Investing 101

Jaspreet Singh – Minority Mindset

www.YouTube.com/c/MinorityMindset
www.TheMinorityMindset.com
 Table of 
Contents
i WHO AM I & WHA
WHATT IS THE MINORITY MINDSET?

ii FOLLOW US

iii DISCLAIMER

01 HOW DO YOU MAKE MONEY WITHOUT WORKING? 17 STOCKS - HOW DO YOU MAKE MONEY?

03 MAJORITY MYTH #1 18 STOCKS – GETTING STAR

STARTED
TED

04 HOW DO YOU DO IT? 19 REAL ESTATE INVESTING – WHAT IS IT?

05 EXAMPLE 1 20 REAL ESTATE – HOW DO YOU MAKE MONEY

07 EXAMPLE 2 21 REAL ESTATE GETTING STARTED VS. STOCKS

09 WHA
WHATT THE HECK IS A SEED? 22 REAL ESTATE VS. STOCKS?

10 MAJORITY MYTH #2 23 IMPORTANT INFORMATION - BUYING

11 DELAYED GRATIFICATION 24 IMPORTANT INFORMATION - SELLING

13 NO, IT WILL NOT BE EASY. 25 COMPOUNDING YOUR PROFITS

14 START WITH THE END 26 COMPOUNDING DEMONSTRATED

15 START WITH THE END (PART 2) 27 THIS WAS JUST THE BEGINNING

16 STOCK MARKET INVESTING – WHAT IS IT? 28 LEARN AND ADVISE

 Table of 
Contents
i WHO AM I & WHA
WHATT IS THE MINORITY MINDSET?

ii FOLLOW US

iii DISCLAIMER

01 HOW DO YOU MAKE MONEY WITHOUT WORKING? 17 STOCKS - HOW DO YOU MAKE MONEY?

03 MAJORITY MYTH #1 18 STOCKS – GETTING STAR

STARTED
TED

04 HOW DO YOU DO IT? 19 REAL ESTATE INVESTING – WHAT IS IT?

05 EXAMPLE 1 20 REAL ESTATE – HOW DO YOU MAKE MONEY

07 EXAMPLE 2 21 REAL ESTATE GETTING STARTED VS. STOCKS

09 WHA
WHATT THE HECK IS A SEED? 22 REAL ESTATE VS. STOCKS?

10 MAJORITY MYTH #2 23 IMPORTANT INFORMATION - BUYING

11 DELAYED GRATIFICATION 24 IMPORTANT INFORMATION - SELLING

13 NO, IT WILL NOT BE EASY. 25 COMPOUNDING YOUR PROFITS

14 START WITH THE END 26 COMPOUNDING DEMONSTRATED

15 START WITH THE END (PART 2) 27 THIS WAS JUST THE BEGINNING

16 STOCK MARKET INVESTING – WHAT IS IT? 28 LEARN AND ADVISE

Who am I &
What is the
Minority Mindset?
Hi Guys,
My name is Jaspreet Singh. I started Minority Mindset
because when I was growing up I was always told to get good
grades so I could get a "good" job. Now after some business
successes and failures, I am on a mission to teach others
what no one told me about money, business, and
entrepreneurship.
When I launched my last business, I was scammed and lost a lot of money. I
wanted to teach entrepreneurs how to start a successful business without falling
into the same traps that I did so I created a free YouTube channel for
entrepreneurs.

It costs money to eat and it costs

money to feed people. If we have more
good people with money we will have
more good in the world.

Don’t be the majority.

majori ty. #ThinkMinority

i
Follow Us
Subscribe to our channel:
www.YouTube.com/c/MinorityMindset
New Youtube videos every week 

Instagram
@MinorityMindset

Periscope
@M2JaspreetSingh
(I’m live every Saturday morning, 11am EST)

Snapchat
@M2JaspreetSingh

Twitter
@M2Jaspreetsingh

ii
Disclaimer
BE SURE   TO CONSULT WITH AN
ATTORNEY TO SEE THE LOCAL RULES
AND REGULATIONS IN YOUR  AREA.
AND TALK WITH AN ACCOUNTANT TO
COME UP WITH THE BEST STRATEGY
FOR YOU.

I CAN’T TELL YOU WHAT TO DO. BUT I

CAN SHOW YOU THE OPPORTUNITIES.

iii
How do you
make money
without
working?
MAKE YOUR MONEY
WORK FOR YOU.

The majority of people work hard for their money.

They rely on their jobs to survive financially.

The minority have their money work hard for them. They make money through
their job or their business, and then they have their money work hard for them.

01
02
 Majority
Myth  #
I need a lot of money to make
my money work for me.

 O N G.
 W R
 Y O U C
A N  S T
 R
A R T
 $  0 0.
 1
 I T H U N D E
 W
Earl a parking attendant never made more
than $12/hour. The most he made was
$20,000/year. He started with just a few
dollars, and has turned his small savings
into $500,000!!

Learn about Earl here:

https://www.youtube.com/watch?v=qlUIOxQr3bo

03
 How
do you
do it?

: Buy Seeds :
THINGS THAT MAKE
: Don’t Buy Bananas :
 YOU MORE MONEY. Things that use up money.
The bananas we eat have
no seeds. So when you
consume a banana,
everything is gone,
 just like your money.

04
Example
Majority

1 John wants to buy a new car.

So he goes to the dealer and
buys or nances a $20,000
car.

 As soon as he drives the car

off the lot, the car loses 11%
of its value.

Every year John has to put

more money in the car for
maintenance while the price
of the car goes down.

05
Example
Minority

1 Nancy wants to buy the same

car. She takes the $20,000 she
has and buys seeds (more
about what to buy coming
soon).

She lets her money grow for a

few years. Now she takes the
money she made from her
seeds and buys a car.

She has a car, the original

$20,000, and her seeds are still
making her more money every
month.

Watch now:
Why The Rich Will Get Richer

06
Example

Majority:
John wants to buy a
$250,000 house.

He takes the $50,000 he

has and uses it as a down
payment for the house.
He pays $1000/month in
mortgage payments.

07
Example

Minority:

Nancy wants to buy a

$250,000 house.

She takes the $50,000

she has and uses it to
buy seeds and lets her
money work & grow
for some time. She uses
the money she makes
from her seeds to pay
for most of the down
payment, and then uses
the money she makes
every month from her
seeds to pay for her
mortgage.

08
What
the heck
is a seed?
 A PASSIVE investment. Something that will
pay you money for owning it. You do the
work nding and buying the right seed.
Then you let it pay you every year
regardless of whether you work or not.

The most common examples:

Stocks & Real Estate

09
#2
Majority Myth

People don’t do this because

they don’t know how.

WRONG.
Many people know We live in a society where
investing their money
can make them more when the majority of people
money. want something they want it
now, they aren’t willing to
They don’t do so
because it requires two wait for something bigger in
things: patience and the future. Don’t be the
delayed gratification. majority.

10
Delayed
Gratification
Yes you may get Yes people will
made fun of for laugh when you
living below your drive that “ugly”
means. car.

Yes people will Yes people will

think you are think you are
weird for avoiding crazy for not
credit cards. trying to t in.

YES PEOPLE WILL SAY YOU ARE OUT OF

YOUR MIND WHEN YOU TELL THEM WHAT
YOUR DREAMS ARE.

11
The majority wants to t in and be accepted.

YOU HAVE TO BE
WILLING TO SACRIFICE
NOW FOR A BIGGER
GOAL IN THE FUTURE.

12
No, it will not
be easy.
I am not here to sugar GETTING RICH AND
coat it like most “get BECOMING FINANCIALLY
rich quick” programs
that sell you hopes and SUCCESSFUL IS HARD
dreams of making WORK. IT TAKES A LONG
money. TIME. THAT’S WHY THE
MAJORITY WILL NEVER BE
 ABLE TO DO IT.

Loading up on debt to buy a bunch of

investments does NOT make you rich. It
makes you liable for a bunch of payments.

Being financially secure means having no

liabilities (payments to make), and money
coming in every month.

13
Start With
The End
How much money do you need every month?
$1,000? $10,000? $100,000?

 ADD UP YOUR CURRENT

EXPENSES AND ADD IN
 YOUR DREAM EXPENSES.
Now see how much money you need. Be honest with yourself.
Let’s say you want to make $10,000/month. Now work backwards.

If you need $10,000/month, how much money do you need working for you?
If your money grows by 20% annually: $600,000
If your money grows by 15% annually: $800,000
If your money grows by 10% annually: $1,000,000

Watch now: You Are Guaranteed To Go Broke If You Do This

14
Start With (Part 2)

The End
NOW YOU KNOW HOW MUCH
MONEY YOU NEED. IT’S TIME
TO COME UP WITH A PLAN ON
HOW TO GET YOUR MONEY
WORKING FOR YOU.
Remember you don’t need a lot of
money for this! Earl has $500,000
working for him, he makes only
$12/hour. It takes patience and
delayed gratification.

15
Stock Market
Investing WHAT IS IT?

What is a stock?
Companies are divided
into shares. When you buy shares of
a company, you become
an owner of the company.
Companies then sell So when you buy 1 share
of McDonalds for $120,
some of their shares you are one of the owners
of McDonalds. That
to raise money. doesn’t mean much, but
you make money when
McDonalds makes money.
You, as an investor,
can buy some of
these shares on the Watch now:
Budgeting 101
stock market.

16
 STOCKS

How do you
make money?
APPRECIATION:

YOU BUY STOCKS OF

A COMPANY BECAUSE
YOU EXPECT THE COMPANY
TO BE MORE VALUABLE
IN THE FUTURE.

When a company becomes Dividends: Many large companies

more valuable, the stock value goes up.
So if you buy one share at $120/share
and it goes up to $200/share. You just
made $80 just by holding the stock.
want to incentive you to invest in
them. So they pay you to invest in
them through something called
dividends. This means a company
will pay you every quarter (3 months)
or every year as a thank you.

17
 STOCKS

Getting Started
You buy stocks through a brokerage account.
You can open one up very easily online through websites
like www.etrade.com or www.TDAmeritrade.com.

Find what is best for you and do your own

research. Every time you buy or sell shares
of stocks, you will have to pay commission
to your brokers. For online brokerages this
is typically between $7-$10 per trade.
So if you sell 100 shares of a stock worth
$1. You will make $90 from the sale.
$100 from the shares - $10 commission.
I recommend you start with virtual trading to see
what it is like. You can practice investing with fake
money to understand the ins and outs of stock investing.
There are many of them out there, here is one that I
found: http://studentstocktrader.com/

18
Real Estate
Investing WHAT IS IT?

Everyone needs a place to live, companies need office

space, parking lots need land, restaurants need buildings,
and stores need retail space. You can make money on this
by buying, building, or rehabilitating property and renting it
out to consumers who need the property you own.

CAN YOU START THIS WITH NO MONEY,

NO EXPERIENCE, AND NO INCOME?

Sure, using a creative investment strategy. But I don’t recommend

loading up on debt to buy real estate. I invest to buy cash flow,
not a headache. Find partners who have money but no time, use
your time to compliment your partner’s money resources to
buy a property together. You can find partners at Real Estate
Investment Clubs in your area. No it isn’t going to be easy.
Yes you will have to work hard. And yes, you can do it.

19
Real Estate
How Do You
Make Money
APPRECIATION:
You buy real estate with the expectation
that the value of the property will go up.
This is much better than buying a car
because the value of a car keeps going
down with time, while the value of property
in a good location should go up with time.

RENTAL INCOME:
This is like a dividend. Tenants pay you every
month to live in or use your space. This is my
favorite income source. The amount of money you
make is predictable and it goes up every year when
you increase rent. When I do my financial analyses,
I don’t count on appreciation because you can’t
estimate appreciation. I focus only on the money I
make from rent. And if the property goes up in value,
that is just icing on the cake.

20
 Real Estate
Getting Started
 vs.
Stocks
IF YOU WANT TO INVEST IN REAL ESTATE, you will need
to have the following members on your team:
a real estate attorney, a real estate accountant,
a property manager, a contractor, a real estate agent,
a title company, a real estate investment insurance
company, and a bookkeeper.

IT SOUNDS LIKE A LOT, BUT ONE MEMBER OF YOUR

TEAM WILL HELP YOU FIND THE NEXT. IT IS A MORE
SOPHISTICATED FORM OF INVESTING BECAUSE YOU
NEED MORE RESOURCES TO DO THIS.

21
Real Estate vs.
Stocks?
It is more expensive to get started in Real Estate Investing than it is Stock
Market Investing. But the advantage of Real Estate Investing is that you
own a tangible asset.

With the stock market, you have no control over what is

happening with the company you own. And if the company
you invest in goes bankrupt, you have nothing.

In Real Estate Investing, on the other hand, you own

a piece of property that you can control. If things
are not going well, you can make changes to the
property. And the value of your property will
almost never go to zero. And keep in mind
that most rich people store their wealth in
real estate.

22
 Important
Information
Buying
Regardless of whether you are buying Real Estate or
Stocks, the key is to be patient. Never chase a stock
or a property. It is very tempting to buy when the news
reports an investment growing very fast.

DON’T BUY WHEN EVERYONE IS BUYING.

Wait for a buying opportunity – when everyone is selling.

That is when you will be able to buy the investment cheap:
Ford (F) came down to $2 during the stock market crash.
Now its trading for $13/share. A 600% increase.
SOME Real Estate was selling for 10-20% of what it was just
a few years prior to 2009. Then the prices jumped back up
in a couple years.

23
 Important
Information
Selling
Don’t be greedy.
What goes up must come down.

IF YOU ARE LOOKING TO SELL,

DON’T WAIT FOR THE “PERFECT MOMENT”

You will never predict the highest selling price. A profit is a profit.
It is better to have some profit than a loss. Once you sell, don’t look back.
It is history. Don’t worry about how high the investment price has come.
Take that money and invest it somewhere else to make you more money.

24
Compounding
Your Profits
THE POWER
OF INVESTING
 AMPLIFIES
WHEN YOU
That means taking your dividends and buying
TAKE YOUR more stocks and taking your rental profits and
PROFITS AND buying more real estate.

RE-INVEST Now, your money is making you money &

IT. the money your money makes is making you
money.

Albert Einstein once said that “compound

interest is the most powerful force of all time”.
But again, the majority will not take advantage
of it because they don’t want to wait for
something bigger in the future.

25
Compounding
Demonstrated
If you invest $4/day from the day you turn 18 until you turn
65, with a 9.9% return you will have over $1,000,000

If you invest $10/day from the day you turn 18 until you turn
65, with a 11% return you will have over $5,000,000

If you invest $20/day from the day you turn 18 until you turn
65, with a 12% return you will have over $14,000,000

ALL THE ABOVE REQUIRE YOU TO

RE-INVEST YOUR PROFITS.

26
 This Was
Just The
Beginning
We have barely scratched the surface on
how both of these strategies work.
For more FREE information:

Subscribe to our channel:

www.YouTube.com/c/MinorityMindset
New Youtube videos every week

Instagram
@MinorityMindset

Periscope
@M2JaspreetSingh
(I’m live every Saturday morning, 11am EST)

Snapchat
@M2JaspreetSingh

27
Learn
Advise &
 W  H A T
 F I N D
 E S T
 I S B
 R  O
 Y  U .
This e-book is just to demonstrate that  F O
it isn’t just how much money you
make, but what you do with the
money.

There are a lot of other things (legal,

economical, logistical) that go into
investing that we did not go into. So
continue to learn and be sure to advise
with an attorney for the local laws and
regulations in your area. And talk to an
accountant about the best tax and
financial strategies for you.

28