Apr 012017
 

A Real Education About Money

April is officially financial literacy month. Yay! Information is free and everywhere. The problem is some can be misleading. One of my favourite PF gurus, Gail Vaz-Oxlade, recently noticed a slough of pretentious ninnies online pretending to be financial experts.

Personal finance is really popular these days. But I agree with Gail. Real financial advice is rare. I bet dollars to doughnuts many bloggers don’t know what they’re talking about 😛 The current education system is failing the public. This is why I’ve created my high school investing course.

Retiring early should be achievable for anyone. So over the next few months I will be visiting various secondary schools around the city to lecture and teach students how to make money, using other people’s money. 😀 Financial experts such as Robert Kiyosaki have been using this lucrative strategy for decades to make millions. 😉

I was compelled to take on this project after receiving tons of positive feedback from visitors about how reading my blog has made them a lot of money. On my previous post about index investing, one commentator even suggested I charge exorbitant fees to do consulting work, haha. 😉

Let’s be honest. As an authority in this area I should take on a leading role to help others make sense of the financial world. And the best time to teach someone is when they’re young. 😀 I already have years of teaching experience. So naturally I am the best person for this job. 🙂

The Investment Course Outline

For now things are going as planned. After a few meetings with the trustees of the Vancouver School Board I managed to convince them to allow me to give classes to grade 10 students. The course is once a week for 8 weeks. This will be a mandatory part of their Career and Personal Planning (CAPP) program that all students must take to graduate.

Okay. So the first 4 classes will be focused on learning how to use margin accounts to increase stock returns. For example, I started using 2.5 times leverage with margin debt in 2011. By 2014 I showed how my portfolio had doubled in value (100% gain.) This would not have been possible with cash savings alone.

Once the students know the basics, the next 2 classes will be about borrowing money for real estate investments. My property increased by over $100,000 in value since I bought it. Why would anyone want to pay a 20% down payment when they can pay just 5%, and still benefit from the exact same appreciation? Duh. 😀 Don’t lock up capital unnecessarily.

Last 2 classes will be focused on using interest rate arbitrage. I will explain how they can borrow from a line of credit at 6%. And then put all that money into a peer-to-peer lending platform such as Lending Loop, to get 12% return or higher, assuming there are no defaults. Students will learn how to make 6%+ return on money that isn’t even theirs to begin with, haha. What’s the worst that can happen? Here’s what my lending loop account looks like today.

Some people don’t even realize they’re drowning in their own delusional fantasies. But I want to bring a dose of reality to young people. 🙂 I want them to understand that making 25% to 50% annual gains is easy, as long as they borrow money to invest. The more they borrow, the more profits they will make. It’s true that markets can fall occasionally, but they always go up in the long run.

If my educational program succeeds I plan to expand my course to the rest of the lower mainland, and then possibly to the whole province. I spoke to the Premier and the Education Minister Mike Bernier last week. Christy Clark told me she’s very excited about this program, and can’t wait for her son to take my course. 😀 My goal is to teach teenagers how they can also retire early at the age of 35 like I plan to, by investing their way to financial independence. Now read the first letter of each paragraph in this post. 😄

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Random Useless Fact:

Ask this question to trick someone into agreeing to anything you ask.

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8 Comments on "This One Investing Course Will Change Lives Forever"

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Fulltimefinance
Guest

I like the reveal via the first letter of each paragraph. Still I wouldn’t be suprised if you would have takers for your course if you advertised it, it’s not far off some of he courses I’ve actually seen advertised sadly.

Todd
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Todd

Great joke! This would honestly be a good thing. The sad part is even if there were to be such a course, I don’t think the kids would actually take it seriously. In high school the kids are more interested in their social lives than planning for the future..

Mike
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Mike

Savage April Fools lol

Finance Journey
Guest

‘April Fool 2017’ .. 😀 .

Good job Liquid 😀

Patrick
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Patrick

Liquid, have been reading your blog for just about half a year now so still fairly new. I know it’s an April Fool’s joke but coincidentally, I was going to make a comment and ask you about being so highly leveraged. Clearly it’s worked out for you. I remember reading a comment you posted on another blog in 2014 that at one point you leveraged 15x on one investment and 8x on another investment. I think you took an educated risk and it paid off. At this point based on your last net worth update you’re leveraged at 1.83x. Would be great if you wrote a post on your mindset in using leverage and how you go about determining what’s comfortable for you.

SmokingIsCoolAgain
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SmokingIsCoolAgain

Hahaha this actually got my blood boiling for a second there well done! Honestly though, if you replaced the content here with other aspects of personal finance that you are knowledgeable on, I think it would go a long way to helping a lot of people out.

Chriscd
Guest

Well done. I’m reading on Monday. As I was reading, I had to check the date and yep, you created it for April Fools. I didn’t catch the beginning letter of each paragraph until someone mentioned it.

If people don’t get the joke, I could see some people getting fired up, of course you did use leverage and you have been successful.

I bet if you tweaked the material to be a little more conservative, it would actually be a great course. :O)

Didgery Doo
Guest
Didgery Doo

I know this is a joke but i’ve seriously thought about contacting my old highschool and asking if i could give a class on simple financial issues. Ie: how do credit cards really work? How to build up good credit? etc etc

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