Take a look around your town at all the folks with nice houses, late model cars in nice neighborhoods. Things are O.K., right? On the ‘surface‘ they sure ’seem’ to be...  Look closer, read the papers, check the statistics:
• Foreclosures are at all time highs,
• Bank debt and credit card debt loads are higher per capita than they ever have been,
• Free time for personal or family endeavors is all but gone as mum and dad both work, work, work just to keep up…
• Savings and investment rates are declining rapidly, or are non-existent for many,
• 40% of the population in the U.S. can’t even qualify for a bank account due to credit problems, not to mention people in the Philippines.
• Corporations are laying off by the tens of thousands due to economic conditions, or are moving to cheaper labor offshore. 

You get my point....

Financial security is not easy to come by and things won’t be changing for the better anytime soon!  We are quickly becoming a bi-polar world of the ‘haves’ and the ‘have-nots’ as the comfortable middle class is fast disappearing.  Your neighbor might ‘look’ successful, but saddled with high debt, an uncertain job/future, and high levels of stress... is he / she really? 

How long would your lifestyle last if you lost your job tomorrow ? 
How has your investment and retirement fund done this past year, with your one-dimensional, single national market approach?
You have a choice...continue on the treadmill that you are running, and become a victim of world events, or Take the bull by the horns, take charge of your life, and create a plan for success and prosperity.  Large corporations are not only surviving, but thriving by taking advantage of the competitive international marketplace.  If they can do it, why not you? 

There are some simple elements required for you to have FREEDOM, SECURITY, and INDEPENDENCE.

1. You Must Own Your Own Business with Diversified Income Streams: Let’s face it, unless you are a highly paid corporate executive, entertainer or sports figure, you are unlikely to get ahead working for someone else. Even if you are well paid, how do you feel about your own level of long term security ?  Being the master of your own business income is essential, but this alone is not enough.  Many business owners are slaves to their business and that business may be tied 100% to a local market or a narrow market niche.  If that market niche or local market turns or dries up, so does the business and the investment !!  You need a mobile business that can be run anywhere, in any market worldwide, with multiple profit centers.  If one profit center dries up, you have a better chance of making up for it with the other profit centers.  Again, diversification is key !

2. You Must Be Debt Free !

3. You Must Have an Effective Tax Management Strategy: John D. Rockefeller had an interesting attitude. To paraphrase: “I’ll pay 10% of what I make, whether I owe it or not!” There are a couple of important points here, 
3.1) He knew how to structure his personal and business affairs so that he was not eaten alive by the taxman (you can bet, he often did not even owe the 10% he paid!)

3.2) He knew enough about business to be able to pay what he felt good about. Your wealth will accumulate exponentially faster when your tax bite is less. Learn how to pay what you owe...AND NO MORE! 

4. You Must Have an Asset Protection Plan for Estate Planning and Solid Business Management:  We live in a predatory world.  With lawsuits now the easy ticket to riches for unscrupulous plaintiffs and attorneys, with increasing zeal among tax collectors, bureaucrats and the courts in asset forfeiture cases, protecting what you have is just as important as making it in the first place!!  To avoid being one of the ‘have-nots’ and move more confidently into the ‘haves’ category, the above outline is essential in your planning. 

Let the RICA Millionaire Circle (RMC) helps you with this.  Our mission is to create freedom, independence and security in peoples’ lives.  We do this by empowering our friends and compatriots with the information, education, business tools, financial opportunities and professional support which will assist in creating and preserving personal strength and wealth, which are the central pillars to any lifestyle involving personal freedom and independence.

I encourage you to pursue freedom and independence in your life, and RICA is the place for you.

Founder of Rica International
Anthony Wu