Hello!
It's Saturday. I'm trying to force myself to not work today. I am so enthusiastic about this project I have a hard time "stopping". Stopping is important for concepts to settle in and new insights to come forward.
Peter came back from a seminar about Syndication and he us up for an advance seminar next month that will dig more into that and put our plan before a billionaire CREI investor and his legal and financial advisory team.
I reviewed Peter's seminar book and notes. My first reaction (Lawrence's too), wow - our approach is way better than that!!
It is what it is.
My voice is almost fully recovered so I will finish recording the audio clips and break our our Power Point Presentation into segments. I think we may do another webinar, but we can accomplish the same thing and make that information available 24x7.
I have to keep reminding myself and everyone that we are forming a team of about 20 people with 5 million capacity each, or 100,000,000 in team resource funds to prep for the deploying our acquisition strategy. It sounds like a lot but it really isn't. I could put a billion dollars to work just as easily and my expand the team by a fact of 10 next year to do just that.
There is a blood bath mess happening in all areas of the economy and real estate. There is also a stunning opportunity brewing during the next 36 months for those who see and understand it. Because our strategy is "dynamic" rather than "static", there is no need to wait on the sidelines and try to time entry. In our approach the market is always good. "Home Run" results are automatically captured as part of the business process. We don't need to rely on those.
If you've ever done "legitimate" pre-foreclosure investing you know you can make a ton of money. Finding the right types of deals and legitimate situations and cooperative distressed sellers and lenders willing to negotiate a short sale is a mixed bag of nuts (laugh). I created my own process 7 years ago. Peter and I tested it. We can hit home runs out of the park - WHEN - we find the right deals and situations. The problem is - you're lucky if you find those several times a year in any geography. Then your competing with all the scam people and the seminar junkies that just got motivated at some seminar, not to mention the high liability of dealing with distressed situations.
Everyone I know who's done those kinds of deals has amusing and stunning horror stories. I took a look at how things were done "back in the day", and I created my own legal documents and process (yes, I had them reviewed by attorneys), and solid. No lawsuits, no problems while everyone else faced a lot of headaches.
I've done the same thing with Commercial Real Estate. I've looked that existing paperwork and processes. I told Lawrence and Peter - this is a mess, we have to clean this up. We've been doing that for months creating quality paperwork, agreements and plans - literally from scratch that deploy our IQ Money Team Contexts to create the world we want to live in.
Most litigation is so unnecessary it is stunning to me what people fight over. One of the reasons why there is so much negative legal activity out there is because most legal contracts are written to "argue" successfully later. I have a different approach and method to legal paperwork. Legal professionals don't like me too much because I don't leave them any room to argue about in our agreements. The downside is any agreement we have has to meet my standards and that keeps me busy as we lay the foundational paperwork necessary for our business process.
I have to acknowledge Lawrence who's been a great editor and co-author for our paperwork. I'll brainstorm it, do a brain dump and the first revision, then he will do a revision, and then we'll do a revision together. Once we are done with that, we have our legal team review our creation for compliance. It is an exhaustive process. The good news is that for each foundational piece once it's done, it really is done and will work long term.
Peter has us setup to go to an advance Syndication seminar in Puerto Rico. (It was insanely expensive.) A lot of high net-worth people are facing some major tax situations coming up. Peter came back from last week with some knowledge that inspired me to make a strategy option change for some of our team members that will reduce the tax effect by about 20%!
We already had the formula and strategy in place (for non-tax reasons) and now we see that not only were we on track for risk reduction, but our method with a little change in context will benefit our team members tax liability in a positive way.
We've been promised that we will learn a tax strategy for high net-worth and income people that legitimately nullifies some of the new tax liabilities (and) it's been tested in IRS court rulings so it is no longer a "theory" but part of case law. I know its boring stuff. Until a strategy has been tested by an IRS court (as many wealthy people are discovering the hard way) a good theory can be very expensive if not proven and tested.
That stuff is our "management" world area. We don't want our Team Members to deal with those kinds of things which is why we have structured by design a method to isolate them from any of that.
From our perspective there is a lot of money to be made. There is no need to do exotic, and questionable strategies anyway. We don't mind paying "fair" taxes and deploying proven optimizing strategies that simply make sense. Since our approach isn't static in nature, what is important is the dynamic process being deployed.
You've probably noticed I enjoy solving problems and making things better. As a result of the insight we received last week I have to revamp and update my growing IQ Plan Analysis Spreadsheet. The challenge with a dynamic business process is that it is dynamic.
Most models are static. It's simple to say "You'll get xx return based on these assumptions", bam - PROFORMA. But the assumptions are usually blue sky and unreal. I don't like PROFORMA personally, it is a necessary though. Most people put a syndicate together around a deal, or do fund raising for a business idea. We have an anwesome acquision plan that is simple, uncomplicated and rooted in common sense. Our PROFORMA is rooted in our minimum criteria, which the current market we are able to profile better acquisitions than our PROFORMA numbers.
In our model we have two sides. The static side is a planned for return. 10% - we live in a changing environment - we can fix an end result return, what what we've made variable is a formula (thank you Lawrence) that normalizes our Team Members return to 10%, regardless of any ups/downs/interest deferrals that usually happen as part of the process. The insight we had was to put more deferred returns out after 12 months which eliminates short term capital gains. Sounds simple enough until you create the formula to track that, and then try to teach it to those who's funds are at work.
Then the 2nd side is our IQ Equity Effects (R) - this is a brilliant strategy for creating a long term compounding effect (AFTER) our team's principle funds have been exited from any acquisition. (i.e. principle funds are no longer at risk). Nobody is doing this that we are aware of because they are too greedy, either the management team is too greedy or the financial partner is too greedy. No need for that with our approach. Plenty of $$ for everyone to win and we do it rooted in a context of protecting principle.
Typical Syndicate -the financial partner(s) principle funds are at high risk. This is why Syndicates are only available to Qualified Investors. The general public isn't allowed to participate, though many ignore the laws. Everyone is happy until something goes wrong, and then you're on the hook criminally for not spending that $150 t $500k in a disclosure process that basically says your not liable for anything anyway. I.E. your money is at risk, your letting xyz company gamble with your money, and if you loose it all, sorry, we warned you in advance that could happen, don't blame us. (laugh).
The IQ Money Team approach can be used to bring together unqualified investors, but since our approach is new, there is no solid case law to stand on yet. I don't think we'd ever face an issue anyway because besides the legal risks and factors that we account for by "design", there is also the human factor that we take into account so that a lot of these weird litigation's is something we and our team simply will not deal with (by design). We are really big into building in solutions as a method of doing business, structuring and processes.
I know there are a lot of people looking at us right now. We are getting more and more inquiries. Visit our website: www.iqmoneyteam.com and introduce yourself. If you are not a qualified investor yet, introduce yourself anyway. Even if you are looking for options for an IRA - get my "Retirement Flaw" report.
I am really big into building teams. I received an inquiry yesterday from someone in NY, who has 25+ years of Commercial Real Estate Experience that is interested in hearing more about what we are doing. Peter presented (one - just one) of our core contexts to a Billionaire commercial real estate investor that got all jazzed up over our shift if approach.
When "we the people" come together to get things done - we not only have physical resources but our combined life experiences that we can draw from. People who want to turn up their lives to another level, stay in the game at a new level of personal and financial rewards have to join forces with like minded people who want to re-define what success and happiness looks like.
Money is a big part of the success and happiness equation. Our plan and approach puts a foundation in place for people to work together with a core foundation of "how" rooted in principles everyone knows but few actually design into their business plan. (Hense all the ruined businesses, friendships and relationships.) All unnecessary.
There - my inspiration has run its course for today. I'm going to turn off my computer for now and do some mindless/enjoy my family kind of activities for the rest of the day.
I just wanted to share with all of you. I can't seem to type or talk fast enough to get everything I want to get ready and available to you.
Step by step!
Namaste' & Blessings to you all!
- David
Saturday, March 7, 2009
Wednesday, March 4, 2009
Syndication
Wow, what a busy week.
Peter returned from a weekend workshop with Cherif Medawar (founder of The Institute of Commercial Real Estate) specific to Syndication as a method of raising capital for acquisitions. This is a traditional way of doing things. We wanted to learn directly from people who do that as part of their business process - for me it was more of a refresher as I've had clients work through what is called reg-d filings in the past.
We are going to be attending a private Syndication workshop next month in Puerto Rico to discuss our business plan with Cherif and his advisory team. Cherif is a billionaire in the commercial real estate world and has a patented business process that is the core of a business methodology he teaches around commercial real estate.
Peter, Lawrence and I had a meeting yesterday to review the information. We compared the Syndication process with our IQ Business Plan. Bottom line, the IQ Business Plan is superior to the Syndication process because we protect the Financial Partner's principal funds with our approach.
Syndication however is what people expect to see when they are investing in projects and plans like ours at the level we are working on. The IQ Business Plan is unfamiliar, and it requires someone to pause and think about it compared to what they are already doing. Once they do that, it's like (Wow, that's brilliant!)
I'm reworking our PowerPoint Slides and converting them into an online presentation and am recording soundbites commentary so anyone interested in what we are doing can 24x7 check us out.
Yesterday I released the PDF file for the "Does your Retirement Strategy Have a Dirty Little Secret?" report i.e. "The Retirement Strategy Flaw". I do not have the complete report ready, but the PowerPoint slides have enough information to reveal the flaw and that information really needs to get out to the general public. That report is being prepared for publication. The core information is available for free at www.iqmoneyteam.com.
I am almost over my head cold (surfaced last week - just as I was beginning to record sound bites!!!) pondering Murphy's Law vs Bijan's Law (laugh). We go with the flow on these things trusting that everything plays out for the greatest and highest good.
We have a dream to share rooted in common sense that solves a lot of peoples investing and retirement (IRA) considerations. What we have put together has to be the best business and investing approach I've ever seen.
Step by Step. A lot of people have been hurt over the last few years because of fraud, undisclosed risks, and trusted licensed advisers that really didn't take care of their clients very well. The "system" itself is flawed (in my opinion.)
U.S. Citizens are being discriminated against based on their financial status, this restricts a citizen's right to "pursue happiness", or as I would say "opportunities". I understand the intentions behind SEC regulations, but then again a Citizen has the right to give away their money, or go into a Casino, etc.
All the regulations haven't really protected people from scams, licensed and respected professionals have been running scams for decades. It's ok, we're dealing with it. It is a barrier to business. We've probably spent nearly $30,000 on Syndication stuff, and there probably is going to be another $20,000 related to legal fee's and filing fee's and stuff.
Not a lot of money for a plan such as ours, but what about small start up businesses? I think we are hurting ourselves as an economy. Prosecute folks for fraud and misrepresentation - just enforce those laws, but don't discriminate against people based on financial status.
Maybe that will be a cause I take on later in life :) (laugh)
That's all for now.
Step by Step!
- David
Peter returned from a weekend workshop with Cherif Medawar (founder of The Institute of Commercial Real Estate) specific to Syndication as a method of raising capital for acquisitions. This is a traditional way of doing things. We wanted to learn directly from people who do that as part of their business process - for me it was more of a refresher as I've had clients work through what is called reg-d filings in the past.
We are going to be attending a private Syndication workshop next month in Puerto Rico to discuss our business plan with Cherif and his advisory team. Cherif is a billionaire in the commercial real estate world and has a patented business process that is the core of a business methodology he teaches around commercial real estate.
Peter, Lawrence and I had a meeting yesterday to review the information. We compared the Syndication process with our IQ Business Plan. Bottom line, the IQ Business Plan is superior to the Syndication process because we protect the Financial Partner's principal funds with our approach.
Syndication however is what people expect to see when they are investing in projects and plans like ours at the level we are working on. The IQ Business Plan is unfamiliar, and it requires someone to pause and think about it compared to what they are already doing. Once they do that, it's like (Wow, that's brilliant!)
I'm reworking our PowerPoint Slides and converting them into an online presentation and am recording soundbites commentary so anyone interested in what we are doing can 24x7 check us out.
Yesterday I released the PDF file for the "Does your Retirement Strategy Have a Dirty Little Secret?" report i.e. "The Retirement Strategy Flaw". I do not have the complete report ready, but the PowerPoint slides have enough information to reveal the flaw and that information really needs to get out to the general public. That report is being prepared for publication. The core information is available for free at www.iqmoneyteam.com.
I am almost over my head cold (surfaced last week - just as I was beginning to record sound bites!!!) pondering Murphy's Law vs Bijan's Law (laugh). We go with the flow on these things trusting that everything plays out for the greatest and highest good.
We have a dream to share rooted in common sense that solves a lot of peoples investing and retirement (IRA) considerations. What we have put together has to be the best business and investing approach I've ever seen.
Step by Step. A lot of people have been hurt over the last few years because of fraud, undisclosed risks, and trusted licensed advisers that really didn't take care of their clients very well. The "system" itself is flawed (in my opinion.)
U.S. Citizens are being discriminated against based on their financial status, this restricts a citizen's right to "pursue happiness", or as I would say "opportunities". I understand the intentions behind SEC regulations, but then again a Citizen has the right to give away their money, or go into a Casino, etc.
All the regulations haven't really protected people from scams, licensed and respected professionals have been running scams for decades. It's ok, we're dealing with it. It is a barrier to business. We've probably spent nearly $30,000 on Syndication stuff, and there probably is going to be another $20,000 related to legal fee's and filing fee's and stuff.
Not a lot of money for a plan such as ours, but what about small start up businesses? I think we are hurting ourselves as an economy. Prosecute folks for fraud and misrepresentation - just enforce those laws, but don't discriminate against people based on financial status.
Maybe that will be a cause I take on later in life :) (laugh)
That's all for now.
Step by Step!
- David
Sunday, March 1, 2009
Sunday March 1, 2009 - Syndication(s)
What a busy end of month for www.IQMoneyTeam.com!
I'm dealing with a head cold which has interrupted my creating sound clips for our PowerPoint presentation. (laugh), so I will have to wait a few days before wrapping that up. I have a list of people waiting for that.
Peter is in CA attending a Commercial Training specific to Syndication. I had a voice-mail from him yesterday and e-mail today. He is very enthusiastic about the knowledge he is bringing back to the team. One of the things I like about being part of a team is the ability to share knowledge and resources efficiently.
We are forming our own version of Syndication for working with qualified investors. We also have a program for non-qualified investors in the works. Because of rules and regulations we recognized that we need to focus on the qualified investors starting point.
Creating our own "world" has been interesting. The rules don't necessarily apply to our contexts, but we have to honor them anyway. It is odd setting aside a greed based context and model and embracing one rooted in prosperity. It is unfamiliar ground and territory. So much of business today is rooted in adversarial perspectives.
When I look at the financial melt downs happening in every sector of business and life - the root cause of those melt downs is greed, and people being out of touch with their own values. The TV Show "Flash point" had a show last week that featured this - 3 men who lost their homes creating a situation for a corporate leader that designed the program that predatized them. It was good drama. But the underlying point is - much of what we do today - is very impersonal.
I think people are hungry to be a part of a team that is on track to accomplishing something for them and every person on a team. Teams can get things done that individuals cannot. An individual cannot effectively compete against a team. Teams just make sense.
I have some spreadsheets to work on, but this cold is tiring me physically (laugh). It is so interesting seeing what I see, knowing what I know - and yet not knowing if I can find 20 qualified investors to join together with a $5,000,000 commitment to the team. That is a $100,000,000 of capital to put to work. I seems so simple.
Every week I hear about some dude that has been scamming his clients, friends, customers for hundreds of millions of dollars, or billions of dollars. I shake my head wondering why because there are so many legitimate and powerful ways of making money with those levels of resources. The foundation again is greed.
I think there is an unreal expectation for returns out there. Home runs are kewl, but to get home runs consistently is something that is not reasonable and I think there is a lot of pressure for people at some of these higher (qualified investor) level projects to get unbelievable returns. There is a lot of money out there. 75 Trillion dollars worth actually, so it makes sense that there is a vulnerability to scams. Most of that money just sits in accounts and creating false statements demonstrating "great" results is a matter of creating an illusion.
That money really isn't being used for anything an the accounting statements are just that. The money isn't even needed for the day to day lifestyles so it goes unnoticed and unchecked for years, or even decades. It is interesting that even multi-billion dollar illusions and schemes can operate as they do.
It is also odd that suddenly when the scheme is uncovered - that it comes to an end. The truth of a lot of these things is it nothing more than shuffling of money around. It makes me wonder what could of been done - if everyone had realistic non-greed based expectations and intentions. Those same amounts of money would of been powerfully put to work. Everyone at those levels would still be wealthy, and those managing the assets would be wealthy too.
It just doesn't make any sense to me - other than people getting caught up in greed. Our planet and humanity is so wealthy and prosperous today we can solve any problem - if we wanted to. We have the knowledge, human, and physical resources. Why anyone today dies of starvation, or diseases we have cures for is a testimony to "greed" and how impersonal our world can be.
When I think of our IQ Team Members - I am thinking of people who have accomplished something in their lives. It may be one of those "once in a life time" considerations. The people I have met throughout my life who have accumulated a million dollars or more of net worth, often are not sure if they could do it again. Some where in the right place at right time. Some won the lottery (laugh).
With that blessing seems to come great fear of losing that blessing. Fear based decisions almost always lead to the very losses that the fear is warning of happening. It is interesting reviewing the statistics of lottery winners.
I see a different model - those with resources coming together as a team to put those resources to work. In our plan, those resources are deployed and put to work actively in passive commercial real estate investments. We get the best of several business and investing worlds by design. I believe our approach is the safest investment option available, while still creating a compounding opportunity which creates and perpetuates wealth.
I seem to be able to teach these concepts in person. The Power Point is coming together. The financial world has really dummied down people's expectations. Nobody wants low returns, and everyone is seeking the holy grail of investing wanting 100's of % returns, or 1,000's of % returns. The people who need those levels of return are the little guys, and even then all they really need is a solid plan that has a compounding element in it.
The problem with gambling is we always hear about the "wins", but people quietly eat their losses which creates a false truth about what is really happening "in the markets".
All investing has risks, but not all investing is gambling. Or perhaps better stated - not all "gambles" are created equal.
When we learned about Commercial Real Estate - and I started running the numbers, looking at deals, profiling geographic regions for growth - I was beside myself with enthusiasm. I still am. There are risks in Commercial Real Estate, gambles can be made with a high degree of certainty in the end result - BUT there are also acquisitions that are no-brainers and they are not hard to find, add $20,000,000 or more in acquisition resources - you can begin a compounding program that regionally diversifies which diversifies risk.
Add a smart approach - that puts the team in control always in an advantages position - now instead of "being played", the team is creating the rules - i.e. "it's world". It is a different game all together.
I just need to find 20 solid qualified investors who want solid safe returns, who want better than a Bank CD's return and will take the time to understand our approach. We guarantee a 10% return with a formula that we can adopt to a changing market, that guarantee (our attorney doesn't like me to use the word guarantee - but I always disclose what backs that, the truth is, there are not guarantees - if you see that word anywhere - you have to ask "What does that mean? What backs that?"
In our world - we back principle funds by positive cash flowing commercial real estate. I can't think of anything better to "back" or "guarantee" principle funds. Park your money in Gold or Silver and you're equity is out of control - there is nothing you can do. Commercial Real Estate, is an asset that "does" something, and what it does creates cash flows and those cash flows are created by businesses that (do something), and those businesses and markets can be expanded, and investigated in advance.
People just are not "thinking" right in my opinion. They are not asking the right questions. Our 10% ROI guarantee is backed by the cash flows of the commercial real estate. People are so mentally conditioned to expect they put their money into something and hope for the best, or they get little to nothing while still risking things.
FDIC is funny to me. We researched and found that in our local area there are over 5,000 people that have over $500,000 in bank cds!
Talk about risk - half of that money is not insured by the FDIC, I suspect few have read that "Insurance Policy" that can change at any time by a vote. They voted to increase it to $250,000 through the end of this year. Yea, what backs that insurance? Nothing you or I fully understand. Undisclosed risks are everywhere.
Just ask me about WAMU - a publicly traded company, the day before the Government stepped in and privately sold it to another company I bought some stocks and options in WAMU.
Wiped out. Valueless. Fair? no. Legal (questionable, some little known clause from after the stock market crash that inspired the great depression.) - we don't know what we don't know and we are totally out of control in the various financial casinos.
I don't want those casinos to end. I don't want everyone to know what I know, or see what I see. I believe there needs to be a new change in financial and corporate leadership. Someone has to set a better example of how to get things done and what is possible.
Our plan has that core foundation. I want to teach what I see and know. I want to inspire teams of people to come together and do great things. It takes wealth,affluence and influence to make major changes in our world today. I and my management team are looking for 20 people with at least $5,000,000 (5 million dollars), because we are a team we can work with 100 people with a million dollars each, or 10 people with 10 million dollars, that is what is so kewl about teams - we can work through limitations simply, directly and easily.
My personal goal (not guaranteed, but I don't see any reason why it cannot be done with our business model) is to have $500,000,000 of assets in play, and our "IQ Money Team" will own 25% of that as a team, and have their $100,000,000 liquid after 5 years, and/or we continue our compounding acquisition plan together. It is such a no-brainer, common sense approach it does inspire lack of sleep until you get to peace knowing "wow - that will work".
If you are a qualified investor, take the time to check out what we are doing. We really have created a truly "peace of mind" strategy for putting money to work passively, a real arm chair approach doing a business and acquisition process you can be proud to be a part of.
Some processes out there (foreclosures for example), it is hard to be proud of taking advantage of the losses of others. The argument there is "someone is going to. The banks need to grow up and re-negotiate their predatory loans and care about their customers. We should never of gotten rid of our "usury" laws which protected people from complex financial manipulations that we are seeing has brought our entire country to its financial knees.
The banks are being bailed out - yet, all they need to do - is "work it out" and "work together", but they don't know how to do that, yet they are in a position of power to do just that. It is very odd watching it. I've done foreclosure & pre-foreclosure work. I helped a lot of people keep their homes as I would only work with people in a no-win situation. There just are better ways of making money today that I want to be involved in.
There is a huge threat to retirement plans rooted in a "flawed" strategy. Our plan fixes that, and I have a 4 slide power point that reveals it. I have about 4 more minutes of audio to record for that presentation.
All this chaos has created a powerful opportunity. The IQ Money team is here to capitalize on that opportunity - but not as a predator - we are here to be leaders and our team - some of them I am certain will want to "get in the game" and we will train and work with them. Our world needs new leadership.
That is all I have for now.
Namaste' - a new adventure awaits today and this week!
- David
I'm dealing with a head cold which has interrupted my creating sound clips for our PowerPoint presentation. (laugh), so I will have to wait a few days before wrapping that up. I have a list of people waiting for that.
Peter is in CA attending a Commercial Training specific to Syndication. I had a voice-mail from him yesterday and e-mail today. He is very enthusiastic about the knowledge he is bringing back to the team. One of the things I like about being part of a team is the ability to share knowledge and resources efficiently.
We are forming our own version of Syndication for working with qualified investors. We also have a program for non-qualified investors in the works. Because of rules and regulations we recognized that we need to focus on the qualified investors starting point.
Creating our own "world" has been interesting. The rules don't necessarily apply to our contexts, but we have to honor them anyway. It is odd setting aside a greed based context and model and embracing one rooted in prosperity. It is unfamiliar ground and territory. So much of business today is rooted in adversarial perspectives.
When I look at the financial melt downs happening in every sector of business and life - the root cause of those melt downs is greed, and people being out of touch with their own values. The TV Show "Flash point" had a show last week that featured this - 3 men who lost their homes creating a situation for a corporate leader that designed the program that predatized them. It was good drama. But the underlying point is - much of what we do today - is very impersonal.
I think people are hungry to be a part of a team that is on track to accomplishing something for them and every person on a team. Teams can get things done that individuals cannot. An individual cannot effectively compete against a team. Teams just make sense.
I have some spreadsheets to work on, but this cold is tiring me physically (laugh). It is so interesting seeing what I see, knowing what I know - and yet not knowing if I can find 20 qualified investors to join together with a $5,000,000 commitment to the team. That is a $100,000,000 of capital to put to work. I seems so simple.
Every week I hear about some dude that has been scamming his clients, friends, customers for hundreds of millions of dollars, or billions of dollars. I shake my head wondering why because there are so many legitimate and powerful ways of making money with those levels of resources. The foundation again is greed.
I think there is an unreal expectation for returns out there. Home runs are kewl, but to get home runs consistently is something that is not reasonable and I think there is a lot of pressure for people at some of these higher (qualified investor) level projects to get unbelievable returns. There is a lot of money out there. 75 Trillion dollars worth actually, so it makes sense that there is a vulnerability to scams. Most of that money just sits in accounts and creating false statements demonstrating "great" results is a matter of creating an illusion.
That money really isn't being used for anything an the accounting statements are just that. The money isn't even needed for the day to day lifestyles so it goes unnoticed and unchecked for years, or even decades. It is interesting that even multi-billion dollar illusions and schemes can operate as they do.
It is also odd that suddenly when the scheme is uncovered - that it comes to an end. The truth of a lot of these things is it nothing more than shuffling of money around. It makes me wonder what could of been done - if everyone had realistic non-greed based expectations and intentions. Those same amounts of money would of been powerfully put to work. Everyone at those levels would still be wealthy, and those managing the assets would be wealthy too.
It just doesn't make any sense to me - other than people getting caught up in greed. Our planet and humanity is so wealthy and prosperous today we can solve any problem - if we wanted to. We have the knowledge, human, and physical resources. Why anyone today dies of starvation, or diseases we have cures for is a testimony to "greed" and how impersonal our world can be.
When I think of our IQ Team Members - I am thinking of people who have accomplished something in their lives. It may be one of those "once in a life time" considerations. The people I have met throughout my life who have accumulated a million dollars or more of net worth, often are not sure if they could do it again. Some where in the right place at right time. Some won the lottery (laugh).
With that blessing seems to come great fear of losing that blessing. Fear based decisions almost always lead to the very losses that the fear is warning of happening. It is interesting reviewing the statistics of lottery winners.
I see a different model - those with resources coming together as a team to put those resources to work. In our plan, those resources are deployed and put to work actively in passive commercial real estate investments. We get the best of several business and investing worlds by design. I believe our approach is the safest investment option available, while still creating a compounding opportunity which creates and perpetuates wealth.
I seem to be able to teach these concepts in person. The Power Point is coming together. The financial world has really dummied down people's expectations. Nobody wants low returns, and everyone is seeking the holy grail of investing wanting 100's of % returns, or 1,000's of % returns. The people who need those levels of return are the little guys, and even then all they really need is a solid plan that has a compounding element in it.
The problem with gambling is we always hear about the "wins", but people quietly eat their losses which creates a false truth about what is really happening "in the markets".
All investing has risks, but not all investing is gambling. Or perhaps better stated - not all "gambles" are created equal.
When we learned about Commercial Real Estate - and I started running the numbers, looking at deals, profiling geographic regions for growth - I was beside myself with enthusiasm. I still am. There are risks in Commercial Real Estate, gambles can be made with a high degree of certainty in the end result - BUT there are also acquisitions that are no-brainers and they are not hard to find, add $20,000,000 or more in acquisition resources - you can begin a compounding program that regionally diversifies which diversifies risk.
Add a smart approach - that puts the team in control always in an advantages position - now instead of "being played", the team is creating the rules - i.e. "it's world". It is a different game all together.
I just need to find 20 solid qualified investors who want solid safe returns, who want better than a Bank CD's return and will take the time to understand our approach. We guarantee a 10% return with a formula that we can adopt to a changing market, that guarantee (our attorney doesn't like me to use the word guarantee - but I always disclose what backs that, the truth is, there are not guarantees - if you see that word anywhere - you have to ask "What does that mean? What backs that?"
In our world - we back principle funds by positive cash flowing commercial real estate. I can't think of anything better to "back" or "guarantee" principle funds. Park your money in Gold or Silver and you're equity is out of control - there is nothing you can do. Commercial Real Estate, is an asset that "does" something, and what it does creates cash flows and those cash flows are created by businesses that (do something), and those businesses and markets can be expanded, and investigated in advance.
People just are not "thinking" right in my opinion. They are not asking the right questions. Our 10% ROI guarantee is backed by the cash flows of the commercial real estate. People are so mentally conditioned to expect they put their money into something and hope for the best, or they get little to nothing while still risking things.
FDIC is funny to me. We researched and found that in our local area there are over 5,000 people that have over $500,000 in bank cds!
Talk about risk - half of that money is not insured by the FDIC, I suspect few have read that "Insurance Policy" that can change at any time by a vote. They voted to increase it to $250,000 through the end of this year. Yea, what backs that insurance? Nothing you or I fully understand. Undisclosed risks are everywhere.
Just ask me about WAMU - a publicly traded company, the day before the Government stepped in and privately sold it to another company I bought some stocks and options in WAMU.
Wiped out. Valueless. Fair? no. Legal (questionable, some little known clause from after the stock market crash that inspired the great depression.) - we don't know what we don't know and we are totally out of control in the various financial casinos.
I don't want those casinos to end. I don't want everyone to know what I know, or see what I see. I believe there needs to be a new change in financial and corporate leadership. Someone has to set a better example of how to get things done and what is possible.
Our plan has that core foundation. I want to teach what I see and know. I want to inspire teams of people to come together and do great things. It takes wealth,affluence and influence to make major changes in our world today. I and my management team are looking for 20 people with at least $5,000,000 (5 million dollars), because we are a team we can work with 100 people with a million dollars each, or 10 people with 10 million dollars, that is what is so kewl about teams - we can work through limitations simply, directly and easily.
My personal goal (not guaranteed, but I don't see any reason why it cannot be done with our business model) is to have $500,000,000 of assets in play, and our "IQ Money Team" will own 25% of that as a team, and have their $100,000,000 liquid after 5 years, and/or we continue our compounding acquisition plan together. It is such a no-brainer, common sense approach it does inspire lack of sleep until you get to peace knowing "wow - that will work".
If you are a qualified investor, take the time to check out what we are doing. We really have created a truly "peace of mind" strategy for putting money to work passively, a real arm chair approach doing a business and acquisition process you can be proud to be a part of.
Some processes out there (foreclosures for example), it is hard to be proud of taking advantage of the losses of others. The argument there is "someone is going to. The banks need to grow up and re-negotiate their predatory loans and care about their customers. We should never of gotten rid of our "usury" laws which protected people from complex financial manipulations that we are seeing has brought our entire country to its financial knees.
The banks are being bailed out - yet, all they need to do - is "work it out" and "work together", but they don't know how to do that, yet they are in a position of power to do just that. It is very odd watching it. I've done foreclosure & pre-foreclosure work. I helped a lot of people keep their homes as I would only work with people in a no-win situation. There just are better ways of making money today that I want to be involved in.
There is a huge threat to retirement plans rooted in a "flawed" strategy. Our plan fixes that, and I have a 4 slide power point that reveals it. I have about 4 more minutes of audio to record for that presentation.
All this chaos has created a powerful opportunity. The IQ Money team is here to capitalize on that opportunity - but not as a predator - we are here to be leaders and our team - some of them I am certain will want to "get in the game" and we will train and work with them. Our world needs new leadership.
That is all I have for now.
Namaste' - a new adventure awaits today and this week!
- David
Wednesday, February 25, 2009
Webinar & Headlines $550 million fraud
Well, my Webinar came and went. (laugh) It went well.
I didn't have my "zen" time that I scheduled in for this. I had to help one of my partners navigate a technical issue that really took up a lot of time today.
My Google and MSN marketing test ($180 worth) was successful. Highly targeted ads to people with $5,000,000 or more in capital.
Then there are people running decade long scams with $550,000,000 of other people's funds. Is it any wonder people are afraid today. People are getting hurt. So much for licensing and forming "advisory boards", and oversight, and all of that. There is no amount of laws, or regulations that is going to stop fraud.
The problem is in the operational contexts our society had adopted. We've stopped creating the world we want to live. We've settled for dog eat dog capitalism rooted in greed and fear. Our culture functions on predatory tactics.
I was cautioned about my use of the word "Guarantee" today, I find this interesting because I also completely and transparently defined what that meant in our program.
The seeds have been planted, we'll see what grows over the next few days. This is where things get spiritual for me. (laugh). We have a solid plan, rooted in common sense that cannot help but achieve a simple, yet powerful end result.
The "experts" want to complicate things, everyone want assurances, and yet, with all of that in place, tonight I read about $550,000,000 of fraud. The world as we know it is being exposed left and fright. That one respected Wall street leader began a scheme in the 1960's finally discovered a few months ago.
Nobody knows what is real anymore. Credentials have failed. People used them to take advantage of others. No transparency, no integrity, no honesty just a system of predatory economics, rooted in fear and greed.
I think we get caught up in really bad expectations and people have to create an illusion for us, otherwise we choose not to play. We want the jackpot, the lotto win. We want the next Microsoft - so we've become nation of gamblers. We use to be creators - rooted in values we all believed in.
Doubts - yes, I wonder why anyone would trust our team with $100,000,000 or more $$. They would have to study our plan, get to know us - look into our hearts - and eyes. In a world where neutrality and impersonal everything rules - who am I, who are we to say - "trust us".
My truth is I want people to trust in the plan because the plan is simple and straight forward. Our team overcame our "greed" and "fear". Lots of things to "fear" out there. It really is a bad decision making energy.
I love the book "Think & Grow Rich" - Hill wrote about not trying to figure out the "How". In my life experience and spiritual journey - Deity - the Unlimited - by many names and paths - likes to "wow" us.
Today I wonder how that will show up. I am in eager anticipation. There is an estimated 75+ trillion dollars of U.S. citizen resources.
All I need is $100,000,000, all of which is and will be secured in a 1st position against cash flowing real estate. There is no "zero" risk anything, but really - security and safety wise it doesn't get any better than that.
The IQ Equity Effect (R) - is stunning, we focused on the contexts, we began running scenarios beyond our base 10% Annual ROI Guarantee last week. I was blown away at the numbers behind the contexts.
When professionals break the trust and defraud their clients - it will not be until we "trust" ourselves, that we will ever be able to trust others. At the end of the day - these frauds and scams challenge us to look within - and evaluate ourselves.
Namaste' and Blessings
- David
I didn't have my "zen" time that I scheduled in for this. I had to help one of my partners navigate a technical issue that really took up a lot of time today.
My Google and MSN marketing test ($180 worth) was successful. Highly targeted ads to people with $5,000,000 or more in capital.
Then there are people running decade long scams with $550,000,000 of other people's funds. Is it any wonder people are afraid today. People are getting hurt. So much for licensing and forming "advisory boards", and oversight, and all of that. There is no amount of laws, or regulations that is going to stop fraud.
The problem is in the operational contexts our society had adopted. We've stopped creating the world we want to live. We've settled for dog eat dog capitalism rooted in greed and fear. Our culture functions on predatory tactics.
I was cautioned about my use of the word "Guarantee" today, I find this interesting because I also completely and transparently defined what that meant in our program.
The seeds have been planted, we'll see what grows over the next few days. This is where things get spiritual for me. (laugh). We have a solid plan, rooted in common sense that cannot help but achieve a simple, yet powerful end result.
The "experts" want to complicate things, everyone want assurances, and yet, with all of that in place, tonight I read about $550,000,000 of fraud. The world as we know it is being exposed left and fright. That one respected Wall street leader began a scheme in the 1960's finally discovered a few months ago.
Nobody knows what is real anymore. Credentials have failed. People used them to take advantage of others. No transparency, no integrity, no honesty just a system of predatory economics, rooted in fear and greed.
I think we get caught up in really bad expectations and people have to create an illusion for us, otherwise we choose not to play. We want the jackpot, the lotto win. We want the next Microsoft - so we've become nation of gamblers. We use to be creators - rooted in values we all believed in.
Doubts - yes, I wonder why anyone would trust our team with $100,000,000 or more $$. They would have to study our plan, get to know us - look into our hearts - and eyes. In a world where neutrality and impersonal everything rules - who am I, who are we to say - "trust us".
My truth is I want people to trust in the plan because the plan is simple and straight forward. Our team overcame our "greed" and "fear". Lots of things to "fear" out there. It really is a bad decision making energy.
I love the book "Think & Grow Rich" - Hill wrote about not trying to figure out the "How". In my life experience and spiritual journey - Deity - the Unlimited - by many names and paths - likes to "wow" us.
Today I wonder how that will show up. I am in eager anticipation. There is an estimated 75+ trillion dollars of U.S. citizen resources.
All I need is $100,000,000, all of which is and will be secured in a 1st position against cash flowing real estate. There is no "zero" risk anything, but really - security and safety wise it doesn't get any better than that.
The IQ Equity Effect (R) - is stunning, we focused on the contexts, we began running scenarios beyond our base 10% Annual ROI Guarantee last week. I was blown away at the numbers behind the contexts.
When professionals break the trust and defraud their clients - it will not be until we "trust" ourselves, that we will ever be able to trust others. At the end of the day - these frauds and scams challenge us to look within - and evaluate ourselves.
Namaste' and Blessings
- David
Pre-Webinar 2/25/2009 - Had to Share
What a busy day so far!
It's 1:25pm, we've been working through a technical issue on Lawrence's system for the webinar. (I is kewl being and IT Guru) - he was downtown somewhere and I remoted into his system. He's up and running ready to go! We have a pre-conference test scheduled at 2.
I launched a Google and MSN ad campaign last night, - it's working. I love online marketing! (Thank you to Jeanne for her assistance. www.abracabusiness.com.
I added a slide. I was inspired to take a quick look through one of my sources for commercial real estate acquisition possibilities that meet my IQ acquisition criteria. Granted about half of the properties the information isn't true (laugh - it is what it is).
I found over $350 million dollars of inventory across 37 out of 54 properties that I had time to look at. The average CAP was over 11%.
I said this to Lawrence and Peter 6 months ago - I am not worried about finding OUTSTANDING deals - any time, anywhere. These are not even the "good" deals, these are deals that simply fit my minimum acquisition parameters!! The good deals are generally behind the scenes not listed.
I made a slide reflecting that!!
Individuals unless they are super wealthy (20 million+ in liquid assets) don't have enough money to invest by themselves. Institutions (REITS, etc), go after deals that are so large, they aren't interested in deals under 100 million.
FOLKS HAVE TO COME TOGETHER AS A TEAM, to get the job done.
We've laid the framework for doing this right (I wouldn't recommend doing this by yourself unless you have a lot of experience dealing with people, legalities, and things).
No need to re-invent the wheel. We've done it, there is so much money to be made you don't have to be cheap anymore. Adopt the IQ Prosperity model for living your life. You'll have a lot more overall life satisfaction and have a lot of fun too!!
Create the world you want to live in!!! We have and invite you to explore it!
Namaste' & Blessings to you,
- David
It's 1:25pm, we've been working through a technical issue on Lawrence's system for the webinar. (I is kewl being and IT Guru) - he was downtown somewhere and I remoted into his system. He's up and running ready to go! We have a pre-conference test scheduled at 2.
I launched a Google and MSN ad campaign last night, - it's working. I love online marketing! (Thank you to Jeanne for her assistance. www.abracabusiness.com.
I added a slide. I was inspired to take a quick look through one of my sources for commercial real estate acquisition possibilities that meet my IQ acquisition criteria. Granted about half of the properties the information isn't true (laugh - it is what it is).
I found over $350 million dollars of inventory across 37 out of 54 properties that I had time to look at. The average CAP was over 11%.
I said this to Lawrence and Peter 6 months ago - I am not worried about finding OUTSTANDING deals - any time, anywhere. These are not even the "good" deals, these are deals that simply fit my minimum acquisition parameters!! The good deals are generally behind the scenes not listed.
I made a slide reflecting that!!
Individuals unless they are super wealthy (20 million+ in liquid assets) don't have enough money to invest by themselves. Institutions (REITS, etc), go after deals that are so large, they aren't interested in deals under 100 million.
FOLKS HAVE TO COME TOGETHER AS A TEAM, to get the job done.
We've laid the framework for doing this right (I wouldn't recommend doing this by yourself unless you have a lot of experience dealing with people, legalities, and things).
No need to re-invent the wheel. We've done it, there is so much money to be made you don't have to be cheap anymore. Adopt the IQ Prosperity model for living your life. You'll have a lot more overall life satisfaction and have a lot of fun too!!
Create the world you want to live in!!! We have and invite you to explore it!
Namaste' & Blessings to you,
- David
Tuesday, February 24, 2009
February 24, 2009
It is amazing how much work it is to "get something" right.
I've been revising PowerPoint slides for the last 10 days. I am very impressed with what we have created.
I am still working on a spreadsheet so people can play with "their" numbers in our plan.
What has been interesting to me is we have focused on our 10% Guarantee and making sure our process will work with integrity. It does and we are very proud of it. We've put the "plan" and the "team" results first.
I've had the opportunity to convert our "context" and plan into a formula for what I am calling the IQ Equity Effect. I knew it was going to be good, but I was blown away when I put the numbers in.
We can't guarantee those numbers, just the formula and process. I'm still working on it because the IQ Equity Effect is a compounding effect. Our plan is not a "static" plan, it is dynamic. The IQ Equity Effect has long term cash flow, equity and pass through tax benefits.
The bottom line for me is - if we are even close to hitting our objectives and I see no reason that we will not - because most of what we do - in acquisition is done in advance to validate the long term process. The IQ Equity Effect looks to be at least 5%, and probably and additional 10%, since a chunk of that is equity. Who even has a valid possibility of a 15 to 30% return, and that return dynamically expands so it is hard to project in a proforma.
Hard money lenders I see will offer 16 to 18%, but that is backed by predatory lending (use to be called usury), and there is a lot of RISK there because the assets being acquired and plan is rooted in "flipping" and they are dealing with high litigation issues with distressed home owners. Yea, you can get great returns, but it is hard to get consistency. 1st position on real estate that is valued based on declining "comps" is a huge risk. We don't mess around with that which is why we are totally focused on Commercial with our own research and tested acquisition terms and standards (sorry, that is private and confidential to the management team, we've made huge investments in training, research, and validating our assumptions - we'll share with our trusted IQ Money Team Members after we've completed a cycle together.)
I saw the numbers in the spreadsheet and I was blown away. I knew the contexts we set were good and made sense. It was just stunning to see it. I added up one set of Performa numbers without the tax benefits and it was over 20%. I didn't quite believe it so I validated the formulas and it is what it is. My concern is that people won't believe it unless they pull out a calculator and run the numbers and assumptions themselves and look at the current market to get a feel for the fact, we are probably using conservative numbers rather than best case scenarios.
I like to plan with three contexts and I hope to get the spreadsheet updated to reflect:
Worse Case Scenario, Planned Result, Home Run
We tested the webinar interface today. Lawrence had some challenge getting connected. Tom Childers has been awesome. He has our spirit of contribution. I look forward to rewarding him by sending business his way for all of his help.
He refereed us to an outstanding attorney that isn't afraid to "create". Tomorrow is our big day.
I've been updating our documents and getting announcements out. Things are looking up.
Besides the financial power of a team - we haven't even gone into the power of the talents of the people we are building relationships with.
This is a new model rooted in concepts that can make a real difference.
I know that some people just want a good solid and safe way to put their money to work without hassle or headache.
Then there are going to be those who will want to get back in the game. I can see training team leaders in different regions and working with them to form their own teams using our contexts and approaches.
I've always wanted to "Change the World" - (laugh) who hasn't, especially as a young man or woman. I am starting to envision that we can make a difference rooted in prosperity and reality rather than fear and greed.
Its nearly midnight, another very productive day. I'll suspect I'll be getting an early start first thing in the morning. Sometimes that is 3 am, it's often 5:30am. I don't use an alarm clock which is interesting. When I'm done resting - I'm up and about digging in. I have noticed however that my body does have some limits. (laugh), my fingers get sore from typing, and my eyes need to take breaks from reading fine print (laugh).
I've noticed that my enthusiasm level is so high that I am eager to start my day as soon as possible. It is amazing the power of dream, vision and enthusiasm.
I am so looking forward to sharing our plan with others tomorrow on our webinar.
That's all for now.
Namaste' & Blessings to you
- David
I've been revising PowerPoint slides for the last 10 days. I am very impressed with what we have created.
I am still working on a spreadsheet so people can play with "their" numbers in our plan.
What has been interesting to me is we have focused on our 10% Guarantee and making sure our process will work with integrity. It does and we are very proud of it. We've put the "plan" and the "team" results first.
I've had the opportunity to convert our "context" and plan into a formula for what I am calling the IQ Equity Effect. I knew it was going to be good, but I was blown away when I put the numbers in.
We can't guarantee those numbers, just the formula and process. I'm still working on it because the IQ Equity Effect is a compounding effect. Our plan is not a "static" plan, it is dynamic. The IQ Equity Effect has long term cash flow, equity and pass through tax benefits.
The bottom line for me is - if we are even close to hitting our objectives and I see no reason that we will not - because most of what we do - in acquisition is done in advance to validate the long term process. The IQ Equity Effect looks to be at least 5%, and probably and additional 10%, since a chunk of that is equity. Who even has a valid possibility of a 15 to 30% return, and that return dynamically expands so it is hard to project in a proforma.
Hard money lenders I see will offer 16 to 18%, but that is backed by predatory lending (use to be called usury), and there is a lot of RISK there because the assets being acquired and plan is rooted in "flipping" and they are dealing with high litigation issues with distressed home owners. Yea, you can get great returns, but it is hard to get consistency. 1st position on real estate that is valued based on declining "comps" is a huge risk. We don't mess around with that which is why we are totally focused on Commercial with our own research and tested acquisition terms and standards (sorry, that is private and confidential to the management team, we've made huge investments in training, research, and validating our assumptions - we'll share with our trusted IQ Money Team Members after we've completed a cycle together.)
I saw the numbers in the spreadsheet and I was blown away. I knew the contexts we set were good and made sense. It was just stunning to see it. I added up one set of Performa numbers without the tax benefits and it was over 20%. I didn't quite believe it so I validated the formulas and it is what it is. My concern is that people won't believe it unless they pull out a calculator and run the numbers and assumptions themselves and look at the current market to get a feel for the fact, we are probably using conservative numbers rather than best case scenarios.
I like to plan with three contexts and I hope to get the spreadsheet updated to reflect:
Worse Case Scenario, Planned Result, Home Run
We tested the webinar interface today. Lawrence had some challenge getting connected. Tom Childers has been awesome. He has our spirit of contribution. I look forward to rewarding him by sending business his way for all of his help.
He refereed us to an outstanding attorney that isn't afraid to "create". Tomorrow is our big day.
I've been updating our documents and getting announcements out. Things are looking up.
Besides the financial power of a team - we haven't even gone into the power of the talents of the people we are building relationships with.
This is a new model rooted in concepts that can make a real difference.
I know that some people just want a good solid and safe way to put their money to work without hassle or headache.
Then there are going to be those who will want to get back in the game. I can see training team leaders in different regions and working with them to form their own teams using our contexts and approaches.
I've always wanted to "Change the World" - (laugh) who hasn't, especially as a young man or woman. I am starting to envision that we can make a difference rooted in prosperity and reality rather than fear and greed.
Its nearly midnight, another very productive day. I'll suspect I'll be getting an early start first thing in the morning. Sometimes that is 3 am, it's often 5:30am. I don't use an alarm clock which is interesting. When I'm done resting - I'm up and about digging in. I have noticed however that my body does have some limits. (laugh), my fingers get sore from typing, and my eyes need to take breaks from reading fine print (laugh).
I've noticed that my enthusiasm level is so high that I am eager to start my day as soon as possible. It is amazing the power of dream, vision and enthusiasm.
I am so looking forward to sharing our plan with others tomorrow on our webinar.
That's all for now.
Namaste' & Blessings to you
- David
Monday, February 23, 2009
David's Notes for February 23, 2009
As one of the founders one of our core principles is transparency. Obama our new President really impressed me when he realized this context and has made it a core foundation for his leadership. He communicates and doesn't hide. He is also quick to take responsibility and isn't into creating masks and illusions.
One thing I have learned over the past 6 months is that taking ideas and concepts and then converting and creating them into "reality" is a lot of work that requires a team of different professionals. If some elements are things that have never been done before there is resistance (especially with legal professionals.) I now have an intimate understanding as to how "we the people" and our Culture get locked in, boxed in to patterns that simply don't work.
Today I am wrapping up a PowerPoint presentation and getting ready for a trial run of it with Lawrence. I received Peter's insights yesterday. It is such a blessing to work with three different talented people and their points of view. It is one of the strengths of working with a team instead of being a lone ranger.
We have a new friend Tom Childers out of Seattle who specializes in Cost Segregation as part of a cash flow enhancing strategy for Commercial Real Estate (he's been doing this kind of thing since the 70's). He reviewed my 1st draft of our website and was impressed with our core values. It was excellent timing because - well when you create something new - sometimes you don't know what you don't know. To get some validation from an industry insider was very inspirational.
Tom does Webinars and most of his clients are qualified investors. He invited us to put together a Webinar. That has been my focus of the last couple of weeks is to translate what I've been talking about and refining during the last 6+ months and merging principles I've been learning over the last 10+ years into a simple, easy to understand presentation that will inspire a financial partner team to form.
He was able to introduce us to an attorney who was able to understand our structuring concepts. Most attorney's are so focused on why something won't work they become barriers to creating anything new. Our new attorney's context is "Ok, how can we make that work?" - a man after my own heart. I love it. We're moving full steam ahead!
In "Creating the World we want to live in", we the founders have been wrestling with how good to make our program. Sounds odd doesn't. We didn't work backwards from the numbers. We literally spent hours asking "What's wrong today?" (business, culture, government, law, investing, banking, etc.) we established goals, contexts and standards to build on.
From this emerged a lot of "Ok, how do we...." questions, like "What is the safest place to put money, and why is it safe?" and then build on the principles to address the current and ever present needs to fix the problems we see. Like "How do we prevent litigation risk?", "How do we protect people and ourselves from fraud - by design?"
We are really into "by design", if there is a way of structuring and/or creating a procedure that prevents or eliminates issues faced - we adapt it as a business process. What I have learned is there is so much fraud going on behind the scenes - business and government is literally living in two worlds. One that is an illusion that is presented to the public/their customers and one that is really going on behind the scenes.
The bottom line - you can make a lot of money with other peoples money. If you keep them afraid, you don't have to pay them very much while you make out like a bandit. (Banks have been doing this for a long time.) Add basic greed to that formula then suddenly banks are gambling with money in the derivatives markets (i.e. FOREX - my favorite casino of choice - some day I'll master it - laugh - but I always know it is a Casino so I'm not in a Casino to "invest", it's a battle of sorts, I've always enjoyed a good game of Craps, Casino's are a great place to learn self discipline and money management - laugh, the keys to breaking even and even winning every once in awhile.)
That was a big question "How do you invest without Gambling?", almost all investments you look at Gamble on something, even a bank CD it is a gamble that the FDIC will stay solvent, and if you have more than the insurance states, it is a gamble in the fine print of the "insurance policy" and those policy elements can change at the whim of the rule makers without you're control - and yet - your money is at risk - it is a huge gamble.
Some of us learned about some clauses, rules and laws when WAMU, a publicly traded company was sold in the middle of the night to another company, wiping out the stock holder's interests and pocketing billions of dollars. They did this "legally" through some rules never used before (or so I have been told) that were setup after the great depression. Didn't see that one coming. I thought stock holders owned the assets of a business and there was a Board of Directors that represented them.
All this happened a week before a bail out package...we don't know what we don't know. It turns out this little fireside sale was secretly (no transparency) in the works for about a year prior. So, the average investor in WAMU gets screwed, and already wealthy banking people make a killing.
I got fed up with that world. I literally bought some options the day before the "middle of the night" deal because I believed the bail out was coming and WAMU was an old and established bank. It's like the Casino itself cheated on that one. (laugh), we put up with this because we've gotten use to "Gotcha" economics, and "Gotcha capitalism". I don't know about you but I'm tired and fed up with that.
So - I - with the help of others have blazed a new path for business and investing taking what is good and what works into a new approach to proven ways of working with commercial real estate. I just modified how things are done in a way that protects everyone instead of ways that put people at risk. Simple stuff really.
I'm just willing to challenge the "Well, this is how it's done." baloney. I've been doing that all my life - challenging the "norm", when there are other and better ways of doing things.
It is my understanding there will be up to 200 people on our Webinar. We only need 20 people to work with that have $5 million to put to work - safe and securely. Our plan is scalable, we could take on the entire group of 200 people. My guess is we'll have to cap things at 50 people because at least for me - it is hard to personally get to know more than 50 people.
Our plan is all about building a team. What we are doing is just the beginning. You put 50 people together and you have a brain and talent trust that can do anything. Yea, we need to create our "financial partner" because our plan is beyond the capacity of any one individual, which is kewl - it means we can do things and compete in ways others can't. This reduces risk, and expands opportunity at the same time. It is pretty kewl.
The road block is "trust" - a real team has to trust its members. We've created a core foundation with a team pledge and agreement (a business and investing prenup is what I call it), a big consideration in any team/partnership is litigation, and how do we solve problems together, etc.
Well, that is what a prenup is all about. We've got a plan in place as part of this for what happens if the U.S. Currency and Financial system collapse?
Many people are worried about that. Really it is not a new worry. History teaches us many things, especially about Fiat currency. It always fails eventually.
You'll want to be part of a team - that owns commercial real estate. What governments demand of "gold and silver" is interesting. Don't think it can happen, I think Gold restrictions on U.S. Citizens after the "Great Depression" was lifted in the early 1970's. (1974?) not that long ago. We don' know what we don't know.
This I do know - commercial property is the only thing that survives anything other than a nuclear event. Nothing is totally risk free, but some risks we don't a lot of choice to face.
I am going to begin making notes here. Right now its all about sharing our ideals and getting commitments from people to form our IQ Money & Lending Team.
I'm wrapping up a very interesting spreadsheet that does some basic proforma calculations for our IQ Money Team Members including what I call the IQ Equity Effect (R), which compounds cash flows, equity and tax benefits without risk to pincipal funds. (It's actually totally separate), there is so much that can be done as a team and it is so profitable we can do some amazing things.
Why? Our plan and team is based on prosperity, not fear or greed. We asked "Ok, knowing what we know - if we were an IQ Money Team member, what would we want? What world would we want to create and live in?"
We answered that question so powerfully (and a lot of debate because we know people are happily settling for a whole lot less...we had to battle our own sense of "business as usual".
It is no longer "business as usual", it is now the IQ Way, and those on our team are going to experience something amazing, and we are going to have a lot of fun doing it together.
It is going to be a busy week.
What motivates me? I've always wanted to change the world (who hasn't) - laugh - for me this is about contribution, taking care of my family and creating a legacy. It is more than about the money. If it was about the money we wouldn't of created the IQ Equity Effect. We would of kept that all to ourselves. It is just not the world we want to live in.
I believe we need new ideas and leadership in business. I have a lot to contribute. It takes financial resources and influence to get things done. One way of doing that is to make a powerful contribution to the lives of others, solve problems that are hurting people. Our IQ Plan does just that and the core foundations are things I've been working on all of my life. It is almost as if my life up to this point has been a powerful on the job training for this business.
So many little things have come together, resources, training, timing - it is as if the Divine is conspiring to empower us to do this.
"We the People" have huge talent and resources - we just have to be inspired to put them to work that not only serve our own interests (which is fine and fair - out of abundance comes charity and change) - but we can do that without taking advantage of others. That model is not going to work for long and it always ends badly when people take advantage of others and each other.
Predatory practices are not the way to go in my opinion. It is time for a new model and I am working very hard to ensure we get to demonstrate something powerful that will change lives.
Namaste'
One thing I have learned over the past 6 months is that taking ideas and concepts and then converting and creating them into "reality" is a lot of work that requires a team of different professionals. If some elements are things that have never been done before there is resistance (especially with legal professionals.) I now have an intimate understanding as to how "we the people" and our Culture get locked in, boxed in to patterns that simply don't work.
Today I am wrapping up a PowerPoint presentation and getting ready for a trial run of it with Lawrence. I received Peter's insights yesterday. It is such a blessing to work with three different talented people and their points of view. It is one of the strengths of working with a team instead of being a lone ranger.
We have a new friend Tom Childers out of Seattle who specializes in Cost Segregation as part of a cash flow enhancing strategy for Commercial Real Estate (he's been doing this kind of thing since the 70's). He reviewed my 1st draft of our website and was impressed with our core values. It was excellent timing because - well when you create something new - sometimes you don't know what you don't know. To get some validation from an industry insider was very inspirational.
Tom does Webinars and most of his clients are qualified investors. He invited us to put together a Webinar. That has been my focus of the last couple of weeks is to translate what I've been talking about and refining during the last 6+ months and merging principles I've been learning over the last 10+ years into a simple, easy to understand presentation that will inspire a financial partner team to form.
He was able to introduce us to an attorney who was able to understand our structuring concepts. Most attorney's are so focused on why something won't work they become barriers to creating anything new. Our new attorney's context is "Ok, how can we make that work?" - a man after my own heart. I love it. We're moving full steam ahead!
In "Creating the World we want to live in", we the founders have been wrestling with how good to make our program. Sounds odd doesn't. We didn't work backwards from the numbers. We literally spent hours asking "What's wrong today?" (business, culture, government, law, investing, banking, etc.) we established goals, contexts and standards to build on.
From this emerged a lot of "Ok, how do we...." questions, like "What is the safest place to put money, and why is it safe?" and then build on the principles to address the current and ever present needs to fix the problems we see. Like "How do we prevent litigation risk?", "How do we protect people and ourselves from fraud - by design?"
We are really into "by design", if there is a way of structuring and/or creating a procedure that prevents or eliminates issues faced - we adapt it as a business process. What I have learned is there is so much fraud going on behind the scenes - business and government is literally living in two worlds. One that is an illusion that is presented to the public/their customers and one that is really going on behind the scenes.
The bottom line - you can make a lot of money with other peoples money. If you keep them afraid, you don't have to pay them very much while you make out like a bandit. (Banks have been doing this for a long time.) Add basic greed to that formula then suddenly banks are gambling with money in the derivatives markets (i.e. FOREX - my favorite casino of choice - some day I'll master it - laugh - but I always know it is a Casino so I'm not in a Casino to "invest", it's a battle of sorts, I've always enjoyed a good game of Craps, Casino's are a great place to learn self discipline and money management - laugh, the keys to breaking even and even winning every once in awhile.)
That was a big question "How do you invest without Gambling?", almost all investments you look at Gamble on something, even a bank CD it is a gamble that the FDIC will stay solvent, and if you have more than the insurance states, it is a gamble in the fine print of the "insurance policy" and those policy elements can change at the whim of the rule makers without you're control - and yet - your money is at risk - it is a huge gamble.
Some of us learned about some clauses, rules and laws when WAMU, a publicly traded company was sold in the middle of the night to another company, wiping out the stock holder's interests and pocketing billions of dollars. They did this "legally" through some rules never used before (or so I have been told) that were setup after the great depression. Didn't see that one coming. I thought stock holders owned the assets of a business and there was a Board of Directors that represented them.
All this happened a week before a bail out package...we don't know what we don't know. It turns out this little fireside sale was secretly (no transparency) in the works for about a year prior. So, the average investor in WAMU gets screwed, and already wealthy banking people make a killing.
I got fed up with that world. I literally bought some options the day before the "middle of the night" deal because I believed the bail out was coming and WAMU was an old and established bank. It's like the Casino itself cheated on that one. (laugh), we put up with this because we've gotten use to "Gotcha" economics, and "Gotcha capitalism". I don't know about you but I'm tired and fed up with that.
So - I - with the help of others have blazed a new path for business and investing taking what is good and what works into a new approach to proven ways of working with commercial real estate. I just modified how things are done in a way that protects everyone instead of ways that put people at risk. Simple stuff really.
I'm just willing to challenge the "Well, this is how it's done." baloney. I've been doing that all my life - challenging the "norm", when there are other and better ways of doing things.
It is my understanding there will be up to 200 people on our Webinar. We only need 20 people to work with that have $5 million to put to work - safe and securely. Our plan is scalable, we could take on the entire group of 200 people. My guess is we'll have to cap things at 50 people because at least for me - it is hard to personally get to know more than 50 people.
Our plan is all about building a team. What we are doing is just the beginning. You put 50 people together and you have a brain and talent trust that can do anything. Yea, we need to create our "financial partner" because our plan is beyond the capacity of any one individual, which is kewl - it means we can do things and compete in ways others can't. This reduces risk, and expands opportunity at the same time. It is pretty kewl.
The road block is "trust" - a real team has to trust its members. We've created a core foundation with a team pledge and agreement (a business and investing prenup is what I call it), a big consideration in any team/partnership is litigation, and how do we solve problems together, etc.
Well, that is what a prenup is all about. We've got a plan in place as part of this for what happens if the U.S. Currency and Financial system collapse?
Many people are worried about that. Really it is not a new worry. History teaches us many things, especially about Fiat currency. It always fails eventually.
You'll want to be part of a team - that owns commercial real estate. What governments demand of "gold and silver" is interesting. Don't think it can happen, I think Gold restrictions on U.S. Citizens after the "Great Depression" was lifted in the early 1970's. (1974?) not that long ago. We don' know what we don't know.
This I do know - commercial property is the only thing that survives anything other than a nuclear event. Nothing is totally risk free, but some risks we don't a lot of choice to face.
I am going to begin making notes here. Right now its all about sharing our ideals and getting commitments from people to form our IQ Money & Lending Team.
I'm wrapping up a very interesting spreadsheet that does some basic proforma calculations for our IQ Money Team Members including what I call the IQ Equity Effect (R), which compounds cash flows, equity and tax benefits without risk to pincipal funds. (It's actually totally separate), there is so much that can be done as a team and it is so profitable we can do some amazing things.
Why? Our plan and team is based on prosperity, not fear or greed. We asked "Ok, knowing what we know - if we were an IQ Money Team member, what would we want? What world would we want to create and live in?"
We answered that question so powerfully (and a lot of debate because we know people are happily settling for a whole lot less...we had to battle our own sense of "business as usual".
It is no longer "business as usual", it is now the IQ Way, and those on our team are going to experience something amazing, and we are going to have a lot of fun doing it together.
It is going to be a busy week.
What motivates me? I've always wanted to change the world (who hasn't) - laugh - for me this is about contribution, taking care of my family and creating a legacy. It is more than about the money. If it was about the money we wouldn't of created the IQ Equity Effect. We would of kept that all to ourselves. It is just not the world we want to live in.
I believe we need new ideas and leadership in business. I have a lot to contribute. It takes financial resources and influence to get things done. One way of doing that is to make a powerful contribution to the lives of others, solve problems that are hurting people. Our IQ Plan does just that and the core foundations are things I've been working on all of my life. It is almost as if my life up to this point has been a powerful on the job training for this business.
So many little things have come together, resources, training, timing - it is as if the Divine is conspiring to empower us to do this.
"We the People" have huge talent and resources - we just have to be inspired to put them to work that not only serve our own interests (which is fine and fair - out of abundance comes charity and change) - but we can do that without taking advantage of others. That model is not going to work for long and it always ends badly when people take advantage of others and each other.
Predatory practices are not the way to go in my opinion. It is time for a new model and I am working very hard to ensure we get to demonstrate something powerful that will change lives.
Namaste'
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