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Financial Housekeeping for the Wealth Minded Individual!
Whether you are transitioning from job security to financial independence, or pursuing a new passion, the journey is about much more than the end goal.
As you strive towards your aspirations, you will encounter obstacles that test your resolve and push you to grow. Each step, no matter how small, contributes to your development. For some, the process may seem easy, while for others, it may feel impossible. The key is to embrace these changes and recognize that they are molding you into a stronger, wiser, and more resilient individual.
The Markets: Its the fourth quarter October to December, we are in the holiday months, A turbulent five days for markets, featuring rising tensions in the Middle East and a port strike that both started and stopped, was capped off by a better-than-expected September jobs report that helped stocks close marginally up on the week.
For the first week of October the S&P 500 rose 0.2%, while the Nasdaq Composite and Dow Jones Industrial Average rose about 0.1%.
An update on inflation and the start of third quarter earnings reports will grab investor attention in the week ahead.
The October Consumer Price Index (CPI) report will headline an economic calendar that will also feature updates on consumer sentiment and the release of the minutes from the Federal Reserve’s September meeting.
On the corporate side, some of America’s largest financial institutions, including JPMorgan, Wells Fargo, and BlackRock, will kick off third quarter earnings season on Friday. PepsiCo and Delta Air Lines are also scheduled to report earlier in the week.
Real Estate: The Chinese Communist Party and its globalist allies have already snatched up a staggering 43 MILLION acres of American farmland.
Even Bill Gates couldn’t resist jumping into this historic land grab…
And according to an NBC investigation, he’s bought up so much land…
He is now the largest private farmland owner, with enough land to build The Pentagon 8,000 times over. While also waging financial war on the petrodollar.
Because after all, it’s not like China has run out of land…
And it’s definitely not because Bill Gates wants to replace his tech billions with the back-breaking work of running a farm. “This is a two-pronged attack to starve America into submission and dethrone the US Dollar.”
- Mortgage rates are also declining 📉Housing prices are declining/sellers are lowering their prices 📉
Housing inventory is 20+% higher than it was this time last year 📈 What does this mean for you, the investor? It means the housing market is ripe and it’s time to start making deals.
- Mortgage rates are also declining 📉Housing prices are declining/sellers are lowering their prices 📉
Articles, Blogs, Posts to write
-The Fundamental Steps of Entrepreneurship (For Podcast)
-Business Basics I
-Business Basics II
-Business Basics III
Becoming Financially Savvy – Financial Skills and Financial Behavior
Money Motivation Mondays
What is credit and how should it be applied to day to day life
Understanding the Micro and Macro Economics of Credit in the Real World
Financial Literacy for Teens 101
x5 Things You Need to Know about Finances
The Importance of Financial Literacy
Saving Options
Articles, Blogs, Posts to write-The Fundamental Steps of Entrepreneurship (For Podcast) -Business Basics I-Business Basics II-Business Basics IIIBecoming Financially Savvy – Financial Skills and Financial Behavior Money Motivation MondaysWhat is credit and how should it be applied to day to day lifeUnderstanding the Micro and Macro Economics of Credit in the Real WorldFinancial Literacy for Teens 101×5 Things You Need to Know about FinancesThe Importance of Financial LiteracySaving Options
SBAC had a massive glitch and showed all customers as having a $0 balance. The banks in the UK have also glitched. NatWest, RBS, and Ulster Bank all down as Brits unable to access their money with mobile banking.
The Bank of England, the equivellant to the U.S.’s Federal Reserve, injected $39.47Billion of liquidity in the market this past week.
Financials; European banks experiencing web outages, denying customers access to their money via mobile or online.
Labor; The Longshoremans Union slated to strike over pay.
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!”.
AWESOME COURSES
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!
Our heavy focus on wealth building and financial freedom through financial independence is at the heart of our courses.
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..
Building your wealth starts and ends with you, it’s a complete commitment to a lifestyle which you have total control over. Through paying yourself first, putting your earnings to work, and following other sound principals lady fortune has no choice but to ceed to your whim.
OUR COURSES
Wealth Building Through Financial Literacy. Teaches the principals and universal laws which encompass the blue print which just about anyone can use to accomplish true Financial Freedom. It is the most comprehensive course on Financial Literacy ever assembled, you will get a full 4 year elite business school worth of material which you will be able to cover in half the time.
The 800 Club, credit is all the rave in many developed world financial systems and one of the greatest achievements one can obtain in these systems is to be apart of the legendary 800 Fico score club. Our course provides a step by step guide to follow which will lead to an ultimate path of becoming one of the elite 800 Fico score club members.
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.
The Serial Entrepreneur coming soon, promises to be a winners guide to navigating earning in the 21st century, by taking advantage of the convince and ease which technology had allowed.
Contact Us Today About our educational Courses and Credit Services.
Join our community of Financially Wealth Minded Individuals striving for true financial independence today by Subscribing to our financial weekly newsletter, and joining our community.
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.
20 Money Rules
- Money is a Game = The more you play the better you will get
- Don’t Be A Hater of Money = If you hate money money will evade you
- 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 - Seduction = Money doesn’t like desperate people, Money likes to be seduced. Don’t let money seduce you you seduce money
- Timing = Using information to determine your timing, of when you act
- Boredom = Money needs to be moved, money doesn’t like to be bored
- Secret Account = An account no ones knows about, a crisis account needs to be liquid
- First Class = Don’t fly first class till you have $10mill in the bank
- Compensation Plan = Study how you are taxed, understand it and utilize it to your advantage to grow your wealth
- See an End, Have an Exit Strategy, Chicken little Mentality = Learn to take advantage of Fear, and be liquid when the end comes
- POTUS/Politicians = Know who they are and study them their philosophies, etc If their philosophy is to tax you heavily you need to adjust
- Study smart investors = Don’t be too religious about them, learn their way of thinking, their mind set
- 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
- Index = Achieve your goals, don’t worry about the index
- Befriend Money makers that you trust = If you around people who know how to make money you will make money
- Diversification is for Sissies = If you just rely on diversification the time may take extremely longer
- Leverage = How can you leverage to have more
- Positioning = Put your self in a position to be at an advantage, not a disadvantage
- Strategic Partnerships = Increases the value of making money, because more people are making money with you
- 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.
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