FES Protection Plan

In the climate of today’s financial environment, there exists a great deal of financial victimization. Many times the very professionals who are responsible for making the public aware and helping them with financial decisions are the very ones perpetrating victimization against the very people they should be serving. Of course I will submit that this represents a small minority of financial services professionals yet even that number creates a great deal of pain and financial misery.We presently live in the richest nation and society in the world. Many believe we are the wealthiest society in the world civilization history, of course that is open to debate. Yet, we at the same time have the highest rate of financial illiteracy in the world as well. This has led to a very specific condition which is 95% of all people reaching age 65 and older end up at best financially dependent. That means they are fully reliant on family, friends, social circles, agencies, organizations, churches and at the worst the US government for a portion of their financial needs. NO financial independence which usually equates to no independence.

Two of the greatest financial victimizations that contribute to this dilemma are AMORTIZATION and Credit illiteracy. These two work hand in hand and both have their foundation in financial literacy. Awareness of debt and how to use it properly is one major financial hurdle for all Americans.
The following is from Financial Services Education:

The Biggest Problem in America….Financial Illiteracy

Today, more than ever before, we live in uncertain economic times and the way we do business is changing rapidly. It’s evident that we as individuals must take complete control and responsibility for being better prepared to handle our personal credit rating, financial position and our family affairs. Unfortunately, as youngsters the majority of us were not provided the or essential tools to understand the importance of a credit score or how valuable that credit score would be to accomplish just about anything. At the same time, how many classes did we have on limiting and managing our debt or the significance of protecting our identity, assets and family? Concerning, isn’t it?

Did Your Know:
Over the course of your lifetime, having less than excellent credit can cost you upwards of $1,000,000 in substantially higher interest rates, fees and other unnecessary charges?

Currently, 4 of 5 credit reports have errors on them, causing lower credit scores?

Over 49 million people have a 599 credit score or lower?

Simply put it doesn’t have to be this way, there are solutions and those steps allow individuals to get on the pathway to financial independence. The average American household debt exceeds $225,000 and those same households have less than $500 in savings. The real cause is that debt represents dollars from future you, in the form of unearned income. The penalty on that debt is called interest and those interest payments are further loss of future dollars leaving future you with no dollars to put to work with compound interest. Thus you are compounding losses and the continuation exhausts the time you have to accumulate wealth. Thus debt reduction and the best credit record along with proper use of leverage through debt is how to become financially independent.

AT the Advocacy Network we have strategically aligned with Financial Education Services who has established the perfect solution. This is the FES protection plan which will be the foundation of building your financial independence.

Watch the video   Learn about FES

and then visit

FES Protection Plan  or pick up the phone and call me Karl Schilling 321-947-3220

The Damage of Compounding Losses

The depth of Financial Victimization includes scams, fraud and predatory sales tactics. There is still a great and vast lack of consideration in the marketplace as to truths about financial victimization. It is truly the elephant in the room which is ignored by the public, the media, law enforcement and the financial services industry as a whole. In fact the financial services industry is totally disconnected by their own concepts that financial literacy should begin at home. If the financial services industry takes no responsibility for financial literacy education who exactly will?

So, the two most prevalent cause of financial victimization are lack of awareness and financial illiteracy. Until these two obstacles are overcome the numbers of victims will continue to grow each year. Presently all forms of financial victimization account for $250B+ in annual losses. That’s a GREAT deal of money being lost by mostly people who cannot afford such losses. It is also not a victimless crime and is quite often portrayed in media and entertainment. Suicide is very often a direct result of financial victimization. That is hardly victimless. There is a level of anger, shame, guilt and pain that is experienced by victims.

Yet, with all the illicit financial victimization there is another form that is totally legal and perpetrated against the average American. This financial victimization is known as AMORTIZATION. Every homeowner is a victim, as are automobile owners, student loans and credit cards. All are forms of amortized payments which are nothing other than the spending of future unearned dollars. This is much like the unfunded future liabilities of the government. Now, let’s be clear I’m not preaching against debt, in fact I believe debt or leverage is a tremendous financial tool. It allows us to create the lifestyle and life experience we enjoy in the present, by bringing forward dollars we have yet to earn. The cost for that is interest. Thus interest payments are also payments of future dollars and as such it is compounding losses. These future dollars paid in interest are never recovered and never used for your own personal wealth accumulation.

The best solution is to pay the least amount of interest possible. We all have to pay back some interest because that is the cost of debt, yet we certainly don’t have to pay as much interest as the banks, and other lenders target through amortization tables. In order to stop future losses which are compounded through amortization, you must have the mathematical ability to understand the best use of every dollar that passes through your household. By closing all the cracks and filling all the holes in your finances you have the opportunity to create future wealth of $1.5M or more. How would you like to have $1.5M or so when the 4th Qtr of life appears. Look, the odds are stacked against you. Why? Well, did you know that 95% of everyone who reaches 65 and older is either dead, dead broke or at best financially dependent on family, friends or at worse government. Only 5% attain financial independence.

If you truly wish to tilt the odds in your favor you need to rely on the Prospio Leveraged Banking system. This is the first step to achieving financial independence. Here at the Advocacy Network we have created the complete cycle of financial solutions which will get you into the 5%. Isn’t that worth your attention and 45 minutes of your time? Kindly watch this brief preview and then go to www.trivesta.com/advocacybz watch the testimonials to see how people just like you have enjoyed great benefits, then complete the calculator to get an idea of how much you and your family will benefit and then attend a webinar to learn exactly how the system works.

YOUR Best Interest IS OUR ONLY Concern!

Independence & Money

As we celebrate independence day it’s a great time to reflect upon the meaning of independence. Most would say freedom and independence are the same. That’s not even close, freedom is not independence, freedom is inferior to independence. Freedom simply is a sense of having the ability to come and go, mover freely through society. Independence is the individual freedom of action, freedom of creativity, freedom of financial lifestyle and life experience.

An individual can be free and still be dependent. Yet no individual can be truly independent and have any concern about freedom. An entrepreneurial spirit is independent. Fully self-reliant. It’s important to understand that self-reliance is not selfishness it’s the opposite. Self-reliance helps make an individual practice selflessness. A desire to create and produce for the welfare and betterment of society. The great gift our founding fathers provide us was true independence, that should never be confused with freedom.

Ok, so how does this relate to money. Well, freedom will not be in direct proportion to wealth creation. Independence on the other hand is directly proportionate to wealth creation. Independence is a state of mind which produces thought in the power of abundance. The independent person does not find themselves in a state of limitation. Your independence provides you with a clean canvas each day to paint your own success, that which you truly desire. Nothing can stop a burning desire that is correlated with personal integrity, honesty and strong moral compass. These are the traits that will manifest wealth and riches which are to be used. One of the great misunderstood principles is the law of cause and effect. Too many have determined that the ends justify the means and thus competition is a zero sum focus. Nothing could be further from the truth of cause and effect.

Your beliefs about money have been ingrained from your socialization, mostly this is learned and passed won within the family. Possibly you were taught that money is evil, or that money is scarce, worse yet money is only available for others. All of these beliefs directly impact your ability to create wealth for you and your family. This is usually reinforced by the thoughts of those things you wish to avoid. Whatever your thoughts create is what your environment and circumstances will look like. Presently you are the sum total of all your thoughts to date. This is the essence of independence. No one else is responsible or accountable to your circumstances, that ownership belongs to you. Many who have accepted freedom have denied true independence as they need security. Any sense of security causes dependence. Regardless of what you are dependent upon any such dependence limits your ability to enjoy the power of limitlessness. All limitations are personally inflicted. Sadly we all fall victim to our own sense of limitation. The really successful people are those who embrace independence with a comfort of self-reliance and self-sufficiency. The growth of wisdom in this cause and effect develops the desire to help others through a sense of selflessness. The full circle then closes with wealth accumulation. Compensation is in direct proportion to the amount of service you provide. A sense of independence allows for you to embrace a continued level of service to others with the confidence that you will enjoy ever increasing compensation in direct proportion to the service you provide.

Hopefully you will gain a sense of awareness as to the difference between freedom and independence and how that difference will impact your ability to become financially independent.

PS enjoy a magnificent safe and happy 4th of July filled with Burgers, Apple Pie and Ice cream. All the staples of American Independence.

YOUR Best Interest IS OUR ONLY Concern!

Funny Money!

We do an immense amount of research here at the Advocacy Network. My email box receives approx. 300+ emails daily from financial newsletters, financial advisory guru’s, multiple FMO’s, IMO’s, MGA’s (all insurance marketing organizations), those who are marketing every type of financial information you can imagine. We have a finger on the pulse of Wall Street including penny stock promoters, stock guru’s and such. We are connected closely with the daily happenings in the insurance industry as well as those who market services to the agents in the industry. One of the major reasons we have a financial concierge program is so we work closely on education and training for insurance agents without having the conflict of interest in being compensated via the sales of insurance.

Today I wanted to give you a brief example of why the financial services industry has left most of the nation without any source of financial literacy education of financial advice. The evidence is all around us and yet no one seems to recognize the leaks in the hull of the financial services industry ship. In a recent article in InsuranceNEWsNet (an industry journal for sales professionals) titled “Why Financial Literacy Should Begin at Home”, now before even reading the article you get the message that somehow the financial services industry has the right to pass financial literacy education to the individual. Thus the entire concept of having a financial advisor is exactly why? As they have ceded the professional responsibility of financial literacy education we begin with a starting point of a financial advisor being in malpractice. There is a battle on the hallowed halls of Wall Street and all financial institutions between the brokerage world and the financial advisory (planners etc.) world.

This debate goes as such: the Financial Advisor is far superior to the Broker because the Advisor serves to the sanctified holy grail of financial advice, to be recognized as the “fiduciary standard” Now this is taken to mean that the Advisor has zero conflicts of interest and everything they do is always in the best interest of their client. This is followed through logically by the Advisor only taking a fee and never a commission. Now the Brokers are supposedly evil because they at times can act both as a fiduciary and a standard known as suitability. This is followed by the Broker earning commissions and quite often selling only proprietary products which pay a higher commission and thus not always in the best interest of the client. And so the debate rages on, yet sadly I have to propose that neither of these professionals possess the moral or ethical high ground. And here is the proof taken directly from the fore-mentioned article:

Why Financial Education Matters

Everyone deals with money. Whether you have a $1,000 or $10 million, it’s essential for everyone to learn money management skills at some point in life. (This is where the financial services industry conveniently passes off any responsibility for financial literacy education, pretty convenient isn’t it?) Unfortunately, when consumers don’t have the level of financial literacy that they need, they lack confidence and get stressed about finances. This eventually leads to consumers making less-than-ideal money decisions. (I would not dispute this premise at all, what is dubious however is how the so called financial services professional has no responsibility for this).

In fact, a recent study from the Million Dollar Round Table (MDRT) proved this by looking at the financial confidence of Americans who have hired a financial planner versus the confidence of those who haven’t. People who never hired a financial professional were fairly confident about terms such as life insurance (51%) and 401k (52%). However they felt unsure about more advanced terms such as long term care insurance (31%), and annuities (28%). 

Unsurprisingly, the more confident consumers fee, the better are the financial choices they make. The study also shows that only 19% of Americans who never hired a financial professional have a long term financial plan for the future. On the other hand, 50% of those who hired a financial professional have a long-term financial plan for the future. Evidently, financial planning and education are keys to feeling confident about your financial decisions and ensuring that you have the best financial future possible. 

Now here is where that last statement becomes sadly self-serving to the financial services professional. ONLY 50% of those who hired a financial professional have a long term plan, now maybe it’s just me but that seems to be a failure rate as opposed to a success rate. Here is another basic theme no one tells you about, the so labeled HIRED financial professional pool is reserved to the top 5-7% of income earners as these HIRED financial professionals cannot make a living serving the masses due to their fee structure. Only the wealthy classes can afford fees that make any financial advisors practice profitable. So, what happens to the masses? Well they are predominantly left to the brokers and agents who get paid via commissions. In the end most are sadly under-served due to the basic lack of responsibility for financial literacy education. (I want to clarify that the vast majority of the insurance agents and financial brokers provide an important service for their clients and do so with compassion, care and concern)

And here is the last piece to the puzzle of funny money. The most prolific class of financial victims are those who have the money, in short they are the same wealthy who afford the financial professionals who are supposed to be protecting them. How does that sound for irony?

Check out the benefits of joining us through the Advocacy Network. We provide vital services for the public, including financial literacy education and the first step solution to financial independence. Our work is actually beyond the standard of fiduciary because everything we do is prefaced upon the standard of YOUR Best Interest IS OUR ONLY Concern!

Check out this Money in 3D and take action on the first step to financial independence.

 

Painful Psychology of Financial Victimization

This week I sat through “The Wizard of Lies” which is the HBO version of the Bernie Madoff’s 25 year run on a Ponzi scheme. This entire story is one of incredible non accountability, sheer ignorance on behalf of the SEC, FINRA and every other level of regulator in the industry. The Bernie Madoff story is one that is an outlier to the typical Ponzi schemes. The sheer length of his ongoing fraud is a massive indictment on the selectivity of the regulators on Wall St. Madoff was a total insider and as such he established a level of “good ole boys” credibility which allowed him to go unchecked for decades. The red flags and warning shots across the bow were available for any prudent regulator to see, it was however conveniently ignored with regularity.

It is easy to make the statement of how no one will ever be able to promulgate a fraud on the level Madoff did. Yet, as we speak there are probably at least 3 ongoing Ponzi schemes that have the red flags and warning bells going off, and are actively being ignored by regulators for any number of rationales. Will any ever reach the dollar amounts that Madoff did? Possibly not, but I am never surprised by anything that happens in the world of scams, fraud and predatory sales practices. Would anyone have believed the level of predatory sales manipulations and direct fraud committed by management at Wells Fargo? As long as there is hope, desire and greed in the world there will be scams, fraud and sales manipulations. It’s built into the psychological D.N.A. of victims.

Whatever story lines you see built on the Ponzi-schemes, stock frauds and other major frauds there is always a strong sympathetic bias towards victims. Sadly, all this does is help create more victims. As long as the financial victim continues to be a sympathetic soul we are simply enabling them to become systematically victimized with regularity and impunity. It’s time to help victims by exposing them to the harsh truth about their experience. They have culpability and with each Madoff or Stanford who comes along and pilfers their money the victim focuses on the poor me aspect of their shattered lives. My job is to work with victims on a regular basis and our work is to help clarify why victimization occurs.

If the why’s are discovered the events can be stopped and the conmen (includes women) can be stopped at the door and never gain traction with a potential mark (victim). When you are aware of the psychological triggers that occur in the process of being victimized you will be forever insulated from being a victim. As long as the people around you sympathize they will forever enable you. This enablement will directly lead to future financial victimization and you will be forever in the vicious cycle of being a victim.

The Madoff story displays the basic human behavior of those who are victimized. The vast majority never confront or discuss it as they suffer from pain, anger, embarrassment, shame and want to be forever anonymous. Then there is the minority who are driven by pain and anger while constantly seeking revenge. This group is not seeking to balance the books or find closure, they are purely motivated through anger, hatred and bitterness. They ultimately destroy all the good around them while pursuing their blinded hatred. This is displayed in the HBO version of Madoff. Presently it is 9 years since the exposure of Madoff’s scam and there still remains victims who are obsessed with revenge. It does no one any good and when you see how those people are impacted by their own hatred and bitterness you see the continuation of their victimization. The psychology of victimization is a fairly complicated process, without identification and healing the cycle of victimization will never end.

A very sad reality exists in that both the perpetrator and the victim have a sick connection. That connection is that neither is a sympathetic character. Both are perpetrators in the process of financial victimization. The painful reality is every financial victim had many, many opportunities to avoid involvement in the investment, purchase or business agreement. Each victim voluntarily participated, and many times they gleefully ignored every red flag or 6th sense call to walk away. When interviewed those who are willing to work through the psychology of the process all admit they heard that tiny voice in the back of their mind saying this is too good to believe. They also admit that they could have done more complete due diligence but simply relied upon a certain level of trust. This is how it always happens. Trust can never be taken in consideration of complete due diligence. Proof to this point is the fact in the Madoff deal where the regulators never made a simple call to the DTC to confirm that his investment advisory had an account. This was 2 years prior to the final fall of the Ponzi scheme. Why did the regulators ignore making a simple confirmation call that would have taken a couple of minutes? No one will ever have that answer, but it probably had to do with trust and credibility.

As CEO & Founder of the Advocacy Network I experience strong frustration in the knowledge that each and every day 1000’s of people are being financially victimized. For everyone we are able to help the others are being exponentially multiplied. What is most aggravating is the fact that almost ALL financial victimization could be eliminated with simple awareness, financial literacy education and consistently taking some self audits on personal beliefs, habits and values as to money. Kindly know that the Advocacy Network is committed to eliminating all forms of financial victimization through creating awareness, providing financial literacy education and helping people achieve financial independence.

YOUR Best Interest IS OUR ONLY Concern!

Money in 3D

In the following video  Money in 3D I discuss the truth about a misunderstood concept: the time value of money. One of the key factors for the epidemic of financial victimization in America is the high impact of financial illiteracy. And the key element of financial illiteracy is the lack of awareness and understanding of the time value of money. It’s not a subject that is covered in our educational platforms. The little bit of financial education provided in the elementary and secondary education wouldn’t even fill a thimble.

It’s no accident that the education system directly refuses to provide financial literacy education. After all the government runs an economic platform that defies any logical fiscal responsibility and as such that fiscal irresponsibility requires the full support of the American public. Thus we are taught that there are basic tenets to follow economically and unfortunately like lemmings running to the cliff we do as we are told.

The basic economic life cycle that we are taught is work to earn, spend what you earn, borrow to enhance your life style and life experience, pay the loans and then go back to work and start all over again. The economic death spiral in this cycle is in the payment spoke. It is here that the banking industry control the economic plight of the public. The process is called AMORTIZATION and this is where the cycle of money continues to favor the bankers and lenders. It is here that you directly lose $100’s of thousands of dollars in future earnings which you pre-pay to the lenders. This includes you mortgage, auto loans, credit cards and now substantial education loans. We at actually borrowing to be educated to a level of financial illiteracy. Its an incredible shroud that we have been covered by. I don’t have time to go over the history of the fractionalized banking system and how it is controlled by directed government interference into the free market. But it is very safe to say we do not have a truly capitalistic economy, the free market has never been truly free since the establishment of the Federal Reserve. (A great book for your research is “How Privatized Banking Really Works” by L.Carlos Lara & Robert P. Murphy, I highly recommend this book which will open your eyes to the real workings of the banking institution in America and the rest of the global community).

But with all that clutter on the fringes of your economic life there is a series of financial solutions you can easily and very affordably institute, in fact the affordability is such that you CANNOT afford  to ignore  taking these steps. The video below is about Money in 3D and will hopefully give you a totally different perspective on the subject of making smart decisions about money.

The Advocacy Network is fully engaged in eliminating all forms of financial victimization, through creating awareness, providing financial literacy education and helping people attain financial independence.

YOUR Best Interest IS OUR ONLY CONCERN!

https://youtu.be/0w1qEt5Qx_I  (Watch this informative presentation)

 

Falling Victim to Opportunity Cost

The amazing unrecognized financial victimization is dooming 95% of our society to financial dependence. Sadly, the entire victimization could be avoided. For the last 50 years the insurance industry has been telling the 100 man story. It goes like this: For every 100 people starting at 25 after working for 40 years at age 65 the overwhelming majority 95% are either Dead, Dead Broke or Financially Dependent on Family, Friends or even worse the Government. This story was responsible for selling billions of dollars in life insurance over that timeline. And while the life insurance solution was and is still a viable and important piece of becoming financially independent it is not solving the primary cause of the financial victimization.

The genesis of the problem is the amortization of debt. The average American is losing a minimum of $100k over the lifetime of their debt service. These losses are hidden and painless so we never see it until its too late. Just like placing a frog in a pot of boiling water, the frog would resist, but when you put a frog in a nice warm pot of water he gladly takes to the environment, and then its simply a matter of slowly turning up the temperature while the life is slowly ebbed from the frog and ultimately the frog is fully boiled.

Financially we are frogs, and the amortization of debt is our warm comfortable environment. Slowly all opportunity is slowly ebbed out of our future. The dollars that are taken from us in the form of ongoing interest payments which create not only the loss of money but the ultimate damage of lifelong opportunity cost. The money we lose is never in our possession to create future wealth with through the magic of compound interest and therefore we have a negative compound interest result which assures the resulting financial dependence. This cycle will continue to impact one generation at a time because the banks, financial institutions, hedge funds and all lending organizations thrive on the long term amortization of debt service payments. And we are willing participate because the financial literacy education we have received is a simple story of work to earn, spend, borrow and make your payments on time. Spend and pay on time. We have decided to gleefully take all of our future earnings to prepay today for material things. Take a 30 year mortgage for example. In the first 19 years of a 30 year mortgage you will prepay the majority of the interest, with a small fraction of the principal paid down, the last 11 years will pay off the vast majority of the principal. In the end you will have paid approx. 2.5 times the amount you borrowed. All the while people’s major concern is the interest rate at which they get the loan. Talk about a magic trick, its not the interest that robs you its the timeline you pay the interest over. When time is factored in with money that creates the magic known as compound interest and this magic can either bring you great wealth or it can rob you of any chance for the accumulation of wealth. Its a double edged sword and we have been indoctrinated and trained to use it against our best interests at all times in every financial decision we make.

My point for you here is while life insurance, annuities, retirement planning, investment vehicles are all very important financial solutions they become moot when you ignore the core principle of economic loss. The first solution is to STOP all losses and capture the money you willingly give away to the banks and financial institutions. That money is the capital you get to use to create the future wealth you need to be financially independent. If you don’t accomplish this you are never in the game, you are simply running on a treadmill or in this case a hamster wheel. Sure you save some money, then you invest some money, you set up retirement plans and yet you continue to make debt service payments which over time lose incredible sums of money that never get into your plans, its comparable to having internal bleeding, you are slowly bleeding to death and never know it until you cease to be. You took all the right steps to pursue financial independence but you never knew you were bleeding and thus unknown to you death was your only result. Stop the bleeding and then take the next steps in the strategy.

We have a financial solution that will stop the financial bleeding, open the door to a pathway for financial independence. This solution is the preventative medicine that makes financial independence achievable. You will still need to take additional steps along the pathway which will then assure you of becoming financially independent.

Watch this brief overview on this solution.

 

After go to www.trivesta.com/advocacybz and enjoy the testimonials, these are people just like you who have learned the key to opening the door to the pathway for financial independence. Then use the calculator to find out just how much you and your family will save and how much wealth you can create through that savings. Then you can call me with any questions or concerns.

YOUR Best Interest IS OUR ONLY Concern!

Advocacy Network Announces FREE Legal Referral Service for Victims

To date the Advocacy Network has saved members approx. $7M. This has been accomplished through providing proactive protection against scams, fraud and predatory sales tactics. Our mission has been to eliminate all forms of financial victimization through creating awareness, providing financial literacy education and helping people achieve financial independence.

Recently I have been in discussions with several law firms who have decades of experience in helping financial victims recover portions of their losses. While I had previously come to believe that such chasing of past losses actually had a negative impact on future potential for victimization, I have most recently been educated on how there has been success in recovery of lost funds. Not only does this recovery have financial impact, it has been proven to provide emotional and psychological healing as well.

After taking the last 4 months to review research and compile due diligence on several law firms I have decided to establish the Advocacy Network referral network. We will provide all victims with the direct connection to successful law firms in the direct recovery of financial losses due to scams, fraud and predatory sales tactics.

This service will protect your anonymity, as the referral will be direct between the victim and the law firm. The Advocacy Network has and will continue to protect the identity of victims and never circumvent full confidentiality. We have consistently maintained complete confidentiality with over 12,000 members to date. The most difficult obstacle in financial victimization is the pain, anger, shame and guilt experienced by victims, this is the reason that less than 17% of victims ever report their losses and experiences. This has commonly created continuous victimization for those who have already been victimized. Our work has always been about protecting the best interest of those we serve.

The establishment of our present platform puts us in the best situation to now offer services that could be of great benefit to victims. My most important commitment was to limiting victimization by ensuring that people had the necessary awareness along with proper financial literacy education. In this manner prevention would be more valuable than recovery. Now, I feel that we can make a huge difference for prior victims by opening pathways for them to pursue their legal rights and attempt to get back some financial remuneration on their losses.

This can help provide financial, emotional and psychological healing which in the long run should make a massive impact on the entire concept of financial victimization.

So here is what we are rolling out: at our website www.theadvocacynet.com there will be a portal to request review of your specific loss and experience. There will also be a telephone contact to request referral. Our initial overview will help you identify what the referral should be and what the reasonable expectation of success can be.

Don’t hesitate to seek this assistance, as we guarantee you 100% complete confidentiality. You can also feel confident about our background and experience with financial victimization, you will not be alone by any means as there are literally 1000’s of financial victims on a daily basis.

CALL Karl 321-947-3220

YOUR Best Interest IS OUR ONLY Concern!

Money: Is You Is or Is You Ain’t My Baby

The lyrics from a Louie Jordan song popular in 1944 seems to summarize our relationship with money;

Well a fellow is a creature

Who has always been strange

Just when you think you’re his

He’s gone and made a change

All we have to do is replace the character in the lyrics with the term money and you seem to have a most constant relationship. Money is a creature that has always been strange and just when you think it’s yours it has gone and made a change.

Financial victimization stems from a total lack of understanding about money. Research has recently shown that money tops the list of the nation’s stressors. This follows that making emotional decisions is the number 1 investor mistake.

Sales manipulations are focused on getting people to make emotional decisions about money and yet that is the 1 major reason people make mistakes with money. Seems to be an irrational disconnect with that relationship.

The obvious factor in financial victimization is the emotional trigger that propels a person towards the bad decision about money. Of course emotion should have some reasonable impact in making smart decisions about money and this can follow when people fully understand how they truly feel about money, what they perceive as value with money and lastly why they believe what they do about money.

Well too many people are unaware of these issues. It begins with financial illiteracy. We are not given an education on any aspects of financial literacy, most learn about money at home in the family setting. Thus we all seem to inherit our beliefs about money from our families. We then take these mostly mythical concepts into our financial lives and consistently make poor decisions about money.

The financial institutions both government and private market have long ridden the crest of financial independence due to our lack of awareness on how to make smart decisions about money. The banks, credit card companies, merchant financiers all have gleefully robbed us of any opportunity for our own financial independence. This is why for well over 125 years the statistical results of financial independence has never changed. Still, today only 5% of the population reach financial independence and that hasn’t changed in well over a century. Why is it that in the richest nation in the history of the world only 5% reach financial independence?

It’s pretty simple, we have been programmed to conform to an institutional indoctrination about money. It starts in grammar school and continues right through college. Not hard to verify, all you have to do is try and find any financial literacy education you were provided at any of the levels. Of course you may have chosen to major in finance in college and then be introduced to financial literacy education. Even then we have somehow continued in the mythical belief that currency and money are the same thing.

One of our first financial literacy workshops focuses on the real definition of money and the very distinct difference between money and currency. This posting is not going to cover that huge distinction, yet we do have to at least start from the premise that currency is not money.

Stepping back we can find that the most prevalent form of financial victimization is AMORTIZATION. Unfortunately you are giving away your only chance for financial independence in the continual interest payments you make on the debt that has founded the life style or life experience you are presently enjoying. Those interest payments are dollars that you never accumulate and thus can never have working for you. Ask yourself how does the person who reaches financial independence do that? What is it they do differently?

The very few who reach financial independence have accomplished only 1 singular difference from the other 95% who are either, dead, dead broke or financially dependent at 65 years old. The singular difference is the financially independent person has reached the stage where they have money earning money. Their money works for them, the other 95% never get to this stage because they continued to allow their money to work for the banks, credit card companies and other financiers. Money earning money is the magic of financial independence and AMORTIZATION is the magic used by others to rob you of the opportunity for YOUR money to earn money for YOU.

Here at the Advocacy Network we have the solution that will propel YOU to financial independence. The only question is whether you want to be part of the 5% or stay mired in the 95% of those who will never achieve financial independence. Follow up with us to find out how to start having YOUR money work for YOU and YOUR family.

YOUR Best Interest IS OUR ONLY Concern!

 

The Great Equalizer is TIME!

The discussion of money is always at the forefront of society. Success has been directly equated to money. In the late 50’s Earl Nightingale correctly said: “Now, success is not the result of making money; making money is the result of success —- and success is in direct proportion to our service.”

He also said that “Abundance is YOURS for the asking” And so here we are, decades later and the same circumstances exist. Of 100 people who start out at 25 still only 5 become financially independent and the other 95 are dead, dead broke or financially dependent. This occurrence is the end result in the RICHEST nation in the history of the WORLD! Something is terribly wrong and it is a financial illness of epidemic proportions.

There is a solution and it is not complicated or extremely difficult, yet it requires awareness, the desire to change how one thinks and the personal discipline to put the new thought process into action.

Start with the base foundation of time. Now, time is finite, as such it is the fixed staple in the equation of success. This extends to life as well as financial existence. We are all entitled to the identical 60 minutes per hour, 24 hours per day, 30 or 31 days per month and 365 days per year. That’s finite and fixed. But the real variable is mortality. No individual is guaranteed any more time than the present moment they exist in. We tend to take this for granted as is displayed by our propensity to continual planning decades into the future. It is important to have a strategy and goals within that strategy yet there is zero guarantee as to the time necessary to achieve the strategy. And so we are best served by focusing intently on the moment we are presently in as that is the only SURE point of achievement available to us.

The discussion of money seems to be misappropriated in the cycle of financial independence which assures us of not attaining the very thing we are intently desirable of. Start at the beginning of the cycle which is WORK of some type. Work is always a form of productivity and it has many forms. It can be employment whereby we exchange skills and TIME for money, it can be entrepreneurial where we create the service, or productivity directly and employ others. The last form of this is the extreme trading of time for money which is unfortunately a style of directed slavery. In this form one has very little skills or value to provide and that leaves only labor. (Time can also be used to acquire education, skills and talents which then determine how much money one can acquire in the trade) Many of the 95% fall victim to this plight of using time as the trade with no skills, talents or education and have married up to the misdirected idea that there is security in the trading of time for money. This is the prime reason for those who end up dead broke, and possibly the ultimate success for this mindset is financial dependence. This is a very sad lack of awareness of how true wealth can be accumulated. The trading of time for money alone will never propel the existence of financial independence.

The cycle of work to earn and earn to spend is the death spiral directed to pure financial dependence. Those who reach the top 5% have become aware of an openly available secret. They have learned that the ONLY pathway to financial independence is money earning money. Another time related aspect as in this cycle money begets more money through the use of time. Guess who has figured this out? Well, the banks, merchant financiers, credit card companies and factoring disciples have all mastered this through the magnificent concept of AMORTIZATION.

We are all victims of amortization. Sadly, the worst part of this victimization is we have unwittingly volunteered for it. We work, earn, spend and BORROW. The leveraging of lifestyle and life experience is where we trade financial independence for the delusional of security. Amortization is a way for the lenders to rob us of our financial independence through the use of time. They get 100% of the benefit of compound interest on the money we have borrowed. The true leverage here is the gifting of YOUR financial independence to the entities who have the money to lend. Of course this is perfectly legal, yet just because something is legal doesn’t mean its good for the individual. We have been sold a false narrative and have bought it hook, line and sinker. 95% of Americans never reach financial independence because they have predetermined it can never happen. TIME for change!

Of course you need to use debt for lifestyle and life experience, yet you do not have to use all the future time along with the capital. By eliminating a portion of the TIME in the amortization cycle you can have lifestyle or life experience (whichever is most important to your value proposition) along with financial independence. It requires a bit of financial literacy education and some personal discipline. If you are willing to open your mind to some very simple concepts which would be considered counter-intuitive than you can reach the top 5% and expand that top of the mountain. The simple solution is to minimize the time that interest is paid. The savings of time equates to dramatic monetary savings. Now, you can then use the power of time (compounding interest) in YOUR favor. This allows for the money earning money cycle which is the ONLY pathway to financial independence.

The Advocacy Network is committed to eliminating all forms of financial victimization through creating awareness, providing financial literacy and helping people achieve financial independence. Our financial solutions provide you and your family with an automated system that will directly minimize the amount of interest you pay on present and future debts. This savings is then redirected into financial solutions that propel you into financial independence. This is simple, effective and the ONLY true pathway to financial independence. All the other shortcuts and magic silver bullet solutions will only assure you of painfully joining the 95%. Let us show you a better alternative which is the ONLY alternative assured to put you on the path to the 5%.

YOUR Best Interest IS OUR ONLY Concern!