Wealth Transfers - Part 2

You can not avoid having a Personal Economy neither an  economic reaction to our financial actions.

However, what you can control better is seeing how those financial actions interact among them, in order to have an strategy to create favorable reactions. As we can use the money placed in our Private Reserve to avoid paying interest to third party institutions,  like when we buy our cars, taking an external loan. If we save that loan interest, it would become part of our cash flow, creating an internal growth in our Private Reserve.

Consequently, the Private Reserve always prevents  and recovers costs, has internal growth, allows also external growth by allowing collateralized borrowing plus additional benefits.

All this recovery of money to be placed in our cash flow, creates an exponential growth to generate enough income for life, without paying income taxes by following proper legal advice.

Wealth Transfers - Part One

Our PERSONAL ECONOMY has several WEALTH TRANSFERS, like the way 

we buy our cars through our lives, infrequent major purchases that 

causes paid interest or lost interest by paying in cash. 

Other money transfers could be, lost money on low interest savings, not even  covering taxes and inflation. Also, the way we pay our insurance with inconvenient level of deductibles.

Some other wealth transfers are our income and investment taxes 

with penalties and fees and business expenses.

How much do you have to save and risk just to compensate 

these money  transfers or leaks in our Personal Economy ?

Our Personal Economy has 3 MONEY TYPES: 1) Protection 2) Savings and  3) Growth

Actions that have to be taken are interrelated but with hard control and coordination on our side.

These actions need a main and central piece to make all the remaining components to work better.

These key piece is called Our PRIVATE RESERVE.

This Key piece is our quarterback of our financial game

Losses generated by money transfers must be measured also in the sense of what 

they could have earned if we had them invested, this is called The OPPORTUNITY COST.

If we do not control it, all these money goes to the Government,  

Banks and other Financial Institutions getting lost for ever.

The Private Reserve is a financial process that we own and control, where

we gain interest, without paying taxes or penalties for the money 

we take out of it by following certain principles.

It's like having your OWN BANK.

This Financial Process recovers interest that we could have paid 

to commercial banks and other financial institutions. 

Also, it recovers lost interest if we had made our purchases in cash,.

Again, this is by using the opportunity cost principle and placing 

that lost interest to generate, instead, money growth for us.

The Wall Street Casino Record and The Hidden Wealth

According to a recognized Financial Research Firm, "Dalbar Inc", the average investor 

got a annual 1.65% return in the last 30 years. Wow  !!! Wow !!!

That return is spread out among a mix of fund types, like Mutual Funds and 

it didn't beat even the Average Inflation of 2.6% in the same period.

What a Performance !

And the "Dalbar Inc" analysis goes on and on with other financial instruments like "Equity" funds, "Fixed-Income" funds and tax-differed  vehicles like 401K and similar.

Many times, these returns get lower due to administrative charges, 

transfer costs and taxes for to be paid at time of gains.

This Research concludes that this is not only due to bad timing on their buying-selling moment but to bad conceptions and psychological traps that make the investor to act in a irrational way, like loss aversion, optimism in the sense that only good things will happen to them and copying others behavior even facing negative outcomes.

If you are tired of throwing the dices at Wall Street and other traditional investments 

then,  we have other better alternative that it has been performing much better for many years (160+)

This is the Hidden Wealth found in our Personal Economy and it is based on irrefutable facts.

We human beings, have many needs and likes, now, and in the near future, creating a lot of conflict between satisfying previous matters and trying to prepare for a better welfare, 

making wiser money decisions. 

This pressure makes us to get into excessive financial costs 

building a weak foundation for our financial future.

Then, we just hope to obtain the promised attractive returns offered by the conventional financial industry with very unpleasant results as it has been reviewed for the last 30 years.

The Hidden Wealth exists here and now, in our cash flow. 

Let's us find it for you !

WHERE IS MY MONEY GOING?

Projections, Desires and Hopes can not be part of a Financial Plan

This is what Traditional Advising 
have been teaching us for 
the last decades, even though, it seems 
to do not be working for the 95% 
of Americans because they 
do not know when to retire.

Picture from "bugoutalley.com"

                            In the USA, just one out of 

                            1000 Financial Advisors look

                            for "How to avoid money losses 

                            out of our cash"

                                                                        

Picture from "Stealinganddealing..."

                                               

                                                       

                                                                                              

IS TRADITIONAL FINANCIAL ADVISING WORKING FOR YOU?

THE WAY WE PAY our properties, get education financing, purchase our transportation vehicles through loans or leases, penalties & obstacles on accessing our assets and over premiums spent on low insurance deductibles and service co-payments make a huge amount of money transfers (losses) on our cash flow that would make a big difference at our retirement time.

credit: Kanoocurrency.co.uk

Setting up an APPROPRIATE ASSET COMBINATION 

is a key decision on our WEALTH GROWTH.

Financial Paradigms 

on Creating Wealth 

Is Return the Most Important Factor on Growing Wealth ?

Let's say your family income is 100,000$ a year 

and you are one of the privilege savers in the USA, putting aside 5% , that is  $ 5,000 a year !!!

What would be on today's economy a good return with NO-Risk ?

???????

How about 5% , that would mean 250$ on growth per year besides your 100,000$ Principal.

Would that be enough to make you, financial independent in a few years ?

Probably not ...

How different would it be if  I tell you, that I could recover 5,000$ out of your cash flow because of  damaging financing on your major purchases, taxes  that you could have legally saved (*),  certain fees, penalties, deductibles on your services and financial instruments that all together, create a considerable amount of money transfers (Losses).

 (*) Always consult your tax adviser

Now you have 5,000$ in your hands that you didn't have before. 

All of  a sudden, you increase your wealth from the 250$ generated previously by your savings, to an additional 5,000$ dollars that could be used for better financial decisions and 

to create a much brighter financial future. 

It is actually 20 times bigger than the 250$ amount 

and guess what, without taking any risk, 

because it was recovered, not even invested yet !

One question, what is better, the savings of 5% at 5% or the recovery of 5% on your cash flow ?

This is exactly what I do, Recover this mMney for You !!!

When do you want to know, 

if together, we could do better ?

 

Accelerated Financial Growth – An Unconventional View

We have been trained or led to believe that accumulating wealth is just a matter of the return of our money. It is much more complex than that.

       

There are many different factors than the Rate of Return to come out with an asset as more attractive to place our money.

    

The first factor is how many times our money makes more money in a time cycle (Monthly, quarterly, yearly).  This is called in economy, the Velocity of the Money.

     

There are industries or businesses in which the money completes a cycle faster than in many other sectors, even though their individual returns may be lower.

There are typical examples like the Supermarket Business and the Banking Industry, with a faster turnover ratio of many of their products or services by using the same dollar, several times in a time period. Consequently, single returns of every money turnover have to be added to measure their total rate of return.

Another important factor to measure profitability, besides the internal return, is Liquidity, Use and Control,

                                      

There are typical examples like the Supermarket Business and the Banking Industry, with a faster turnover ratio of many of their products or services by using the same dollar, several times in a time period. Consequently, single returns of every money turnover have to be added to measure their total rate of return.

                                  

 

This is how fast I could access part or all my money, once I invest it in a certain asset. There are many examples of how inconvenient would be in other assets to “touch” our capital or its growth because it is the wrong timing.

It could be because of its market value, costly penalty fees, or economy adverse conditions and tax penalties that would diminish its financial worth.

Our financial Instruments could be accessed as soon as 30 days after placing our first money.

 

In our instruments, this flexibility gives more business opportunity to the investor or saver, increasing overall future returns and avoiding maintenance costs.

Our financial Instruments could be accessed as soon as 30 days after placing our first money.

             

You should be curious by now, to question yourself, which asset type could gather all previous advantages in terms of Profitability. Guess what? It doesn’t end here!

However, we are going to advance that this asset type is, some particular type of permanent life insurance policy!!!

Additional returns will be generated by this type of permanent life insurance policies if we consider that they come with practical concepts like Collateralization and Uninterrupted Compounding Interest.

                

With these unique instruments you could obtain collateralized loans without charges/fees or questions asked.

This is the Collateralization process, in which your policy is a lean that the Insurance Company uses to lend you its own money.

This internal loan, at low interest, will not stop the guaranteed growth on client’s policy. Consequently, you are doubling the use of same money by growing in 2 ways.

While you are using this loan money you are also getting an uninterrupted compounding interest on your policy by contracted guarantees.

                                                            

We are very pleased that these instruments are available to both US Residents and Foreigners, approval depends on the insurance company underwriting criteria.

                  

Many years in the financial arena as well as having all these benefits together in one financial instrument, makes us to highlight that nowadays, there is not a more secure and very predictable way to place our money in addition to outstanding returns and other key and unique benefits.

It is estimated that just one of every 1,000 financial advisors knows this kind of particular policies due to the way that most of them have been trained to promote other more rewarding policies for the traditional advisor

Many years in the financial arena as well as having all these benefits together in one financial instrument, makes us to highlight that nowadays, there is not a more secure and very predictable way to place our money in addition to outstanding returns and other key and unique benefits.

It is estimated that just one of every 1,000 financial advisors knows this kind of particular policies due to the way that most of them have been trained to promote other more rewarding policies for the traditional advisor .

                                                 

It is also known that these very beneficial processes are not unfortunately popular because of the abundant training required to explain how the products have to be structured and designed to favor their prospects.­