Cryptocurrency is being linked to physically deposited gold


The ICO (Initial Coin Offering) is hot right now. And with Karatbank blockchain based linking physically deposited gold, it’s about to get hotter. Source: Bitcoinst news in Telegram, “5 interesting token sales projects to look at in February and March.” The Karatabank  coin, was the last of the five choices.

Each 10,000 Karatbank coins are promised to be exchanged for 0.1 gram Cashgold at any time. Most people find it difficult to acquire large gold bars or do not know how to  contact a gold bullion broker. In addition, many people feel like they don’t have a home vault strong enough to physically store gold. Karatbar products are produced by LBMA accredited refineries, but in small gram quantities  from 0.1 gram to 5.0 grams.

The Karatbank coin is designed to used as a generally accepted electronic payment for goods and services.  Gold is considered a traditional, true, secure, and value-stable medium of exchange. Most people think of large heavy gold bars behind large vaults. A large percentage of gold is converted into into items of jewelry and art. 18 percent is located in the vaults of central banks and other monetary institutes, and 16 percent is in the form of bars and coins held by investors.

Below is the Bank of England Gold Vault which contains 4,600 tons of gold. 


This is one of 15 impenetrable bank vaults.   in the world.

Gold was the medium of exchange in the form of gold coins for years, however it has been continually been replaced by banknotes.  The problem with this is, that the value of bank notes, depended on the country. In less developed countries the trustworthiness of legal tender moves towards zero.  As the US currency was taken off the gold backing the value of it’s currency is also falling. When the government starts the printing press to handle their liability, individual have less money value (buying power) in their pocket.

Currently, more than 480,000 customers from more than 120 countries have already bought the smallest gold bars, from Karatbars International GmbH,  which in Headquartered in Stuttgart Germany. The total investment of these customers amounts to nearly Eur 120 million. With this customer base, it’s obvious that the Karatbank coin will achieve a high market capitalization and will create a success story for many.

  The visionary behind the idea of the Karatbank coin is Mr. Harold Seiz, a German entrepreneur founder and owner of several companies, author of books, guest speaker, and founder C.E.O. of Karatbars International GmbH, Stuttgart Germany.

Karatbars International is a global e-commerce company that is based in Stuttgart Germany. The company founded in 2011 specializes in the production and sales of high quality gold products in small, transaction friendly weights.

Karatbars International is not a Multi-Level-Marketing MLM company. Wealth Builders World Wide is an affiliate organization that assist independent business owners (IBO).  For more information go to  the real



Why should you become a good reader?


Why should you become a good reader?
This blog is from a set of notes taken from the CD lecture series titled, “The Art of Exceptional Living” By Jim Rohn.

There is an art to success, where you become the artist. Your life experiences and the knowledge you gain from others, determine how the final portrait of your life is displayed, for all to see, after you leave this planet.

Reading for personal development gives you more colors to paint your picture. When you work on your personal development you affect those around you. You become a better parent, a better spouse, a better worker and a better boss. Your future is still a work of art (the canvas of your life is still a work in progress) that can be started at any moment. You have a choice, so choose wisely.

One way to learn is from your own experiences. They can be either good or bad experiences. At the basic level, if you put your hand on a hot stove, you learn real quick, not to do that again. Some of the more complex issues of life, like personal relationships, bad career choices, poor life decisions take a little longer to learn.Why not take the time to read about someone else’s experiences, someone who already went through it.

Books have been written on so many subjects, of which an author may have spent a life time, working on an issue. To be able to read a book within a few weeks, could save YOU ten years of doing things the hard way. If you say, “I don’t have time to read”, then be willing to pay the price.

If someone wrote a book on how to earn a million dollars, or how to develop good social relationships, wouldn’t that be worth the effort? What should I read, is a good question? That depends on what you want to do with your life. Good ideas are all around you. But you must search for them. Books have been around for a long, long, time, now we have the internet.

Jim Rohn talked about how, and why, to study in those early years, when he was with his mentor Earl Shoaff. “Study” is the key word, for life change. If you wish to be successful in life, study success. If you wish to be happy, study happiness. He said happiness is not an accident it’s a study, then it becomes a practice.

If you want to be wealthy, then study wealth. If someone had told him about the study of wealth in school, he would have studied wealth 101 and 102. These studies are in the library under communication skills, financial investment, career planning, family relations, and leadership skills. With new technology, they are just a click away.

This is the small list of classics books I would recommend:
Law of Success – Napoleon Hill
Think and Grow Rich – Napoleon Hill
The Richest Man in Babylon – George S. Clason
The Greatest Salesman in the World – Og Mandino
See You at the Top – Zig Ziglar
How to Win Friends and Influence People – Dale Carnegie
The Power of Positive Thinking – Norman Vincent Peale

This is the small list of the CDs I would recommend:
“Challenge to Succeed” – Jim Rohn
“Take Charge of Your Life” – Jim Rohn
“The Weekend Seminar” – Jim Rohn
“The Art of Exceptional Living” – Jim Rohn

The measure of a man can be judged by his words. These were Jim’s parting words, for many of his programs: “ I wish you a life of health, wealth, and happiness, a life in which you give to yourself the gift of patience, virtue of reason, the value of knowledge, and the influence of faith in your own personal abilities, to dream mightily and to achieve greatly. Do something exceptional.”


I consider myself a good student. Recommend you Click and read the other stories, then join in. Have you ordered anything from the Success Store yet?

Internet comments

Lynn Brown
I love that Earl, when you start off by saying “Reading for personal development gives you more colors to paint your picture” … That is so true and our personal experience can be developed through learning from great mentors like Jim Rohn. Thanks for sharing.

Daphne Dobson
Powerful post Earl! I love Jim Rohn! He was a man of such wisdom. It’s been said that readers are leaders. Thanks for sharing!

X Ray Cat
Thanks Earl. First I absolutely love Jim Rohn and second; reading saved my life! At my lowest point I lost everything and saw no future and had no idea what to do, and how to go on – I turned to books. Within the first year, I got my life back on track. Second year I managed to quit the 9 – 5 slavery and become my own boss. READING was the key.

Leaders are readers so I think being a good reader is necessary.

Stephanie Arwine
I agree with Lynn’s comment. You paint a beautiful word picture.

Earl Hackett
Thank you for the comments. For those too busy to read, they should listen to something positive (on their smart phone) to start their day. YouTube also has a library of positive motivational videos that will brighten up any one’s day.
Healthy Mind, Motivation2Study, Motivation, Team Fearless, Absolute Motivation, Red Frost Motivation, Be Phenomenal, Delon Motivation, TEDx Talks, Eric Thomas, Les Brown, Tony Robbins, and Evan Carmichael to name a few.

Emotions can turn your life around

Emotions can be negative or positive. We make decisions based on inspiration or desperation. Both encourage action.

Jim Rohn talked about the time he opened the door to a little girl scout who was selling cookies. Jim had been working for some time, but he didn’t have any money, and he didn’t want to tell the little Girl Scout he didn’t have any money. So, he lied. He told her he had bought some earlier, and they still had some cookies in the house.

When she left he said to himself, “I don’t want to live like this anymore. I’m married, living in America, the land of opportunity, and I’m so broke I can’t afford to buy Girl Scout cookies, and on top of that, I’m lying to a girl scout. How low can I go?”

From that point on, he said he was going to find a way to improve his financial situation. As fate happened, he met Earl Shoaff, a wealthy businessman who had a straightforward way, of explaining some fundamental principles that changed Jim’s life forever. Earl died within five years, but he left a powerful impact. What event will cause you to make a change?

Jim Rohn made a fortune in network marketing and then went on to start another career, as a motivational speaker and coach for millions. He was my mentor (by way of his CD/DVD lecture series) for a couple of years before he died.

There was a movie that came out several years ago; it was titled “Pay It Forward”. In the movie, a young junior high student does something to really help someone and they cannot pay it back, they must pay it forward, they must do a favor to help three other people.

“When I write about Jim, this is my way of paying it forward. There are so many excellent motivational speakers, but for me there was only one, Jim Rohn. Most of us like the idea of learning how to be wealthy, but he takes it to a deeper level. He talks about living a successful and happy life.

If money was the only indicator of success, how come, some wealthy people commit suicide? Money is great, but having money and a good life is even better. The Bible talks about what does it profit a man if he gains the whole world but loses his soul. Thirty pieces of silver was a lot of money, but his name was Judas, and he committed suicide. If you would like to connect directly with the works of Jim Rohn, google the Success Store.

I made a decision that changed my life, and it pushed me into this path. Three more years, is what I was looking at, before “full retirement”. I know my decision was made in desperation. Reminds me of another movie, I think is was titled “Network” where people stick their head out the window and yell, “I’m mad as hell and I can’t take it any more”.

Who knows, if I struggled for three more years on “that job” what it would have taken out of me. Would I still able to do this – blogging thing? Now this is part of my legacy that I leave my kids. My inspiration came from a man I only met through CD’s and audio tapes. Thank you, Jim, and I know I’m not alone.

I have discipline, because that is what you learn in the military. Jim said in one of his lectures, we should ask ourselves not what am I making here (on the job), but what am I becoming here. It’s not what you make, but what makes you, that counts. Personal development is an ongoing process. Anyone can, but few will attempt, why, because it’s also easy, not to.

The journey to personal development is never ending, but so worth the trip. Why not join in? What do you say to the person in the mirror three years from now, when you are in the same position, dealing with the same people ?

Internet comments

Tara Woodruff
I agree 100% , Jim Rohn was an icon of integrity in personal development and business!

Leonie Heskie
Hi Earl, I love your blogs and love the steps you have taken to get to where you are now. I love your quote from the Bible and the one that man cannot live on money alone. Love your writing. Thank you for another inspiring blog.

Earl Hackett
Thank you for your comments. Inspiration or desperation are emotions that require action. Thirty pieces of silver was a fortune, but his name was Judas and he hung himself. It was not the money, but what he, had done. In the dictionary Judas, is the one name associated with the person who betrays another under the guise of friendship.

Attitude will affect your challenge


Our attitude is based on values, which helps us to develop habits. Sound values and good habits, should be developed in childhood. Poor health habits at an early age, may result in major health problems later in life. Poor early money management habits, may also mean poor money management habits later in life.

Jim Rohn asked a simple question “What should a kid do with a dollar? If you say it’s only a dollar, let him spend it all. Don’t let him spend it all! Kids learn best from examples. Take him around the poor section of town and tell him, “This is what happens, when you spend all you got.” Unless that is where you already live, then just show him around the neighborhood.

Good reading habits and a positive attitude also affect how well we do in school. While you are in school, you should get all you can. Being broke at 40 is bad, but being broke and stupid is even worse. Little things practiced every day make a positive difference, just like the little things neglected over a period make a major difference. That’s why we need a teacher or that internal quest to do more and learn more.

In America everything that we need to know is within reach, it’s in the library, and now on the internet. We have a choice; we can move forward, and stop by the library. Or we can walk pass the library. We can search for knowledge on the internet, or shop and just be entertained by it.

Attitude is how you feel about life and people, but more importantly it’s how you feel about yourself. Emotions can be positive or negative. They can either help us or hinder us when we make major decisions, especially when done out of one of two reasons: inspiration or desperation. Our attitude about life also starts at home.

Human’s beings are different than animals, because of our emotions. A bird can “only fly south” in the winter. Why? It’s based on the instinct of the species. Humans on the other hand can go north, east, west, or south because we have choice.

How high will a tree grow? As high as it can. How much will a man grow? That depends because he has a choice. We can be all that we can be, or we can be less than our best, because we have choice.

There is an old Bible story about the master who had three servants. The master was going on a long journey and called them. He told them, “I’m going on a journey and I want you to take care of things, until I return. He gave one servant one talent, one servant five talents and the other servant ten talents, to see what they would do.

A talent is something of value. He was gone for a long time and when he finally returned, he sent for his servants and asked each, what they did. The servants with ten and five increased their talents, while the one with one didn’t do anything, because he hid his talent.

What is your talent and what will you do with it? If you could discover hidden talents, would it be worth it to you, to invest in your own self? If there was a way to get paid for something you like to do, would you be interested? What talent will you bring to the table?

Internet comments
Your attitude will make or break you! Thanks, Earl

Adrian Farray
Great post Earl! It’s all about our attitude of gratitude and not wasting our talents. Life is too short for that.

Earl Hackett
Thanks for your comments. Attitude is the second step towards success in business and in life. The first is how you think; your philosophy. They determine your action, or the lack of.

Change your philosophy for your challenge


Our philosophy, is established by using our mind, to process ideas and information. It determines how, and what we think about the world, as it relates to us. It starts when we are young and is developed and changes as we get older, and go through life. Your philosophy determines how you handle the challenges of your life.

Our parents give us their best, to relate to the world. It starts to expand later as we attend school. The reason we go to school should be to gather knowledge. We should get everything we can while we are in school. When we are young , we may thought it was  cool to cut school, but that one day you missed, might be a key life point. Nothing worse than being stupid, broke is bad enough. Unless you are broke and stupid. And the only thing worse than that is to be sick, broke, and stupid.

We can’t choose our parents or where we start life. Children born in America have an advantage. We take it for granted, if we are born here. Think about it. We don’t see American citizens climbing walls or digging tunnels to get into Mexico, or jumping on rickety boats to get to Poland, or Germany. We forget that the United States is the melting pot of the world. We all came from somewhere else, unless born a Native American.

As we get older we blame many things for our present situation. We blame the family we grew up with, the lack of money, lack of education, high taxes, the state of the economy, or the company we work for. Jim Rohn calls that the “winds of life, that blows on us all”. If we want to arrive where we have values, treasures, productivity, success, life style, we need to “set up a sail” that will take us, to where we want to go.

Most people end up on the rocks of life, because they don’t even have their sail up (how can you find dry land, if you have no plan). If your sail is not up, you will be blown in any direction of the wind. When you have a sail you can make a” course correction” to get to where you want to go. Refine your philosophy to carry you through the storms of life. Simply put, philosophy is the sum total of all we know. Then we need to determine what is valuable, and work on the things, that make the most difference.

Spend your time and money, on those things that matter. Think about what you need to do, then get started. Success is a journey. It’s not just a destination. We work, work, on our jobs. The question we should ask ourselves, is not what am I getting here, but what am I becoming here?

I got lazy (only three years left before retirement) but realized that life was more than a regular pay check. To do the things new management wanted me to do, took me back to when I first started work, over 40 years ago.

Was I crazy or just feed up with getting by? The major influences of my life have passed on – Mom and Dad and some of my mentors. What kind of legacy will I leave? What kind of legacy will YOU leave?

Les Brown, a mentor who is still here said something that stuck in my mindDon’t leave here, with talent not used. Blogging is my way of saying hello world, my name is Earl, and this is what I did. If you don’t tell your story, someone else will. Will they get it right or leave something out?

Internet comments
Lynn Brown
What a great way to share the importance of telling your story and sharing it with the world Earl. Thank you for sharing your story as I can relate to so much of it. I’m very happy to have left corporate America and living on my terms, but not until I understood that we do have a story and one that can push us towards our dreams. Thanks Earl for this awesome post!

Netty and Sam Estes
This is a great post Earl and you are so right about telling your story – especially as a baby boomer. We have so much guidance to share. The cemetery is the richest place on earth. But I will be dirt poor when I get arrive there… all I have to give, will be given. Thanks for sharing.

Earl Hackett
Thanks for your comments. I think it was Les who said, “We all have greatness within us. But when we die, we take all those dreams and talents with us, if we don’t act on them.”



Become a good listener for your success

Good listening skills are scarce, because it is easier to speak than listen. As soon as someone speaks, we relate their conversation to our philosophy, knowledge gained from pass experiences, or past references to things we may have heard or seen. In our haste to add to the conversation we formulate ideas without hearing the rest of the speakers thought process.

When we close off our ears and concentrate on our own reply, sometime our reply is based on what we think the speaker is saying not what they actually said. I listen to the Jim Rohn tapes and take a lot of notes because Jim listened to Earl Shoaff and within five years turned his life around.

Jim Rohn is the farm boy who became a millionaire in the multi- level marketing industry. He then traveled all over the world spreading basic success principles. I can give you my perspective of working for over 40 years, serving in two branches of the military, and traveling to distant parts of the world.

But Jim Rohn spent 40 years, honing his craft. FORTY YEARS of working on his personal development, and then communicating it to all who would listen. When he was on the road, he was speaking to thousands of people. He became the master motivator. I am just a student and a good listener. I hope you become one also. Success is a process and if you study, why not study from the best. If you want success, why not go to the Success Store.

When we listen, really listen, sometimes we get a different message. Hearing something and listening to something in not the same. Hearing is where the sounds are registering in our ear and maybe our brain; listening means, ideas are registering in our mind and may affect our heart and soul. Ideas for success is something, we can all use. You can learn a lot of things from reading or listening for ideas.

You can even learn by being around successful people. Listen to what, and how they say the things, they say. Don’t become a follower but listen, think on what you hear, then make up your own mind. Make sure that your decision is based on your own collusion.

Develop all your observation skills. Look and listen. Don’t just go through the motions, participate in life’s events. Preoccupation is fatal to those in search of success. Preoccupation is also fatal then you text and drive (my public service message for today). For those in search of success, develop and fine tune your observation skills. As you fine tune this ability, you will notice the little things that most people overlook.

Success and failure leave clues. The minor details may make a major difference. Just like there is a difference between hearing and listening there is a difference between sight and insight. Sight is when you see with your eyes. Insight is seen only within your mind.

Be aware of what is going on around you. Write things down in your journal. You want to learn “from the day”, while most people just want to make it “through the day”. You think you know what happened. But how does it affect you, and your future plans. The time to do it, is today.
Internet comments
Lucie Flowers
I was never very good with listening. I get easily distracted and unless a conversation is genuinely interesting I zone out. This is great when it comes to gossip, as it don’t register and I forget it without trying.
Luis Craveiro
Great post Earl. Listening is a great skill and can change your life and that of others. My greatest success came from listening and finding solutions to others. Thanks for sharing
Lynn Brown
Oh, this is a good reminder how important it is to be open to listening and learning, especially by mentors and others that have more experience, success and knowledge than we do. We can certainly gain so much more value when we decide to put down our ego, listen and learn. Thanks Earl for sharing.

Earl E. Hackett                                                                                                                                        

I was not listening when my mom told her stories about “that old Indian”, named Green Smith. She didn’t really know him. At the age of 90, when she went on to glory that’s when I got the whole story. Mom was a county girl that never learned how to drive, but never let it stop her. She caught public transportation to where ever she needed to go, even in the bitter Detroit cold into her mid eighties. 

Green Smith was a Mississippi Delta Native American who kept track of  all his off-spring and when mom was born in 1918 she was the last of his 33 children. That’s probably why she maintained her independent spirit. 



Never underestimate the power of support


Somebody, somewhere, said something that made a difference.

While our parents have a major influence, we may have been influenced by someone else. Dianna Booher, a professional speaker and author of 42 books, said she was influenced most, by her 11th grade English teacher. Did you have a teacher, who left an impact on you? My biggest influence was Napoleon Hill and Jim Rohn.

Dianna received the highest award for profession speakers and was inducted into the Speakers Hall of Fame. She said, in her interview with Chris Widener, in the “Made for Success” series, that her teacher had the communication skills that inspired her and a lot of her students. She showed she cared, but she held her students accountable, and didn’t take excuses. She required her students, to always do their best.

Steve Harvey has a mentoring program for boys. Every year he invites boys that are raised by single mothers to his ranch in Texas. For two or three weeks, they are trained by men; fathers and men in the military on how to take responsibility for their own actions. It’s a physically and mentally grueling exercise into manhood. Once exposed to this life changing environment most of the young men make the change. Without this support system, they are only left with learning from their old environment.

The Bible says that people perish from the lack of knowledge. Tough love, is where you tell people close to you, the truth about themselves. Sometimes the temporary pain from hearing the truth, results in a better outcome later in life.

As parents, we don’t want our kids to go through what we went through. But we forget, the lessons we learned, made us into the person we are today; the bloody nose and the broken heart healed over time, and taught us valuable lessons.

Dianna would work 12 to 14 hours a day, because she was raised that way on the farm. Then one day, she got sick. The doctors told her that she would have to change her schedule, if she wanted to stay around. Sometimes you need to reduce your stress to survive. If you are being stressed by your job, you need to evaluate, if it’s worth it.

If your excuse is, I got to pay the mortgage, and the car notes and all the other bills, then you need to find another way to make money without the additional stress, or down size your life style. Do you really need “that big a house”? Do you really need to drive “that brand new car”? Are you being stressed out, every holiday shopping season? Are you robbing Peter, to buy Paula a gift?

Why not invest in an online business today. Can you afford to spend a little to get started? During your time off, if you have time off, learn some new skills. The support system was in place with the empower network. You could join the army of people who have decided that putting in the time and effort to make an extra $3,000 to $5,000 a month was worth it.

Part of the support system is the training programs. The basic program gets you started, the Inner Circle is the motivation part that keeps you going. The ultimate support experience is the live events where you see and hear other people. You just might hear what you need to take your business to the next level. This has been straight talk, beast mode.

P.S. Once you learn how to blog on a daily basics you can promote whatever product or service you want. You become empowered to do it your way.

Internet comments

Gail Kendig
Very interesting information on this blog… I always liked Steve Harvey… now, there’s a man making a difference! Thanks Earl!

X Ray Cat
Thanks Earl for sharing this story and your thoughts on support. I was able to turn my life around and the best part is, while it may seem sometimes that there’s no one around – it’s not the case at all.

You can get support via videos, audios, books, and groups on line. You can simply contact someone on Face book and just ask for help! It’s very rare when someone will turn you down if you’re sincere.
There is support all around you 🙂

Juanita Simpson
Yes, the ones who have a tremendous influence in our lives can make or break us. The choice is ours.

Earl Hackett
Thank you for your comments. It’s best to try and work it out before you begin asking others for help. You can go to YouTube, type in your question on almost anything, and see how to do almost everything. The good thing about going to live events is you get to see some of the real people in person, and you can have real quality face time.

You can go-it-along but it’s easier when you have a support system in place. One person can make a difference, but team work makes the dream work. As a former Quartermaster I know that support helps win battles and helps keep the peace.