Transformational Healthcare: Reversing the Effects of a Broken System and Ill Health

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Healthcare used to be a rather simple transaction between a physician and his patient. However, with knowledge and technological advancements and the commoditization of healthcare, third parties soon realized the extraordinary amount of profit that could be made by interrupting this relationship, and shoe-horned between physicians and their patients to develop a better business model. 

These same technological advancements rapidly improved medical care and helped extend the lives of many while somewhat necessitating 3rd party intervention as no individual physician could afford these devices such as CT and MRI scanners to care for their patients though larger medical groups could. This quickly morphed into increasing governmental regulations in most every aspect that protected third party interests but limited physicians’ and patients’ abilities to autonomously interact, opprobrious insurance and Medicare contracts, hospital ownership of physicians and their practices, the expansion of non-physician providers who extended care for much less expense though at a lower quality metric, a primary focus on pharmaceutical interventions with eventual direct-to-consumer advertising, and on and on. Of course, there were benefits to each of these, but in the long run, except for direct stakeholders those benefits were significantly impacted by the negative effects caused by their implementation. That impact took the form of decreasing access to healthcare for many, decreased quality in certain areas of healthcare delivery, and significantly increased costs to the consumer to the point of being prohibitive to a large percentage.

With the above in mind, the United States still had worse outcomes and spent more on health care compared to other high-income countries (i.e., Australia, Canada, France, Germany, the Netherlands, New Zealand, Norway, Sweden, Switzerland, and the United Kingdom.).

Though tens of trillions of dollars have been spent on healthcare over the past few decades, and despite incredible scientific discovery and innovation, access to physicians has decreased, costs of delivery have exponentially increased (due primarily to an explosion of administrators and related costs), and quality has continued to decline in some areas while it has improved in others. Though healthcare expenditures eat up close to 20% of our annual GDP, and though healthcare is always a forefront issue in political campaigns and Congressional activities, we continue to falter in each of these three core areas – Access, Cost, and Quality, as we continue to fall further and further behind the OECD countries we refer to as comparators.

What has happened is that the message of Medicine – the message of hope and healing, has been replaced by the business of healthcare except for a cursory hat-tip to quality and patient satisfaction primarily meant to increase reimbursements. With the promulgation of chronic disease management brought on by an upside-down USDA food pyramid, we’ve also seen the advancement of forced governmental mandates, increasingly complex reimbursements, expansion of non-physician providers delivering autonomous and unsupervised care, we’ve also noted an explosion of distrust, complexity, inefficiency, and hostility resulting in a nearing implosion of US healthcare. This is being quickened by fed-up consumers, low morale among providers, unsustainable costs, and an ever increasingly overbearing regulatory environment. Despite this, healthcare stocks continue to climb and pay huge dividends.

Of course, as broken as it is, there is yet great hope and opportunity for those who understand the business side while also pivoting in their perspective of what healthcare should be. In fact, even now, our healthcare system does work and despite the obstacles above, we are still able to receive some of the best medical care in the world in the management of disease.

Though most every OECD country has lower costs and better outcomes with healthcare that is almost entirely governmentally subsidized for all citizens, access is still an issue with many long delays at the point of care. As we consider healthcare delivery in these other nations, we see variations on pretty much free and subsidized healthcare for all for even noncitizens. The United States made a move towards this model in 2010 with the Affordable Care Act (ACA) by essentially laying the burden of subsidizing payment for the less fortunate on those who better off through up to tripling monthly premiums while doubling annual deductibles and heavily subsidizing hospitals to incentivize engagement. Though improving access for some, the ACA decreased it for others. 

There is a new movement that is rapidly expanding as many break free of the current sluggish and overwhelmed system and re-establish the long lost direct physician-patient relationship unencumbered by third parties. However, this necessitates 3 things.

First, the approach to healthcare delivery must change. We must shift to a model that incorporates a physician-led, patient-driven collaborative relationship that utilizes truly exciting innovations proven to significantly alter the health of all who engage. With the proactive use of rapidly expanding artificial intelligence and machine learning, nanobots, biosensors, 3D printing, stem cells and exosomes, biomes, peptides, proteomics, and unique methods of early diagnosis and therapeutics, this genetically driven precision and personalized medical approach that addresses every aspect of a person’s health will radically transform individual and national healthcare for the foreseeable future. We are shifting away from a model of chronic disease management to one that encourages prevention and disease reversal through education, behavioral change, personal responsibility, and revolutionary scientific advancements.

Second, patients must take personal responsibility and must realize that the majority of their healthcare lies in their own hand. In fact, over 70% of one’s health is determined by the personal every day decisions we make in terms of what we eat, how we sleep, and what activities we take part in. So much so that our daily habits can significantly alter genetic expression and cellular function. Patients must also break free of the mentality that their health is the responsibility of the government and realize that they will necessarily incur some personal expense for improving and maintaining their health if they want the best cutting-edged care available that enables them to increase the time they live disease-free. However, we understand that this may not be for everyone as many are either unable or are truly satisfied with what amounts to an inefficient and relatively ineffective multi-layered highly matrixed governmentally run system focused on the long-term management of chronic disease.

Third, physicians must innovate and shift their thinking from a pharmaceutically based chronic disease management style to a truly innovative scientifically-backed method focused on health. We must improve access, shift costs, and improve quality of care as we see an increase in longevity through reversing chronic disease and ageing with an improvement in health span as well as an optimization of human performance in every area from brain function to cardiorespiratory endurance to musculoskeletal strength and flexibility.

The leading causes of death in America as we age are cancer, heart disease, stroke, and dementia. Not only are these all preventable, but they are also reversible. What’s coming is incredibly exciting, but it’s not just coming, it’s already here and widely available for those willing and motivated to engage.

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Compliance – Not Technology – Crowns FinTech Champions

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Technology advances have simplified the process to offer digital services through embedded finance. Any company can choose to pivot or complement its core business to become a FinTech, but succeeding takes more than technology alone, writes Vlad Lounegov, CEO of Banking-as-a-Service (BaaS) provider, Mbanq.

The Rise of FinTech

The march of human progress is visible through its technology, and I am privileged to have a close-up view of an industry that is pushing the boundaries of what is possible in business. FinTech is an industry moving at lightning speed, which disrupts traditional financial services through technology to improve the use and delivery of finance to consumers.

Progress and innovation in FinTech is in step with internet infrastructure and increases in computer power. Consumers have benefited from advances – from secure internet shopping and stock investing, to easy and cheap international payments and remittances, as well as blockchain-based smart contracts and cryptocurrencies.

Every aspect of peoples financial lives is in their pockets, on the go, secure, accessible and instant. All because technology has made it so.

It is also much easier and far less capital intensive to set up and operate a digital bank than before. Technology and operational costs have plummeted, and new markets have opened up across the USA and the rest of the peaceful world. Whether it is an unbanked, low-income segment of a nation, or a niche, highly-competitive industry sector, such as transport, music or crypto, a digital bank or Credit Union can step in to provide highly-targeted financial services.

Non-Finance is Waking Up to FinTech

The ease of implementing financial services, especially digitally, is not lost on established non-financial companies and organizations. Today, companies such as airlines, healthcare providers, supermarkets, clothing retailers, fast-food franchises, sports teams and educational establishments are waking up to the possibility of creating new revenue streams through a newly emerging FinTech trend – embedding financial services into existing product offerings.

Finance is a lucrative industry and the advantages of success are a clear temptation. Corporations already have relationships with an existing customer base and plenty of market data and industry knowledge. They can effectively predict what financial services their customers are interested in, and they already have the marketing processes to target consumers effectively.

Types of services they can offer include a mix of traditional and innovative – Buy Now Pay Later, checking accounts and debit cards, payments processing and foreign exchange, crypto investments, various loans such as consumer, automobile or mortgage lending, and bundled products such as insurance, to name a few. All of these are profit powerhouses if implemented successfully.

Technology stacks to offer such services are already mature and accessible, in some cases off the shelf, from FinTechs, so there is no need for a development team or for huge operating budgets. Embedded finance requires relatively straightforward technology to implement and provides a big win if successful.

Regulators Are the Reality Check

However, despite the euphoria, embedded finance is actually far from being the new wild west of business for one simple reason – finance is a highly regulated industry.

All financial services in the USA, including banking and FinTech, are directly or indirectly regulated both at state and at federal level. For a company new to financial services, just making a list of financial regulators and understanding what they require is, quite frankly, a daunting endeavor.

For example, the organizations they need on-side include the Federal Reserve Board (FRB), the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), the Federal Financial Institutions Examination Council (FFIEC), as well as various State Bank Regulators, depending on where they are operating.

Additionally, applying for and being approved for a banking license or Credit Union charter is only the beginning of the journey because compliance is an ongoing process.

Reducing Regulatory Pain

Applying for a bank license or Credit Union charter, complying with laws to prevent money laundering, managing risk of fraud and monitoring lists of entities and individuals who are banned from engaging in financial activities in the USA are all highly specialized processes.

Luckily, just as the technology to create financial services now has a much lighter footprint and can be outsourced, so too can regulator relations and the compliance process as a whole. In some cases licensing itself can be simplified greatly by working with an established bank to provide a licensing shelter. Additionally, external teams of compliance experts can manage the entire day-to-day regulatory and compliance process.

In conclusion, I have observed that being mindful of the compliance process is just as important as choosing the right technology for operational success as a FinTech.

Just as technology has changed society, FinTech has changed the financial world and the businesses and consumers it serves. Businesses themselves are adapting to integrate FinTech into their product offerings as embedded finance. They have a choice of great technology options to integrate into their core offerings. But the real differentiator is the regulatory and compliance aspect. 

Those companies that seek to provide financial services need to be aware they are entering a highly regulated environment which serves as a great filter. Any mistakes are punished harshly – from fines to business closures and even to jail time. But don’t let that scare you, because regulators are a vital part of the financial safety mechanism.

In the spirit of the Financial Policy Council (FPC) insight and outlook – those that get it right will reap the rewards.

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Inflation and Government Financial Threats Will Fuel the Rise of Bitcoin

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While most articles predict mass adoption of cryptocurrencies by focusing solely on the merits of blockchain technology (which certainly looks promising), this article focuses on the two most immediate real-life events that will push the majority of the world toward lightning-fast adoption of cryptocurrencies, with Bitcoin predicted to be the biggest winner.

Reason #1: Inflation as a result of flawed government response to COVID-19 pandemic

Reason #2: Geopolitics, rise of government tyranny and debanking of dissenters, both domestic and international.

Let’s start with the reason #1. While the current Administration blames inflation on Russia, the truth is inflation in the United States started well before Russia became the 24/7 topic on the news. While the economics of inflation are rather complex, the three main causes of inflation are:

Demand-pull inflation: occurs when there is an increase in the supply of money and credit available for people. This drives the aggregate demand for goods and services in an economy a lot more rapidly than the economy’s capacity to produce. The government’s response to the pandemic caused both the increase of money supply (the government printed 40% of ALL US dollar supply in 2021), and the economy’s reduced capacity to produce (the extended business lockdowns and vaccine mandates decimated the US economy). All of a sudden, the US economy (people) had 40% more cash, to spend on a vastly reduced amount of goods produced. The 7% inflation we are experiencing right now is only the beginning. 

Cost-push inflation: as the demand-pull effect takes place, with more money spent on less goods, the cost of production for most commodities invariably goes up. 

Built-in inflation: describes what happens when people expect inflation rates to continue going up for the foreseeable future. For example, workers demand higher wages to be able to afford those higher prices (this has been happening ubiquitously during the past two years, with multiple states passing high minimum wage laws). This makes inflation a self-fulfilling prophecy. If workers demand higher wages, the cost of production goes up, which means that operators will raise prices for the consumers, in order to maintain their profitability. 

As such, the past two years have created the perfect storm for record-level inflation in the present and the near future. The annual inflation rate in the US accelerated to 7.9% in February of 2022, the highest since January of 1982. 

As consumer inflation and asset inflation is rising to at historic levels, smart money is looking to hedge against this inflation with a liquid asset that has a hard cap on supply, and an independent monetary policy: Bitcoin and possibly other cryptocurrencies.

The other reason why Bitcoin is a very attractive option in 2022, is because Bitcoin is apolitical, and no government, foreign or domestic can confiscate your Bitcoin or shut down your Bitcoin wallet. 

The biggest unreported story of 2022 is the impact Western governments’ actions will have on the US Dollar and the Western banking system in general.

Two events stand out: 

  • Canadian Prime Minister’s Justin Trudeau’s decision to invoke the never-before-used Emergency Act to outright confiscate citizens’ cash and freeze their bank accounts for protesting against his COVID-19 policies. This short-sighted action sent the message to Canadians as well as Americans and others around the world, that the government has the power, authority, and most important, the will to shut down your account and take your money, for simply protesting. This is outright tyranny.
  • The US and Europe-led sanctions against Russia. In another shortsighted move that will have long-lasting effects, the US and EU confiscated Russia’s FX reserves, confiscated Russian citizens’ moneys and assets in the Western hemisphere, and kicked Russia out of the SWIFT banking system. These actions have effectively sent a unified message to the world: The US Dollar is no longer an asset; it is now a liability. It can get confiscated and taken away at will, for going against the will of the US government. 

The largest impact of these sanctions (which still have not stopped Russia’s invasion of Ukraine), is that they undermine the credibility of dollar debt as an international savings device. For decades, the dollar has been considered the safest form of collateral in the world for two reasons. First, because most of countries of the world have to buy US dollars, in order to purchase energy (Petrodollar). Second, because the US dollar has never been used as a weapon.

It might have looked like a smart move to weaponize the US Dollar and the Western banking system against Russia, but with its actions, the Biden administration has officially forced the de-dollarization of the world.

At the international level, other countries are watching with increasing concern how the US, or Europe will confiscate their reserves, default on their debt, and punish their citizens by stealing their monies and assets, if these other countries dare disagree with US or Europe’s foreign policies.

The message was heard around the world: if you ever want to have a dissenting opinion internationally, your country will get punished, and potentially canceled out of the monetary system.

Their solution is understandable: they will de-dollarize their assets and wealth. They will sell their dollar reserves, divest their investments and holdings away from America, from Canada, from Europe. 

In divesting away from the US dollar, other countries and governments have two options: align with a different dominating currency (i.e. China’s Yuan), or decide on an apolitical asset that is out of reach and cannot be controlled by other countries and politicians; something that cannot be taken away by anyone else: Bitcoin.

Efforts of moving away from the US Dollar system and breaking the US Dollar’s dominance in the world are already underway. In a devastating blow, Saudi Arabia indicated they are now considering pricing oil in Chinese Yuan as opposed to US Dollars. This might have barely made the news, but it could be the final deathblow to the Petro Dollar system – the very system that had backed the US Dollar ever since President Nixon took the Dollar off the Gold Standard. This action alone will severely reduce US influence in the world in an unprecedented way, if acted upon, as it is estimated that almost 80% of all global oil sales are priced in dollars.

While choosing a different currency as the dominating trading tool of the world could happen in the short term, the reality is most countries are exploring ways of introducing their own national cryptocurrency (i.e. digital dollar, digital yuan). However, all those national cryptocurrencies are expected to be issued by each country’s central bank, giving their respective governments an even tighter control over their currencies.

While I do not believe Bitcoin will become the world currency anytime soon (if USD falls, it looks like the Yuan will take over), I do believe Bitcoin will become an asset used by most countries and individuals to store their wealth, as opposed to FX accounts, Swiss Bank accounts, and other financial instruments. This makes sense for all the reasons listed above: Bitcoin is apolitical, no one country can control its price, no governments control access to Bitcoin in order to kick others out, and equally as important, it is liquid and has a hard cap on its supply – no one can dilute it.

With individual citizens as well as governments all over the world looking for alternative ways to store their savings and assets, in this new world of financial threats and monetary cancellations, Bitcoin could be the biggest winner, with a large portion of citizens’ and countries financial reserves looking for a safe home.  

However, before the adoption of a cryptocurrency as a potential world reserve currency there are formidable problems that must be overcome and the required change in infrastructure are intimidating. All foreign-exchange marketplaces where the dollar is the world reserve currency would have to be necessarily modernized and supporting a new reserve currency can’t be achieved overnight.

There are also numerous problems and obstacles associated with any cryptocurrency serving as the world reserve currency that would preclude them from being a sovereign, effectual, and universally acknowledged as the unit of exchange. A cryptocurrency system based on blockchain is fundamentally burdened with high-tech problems (i.e.: Ledger size, power consumption, limited supply, computing power, etc.), price volatility and anonymity relating to regulatory issues (banking insurance, taxation, and illegal usage) that must be overcome.

In short despite its advantages, cryptocurrency as the unit of value replacing the U.S. dollar has a hard and long road to travel before its universal acceptance as the worlds reserve currency.

RESOURCES:

Trading Economics – United States Inflation

CoinDesk – Inflation Worries Top Concerns before Fed Meeting

Policy – Saudia Arabia Considers Using the Yuan instead of Dollar for Oil

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Our Chaotic, Biased, Dishonest News Media — Threats, Mistakes and What to Do About It

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When Walter Cronkite read the news in the 1960s and ‘70s he was “the most trusted man in America.” There were not very many choices in those days, the three networks, a few major newspapers, and then some local newspapers who depended on the AP and UPI for their national news. We believed them because they largely agreed and there was nothing else to believe.

In today’s age of the internet and social media, we have tens of thousands of news outlets. Trust of the media is down to 36%, everyone is accusing everyone else of fake news.

The cacophony of voices should create a massively robust news system with an ever-converging relationship between reported news and the truth.  Instead, we have a media bifurcated between political parties, motivated by marketers who are interested in the eyeballs of like-minded, narrowly focused individuals.  Giant pools of political bias have formed and feeding them what they want to hear is profitable. Unfortunately, integrity, objectivity, and honesty are not part of the profit equation.  Facts and commentary become indistinguishable, and fiction is easily interweaved.

Today’s media has vast currents of fake news. Deciding which storylines are real and which are fake can often depend on your point of view.  This applies top to bottom, the large media outlets, CNN, MSNBC, Fox News, New York Times, etc. are not immune.  Any given topic is victim to the spin from a myriad of news outlets customizing the news to a splintered audience. One can imagine these as influence vectors adding up to a public opinion that is informed, not by the resolution of chaos into truth, but in many cases by the highest bidder who can afford the most eyeballs.

This leaves us vulnerable, so readily manipulated that our enemies, from without and within, constantly do so with ease.  We have seen where the Russians have experimented successfully with interfering in our elections.  My own research tells me that China has done substantially more, but with subtlety such that it is not part of the public perception (yet).

But it is the internal threats that are the most influential. They include the acolytes of George Soros, the Koch brothers, well-funded political action committees (PACs) and so many more on both sides of the political fence.  Our current crop of fact-checkers are incompetent and hold biases worse than the biases of those they check. And they have no lasting clout.

And worst of all are those who call for censorship. They are not concerned with facts, integrity, honesty, or objectivity.  In almost 100% of the cases, they are calling for the censorship of the opposing political view, whether or not the news is fake is not even relevant.  Winning public opinion at the cheapest cost is the goal.

And these calls for censorship are not just threats. They have been implemented by the likes of Google and Facebook, whose experience in deploying their software in totalitarian countries like Russia and China has been brought home to censor Americans.  Add to that Twitter, Spotify, and so many more, silencing important voices because they happen to hold views that are not of the proper bias.

So you see, very few unelected men have the ability to control or massively influence public opinion.  And with it, they control votes, resources, world events and lives.

What is the solution? How do we change the weakness to strength? How do we harness the power of tens of thousands of media sources with their points of view, their investigative abilities, their bulls&^%t detectors into a powerful media that defends America by arriving at truth?

I can tell you what is NOT the solution.

On February 7th, 2022 the FBI issued a “Summary of Terrorism Threat,”  that said in part, the following:

“…heightened threat environment fueled by several factors, including an online environment filled with false or misleading narratives and conspiracy theories, and other forms of mis- dis- and mal-information (MDM) introduced and/or amplified by foreign and domestic threat actors”

If you understand the implication of this, then these words are chilling.

It means now that the FBI will be the arbiter of what is real and what is fake news with the ability to investigate it as a form of terrorism.  Remember that we already have such big guns as Facebook and Google censoring “fake news” that has often turned out to be not fake.  Now the FBI will judge the news and if you do not have the proper biases (i.e. those of the current administration) you are a TERRORIST!

Another statement from this advisory should make you angry at the ignorance:

“…the proliferation of false or misleading narratives, which sow discord or undermine public trust in U.S. government institutions”

Forget about the first few words. The government’s interpretation of “false or misleading” depends on which political party is in office at the moment.

Realize that the purpose of the “Fourth Estate,” (one with integrity, honesty, and objectivity) is to keep an eye on the government, to comment and criticize, and to inform the public of the performance of elected officials so that, if it is necessary, they are prepared to throw the bums out in the next election.

In short, the true purpose of the media is indeed to “sow discord and undermine public trust in U.S. government institutions.”  These are not acts of terrorism, they are part of the design of America, a self-correcting factor, a crucial feedback loop.

You already know this; you were taught this in your high school civics class.

But it only works if the job is done with honesty, integrity, and a certain measure of objectivity (biases are allowed, indeed they can’t be avoided – they will balance out). This is the weakness that must be overcome. It is the reason that the media is so easily bought and manipulated.

The problem is that the media is capitalist. Profits rule.

How about if we fix it with capitalism? Suppose we try this:

Journalists make money by writing for their fans. What if someone were keeping track of when they misrepresented commentary as fact, or when they manipulated data to express the opposite of what it was supposed to, or when they committed any of the hundreds of logical fallacies that mislead their audience.  And what if this track record followed them and was presented such that the reader could see a reputation score before an article was read? Perhaps your newsfeed could even filter out writers with reputations falling below a certain point, effectively decreasing their eyeballs. Would these writers be upset?

The psychology is simple. Organizations like CNN, Fox, NY Times, and others are criticized constantly – another organization criticizing them will be ignored like the rest. But an individual article is the product of an individual writer. Forcing that writer to bear the responsibility of false or misleading material under their byline could be devastating.  Perhaps CNN can stand the criticism, but can it stand calls to fire one of its writers who has a reputation for being consistently wrong?  The avoidance of pain is basic to human behavior. Writers will be more careful and diligent industry-wide.

We need a profitable company  (or several) that inserts itself into the media feedback loops and redirects profits away from bad writers and toward good ones.  Not based on biases, but based on writing integrity. This is not an easy solution, but it will work.  Capitalism usually does.

The FBI has neither the expertise, the objectivity nor the resources to do such a job.  In fact, since the FBI is a rightful target of the media, any action the FBI takes is a conflict of interest. Never mind that the natural course for FBI involvement in this way leads to some of those nightmare scenarios predicted by Orwell.

I’ve always said that business is smarter than government.  We can do this. Change my mind.

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2022: Why Capitalism is the Only answer to freedom, prosperity and well-being.

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Frankly, I don’t know what’s happening to America anymore. I am just afraid we have become a nation that has lost its common sense and collective mind.

  • We see other countries going Socialist and collapsing, but it seems like a great plan to us.
  • Somehow it’s un-American for the census to count how many Americans are in America.
  • Universities that advocate race equality, discriminate in favor of African-Americans.
  • Some people are held responsible for things that happened before they were born, and other people are not held responsible for what they are doing right now.
  • Criminals are caught-and-released to hurt more people, but stopping them is bad because it’s a violation of THEIR rights.
  • People who have never owned slaves should pay slavery reparations to people who have never been slaves.
  • People who have never been to college should pay the debts of college students who took out huge loans for their degrees.

We are clearly living in an upside-down world where right is wrong and wrong is right, where moral is immoral and immoral is moral, where good is evil and evil is good.

Welcome to SOCIALISM in America…. This is unsustainable.

We at the Financial Policy Council and within our ZSharks group of warriors want America to succeed. Every individual should succeed….not to take orders from a socialist government that never succeeded before in the history of humanity but keep spending trillions of dollars on projects going nowhere and on bailing out failed policies.

So how do you REDEFINE CAPITALISM to mount this growing threat out there?

Well… I am here to give you a little bit of what the world is holding back from you.

The god dam truth about Darwin, scarcity and the world you actually live in.

It is not the warm place your parents and teachers told you about.

It is populated by people who will tear you apart.

Nature did not select them. They selected themselves by harnessing their nature.
You wanna prosper and thrive; not just survive? Be bold, be hungry, be a shark, subjugate and conquer. Yes… this is who we are. That’s what we are. No one is here to help you but yourself

There is never been a better time in human history than today to make real money with all the technology and asset classes out there. Yet, so few have embraced capitalism. On the contrary, the whole world is headed today towards socialism and the radical left. People are smarter, more aware and better educated than ever …. yet have no clue how to monetize their assets and knowhow other than slaving for wages … if you call this “money”.

Instead of creating a whole new world where capitalism is embraced by all; it is today only embraced by the very few who call the shots ….while the gap between the rich and poor is only growing.

Governments worldwide are obsessed in creating jobs rather than creating an environment conducive to wealth creation.

So what do you do? Do you lift everyone up to become true capitalists or bring everyone down to embrace socialism and government dependence?

I made my choice…. You’d better make yours before it’s too late.

Capitalism… is better than any other economic model on earth. Everything we have is because of capitalism…. cause someone out there had an incentive to get up off his ass and outsmart others less capable, less intelligent, less ambitious and less lucky to make those capitalistic dreams come true.

The Financial Policy Council is just the beginning of a movement in the making. A place to answer the real tough questions, resolving issues and creating REAL WEALTH. Short on words and long on actions. All that matters.

The NYT recently wrote an op-ed advising us not to think. They say thinking requires using your unreliable brain and will lead you into conspiracy theories. What a load of crap.

Klaus Shwab; Chairman of the elitist World Economic Forum tells us you won’t own anything and you will be happy. Heard it directly from the horse’s mouth last time I was in Davos

Same broken record from the Council of Foreign Relations…. All plotted over a decade ago by global elitists such as Zbigniew Brzezinski and the likes. I witnessed it personally as a member of the Council … not anymore.

It is all about power, money and control. Either you have it and control your destiny or they have it and control yours.

All the rest is just noise, Propaganda and brainwashing. Nothing else

So how do you avoid all this crap and thrive when capitalism is under siege?

Well… it boils down to one thing no matter who is President and the status of the market; whether it is up or down.

Look for megatrends and how the dollar is moving and its correlation with other asset classes.

Technology is moving so fast that it’s really hard for the average person to keep up. By the time they hear about it from the mainstream media, it’s already too late. Plays already in place. And the big money has been made.

For that reason, a lot of people end up missing out on big investment deal making opportunities…. And that’s where we at the Council can help.

At the end of the day, make no mistake about it. Money is first and foremost about freedom and not about acquiring things nor flaunting them in front of family and friends. Money is about the freedom to do whatever one wants, whenever they want.
There is nothing fair in this world. So get used to it

FIVE THINGS I strongly recommend you to start practicing in your journey to Wealth Creation.

  1. Change Your Attitude – Stop apologizing you are privileged, a capitalist or a free spirited guy. Nothing to apologize for . PUSH BACK or you will get pushed
  2. Better Control your time – Stop wasting your valuable time on social media bullshit amplifying the propaganda of COVID 19 and vaccines. Change the narrative. Don’t play in their hands.
  3. Learn how to Manage your network/career smartly. Successful people build networks not slave at jobs
  4. Lose the emotion when managing your assets. You will never make REAL Money by being a wimp and crumbling every time you see volatility in the mark
  5. Never pitch an idea where you don’t have Skin in the game

THIS IS WAR…I hope you are ready for it.

Now if you are a dumb ass good for nothing and still cannot grasp any of the above, then do yourself a big favor and get married to a similar dumb ass billionaire’s girl and have your kids memorize the above …. You will thank me for it for the rest of your life.

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