Its Up to YOU!

We hear such cliché’s all the time. If it is to be it is up to me. Well, far too many people give up their control. They tend to believe they are subject to outside forces and simply need to roll with the tide.

Nothing, nothing could be further from the truth, We have FULL control over our destiny. How do I know this? Firstly, the law of cause and effect tells us this. We fully control the cause and have zero control of the effect. Of course we also have the power of adjustment which allows up to create a new cause to alter the effect. But we cannot avoid the effect. Whatever causation we let loose the effect will be distinctly our own consequence. This is why the perception of why do bad things happen to good people is flawed. Bad causes create bad effects regardless of what type of person you are. That’s the clear power of your mind.

Think of your brain as a piece of hardware and your mind has a sub folder hardware known as the subconscious and a software which is known as your conscious. The software in the subconscious is an incredible tape recorder. It takes in all information, verbal, visual, kinesthetic, even olfactory. It saves it all and makes zero judgements such as good or bad, happy or sad, no emotional impact whatsoever. It does however work on autonomic levels to ensure we breathe and have our blood flow etc.. It also desires to provide us with whatever it believes we want.

Here is where the conscious comes into play. We also consciously take in information and sub divide it into emotions and feelings, judgements and even bias. It is therefore quite important what we allow our conscious mind to take in becasue it will be on the master recording of the subconscious without any of the filtering  the conscious completed. And this is where the work and effort comes into play. When we simply allow all negativity to run rampant in our conscious mind we allow our subconscious to believe we desire negativity, failure, pain, misery and even poor health. But if we take control of our mind and create thoughts of abundance and completeness we are rewarded by the subconscious fully imprinting this on all our software.

The takeaway is that YOU must take control over this process and never allow it to run on automated pilot. And so we need coaching to gain the knowledge of how the  process works and how we can master that process in our specific life. Its not complicated becasue it follows the simply universal laws that are laid out for our use. These laws never change and always work the same way. The beauty of the universal laws is they are unconditional and also perfectly consistent. There is no qualifications to apply these laws and they are fully availability to everyone with a mind. (that is everyone)

If you want to change your results, becasue of lack or frustration just give me a call and we can get started on a new pathway to success. Don’t procrastinate as that is a decision, its a decision to make no decision. Nothing will change unless you make the decision to be the change.

What is a Mortgage Scam?

There are various types of mortgage scams. They are complex type and most involve an up-front fee. In February 2011, the Federal Trade Commission (FTC) issued a rule prohibiting the payment of any up-front fees to negotiate mortgage-reduction payments on behalf of a homeowner. Nevertheless, an untold number of companies and individuals continue to openly violate the rule, asking for an average up-front fee of $2,500 to modify a mortgage. The homeowner pays the fee and sees no results. At HPF we have seen an alarming uptick in the number of callers who, in addition to dealing with the stress of possible foreclosure, have been victimized by some type of fraudulent activity.

Mortgage scam artists seem to prey on minorities in particular. Virtually half of the potential scam calls fielded since our hotline was launched have been from homeowners who voluntarily identified themselves as African-American, Hispanic or Asian. The same population groups that were disproportionately targeted for predatory lending during the housing boom are now bearing the brunt of an unusually high percentage of mortgage scams. Senior citizens across all demographics are also particularly vulnerable.

Six Warning Signs You’ve Been Scammed

According to the U.S. Government Accountability Office, there are two primary types of foreclosure rescue and loan modification scams: Advance-fee loan modification scheme: This occurs when you are asked to pay a fee ahead of time for the promise of a guaranteed loan modification. Sales-leaseback scheme: While there are several versions of this scam, at its core it involves the homeowner surrendering the title to his/her home in exchange for being allowed to continue occupying it as a renter, buying the home back over the next few years. Once the title is turned over, however, the scam artist forces the homeowner out of the home.

SIX WARNING SIGNS THAT YOU ARE BEING SCAMMED

  1. A company/person asks for a fee in advance to work with your lender to modify, refinance, or reinstate your mortgage. In addition to such fees being prohibited by the FTC, the company/person demanding one will likely take your money without performing any of the services.
  2. A company/person guarantees they can stop a foreclosure or get your loan modified. No one other than your lender can guarantee they can stop foreclosure or modify your loan.
  3. A company/person advises you to stop paying your mortgage company and pay them instead. Under no circumstance should you ever send a mortgage payment to anyone other than your mortgage lender.
  4. A company/person pressures you to sign over the title to your home or sign any paperwork that you haven’t read or don’t fully understand. A legitimate housing advisor should not and will not pressure you to sign a document of any kind. Remember, surrendering the title to your home is one of the two primary ways people get scammed every day!
  5. A company/person claims to offer “government-approved” or “official government” loan modifications. Scam artists often pretend to be affiliated with the federal government. Be sure to check any third-party’s credentials by contacting your mortgage lender or by calling the HPF Homeowner’s HOPE Hotline at Call 888-995-HOPE™ (4673) to learn more about government programs for which you may qualify.
  6. A company/person you don’t know asks you to release personal financial information. Always confirm that you are speaking with a legitimate company/person by contacting your mortgage lender directly or by calling the HPF  Homeowner’s HOPE™ Hotline at 888-995-HOPE™ (4673).

We at the Advocacy Network are also available to help you identify and potential exposure to any form of financial victimization. Check out our content and info here on the blog as well the website. We provide help in all financial services industries for all your personal, business or organizational needs.

Karl Schilling 321-947-3220

Advocacy Network Protection

We have recently crossed the $13M benchmark on the money we have saved members. This is money that would have been lost to a form of financial victimization. This success happens before the victimization. The results of chasing losses after the victimization are extremely poor.

Due Diligence is YOUR best defense against all forms of scams, fraud and predatory sales tactics. Our members have access to our due diligence services and an expansive platform of financial literacy education and self development. Combined the value of these 2 concepts help our members build financial independence.

The crisis we have presently faced as a nation creates a fertile breeding grounds for scams, frauds and predatory sales manipulations. The annual average in losses to financial victimization is approx. $250B. Taking into account that only 17% of victims ever report and you can see that there is easily over a $1T lost every year to financial victimization. 2020 will sadly be a record breaking year as the scams directly related to a national crisis have already begun. The IRS has pushed back the filing deadline which extends the window for the fraudulent IRS scams. We can estimate that the losses due to the typical IRS scams will quadruple. This can all be avoided.

Check out our content, becoming a member is pennies a day to fully inoculate and insulate YOU and YOUR family against all forms of financial victimization. And when you become a premium member we will provide Financial Transformation (digital financial literacy education and self development program) which is a $395 value.

As the now often used expression goes What do YOU have to Lose!

Its YOUR money, and only YOU can protect it. We are the shield that makes you a victor and not a victim.

This starts with Personal Financial Literacy

Financial Transformation

I’m very pleased to announce the release of a new financial education course called Financial Transformation. This is a video based course that you can watch in the comfort of home. It will be available 24/7 and help you learn the best strategies for reaching Financial Independence.

We live in the richest nation in the WORLD and sadly we have the highest rate of financial illiteracy in the world. Due to this disconnect only 5% of our population ever riches financial independence. This means 95% end up dead, dead broke or at best financially dependent, which means they rely on family, friends, social networks, institutions, churches and at worst the Government. That’s no way to live and quite frankly its ridiculous that the vast majority of our society shouldn’t attain financial independence based on however an individual defines it.

It’s all about awareness. Learning and understanding what you don’t know, but maybe think you know. We all suffer from a starting point of unawareness, a point we don’t know that/what we don’t know. It’s impossible to know what you don’t know because you are basically unaware that the knowledge even exists. This is where Financial Transformation comes in.

Over 8 Modules with 8 lessons in each module I will walk you through concepts and ideas which will create some AHA moments. I promise and can guarantee that you will find nuggets of information and concepts you have never heard before or even thought about. You will gain a renewed perspective on money, finances, decisions about money and a clear understanding of financial literacy.

This experience is about learning how to be counter-intuitive in your thinking about money. The information generally provided is not meant to help you reach financial independence, its motivation is to keep your money flowing into the hands of the institutional funds and the government. And no its not some conspiracy, its simple economics. Free enterprise and capitalism are the greatest form of independence ever created, this is why we live in the richest nation in the world. Financial literacy is a combination of education and common sense, which you would think has to be a part of a general education. But sadly it has never been part of your education experience unless of course you were a finance major in college and even then some basic financial literacy might have been dismissed.

You owe it yourself and your family to attain financial independence and this course will provide you with the tools and concepts to accomplish this. Here is a brief introduction which includes a sample financial literacy lesson.

Financial Transformation Intro

Selling the Goose!

We all heard about the goose who laid the golden eggs when we were children. This fairy tale has a strong moral for financial victimization. In fact it can be the key to unlocking many scams and frauds long before you lose your money.

A goose who could produce eggs made of gold on a daily, weekly, monthly or even annually would be quite a valuable asset. This asset is even more valuable because it also creates ongoing cash flow (golden eggs). So the capital appreciation value of this asset is strictly a retention based value, in other words there would never be a consideration to sell this asset outright. Why would you? The continuous flow of golden eggs makes this an asset that one would never seek to sell unless the acquisition price was 1000’s of times the value of the eggs.

Ok, so what does this have to do with the usual suspects of scams, frauds and predatory sales tactics? Well, let’s start by looking below at some verbiage in a recent email. (It makes no difference what is the core product in the offer, its the offer that consistently ply the identical fallacy at it’s core. Here is some copy from the email:

 

Today, is unfortunately your LAST

chance to Claim your license for

CryptoSuite ..

Trust me, nothing like this

in the marketplace as a whole,

and never will be…

Beginners

– starting from scratch

– were making profits from day 1

and earning upwards of 6 figures

per month?

WITHOUT websites, traffic, lists, products … or even customers?

Risk is eliminated because this brand

new software shows you what do and
exactly when to do it.

Put one dollar in and in some cases take over $100 out …
With this software suite that shows you from A-Z how to become a highly profitable crypto investor … or DOUBLE your m.oney back.

Do you see the problem here? Just as with the so called algorithm based software that will help you become an overnight trader, or options wizard, maybe even a tax lien guru or possibly a can’t lose Forex master. If any of these systems truly worked and could produce what they tout, they all would be a GOOSE that lays GOLDEN EGGS. So why would anyone sell the GOOSE? I will answer that for you, just as the goose these magic software’s are fairy tales, that’s why. Profitable software is an asset which can produce continuous cash flow and thus would never be available for sale. Possibly the trade info could be sold but even that would cause potential loss of cash flow and thus there would be little purpose in selling the information either. (Trading is based upon volume and pressure thus the more people on the same side of any trade causes reduced profit)

Today’s tip is always ask yourself if the offer you are looking at is selling a GOOSE and if it is, you can bet it’s a scam. Remember scams are not always illegal or illicit, many times they are simply valueless offers which provide nothing in return for your money. PS double money back offers are of little value when providers make it impossible to get your money back or they go out of business.

Is Credit Repair Illegal

It is important that YOU have the right information at the right time for the right reason. Credit repair is a great financial fitness tool when you are able to use it properly. Unfortunately, many credit repair companies try to snare consumers by offering credit repair through illegal or unethical tactics. … The Credit Repair Organizations Act (“CROA”) is a federal law that protects consumers from unfair and deceptive practices by credit repair organizations.

What is the Credit Repair Organizations Act? The Credit Repair Organizations Act (“CROA”) is Title IV of the Consumer Credit Protection Act. Despite its name, it is not actually an act; Section 401 states, however, it can be referred to as “Credit Repair Organizations Act”. This clearly identifies and acknowledges what can and can’t be done in credit repair.

Does it work? A good amount can actually effect your credit, so if you believe there are errors in your credit report, you can benefit from one of the best credit repair companies correcting those errors for you. … This is a loophole that credit repair services will use to raise your score.

You can do this yourself as well. What you need to understand and know if you are going to do it yourself is

  1. Have a full understanding of the law and be able to write your letters properly.
  2. Take the time to do the proper due diligence and research what letters are used.
  3. Follow up, Follow up, Follow up.

Now, a do it yourself effort also has many unfortunate pitfalls. Firstly, you must know what type of information on your credit record is causing any potential damage. You must write the letters per the law and make sure to reference the law. The credit bureaus easily identify good letters from time wasters. The other consideration you must undertake is the value of your own personal time. Are you worth $20, 50, 100 per hour, if so how much will it truly cost you to do it yourself?

The most efficient differentiator in choosing a credit repair service is to identify the most reasonable and average costs involved in successfully repairing your credit. Beware the large ticket services, as this process is not a massively expensive or time consuming process. Therefore the first sign of a scam is exorbitant fees. This process is mostly letter writing and cut and paste elements. Of course experience counts for much, so a service that has a long successful track record is ideal. New players, self-constructed web portals are simply potential scammers who have paid a generic service to provide web based templates and sites. The law is very clear, upfront fees are illegal other than a few key exemptions

  1. Law firm / Lawyers are exempted
  2. 501C3 Non-Profit organizations which provide credit repair services are exempted.

In conclusion, credit repair can make a huge difference in your financial fitness as your credit is a foundational financial tool which can dramatically impact your ability to become financially independent. Speak with a specialist before determining what is your best option. Of course that includes doing it yourself. Lastly, do your due diligence regardless of what process you decide to use. Due diligence is key whether you do it yourself or you choose an outside service. Your credit record is a complex vehicle which is pieced together through a very opaque formula. The credit bureaus are overwhelmed with a potential database of 250m+ people. There are going to be a percentage of mistakes and the only one who can assure your record is in proper condition is YOU. There is no process the credit bureaus  have that identifies mistakes and correct them for you, it’s your record and your responsibility. Always, always remember the key of any smart decision about money is DUE DILIGENCE. Proper due diligence is Full Disclosure, Total legal and regulatory compliance and Clear transparency. Any service, investment, purchasing decision that passes through these 3 lenses successful is most likely a smart decision about money.

Credit Scams

The most important part of our financial lives is the credit record. The Banks and financial institutions control us through our credit record. Sadly, the incidence of financial illiteracy that exists in our nation is the core problem. The existing problem with debt is directly related to financial illiteracy. The solution is education, but that education has to be simple and easy. People want an easy button but the financial services industry and the banks, lenders and securities industry doesn’t want to provide any education and they certainly don’t want to provide a solution.

As a nation we have been educated to believe in the securities industry, the message is how mutual funds are the best place to put your retirement savings. The risk and reward of such is never exposed, it’s always somehow a safe investment. Yet the market is speculative, all speculative investments carry the highest level of risk. Any other persistent storyline is simply untrue. Yet the world of ERISA (qualified retirement plans) such as 401k’s IRA’s etc are all fully invested in speculative investments which carry exorbitant hidden expenses. Those are always opaque and you never know how much you are losing in potential gain due to expenses and fees. That’s how the banks and financial institutions make out like bandits. They take zero risk with their money and earn billions on the speculative investments of the middle class along with the huge amounts of interest payments from debt which is stealing the middle classes opportunity for financial independence.

If this is hard to believe, just look at the facts: 95% of everyone who reaches 65 or older ends up dead, dead broke or financially dependent at best. This 95% has been the same for almost 100 years now. It hasn’t changed because we are taught to accept it. Go to school, get a good education, that leads to a good job which you spend 30+ years and retire with a gold watch, pension and then you ride off into the sunset. This was never true, it was always a fantasy based upon the statistical truth of how many people end up financially dependent.

Today, there is $8T+ in mortgage debt, $4T+ in auto financing debt, $2T+ in student loan debt and a whopping $875M in credit card debt. Look at those numbers, and then go ask 10 people which of the 4 has more debt outstanding. Is there more mortgage debt, auto loans, student debt or credit card debt. Most people would guess mortgages were #1 but they would be way off on the other 3.  In fact people would greatly over estimate credit card debt becasue they sense that is their #1 problem. Financial wellness is attained through financial literacy education and some systematic approach to build a financial game plan. That game plan needs to be built around the reduction of debt and the improvement and consistent health of a credit record. Then the risk management needs such as Home, auto, Life insurance and then the consideration of wealth accumulation. The reduction of debt stops the loss of money running out the window in the form of interest payments. Those future dollars then can be used to earn interest for wealth accumulation.

This type of financial planning is especially necessary for the forgotten middle class. Those families earning $50 -175K can attain financial independence. They are not going to reach it without education and a systematic approach. A new paradigm in financial planning.

This is what the Advocacy Network does. We work with the middle class by creating awareness, providing financial literacy education and helping people attain financial independence. Our financial concierges are all trained and professionally developed to provide a simple and easy financial game plan for the middle class client. We provide the type of services that are missing in this market place. While the financial services industry chases the high net worth clients we can provide the basic fundamentals for the middle class. The potential for financial independence is available to every American, regardless of class, gender, education, family wealth, social circle or any other supposed need for such independence. It’s all about money and making smart decisions with money, most Americans waste well over 60-70% of the dollars they earn or obtain via other sources. This is a simple lack of fundamental truths about money. It’s a lack of awareness of the 3 dimensions of life (Past, Present and Future) we all have past YOU, present YOU and future YOU. Each has money flowing through their hands and the pathway to financial independence is the complete awareness of how money and time forge together. That is what our workshops are all about.

YOUR Best Interest IS OUR ONLY Concern!