business　accountant；　but　he　had　no　real　estate。　I　switched　because　we　did　not　love　the　same　business。

Find　a　broker　who　has　your　best　interests　at　heart。　Many　brokers　will　。'；　spend　the　time　educating　you；　and　they　could　be　the　best　asset　you　find。　Just　be　fair；　and　most　of　them　will　be　fair　to　you。　If　all　you　can　think　about　is　cutting　their　missions；　then　why　should　they　want　to　be　around　you？　It's　just　simple　logic。

As　I　said　earlier；　one　of　the　management　skills　is　the　management　of　people。　Many　people　only　manage　people　they　feel　smarter　than　and　they　have　power　over；　such　as　subordinates　in　a　work　situation。　Many　middle　managers　remain　middle　managers；　failing　to　get　promoted　because　they　know　how　to　work　with　people　below　them；　but　not　with　people　above　them。　The　real　skill　is　to　manage　and　pay　well　the　people　who　are　smarter　than　you　in　some　technical　area。　That　is　why　panies　have　a　board　of　directors。　You　should　have　one；　too。　And　that　is　financial　intelligence。

7。　BE　AN　〃INDIAN　GIVER〃：　This　is　the　power　of　getting　something　for　nothing。　When　the　first　white　settlers　came　to　America；　they　were　taken　aback　by　a　cultural　practice　some　American　Indians　had。　For　example；　if　a　settler　was　cold；　the　Indian　would　give　the　person　a　blanket。　Mistaking　it　for　a　gift；　the　settler　was　often　offended　when　the　Indian　asked　for　it　back。

The　Indians　also　got　upset　when　they　realized　the　settlers　did　not　want　to　give　it　back。　That　is　where　the　term　〃Indian　giver〃　came　from。　A　simple　cultural　misunderstanding。

In　the　world　of　the　〃asset　column；〃　being　an　Indian　giver　is　vital　to　wealth。　The　sophisticated　investor's　first　question　is；　〃How　fast　do　I　get　my　money　back？〃　They　also　want　to　know　what　they　get　for　free；　also　called　a　piece　of　the　ac