] really about balancing our lives and looking at personal balance sheets in our life.
I just was broadsided when I was diagnosed with cancer and later with heart disease; particularly with heart disease because my insurance didn’t want to cover most of my bill. My out-of-pocket expenses were huge and this is one reason why Robert and I began looking at this condition. It doesn’t affect just myself. Really looking at the baby boomers who are aging and how we’re all getting older, life is getting on and our health bills are only going to increase.
Kris: So what can you tell people that are struggling? There’s lots of people out there now that are struggling with their health. They’re struggling with financial challenges. What can you offer them?
Tenzin, can you talk to us a little bit about that?
Kris: That would be a challenge, I would imagine.
The companies that are firing their employees: the reason is that they didn’t ephemeralize. They’re not demanding that the company produce more for less. So in my company, we’ve paid bonuses this year, we give them time off. The reason is, as the owner of the company, I’m always focusing on how my company can do more for less. And it’s one of the principles of the world.
Kris: And now, what is your experience with cancer; the medical bills, and having to ask Robert for help with the financial part of that? Have you learned a lot about the medical system in this country through your experience?
I’m not a Republican or a Democrat, but this guy, George Bush, has just put us so greatly into debt; now Obama’s going to make it even worse. So, it’s basically highway robbery, and I think it’s a tragedy.
Now how do you explain that, coming from the same family? How did you turn out with such different views of the world?
Tenzin: Right.
Kris: It’s such an important part, helping people in the world [so] they feel that there’s some kindness out there for them.
Kris: So your life has a lot more meaning than when you started out, it sounds like.
Kris: Tenzin, what is your interpretation of that quote?
Robert: What was happening was, I was writing checks. I bought her a home and all this, but it goes against my total belief. I don’t believe in giving people money. In Sunday school [you learn] that if you teach a man to fish, you feed him for life; but you give him a fish, you feed him for a day. So to sit here and just write checks . . ..
Kris: That’s very helpful, I think, too. A lot of people get tough on themselves and it doesn’t help their situation.
Tenzin: I see, for myself, that I have been steeped in it, for a long, long time. To begin to help myself, I have to start looking differently. Going back to work at age sixty was one thing. Getting a better health care plan was another. Writing this book was a huge stretch from my familiar, safe, secure world into something of being with the public and sharing my story; hoping that it will help others wake up as well.
Author's Bio:
It’s really challenging myself to look at meaning continually.
Kris: So the difficulty was a gift.
Robert: Well, the purpose of this book is to answer the questions: what am I here on earth to do? Am I living the life I was born to lead? What’s my purpose in life? [That is] the same question that Bucky Fuller asked me back in 1981. What’s your purpose on earth?
Robert: I did it personally, because my sister has taught me a lot about being kinder. That was her saying, “Religion is kindness.” And I think we could all use a little bit more of that.
Kris: What else can you tell us about Rich Brother, Rich Sister?
When I became a nun, I didn’t sign up for a pension plan as a monastic. Somehow I was just ignoring the side of taking care of the financial needs; so I’m learning a lot from Robert. We came up with this idea of the book so that it could help balance this polarized view. If you don’t pay attention to one side of the balance sheet, it’s going to go out of balance.
I said, “I will teach you what I know,[link widoczny dla zalogowanych], but you’ve got to play the rules of my game: capital.” That was how we came up with this. I said, “I’m not going to sit here and just keep writing checks. I’m not God [and] I’m not the government.” It goes against everything I believe in. I want to teach people to fish, and that’s what I’m doing with my sister.
I’ve been realizing that there’s so many people, not only in my own community, but people in general, who think that the government is going to take care of them. Or finding jobs that are just going to give them a good pension. What’s happening with our economy today is that it may not be able to follow through and take care of a padded life for the rest of your life.
Kris: Yes, that is a big question. You are talking about the churches . . .
Unfortunately, it’s going to wipe [out those] people who are not prepared. I hate to say this, but we might be cruising for another depression, and that’s frightening. I think that it is a tragedy.
Robert: Well, I don’t see it as good or bad. With this bad economy, I’m making more money than ever before because I’ve trained my mind to do that; going back again to the quote that you have to have two points of view. So I have two different strategies. In a bad economy I’m playing the markets one way; in a good economy, I play another way. So I’m always making money, but that’s what I was trained to do, so I don’t really see it as bad.
Kris: Robert?
Kris: And there’s a lot of us out there, so there’s a lot of opportunity, right?
Tenzin: Yes. Well, I can tell my side on how the book came about for me, too.
So, Robert,[link widoczny dla zalogowanych], I wanted to ask you, a little bit, about what that quote means to you.
Tenzin: I hope that they, too, can look at taking stock of their life now [and] noticing, because we become very passive and reticent in our lives; and to see that they are challenging themselves today and are always looking to see. Even though I became a nun and I took my leap of faith some time ago, it’s something that you need to keep checking in on, because I can still be lacking intensity or being a couch potato in my own life and just accepting it as it is.
Robert: I don’t think it’s a difficult time. I just think it’s a changing time. Change with it is the most exciting thing you can do. So, it’s all perception.
That’s what he gave to me. Finally, back in 1984, after three years of studying him, I said, “I’m going to find out what my life’s purpose is.” That’s what Rich Brother, Rich Sister is about, because in 1985, my wife Kim and I took a leap of faith, and instead of just making money for me, I wanted to find out what I was supposed to do with my life.
Robert: I think you’ll understand it when you look at the iPhone. [When the iPhone] came out, it was “x” dollars, and immediately the price went down, performance goes up. Two hundred years ago, we had to walk or ride a horse. Now we climb on a plane and fly. Now we can go on the Web.
Robert: Well, Bucky Fuller is considered one of the most accomplished Americans in history. He has [numerous] patents [under] his name. Harvard considers him one of their greatest graduates. American Institute of Architecture considers him the greatest architect.
The book is about really seeking your purpose in life. I think once you find that, that’s the spirit coming out. I would not be well-known if I had just used my gift to make money for me. The moment I started to teach others—you teach people to fish—I think that’s why my book Rich Dad, Poor Dad became an international bestseller, and things like this. I was simply giving my gift, and my sister is simply sharing her gift which is her knowledge of the Buddhist philosophy.
Kris: That’s a fascinating concept. Somehow it almost seems Buddhist, to me. I don’t know why.
Kris: Right.
That’s why, in 1985, I had to figure out how to give before I received. The more I focus on giving, for less and less, the more and more I make.
Robert: There is more opportunity now at easier and better prices than ever before. I have businesses in probably fifty countries throughout the world and it’s never been easier to do business throughout the world. Never. I don’t know what people are complaining about.
Tenzin: And I’m learning that praying and meditating isn’t going to pay my bills.
I just think that’s one of the biggest tragedies of our time, right now. This government, this last few years, last fifty years, is going to wipe out many, many people. Terrible.
Tenzin: One thing that the Dalai Lama says, which I think is really beautiful, is that in order to develop compassion for others, you have to have compassion for yourself. You must start there. And I think that’s a really beautiful example because sometimes we forget about ourselves; or sometimes we only think about ourselves and forget about others. We just become too selfish.
That’s a lot of what this book is about, the leap of faith to find out what your purpose in life is. I’m actually a lot happier because I work as a teacher, now; more than just a capitalist making money for myself.
Robert: I have the wherewithal, the money to—I don’t need the insurance. I have insurance. But what I spend my money on is health. I don’t like medicine. If I could stay away from—you know, there’s an old Irish proverb that goes, “If I knew where I was going to die, I wouldn’t go there.” I suspect I’m going to die in a hospital, so every time I go past one, I drive really quickly to get away from those things.
Regarding women—because Buddhism and Buddhist monasticism can be very patriarchal in its way, too—he says women need to take every opportunity they can, and [not] let others hold them back. This is your opportunity. So I feel, as a Western monastic particularly,[link widoczny dla zalogowanych], I don’t have to be riveted down by old, traditional mores. Truly the Dalai Lama has expressed that in his own life, too.
Robert: Well, I think it’s a tragedy that we’ve mismanaged our economy so horribly. It is my favorite subject. The problem is, in my opinion, the relationship between the Federal Reserve Bank and the U.S. Treasury, and their ability to create money out of thin air. That’s going to bring down this great country.
I think what he was trying to say to me, was what my parents were trying to say to me, was what, I think, war was teaching me. It was to maybe make a change of direction on my life.
I said, “I know how to make money. That’s what I know. Not too many people know that, that well.” I just started to give what I was given and that’s when my life turned around. The same [with] my sister: to take the leap of faith in 1985 and to go from what I call an ordinary, private citizen to all of a sudden this nun with a shaved head and robes and all this; that is a leap of faith.
You look at the auto workers in Detroit. They just can’t keep asking for more money and more benefits; but neither can the government workers [who] keep asking for more money and more benefits without producing more. Capitalism is about producing a better product at a better price. As individuals, we have to keep producing better products at a better price, also, or we’re obsolete.
Possibly that’s what makes me an entrepreneur. I thrive on the adrenaline of excitement and danger. I just cannot stand boredom on the other side of it. I’ve really had to, in writing this book, make a tremendous change of heart, especially as I get older. I couldn’t just keep up my normal ways. I just grew up that way. I don’t know why, because my parents were not that way.
Tenzin: I think that a big reason why we struck out [in] different ways is the attitude of our parents to just try what we wanted. They did not impose upon us very strict regiments of how they wanted us to be. We took full advantage of that and really struck out on our own,[link widoczny dla zalogowanych].
But people see it as bad. That’s why I think it was appropriate [when you] asked me that opening question about [the] quote I chose for this book. [It is] the ability to see two opposing points of view and operate sanely between them. That’s what intelligence is.
As I grow older I’m finding it’s something I definitely need to put focus on, thought and practice. Kindness actually comes from the heart, so it’s really stretching inside of me.
. . . financial education, and that’s when I made my change with Dr. Fuller, back in 1985, is I’m going to start teaching what my rich dad taught me about money. Sometimes your own family won’t listen to you. I’m glad my sister started to listen to me about money and the importance of it. Being raised in a Christian family, it was the love of money is the root of all evil and yada, yada, yada.
Robert: I’m writing a book called Rich Health and it’s East[ern] and West[ern] medicine coming out. My cardiologist started out as an acupuncturist and now he’s a heart transplant surgeon for Mayo. Without him, I don’t know if I could have survived. I went through open heart surgery because I was born with a heart defect. Because of him, I came through the operation in flying colors.
Robert: Oh, it was extremely challenging. My mom and dad were with the Peace Corps and I go in the Marine Corps. But they were also socialists and my rich dad was a capitalist. That’s why I put in the front of the book that you have to have two points of view and see both points of view. I can see being kind to people, but I don’t think giving them money solves the problem. I think it makes the problem worse and it prolongs the ultimate, inevitable end anyway.
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Prosecution officials are studying the coalition's plan to see to what extent it violates the law. Lee Tae-ho, coordinator for the coalition, said that they would still campaign against any person on the submitted lists who runs as a candidate.

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,[link widoczny dla zalogowanych]
But what about the specific use of the term write off debt when it applies specifically to that huge pile of money that you owe,[link widoczny dla zalogowanych]? What happens when credit card companies write off debt is that they report to the government any money that they have not managed to collect from creditors. This is written off as lost income.
However, if you find yourself having to deal with more debt than you can actually handle, determine if the advantages far outweigh the disadvantages of having your debts written off – and make a decision from there. Always seek advice form a reputable company. Either a recognised debt settlement practitioner in the US or a good debt management company in the UK. It is best to follow recommendations and apply to several companies before making any decisions.
The systems that we can use in order to write off debts differ between the UK and the US. For US residents,[link widoczny dla zalogowanych], creditors opt for debt settlement arrangements while those in the UK take advantage of IVA or the Individual Voluntary Arrangement.
So how would you know if deciding to write off debt is the best decision for you? First,[link widoczny dla zalogowanych], keep in mind the pros and cons of having your debts written off. Before you decide to stop making regular payments, try to settle your debts with your credit card company first. This may help preserve your credit score and allow you to repay some or all of your debts.
The only real disadvantage is that your credit rating will be negatively affected,[link widoczny dla zalogowanych].
All your debts can be combined into a single,[link widoczny dla zalogowanych], manageable monthly payment. No taxes will get charged on your credit card balance. It is a way of dealing with debt without having to declare personal bankruptcy. You don't have to pay additional late charges and fees and you can live a financially stress and anxiety-free life and stop getting harassed by your creditors.
In accounting,[link widoczny dla zalogowanych], the term to write off means that an asset is being recognized as having a reduced or zero value. Write off in income tax statements means that taxable income can be reduced as a recognition of certain expenses required to produce the income.
Let's say that for six months you have been unable to make payments for your credit card bill. The credit card company will turn over your delinquent account to a collection agency. As you may already know,[link widoczny dla zalogowanych], having an account turned over to a collections firm will negatively impact your credit and finances in general – so having your debts written off by defaulting on your payments should be a last resort.
By K D Garrow
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Next,[link widoczny dla zalogowanych], let us delve a bit deeper into the topic by enumerating the pros and cons of having your debts written off. First let us look at the advantages.
Author&#039,[link widoczny dla zalogowanych];s Bio:&nbsp,[link widoczny dla zalogowanych];
The IVA is a legally binding agreement between a person in debt and an unsecured creditor. What it does is allow you to pay off your debt within a reasonable time,[link widoczny dla zalogowanych], without your having to be forced to sell your property. On the other hand, debt settlement arrangements in the US work similarly, where you will not be forced to file for bankruptcy but your credit will be negatively affected.
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Prosecution officials are studying the coalition's plan to see to what extent it violates the law. Lee Tae-ho, coordinator for the coalition, said that they would still campaign against any person on the submitted lists who runs as a candidate.

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As a friend of mine in HR said,[link widoczny dla zalogowanych], ‘putting procedures in place and training your supervisors on them could save you some big unemployment claim dollars down the road’. Long story short, think and act now, don’t pay later.
By Tom Stables
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That’s the key. Employment at will allows most employees to be terminated essentially without cause. Not paying unemployment compensation almost categorically requires that the employee was terminated for cause and you can prove it. So often, employers think they can terminate for any reason or no reason, until an employee files an unemployment claim and their former employer gets the TWC questionnaire … Then the employer tries to backtrack, recreate history, etc. simply because they didn’t follow their own policies as far as documenting poor performance,[link widoczny dla zalogowanych], poor attendance and so on.
The bottom line is … put your policy and procedure “ducks in a row”. Develop your Employee Handbook, your Supervisors Manual, train your employees and supervisors. (One of the most important things you can put in these manuals is a re-statement of the employment at will doctrine) Ensure that your supervisors understand the importance of documenting employee issues and policy infractions. It is also a good idea to become well-acquainted with the TWC’s website. It has numerous resources for employers (and employees) that are very worthwhile, especially the item entitled “Appeals Policy & Precedent Manual”.
However, in those employment situations when employment at will does apply, which is the vast majority, it becomes interesting because it is a legal concept and does not define operational policies and procedures which impact unemployment claims. From a practical standpoint, a company of just about any age or size should have formal policies and procedures that define employee-related practices. These can be in the form of an employee handbook or a supervisors manual,[link widoczny dla zalogowanych], or both. Basically, these items should define everything that impacts employment with the company – from hire … to fire. I use the word “everything” loosely because something new will always come up.
Author's Bio:
You now pull the employee’s personnel file. The employee is a 52 year old high performing minority female who has been with the company for seven years. Any red flags there? Well, yeah …, aged 42 (protected class), high performing, minority (protected class) and maybe the female part. Here’s when you have to keep the exceptions to employment at will in mind (e.g. statutory), but you don’t let them stop you from doing what is right. In other words, if the employee was terminated because she was late so often, warned, but didn’t do anything about it and she was treated like others with the same problem, you’re going in the right direction. If any of that other stuff (i.e., protected classes …) came into it,[link widoczny dla zalogowanych], you’ve got a problem.
In my experience, supervisors and managers generally make a good faith effort to document issues with employees. You know, lates to work, excessive absences,[link widoczny dla zalogowanych], poor performance, etc. But let’s face it, most supervisors and managers are focused on getting some form of production “out the door”. Their livelihood and the company’s depends on it. So at the eleventh hour (i.e. the employee is about to be terminated or has just been terminated), you (i.e., HR or higher level managers) get a call from the manager asking for help.
The employment at will doctrine states that any hiring is presumed to be "at will” which means that the employer is free to terminate individuals "for good reason, bad reason,[link widoczny dla zalogowanych], or no reason at all,[link widoczny dla zalogowanych]," and the employee is equally free to quit, strike, or otherwise cease work. In Texas, there are exceptions such as public policy (e.g. serving on jury duty) and statutory (e.g. refusing to commit illegal acts). Statutory exceptions also include the federal anti-discriminatory laws (i.e., age, gender,[link widoczny dla zalogowanych], national origin, race,[link widoczny dla zalogowanych], etc.) that started to be implemented in the mid-60s. It should also be mentioned that an employer, even in employment at will states, must follow his own policies and procedures when it comes to terminations. Of course, collective bargaining and other types of employment agreements can abrogate the employment at will status in specific employment situations.
One of the most challenging aspects of working in employment in an “at will” state like Texas, especially in a company with numerous locations (i.e.,[link widoczny dla zalogowanych], numerous managers who hire and fire), is dealing with unemployment compensation claims.
Here’s how it goes: You ask why the person was terminated – lates to work. You’re ok there. It states clearly in your Employee Handbook excessive lates are grounds for termination. You ask if the person was given any warnings – yes. You’re ok there. You ask if the warnings were written – no. That may be a problem. The Employee Handbook says progressive discipline,[link widoczny dla zalogowanych], including written warnings,[link widoczny dla zalogowanych], will be used unless the infraction(s) is egregious. You ask if other employees have been terminated in this same department for the same or similar level of infraction – yes. That is good. You request a write up of the termination interview and any documentation related to the lates to work. (Sometimes this information will have to be created post-termination …)
The terminated employee goes to the Texas Workforce Commission (TWC) and files an unemployment claim. The TWC takes a very simple-minded approach to investigating unemployment claims. If at all possible, they are going to pay the terminated employee’s claim unless that individual quit the job. (… and in some cases they will pay even when the employee quits …) To avoid paying unemployment claims, you should follow your policies, have good written documentation leading up to the termination, and terminations should be based on some form of policy infraction (i.e. misconduct) and/or poor performance. Short of these things, they are likely to pay your former employee’s claim.
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Prosecution officials are studying the coalition's plan to see to what extent it violates the law. Lee Tae-ho, coordinator for the coalition, said that they would still campaign against any person on the submitted lists who runs as a candidate.

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With all of the news of marriages failing,[link widoczny dla zalogowanych], you might be worried about your own marriage. Couples sometimes do not get along and in every marriage there are highs and lows. If you are either already married and wondering about the fate of your marriage or are wondering how to keep a marriage together in general,[link widoczny dla zalogowanych], here are some ways to stop divorce and to keep your marriage intact.
Make It Work
Before you even get married, take the option of divorce completely off of the table. When you go into marriage and you say your vows,[link widoczny dla zalogowanych], do not go into it thinking that if it does not work out you can simply get a divorce. That is a defeatist attitude and is no way to stop divorce. If you want to stop divorce and make sure that your marriage stays together,[link widoczny dla zalogowanych], one great step towards that is to simply not think that divorce is an option. When you get married, you need to know that this is the person you want to spend the rest of your life with. There should be no maybes or doubts in your mind. If you know that this is what you want forever, it will help to stop the idea of divorce from entering your head.
Take It Off The Table
One of the best ways to stop divorce is to communicate with your partner. If you cannot talk to your spouse,[link widoczny dla zalogowanych], then the chance of divorce skyrockets. You need to be able to talk to your spouse about everything. For example,[link widoczny dla zalogowanych], if you cannot talk to your spouse about sex, you might think that is no big deal. But honestly,[link widoczny dla zalogowanych], it is. Sex is a crucial part of marriage and if you cannot talk to your spouse about it,[link widoczny dla zalogowanych], then conflicts can easily arise. The same is true for any aspect of life,[link widoczny dla zalogowanych], from finances to children. Communication is the key to having your marriage run smoothly and is one of the best ways to stop divorce.
Aside from the other ways to stop divorce,[link widoczny dla zalogowanych], you have to be set on making it work. If you will do anything to save your marriage,[link widoczny dla zalogowanych], chances are it will not fail. Do not be too proud to go to counseling or find other ways to help save your marriage. If you are willing to work,[link widoczny dla zalogowanych], your marriage has a much better chance of survival.
Communication is Key
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Xiamen Net - Xiamen evening news yesterday is the seventeenth World Book Day, in order to understand the students' reading situation, a questionnaire survey was conducted in 100 college students.

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after the military training,[link widoczny dla zalogowanych], he Bo to university courses,[link widoczny dla zalogowanych], then learning tasks and take care of the little Jingjing burden will be heavier,[link widoczny dla zalogowanych], he Bo also believe that through their own efforts, the future will also have a sister school.
Qilu network August 28th news He Bo this independent spirit of confidence, let us be moved. Not only the teacher with her praise,[link widoczny dla zalogowanych], classmates and friends also expressed their views on this strong girl.
since he Bo came to the school, teachers and students with the help of He Bo to feel the warmth of home,[link widoczny dla zalogowanych], she want to use their own practical action to thank those who had helped her. We hope he Bo and her sister can have a good start,[link widoczny dla zalogowanych], hope,[link widoczny dla zalogowanych], loving friends can help.
Henan girl with a sister University (two) &nbsp,[link widoczny dla zalogowanych]; source: Shandong TV [People's livelihood train]
ho Bo will give her homework in military training before,[link widoczny dla zalogowanych], so when the military, small Jingjing in addition to in the playground playing,[link widoczny dla zalogowanych], will write their own work in the dormitory. He Bo don't want sister put learning down,[link widoczny dla zalogowanych], and began to examine her homework and guide Jingjing military free back learning.
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Japanese news media reported Friday that Korea's five largest business conglomerates, Hyundai, Samsung, Daewoo, LG and SK, all plan to increase their paid-in capital by more than W15 trillion in total this year.

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North Korea has the capability to conduct a third nuclear test within two weeks,[link widoczny dla zalogowanych], U.S. nuclear experts claimed Monday. "North Korea appears to have an underground tunnel ready for testing,[link widoczny dla zalogowanych]," write Siegfried Hecker,[link widoczny dla zalogowanych], the director of the Center for International Security and Cooperation at Stanford University, and Frank Pabian, a senior nonproliferation analyst at the Los Alamos National Laboratory,[link widoczny dla zalogowanych], a the Bulletin of the Atomic Scientists.
"Commercial satellite imagery shows a recently excavated 'south portal' for a tunnel in Punggye-ri,[link widoczny dla zalogowanych], situated very close to the tunnels for the first two tests" in 2006 and 2009, they add.
The two experts speculate the next bomb test will be based on highly enriched uranium,[link widoczny dla zalogowanych], "or multiple bombs will be tested simultaneously, using both [uranium] and plutonium." The North "has a very small plutonium stockpile, sufficient for only four to eight bombs," they say. "All the same, it appears that plutonium is a dead end for Pyongyang's nuclear arsenal because it shut down and has not restarted its five megawatt electric plutonium production reactor."
In November 2010,[link widoczny dla zalogowanych], Pyongyang invited Hecker and showed him a uranium enrichment facility with more than 1,000 centrifuges at Yongbyon in a bid to demonstrate its capability to develop uranium-based nuclear weapons.
But whether and when North Korea conducts another nuclear test “will depend on how high a political cost Pyongyang is willing to bear,[link widoczny dla zalogowanych]," the report says. "Beijing has continued to expand aid and trade with North Korea, but has also applied significant diplomatic pressure on Pyongyang not to test. Moscow recently forgave nearly $11 billion in North Korean debt,[link widoczny dla zalogowanych], signed a new border treaty, and is still in the game for building a gas pipeline going through the North to South Korea,[link widoczny dla zalogowanych], but Russia is also on record as opposing continued nuclear testing."
The North would therefore have to be ready to handle tensions with these two countries and further consequences,[link widoczny dla zalogowanych], it adds.
In April,[link widoczny dla zalogowanych], when rumors of an impending test first surfaced, the North Korean Foreign Ministry said the country had "no plans to conduct a nuclear test." But the regime hinted at resuming nuclear testing last month when it said, "Circumstances compel us to review the nuclear issue in a wholesale way" in the wake of an alleged foreign plot to destroy statues of regime founder Kim Il-sung.
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Koreans must have been born to parents who stayed abroad more than six months studying or working for Korean companies to be given dual citizenship, according to new citizenship guidelines released by the Justice Ministry on Sunday.