By Joining the Advocacy Network you will get constant updates and access to Smart Decisions about Money. Not only do we inoculate and insulate you from scams, fraud and predatory sales tactics, we also assist you in making smart decisions about money in all of you and your families financial concerns. Common sense about Money is highly uncommon and the Advocacy Network has helped our members save in excess of $4.5M in losses to date. That’s is $4.5M that stayed in the pockets of our members and gave them the opportunity to find real investment opportunities. Go to www.theadvocacynet.org today and register for FREE membership.

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Blue Sphere Energy Update

http://www.altenergystocks.com/comm/content/bluesphere/ Check out the most recent research update on BLSP

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Unintended Consequence of Regulations

As a former Life Insurance producer (over 30 yrs. in the industry, still maintain licenses and stay up to date on happenings) I find the maze of present regulatory activity to an albatross that unfortunately hangs around the necks of middle class consumers who have been the so called targets of help from the government.

I was fortunate to have been a newbie to the industry back in the day when there was a distinction between a Life Insurance professional, a Stock Broker and a Banker. In that time an individual had the opportunity to get professional help from 3 clearly differentiated professionals who had no conflict of interest and gave the individual the best chance of getting the right product for the right financial need at the right time. The Regulators decided though that the Banks had a good point when they said they could better serve all by having the ability to provide insurance, securities and banking products. This led to the period where the Banks became stockbrokers and Life Insurance professionals as well as Bankers. This forced Life Insurance Professionals to become stockbrokers and Stockbrokers to become life insurance agents. What the consumer got was hosed.

Now the debate is how to further regulate any differential from these professionals once again. It comes in the form of the demand for all financial service professionals to be held to a standard of fiduciary as opposed to suitability. This will essentially cut the middle class consumer and investor out of the equation and make it prohibitively costly for the small investor to participate in any form of investing. It will also destroy the opportunity for the same middle class consumer to obtain an annuity when it is suitable for them to do so.

Presently there are numerous levels of laws and regulations protecting consumers and small investors but the Federal government is seeking to get its hands on the potential fees that come along with excessive regulations. At the Advocacy Network we work to protect consumers, investors and businesses from scams, fraud and predatory sales tactics. We also need to voice our concern when there is unwieldy and unnecessary government intervention that is supposedly geared to protect consumers and investors when in reality it is simply methodology for the Federal government to increase revenues in the form of regulatory fees. These fees are always passed down the line to the pocket of the consumer/investor and in essence constitute an additional tax.

As we know there are some abuses in the sales of annuities and these abuses are a small percentage of the overall sales but consumers should be protected and here is how they are presently protected:

  1. State Insurance departments have numerous levels of protection and also have Elder Abuse laws passed in a majority of states.

2. The suitability standard has 3 levels of protection to the consumer who purchases an annuity. The insurer must review the agent’s recommendation of suitability for each and every sale (not a sampling of sales). Second level is this strict review requirement is required before the policy may be issued and continues during and throughout the free look period. Lastly, upon delivery of any policy if the client believes the annuity policy is not suitable or no longer fits their previous suitability they may return it for a full refund of premium. There is no other financial product that offers this 3 tier level of protection. Therefore it is quite evident that best standard of care for this sale is the suitability standard and that forcing a fiduciary standard would provide no additional protection but would effectively make less product available and leave middle class consumers with less options at greater expense.

The problems that started the whole debacle was the catering to banks when they wanted to become insurance agents and stockbrokers to simply increase their profitability. The banks already had an unfair competitive advantage as they controlled a heavy portion of the population through depository and checking accounts. Once that had control of this  data point allowing them sell insurance and securities put the other forms of distribution (agents and stockbrokers) at a clear disadvantage and forced them into competition instead of professional advisory roles.  This was an easy mess to identify and avoid but the greed of the banking industry and their control of the regulatory agencies created this mess and is still directing its dysfunction. Now the effort to further diminish any competition is being undertaken with the guise of consumer protection through further regulatory interference.

The only people who can stop this is the middle class consumer and investors who need to stand firm on their rights for open competition and the ability for share in the marketplace opportunities that presently are being limited to wealthy investors. Time for the small investor to get the opportunity to share in the creation of personal wealth and make the playing field more even. Say NO to those legislators and regulators who are seeking to put their hands in your pockets under the guise of protecting your best interests as nothing could be further from the truth.

Karl Schilling

www.smartdecisionsaboutmoney.com

 

 

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New Year New Thinking

Here we are into 2015. Another year, and as usual more new year resolutions which by now have been mostly been disbanded upon the trash heap of daily reality. So begins the guilt and travail over misappropriated time and effort. Why does this happen every year?

The first and most prevalent reason for failed resolutions is a simple lack of simplicity. The best intentions that begin the year are all based upon a complex level of thinking when the reality is a simple change of thought would solve the problem. As Aristotle so aptly put it “we are what we repeatedly do, excellence therefore is not an act it is a habit.” The best resolutions are fruitless unless they are habits. What is required is a commitment to a commitment.

The proof of how simple our world truly is exists in the alphabet, music scale and the prism of colors. Consider that all the wealth of literature in the English language was created from 26 letters, no more no less. All the music in the world was created by the use of 12 notes and colors exist from the base of 3 colors (red, blue, yellow). Not only is everything formulated to date from these basic building blocks but every moment we continue to create and develop more intellectual property, this is an endless cycle. As complex as that all is its core reality comes in the sheer beauty of infantile simplicity.

One only needs to ask if they are complicating issues and therefore making life much more difficult then it needs to be. Are you complicating matters?

Advocacy exists to help our members weed through the complexities of financial decision making processes. The continued habits formed in these decisions expose you to victimization. Mistakes with money cause guilt, shame and lead to depression and despondency. Realistically this comes from a poor thought process about money matters. Money is not finite, nor is abundance. Yet the poor thought process that marries up to scarcity creates  the limitations that lead directly to money mismanagement. The saddest fact of all is that only you can make you a victim. No reason to identify scams and blame scammers after the fact, the truth is to fully inoculate and insulate yourself against scams, fraud and predatory sales tactics by being aware of your financial decision making process. When you are fully aware of how you make financial decisions you can easily identify and avoid scams and frauds.

The difficulty lies in the work and effort it takes to establish your awareness. It requires an effort very few people seem willing to make and that is “thinking”

Advocacy is going to provide a step by step strategy for you to identify your financial decision making process. All you have to do is follow the recipe we provide. How simple is that? Together lets make 2015 the greatest year of your life!

Karl Schilling 321-250-1445 O 321-947-3220

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How is Your Awareness?

The newest cottage industry as it seems is “the Law of Attraction.” By now you must have been touched by a LOA coach or someone looking to sell you a package. Now, I am not going to diminish the law of attraction because I know it exists and I also have realized the benefits of its usefulness in my life. But there is no big secret nor is there any pressing need to find a guru to magically transform you.

Let’s look at some very simple principles that can alter your thinking and therefore dramatically change your actions. I like to refer to these principles as UNAWARE, AWARE, AWARENESS.

The stage of unaware is the major starting point for everyone. I can best show how this works with an example from my own life. I spent many years playing and coaching baseball. While coaching I came upon a great deal of information that I never came upon as a player. It is safe to say that if I knew what I had learned in coaching when I was a player I would have been a dramatically better player. You see when I was a player I did not know that there was information that I did not know. Seemingly counter-intuitive but the reality is I did not know that I did not know. Thus I was unaware. Not knowing what you don’t know would be the definition of unaware. The vast majority of people move through their entire life in a state of unawareness. This is especially damaging to one’s financial life.

The second stage if one is fortunate enough to attain is that of being aware. It is here that you become aware of the fact that there is information that you don’t know and haven’t yet been able to use due to unawareness. Sounds rather silly and quite simple, yet the reality is there is almost infinite amounts of knowledge in every subject that we are missing. The simple ability to recognize the existence of this knowledge is major breakthrough and puts you on the pathway of great accomplishment. You can step out of your current situation and dramatically alter your life by simply becoming aware. (The law of attraction begins with becoming aware). The definition of aware is knowing that there is much that you don’t know. Thus I was aware.

The third and final stage is awareness. At this stage you are able to identify that there is much you don’t know and thus you need to learn what you don’t know. Now, you can’t learn everything you don’t know but there is tremendous value waiting for you in the selection of the most pressing knowledge that focuses on what you are seeking to accomplish. In simple terms learning what would best promote your present desires is a sense of awareness. The definition of awareness would be knowing that you don’t know and seeking that which you don’t know in order to acquire knowledge that makes you an authority in your chosen field. Thus I reached awareness.

The Law of Attraction is magnified for those with authority. The abundance that surrounds you is attracted to you through your attraction to others. When you have a authority you have influence and this makes you sought after. The attraction of wealth comes to you through your authority. Those who go through life unaware never even realize what they are missing. They have zero authority and therefore zero influence. They simply are. While there is nothing wrong with being unaware, it has the greatest limitation of all. For those who are fortunate enough to become aware much of the limitation is lifted, yet the ceiling is hit when there is no movement towards awareness. The greatest rewards and benefits exist at awareness which is a never ending stage because you can never accumulate all the knowledge that is available in your search.

I started the Advocacy Network to stop victimization in the financial decision making process. The truth is victimization is a much greater issue in life in general. I challenge you to rise out of unawareness and if that has already been accomplished then the challenge exists to embrace awareness with your very being and maximize the law of attraction. You can do this all on your own, as your authority will attract that which you truly desire.

 

Karl Schilling

www.theadvocacynet.org

321-250-1445 O  321-947-3220 C

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Public Awareness and Branding

I anticipate you as an investor have been bombarded with penny stock information. Usually this comes into you email or you go looking for it directly. Either way you end up with well too much meaningless tripe and very little influential material. This tends to be the IR (investor relations) industry modus operandi. Throw enough against the wall and some will stick.

Well, you know that our mission is to help you make smart decisions about money and find meaningful ways to grow and increase your wealth while also ensuring that you place the proper risk management tools in place to protect and replace your income as well.

When it comes to small cap, micro-cap or emerging growth companies (however you wish to define them) there are realistic and highly profitable opportunities to invest in. Of course you need a selective radar and a full understanding of what to long for and how to define it. We will be developing a full platform to help you identify and fully vet these profitable opportunities. We will not be providing you with selections nor making picks, we will however be providing you with companies that have been fully vetted and identified through the Advocacy Network. These will be companies we work with directly and can provide complete and total transparency about.

Our work with these companies is geared to Brand Their Ticker and get them the most positive and fully transparent exposure possible. This is true awareness, not some hype but the complete story including warts and all. It is apparent and quite obvious that emerging growth companies (small cap, micro-cap etc..) come with certain risk profiles and they have numerous negatives which should be fully understood when investing in them. With that being said these companies still offer great gains and opportunity when they are fully vetted and strong due diligence is completed. Too many investors lay their money down looking for fast and huge returns and seemingly disregard the fundamentals behind investing. These companies need to be treated with a long term view just as Blue Chips are regarded as long term. Of course there can be multiple opportunities to take back some profits but the investment cycle should be a long term strategy. (We will get into more specific reasons for this in later materials).

Kindly put us on your favorites list and come back for all updates. You can also become a member of the Advocacy Network for free and get all our educational materials and offerings. www.theadvocacynet.org

Thanks and I look forward to helping you make smart decisions about money,

 

Karl Schilling

321-250-1445

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The Magic Silver Bullet Syndrome

Great wealth for little or no effort, free money, quick returns, overnight success, zero risk, risk free, GUARANTEED! This is the rhetoric of the magic silver bullet syndrome. The one consistent behavior trait that supersedes even cynicism and skepticism is the belief that one can get rich quick. This has long been the implied promise in all scams, frauds and predatory sales tactics.
When you grasp a very simple concept you can let go of this tragically destructive belief pattern. In fact the ability to be inoculated and insulated against scams, fraud and predatory sales tactics is built upon a foundation of behavioral change. The ability to change any behavior pattern relies on the foundational change of a belief. Many times beliefs become deeply ingrained and as such are sub-conscious triggers which we are unaware of. When these triggers are launched the results are a pre-ordained decision-making process which has been built upon the underlying beliefs about any pertinent information.
The simple truth is if you believe the sky is black then you will make all your decisions based upon this information, regardless of the fact that the sky is blue. You ultimately see what you believe and therefore the sky is black and no amount of evidence will shake this ingrained belief. The old adage goes I’ll believe it when I see it, but the truth is I’ll see it when I believe it. Now, of course this is a very extreme example but it highlights how the sub-conscious process works.
Beliefs about money are just as extreme, every individual has developed certain beliefs about money and all their financial decisions are made based upon their beliefs. If you have been ordained to believe that “money is the root of all evil” and to be wealthy would be destructive then you are repelling money on a daily basis and all you decisions are made with this simple belief driving your sub-conscious mechanisms.
With this awareness you can now understand the common urge to find quick money and find shortcuts to success. On a conscious basis the vast majority of individuals want to believe that there is a magic silver bullet that will take care of all your needs and get you out of any difficulties. It is simply a natural mindset to feel comfortable with the chance to win the lottery and have all the problems melt away. Of course the statistical probability of winning the lottery is just a tad above zero, but the chance is the addiction. We are addicted to chance. We want to believe and we want to win with no sacrifice, no risk and want a guarantee that if we fail we came be made whole immediately.
The reality is there is no winning without work, there is no success without sacrifice and there are no guarantees in life. One of the greatest tools in a scam artist’s tool bag is the impression that there are guarantees and there are risk free opportunities to become immensely rich and have everything you ever dreamed of. This fantasy is portrayed time and again in every commercial venture you are exposed to. It is played out emotionally in scams, fraud and predatory sales tactics though.
So what is the simple answer to this tragically destructive belief? Here it is:
There is no such thing as a magic silver bullet!
The magic silver bullet in any deal, opportunity, marketing proposals etc… doesn’t exist.
Debating interplanetary aliens, Big Foot, the Loch Ness Monster and the many other real or unreal is good for scientific and intellectual debate none of these beliefs directly endanger your financial future. (Unless of course the scam or fraud is driven around a space trip or a big foot excursion).
The existence of a magic silver bullet keeps scams and fraud alive and well. When you give up this one belief and accept that success is possible through a structured work ethic, great financial results can be had through the use of solid due diligence, intelligent use of time, capital, and rate of return you can eradicate the magic silver bullet myth. That financial success can be had through the oversight of risk profiles and how risk relates to return and how growth expands when risk, return and chance are properly executed. When you remove the magic silver bullet you can think logically and rationally. You can attach your emotional connections to the elements of your life that require strong emotional support. Money is simply a concept it is not a living breathing organism and it does not have any emotional value. Unfortunately most people have attached an emotional value to money and it is this emotionally driven impact that gets in the way of making smart decisions about money. Money can be an ally or a great misery. The choice is up to the individual.
Repeat after me: “There is no magic silver bullet”

Karl Schilling
The Advocacy Network
321-250-1445 O
321-947-3220 C
Skype: karl.schilling5
www.smartdecisionsaboutmoney.com

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Anchoring and Decision Making

The cognitive bias that describes our common tendency to place too much emphasis on one trait or piece of information when making a decision is called anchoring. This occurs during the normal decision making process when we rely too heavily on a specific piece of information which governs our thought process.
Once the anchor is stamped in our mind there is a bias set towards adjusting all information to reflect the anchored information. This cognitive bias is often developed at a young age when it is reinforced through our learning process.
Anchoring has a strong impact on our beliefs about money. The financial decision making process an individual moves through is reflective of their perception of money. For example, a person looks at investing in a company they may focus excessively on a certain element of fundamental analysis and use those criteria as a basis for evaluating the value of the investment, rather than considering all the proper elements of complete due diligence. The bias will cause the investor to view all future information in a manner that reinforces their decision.
These decision traps commonly lead to investors staying too long with an investment as well as developing a very large blind spot with regards to the initial investment decision.
Understanding the psychology of your decision making process will allow you to eliminate pre-conditioned bias’ which reduce your probability of making successful financial decisions. Awareness will also help you develop an objective decision making process.
Scam and fraud victims are manipulated through the knowledge and experience their perpetrators have in the field of psychology. In order to insulate and inoculate yourself fully you must understand the psychology behind your financial decision making process. You don’t stand a chance if you haven’t gained full awareness of your anchors. Believe me when I tell you that the professional scammers and fraudsters will find your anchors very quickly and devise a strategy to use to their best interests.
Your focus points for this concept are simple; return to your journal and review your last 5 investment decisions. Take the time to reflect on the answers to several questions:
1. What is the most important aspect of an investment for me?
2. What is my due diligence process?
3. What must an investment not have that makes me decide to say no?
4. What must an investment have for me to say yes?
5. Why do I want to invest?

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Financial Gain or Folly

  • Much has changed in how we approach investing decisions. Thanks to vast research into behavioral biases we can now identifyareas of vulnerability that mostly no one even knew existed in past generations. One of the base rules in psychology is you get more of that upon which you focus and any excessive focus in one area will lead to something important being overlooked.

  • The small sampling of successful investors seem to understand that the actual risks or opportunities in the financial markets do not necessarily correlate with the attention they receive. An example of this was for the last quarter in 2012 it appeared the only thing on the minds of investors were the “sky is falling” focus on the Fiscal Cliff and all the misery it would create when we went over it. In the end we did go over the cliff and the result was the market rose 10%. So while people were obsessing over the doom and gloom they failed to notice the real effects of what was happening in the financial markets.
  • What we have here now is the reality that behavioral biases are not new, but our constant focus on them is. Because of this other basic threats to investment success are being ignored such as historical context. Sadly, investors respond to perceived threats without historical context which leads to making some horribly misguided decisions. This is quite evident in the victims of scams, fraud and predatory sales manipulations. Due diligence with historical context requires the simple exercise of patience and research. While behavioral biases are difficult to immediately identify the planned process of due diligence is under the full control of the individual.
  • As we all know past history is no predictor of future outcome, yet past historical references can elicit valuable information that helps a proper due diligence process. In any investment, risk is a major benchmark. Risk can never be eliminated but it certainly can be mitigated. One of the basic tenets which captures victims is the lack of true understanding of risk. The manipulation of risk tolerance is the key element in any scam or fraud. The painful reality is people like to be deluded into the belief that risk can be controlled. Risk is much like fire, in that there is no guarantee of how fire will behave. Sure there is a science that can back the use of fire and how to control it is so-called controlled environments. But in the real world fire is tremendously dangerous and quite destructive. Risk is the same. Many have attempted to eliminate the disasterous consequences that risk can cause. In the world of the conman risk isn’t only controlled it is totally eliminated and the guise of guarantees are used to comfort and control investors. Once comforted into a position where you believe that risk doesn’t exist you are free to make finacial decisions you would never normally make. The most compelling reality is that everyone seems to understand this when it comes to other areas of life but are blinded to the causitive results in financial decision making processes. An example of this would be asking you to walk on a tight-wire that is 2 inches off the ground. Of course you would not feel any fear in the risk of 2 inches, but if I asked you to walk across the same tight-wire between 25 story buildings you might quickly turn down my offer. The difference obviously is the risk involved. But when it comes to serious financial decisions the same types of offers are made with regularity and people consistently are willing to walk the tight-wire between 25 story buildings.
  • In effect you can learn from several different experiences. The first and most prevalent is your own personal experience, this of course is the most painful as it exacts a 100% price from your own emotional and psychological history. The second way you can learn is by the experience of others who you know. This is less painful but still has some minor emotional nad psychological price attached. The last and most effective way is to learn from the overall history behind an investment. This allows you to study all aspects and see all the impact from every angle and result and thus give you the best overview with which to design a decision. From this education we can learn that all investment risk exists within our own behaviors. So while everyone else focuses on the big picture and all the external threats, your attention will actually be focused on the downside and watching how an opportunity ultimately fits within your specific circumstance.

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    The Power of Intent

    The man who is intent on making the most of his opportunities is too busy to bother about luck.
    B. C. Forbes

    The definition of intent includes such terms as aim and purpose. It is a fundamental starting point. If one set out to accomplish something and begins without intent then they are simply racing idly through their life. Accidental accomplishment isn’t a good way to develop a career or solidify a life’s work.
    Napoleon Hill talked in terms of “definiteness of purpose” when he started his 17 principles of success. His starting point for all success was within this concept. Intent is just another definition for this concept.
    Intent can be either negative or positive; it has no character attached to it. It is the essence of the person behind the intent that validates the characterization of the intention. The reality though is that without intent you are not committed. You have not taken any steps towards accomplishment without formulating a definitive intent.
    Much of our experience is the result of our imprinting from our subconscious mind. We are subject to the behaviors which were manifested through our subconscious imprinting. Intent however is a conscious driven imprint. We have complete conscious control over the creation of our intent. The truth is that the conscious creation of intent is simply and extension of what is already being programmed through our subconscious mind.
    The real power of intent is subject to the conditioning of our mind. By embracing a prosperity driven mindset we initiate the intent of abundance. Through abundance we see the world filled with opportunity and can generate accomplishment in all we choose to do. The intent is always to recognize opportunity. It is this intent that becomes the driving force behind all accomplishment. When you are part of an abundant environment your options become unlimited, your actions can become a dominant force towards manifesting goodness and well-being around all aspects of your life. Everything looks, sounds, feels, and tastes better. Life becomes a journey towards self-fulfillment.
    Your intent ultimately defines who and what you are. We have all heard the old adage of how the road to hell is filled with good intentions. This misses the point of fact that intent is what you choose it to be. You have complete control over the choice of your intent, do you choose to see abundance or do you choose to see scarcity? Whichever one you choose is what you will ultimately end up with.

    Karl Schilling

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