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The following article is directly quoted from his video.

“The greatest shortcoming of human race is our inability to understand the exponential function.”

The exponential function is used to describe the size of anything that growing steadily, for example 5% per year.

We are talking about a situation where the time that is required for the growing quantity to increase by a fixed fraction is constant.

If it takes a fixed length of time to grow 5%, then it follows that it takes a longer fixed length of time to grow by 100%.

This longer time is called the doubling time.

We can calculated the doubling time:

T2 =   70 /  % growth per unit time

Thus, a growth rate of 5% per year has a doubling time of:

T2 =   70 / 5        =  14 years

T2 =   70 / 7%     =  70 / 7       =   10 years

The  cost of an all-day lift ticket at Colorado’s ticket:

Year 1963       $5

Year 1973       $10

Year 1983       $20

Year 1993       $40

Year 2003       $80

Year 2013       $160

Year 2023      $320

The growth in any doubling time is greater than the total of all the proceeding growth!

America depends on electricity. Our need for electricity actually doubles about every 10 or 12 years!

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The following article is provided by his website:  www.raymond-lo.com

Destiny Analysis is a profound system of individual fortune telling bases on birth data. The system is called FOUR PILLARS OF DESTINY as a person’s birth data normally contains four basic pieces of information - namely Year, Month, Day, Hour.In ancient Chinese cosmology, the Universe and everything within it is composed of five basic elements - Metal, Wood, Water, Fire and Earth.

The Chinese believe that these elements are the basic components of all matters in the Universe, including our lives and our destiny. These elements are not chaotic, they are constantly interacting with one another according to a Cycle of Birth and a Cycle of Destruction.

Take for example, Metal gives birth to Water, Water gives birth to Wood, Wood gives birth to Fire… and Metal destroys Wood, Wood destroys Earth, Earth stops Water, Water puts off Fire…These are regarded as the Order of the Universe.

Once there is an Order to everything, it is possible to forecast the future, as all matters, including human destiny, will have to follow the same Order.

To link up human fortune with the Universe, the Chinese has invented an ingenious system of calendar which not only express the passing of time but also able to reflect what kind of elemental influences are prevailing at a particular moment in time.

Hence, taking any point in time, Hour, Day, Month, Year, when translated into the Chinese calendar, we will be able to realise what elements will be acting at such point in time.

In other words, if we know the birth data of a person and express it in terms of Chinese calendar,we will get a bundle of elements which tells the composition of the destiny of such person. Take for example, the birth data of the famous Hollywood superstar Arnold Schwarzenegger can be expressed in the following manner:

The upper element on the day of birth represents the person himself and the other 7 elements symbolises his environment and the people in his life. Hence, we are able to see the composition of the destiny of this person and through analysing the inter-relationship amongst the 5 elements according to the Cycle of Birth and Cycle of Destructiion, we can read his destiny in detail - such as his personality, his potentials, his relationship with people, money aspects, marriage aspects, health aspects, ups and downs cycles in life etc.

The art of FOUR PILLARS OF DESTINY is a handy and profound tool in assisting us to understand the mysterious element of contingency and luck in our lives. It also helps us to understand ourselves and other people, provide deep insight to appreciate the nature of any problems that we are facing and is a very useful reference in decision making on basis of better understanding of appropriate timing in taking risks or choosing new directions in life.

To get a service for destiny analysis, all you need to do is to provide accurate birth data with birth Year, Month, Day, and Hour, birth place, and any special question you wish to ask.

When a property owner is late on paying real property taxes, the county or municipality will issue a a tax lien on that person’s property. Certain states allow the tax lien to become a first lien on the property, which is then turned around and sold at auction as a tax lien certificate. At tax sales, you can sometimes buy a property for a small fraction of its market value. Or, you can collect a high interest rate of 16 to 18 percent when the lien is paid off.

Taxes are the main source of income and revenue for government. If the homeowners don’t pay their past-due tax bills, you as an investor can step in and pay the tax dues for homeowners and receive a “Tax Lien Certificate” which entitles them to receive that money from the owner with interest as high as 18% to 50%. No matter what the homeowner would have paid to the taxing authority anyway. When you invest in tax sale certificates, you tie up your capital.

You don’t deal with the homeowner directly.  The homeowners pay the taxes and interest to the taxing authority which will contact you as a lienholder.  If the owners don’t pay the taxes within the specified redemption period, the investor can foreclose on the property and become the homeowner.  If you own property, please make sure you pay your taxes. Because you don’t want to see your property appear on a “taxes due” list. Your property will become a target for investors shortly. Investors are given an opportunity to pay delinquent taxes including: Taxes on real estate, water and sewer charges, municipal improvement costs, utility charges, garbage disposal and sidewalk maintenance.

The basic tax sale procedure as follows:

1/ Tax authority makes a list of all tax delinquent properties. including details about the homeowner and the property.

2/ Few investors know about investng in tax certificates because there are no brokers or middleman.

3/ Investors must do their due dligence at the local county clerk’s office where they plan to invest in tax certificates. Creditors and the IRS can take priority over tax lien holders in cases where the original owner of the property declares bankruptcy.

4/ You can get a copy of the newspaper regarding all the upcoming tax sale information.

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