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!  (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 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 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!



The most compelling concept in life is truth. The dictionaries define truth as follows:

  1. The quality or state of being true.
  2. that which is true or in accordance with fact or reality
  3. A fact or belief that is accepted as true.

The reality is that truth is in abundant supply and yet that supply greatly outstrips demand. It is very apparent that very few people are intently seeking out the truth in most matters. It’s much akin to the famous words spoken by Jack Nicholson in a Few Good Men, “You can’t handle the truth!”

In the review of the financial victimization process, it is quite evident that both victim and perpetrator are heavily invested in avoiding truth. The victim has a perception of truth that fits their own bias and allows them to move rapidly towards a very poor financial decision. Amazingly they have been totally misled and misguided with information which will never allow them to make a clearly transparent and good decision about money. The perpetrator has led the victim down the pathway of non-transparency and very little disclosure. They basically sell the sizzle as is commonly referred to in the sales world. It’s a 100% emotionally driven process and it always ends with the victim being the loser.

What is most telling in this process is the ability of both victim and perpetrator to bend and manipulate the truth. Of course truth is by its nature somewhat flexible as can be seen in the definitions. “That which is true or in accordance with fact or reality.” Well reality is sadly in the eye of the beholder and it is not truly universal by its nature. If reality was that clear then we wouldn’t have such elements as crime, immorality, unethical behavior and such. So we all can see that reality is what an individual chooses to make it. Of course some reality is unalterable such as the need for oxygen, water and food, following the laws of physics etc… but all other forms or existence and reality are individually created and perceived. This is why victims can be created. The perpetrator uses the victims own perception against them. The emotions of hope, greed and fast wealth can lead anyone to the sad ending of victimization.

One very successful way to eliminate financial victimization is to control a personal level of due diligence in all decisions about money. Due diligence is factored into 3 areas:

Full disclosure, Total Compliance and Clear Transparency.

By following these 3 elements one can fully inoculate and insulate themselves from any and all forms of financial victimization. The essence of truth will ultimately expose the clear perception of if it waddles like a duck, quacks like a duck and has beak, it’s a duck. Most poor financial decisions are ducks. Sadly, people are manipulated into a process whereby they ignore all the characteristics of the duck and ultimately see a swan.

My role is to clearly help people identify and proactively avoid all forms of financial victimization. Some of this victimization is more obvious than others and yet is still been hidden from the public. The clearest example of this is the Reverse Compound Interest Syndrome.

Every day the vast majority of Americans are being financially victimized by the fractionalized banking system and the concept of financing. Sadly, we see people who are unwittingly giving all their opportunity for financial independence away and enriching the banks, finance companies, and creditors. It’s comparable to a financial triage. Most are in the street bleeding cash that is their lifeline for retirement and financial independence. This bleeding of cash comes in the form of excess interest payments through the vicious victimization of amortization. People gleefully give away all their future cash to the banks and finance companies in the form of interest payments. These are dollars that individuals will never have working for them in the form of compound interest. All the compound interest opportunity is being enjoyed by the banks, financiers and creditors. They are being enriched by the theft of future financial independence. It is IMPOSSIBLE to become financially independent when you are giving away $100’s of thousands in cash you never get to put to work for yourself.

The solution to this is putting a tourniquet on your bleeding and minimizing future interest payments. You can do this through the Advocacy Network as we provide a money management solution that will save you and your family $100’s of thousands and use for your future financial independence. All you need to do is give us a call or drop an email request for more information.

Don’t delay because every day you are bleeding cash that could make you financially independent.

YOUR Best Interest IS OUR ONLY Concern!

Financial Independence is a Thought Process

Americans have suffered from an epidemic of financial victimization due to a directed misdirection in our thinking process. Thomas Edison said: Five percent of people think. Ten percent think that they think; and the other 85% would rather die than think.

Leonard Read who was one of the great thinkers in the Austrian economic theory said: Many people believe they are thinking when, actually, they are only rearranging their prejudices.

Throughout history mankind has constantly sought to improve the standard of living. This has led to many incorrect thought patterns that have been promulgated and passed along. Some of these thoughts have been intentionally developed to mislead the masses in order to perpetrate an economic victimization of the society at large.

With all of this knowledge at our finger tips Americans remain in an economic cycle of scarcity and want. In the richest nation in the history of mankind we still somehow have the highest rate of financial illiteracy in the universe. How can that possibly be? It’s all in the thoughts we have allowed to penetrate and permeate our mind with.

In an open society such as we are blessed with the concept of opportunity is abundant. There is and never has nor ever will be a shortage of opportunity in the wealthiest nation in the universe. Yet with this absolute fact, a universal law; we still live in a society where only 5% of the population achieve unusual success. Of course many, many have asked the simple question of why and always the answer has remained the same the simple truth that we become what we think about. Aristotle told us: We become what we repeatedly do, excellence therefore is not an act, it a habit.

In the bible Jesus told us that “As a man believeth so it is done unto him” There is much more evidence to be found in all the great philosophers, religious leaders, military leaders, politicians and teachers all of whom have discussed the universal law of cause and effect. It is in this law that exists the truth of how our minds determine who and what we become and how we accomplish the dreams, desires and goals we set for ourselves.

Nowhere is this more evident than in our financial lives. While 5% achieve unusual success, the other 95% somehow wallow in financial independence and a lack of belief in financial independence. Non-belief is the direct path to financial dependence. Just take a look at how the vast majority of Americans are raised to think about money.

We all started in grammar school and whether that was public or private we were indoctrinated into a thought process of hard work being the foundation to any future success. It would all come through hard work and effort and as we all had the opportunity to determine our futures it would be hard work and effort that separated us from the crowd. That was further directed into a belief that we should complete an education, get a job/career and then spend our time in that commitment until we RETIRE and then move onto a life of leisure and relaxation. This was sold to us as the American dream. Now, we never questioned who the true beneficiary in that American dream was. We were perfectly happy to accept the lessons or lack thereof on the reality of money. Can you remember any discussion of financial literacy throughout the first 12 years of a so called education? You can’t, and that is because there was no such lessons to be taught. Even when entering college, unless you became a finance major you still received no financial literacy education. I hate to expand on the reasons why, but one can safely assume that it wasn’t an oversight, it was a designed educational determination.

The history of money is a well worthwhile education and those who complete this education are the ones most prepared to rise into the top 5%. That could easily be a top 20% stat if more people would simply come to the direct awareness of how to think as opposed to what to think. By changing how you think all the difference can be made for the exponential growth into financial independence.

The first step is to become aware of the how the process works. Once that is accomplished one need only use the strategies and tactics that formulate the process.

The Advocacy Network provides the awareness, financial literacy education and the personal help that drives people to financial independence. This is a development of a thought process which continually makes smart decisions about money. The 5% reality is living proof of a massive lack of proper thinking. The 95% get stuck in the sad cycle of conformity and they are not conforming those who are successful but conforming to the masses who are unwittingly locked into financial dependence.

You can step outside the boundaries and become financially independent much easier than you realize. There are financial solutions which will rip you out of the fabric of fiscal conformity which dooms us to financial dependence. We have a foundation of financial solutions which establish financial independence. If you continue to do the same things over and over while expecting different results you sadly are suffering from a form of insanity. It’s a common form of insanity which the 95% always suffer from and have sadly been mired in denial about.

Let’s discuss how to break out and eliminate all forms of financial victimization, while opening your opportunities for financial independence. It’s not complicated and truly much easier than you would ever think possible.

YOUR Best Interest IS OUR Only Concern!

Self-Talk Your Way to Failure

Recently I reviewed some studies that say 77% of self-talk is negative. That’s a bit stunning when you consider how important self-talk is to one’s daily being. The entire concept of self-talk is what becomes fired into our sub-conscious mind. The reality of thought and action comes directly from the messages in our sub-conscious.

Earl Nightingale said: What we plant in our sub-conscious mind and nourish with repetition and emotion will one day become a reality.

The powering of our subconscious mind comes from our self-talk and once programmed the subconscious will work overtime to manifest what it believes you desire. It has no concept of real or imagined, good or bad, right or wrong. It only knows what you told it you want and its mission in life is to give you exactly what you want.

Over many years I have benefitted from keen awareness of this so called secret. It’s not a very well-kept secret but is clearly protected because so few people choose to become aware of it. Even when aware most people don’t believe in it, they remain skeptical and choose to continue doing the same things over and over all the time expecting different results.

Now, I decided to ask myself “how does self-talk create victims?” As such it dawned upon me that victimization wasn’t simply an action it was a habit. And as all habits are prone to do it is ingrained. Financial victimization is epidemic in our nation. Proof of this is all around you. Consider the reality that we are the richest nation on the planet (no other nation is remotely close), in fact many studies have said that we possibly control over 80-90% of the world’s wealth. On the other hand we also have the highest rate of financial illiteracy in the world. How can this be? Is it somehow possible that Americans are just luckier than any others in the world? I can attest to the fact that it has nothing whatsoever to do with luck.

The primary essence of success is a mindset that understands failure and the great powers in many failures. There is no success without failure. Sadly many have joined a conformity that is perpetrated upon the premise that failure is bad and should be avoided at all costs. This is commonly referred to as mediocrity and our society is mired in it.

The great American dream was always promulgated upon the opportunity to attain substantial wealth based upon the dreams and desires one creates in their mind’s eye. This has always and still does exist, yet the shades have been pulled down to eliminate the light of abundance and opportunity. It is replaced with a pursuit of security. The pursuit of security begins with a small handout, it could be a government subsidy or a form of continued employment. Either way it becomes a yoke which often burdens one with a lack of opportunity. No one reaches financial independence through the pursuit of security, just doesn’t happen. The two are diametrically opposed. Entrepreneurial spirit is one of risk taking and it also is one of pure sacrifice and commitment. The cavemen originally showed this personal initiative and provide us with the ability to survive. It is commonly referred to as the flight or fight syndrome. The stark reality is that 5% of the population is financially independent and the other 95% chooses to flee when the fear of success lights upon them. Their self-talk directly condemns them to the fear of failure and as such they never cross the divide of failure and success.

This can be changed, but it takes personal integrity and great risk tolerance. No running when fear of loss knocks on the door. No avoiding failure when it appears. It requires changing the thoughts one allows to linger in the mind and also a pure self-confidence in all one undertakes.

Presently there is a massive financial epidemic which is directly the largest form of financial victimization in our society. This epidemic is known as Reverse Compound Interest Syndrome and all are suffering from it. Our mission at the Advocacy Network is to fully eliminate financial victimization is all its forms. We accomplish this through promoting awareness, providing financial literacy education and lastly helping as many people as possible achieve financial independence.

Let’s work together to change lives and provide the truth of the American dream once again.

YOUR Best Interest IS OUR ONLY Concern!


Debt By the Numbers

I was hoping to shed some light for all on just how ridiculous and unfortunately destructive debt really is. Today at this moment (and I say that because each moment the number changes by $100’s of thousands) the US debt is 20 trillion + numerically that looks like this 20,000,000,000,000 how about that number? Does it seem ridiculous to you? It should, as we commonly refer to in the financial arena this is telephone numbers x 100. But let me help define it a bit differently as most people are not really accustomed to the language of numbers.
Let’s say we paid $1,000 a second against this 20T debt, that would be $60,000 per minute and $3.6M per hour. Daily it would be $86,400,000 per day as in $86.4M per day. In a year that is 31,536,000,000 or $31.5 Billion which would equate to $3.1T over 100 years. A century folks. That means that to pay off the $20T would take approx. 650 years at the rate of $1,000 per second. And that is without figuring for interest on the debt. Possibly 1,000 years with interest payments.
I really hope this puts some perspective on just how destructive debt truly is. Of course none of us individually has any numbers like this but sadly our numbers while much smaller are still just as deadly. For the average person in our society there is no chance for financial independence and that has nothing to do with lack of opportunity, education or network of influential friends or family. No, the real problem is the vast majority of Americans have been sold a bill of goods. They have been victimized and have unfortunately gladly embraced this victimization. I refer to it as the Reverse Compound Interest Syndrome. This has caused an epidemic of financial victimization under which the victims have lost all rights, chances or opportunities for financial independence. The direct causation is debt which carries with it the curse of interest payments. It’s not the debt that causes the victimization, it’s the interest that ends all hope of financial independence. Those agencies, organizations, institutions and corporations that lend you money and then earn money on that money by charging you interest are enjoying the magic of compound interest on YOUR money.
Please take a moment and think clearly. As long as you are paying interest you are losing the ability for that money to earn money for YOU and YOUR family. The longer you continue to pay this interest the LONGER YOU lose the opportunity to become FINANCIALLY INDEPENDENT.
Time to take back control of YOUR money and benefit from the MAGIC of COMPOUND INTEREST.
The national statistics on personal debt show the following:
Mortgage Debt $8+ Trillion
Auto Loans $1.1+ Trillion
Credit card debt $850+ Billion
Student Loans $1.3+ Trillion
Anyone think there might be a problem?
How sweet would it be to have a solution that speeds up the terms of interest payments, puts that savings back in your hands, and sticks it to the Banks, Merchants and Credit Card companies at the same time?
the Advocacy Network can provide this very solution. YOU can save $100’s of thousands in interest payments that presently are leaving you bankrupted from any financial independence. We have a software program that will re-allocate and redistribute your monthly payments to maximize your interest payment savings, in fact the average savings has been in excess of $108,000. The savings can be redirected into programs or investments that will compound and propel you to financial independence.
Time to STOP giving away the earnings your money can create for YOU. Presently you like the vast majority of Americans are stuck in the Reverse Compound Interest Syndrome and the Banks, Merchants and credit card companies are depending on you to stay in this condition. The Advocacy Network has the solution and we will put you in the driver’s seat for your financial independence. Let’s talk and show you how easily YOU can take back control of your money and stick it to the banks.
YOUR Best Interest IS OUR ONLY Concern!