We don't teach we inspire!


We help you change the world!

Vadim Kotelnikov

Composed by: Vadim Kotelnikov

Inventor and Founder


Ten3 Business e-Coach















Values being created

"Money can't buy happiness; it can, however, rent it." Unknown

"The only thing money gives you is the freedom of not worrying about money." Johnny Carson

"It is pretty hard to tell what does bring happiness; poverty and wealth have both failed." Kin Hubbard

"Whoever said money can't buy happiness simply didn't know where to go shopping." Bo Derek

"If you would know the value of money, go and try to borrow some." Benjamin Franklin

"The greatest luxury of riches is that they enable you to escape so much good advice." Sir Arthur Helps

Targeted market

"Wealth is any income that is at least one hundred dollars a year more than the income of one's wife's sister's husband." H. L. Mencken

"I don't like money actually, but it quiets the nerves." Joe E. Lewis

"Money couldn't buy friends, but you got a better class of enemy." Spike Milligan

"Money isn't everything but it sure keeps you in touch with your children." J. Paul Getty

Brief history

"I was so poor growing up ... if I wasn't a boy ...I'd have nothing to play with." Rodney Dangerfield

"When I was a kid I used to pray every night for a new bicycle. Then I realized that the Lord doesn't work that way so I stole one and asked Him to forgive me." Emo Philips

"They were a people so primitive they did not know how to get money, except by working for it." Joseph Addison

"I made my money the old fashioned way. I was very nice to a wealthy relative right before he died." Malcolm Forbes

"Money, it turned out, was exactly like sex, you thought of nothing else if you didn't have it and thought of other things if you did." James Baldwin

Milestones completed and future plans

"It's important to me that money not be important to me." Les Brown

"All I ask is the chance to prove that money can't make me happy." Spike Milligan

"I sold my house this week. I got a pretty good price for it, but it made my landlord mad as hell." Garry Shandling

"Someday I want to be rich. Some people get so rich they lose all respect for humanity. That's how rich I want to be." Rita Rudner

"I can't afford to die; I'd lose a fortune." George Burns

Money Management Skills

"To be clever enough to get all the money, one must be stupid enough to want it." Gilbert K. Chesterton

"Every morning I get up and look through the Forbes list of the richest people in America. If I'm not there, I go to work." Robert Orben

"Anyone who lives within their means suffers from a lack of imagination." Oscar Wilde

"Money never made a fool of anybody; it only shows them up." Elbert Hubbard

"The easiest way for your children to learn about money is for you not to have any." Katharine Whitehorn

Growth Strategy


"Money can't buy happiness, but it can make you awfully comfortable while you're being miserable." Clare Boothe Luce

Operational plan

"If you owe the bank $100 that's your problem. If you owe the bank $100 million, that's the bank's problem." J. Paul Getty

"Don't stay in bed, unless you can make money in bed." George Burns

"I'm spending a year dead for tax reasons." Douglas Adams

Development risk

"The more you chase money, the harder it is to catch it." Mike Tatum

Risk management strategy

"It is better to spend money like there's no tomorrow then to spend tonight like there's no money." P.J. O'Rourke

"I've got all the money I'll ever need, if I die by four o'clock." Henny Youngman

Growth risk

"When Wealth walks in the door, the Press Agent comes in through the window." George Ade

Risk management strategy

"I have always said that if I were a rich man, I would employ a professional praiser." Osbert Sitwell

Other risks

"It is the wretchedness of being rich that you have to live with rich people." Logan Pearsall Smith

"He that is of the opinion money will do everything may well be suspected of doing everything for money." Benjamin Franklin

Risk management strategy

"Another good thing about being poor is that when you are seventy your children will not have you declared legally insane in order to gain control of your estate." Oscar Wilde



"Finance is the art of passing currency from hand to hand until it finally disappears." Robert W. Sarnoff

"Acquaintance is a person whom we know well enough to borrow from, but not well enough to lend to." Ambrose Bierce

"If you marry for money, you will surely earn it." Ezra Bowen

"What's the use of happiness? It can't buy you money." Henry Youngman


"Money won't make you happy... but everybody wants to find out for themselves." Zig Ziglar

"Money is always there but the pockets change." Gertrude Stein

"When a person with money meets a person with experience, the person with the experience winds up with the money and the person with the money winds up with the experience." Harvey MacKay

Marketing strategy

"God makes, and apparel shapes; but it's money that finishes the man." Thomas Fuller

"I believe in the Golden Rule The Man with the Gold . . . Rules." Laurence Tureaud

Funds Required and Uses

"A bargain is something you can't use at a price you can't resist." Franklin Jones

"In order to get a loan you must first prove you don't need it." Murphy's Law: John's Collateral Corollary

"Making money is a hobby that will complement any other hobbies you have, beautifully." Scott Alexander

"I just need enough to tide me over until I need more." Bill Hoest

"Part of the $10 million I spent on gambling, part on booze and part on women. The rest I spent foolishly." George Raft

Financial Projections

"I have enough money to last me the rest of my life, unless I buy something." Jackie Mason

"So many people spend their health gaining wealth, and then have to spend their wealth to regain their health." Jackie Mason 


Financial Success

21 Success Secrets of Self-made Millionaires

Chinese Proverbs about Money

Venture Financing

Step-by-step Guide to Venture Financing

4C's of Commercial Lending

Personal Success 360 (Ten3 Mini-course)

Humorous Business Plans

Success In Love

Successful Marriage

Great Communicator

How To Succeed In Innovation

Free Downloads

I Create Millions (e-book)




  1. Finance Wars Save money, build wealth, and survive the impact of globalization.

  2. Venture Financing How to make your business attractive to venture capital investors (Ten3 Mini-course)

  3. 28 Ways To Finance Your Venture 7 reports



Three SMART & FAST Ten3 Mini-courses

200 powerful Ten3 slides  ►  Click here!