1. Identify a Real Market Problem which will have customers lining up for your Solution
2. Use Real Strategy to stand out and put you ahead of the curve
3. Craft a business model for making millions in revenue and profit
4. Control Failure, Plan to fail, and fail early. You want your failure to be early on and controlled so that you can figure out what not to do early and not have an unrealistic expectation that everything you do will work out. Key is not to fail so massively that it causes you to have to close down the business.

Weekly Overview:
“Trust, but verify,” was a term used by President Reagan when he was negotiating a nuclear
forces treaty with Russian leader, Mikhail Gorbachev. It’s a polite way of saying,
“I hear what you are saying, but I will trust you only after verification.”
This is good advice and can be used by all of us…especially when we are talking about
anything which will effect our Financies.
CPI Data:
PPI Data:
Achieving the traditional American Dream—a suburban home, two kids, and a nice car—now costs an estimated $4.4 million, according to Investopedia. This figure exceeds the lifetime earnings of most Americans, who average around $3.3 million.

Key expenses include:

• Retirement: $1.6 million, the largest single expense, emphasizing the need to save from age 22 to 65 for a comfortable retirement.
• Home ownership: Approximately $930,000, factoring in interest, insurance, and taxes, alongside the average home price of around $400,000.
• Raising two children: About $832,172, which includes costs until age 17 and college.
• New car: $811,440.
• Yearly vacation: $179,109.
• Wedding: $44,300.
• Pets: $36,626.
• Funeral costs: $8,453.

The report highlights that dual-income households might better manage these costs, while singles may find the American Dream increasingly unattainable. To secure financial independence, it’s essential to start saving early and plan for these substantial future expenses.

Q3 Earnings season has kicked off with a couple of the big banks up to bat; JPMorgan Chase (JPM)
and Wells Fargo (WFC). JPM beat on both the top and bottom lines, while WFC beat on earnings,
but revenues were in line with expectations. Next Tuesday, we’ll see where the other
big banks, Goldman Sachs, Bank of America and Citigroup, land. But so far, not a bad start.

Financial Markets:
S&P: $5,864.67
Dow 30 $43,275.91
Nasdaq: $18,489.55
Russell 2000 $2,276.09
Crude Oil: $63.34
Gold: $2,736.40 an ounce

Housing Market:
It was reported that the pace of new home construction slowed in September as high mortgage rates
maintaned their stranglehold on the housing market. Builders are not constructing enough houses to keep up with the population
growth. In 2022 2.06 million households were formed, far more than the 1.6 million houses and apartment units that builders began
to construct that year, according to an analysiss by Realtor.com Economist are expecting interest rates to come down in the coming
year as the Federal Reserve reduces its benchmark fed fund rate, which had been held at a two-decade high to combat inflation.
However, the downward path has been a bumpy one as the averaage rate offered for a 30 year mortgage actually rose to 6.44% this week,
the highest since August, and well above the sub-3% rates available dure the pandemic, according to Freddie Mac. Home builders are
holding steady awaiting further rate cuts in hope of kick starting demand.

Labor Market:
This week the U.S. Department of Commerce (DOC) announced major investments across the country that are proposed to
create new good-paying manufacturing and construction jobs, expand access to affordable, reliable and high-speed internet service,
and reached a milestone that will boost recreation, tourism, and other local industries.

CHIPS for America

In Pennsylvania and California, DOC and Infinera have signed a non-binding preliminary
memorandum of terms (PMT) to provide up to $93 million in proposed direct funding under
the CHIPS and Science Act. The proposed funding would support the construction of a new fab
in San Jose, CA and a new advanced test and packaging facility in Bethlehem, PA. Across both
projects, this proposed investment would support the creation of up to 500 manufacturing jobs
and 1,200 construction jobs.

In Alabama and Florida, the National Telecommunications and Information Administration (NTIA)
approved initial proposals for the Broadband Equity, Access, and Deployment (BEAD) program

Business:In 2022 Congress passed the Corporate Transparency Act, which requires all corporations filed
prior to January 1, 2024, whether filed as an C-Corp, S-Corp, LLC, LLP, or the like, to file the
Beneficial Owner Report or B.O.I Report to FinCen. This report is due by January 1, 2025 for companies required to file.
The purpose of this law was claimed to be passed to fight money laundry, fraud, and other criminal activities
from people filling shelf corporations or obscuring the ownership of the corporation in layers of holding corps.
In my opinion this law is extremely unconstitutional and I do believe it will be repealed, however the government
is using a coercion and scare tactic to force everyone into compliance with a threat of a $550 a day fine up to $100,000
for not complying with the act. I myself a holder of a multitude of corporations am diligently seeking out the expemptions
which are offered to 25 types of companies, most of these being the same companies committing the acts which they claim it was
passed to enforce.

Personal Credit:

Escrow
 
Escrow is a legal concept describing a financial agreement whereby an asset or
money is held by a third party on behalf of two other parties that are in the process of
completing a transaction.

We Are Here To Help
 
As you may know, traditional schools often overlook the critical subject of
financial education. Many of us leave school without the essential skills needed to
manage money effectively, which can lead to financial struggles later in life.

n today’s digital age, there are countless resources available to help bridge this educational gap. Platforms like YouTube offer a wealth of free content from financial experts,
while books provide in-depth insights into money management and investing.

However, if you’re looking for practical, actionable advice that you can apply immediately, the Rich Dad Poor Dad Newsletter is an invaluable resource.

Our newsletter takes the timeless lessons from the bestselling book and translates them into strategies you can use today.

Whether you’re looking to improve your budgeting skills, start investing, or understand the difference between assets and liabilities, our newsletter provides the guidance you need.
But there’s good news—learning about money doesn’t have to be confined to the classroom.
Whether you are curious about mortgage refinancing, lowering your credit score, or digging yourself out of credit card debt, we have got you covered.

Maybe you want to learn more about social security, AARP benefits or other retirement advice. We will help you feel confident with your financial decisions so you can sit back and truly enjoy your golden years

A report from Fortune states that Research shows cost of American Dream Staggering; The American Dream cost over $1 million more than most
Americans will make in their lifetime, a potential $4.4 million.
$4.4 Million dollars is nearly $1 million more than most Americans will earn in their lifetimes.

Top 10% of Americans have a household median net worth of about $3.8 Millon.
The American Dream cost
The report noted that Americans need to start saving from the moment they land their first job out of college at 22 years old and continue saving until they reach 65 in order to retire comfortably (or pay for assisted living later in life).

That is, if they want to be able to live off the recommended 4% withdrawal each year—or roughly $64,000 for 20 years.

Retirement: $1,599,995
Owning a home: $929,955
Raising two children plus college: $832,172
Owning a new car: $811,440
Yearly vacation: $179,109
Wedding: $44,300
Pets: $36,626
Funeral: $8,453

Total: $4,442,050

20 Money Rules

1. Money is a Game = The more you play the better you will get
2. Don’t Be A Hater of Money = If you hate money money will evade you
3. Double = Its about doubling your money the entire game
   A. $1000 B. $2000 C. $4000 D. $8000 E. $16000 F. $32000 G. $64000 H. $128,000 I. $256,000 J. $512,000 K. $1,024,000 L. $2,048,000 M. $4,096,000 N. $8,192,000
   Risk tolerance and Time Horizon
4. Seduction = Money doesn’t like desperate people, Money likes to be seduced. Don’t let money seduce you you seduce money
5. Timing = Using information to determine your timing, of when you act
6. Boredom = Money needs to be moved, money doesn’t like to be bored
7. Secret Account = An account no ones knows about, a crisis account needs to be liquid
8. First Class = Don’t fly first class till you have $10mill in the bank
9. Compensation Plan = Study how you are taxed, understand it and utilize it to your advantage to grow your wealth
10. See an End, Have an Exit Strategy, Chicken little Mentality = Learn to take advantage of Fear, and be liquid when the end comes
11. POTUS/Politicians = Know who they are and study them their philosophies, etc If their philosophy is to tax you heavily you need to adjust
12. Study smart investors = Don’t be too religious about them, learn their way of thinking, their mind set
13. Play your game, don’t compare, don’t compete = In your doubles you are where you are and others are where they are, you will lose doubles by making reckless decisions
14. Index = Achieve your goals, don’t worry about the index
15. Befriend Money makers that you trust = If you around people who know how to make money you will make money
16. Diversification is for Sissies = If you just rely on diversification the time may take extremely longer
17. Leverage = How can you leverage to have more
18. Positioning = Put your self in a position to be at an advantage, not a disadvantage
19. Strategic Partnerships = Increases the value of making money, because more people are making money with you
20. Big Check Syndrome = Don’t treat one big check as a major payday, treat is as a stipend over the course of each month. No matter how much you have is irrelevant if you don’t know how to play the money game.

Hi Guys!

As many of you may already know we have been around educating people on the fundamentals of financial literacy and wealth building since 2008. Our programs host some of the most valuable and practical educational curriculums around. We pride ourselves on providing you with current information in which ever course you attend, and simple to follow, learn at your own pace instructions, which are sure to get you results.

“You don’t have to be first, but by golly you need to be your best!”.

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From our Wealth Building through Financial Literacy Course, to our 800 Club training, and Credit Hacks, Bank Hacks, and The Serial Entrepreneur. We believe you would be hard pressed to find another as good or better than what we offer!

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You see we believe Wealth in itself is obtainable for all who seek it, with diligence, persistence, and through sound application of the laws, principals, and theories which govern it, any man or woman may obtain that great elusive siren known as “Fortune.” As she is not a koi spirit and only favors those who understand her true nature..

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Hack Your Bank; In this course we teach you the behind the scenes inner workings of those financial institutions who seem to be the gatekeepers to obtaining loans, credit cards, mortgages, business financing and so much more.

Hack Your Credit; It seems like the ever changing standards which the major credit bureaus grade us all by are simply impossible to master, however in this course we actually teach you the fundamentals which is the same algorithms utilized to calculate the scores, which determine your financial future, are based on.

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We welcome all wealth minded individuals seeking like minded minds.

Investing = A method of purchasing assets to gain profit in the form of reasonably predictable income (dividends, interest, or rentals) and/or appreciation over the long term.

A small percentage of financial education programs are designed around solid empirical evidence of best practices. This failure can be attributed in part to a shortage of rigorous research defining those financial education best practices.

Recently, however, there is growing evidence base and research documenting the steps to designing effective financial literacy programming. To successfully raise financial competencies, successful programs address specific areas essential to molding or modifying financial behaviors.

families. Since that time I have kept an eye on the figures and the proportion of income allocated to each category. This seems to be the current situation, which doesn’t seem to change all that much. I build scenarios around the “All-American family” because I don’t want people to think you have to be rich to create a banking system that can handle all your needs for finance. This young man is 29 years old and is making $ 28,500 per year after taxes. What does he do with the after-tax income? Twenty percent is spent on transportation, thirty percent is spent on housing, forty-five percent is spent on “living” (clothes, groceries, contributions to religious and charitable causes, boat payments, casualty insurance on cars, vacations , etc. Many of these items are financed by charge cards or bank notes. The balance is financed by paying cash for them—and thus , giving up interest that could be earned, otherwise). He is saving less than five percent of disposable income. But, to be as generous as possible, let’s assume that he is saving ten percent and spending only forty percent on living expenses . This is giving him every benefit of the doubt on the matter of savings. Just remember, the real situation is at least twice as bad as what will be depicted! The problem is that all these items are financed by other banking organizations. An automobile financing package for this hypothetical person is $ 10,550 for 48 months with an interest rate of at least 8.5% with payments of $ 260.05 per month. But, if you will check with the sales manager of an automobile agency you will find that 95% of the cars that are traded in are not paid for! This means, at the end of 30 months, if the car is traded, 21% of every payment dollar is interest. Even if he goes the full four years, the portion of every payment made is still 20%! This means that the interest portion of every dollar spent is perpetual. It never seems to dawn that the volume of interest is the real issue, not the annual percentage rate. For a real thrill, go to see the sales manager of the high priced cars and ask him what percentage of the cars that leave their car lot are leased. The answer will probably be 75%, or more! This is worse than financing a car purchase. When you go to the Doctor’s office to get a shot of some kind, the criteria is not the rate at which the medicine is injected into you— it is the volume! Too little, and it won’t do any good— too much and it can kill you! Now, let’s move to the housing situation. This young man can qualify for a 30 year fixed-rate mortgage in the amount of about $ 93,000 at a fixed interest rate of 7% APR with payments of $ 618.75 and closing costs of some $ 2,500. The problem is that within 5 years he will move to another city, across town, or refinance the mortgage. Something happens to a mortgage within 5 years. Including the closing costs and interest paid out during these 60 months he had paid $ 39,625, but only $ 5,458 has gone to reduce the loan. This means that $ 34,167 has gone to interest and closing costs. Divide the amount paid out into t

he interest and closing costs and you find that 86% of every dollar paid out goes

Credit Hybrid and Credit Stacking: Unlocking Business Financing

Navigating the world of business financing can be daunting, especially for small business owners. One emerging strategy that’s gaining attention is the Credit Line Hybrid. This method aims to help entrepreneurs access significant business credit quickly. But how does it work, and what are the potential risks? Let’s break it down.

What Is a Credit Line Hybrid?

A credit line hybrid program offers business owners the chance to secure a substantial amount of credit—often up to $150,000 or more—without the typical hurdles associated with traditional loans. Here’s what makes this strategy appealing:

• High Credit Limits: Potential access to large amounts of credit.
• No Collateral Requirements: Unlike secured loans, you won’t need to put up assets.
• Low APRs: Many programs advertise promotional rates as low as 0%.
• Startup Eligibility: New businesses can also qualify.
• No-Doc Financing: Minimal documentation is often required.
• Zero Closing Costs: No hidden fees at the outset.

However, it’s important to note that securing a credit line hybrid doesn’t involve just one application. Instead, it often entails multiple applications, a process known as credit card stacking.

How Does Credit Line Hybrid Work?

The process typically involves several key steps:

Step 1: Broker Review

A third-party broker (often a credit card stacking company) begins by reviewing your personal credit report and score. If you have a business credit score, that may also be assessed to determine your eligibility for various accounts.

Step 2: Multiple Applications

The broker then submits multiple credit applications on your behalf. These could include personal credit cards, business credit cards, and sometimes business lines of credit. This approach aims to maximize the total credit available to you.

Step 3: Account Management

Once approved for several credit cards, the broker teaches you how to use these accounts as a cohesive business line of credit, effectively helping you manage multiple sources of funding.

Potential Benefits

Using the credit line hybrid strategy can have its perks:

• Access to Low-Cost Funding: If you secure cards with 0% promotional APRs, you can access inexpensive funding temporarily.
• Build Business Credit: If managed well, timely payments on these accounts can help improve your business credit profile.

The Pitfalls of Credit Card Stacking

While the credit line hybrid can be enticing, it’s crucial to be aware of the risks:

1. Potential Credit Damage

Every application can lead to hard inquiries on your credit report, potentially lowering your score. Additionally, if high balances accumulate on your accounts, it can impact your credit utilization ratio, further affecting your credit score.

2. Broker Fees

Credit card stacking companies often charge fees, which can be as high as 10% of the total credit you obtain. For example, if you secure $100,000 in credit, you could owe $10,000 in broker fees, significantly reducing the financial benefit of the strategy.

3. High Cash Advance Fees

Cash advances from credit cards typically come with high fees and higher APRs than standard purchases, making them an expensive option for accessing funds.

4. Personal Guarantee

Many business credit cards require a personal guarantee, meaning if your business can’t repay the debt, you may be personally liable. This risk can extend to your personal credit score if payments are missed.

5. Interest Charges

While promotional rates may be low, they can increase significantly after the introductory period. If you’re unable to pay off your balance in full, you may end up with high-interest debt that can strain your finances.

Is a Credit Line Hybrid Right for You?

The credit line hybrid can be a useful tool for business owners struggling to qualify for traditional financing. However, it comes with significant risks that must be weighed against potential benefits. If your primary goal is to build business credit without impacting your personal credit, you might want to explore traditional avenues for establishing business credit.

Establishing good business credit takes time, but the effort can lead to more favorable financing options down the road. Resources like CreditStrong can assist in this process, allowing you to build credit in a way that aligns with your business goals.

In conclusion, while the credit line hybrid offers unique opportunities, it’s essential to approach it with caution and awareness of the potential downsides. Understanding the full picture will empower you to make informed decisions for your business’s financial future.

What is a Credit Line Hybrid? 

This is a credit card stacking program. It’s basically revolving, unsecured financing. It’s similar to an unsecured business line of credit, but revolving, link a credit card. Our unique program allows you to fund your business without putting up collateral, and you only pay back what you use.  

Credit Line Hybrid: Qualifications? 

How hard is it to qualify?  Not as hard as you may think.  You do need good personal credit.  That is, your personal credit score should be at least 700.  In addition, you can’t have any liens, judgments, bankruptcies or late payments. 

Furthermore, in the past 6 months you should have less than 5 credit inquiries, and you should have less than a 45% balance on all business and personal credit cards.  It is also best that you have established business credit as well as personal credit. 

If you do not meet all of the requirements, it is okay. We can help you figure out how to get where you need to be, or you can take on a credit partner that meets each of these requirements.  Many business owners work with a friend or relative to fund their business.  If a relative or a friend meets all of these requirements, they can partner with you to allow you to tap into their credit to access funding. 

What are the Benefits of a Credit Line Hybrid? 

There are many benefits to using a credit line hybrid.  First, it is unsecured, meaning you do not have to have any collateral to put up.  Next, the funding is what is referred to as “no doc”.  This means you do not have to provide any bank statements or financials.  

Additionally, often you can get interest rates as low as 0% for the first few months, allowing you to put that savings back into your business. 

The process is pretty fast, especially with a qualified expert to walk you through it.  One other benefit is this.  With the approval for multiple credit cards, competition is created.  This makes it easier, and likely even if you handle the credit responsibly, that you can get interest rates lowered and limits raised every few months. 

In our tight nit community of wealth-minded driven individuals we talk about living by the numbers, recently I thought hey let’s apply that to everything our politicians say. For instance we hear President Joe Biden say that the cause for high gas prices in the US today is Russia Russia Russia, so that must mean there’s 3 actual causes for this increase in prices at the pump let’s see if Russia is even one of them. Take all personal feelings, preconceived notions, and rhetoric out of the equation and let’s just look at the numbers. Today as I write this July 7, 2022 the national average price for a gallon of gas is $4.77 per gallon. This is an increase of $1.64 per gallon from same time last year. So when did the prices actually began to take these drastic changes? 2021 we actually experienced record breaking gas prices.

To start off the 2021 year America was at a national average gas price of $2.25 per gallon, does anyone remember those days? And by Christmas that same year we had record setting gas prices

Prices began their historic rise in March of 2021 as the first catalyst was reported to be the demand as Covid-19 restrictions began to ease, and more Americans began traveling again.

Then again in May we saw the national average price for gas rise over $3 per gallon, note that this was the first time since 2014 this had happened. Specifically May 7th 2021 we saw another major gas price increase, the reported catalyst this time was the Colonial Pipeline Cyber Attack.  The Colonial pipeline originates in Houston Texas and carries gasoline supply to much of the Southeastern United States. With the pipeline offline, many retailers faced gas shortages, which incidentally cause a price hike.

As August rolled around gas prices seemed as if they were tapering off then came October, San Francisco set a new all time record for the highest gas price in the United States, at $4,75 per gallon. (Mind you the previous record was set 3,300 days prior nearly 10 years in California at $4.73 a gallon. These price rolled over into November and December as the year began to come to a close and most Americans were celebrating their Christmas holiday, the Oil Cartel was busy setting more records, as Christmas day 2021gas prices across the nation were $3.26 per gallon highest ever recorded on a Christmas day.

On October 28, 2021 Congress attempted nothing short of political theatre while going toe to toe with the Oil Company Magnets, many democrats argued that oil prices were increasing due to Corporate greed at this time, mind you no mention of Russia, as the month of October open with a national average gas price of $3.19 per gallon, literally upon close of the month or shall we say a couple days after the hearing, gas price averages across the nation were $3.39 per gallon. This was a whole $.20 per gallon in one months time a nearly 10% increase in prices. Coupled this with the Current Administrations hindrance on American oil production, the rising inflation which has plagued the nation since March of 2021, as the Feds have continually postured a position of Hawkishness, the perfect storm brewed, but in none of this was there a mention of Russia.

-Russia officially invaded Ukraine February of 2022.

-Oil Magnets had their congressional hearing on or Oversight Hearing on October 28, 2021, after which time

Compare oil prices at times of spike to Oil cost per barrel

Key findings

• Brent crude oil daily average prices were 60% higher in 1Q22 than in 1Q21 and averaged $98 per barrel.
• In this study of 90 companies, the combined petroleum liquids production level increased less than 1% in 1Q22 from 1Q21, and natural gas production increased 3% during the same period.
• Distributions to shareholders via dividends and share repurchases reached $32 billion on a four-quarter average basis ending in 1Q22, the highest in the 2017–22 period.
• Net losses from hedging derivatives were $25 billion in 1Q22, the largest loss for any quarter in the 2017–22 period.

https://www.eia.gov