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When it comes to real estate and negotiating the best mortgage rates, you must have heard of Lending Tree.com and I’m prepared to bet that the name has a familiar ring to it for you. Well, it is derived from an interesting concept to do with personal financial improvement and wealth creation, the money tree. I couldn’t tell you where it comes from but I have a suspicion it is based on the title of some book by a self-help guru. The principle is that your start small (a seed) and then the “money tree” grows exponentially by the use of compound interest and other such monetary wonders until it is this huge great 120 foot monster of a tree, your personal stash of cash. Hmmm. No wonder the book is lost in the mists of time, if there was such a book at all. Does anyone know? Anyhow, inflation is to money what deforestation is to trees, I think. No, I’ve never seen that money tree phenomenon at work in my life, but then I don’t have that amazingly luminous and optimistic approach to life that Napoleon Hill and the all the people he interviewed for his famous book “Think And Grow Rich” had in bucket loads. Just a few he spoke to were Henry Ford, George Eastman, William Wrigley Jr, Theodore Roosevelt, John Wanamaker, Wilbur Wright, Charles M. Schwab, John D. Rockefeller and F.W. Woolworth. All of whom had pretty impressive money trees without reading the book. Oh yes, and Wm. Howard Taft, Luther Burbank, Frank A. Munsey and Dr Alexander Graham Bell. Seriously energetic and rich guys.

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