Quick Update - What's up with the IQ Money Team

Hello!

(this is a quick post/draft - please excuse the many errors - please read for content. I don't have an editing staff (yet) - laugh - I was inspired to get this out tonight before going to bed and it's been a long last 72 hours) - David

OK, first of all, I wanted to drop a note of thank you to a few people who have let me know they are keeping an eye on what we are doing. I have so much to share and not much time to share so I'm going to try to keep this brief.

Wow - OK, Peter and I took a trip to a special syndication seminar. (Very Expensive) there were a total of about 20 people there; half were there as advisers, the other half were there to pitch commercial real estate projects and learn about syndication.

I was there as guest of Peter's. (We sort of turned it into a two for one kind opportunity.) I felt I made significant contributions while I was there. I think some people confuse my confidence with arrogance. I have a bit of both in a "positive" and productive way. I actually did not want to go to this event because I already knew what we were doing was superior, but - it presented and my spiritual perspectives require me to explore what presents. Certain things came together that made it clear to me that I was suppose to go.

Bottom line for me - I met some nice people; and I got to meet and get to know Cherif Medawar on a first name basis. (A side note: Peter, Lawrence and I attended a Commercial Real Estate training last year through Cherif's organization and that is how I reconnected with Lawrence - it was one of those "destiny" moments.

There is a lot of varied information on the web about Cherif and his training organization - and I get where some folks are coming from that have negative remarks. All "seminar" business people follow a similar model. I have a few complaints/comments myself, but no with Cherif, but that industry in general. I shared some ideas with Cherif on how he could be the first to revolutionize that model.

We'll see if he honors the source of those insights (laugh). If not, that is ok. I didn't share everything I know about team building because there simply was not enough time. I'm open to working on adapting my model to his training which would transform the end results of his students.

Cherif is a brilliant, interesting and successful man and I enjoyed my time getting to know him. I enjoyed looking into his eyes, listening to his words and getting a sense of who he really is. You can do that when you stay up to 1 am after a long day with someone solving weird yet fun "math puzzles" and discussing strategies.

I shared some of our IQ concepts with Cherif and he was inspired enough to change some of the training on the last day as a result.

One of the first things I got out of the event was a knowing that the IQ Money Team concepts which are rooted in a lot of principles I have been exploring over the last 9 years is better than anything I observed presented in regards to syndication. Cherif shared a Syndication he's currently involved with.

When I reviewed what he was doing compared to what we are doing - I had to disipline myself to not be too enthusiastic, as it was I sense my confidence may have come across as arrogance to some that were there, though during some of the presentations some modified their contexts and adopted some of what I shared the evening before. That felt good because #1 - they honored and cited the source of some of their inspiration, #2 - they already had good ideas/plans, the IQ concepts applied simply took things to another level.

What I noticed is how limited or "small" all the projects where, including Cherif's. I notice a lot of limitation, and even the affluent participants present (all very nice people), had some in congruency between intentions and application of their own business processes and perspectives. There is a level of "being" that all present struggle with.

Cherif impressed me because as a business man and investor - how he has approached business and life - reflects some core principles that I have rarely seen in anyone at any financial level, stuff most people I think would not pick up on or understand.

Frankly, I'd love to have Cherif on our team at some level. He' the kind of person even if I did not know about his success that I would want in my life. That really is what any team I form is about. Who do I want to explore and experience life and have fun with?

Something I have noticed among the affluent is "isolation", and what good/fun is that. There are good and logical reasons for that and I think I have a lot to offer in the whole "life" side of what we are doing that has little to do with "money", but a lot to do with prosperity and enjoying life. I felt that I had a lot in common with Cherif and enjoyed our time together. We've exchanged some e-mails and even a few text messages (laugh). I have a new "billionaire" friend. He even owes me a favor. (laugh)

What is funny is one of the last things we talked briefly about was that. I let him know I didn't feel like he owed me anything, but I'm not going to turn down such a favor, but I didn't want any favors from him unless he truely felt inspired and at peace about it. I really like the man and want to get to know him as a friend outside of business stuff. It is hard to convey that unless and until you are at a similar financial status.

Anyway, his training, concepts and organization is sound backed by honorable intentions. Some of his trainers may be a bit self serving an his organization uses some of the usual and customary approaches to marketing that are common in the training industry/business - which in my opinion opens the door to misunderstandings.

We'll see, I shared some good stuff with Cherif, we'll see how those seeds take root and grow. Regardless I got more out of the event than I expected and I was impressed with the quality of the people present. I was disappointed by a few things and I shared that with my typical sense of authenticity. It may not of been appreciated by one of Cherif's staff members, which is OK. As Cherif commented to me he appreciated my candor on a few things.

I am almost always very polite about stuff, but I will ask the unasked questions that needs to be asked, but most are afraid to say. I've learned the hard way - that those are the very things that really should be looked at. Authenticity is important. So much of our legal and business paperwork does not address the "unsaid" it is stunning. It is like we want everything to be impersonal and sterile - yet dealing with money, especially other people's money is deeply personal.

I want my team members, friends, partners to spend more time looking into my eyes and heart than just legal agreements (the IQ agreements were written by me, and edited by Lawrence and I, lawyers we let look at these things last - because we want this to be personal!) I for one do not want to hide behind an Reg-D or Public Offering Disclosure - yes, I'll follow the rules, but you'll find much more than legal jargon in anything I put together.

It is stunning to me how "fear" and "greed" and "avoidance" comes into play with these things. Anyway, It is after midnight and I'm editing this post and running out of steam (laugh).

Years ago I helped a client put together a Reg-D syndication that didn't come together because the "investor" ended up not having the funds - I'm familiar with the processes. It was good to get a refresher.

All a syndication is - is a shorter version of a public offering that I could sum up in a single paragraph or even sentence.

"Your money is at total risk. You have little or no recourse. If successful you'll be paid (insert the deal here), we are selling XX units at $$ a unit with a minimum of XX units".

I suspect few people ever really read or fully understand the details. A public offering is similar but more exhaustive in the details and disclaimer. As an attorney told me last year "This is the $150,000 document that nobody reads but everyone has to have to do it legally." - I'm sorry but that is sad testimony of what "Free Enterprise" has become.

What a waste of $$ (in my opinion) it is huge barrier to people transforming their ideas into a business that need funding. (I will not get on my financial discrimination soap box today.)

I realize I am over simplifying things but these documents are similar to software licensing agreements which can be summed up as "We the software company have all the rights and no liability, you the end user have no rights or recourse and all of the liability. If you do not agree then select "no" and our software will not run, if you agree, then select "yes" and you can use our software.

These processes don't protect anyone from anything and they inflate the cost of doing business, and they over complicate a lot of things.

I had to chuckle because our IQ Business processes are simpler, safer (in my opinion). That became clear at the Syndication event.

I'm pumped up about it and well...it showed and shows (laugh). I believe in America and the concept of "Free Enterprise". A point is reached in all of our lives where taxes and expenses are irrelevant (it is a matter of stewardship rather than need is what I am referring to.)

I am amused (many are not) by all the IRS seeking out "Tax Havens" going after the "Wealthy", yet I know for a fact - that is just the tip of the financial tax iceberg. They are ignoring a lot. Frankly, I don't care what someones tax bracket is - anyone or any business having to pay 40%+ in taxes - it just doesn't seem to be fair and we have a complicated tax system that just doesn't make any sense. To think that federal taxes use to be voluntary and a 1 page form!

If history teaches us anything - especially with currency - is that when the currency becomes weak and or may fail/financial collapse, the coffers of the wealth are pursued. I'll have to dig through some of my history books on the topic and cite some references. I am not saying that is "right" it is just historically what has happened, and the "little people" often go hunting down the wealthy in their communities. Some AIG executives got a non-violent taste of that when hurting folks started showing up at their expensive homes.

I'm not make any judgements here at all, I'm just stating the facts. Our system of wealth production and business - is rooted in some power and amazingly good contexts but our current "business as usual" application of those principles has been modified and adjusted rooted in predatory and greed based practices that in my view have always been unnecessary but you have to have a bigger vision and understanding of life beyond just "$$" to see and understand that.

At the end of the day - we all will survive no matter what happens. I have my own opinions as to how things could be simplified and solved simply and fairly. I've written the President and my representatives with my ideas. (Taxes, Health Care, Insurance, Crime/Prison Reform). Who knows, maybe someday I'll run for President as an independently wealthy man, backed by teams of teams of wealthy people who don't need any more money, have all the time in the world to take their knowledge, experience and resources to work to make a real and sustainable impact.

Oddly enough - its already happening.

Greed, fear, and what I call "command and control" is NOT what Free Enterprise was founded on. I'm even seeing books on "Greed is Good". We all deal with Greed - to me - greed is when you are willing to compromise your own personal principles in order to achieve "gain", we've had a lot of "greed" around, money and power in America.

Lawrence, Peter and I have struggled with it. We know what the "market" is out there, what bank CD's are paying, what syndication returns are doing and we wrestled with not putting in all the benefits and normalize our plan to the market. What helped us navigate that "greed" was re-asking "Ok, what is the world we want to live in, knowing what we know?" - ours is a prosperity model, not a fear or predatory model - i.e. everyone wins, we win, our financial partners win and we protect our financial team members principle - by design.

I think Henry Ford is my hero in this department. He paid "double" prevailing wages for his factory workers, he built schools, hospitals and housing developments. He was not a "socialist", he was capitalist, it was good business to take care of his workforce and creating opportunities for them to pursue their dreams vs. just milking them for profits and productivity. He revolutionized the world with insane things. I think he'd understand the IQ concepts and get excited about them.

I was very encouraged after listening to the presentations including Cherif's - knowing we had developed something better, more powerful and interesting. The syndication and opportunities that I observed paid out 6% (one of them tax free, which is like 10% in a 40% tax bracket), no equity benefits like our IQ program.

We did learn a thing or two about Tax & Insurance planning that was impressive. I'm in the middle of a major overhaul of our IQ Team Member agreement. Some of the things we learned I do not want everyone in the world to know about and I am working on non-compete, non-circumvent, non-disclosure agreement, the information is that good.

INSURANCE AND TAX HIGHLIGHTS
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Most businesses that have $500,000 or more taxable income liability can have that liability cut in half, legally without leaving the U.S.A. Not a scheme, it's in the current IRS code, and even has safe harbor laws around the approach. We learned something that to the best of my knowledge only the people in that room were privy to.

We also learned the importance of "Where" within the U.S.A. that has some very specific advantaged tax laws. I was stunned and I have pages and pages of notes and some of this will have direct impact on IQ Money Team Members, and I have some ideas I'm working through to modify and update our IQ Money Team plan.

Lawrence, Peter and I wanted to take our concept(s) to the general public and the bottom line is though we can do that without violating SEC regulations (in my opinion), we do not want to antagonize the SEC so we are currently restricting what we are doing to work with Qualified Investors Only. Non-qualified investors/citizens - if our concepts are inspiring - I want everyone interested to drop me a note anyway.

One of the biggest things that has been reinforced for me over the last 90 days is the importance of building a team - and that is more than just about money or raising money. It is about getting to know each person personally and caring about them personally.

We've all heard the saying "All for one, and One for All" - that is what the IQ Money Team is all about. Peter, Lawrence and I have created a business process, we are not pitching a "project" or "property", which is something that I found very interesting.

Syndication(s) are about a specific property and money is tied up and invested in the syndicate (i.e. NOT IN THE 1ST POSITION), which means principle is at its highest risk. It's nuts. (laugh), I keep looking for a catch in our program.

Name brand financial advisers are warning people about anyone advertising anything above 6% ROI/APR returns, globally calling them "high risk" or "out right scams". I shake my head in disbelief - these are the same licensed advisers that advised people into the "mess" we are all facing. The power they have when they make a statement is stunning.

Though I would love to put together a $100,000,000, I realized that to accomplish our $100,000,000 business plan, I just need 3, maybe 4 qualified investors with at least $5 million capacity each and we can work our plan simply and powerfully.

I still want to change the world (laugh) - and it will start with this initial team. I have some people I need to get back to and get to know (who are probably reading this - I know who you are and again I say thank you for your notes, and patience!)

I am validating a spreadsheet I am going to make available so that team members can model what their funds would do in our IQ plan. Our plan is dynamic rather than static so throwing out a % return doesn't work. The IQ Equity Effects is a totally separate business process from private money loans, which we normalize to 10% Annual ROI by contact - principle is protected by actual commercial property, interest is protected by the actual lease contracts of the property(s). I'm told I can't use the words "guaranteed" anymore.

So, if I did use such term, as I have shared many times - when you see the word "guarantee" - always ask/investigate what backs that word. So from this point forward, you'll see me talk about what is behind protecting principle, and what protects the Contract Interest Rate, and what any projections/PROFORMA is based on, along with any assumptions I make. Even my conservative assumptions seem like blue sky compared to what I see happening. My 5 year projects average/normalize ROI"s at 15+%, 10 years of the IQ process is 19+%. Seriously I am almost afraid of showing my spreadsheet because they are not aggressive #'s.

I was stunned my them myself, why? I didn't make my spreadsheet until after we hammered out our business plan and contexts. Once we created "Our World" the way we wanted it to be - then - I created the spreadsheets to validate the #'s to see if it was even viable. I was blown away by it.

There was one person at this syndication event that had a special line on some REO properties (it was a hot, once in a life time deal kind of thing.) I suggested he look at going after the entire regional REO portfolio (about 30 million $$ needed), it is/was pretty much a no-brainer 5 year plan. He original was looking for somewhere between 2 and 5 million dollars, by thinking small, he was missing literally 20+% of the deal. I think I even know of a funding source or two that would be interested. (I put the word out, and then he never got back to me after the event, just seems odd to me.) His opportunity is one of those rare "once in a lifetime" almost no-brainer things. But - BUT, there definatly is some risk there compared to the IQ approach.

That is what was so interesting. His plan was very agressive and unique - with powerful possiblity and yet, our IQ Approach had similiar annualized ROI returns to match his, without the risk and without requiring that "once in lifetime opportunity".

The IQ Approach isn't rooted in "once in a life time" anything. It is rooted in finding very specific types of properties in very specific physical geographies or in geographies with very specific population demographics, etc. I had a meeting last week with a friend of mine who is now in Commercial Banking (he was a residential Loan Guru), he's the guy I go to when I want the straight scoop on lending. Banks have created a list of "high risk" tenants by actual name, and by type/classification. We are adding that criteria to our acquisition analysis.

Once we have a solid team that trusts each other and has proven itself - this become about everyone working towards everyone winning - this goes way beyond ROI, APR. We can do things as team - but our core - is a process rooted in simple common sense that we can repeat in any economic market. When things are "booming" again - we can take advantage of those things too! There are "once in a life time" opportunities that show up, all the time, but what good is a business plan or process if that is what is needed in order for the plan to work?

Team work - here's an example. Lawrence who is a licensed health care provider and his wife decided to come out of retirement to open a new clinic - because he misses being involved with healing people and has become (with his wife Jeanne) Certified Life and Wellness Coaches.

What does that have to do with the IQ Money Team? Lawrence and his family is a resource to me, and every person on the team we are forming. I and my family are a resource to Lawrence, and every person on the team as is Peter and his family, as is every IQ Team member - it has really been hitting me that we are forming a "Life team". Commercial Real Estate (our approach) is the ultimate process for protecting money and putting money to work and it does not require being predatory, and there is no need for greed, or the risks most people take rooted in fear or greed.

Lawrence loves being a Healer. I love IT work and problem solving/strategy, Peter is one of the most gifted Architects (and Scout Masters) I have ever met.

A dear friend of mine (Brian) is probably the top Foster Care provider in our State, he specializes in working with young men/boys, the worst in the state. He's the only person who gets results. His track record is 2nd to none. I spent the weekend with him and his boys out in the wilderness volunteering to help inspire, lead and teach these young men important principles about being a man, integrity, etc.

Last week I took the IQ Contexts (which have roots in something I call Helping Wave), and I helped him create a virtual "team", rooted in these contexts. I realized that what I am doing here I can teach and bring to anyone with a vision and the process will work for them. As I write this - I know that those that are attracted to this - some just want solid - arm chair investment that works, others - like Lawrence - maybe they've retired (or semi-), but they want to be involved with something not just to put their $$ to work but they have talents and resources to bring to a team.

At the Syndication event - this was a random group of (I counted 18 families represented) which included 1 Camera man, and 1 Personal Assistant - I worked backwards on what would be needed for each family present to add an additional $30,000 a month to their cash flow.

Moving forward, besides financial capacity - I want to get to know all of our IQ Team members and perspective team members personally. I suspect that tax things and geography things I learned can/will have dramatically positive impact on their lives.

Its getting late and I need to catch some rest. Part of what I am doing is simplifying all the information I have to share. I'm a perfectionist at times and very detail focused. A carry over from living a life of doing mission critical IT work - is extreme attention to details - which is all well and good - but slows things down sometimes and I have to learn to accept some imperfection(s) - laugh.

I am so excited to be sharing this stuff, and simplifying. Peter found a 10 CAP property that profiles our acquisition model here in Oregon. It' s unheard of, we're getting and LOI out on it this week. There are so many good deals out there right now - its stunning. I love all the commercial real estate "fear" going on too. Our edge is the "process" that is dynamic while the rest of the world is totally immersed in "static" processes and/or rely on those "once in a lifetime" situations.

I promise - I will be re-opening up the special access area of our website. I will be updating documents and information over the next few weeks, but what is most important as that we all begin the process of getting to know each other. I want to know our members talents, dreams, goals and aspirations - this not just about $$ but about life and living.

Peter and I had a great time together on our trip. I sat there listening and learning - but I have to be honest - some of it just didn't seem relevant to me anymore with what I know. Not sure yet if Cherif is going to grab some of my ideas and run with them (laugh), without honoring the source, which I guess is fine because in order for a team as I envision it to work - it requires a baseline of core values and common interests that eliminate most predatory, or greed focused people.

Our team will do it right, and I am now totally convinced we can achieve similar if not better results that those taking normal and expected "high" risks, without the typical "low" risk approaches. My sense is that this team that is being formed - our principles and approaches are going to "rock" the financial world and our model will be adopted by many. We have so many barriers to business and there is so much fraud going on regardless of regulations, and SEC this and that - if we can show people that we can achieve outstanding results without the fear, without the greed, or all the negative baloney that goes on - why would anyone bother with "old ways" of doing things.

OK, so much for a short posting. I feel behind on my sharing and there is so much I want to share and there is so much that has to get done. I am so excited to share Peter and Lawrence with all of you. Peter did a presentation that blew me away (not so much his deal - though it was one of the better one's being presented) but his presentation skills I was completely impressed.

I'm just going to have to accept that not everything is going to be perfect as we bring financial partner team members on board. I am so committed to protecting principle as a core foundation I am boarder line arrogant when I see the plans of others who do not protect their financial partner's principle.

Namaste' and Bright Blessings to everyone, and thank you.

I really mean "Thank You" - we started this journey last year - literally creating "Our World" from scratch, listening to legal counsel that just didn't understand our concepts and then finding some who did. It has been an amazing amount of foundational work, followed by deep soul searching and brutal interrogation of our concepts and plans.

The feedback, notes and inquires we've received have validated that we are on the right track. I promised folks we wouldn't spam anyone (laugh), and I've been getting the sense that people want me to send out more e-mails and notices. My compromise is this Blog, but I got the hint, I will start sending out more status e-mails. I am going to drop in some audio clips as well. Lawrence tells me people need to hear my voice and enthusiasm. We are also going to do some video clips (out at Lawrence's home) - he has a beautiful home in Oregon.

We have so much we can do together - and it is so much more fun to be a part of a team with people with similar core values and integrity. I think our team members once they get a solid taste of not only the financial results but being a part of a team with my model - they are going to want to want more and Lawrence and I have already discussed this - an I am working on it developing a model for helping any team member we work with - deploy our contexts and concepts and work with them on that.

Our world needs new leadership at all levels to solve real problems in a sustainable way. We have the model and I sense we already have the team forming up. We just need to spend a little time getting to know each other and that is going to start happening during the next few weeks.

- David

Protecting Income From Taxes for Businesses & Qualified Investors

Hello:

Peter and I went to a syndication seminar this last weekend. We are looking at the syndication process and how to integrate that into our IQ Business Plan. It has a lot of potential.

It's Monday and I have a few hours before my flight. I am amazed at how much work launching new projects can be. We observed a bunch of quality acquisiton business plans and reviewed in detail a model reg-d process.

Maybe I'm biased but I still think our approach is better than how Syndication is currently being done. I can adopt our IQ Processes to Syndication which I think is what we need to do in order to better conform to what people are looking for.

It does still bother me that U.S. Citizens are financially discriminated against based on their financial status. "Qualified/Unqualified" - and the various statuses - it's just plain discrimination.

Go after fraud, misrepresentation, etc, but let individuals decide what to do with their money. If they can go to a casino, then they should be able to take a risk on a business plan. This is America afterall. Anyway, I'll get off my soap box around that.

We discovered a documented, tested, and successfully defended way of sheltering a business income (Up to 50%) from taxes. Nobody knows about it, and the truth is - it is something that requires a legal team to put into place. There are only 12 qualified people in the U.S. that can even do it, and of those 12, only 1 who knows how to do it in a way we discovered late last week.

What does that look like? Well, most high networth/income people pay at least 40% in taxes.
That is $400,000 for every $1,000,000 of net revenue.

Peter and I know how to stop that 40% tax bleed, legally. It is not so much that we can do it, it is that we can connect people to our highly specialized firm that can only set up certain # of these a year.

We are willing to share that information and help people get this done. How that affects our plan is we would like the reciprocal courtesy that the funds we help recapture be put to work in our double digit return program through the IQ Money team.

If someone has been having a bad year? We even know how to reclaim up to $480,000 from past tax years.

You're CPA, and or Tax Attorney doesn't know how to do this, but has probably heard about it. Not a problem, we'll connect you and them directly to those who can answer all the legal questions, site the IRS codes, and 30 years of laws, and our contact has had to defend his clients from time to time. His program has 100% success rate in dealing with the IRS. These dealings are simple straightforward clarifications to inquiries. 100%.

We were pretty much blown away by what we all discovered over the last few days especially in this regards. We even know how and where to invest with tax free returns, or reducing tax liability from 40+% to 15% or 5%, or 0% - the range is due to different methods of approaching the model approached.

This is for high net worth and high revenue people/businesses. There is a $10,000 feasability study required. You're pre-tax net revenue has to be at least $500,000 a year for this to be of interest, and in reality it should at least be $1,000,000 or more. The first year setup depending on your situation is between, $65,000 and $80,000 (maybe less/more depending on your situation), but that cost (which is fully tax deductable), pays for the licensed legal team to protect, and even recover $400,000 per $1,000,000 of revenue, up to 50%, to keep the program going, which includes doing all the forms/taxes, and things has a $50,000 (+/-) annual cost.

Example:

You have $2,000,000 of pre-tax net.
You are going to pat at least $800,000 in taxes. You already know this and have been paying this.

This proven, tested program will recover at least $480,000, and after initial setup, means that you'll have about $400,000 more in your pocket rather than paid in taxes. If your in that tax bracket with that level of burden, you really need to contact me so I can hook you up.

Not doing well this year? We discovered we can go back and get taxes in former years to be paid back to you in the current year, up to $480,000.

No cost or obligation for you to check into this. Yes, you're CPA and/or Tax Attorney/Consultant can talk directly to our licensed source. Nothing shady, no foreign off shore anything. We'll even show you the tax code, rulings and cases to review. This does require things properly setup and each person/business has unique circumstances.

This also, isn't about saving money on taxes either, that actually (oddly) is simply a normal and natural side benefit. This is about empowering you to protect your business and there are tax advantages for doing that. This really isn't anything new. I wouldn't even call it a loop hole, it is just something that only very large companies are and have been doing for a long time.

But there are provisions for small to midsized businesses / professionals to protect themselves and realize these amazing tax optimizations.

Contact me, you really do need to check this out.

Well, I have to pack up and get ready to fly back to Portland.

Namaste'