WISE THINGS TO DO WITH YOUR MONEY (PART 1)
Excerpts From "The Rhythm Rap Method"

WHY YOU MUST DO WISE THINGS WITH YOUR MONEY

MANY OF YOU HAVE BEEN LED TO BELIEVE THAT PEOPLE WITH MONEY ALWAYS SPEND IT
ON ALL OF THE FINER THINGS IN LIFE. THE BIGGEST HOMES, THE FANCIEST CARS AND
THE MOST EXPENSIVE JEWELRY. BUT TRUTH BE TOLD, WHAT MAY SEEM TO BE, IS ALMOST ALWAYS
THE EXACT OPPOSITE OF WHAT IT APPEARS TO BE. CASE IN POINT, DURING MY CHILDHOOD
I WAS AMAZED BY MAGICIANS, PEOPLE WHO I THOUGHT ACTUALLY HAD MAGICAL POWERS.
POWERS THAT ENABLED THEM TO MAKE THINGS APPEAR AND DISAPPEAR RIGHT BEFORE YOUR EYES.
HOWEVER, AS TIME WENT ON I CAME TO KNOW AND UNDERSTAND THAT I HAD BEEN SUBJECTED
TO AN ILLUSION. WHEREAS, THE HAND WAS JUST MORE QUICKER THAN THE EYE.
NOWADAYS, MANY OF YOU HAVE BEEN SUBJECTED TO MANY ILLUSIONS AS WELL.
THROUGH THE VIEWING OF CERTAIN TELEVISION SHOWS AND THE READING OF CERTAIN MAGAZINES
MANY OF YOU HAVE DEVELOPED A VERY UNREALISTIC PLAN FOR SUCCESS.
THESE AFOREMENTIONED TELEVISION SHOWS AND MAGAZINES HAVE LAID OUT A BLUEPRINT
THAT WHICH HAS PROGRAMMED YOU AS TO HOW YOU ARE TO SPEND YOUR HARD EARNED MONIES,
WHERE TO SPEND IT AND WHO TO GIVE YOUR MONEY TO. THEY HAVE LED YOU TO BELIEVE
THAT IF YOU DO NOT EAT AT A CERTAIN SPOT, DRINK A CERTAIN DRINK
OR WEAR A CERTAIN ARTICLE OF CLOTHING---THEN YOU ARE NOT IN THE LOOP.
THE PROBLEM WITH THIS SCENARIO IS THAT WHILE SO MANY SHOWS AND PERIODICALS
SHOW YOU HOW TO SPEND IT, THERE ARE NOT REALLY MANY THAT SHOW YOU
HOW TO EARN AND MAINTAIN THAT ALMIGHTY DOLLAR. THUS, WE ARE LEFT WITH A MAJOR GAP
BETWEEN THE ECONOMIC CLASSES. WHILE MANY HAVE LED YOU TO BELIEVE
THAT THERE ARE THREE ECONOMIC CLASSES WITHIN OUR SOCIETY, I AM HERE TO TELL YOU
THAT THERE ARE ACTUALLY FOUR. THAT BEING THE POOR, THE FINANCIALLY UNEDUCATED,
THE MIDDLE CLASS AND THE UPPER CLASS AT THE TOP OF THE TOTEM POLE.
NOW, MANY WOULD HAVE YOU TO BELIEVE THAT YOU ARE BORN INTO ONE OF THESE
AFOREMENTIONED CLASSES AND MANDATED TO REMAIN THERE FOR THE REST OF YOUR LIFE.
HOWEVER, THIS IS AS FAR FROM THE TRUTH AS THE SUN IS FROM THE PLANET EARTH (APPROX. 93 MILLION MILES).
IF IT IS YOUR TRUE DESIRE TO MOVE WITHIN THESE CLASSES
YOU MUST FIRST UNDERSTAND WHAT EACH CLASS CONSISTS OF.

THE UPPER CLASS

THEY ARE THE ONES WHO WHICH HAVE ASCERTAINED THE FINANCIAL EDUCATION NECESSARY FOR SUCCESS.
BE IT THROUGH THEIR HERITAGE, BEING PREPARED WHEN OPPORTUNITY KNOCKED, AND/OR BY MAKING THE RIGHT MOVES AT THE RIGHT TIME. THESE ARE THE ONES THAT YOU MUST STUDY VERY CLOSELY
IF SUCCESS IS REALLY YOUR GOAL. NOW I KNOW THAT SOME OF YOU MIGHT DISAGREE WITH ME,
AS MANY OF YOU MIGHT SAY THAT THEY WERE BORN INTO MONEY. HOWEVER, IN MY DEFENSE LET ME STATE THAT HAVING A RICH GRANDFATHER OR FATHER WHO WHICH HAS PASSED DOWN
THE FAMILY BUSINESS TO YOU WILL NOT GUARANTEE THAT YOUR LIFE WILL BE A BED OF ROSES.
LET ME MAKE IT CLEAR THAT IT IS THE CHILD OF WELL TO DO PARENTS THAT WHICH LISTENS AND LEARNS
FROM THAT PARENT--THAT WILL GO ON TO CONTINUE TO ENJOY THE FINER THINGS IN LIFE.

EXAMPLE: IF THE SONS OF THE FOUNDERS OF GENERAL ELECTRIC HAD NOT HEEDED WHAT
THEIR PARENTS HAD TAUGHT THEM, THEN CHANCES ARE THAT THEY WOULD BE ON
THE FREE CHEESE LINE IN THE HOOD. KEEP IN MIND THAT AS HARD AS IT IS TO MAKE MONEY,
IT IS ABOUT A MILLION TIMES HARDER TO MAINTAIN WHAT YOU HAVE ASCERTAINED.
THUS, IF YOU WERE BORN INTO A LESS FORTUNATE FAMILY WITH
A PARENT THAT IS ALWAYS TELLING YOU TO DO THIS AND NOT DO THAT. AND FOR ONE REASON
OR THE OTHER YOU CHOOSE NOT TO TAKE HEED, THEN INSTEAD OF GOING FORWARD
FROM THE POINT IN WHICH YOUR PARENTS LEFT OFF ---
YOU HAVE TO START FROM THE BEGINNING, BACK WHERE THEY STARTED FROM.
YOU FEEL ME ?

THE MIDDLE CLASS

THEY ARE THE ONES WHO WHICH HAVE FOUND A SUCCESSFUL FORMULA TO ASCERTAIN
THE NECESSITIES IN LIFE WITH THE ABILITY TO AFFORD SOME OF THE FINER THINGS AS WELL.
THEY HAVE WORKED HARD ALL OF THEIR LIVES WITH A SPECIFIC GOAL IN MIND
WITHOUT PERMITTING ANY DISTRACTIONS TO STEER THEM IN THE WRONG DIRECTION.
MANY OF THEM MAY HAVE BEEN BORN INTO A LOWER CLASS, BUT THROUGH FINANCIAL EDUCATION, DETERMINATION AND FOCUS, THEY HAVE MANAGED TO RAISE THEMSELVES AND THEIR LOVED ONES
TO A MUCH MORE COMFORTABLE LEVEL. THEY MUST BE RESPECTED FOR ALL OF THEIR ACHIEVEMENTS.
THEY ALSO MUST BE STUDIED VERY CLOSELY IF SUCCESS IS REALLY YOUR GOAL.

THE FINANCIALLY UNEDUCATED

THEY ARE THE FORGOTTEN ONES WHO MANY A TIME ARE CONFUSED WITH THE POOR.
I SAY THIS BECAUSE UNLIKE THE POOR WHO WHICH ACTUALLY DO NOT HAVE THE MEANS
TO MEET THEIR NECESSITIES, THEY HAVE ASCERTAINED SOME MONEY BUT JUST HAVE NOT BEEN
ABLE TO DO THE RIGHT THINGS WITH THEIR MONEY. YOU MAY SEE THEM AT ANT GIVEN TIME
WITHIN ANY GIVEN NEIGHBORHOOD. THEY ARE FAMOUS FOR SPENDING MONEY
LIKE IT WAS WATER RUNNING THROUGH THEIR HANDS. THEY PURCHASE THE MOST EXPENSIVE FOOTWEAR
AND CLOTHING, EAT AT SOME OF THE MOST EXPENSIVE RESTAURANTS AND
DRIVE SOME PRETTY EXPENSIVE CARS AS WELL. THEN AT THE END OF THE DAY THEY RETURN
TO REALITY AND GO HOME TO AN EXISTENCE OF OVER DUE BILLS, BROKEN DREAMS AND UNHAPPY LIVES.
MANY OF THEM WERE BORN INTO THE POOR CLASS, THEN SOMEHOW MANAGED
TO GET THEIR HANDS ON SOME MONEY HERE AND THERE. BUT THEN THEY WENT ON
TO DO UNPRODUCTIVE THINGS WITH THEIR MONEY. A MISTAKE THAT WILL GO NO
TO HAUNT THEM UNTIL SUCH TIME THAT THEY WAKE UP AND SMELL THE COFFEE.
THEY DON'T HAVE TO DRINK IT, JUST SMELL THE COFFEE.
IF SOMEONE COULD JUST GET THROUGH TO THEM AND MAKE THEM UNDERSTAND
HOW TO USE THEIR FINANCES IN A MORE PRODUCTIVE MANNER
THEY COULD EASILY BECOME THE MIDDLE CLASS TOMORROW AND MAYBE,
JUST MAYBE THE UPPER CLASS SOMEDAY. WITH THE RIGHT EDUCATION THE POSSIBILITIES ARE ENDLESS.
THEY ARE THE ONES THAT SHOULD STUDY THE UPPER AND MIDDLE CLASS VERY CLOSELY
IF THEY TRULY WANT TO ACHIEVE SUCCESS WITHIN THEIR LIFETIME.

WISE THINGS TO DO WITH YOUR MONEY (PART 1)
Excerpts From "The Rhythm Rap Method"

THE POOR CLASS

THEY ARE TRULY GOD'S PEOPLE. SOME OF THEM MAY LIVE WITHIN THE APPALACHIAN MOUNTAINS,
SOME OF THEM WITHIN OUR INNER CITIES. A GOOD MANY OF THEM WANT TO GET AHEAD IN LIFE
BUT JUST CAN'T SEEM TO DEVISE A FORMULA FOR SUCCESS. IT IS EASY FOR ONE WITHIN
THE OTHER CLASSES TO LOOK DOWN UPON THEM, BUT THE REAL CHALLENGE IN JUDGING
THE CALIBER OF YOURSELF WOULD BE TO REACH OUT TO THEM AND ATTEMPT TO SHOW THEM THE WAY.
YES, IT WOULD BE AN EXTREMELY HARD THING TO DO, DUE TO THE FACT
THAT THEIR ANCESTORS DID NOT HAVE A GAME PLAN TO PASS DOWN TO THEM.
THE UNDERLYING QUESTION HERE IS WHETHER OR NOT THEY ARE TO BLAME
FOR THEIR LACK OF FINANCIAL RESOURCES AND EDUCATION ?
I AM ALMOST CERTAIN THAT EVERYONE WOULD HAVE LOVED TO BE BORN INTO WEALTH AND SUCCESS.
BUT IN HIS DIVINE PLAN, THE CREATOR SOMEHOW SAW IT NECESSARY FOR US TO BE CAST
INTO DIFFERENT CLASSES. WAIT A MINUTE--WHO SAID THAT GOD WANTED IT TO BE THIS WAY ?
MAYBE MAN HIMSELF HAS CREATED THIS SITUATION WITH CLASS SYSTEMS.
AS THEY DO EXIST ALL OVER THE WORLD. WHAT I WILL SAY IS THAT IN MY TRAVELS
OUTSIDE OF THE USA I HAVE SEEN PEOPLE WITHIN THIS CLASS OPERATE
IN A MANNER VERY DIFFERENT FROM THOSE HERE IN AMERICA.
FOR INSTANCE, THERE ARE MANY COUNTRIES WHEREAS THE GOVERNMENT DOES NOT
REACH OUT TO THE POOR CLASS AS THEY DO HERE. THERE ARE NO FOOD STAMP PROGRAMS
TO PROVIDE FOOD FOR A FAMILY THAT IS ECONOMICALLY CHALLENGED.
AS SUCH, THE PEOPLE THERE KNOW AND UNDERSTAND THAT IF THEY DON'T GET BUSY IN THE MORNING
CHANCES ARE, THERE WILL BE NO FOOD IN THE EVENING.
THUS, THE PEOPLE THERE WHO WHICH DO NOT HAVE A JOB OR CAREER TAKE IT UPON THEMSELVES
TO GET UP EARLY IN THE MORNING AND GO OUT AND CREATE SOME FORM OF INCOME,
BE IT THROUGH THE SELLING OF FOOD SEASONINGS, PLANTS, FRUITS, ETC. ,
SO AS TO PROVIDE FOR THEIR LOVED ONES AND THEMSELVES.
THEN TAKE THAT SAME PERSON AND BRING HIM HERE TO AMERICA AND SOMETIMES
THEIR THOUGHT PATTERN WILL CHANGE. WHEREAS, THEY BEGAN TO COUNT ON SOMEONE ELSE
TO PROVIDE A HELPING HAND TO GET THEM THROUGH THE DAY.

NOW OF COURSE THERE WILL BE A TRANSITIONAL PERIOD IN WHICH
ONE MUST LEARN THE INS AND OUTS OF HOW OUR SYSTEM WORKS.
HOWEVER, ONCE ONE HAS GOTTEN PAST THAT TRANSITIONAL POINT,
THEY SHOULD GO FOR THE GUSTO.
THE POINT THAT I AM TRYING TO MAKE HERE
IS THAT WITH THE RIGHT EDUCATION
AND THE HEEDING OF THAT WISDOM BEING PROVIDED,
THE POSSIBILITIES ARE ENDLESS.
THUS, THE POOR MIGHT HAVE A DECENT CHANCE
TO BECOME FINANCIALLY EDUCATED,
THEN MOVING UP TO THE MIDDLE CLASS
AND MAYBE SOMEDAY THE UPPER CLASS AS WELL.
IF YOU FIND MY OBSERVATION TO BE UNFOUNDED, THEN MAYBE YOU SHOULD THINK ABOUT
BILL COSBY, OPRAH WINFREY, ARTURO MORENO AND DEBORAH ROSADO JUST TO NAME A FEW.
REGARDLESS OF WHAT OPINION YOU MAY HAVE OF THEM,
YOU MUST ADMIT THAT THEY ARE LIVING PROOF OF ONE BEING ABLE
TO OVERCOME THE OBSTACLES OF BEING BORN
INTO A LESS FORTUNATE CLASS AND RISING UP TO THE ELITE.
YOU MUST ALWAYS KEEP IN MIND THE FACT THAT SEVERAL WRONG MOVES,
OR SEVERAL CORRECT MOVES CAN CHANGE ANYONE OF OUR ECONOMIC SITUATIONS
WITHIN THE BLINK OF AN EYE.

A WISE OLD MAN ONCE TOLD ME THAT IF YOU SEE A HUNGRY MAN TODAY AND GIVE HIM SOMETHING TO EAT, THEN HE WILL EAT TODAY.
BUT, IF YOU SHOW HIM HOW TO PROVIDE FOR HIMSELF
THEN HE WILL EAT EACH AND EVERYDAY.

THUS, AS PREVIOUSLY STATED ON MY PERSONAL PAGE, THE FIRST STEP IN FINDING SUCCESS
IS KNOWING WHO YOU REALLY AND TRULY ARE. BY DOING SO, IT WILL BE EASIER TO UNDERSTAND
WHAT YOU HAVE TO DO. KNOW YOUR SHORT COMINGS AND YOUR STRONG POINTS AS WELL.
DEVISE A GAME PLAN THAT IS SUITED FOR YOU AND YOUR PRESENT ECONOMIC SITUATION.
NOT WHAT YOU WANT PEOPLE TO BELIEVE ABOUT YOUR SITUATION, BUT WHAT IT TRULY IS.
MOST IMPORTANTLY LEARN HOW TO USE ANY MONEY THAT YOU COME BY WISELY.
DON'T LET PEOPLE DICTATE HOW AND WHERE YOU SHOULD SPEND YOUR HARD EARNED MONEY.
YOU MUST LEARN TO USE YOUR MONEY WISELY AT ALL COST.

FOR EXAMPLE, IF YOU MAKE A MILLION DOLLARS AND PURCHASE A BIG CAR, A MANSION AND SOME JEWELRY, AND THINGS GO BAD SOME DAY AND YOU HAVE TO SELL THESE ITEMS
YOU MAY REST ASSURED THAT YOU WILL NOT GET WHAT YOU PAID
FOR THESE THINGS WHEN TIMES GET ROUGH.

HOWEVER, IF YOU WERE TO PURCHASE LET’S SAY A BUILDING WITH SEVERAL APARTMENTS TO RENT OUT, HISTORY HAS SHOWN THAT REAL ESTATE WILL ALMOST ALWAYS GAIN VALUE OVER TIME.
NOT TO MENTION THE MONIES TO BE RECEIVED FROM THE TENANTS WHO LIVE WITHIN YOUR BUILDING.
SO INSTEAD OF LOOKING BACK ON THE GOOD TIMES WHEN YOU WERE ROLLING HEAVY
YOU CAN LOOK AT WHAT YOU HAVE IN THE PRESENT AND SAY MAN I’M STILL ON A ROLL.

ALSO, IMPORTANT TO UNDERSTAND IS THAT IF YOU MAKE A MILLION DOLLARS,
THE BANK WILL ONLY GUARANTEE 100,000 OF YOUR MONEY WITHIN THE ACCOUNT THROUGH FDIC.
SO YOU WILL MOST DEFINITELY HAVE TO BECOME INVESTED WITHIN THE STOCK MARKET.
NOW I KNOW THAT FOR A LOT OF US THE STOCK MARKET IS LIKE SPEAKING ANOTHER LANGUAGE.
SO LET ME JUST GIVE YOU A QUICK FOUNDATION WHICH MAY SERVE AS A GUIDELINE
FOR YOU GETTING INTO THE MARKETS IN THE FUTURE.

INVESTMENT WORLD BREAKDOWN

STOCKS

WHEN YOU PURCHASE STOCKS WITHIN A COMPANY YOU BECOME AN OWNER OF THAT COMPANY.
NOW AS WITH ALL THINGS THERE IS A GOOD SIDE AND A BAD SIDE TO THIS.

GOOD SIDE

WHEN THE COMPANY HAS A GOOD YEAR YOU WILL HAVE A GOOD YEAR AS WELL WITH THE COMPANY SENDING YOU A DIVIDEND OR YOUR SHARE OF THE PROFITS AT CERTAIN TIMES OF THE YEAR.

BAD SIDE

IF THE COMPANY HAS A BAD YEAR OR GOES OUT OF BUSINESS
YOU AS AN OWNER WILL HAVE A BAD YEAR AND LOSE AS WELL.
NOW THIS MIGHT SOUND SOMEWHAT RISKY TO YOU. BUT THINK OF IT THIS WAY:
IF YOU GET CAUGHT CARRYING THAT PACKAGE FROM POINT A TO POINT B
YOU MIGHT END UP WITH 25 TO LIFE.
YOUR A BIG MAN NOW---YOU WEIGH THE DIFFERENCE.

CORPORATE BONDS

WHEN YOU PURCHASE A BOND YOU ACTUALLY BECOME A CREDITOR TO THE COMPANY.
IN THE SENSE THAT YOU ARE GIVING THEM A LOAN. FOR YOUR PURCHASING OF THIS BOND
THE COMPANY WILL HAVE A PROMISSORY NOTE MADE TO YOU IN WHICH THEY WILL PROMISE
TO PAY YOU INTEREST ON YOUR INVESTMENT AT CERTAIN TIMES OF THE YEAR AND THAT AT THE END
OF THE LOAN’S TERM THEY WILL PAY YOU BACK ALL OF YOUR MONEY.
NOW, IF THE COMPANY SHOULD FALL ON BAD TIMES, THAT WILL BASICALLY BE THEIR PROBLEM,
AS EVEN IF THEY HAVE TO SELL THE OFFICE FURNITURE AND COMPUTER,
THEY MUST GIVE YOUR MONEY BACK.

THE OBJECTIVE IN BOTH SCENARIOS IS TO INVEST IN A WORTH WHILE COMPANY
AS SUPPOSED TO SOME FLY BY NIGHT OPERATION. YES IT IS TRUE THAT YOU CAN PAY SOME GUY
TO WATCH OVER YOUR MONEY FOR YOU. BUT THE UNDERLYING QUESTION IS
WHILE HE IS WATCHING YOUR MONEY,
WHO IS WATCHING HIM?

MORE TO COME

JATHOM RECORDS & THE JATHOM FAMILY DISTRIBUTION GROUP
GIVING YOU SOMETHING TO HOLD ON TO
CAUSE WE UNDERSTAND WHAT YOU'VE BEEN GOING THROUGH

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