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Make the decision to retire a millionaire today

*Disclaimer:  I am simply sharing the actions I have taken in my own life, and how an outstanding GE career accompanied by some investment real estate can transform your life!

Ask 10 people on the street what “Cash Flow” is and it is likely 10 people won’t have a clue. That’s why none of them are millionaires.

Cash Flow, of course, is the tide of money that flows in and out of your financial life. When you have more money going out the door than coming in, you have the average debt-burdened American.

To be rich you need POSITIVE CASH FLOW, the 3 most powerful words in the English language (or any other language you translate it into.)

“Positive” cash flow means you are just the opposite of the average American: you have more money coming in than going out. Reaching this point was the definitive game changer in my life. You ought to write “Positive Cash Flow” on your bathroom mirror because this is the ultimate prize. It sets you free.

Now if you’re job brings in more money than you need, that’s great. However you are still trading dollars for YOUR hours. With real estate, the cash comes in whether you work or not.

Here’s how positive cash flow creates effortless wealth with real estate…

Say a tenant pays $1,100 a month in rent for Unit 101. And this unit’s share of the mortgage and other building expenses is $600 a month. That’s gives you $500 a month in positive cash flow. You’re making $500 while the tenant pays off every penny of your investment.

Multiply $500 by every unit you own… a 3-unit building gives you $1,500 a month is extra cash… a 6-unit gives you $3,000. Life is good.

The money doesn’t end here. Your building is increasing in value. And there are big tax benefits. I hope you’re starting to see why owning an apartment building is better than a goldmine. During the Gold Rush days more than 99.99% of the prospectors went bust. But the entrepreneurs who sold them picks and shovels made millions. They had tapped into the real Mother Load: cash flow.

I want you to be the rich young professional offering a basic service everyone needs: a roof over their heads. It’s a great trade off… you provide people with a place to live… and they provide you with Total Financial Security.

I am happy to answer questions you may have regarding real estate; at a minimum, it’s a terrific way to beef up your retirement, while excelling your career at GE.

Written by: Corey Kendig (Transportation / Erie, PA, USA)


CLP … broaden your experience

I joined GE as a Business graduate from Cardiff University, looking to build a career in Financial Services. Following a challenging but enjoyable 5 years at GE Capital, working in different Commercial roles within our Equipment Finance UK business and the Capital EMEA HQ Commercial Excellence team, I joined the Commercial Leadership Program in July’2013.

In GE it’s important to be confident in your own abilities, and start developing your skills in advance of when they might be needed. I had heard people talk about ‘owning your career’, and over the last few years this has been my philosophy (and its paid off!). I took the role in HQ Commercial Excellence, which pushed me completely out of my comfort zone, gave me broader exposure to different leaders, and work with people from different cultures. It was during this time that I first became aware of GE’s leadership programs, so I made the effort to spend time with people ‘on program’, understand what the benefits are of leadership programs, and whether this was something I would be interested in

The CLP (as affectionately known) is a 24 month program that is designed to develop the Commercial and Marketing skills of an individual through a strong core curriculum of training and challenging assignments. I will be undertaking three very varied 8 month rotations within different GE Capital UK business, as well as attending valuable training courses, and gaining exposure to experienced Commercial mentors. The program is designed to help accelerate my career and develop talent to be future Sales Leaders, General Managers, P&L Leaders and CCO’s within GE.

My first rotation is within the Risk/Underwriting department of the GE Capital UK Corporate Lending team, supporting the team throughout the deal underwriting and execution processes. My tasks have included working on detailed credit documents with the Senior underwriters, preparing detailed Collateral analysis, analyzing business financials and meeting face to face with prospective customers to understand the strategic plans for their business. Whilst I have also had the opportunity to work on and run some strategic projects across the Commercial lending business to ensure we have simplified process to enable us to attain our goal to “grow and be safe and secure”.

For me, the benefits of CLP are clear; it provides me with exposure to senior leaders, significant development and the opportunity of an accelerated career path…..if you think you might be interested in one of GE’s leadership programs, make the time to find out about them….its hard work, but worth the effort! Whilst broadly speaking it is a very exciting moment to be on the CLP now as APAC and EMEA are merged together as GE Capital International Cap International and we look towards further growth in ‘14.

Written by: Simon Hoskins (GE Capital/ United Kingdom)


Travelling: Food + People + Culture = A good fattening life experience!

Travelling is often a very interesting activity to do, whether it’s solo travelling, backpacking or even via tour packages. Being an avid traveler myself, my all-time favorite way of travelling is backpacking with my friends.

Why travel? I can use the money for savings, say some. But there are certain things in life that money can’t buy, one of it is EXPERIENCE. By going places, we would open up our mind to exploring new experiences ranging from cultural differences to delicious food. FOOD is something that I will not miss when I travel. I recall trying “exotic” food like Balut (duck embryo that is boiled and eaten in the shell) which is a hot delicacy in the Philippines.

Not to mention, for all you spicy food lovers, Indonesia has a lot to offer particularly in the Java Islands where their famous “sambal” can bring tears to your eyes, but you will never stop.

Here are some tips that will be very useful if you plan to travel (backpacking):

  1. PLAN your trip. You can save $$$ by planning ahead. In the era where flying can sometimes be way cheaper than taking coach, ferry and etc, budget airlines has got a lot to offer. Lookout for cheap fares from Ryan Air, Air Asia and other budget airlines.
  2. Utilize websites which offers cheap accommodation packages like and If you are backpacking traveler, you will realize that most of your time is spent on the move exploring places. So places like backpacker’s lodge will give you a good value for your money and if you are lucky, you can save up to 80%!
  3. Be Prepared: Study the culture and understand how to be safe. This will help you to be alert of your surroundings and always keep an eye on your belongings. Keep the embassy’s number with you just in case you need it. Watch out for the rain if you are planning to head to Asian countries. Bringing a “poncho” with you is highly recommended.
  4. Stay healthy, stay hydrated: Some countries can be really hot during summer and throughout the year. It is important to stay hydrated and bring a bottle of mineral water with you. Also, if you have medical condition like Asthma, be sure to carry your inhaler with you.
  5. Respect: Respect the local culture wherever you go. In places like Malaysia for example, it is important that you take off your shoes before you enter the house and there are many other cultures that you may find very different from what you normally see. Avoid getting into any kind of trouble with the locals, and say thank you as a simple “thank you” from you will bring a big smile to their face.
  6. Spend less on shopping, spend more on exploring : I know a lot of us cant resists the urge to shop particularly some fancy souvenirs when we travel, but if you are on a budget travel reconsider your shopping plan. Shopping too much not only adds your bag weight, but also drills a hole in your wallet!
  7. Wifi : Gone were the days when we have to either switch on our expensive telco roaming or get a local simcard to call back home. Nowadays, you just need a smartphone, some good apps and a hotel/lodge with WIFI. Apps like Viber, Skype, and LINE does the trick!

Last but not least, BARGAIN! You will be surprised on how much you can save by bargaining. Some things are just overpriced because tourists come and go, but your bargaining skills will tell you how far you can go. This is something I have been trying to improve on as well.

I hope the tips above will be helpful and happy travelling!

Written by: Pravin Nair (GE O&G/ Newcastle, UK)


A Rotation in a GE Hub: Houston, TX

When I found out that I was moving to Houston for a rotation, my first thoughts were to become immersed in as much American culture as possible, especially with all things Houstonian and Texan. After some research, I found out that Houston is the 4th largest city in the US (New York, Los Angeles and Chicago are bigger since I knew you were all curious), that Houston is also the O&G pole of the country, that it is known as the largest group of healthcare institutions worldwide, and of course “Houston, we have a problem” – it’s home for the NASA Mission Control Center. Boots, cowboys, guns, the southwest feeling, and a touch of Mexico… All things that make Texas Texas!

From my experiences, I've found all of these things to be true. All of usual aside, I also learned that Houston has many museums, is a very young city (with many of those being professionals in O&G), has Latin American culture everywhere with typical grocery stores and “taco trucks” on many corners, as well as terribly annoying traffic.

Walmart, outlets, the car-culture, big families, red velvet cupcakes, churches, war veterans begging for money in the streets, trucks… All these American dreams (or nightmares) are here.

What I didn’t know was that it wouldn’t be just an American experience but also a very international one. Since the biggest energy and O&G companies in the world are centralized in Houston, it’s a common location for expats and of course, CLP rotations. I was able to meet people from all around the world: India, Canada, Russia, Spain, Algeria, various South and Central American countries, China, etc.

Florence is another popular location for O&G rotational programs, and in a short while London will be as well since we’re moving headquarters there.

Let’s take this opportunity to learn more about “GE geography”: Where else do we see these hubs in GE?

Written by: Fernanda Danielle Rodrigues (Oil & Gas / São Paulo, SP, Brazil)


APAF involvement in Toronto

For the past one year in the Great Toronto Area (GTA) for my GE Capital CLP rotations, I have witnessed numerous events and activities held by GE APAF Toronto Hub and the impact they have created. The APAF Toronto Hub was officially launched in June of 2011; while still young, this group offered many creative events, ranging from CN Tower Climb in support of United Way to Lunch & Learns with a LinkedIn consultant.

One of the APAF events that I recently co-led was the Creative Networking Event held on Thursday, November 21st, 2013 at a local restaurant bar with more than 50 members who attended. This event featured a night of interactive and fun activities with six senior leaders (including the CFO of GE Canada). The attendees rotated through four tables and had the opportunities to discuss and ask questions with each senior leader on four topics (PIE + Success) – P (performance), I (image), E (exposure) and how to define your own success. The discussions were well received by our members as they shared many valuable key takeaways in the end. This event successfully ended our year of 2013 with more creative ones to come in 2014!



Written by: Liz Meng (Capital / Mississauga, ON, Canada)