Guillermo Cruz Rotger

C/e/o Pingus Investments Inc

7a. Poor people compete.

When a poor person sees an opportunity, they find out how others are doing it and emulates them. Most often, they never consider another way of doing it. Instead, they settle in the belief that doing what others are doing is the best thing they can do for themselves.

7b. Rich people create.

My rich neighbors were disgruntled when they found that their Porsche did not come in a specific shade of green, which they deeply wanted. Because of this, they decided to custom build their green Porsche with unprecedented specifications. I've never seen such a thing!


1a. Poor people are skeptical.

I distinctly remember a former coworker of mine saying, "Those mechanics are a rip-off! They're always looking for the weak people. They'll charge you when you're not looking!!" He thought that everyone unjustly wanted his money and that everyone is out there to get him.

1b. Rich people are trusting.

, a lot of rich people leave their car and house doors open. Conversely, in areas of poverty, you'll find that this behavior is highly unlikely to happen. Rich people have the tendency to trust those they meet (within reason) and give others the opportunity to be themselves.

6a. Poor people think money is more important than time.

Millions of people all over the world are trading their precious time for money. You can always get $500 back, but you can't get 50 hours again. Nonetheless, the majority of people trade time for money and never realize their true potential because of it.

6b. Rich people know that time is more important than money.

Rich people never trade time for money. Moreover, they seek fulfilling experiences that dramatically alter their lives. Their careers are more focused on doing what they love and helping others, instead of merely clocking in for a meager paycheck.

You cannot be big in finance without huge difficulties. 


Pingus Investments IncImportance & Scope Of Corporate Finance. ... It involves managing the required finances and its sources. The basic role of corporate finance is to maximize the shareholders' value in both short and long-term. Pingus Investments Inc. understands the financial problems of the organization beforehand and prevents them.

4a. Poor people say, 'they' and 'them.'

In the grocery store, the woman at the register said, "They never have enough cashiers. I don't know what's wrong with them." Obviously, this woman did not take any ownership and responsibility for her job. She certainly did separate herself from the job that was paying her.

4b. Rich people say, 'we.'

At one of my favorite restaurants, the server said, "We take great delight in cooking our steaks in a real fire." His sense of pride and ownership stimulated me, which allowed me to give him an honorable tip. Surely, you will be rich when you invest more in what you believe in.

5a. Poor people want the cheapest way.

I was once shopping with a friend who only wanted to buy if they could find the cheapest clothing. They would rush to the clearance rack and pick up clothes that they didn't even want, but ended up buying because of a "deal." Unfortunately, they ended up never wearing it since they only bought the price.

5b. Rich people want the best way.

Rich people will go the extra mile to find quality material. They don't limit themselves to price and often seek service while they shop. Rich people want organized services and will never settle with items that are worthless and unusable.

2a. Poor people find fault.

People who are poor are always looking for problems instead of the solutions. They end up blaming their environment, circumstances, jobs, weather, government and will make an extensive list of excuses as to why they cannot be successful.

2b. Rich people find success.

Rich people understand that everything happens for a reason. Rather than letting life happen to them, they take direct action and make big things happen. They put aside all the excuses and eradicate their blame lists because they have to do what must be done.

Did you know: In 2019, total world wealth grew by $9.1 trillion to $360.6 trillion, which amounts to a 2.6% increase over the previous year. Last year, growth in global wealth exceeded that of the population, incrementally increasing wealth per adult to $70,850, a 1.2% bump and an all-time high.


3a. Poor people make assumptions.

When it comes to knowing the truth, poor people often make assumptions. If they want to reach out to a celebrity, they might say, "They probably don't have time to talk to me." Instead of checking the facts or asking questions, they never make a true attempt when it comes to getting what they want.

3b. Rich people ask questions.

Many rich people ask the question, "What if?" For instance, "What if I wrote an email to the president and he or she answers?" If you begin to ask questions, you will save yourself a lot of hassle. The power is in the hands of those who ask the right questions. They don't answer your questions, question your answers.

8a. Poor people complain, condemn, and criticize.

Most poor people have learned how to be poor from their predecessors. Their family members have conditioned them to believe that everything is "wrong" instead of right. If you've ever heard someone ask, "What's wrong?" you'll know what I mean.

8b. Rich people praise and enjoy their blessings.

Rich people know that they have many privileges and they don't take it for granted. Because of their appreciation of gifts, love, and circumstances, they are able to generate more. Many times, what gets praised gets prospered.

I've been rich and I've been poor. I know both sides very well.

Growing up poor, I knew that I wanted to be rich. I came a long way and studied the subject all of my life. Over time, I have discovered that if you're not living in prosperity, you're living in poverty.

Wealth is a choice that we must all make. Bill Gates once said, "It's not your fault if you were born poor, but it's your fault if you die poor." There's no reason why you should live in poverty. Wealth is waiting for you, but you have to make up your mind if you want it in your life.

For a long time, I struggled to believe that I could eventually become rich. It wasn't until I observed the differences in thoughts and actions between the "haves" and the "have-nots."

Here are 10 major differences between rich and poor people:

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To all the people in my life today, thank you for helping me understand that reasoning has let me see above the top of the mountain to help others be here with me. 

10a. Poor people have big television sets.

Poor people take a lot of time to drift off to sporadic images of which they often have little to no control over. They use their free time to avoid the art of thinking (which is the most challenging task) and zone out to what many have conformed to believe is "entertainment."

10b. Rich people have big libraries.

Wealthy people are educated and read a lot of books. They use their knowledge in a way that benefits them. Instead of drifting off in random activities, they seek to get within their minds to understand themselves, others, and the world in which they live. In fact, as your personal library increase over the years, so will your home. I can attest to this!

To get a true perspective on how to become rich, you must study rich people. After all, you become what you study. If you're currently surrounded by people who aren't yet rich, just do the opposite of what they do. Soon enough, you'll be able to reach your financial dreams!

Related: 10 Phrases Every Millionaire Avoids

The Jesuits and the global finance system

Because today, the true dominant global wealth of the Roman Catholic Church is so well hidden behind hundreds of thousands of trusts, companies, cross ownerships and secretive laws, any discussion regarding the complete control of the Catholic Church and the global financial system is difficult to fathom with any credibility.

Automatically, the natural reaction is to classify such discussions as conspiracy. In truth, the global financial system that we know today and the world economy would not have occurred, if not for the events that saw firstly the Jesuits disbanded, a war resulting in the assassination of two Popes before finally the Jesuits achieving a lasting treaty from 1814 onwards and the restatement of the most powerful order in church history.

Unlike the greedy Popes, the Jesuits saw the vast wealth of the church as a strategic asset that could be used more precisely to ferment revolution, finance war, change governments and defeat their long time non-Catholic enemies.

Again, unlike the insular Popes, the Jesuits had seen the power and success of using business and finance to build influence through its phenomenally successful relationships in Japan, other parts of Asia, Russia and the Americas.

“To accomplish great things, we must not only act, but also dream; not only plan, but also believe.” 

9a. Poor people seek amateur advice.

They often listen to the opinions of others and seek approval from acquaintances. They believe almost everything they hear without questioning authority. They accept opinions as facts and prohibit themselves from doing research once satisfied with an answer.

9b. Rich people seek expert advice.

Those who are rich have learned to think for themselves. If they cannot figure out something, they seek expert advice. Usually, they pay for advice and are given a wide variety of options. They learn the experts only make suggestions, which means that they aren't particularly confined to a specific action.

The Jesuits had the first hand experience of the pioneers of the modern finance system, the English Protestants ( Jesuit insiders within this movement) in the 17th Century as a case history in the power of finance to power the rapid expansion of an Empire.

Banks and in particular Private Banks were also a powerful tool for achieving strategic objectives and also provided an effective means of hiding the wealth of the Vatican, both from the Pope (from whom it was initially stolen) and from other forces.

In banks and the establishment of the global finance network, the Jesuits discovered for the first time a means by which they could literally play two or more sides against one another, without anyone being the wiser, excluding the bankers of course, and at the same time make money from funding the conflict.

In the past, Jesuits had focused primarily on assassination and court influence, both fraught with great personal peril. But in building the global financial network, allied with loyal families, themselves aligned to the ancient Jewish noble families, the Jesuits could effectively start huge wars and never risk direct implication.

Founded Name Nation Status
1602 Dutch East India Company Netherlands Private
1672 Hoares UK Bank
1690 Barclays UK Private
1692 Coutts UK Bank
1694 Bank of England UK Central
1695 Bank of Scotland UK Bank
1727 Royal Bank of Scotland UK Bank
1741 Wegelin Switzerland Bank
1755 Bank Leu Switzerland Bank
1762 Hope & Co Netherlands Private
1784 Bank of New York USA Bank
1787 La Roche Switzerland Bank
1796 Lombard Odier Darier Hentsch Switzerland Bank
1796 Darier Hentsch & Cie Switzerland Private
1799 Bank of the Manhattan Company (now JP Morgan Chase Bank) USA Private
1800 Rothschild Germany Private
1805 Pictet Switzerland Bank
1762/1806 Barings Brothers & Co Bank UK Private
1812 City Bank of New York (now CitiBank) USA Private
1816 Mirabaud Switzerland Bank
1817 Bank of Montreal Canada Bank
1818 J. Henry Shroeder Bank Germany Private
1820 Nordea Sweden Bank
1822 DnB NOR Norway Bank
1824 Algemene Bank Nederland (now ABN AMRO) Netherlands Private
1828 Centreville Bank USA Bank
1832 Scotiabank Canada Bank
1839 Hambros France Bank
1848 Lazard USA Bank
1850 HSBC Hong Kong Bank
1854 Swiss Bank Corporation (now UBS AG) Switzerland Private
1856 Credit Suisse Switzerland Private
1860 J. P. Morgan (now JP Morgan Chase Bank) USA Private
1863 Crédit Lyonnais (now Credit Agricole) France Private
1863/71 Amsterdam-Rotterdam Bank (now ABN AMRO) Netherlands Private
1864 Société Générale France Private
1870 Handlowy w Warszawie SA Poland Bank
1870 Deutsche Bank Germany Private
1870 Chase National Bank (now JP Morgan Chase Bank) USA Bank
1904 American Bank of Italy (Now Bank of America) USA Bank
1912 Union Bank of Switzerland (now UBS AG) Switzerland Private
1913 Federal Reserve Bank USA Private
1930 Bank for International Settlements (BIS) Switzerland Private

The important pattern to note is the general groupings of dates of bank formation and their significance. The first is the formation of banks by English Protestants ( Jesuit insiders) during the end of the 17th Century. This marks a watershed moment in the economic architecture of the first phase of the British Empire.

The second pattern is the grouping of banks formed in the Netherlands and Switzerland just prior to the suppression of the Jesuits around 1767 by Portugal, Italy, France and Spain.

The third pattern is the grouping of banks formed during the active suppression of the Jesuits and their war with the Vatican and Popes from 1773 to 1818 in the United States, Switzerland, Germany and the United Kingdom.

This group of banks created during the Vatican-Jesuit War is probably the most historically influential, secretive, political of any group of banks in human history. Almost all of them have been implicated in an assortment of allegations from funding of wars, crimes against humanity, treason and money laundering.

The Darier Hentsch & Cie Bank (1796, Switzerland) was the bank that happened to fund Napoleon his European Wars that saw the Papal States and influence of the Vatican crippled.

The Rothschilds (1800, Germany) are famous for suddenly acquiring massive wealth almost overnight and then proceeding to fund numerous European Wars, Asian Wars including World War I.

Barings Bank (1802, UK) is famous for organizing the purchase of Lousiana by the United States from Napoleon during his war with Britain.

City Bank of New York (now CitiBank) (1812) is famous for helping finance the North side of the Civil War, US involvement in World War II, US business in Nazi Germany and US involvement in World War II.

J. Henry Shroeder Bank (1818, Germany) is famous for being the almost exclusive bank for the Nazis.

Of the top 20 banks of the world today, over half originate from the period 1760 to 1860 which saw the Jesuits disperse the massive wealth of the Catholic Church to all parts of the globe, especially great influxes into the United States.

In terms of Private Banks, in 1986, the total asset value held was said to be US$4,300 Billion. In 1997, the figure has more than doubled to $10,000 Billion. In year 2000 alone, the figure hit $13,600 Billion trillion, and is currently still growing at a rate of 30 percent per year. The current estimate of total asset value of deposits held by private banks is around $17,000 Billion.

The Federal Reserve Bank and the Catholic Church
Indirectly, the most valuable banking investment of the Roman Catholic Church is its investment control of the Federal Reserve Banks of the United States.

Through a highly complex arrangement of small holdings across sometimes thousands of banks and cross-ownership holdings hiding foreign ownership, the Catholic Church has effectively controlled the Federal Reserve Bank and therefore the destiny of the United States economy since the turn of the 20th Century.

The Catholic Church has only ordered the complete pulling of the plug of the United States economy once in 1929 to the early 1930's effectively grinding the economy to a halt during the Great Depression along with Europe.

While an extremely high risk strategy that could have caused another Civil War in the United States, the action was necessary to generate suitable conditions of poverty in Europe for the rise of Catholic appointed dictators in Germany, Spain, Italy as well as South America. Without the deliberate action of the Catholic controlled banks, the Great Depression would not had happened and by default World War II would not have taken place.

Since its formation, only one President of the United States --a Catholic himself --has attempted to override the power of the Federal Reserve and the Roman Catholic Church by ordering the US Treasury to print its own money. The money was destroyed the day after he ceased to be President. His name was John F. Kennedy.

Putting it all together
Putting all this together, you can see that there is a lot more to who actually controls the wealth of the world and the actions they dictate from time to time that affect whether we will have a job, a home and food to eat.

At the very least we can blame the US Federal Reserve in part --also realizing that this organization remains essentially a set of private trusts holding the US public and the world to ransom with its decisions. Indeed, it is an institution heavily influenced by its Catholic masters.

Yes, collectively we all borrowed too much money. But in reality all we did was ask for a little of the massive wealth stolen and held by others such as the Vatican and the Jesuits to flow through their banks and into our pockets. We weren't really borrowing, just finding a way to get back some of what is rightfully ours in the first place.

The sub prime crisis should never have happened. The Federal reserve could of easily contained the problem and stopped it in 2008. Instead, against all logic they let it get substantially worse.

The answer to the fundamental question of why? why throw the world back into a depression again after 70 years requires a fresh article--an article that explains the structure of the global banking system controlled by the Vatican and Jesuits and how they started to "turn off the credit taps" by Christmas time 2008.