Making Money – A Bold Revolutionary Act in the New World Corrupt Economy

If you want to be secure in this new world economy stop trying to invest in the market and go out and make some real money.  There is a revolution happening like never before where people are either giving themselves over to the system or getting out of the system.

We now have economic slavery by choice ,a system where people work hard and then give their earnings over to a financial system that gives very little back.  This self imposed slavery takes on many names like retirement planning and stock market investing.  It is really is a plank check to take your life savings and do anything and everything an institution desires, in the hopes of making more money but without any of the responsibility of having to perform.

You think I’m being to harsh because you do not understand exactly what happens in the halls of the investment world. If you knew how you were regarded by the real players in the market you would never put a dime in the stock market. Instead you would store your money in accounts with guaranteed returns and look for businesses with real returns that you could OWN.

Revolutionaries don’t follow the crowd into the abyss 

Imagine going out and buying something for $200.00 and selling in for $1000.00. Subtract the cost to acquire a customer from your profit and you have made real money. Making real money is a revolutionary act because you are not supposed to ever get to the point where you realize that the only real profits in this world are the profits made on buying and selling, and they are available to everyone. Learn to sell or deliver a product to people that they are willing to pay for and you join the revolution. Forget waiting to open an account statement every month to see if you made or lost money, that’s for sheep.

Almost every person in America knows someone who made a million dollars or more in some form of business but very few have ever met anyone who made a million dollars in the stock market. Yet we believe in the fantasy of the 401k, IRA, 403B, and the Thrift Savings plan. The whole market crashes at least once every eight years but since 1978 we Americans feel the need to be in the stock market investing game. Why?

The very computer you are reading this on was purchased by the store that sold it to you for no more than half of what you paid and it was manufactured for no more than half of that. Think like a consumer and get broke. Think like a seller and get wealthy.

If you believe that the system you are investing your savings into is a fair one I encourage you to devote some time to read three insightful books that give first hand accounts of actions of Wall Street. Once you read these books you will understand perfectly why the bond market crashed in the 80s, the tech bubble burst in the 90s and the whole market crashed in 2008. More importantly you will understand why it must happen again.

An insightful look at the bond market and all of the games that are played on Wall Street.

The most honest look from inside Goldman Sachs that details the truth of why the housing market had to crash. Provides a long list of firms and people who knew the market was doomed a decade before the crash but just kept on making money for themselves and their firms at the expense of the American people and working people around the world.

A look at the world through the eyes of a fund manager who bet that nobody in the financial markets really knows what they are doing.  He bets against the smartest guys in the room and wins big as they endanger whole economies. After you read this book you will realize that the worst that can happen has not yet happened but it is on its way.

For Revolutionaires Only 

Making money by providing goods and services is revolutionary because it is old school. It’s a “something for something” sort of deal unlike Wall Street investing which more often ”something for nothing.”

Wishing you Wealth, Wellness and Wisdom

Mark Fuller

Manager of Wealth

Wealth Wellness and Wisdom and the Mythology of this Holy Trinity

I usually end my post by wishing you Wealth, Wellness And Wisdom and today I thought I’d address how this things are connected in 2013. Truthfully for the vast majority of people in America they are not on their way to wealth, they are not in very good health, and in spite of being educated they have not yet graduated to wisdom, they are simply smart.

Let’s take a real world example because I really don’t want to be vague on this subject.

Let start with wealth.

It is 2013 and the stock market is back at 14000, btw this is where it was back in 2008 before the crash when it dropped to 6600. In the real world nothing has really changed financially in terms of the factors that caused the crash. In fact, banks are still holding trillions in shadow inventory. Many borrowers have not paid in months or years and the country has still not found and economic engine to replace the run away train that was the real estate market. Inflation is actually incredibly high if you open you eyes. Look at the price of gas, bread, eggs in 2000 versus 2013. People want you to believe inflation is at 3% annually but it is much higher than that and growing everyday. Goods are at least 3 times more expensive than they were a decade ago.

Yet in spite of the economic realities would you believe that over 90% of Americans have never made ANY change in their retirement portfolios. They continue to contribute to their 401k and IRAs after taking major losses at least once every 8 years since the 1970s. How do you explain that as you claim to be headed toward wealth? Where is the common sense and how much time and effort are people putting into understanding whats is really going on?

Then look at health.

There is a developing surge in people seeking natural health practices and wellness. Two major things are driving the run to health, one is the incredible rising cost of Medical care in America and the other is the alarming rate of Cancer and other major diseases in young people. It seems the first law of self-preservation is kicking in and people are beginning to find out that instead of pills and surgery they can be healed of disease by fruits, veggies, and nutrients. This is major unfortunately it will take at least a generation for natural medicine to become the norm and ten of millions will die prematurely because the competing messages from the pharma industry have much better advertising. People will move to Wellness organically because their lives or the lives of someone close to them will have been saved by natural medicine and they will seek more information and make changes.

So where does Wisdom come in?

Wisdom is the ability to use all of your education and experience to discern the proper course of action and pathway in life. I submit that as a country we are slowly developing wisdom in the area of health because we need to do so to survive. However, we are moving backward in the area of wealth building because even as we make more money we are investing in the worst possible places.

You see the difference between Wealth and Wellness is profound. A sick person who is on many prescribed drugs will find natural medicine and in short order become completely healed from the disease from which the suffer. They will never actively seek to return to the drugs because they are in fact HEALED from fruits , vegetables, and nutrients.

In wealth building a person can lose half their life savings in the stock market and fully understand that it is a dangerous, unpredictable place to build wealth and still run back to the stock market if the market begins to rebound. I have heard more people talking about how the economy is back because the market is back at 14000 but if it was there 5 years ago then that is not a gain. The market can come back without the stocks in your portfolio coming back. We just don’t seem to be developing any wisdom when it comes to money. We are getting better at making money in business but when it comes to building true wealth we show no wisdom.

It is worth noting that in the 1970s before the rise of qualified plans(IRA, 401k, Thrift savings) and the rise of Pharma companies we were a much healthier and financially secure country. Imagine if all of the money that was generated in the 80s, 90s and 2000s was never invested in the stock market so when the market crashed the average American would not be losing their life savings. Can you imagine that because that is the way it needs to be for us to get on the true path to wealth building?

Imagine that our grocery stores actually had mostly food in there instead of foodstuff products. Most people don’t even realize that most of the products in a grocery store are made up chemical compounds and not food at all. The only real food in the store are the fruits, veggies and meats, the rest is Cheetos and Oreo cookies.

Take a look at your life and ask yourself are you developing true Wealth, Wellness and Wisdom and if not start seeking to make changes today.

This week I’m going to give you some major resources to help you along the path. I’m going to give you some truths to consider and some resources to explore to help you have a better life. Please subscribe to this blog. I promise to give you something life changing this week and every week and share this info with your friends.

Wishing you Wealth Wellness and Wisdom

Mark Fuller
Manager of Wealth

Young Couples Planning to be Broke..If they stay together at all

Most young couples ages 25 to 45 have conversations and agreements around money related to what they plan to consume not save. 

That’s really it, there is no plan to save and if there is, that plan is not primary or even secondary. The plan to consume is a top priority and thus most relationships are problemactic as it relates to money.

In fact the savings of most young people is really a preconsumption fund, meaning money saved  for retirement is subject to be tapped if a new house, car or private school for the kids comes along and thus it was never a future fund from the start.

At a minimum a family needs three things financially:

1. Life Insurance to totally replace each bread winners income and get the family through all the years they would be dependant on that income.

2. A plan to save at least 1 million dollars by retirement. You will need at least this by the time you retire.

3. An agreement not to blow the future on temporary cars, houses, and other things that come along and derail you from your plan.

It is my belief that 50% of marriages don’t need to end in divorce. Most of it is bad planning and financial stress caused by bad decisions. Keeping your family intact is the best reason of all to do the right thing.

Wishing you Wealth Wellness and Wisdom

Manager of Wealth

Maxing out you 401K sets You Up for Higher Taxes

Tony Brayboy of Matrix Wealth LLC speaks at the Wealth Breakfast in Baltimore

Winning and Losing the Mega Millions Lottery all in the Same Week!

For the last week the country has been in a frenzy about the 640 Million Dollar lottery. People purchased stacks of tickets hoping just one would be the lucky ticket that would put them on a path to a life of luxury, security and maybe even charity. The hope most people lived with last week is the path I walk everyday, only it takes a little more than a ticket purchase to make things happen in my world. The irony of this week is I was both a loser and a winner in the big lottery and maybe sharing my story will help you eventually become the winner we should all be striving to be.

Losing Mega Millions

As a business consultant sometimes you are asked to do what many think is totally impossible. Last week my team was asked to find 150 million dollars for a client with no ability to secure the loan. In addition, our client wants to run a business where there are only 2 people of their gender and ethnicity running a business in this multi trillion-dollar industry. Our client had been unable to get funding for their venture for more than 5 years even with a decade and a half of experience and world-class connections in their field. Most people in the world would kill for their connections; but not fund their business.

So our client went to work for the government and was paid six figures a year to bring in 1 Billion dollars a month in business every month for the last 7 years. Our client has been working everyday hoping to win the lottery, which means getting funding for their business so that they can do for themselves what they do everyday at work. And be paid millions per month instead of six figures a year.

Last week our team had the pleasure of informing our client that they had won the lottery.  We had found them a partner who would supply all their financial needs, allow them to keep 100% of their own company, and require only that our client allow them indirect access to their suppliers. In addition, other clients of our group handed this client a multibillion dollar order to fill beginning in one week. That contract pays tens of millions in profit per month. Cha ching!

It’s a lottery win for our team as well. This deal is incredible like a star quarterback’s NFL contract but with many more zeros.  But we are struggling to get our client to commit because they simply never thought it would happen and they never thought it would happen this way.

They say that most lottery winners are broke within ten years, mostly because they mentally self destruct. It’s easier to want it all than to have it all. One thing is for sure if our client doesn’t get it together we will know what it’s like to lose Mega Millions.  It’s not a great feeling. I was pretty down in the dumps last night while reading all the comments people were writing on Facebook and Twitter about a winning ticket because I already had the winning ticket for three days and I couldn’t cash it.

Then I got a phone call and my lottery fortunes changed.

At 11 pm last evening one of my closest friends called me from a bar where he was hanging out with some friends. He called to say that he was talking about another project we were consulting on and that he was sitting with an investor who could put up the 8 million for the project. He asked me if I was available to talk with him right then and of course I was.

Turns out my friend forgot a zero in the price and told his friend $800,000.00 was needed to complete the project but I really didn’t care at that point because I knew I had won the Friend Lottery.  It was important to my friend to advocate on my behalf and help me close a major deal even at 11 pm.

Wow. Doesn’t matter how that works out, I’ve totally won the big payout and money has nothing to do with it.

The people who think of you and try to help you are your true friends. And the people you think about and try to help achieve their dreams are the people you are a true friend to.

I take three things from this week’s lottery winnings and loses.

1) The odds of winning a passive lottery are very low but the odds of winning at a game you are in are extremely high because you are actively going after the big goal.

2)Most people get a few chances in life to have exactly what they desire but fear, self-esteem, or distrust keeps them from being successful in the way that they asked the universe to deliver. We do get what we want!

3)Most of the successful people on the planet have friends and family that they support and that support them. They are the greatest treasure and should not be taken for granted.

If you don’t know what it’s like to win or lose millions in a week and you want to know, maybe you aren’t really going after it. You’ve got to play to win.

Wishing you Wealth Wellness and Wisdom,

Manager of  Wealth

The Uninsured Risk of Being a Parent and how to protect your Family Properly

If you are reading this chances are you have a family. I am also going to assume that you love your family,and are making big plans for the future of your children. Some of these plans may include a great primary and secondary education. Also making opportunities and experiences available to them in arts and culture, and making sure they get a solid start once they reach adulthood.

I applaud your plans for your children. Your kids will have opportunities that you never even dreamed about when you were their age. The great thing is that your hard work and sacrifice is paying for all of these opportunities as well as the basics, food, clothing, shelter, video games, etc. Even greater news is you have a plan and the work ethic to get it done for your family. The not so good news is that you most likely have no real plan in place to fully provide the INCOME it will take to carry out those plans if you were to pass away prematurely.

The uninsured risk of being a parent is hitting more and more families everyday. Many 30 and 40-year-old parents are being stricken with Breast cancer, diabetes, stokes, heart attacks and sleep apnea. Not to mention simple work and non work related accidents and car crashes. The ranks of the six figure earners are exploding with women and minorities like never before in the history of the U.S..

The ranks of the properly insured grow smaller everyday.Why? Because the idea of what being properly insured is has not advanced in the last two generations and the wealthy are the only ones truly taking advantage of the great opportunity to advance the family legacy through the proper use of insurance.

Being properly insured means being able to totally replace your yearly income for the full time your family will need it. How long do you suppose your children and/or your spouse will NEED your income? Depending on the commitments you have made and the plans your family has that could mean 25 to 50 years. 30 plans for houses, 5 year plans for cars and 20 plans for credit cards. Do you have a plan that will pay for that long? Do you have total income replacement insurance that you personally own? If not, you are leaving your entire family in peril everyday because you refuse to totally cover the risk.

A recent survey was done amongst six figure earning parents and they were asked how much life insurance protection they had. The number than had over $500,000.00 was less than 5%. The number the that had none was over 20%.The number that would have none if they loss or changed their job was over 40%. This is an epidemic problem. Can your family lose over $100,000.00 of income and still operate at a level?

How to replace Income

$500,000.00 can only replace about $20,000.00 in income long term because you can’t really get more than a 4% guaranteed return in any stable financial instrument. That means to replace $100,000.00 you need about $2.5 million in life insurance. Put in the proper instrument it will pay $100,000.00 per year forever. It will pay your spouse, your children, and your childrens’ children, etc.. Learning how to do this properly and for as little cost as possible is an art.

BTW, If you have coverage on your job you need to purchase proper coverage like you have no coverage at all because if you lose or leave your job that is exactly what you will have only you will be older than you are now and the coverage will cost much more. Don’t fall into the trap that gets so many Americans. There are so many Americans looking for proper coverage that they are simply to old or too sick to qualify for. Insurance favors the young and the healthy and time is not on your side.

The structure of a proper income replacement plan is key. If you don’t have a plan that will replace your income for the next 50 years minimum then call me so I can help you put together great options. Having no plan is a plan to fail and today’s parents are failing their children everyday by only considering the possibilities if everything remains perfect. Nothing ever goes perfectly. Plan for the worst and hope for the best and you will never have any regrets. By law you can not drive a car or own a  home without proper coverage. Why can you be a parents without proper coverage. So much is riding on YOU!

Call me at 410-908-5987 to schedule a free 15 minute consultation.

Wishing you Wealth Wellness and Wisdom

Mark

Manager of Wealth

Life Insurance is not the Plan, it is the Funding Source of the Plan!

If you read my last blog post then you know that I believe you should have a plan to replace your income in the event something unfortunate happens to you. Everyday I see examples of families that failed to plan and the hardships the surely come with the lost of that income.

Let’s be clear I know you don’t want life insurance. You want your family to be able to carry on and accomplish the dreams and plans you had for them. Maybe by the end of this series you will want life insurance when you realize how much you can use it to make your dreams come true while you are alive. The important thing is that having Life Insurance does not solve all of your planning issues because a large sum a money going to your family will not solve the main challenge facing your family. The main challenge is a clear and effective plan.

Many people just leave money to their families and before long the money is gone and then the financial struggles begin. Why not set a plan in place using your will to say exactly how the money is to be dispersed?  Why not have the money go into a fund the preserves the capital but pays a life time income to your  surviving family members and passes the principal on to the next generation?

The insurance is only the funding source for the plan. If you have 2 million dollars in life insurance why not have your trustee set up an annuity that pays $100,000.00 per year to your heirs and then passes the payments on to future generations when the pass. Most people don’t do this because they did not know it was an option. Never leave provsions without instructions.

Your gift to your family could be multi generational if you plan well. Can you imagine your two million paying out 5 million over fifty years while preserving the principal? That’s the power of a couple hundred bucks a month in the right hands.

Remember of the plan,Life Insurance is not the Plan, it is the funding source!

Wishing you Wealth Wellness and Wisdom,

Mark

Manager of Wealth

What Happens to your Family Financially if you Don’t come home Tonight?

This is one of the most powerful questions for a family to answer concerning every income earner in the home. It is certain that the death of any member of the family is a tragedy but the total loss of your income to the household is a second lingering tragedy that is felt for decades by the very love ones you went to work to support every day.

The American family has a very serious problem. Many fathers and mothers think they are properly insured and that the insurance policies they personally own or the ones they have at work are enough to cover their families. This assumption is not only wrong but it is dangerous because your whole family is counting on you knowing better and doing better to protect them. There are inexpensive fixes that must be put in place today so that your family can continue to thrive and grow even if you die or are totally disabled..

What is the proper amount of insurance?

The proper amount of insurance is the amount of insurance that pays off all debt and TOTALLY replaces your income. If you earn $80,000.00 you need an amount of insurance that will pay $80,000.00 per year of more forever.  Do not count insurance you have through your job because you may not always have that job. In addition the longer you go without owning your own policy the older you get and the more expensive you will be to insure. Insurance favors the young and healthy. own the solution to your problem.

If you have 1.5 to 2 million in insurance (do not buy it in term unless it is a special term that converts to permanent insurance) your family can pay off its’ debt and then put the balance in an annuity that will pay 5% a year. If placed in trust it can pay $80,000.00 through your spouses life time, your kids life time, and your grand children’s life time without ever touching the principal. A healthy 40 year old could purchase this for about $200.00 per month. If your spouse did the same and you taught your children to do the same when they became adults, your grandchildren will have some serious trust funds. And it can all be created from very little money.

 Would you pay $200.00 per month to know that your family would get $80,000.00 per year forever?

We pay $600.00 per month car notes, $2500.00 mortgage payments, 1500.00 per month tuition for elementary school in some cases. Why are we not putting things in place in case the worse happens? Every Father , Mother, and responsible adult should put an income replacement plan in place right now. It’s not just a policy in the right amount but a written plan that gives instructions to make the money do what is supposed to do.

I often hear spouses say that if something happens to them the house will be paid off and that the other spouse and the children will be ok. The truth is they will not be ok losing all of that income. Many things are no longer possible now that your income no longer exist. Things will continue to get more expensive and your money will buy less everyday. When you were born gas cost less than one dollar per gallon. Now it’s almost four dollars per gallon. Don’t leave a family with a paid off house and broke.

It’s not fair and its not why you are working so hard NOW

I did a survey of 20 friends and associates who earn over $150,000.00 and live in homes with debt over $300,000.00. Most had their children in private schools paying between $600.00 to $2000.00 per month. Not one had a policy worth more than $500,000.00. These are all great parents that love and care for their amazing children but if something happened to them or their spouse their children’s life styles would disappear within two years. I know that is not what they want for their families. So I’m helping to change that now!

You will need help doing the right thing affordably and I can refer you to excellent resources. 866-392-5805.

What happens to my family financially if something happens to me? They will be debt free and still have my total income coming in every year for the rest of their lives. If you can’t say that you should be calling me now.

Wishing you Wealth Wellness and Wisdom

Mark

Victims of improper foreclosure may receive Compensation

If you or anyone you know was foreclosed on by any of 14 majors banks between Jan 1 2009 and December 31 2010 you may be due some money.

Except below: 

MORTGAGE SERVICERS TO OFFER INDEPENDENT REVIEW

OF 2009-2010 HOME FORECLOSURES

WASHINGTON, (Nov. 1, 2011) – Fourteen U.S. mortgage servicers and their affiliates are making available free, impartial Independent Foreclosure Reviews to certain of their borrowers as part of the consent orders entered into with the Board of Governors of the Federal Reserve System and the Office of the Comptroller of the Currency in April 2011. The reviews will be conducted by independent consultants upon request by borrowers who faced a foreclosure action on their primary residence during the period of Jan. 1, 2009 through Dec. 31, 2010.

If eligible borrowers believe that they were financially injured as a result of servicers errors, misrepresentations or other deficiencies in the foreclosure process, they can request a review of their foreclosure file to verify that their foreclosure process was handled properly. Foreclosure actions that may be eligible for a review include:

Property sold due to a foreclosure judgment.

Mortgage loans referred into the foreclosure process but removed from the process because payments were brought up-to-date or the borrower entered a payment plan or modification program.

Mortgage loans referred into the foreclosure process, but the home was sold or the borrower participated in a short sale, or chose a deed-in-lieu or other program to avoid foreclosure.

Mortgage loans referred into the foreclosure process and remains delinquent but the foreclosure sale has not yet taken place.

Read the entire article here: http://www.fsround.org/fsr/pdfs/press_releases/IFRPressReleaseFinal11-1.pdf

There have been so many proven stories of improper foreclosures that many people are going to get compensated. I hope homeowners do not miss out on this opportunity.

If financial injury is found through a review, borrowers could receive compensation.

 

Four Things Occupy Wall Street should be thinking about to change America for the Better!

It is great to see people standing for something. Although it is early in the development of the Occupy Wall Street movement, it may yet be a great thing for the country. There is a unique opportunity, not just to complain but to question the very foundation of what we count on Wall Street for.

Should America be counting on Wall Street for their retirement saving? Absolutely not. Markets will have ups and downs for a great number of reasons that don’t make any sense to the investor. Making money trading on Wall Street and making money investing as a retirement plan owner are two totally different things. The biggest difference is a trader can make money on both sides of a trade.  A retirement plan investor loses every time their stocks go down in price.

In addition stock prices go down if the company does not reach the targets it set in its quarterly plan, even if makes a huge real profit. You lose as a stock holder and the company keeps the cash. Stocks like Microsoft that have been performing poorly over the last few years still they make tons of cash. Stock value goes down but the company does billions in sales profitably. Sound like a good deal?

There are investments in America that have offered profitable returns in America for the last 100 years. They don’t have all the sexy marketing. They just work and have better tax advantages.

America needs to go back to investing the way it did before 1978 when retirement plans were created. People would be a lot richer without the risk of investing in what they don’t understand.

Do the Occupy Wall Street protestors know that Wall Street is about to shrink on its own over the next 20 years because of population trends?  Everyday 10,000 people turn 65 in America. This will happen everyday for the next 20 years. These seniors have more than 65% of the country’s wealth and they are moving it to safety because it’s all they have. In addition to that stat only 3 in 100 seniors has enough capital to retire comfortably. Those three are not taking any risk.

What happens when a country’s baby boomers take their cash out of the stock market, you ask? Japan happens! Their population is 20 years older than ours. When their baby boomers retired they took the money in the Japanese market with them. Their market is 75% below 25 years ago. We will most certainly see the same.

Occupy Wall Street should be asking what is the plan now that the world is making moves to remove the dollar as the favored currency in the world?  All of the top world powers have been meeting in secret and not so secret meetings to remove the dollar and create one central currency under one global central bank. This would crush our economy because we are the largest debtor nation and our currency would be worth very little in the world.

Here is a fact to think about regarding the country’s debt. If you taxed every American at 100% of earnings the national debt would still not be paid off. This is the real cost of our 10 year war. It has completely drained our treasury.

The fall of the stock market, the exit of seniors money, the crushing debt, and the change to a global currency are things that are happening for sure. It is no longer conspiracy talk like when we were in college years ago.

If you are marching around with a sign while not seriously considering alternatives to the system itself, you are not making things better for you or your family. It time for these wonderfully intelligent, free American people to start to think!

Please let me know your thoughts! If you think this is worth talking about post it and resend it to your friends.

Wealth Wellness Wisdom

Mark

Manager of Wealth