UR WEALTH

Rules some billionaires use. 1.- Before you earn high wage, try live with right amount, never end up payment tax above 20k, or wage above 50k .2.- Never change car, a new car is 10% license fee, and a 21% vat. 3.- Never use a suppllier in EU, all have a retention of 25% of personal tax, plus 21% VALUE ANNIQUILATOR TERMINATOR VAT, plus if the lawyer is good, then up to 25% income tax. So better use a lawyer,writer, marketing, supplier... in Singapore, Panama, ... or a country that exports have no tax. For example we use always companies in other countries to sign contracts. Also spanish law for bankrupcy is stone age and only 95% companies make it after 6 years foghts and the vampires take all the money, so alweays make contracts with foreign companies, never the initial contract with a Spanish company. Many cases have occurred that all savings put to a spanish company that goes bankrupt and justice does not exist in Spain, they care not if your pension is swalloed, judges have been tought like that, not is not possible to make them be SCR, just forget it, they rahter make strike and blow a whistle. only retention is a 17% fixed income tax, and no tax for imports. Always before you buy study the tax, try to avoid. If they had indicators of efficiency like justice at 35% and Denmark 85%, happy to pay, but if below 95% is better you get such 100%. 4.- Never sell a house, or make profit out of utility, better never to move things, system is so thick made exclusively to make you pay, like universities , associations, cities, diputaciones, local govt, central govts... they generate no Utility are only a cost, so unless emergency do not pay. Football clubs making U change clothes yearly, administrators of buildings stealing time and money with no responsibility, or accountants... 5.- Always complain to public system in email and ask returned reply in 24hours, humans have that right and U pay for it. The scuse they have is not to reply in meials, that makes them 90% obsolete, they no need offices, personnel, telephones, cars, ..Why pay economic activities tax, owners tax... they are never to apply social corporate responsibility and reduce tax, never, so they are to grow always expenses,unless you stop non emergency payments. But If U want be poor, up to you, heres the way others like Warren Buffet have done. 6.- Complain amount of public cars, wages, .... to UN.This 400€ limit is theft, accumulated public cars is not same as a one off car, public theft bmust be considered accumulated. Like if there are 200k public buildings, why not sell 199,999 and all work in one to share costs? 7. Complain how public entities like water in bilbao with a budget of 225M€, they not want to reduce costs and obtain social corporate responsibility savings in security, office space, secretaries, cars, parkinf spaces, directors... whils their job can be a drone. &Tipification required by EU judges, local judges better at home. 8.- Make press use SCR, like never again talk about politicians, do not allow them to travel, max wage they should have 20k, try not to talk to them to show that not happy poverty due them. 9.- This is very bad news to those that have to charge a 25% retention and 21% vat, lawyers, and so on. So bad. Change laws and complain or close.10.- Before you buy something study the tax, and if any do not buy. Inform your kids about walth management, if your mother or father is a public worker ask them to be SCR. 11.- Bilbao football players have 50% income tax, and business persons no, thats discrimination. NO public authorities have replied to theese complaints., But yes, inorder SS steal from us 130k€ they can and if U talk then they harrass. 12.- Try study university out of Spain like I did, you will learn to think alone.For example officers education system in all the world a rating can end up being officer, but not in Spain, thats meaningless money. All cause teachers care about them, not the students, simple. Like that all institutions, associations.... 13.- Never get dividends from profits, always reinvest money so you never pay tax. Never play lottery or bets, learn basic statistics. To be a Messi is 1 in 7kM inhabitants, so probability=0,0000000001, but if you study out of Spain in Germany, Finland, UK... the probability to earn 80k€=100%, so in 12 years millionaire. Same statistics apply to all bets, pls make mathematics before you spend any €, and if there is any tax, keep the €. 14.- These savings will aprox make U save around 40k€ per person, if is a couple, then 80. So in 12,5years U will be millionaire. 15.-Shipping is an industry with no export Value anniquilator terminator, or retention for services, but transparency of internationala invoicing % still to work how much profit allocated to income-profit-manpower-ships-flags-brain-fingers-inquisitors-..., and around 90% tax reduced, so is the only industry in good position, unless of course the SICAVs where you do not pay tax if not get money out, so think about it not, DO IT. 16.- Ur friend at work has a great potential to steal his part out of, U know him/her better, and all done. So keep working to Ur wallet, this is business.

Aprox working life is 50yrs, so a total 4M€.