By a more than $10 billion margin, Bill Gates sits alone at the top of the list of the world's billionaires. Currently the head of the world's largest charitable organization - The Bill & Melinda Gates Foundation - saving lives in the developing world and working to revamp the American educational system. Born in Seattle, Washington on October 28th, 1955 and currently worth a whopping $86.9 billion (as of April 2017). Gates would co-found Microsoft in 1975 and go on to be a lead pioneer of the computer revolution, overseeing every line of that early code and even writing much of it himself. He's been on the world's wealthiest list since '87, and at this point he's got so much cash, he's flying over the world working with other billionaires to get them to give almost half of it away or invest in world improving causes. So what wise word's can the man with fattest purse impart on us? Though not known for being the most loquacious type, when Mr. Gates speaks, he doesn't waste his words. Here's 7 quotes from the man himself.


"Success is a lousy teacher. It seduces smart people into thinking they can't lose."

"It's fine to celebrate success but it is more important to heed the lessons of failure."

This first pair of quotes speaks volumes. Robert Greene, in his 48 Laws of Power, warns of the dangers of success, and how it affects the mind at times. Winning is great, and Learning from other people's mistakes saves time, but nothing gets your game sharper than falling on your ass. Don't let past successes go to your head. Experience is the best teacher.


"As we look ahead into the next century, leaders will be those who empower others."

According to Napoleon Hill great leadership can broken down to these 11 attributes: Courage, Self-Control, Keen Sense of Justice, Definiteness of Decision, Definiteness of Plans, The Habit of Doing More than Paid For, A Pleasing Personality, Sympathy & Understanding, Attention to Detail, Willingness to Assume Full Responsibility, and Co-Operation. It's all about how you make others feel, and do you make your team better for your being on it? Do you elevate your locker room or tear it asunder?

"Life is not fair; get used to it."

Pretty self explanatory, but understanding that it's unfair for all of us, that some times things just suck, helps us reshape our perspective. Reshaping perspectives - or shifting paradigms - gives you power over the circumstances, instead of the circumstances having power over you.

"I believe that if you show people the problems and you show them the solutions they will be moved to act."

Confidence is a product of competence. Inaction is fueled by a lack of knowledge. When people know what to do and how to act in a given situation, they're more likely to take quick decisive action.

"We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten. Don't let yourself be lulled into inaction."

Wow, I had to chew on this one for awhile. Looming problems seem worse than they really are. Taking time to establish a bird's eye view helps you see the bigger picture and not let your imagination blow things out of proportion. At the same time "objects in the mirror are closer than they appear." The winds of change that are the future creep up on us quickly. Keep a vigilant eye, light feet, and a flexible mind ready to adapt.

"We make the future sustainable when we invest in the poor, not when we insist on their suffering."

This statement rings true particularly in today's turbulent times. We're only as strong as our weakest link and the more we build each other up, the higher we can all stand.

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Airbnb is a great option while traveling, but you should protect yourself from damage charges from unscrupulous hosts.

Airbnb offers an affordable option for people looking to be more comfortable as they travel.

However, there are downsides to staying in a host's home rather than a hotel. Whereas hotels are designed for constant streams of visitors and often have furniture built to last, at an Airbnb, you may be staying on old or cheap furniture that a host is using in order to maximize their profits.

And while most reputable hotels will have regular room inspections from staff to check for any wear and tear, Airbnb damage disputes are oftentimes he said, she said situations. If you are in an Airbnb and something breaks, there are a few steps you should take in order to ensure that you are not on the hook for damages out of your control.

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Long gone are the days when the majority of Americans dreamed about owning a home with a white picket fence.

The traditional American Dream may be on its deathbed, but that doesn't mean a core component of the vision can't survive. It simply takes a diverse perspective. People can still believe they can attain their own vision of success in society with hard work, knowledge, and risk-taking. Investing in today's American Dream may literally mean investing money in our modern economy, starting with our infrastructure.

Real estate investing in particular is a lucrative method that can boost income and secure a better financial future for many. There's always risk involved, but the payoffs can far outweigh the uncertainty. Selecting solid financial investments is about confidence and competence. If you're looking for some advice on this kind of investment, here are a few savvy tips for new real estate investors.

Stick To a Specific Strategy or Niche

Real estate is a challenging sphere of the business world, one that requires several key skills: groundwork knowledge, networking, perseverance, and organization. True knowledge of the real estate market will come with time and experience, but it's a smart idea to select one area of the market and stick to it. This is the best way to attain in-depth familiarity with your specific niche.

First, choose a geographical area close by and then a niche strategy within it, such as house flips, rental rehabs, or residential or commercial properties. By doing so, you can become aware of current inner working conditions in the market and you'll have a better idea of how these trends may change in the future.

Be Vigilant About Viable Financing Options

While it takes money to make money, you don't have to use all your own money. A common misconception about real estate investing is that you must be wealthy to start off. This isn't straight fact, however. A majority of people can test the waters of real estate investing without a lot of initial cash in their pocket.

Aside from traditional financing options from banks and institutions, private lending options can be worthy solutions. Hard money lenders are popular, reasonable choices, and they tend to have fewer qualification requirements upfront. However, be sure to strategically choose a hard money lender to find the best possible fit.

Master the Art of Finding Good Deals

There may be hundreds of thousands of available properties for sale on the current market, but the bulk of them will never amount to the final money-making result you desire. Another great tip for new real estate investors is to use good math to estimate profit. Taking risks is part of the process, but you have the ability to analyze properties and use networking sources to find the greatest deal. You can't win every deal, but you can steadily work towards a thriving financial future.