Figram – Financial Gramacy by Tom Cincala


Hi and welcome to the website dedicated to FINANCIAL GRAMACY -“FIGRAM”, an asset* creation strategy for all who want to educate themselves and create their own financial independence.

The long-term creation of financial independence (personal and family assets) is an important step toward life harmony, success, and, overall well-being. Did you ever think about the idea of “How to earn passive income?”Has a nice ring to it, doesn’t it? After reading books like “Rich Dad Poor Dad” I became obsessed with making passive income. Whenever someone needs additional income, the stereotypical suggestion offered is to “get a part-time job.”But what if you don’t have the time or energy to put in all those extra hours? I know I didn’t. Plus that wasn’t as appealing as making money while I was trading time for money. For that, you may need some passive income ideas — ways to make money with little investment of time and effort on your part. Before you get started, read the basics of financial literacy and create a simple asset creation strategy. This will save you time and money!

TIP! Pide Lo Maximo

Download my free ebook Pide Lo Maximo(Spanish) – click HERE.

Download my free ebook Strategies of personal assets, their creation, and structure, STA(English)Download my ebook Strategie Tvorby Aktiv ( Czech).

Here’s a list of quite a few passive income ideas, so it’s likely that you’ll be able to find at least two or three that will work in your situation:

  • Start a Dropshipping Store. Dropshipping is one of the most profitable passive income sources you’ll find online. …
  • Start a Lifestyles Digital Marketing Business/Online 24/7 Store.
  • Run a Blog. …
  • Write a Book. …
  • Create a Course. …
  • Instagram Sponsored Posts. …
  • Create a Print on Demand Online Store. …
  • Create an App. …
  • Invest in special Stocks. …
  • Buy Property for Rent.
  • Contact me for other ideas…

How to create assets and passive income?

There is no need to convince anyone how important it is to have money and financial success today. We often forget about financial literacy education and leave everything to “financial experts”.

Without common sense and basic knowledge of finance, investment, and emotions, financial independence or well-being cannot be achieved in the long term. For this reason, a membership section has been created where you will receive additional support and bonuses. Click here to enter the membership section.

* ASSETS – something you bought or created and regularly brings you passive income.

* Thus, an asset is generally understood as something that brings some revenue, passive income, or is expected to yield to the owner in the future. In the field of accounting, the term asset refers to any company assets (finance, but also real property), in the field of investment it is understood as an investment instrument held for the purpose of income.

In 2014 I wrote an eBook “Strategies of personal assets, their creation and structure”, in the Czech language: “Strategie osobních Aktiv, jejich tvorby a struktury”.


Best regards

Tomas Cincala

P.S. You can find all the necessary basic knowledge and fundamentals to successfully invest and earn passive income in the eBook “How to create assets and passive income?”.

Here’s my eBook, where you can find quite a few passive income ideas.





We are seeking distributors worldwide to implement our sales network. Lifestyles GN already operates in 31 countries worldwide and You can have a share in the international trade.

Are You Interested to be a premium distributor of Lifestyles INTRA based in your country or region? Do you want your contact information to appear on our international page, so that all prospects ( where Lifestyles GN open) will purchase or sign up under you? Email us for details!

Join The Global Intra Team Right Now!


 You may be…

* An Employee

* Fresh graduate or student looking for a part-time business for extra cash

* Unemployed and looking for ways to earn a living

* A retiree

* Someone who dreams of having your own business someday

* Having that 2-4 jobs

* Someone who values his family’s health and wants to make a lifestyle change…


* Download our BOP OPPORTUNITY Presentation (click here).

or watch our Business and Health Presentation ( click here).

and see what we can offer to you!


* Be part of the pioneering team and be a direct distributor of the Products from Canada.

* Be a Wholesaler or Retailer and earn an income of 20-40%.

Many people have spent a decade or farther away from their friends and families in order to earn enough money for their loved ones. Because of this, some of them have saved enough money to be considered potential capital for a local business or investment back in the HOME.


Investing in a small business 

Investing in a small business is definitely a good idea, especially if you wish to retire and still have a steady source of income.



Have you ever thought, there has got to be an easier way of making money?

Do you or does anyone you know, need to make more money?

If the answer is yes, contact us and explore a better way to secure not only your future but also the future of your children.

lifestyles gn

Click to download more info:

  The Lifestyles GN Canada Company Profile

  Lifestyles Compensation Plan

People around the world, just like you, are taking advantage of our proven Lifestyles GN Business Opportunity. Some are building new avenues of wealth and financial independence, while others are looking to supplement their income.

The Lifestyles Opportunity has created several self-made millionaires and has improved the health of millions worldwide. With Lifestyles, you will benefit from a business built on our industry-leading products. Not only will you enjoy improved health by using Lifestyles products, but you will also experience personal growth and fulfillment as you progress through the Lifestyles Distributor Career and Compensation Plan.

Profits Lifestyles

Lifestyles is an established and secure company that you can partner with in complete confidence. Join the Lifestyles family today and be a part of one of the most respected businesses in the industry, recognized as a world leader in building success through health and wealth. Your path to better health and financial freedom starts with your drive to succeed! So what are your dreams for the future? We can help you get there!


Can anyone become an independent distributor?

Yes! If you want to earn money and are prepared to invest a small amount of your time. For legal reasons, you must be over 18.

How do I make money? 

There are several ways of making money. You decide if you want to make a small amount of money to supplement your income, or a larger amount of money to perhaps replace your income. We will tailor a program to your needs and skills.

Does it cost me anything? 

Apart from a registration fee to cover essential paperwork and product (INTRA TRIO) you can start earning money immediately with no initial investment.

Do I have to be able to sell things? 

If you want to sell things you can. However, if you do not want to sell things we can show you an alternative way.

How much time will I need to invest? 

You can invest as much or as little time as you like, we will tailor a program to suit your situation. Remember this is your own business.  You can start with 10%, 20%, 25% or 30% discount. But we will help You get a 40% discount as soon as possible!

Do I need a website? 

Yes. We will help You build Your own personalized website (, but If you want a website that’s great you don’t actually need one as I built my business without one to start with. Getting a website couldn’t be easier and could be free.

So what do I do next? 

You get in touch with us as soon as possible, then we can start working with you and showing you what we have done to become the success we are. You can contact us by phone or e-mail, whereby we will get in touch with you within 48 hours.

What if I decide it is not for me? 

That’s fine. We want to work with people who are happy with what they are doing. The decision is yours.

Business Building Tools

With Lifestyles, you are in business for yourself but you are never by yourself. From the very beginning, you’ll receive step-by-step training and support tools to help you establish a solid business and reach your income goals through Lifestyles Distributor Success Programs.

As a Lifestyles Distributor, you’ll receive:

Exclusive business building tools (Distributor kit) + Distributor Success Training Guide

Your own personalized website (

Your own Personal Business Center (PBC)

Business building reports

Business Opportunity Presentation (BOP)

Online shopping 24/7 access

Social media support (Facebook/YouTube)

 Support through Lifestyles Corporate Website

The Global Intra Team Support

Every year Lifestyles rewards and recognizes Distributors for their achievements at international events, national galas, and leadership meetings.  These events provide Distributors with the opportunity to network with peers, create lifelong friendships, and hear inspiring success stories from fellow Distributors around the world.

Lifestyles is always adding new business tools to ensure your success as a Distributor. Take advantage of Lifestyles business building tools and grow your business beyond your wildest dreams.


Click to download more info

  The Lifestyles GN Canada Company Profile

  Lifestyles Compensation Plan


Join The Global Intra Team Right Now!


Wealth Warning! Much has been written over the years about the extremely high incomes that can be earned through network marketing. Lifestyles is no exception with some of the highest earners in the industry. On the other hand, however, not everyone has the desire to achieve such great wealth. In order to better inform you on what a typical distributor can expect to earn, we provide the following statement: „A typical distributor in Canada and the United States who has been in our business for over one year and has purchased more than $200.00 of a product has an earning range of $399.00 to $2,000.00 per year. However, approximately 17% of these Distributors earn between $3,000.00 and $9,000.0 per year, and almost 8% earn between $10,000.00 and $20,000.00 per year.“ Now you decide! If you are a dreamer and would like a style of life worth working for then beware of the Wealth Warning!



It’s easy to become part of the Lifestyles Family! Begin by selecting your country, and fill out the form! Click HERE.

Pide Lo Maximo