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Copyright James F. Coyle 2014



Even if you are "stony broke" you can quickly trade invisible assets

such as time, talent, knowledge and experience up into cash.

Assets you never knew you had! This is simple and easy.


This report is all about opportunity.

It deals with the alternative method of creating wealth via wheeling and dealing.

The techniques for achieving this are valid during recessions or boom times.

However, there is more profit to be made during recessions, and this material is slanted accordingly!

When one is dealing purely with cash, the buyer normally holds all the advantages.

That is, he or she generally controls the terms of the transaction.

As such, the seller can end up rather unhappy with the results, while the buyer is normally quite happy.

However, in an exchange-type wheel-and-deal transaction, both parties normally end up fairly contented, sometimes for quite different reasons.


Bartering was in use long before money was invented.


It is only in comparatively recent times that the financial common denominator we call money has been used as a basis of settling transactions.

Paper currency had its origin in the form of a receipt which was issued by gold merchants, for gold bars and ingots deposited with them for safekeeping.

The owners of the gold found it convenient to transfer this bearer receipt when settling transactions, instead of the actual gold bullion. Hence, our complex paper money system was born.

(Some say hatched!) There is no real reason why money has to be used as an intermediate stepping stone in transactions.

Its main advantage is that it speeds up the transaction, as values on both sides are absolutely and impersonally specified. It, in effect, removes the haggling element, and becomes an

intermediate value store.

So too, does it remove the personal contact and the necessity to understand the other fellow’s reasons for selling. Quite simply, these days we don’t have time to get involved in someone

else’s problems, even if we wanted to!

For this very reason, bartering has fallen out of favour, and is considered old fashioned by our money-oriented society.

Understandably, the rare individual who is able to combine bartering techniques with everyday money transactions generally does fairly well in life, no matter what his intelligence or

educational level. This book will help you become one of these individuals!


A typical example of the cash mentality is the consumer-oriented individual who, wishing to purchase a motor vehicle, walks into a car yard and contracts to buy a $4000 car on hire

purchase. He pays a low cash deposit. The balance, with heavy interest, is spread over four years. If he sits down with his calculator and adds up the total amount of cash he is actually

paying out over the four years, he will be shocked to learn that it will probably be in the vicinity of $6500 - all this out of tax paid income.

If he is on an average 30 per cent tax bracket, he will have to earn nearly ten thousand dollars gross income to pay for his $4000 car.


Makes you shudder, doesn’t it?


Almost every adult will have been involved in a trade-in at some time in their life.

Whether it is trading-in a fridge or a car for the latest model, or trading time by participating in a babysitting club, it all involves bartering to some degree, even though the terms of

trade are pre-set and out of your control.

The idea, of course, is to be able to trade or wheel and deal on your terms.

This makes a vast difference to the final result, which will determine your profit, if any, out of the deal.

Obviously, the aim is to make a profit in some way, shape or form, as there is little point in trading at a loss. The actual profit will probably not be in cash, but in the form of goods,

services, or some other intangible, such as time or space.

For example, you may swap some of your home-grown vegetables for the use of a shed for storage purposes.

This storage space can then be swapped-on for the use of a motor vehicle, etc.

I wonder how many people have a spare room in their house or unit? This is spare space which can be swapped for some useful service.

It could be leased to a student or some other suitable person in exchange for housekeeping, gardening or some other service.

Alternatively, it could be used for storage purposes, or as an office.


The point is both space and time have a VALUE.

That is, it is worth the equivalent of money to you.


It is a potential income- producing asset which you can trade for virtually anything of comparable value that you need.

Likewise, you may have a garage or shed which could be utilized by someone else.

They may not wish to pay actual CASH for the use of these facilities, but may be willing to part with something in exchange.

There is absolutely no limit to what can be exchanged.


Another example of an unusual trade was the situation of the young couple who wanted to buy a house from a local builder but couldn’t afford the $5000 deposit. Obviously, in

these depressed times, the builder was very keen to sell this “spec” home, which was not too far off completion.

Our enterprising young couple suggested that the builder complete the house up to 80 per cent.

That is, he was to leave the painting, carpeting, landscaping, fencing and other small time-consuming sundries unfinished.


He agreed to sell the house to these young people at the fully finished price of $55,000 and paid their $5000 deposit himself, instead of spending this amount on the finished work.

In effect, he paid them $5000 for their labour to finish the house. The solicitor, who handled the documentation for their loan application, merely noted that a deposit of $5000 had

been paid (it is absolutely immaterial where the money comes from) and in due course a $50,000 bank loan was granted.

By capitalizing some of their Social Security allowances, they were able to collect another $4000 which covered legal costs, carpets and paint. After three months of part-time work,

the young couple had finished off the house and were extremely happy with the whole deal.


So was the builder!


In fact, his house had been presented so well that he arranged to use it as a demonstration home.

The wife, who agreed to stay home most afternoons, was quite happy to show the builder’s potential clients through her home.

In exchange, our builder constructed a carport for them, at no charge.

The house is now currently worth about $65,000 and is nearly one year old. As the mortgage is only $50,000, it means that the owners have developed an equity of $15,000 out of

nothing except some part-time effort!

This is equivalent to an income of $300 per week for the year that they have owned the house.


All this with absolutely no cash outlay, except a little time, enthusiasm and imagination.


(Incidentally the above example was based on prices in Australia some 25 years ago when I first wrote this material.  But the example still stands as a practical way to acquire a

house at almost no deposit.)



An acquaintance who is a self-employed freelance real estate exchange operator (a person who arranges deals for other people in exchange for commission) has developed a novel

way of collecting his commissions! Instead of asking for cash, he generally agrees to accept a service or facility.

For example, he has the free use of a three-bedroom canal unit on Queensland’s Sunshine Coast, in which he lives.

It has been agreed that he can occupy this residence for 12 months, and he has rented out the third bedroom to a female flatmate for $70 per week, which nicely covers his

grocery bill.

In lieu of another commission, he has full and sole use of a four- wheel-drive vehicle, also for a 12-month period.

All he has to pay for is petrol, as insurance and maintenance are the responsibility of the owner.

His attitude is - why pay $15,000 for the dubious privilege of owning one of these vehicles, along with all the attendant associated expenses, such as insurance, maintenance and

depreciation costs (approximately $4000 for the year, plus the loss of interest on the $15,000 capital involved, say another $2500) when he can enjoy the total use of the vehicle

for no cost whatsoever, except petrol?


Our friend not only has free accommodation, but also free food and transport, and does not have his capital tied up in a vehicle.


The bottom line is - the whole package saves him something like $12,000 over the year, in COLD HARD cash!

Any way you look at it, over the period of 12 months, he is $12 000 better off. If he had to pay for all this in cash, he would need to gross around $16,000 before tax to

HAVE THE USE of the same facilities.

Sort of explains why some people set ahead faster than others, doesn’t it?




A seller  may be prepared to accept diamonds with an insurance replacement value of $100,000 as part payment against his $300,000 property. He knows he will have difficulty in

converting the diamonds into ready cash, and may have to wait three to five years to receive their full value.

(This is somewhat similar to supplying an interest-free vendor mortgage for three to five years.)

On the other hand, he knows that in the current tight cash climate he will have a very good chance of trading these on at the same value.

The same applies to stamps, butterfly collections, or any other collectable.




What we really have, with all of these collectable items, is a BLACK BOX (to borrow a term used in the electronics industry) which has a certified retail value attached to it.

Electronically speaking, a black box is a common description for an unknown circuit which has wires going in and coming out.

It performs a specific function which is measurable on test equipment, but one can only guess at the nature of the circuitry inside. In reality, the circuitry is unimportant.

What really matters is that the box performs the job required satisfactorily!


We can consider collectibles in exactly the same light. Providing they have a retail value of some form attached to them......and this would normally be provided by an expert

in this particular subject.....then  they are perfectly valid as a trading item.


It is quite easy to establish a value.

Merely approach an insurance company and request a detailed valuation for the purpose of insurance cover.

They will direct you to someone who, for a fee, will supply a retail replacement insurance valuation.

As a trading item, this black box will probably pass from hand to hand, until it ends up with some enthusiast who elects to keep it rather than trade it on.

It’s rather like the children’s musical game called “pass the parcel”.


So it is with our black box.


Unless the recipient has a particular interest in the contents, he will want to pass it on instead of keeping it.

Historically, during depressions and recessions when money is tight, the black box is a generally accepted method of transferring equity. Obviously, during boom times,

virtually everything is cashable, so this trading of collectibles is unnecessary and, as such, not particularly popular.


Think about all this very carefully!


This black box phenomenon is the very crux of dealing one’s way out of strife (and into wealth) during a recession.

It is absolutely pointless trying to consider the cashable value because of inherent mark-ups from the manufacturer to the end user.


Let’s explain this mark-up business: Suppose you buy a packet of toothpaste from your local chemist, and it costs you $1.00.

It may come as a surprise to learn that if you wound your way back through the retailer to the wholesaler, to the State master distributor, to the National master distributor,

and thence to the manufacturer, you would probably be able to negotiate the purchase of one million or so tubes of toothpaste at around 20 cents each!


The reality of this is that to resell those one million tubes, you would have to set up a distribution network to handle them, and even if this were efficiently done, it would absorb

 between 70 and 80 per cent of the retail price. To put it another way, mark-up from the manufacturer to retailer can approach 500 per cent. This, by the way, is not exorbitant.

It is considered quite normal in the world of commerce!

So the cashable value of the black box may be nowhere near the retail figure mentioned on the valuation.




A musician client decided to clean out and sell all the unwanted musical gear he had collected over the years.

For a couple of weeks he placed advertisements in the local papers, but was disappointed to receive virtually a zero response.

What he obviously didn’t realize was that most of the struggling musicians who read the advertisements were poorly paid, and as much as they liked to collect and buy musical

equipment, they generally couldn’t afford to.

It was suggested to the client that as he was comparatively well off financially (i.e. his credit card wasn’t totally overdrawn) he market his musical equipment in a totally

different manner.

After a brief discussion, it transpired that the one thing he would really like to own was a campervan, but he didn’t really want to outlay the $10,000 required for a reasonable

second-hand one.

hE then ran a totally different style of advertisement for him in the Musical Instrument column of the local paper as follows:


A pocket full of dollars?????

Musician wants campervan in good condition up to $10,000.

Will trade ready cash plus musical equipment. No messing around - rapid decision.

Genuine sellers, please ring Joe Bloggs NOW on 432 1234.


As the advertisement started off with the letter “A” it appeared at the very top of the sale column, and the headline  A pocket full of dollars” guaranteed it would be read by

every musician who looked at that particular column.

It also conveyed a sense of urgency, action and genuineness.

The result - over 30 phone calls were received.


My client traded his surplus equipment at $4000 for a very nice van around the $10 000 price, and the difference in cash was borrowed from his bank. However, the most

amazing fact was that he had been prepared to sell the equipment for under $2000 in cash, which means he made an extra $2000!

The bottom line is that he not only cashed up his spare musical equipment, but he also bought a $10,000 van for an effective price of $8000.





A lady I had close contact with many years ago grew exotic plants in her large backyard.

After 12 months they looked spectacular and after talking to a few local developers she traded them for a value of $7000 to a developer for one of his semi-rural blocks of

land priced at $29,000. She did this for her son who had a good income but no deposit. His bank was happy to loan him the balance. The developer needed the plants for

several of his new homes and also needed to sell off some of this cheap land. Both parties were happy!




The above excerpts are drawn from the author’s popular book – THE MILLIONAIRES MANUAL;Become a Millionaire in Freedom, Happiness and Wealth.






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