relax...slow down

hello clients, prospective clients, and business alliance members.  modern socialized human patterns demand constant motion and psychologically-manipulated consumption creating unnecessary stress.  we must learn to relax and slow down, sever the marionette strings, and not consume beyond our earth's carrying capacity.

leaving the slippery slope towards collective human suffering, how do you redefine your existence?  taking leisurely drives through the texas hill country from lago vista into austin around 9:30am on a weekday helps tremendously.  stopping your work mid-day and enjoying your son, daughter, or loved one also furthers your leisure.  eating longer than thirty minutes for lunch as well; but, most importantly, thinking deeply about your valuable importance within the collective consciousness. 

humans crave love, clean water, pure food, and meaningful companionship.  without these minimums, which many people even in the 0.05% lack, how can you justify living a full and nourishing life?  chasing the dollar can only buy so much happiness.  yes, money will always buy freedom in this manufactured reality; but, that pursuit has left a hollow vacuum filled with nihilism, polluted water, toxic food, and hate.

we have much to learn from our aboriginal ancestors.  why focus your energy on obtaining a new ipad or smartphone when you cannot provide love, clean water, pure food, or relationships?  aboriginal societies have shown more focus on community and spiritual development, as evidenced by its deep connection with the unknown, than modern global human society.  some aboriginal societies possess uncanny community development, love, spirituality, and cosmic interconnectedness. 

you always hear about young chinese girls selling their bodies for a new iphone, but let us look at the western experience.  think about the miserable wretch schlepping to work and selling his human capital for a country club membership.  women slitting throats for junior league membership, and both genders killing for political parties; but, going back full circle to the chinese girl, the eastern experience has become subsumed with the consumption virus and has even begun perfecting its social control.  western police state regimes salivate with envy...

children emotionally and physically murdering one another due to vacuous voids in their parents' hearts.  bullets flying through movie theaters, landing in the hands of latent sociopaths, and creating multimillion dollar fortunes soaked in blood.  the modern human consciousness must move beyond mechanized death, the most egregious form of consumption, as a means for profit.  

manufactured wars always demand fresh credit supplied by immoral financial and human capital as well as the resource capital that mains and kills innocent people.  think syria and the remnants of the pyrrhic cold war, claimed as an american victory and a soviet loss!!  who won?  doubtful that we could argue that the 2 year old syrian eviscerated by ex-soviet / iranian military hardware came out on top.  we should also ask marie colvin; yet without a doubt, your question would arrive too late. 

western civilization has glorified meaningless violence and social stratification for its own sake and for a marketing dollar.  does glorification via media, marketing, and fast food make us ill or better our existence on our planet?  based on our current experience, we can answer unequivocally yes and no to the two questions.

pouring our resources and energy into education, healthcare, and necessary technological innovation will improve our odds against collective annihilation.  how does relaxing and slowing down relate to education, healthcare, and necessary technological innovation?  the three broad take time with few shortcuts and sometimes results take more than one lifetime. 

what action plan can you create to relax and slow down?

a) tap the nonlocal

collective human mental energy focuses entirely way too much energy on the here and now.  not only must our minds see the present, look back, and envision our future, we must articulately evaluate the unknown.  aboriginal societies held shamans in great esteem, but for the most part, our modern collective mind has laughed off the unknown.  clear your mind and calm your thoughts to stillness.

b) work on what you want to do

we feel that we must work to survive with some grain of truth; however, you have to buy into that reality.  living and working on a farm remains incredibly different, and deep emotional experiences felt in the rural lands resonate with humanity.  urban children with decaying family ties must understand this fact and also not buy into the idea that material possessions define your own worth; likewise, urban environments offer much richness in human consciousness potential.

your thoughts and language define your reality...your mindset determines your worth. 

urban environments take no pity on the disenfranchised, and honestly, it does not have the means to provide a safety net.  urban dwellers doing well know this fact too.  your true safety net remains building your family and community ties.  cultivating and nurturing those ties generally takes generations, does not happen overnight, and requires incredible work. 

c) truly vacation

when you take vacation time, avoid checking business and personal email.  you should in fact just put up the vacation auto-reply and check it once you get back into the office.

my lago vista trip this week remains built for quiet, solitude, quality family time, morning coffee, and wildlife viewing.  our 2 year old boy insisted that he saw deer in the woods, and as it turns out, a 6 point juvenile buck sat below our back porch.  he looked eerily into the glass door.  to thank him, we exchanged pleasantries, and his doe and he went on their way. 

enjoyed a long, hazy morning drive on ranch road 1431 from lago vista into the austin metro area for coffee and an internet connection.  waited all week to pay some bills and write you.  we must always remain resolute in enjoying life.

d) live over your commercial interests

why live in the suburbs when you can live above your commercial interests?  granted, most zoning laws may or may not permit this practice, but it makes sense to stop the commute.  the commute does not allow you to relax and slow down when you cannot control your vehicular commute pace.

imagine working with your doctor, cpa, plumber, or business advisor knowing that they live upstairs and not only maintain the commercial space but also a residential space.  you could truly get to know an important person in your life and facilitate a deeper human understanding.  we must end the tyranny of the suburb!

e) blueprint your perfect neighborhood

your perfect neighborhood would have not only professional services within walking distance but also independent, neighborhood run services and opportunities that allow you to:

• grow your own food

• secure your water rights and exercise judiciously

• create your own independent, integrated power grid

• recycle materials and torn clothes into building materials and other repetitive uses

• organize decentralized, community-minded maintenance systems

• protect your community's children and infirm

our current social, political, and economic systems have failed us.  we must redefine them from the ground up, not from the top down.  expand the idea of not for yourself but for your own to the entire human experience. 

f) overcome socialized consumption patterns

why participate in the global past time around buying and throwing away?  who says that you have to earn 100,000 by age 35 or retire by age 65?  some social psychological spinster may have said so, but human experience has shown over the last 10,000 years otherwise.  no one can put you in that predetermined box unless you let them do it.

g) enjoy transcendental music

this song always makes me happy...enjoy!!  thank you washed out...

http://www.youtube.com/watch?v=7fYnfE5Cycg&feature=bf_next&list=FLXdB0Muh04EttmwtZH1JJ6A

relaxing and slowing down takes time and does not have a uniform path.  start your conversation and determine your own path today!  leave a message and let me know...

love + trust + abundance

hello clients, prospective clients, and business alliance members.  a scarcity mindset creates many unnecessary man-made challenges and inequities.  your thoughts and language define reality.

when you focus your energy on obtaining more and more goods, you can easily fall into a pernicious scarcity mindset trap.  your mental trap lures you with the smell of easy money.  consumption demands more consumption, which demands more consumption, falsifying the easy aspect. 

americans across various the socioeconomic chasm experience advert agencies' desires and dreams envisioned by multinational megacorporations.  consume, consume, and consume, or else, you may not feel welcome in your friends' arms...much less your own family's arms.

let us evaluate negative, scarcity driven consumption patterns:

a) your home size aspirations

why desire a 7,000 square foot ranch home when you have a 5,000 square foot ranch home?  better yet, why desire a 5,000 square foot one when you can probably manage with 2,500 square feet?

growing up in a 3,750 square foot gated ranch home with a private pool perversely affected my housing expectations.  during my childhood, our family moved from a classic neighborhood with lively parks and old homes to a more modern neighborhood.  a sterile neighborhood ambiance and cutthroat environment roamed free.

this trend became much more common as grammar school friends began leaving our old neighborhoods in droves after the initial trickle.  although my experience remained privileged, you could feel the intense scorn living outside someone's gate.  the scorn became more evident throughout my early adult years, which in turn created my own contempt.

...my contempt took years to dissipate away.

after moving out in my early twenties, two 1,500 square foot condominiums made me feel free as a single fellow.  the space should have worked for me; however, my overflowing desire kept growing beyond that floor space with my growing family.

moving to a 2,500 square foot detached home with a clubhouse away from the old condominium quietly pushed our maintenance limits.  getting fired, laid off, and creating an incredible independent practice stressed not only our household reserves but affected our mental energy.  we could have managed with the 1,500 square foot condominium even with one child.

check out this space.  how does it make you feel?  we do not need as much as space as we think that we need or deserve.

b) your salary aspirations

evaluating your salary aspirations relative to a higher standard of living appears relatively straightforward.  you make more money and will remain happier than without your new salary; however, does this scenario always pan out?

moving my work trajectory away from public sector stability to higher private sector earnings appeared straightforward.  my move earned me a raise but also ensconced me in a highly destructive corporate ethos with a crappy commute.

experience has shown in hindsight that the decision remained relatively shortsighted considering subtle clues foreshadowing the mayhem:

• the president's office: it remained over 15 times the size of my office.  our future conflicting relationship appeared perfectly aligned with our space arrangement.  he visually demonstrated to employees and me his favored status, demanding fanatical adherence. 

• no windows: my office did not have any windows.  his presidential office had an entire window panel the size of my interior walls.  similar symbolic logic revealed similar feelings as the president's office size disparity. 

• organizational history: the place seemed too perfect during the interview.  perhaps the mental institution had let out too many people from the local clinic, but people seemed off in the local community.   the president surrounded himself with boys and men that he desired intimately but professed otherwise, making work undesirable. 

in hindsight, we probably could not have predicted these material flaws in my own logic of replacing work positions.  emphatically discovered later that the move did not satisfy my three core needs: the ability to practice creative thinking, set my own hours, and travel.

do not move just for a raise...



c) your personal possession desires

this condition has never particularly made my life difficult.  even though we grew up in a privileged environment, our folks came from more humbler origins.  thrift passed on in this case.

clear thinking beyond the next 200 years requires strategies unfolding over long periods of time and thrift.  over-consumption and largess drag down intergenerational legacy aspirations. 

d) green lawn aspirations

when you have 1 billion plus people without clean water, how can you justify watering your lawn in a desert ecosystem?  mass affluence deceives social responsibility and negates the individual within the entire context of human good.  you cannot remain free or healthy while your overseas brethren perish from war, slavery, and waterborne diseases.

our water issue has remained an intractable issue since humanity moved into the river valleys 10,000 years ago.  we retell the story on different stages and in different settings, with similar actors.

how to build love + trust + abundance? 

my alma mater tulane university says, "not for one's own but for one's self," on its seal.  our motto makes sense expanding your own psyche to the collective conscious and subconscious experience.  overconsumption patterns do not fit into our perfectly aligned positive mentality. 

why purchase bottled water when you can purchase or lease reverse osmosis?  the reserve osmosis water remains consistently more clean than bottled municipal water.  plus, you get to meet the fellow who services your home or office reverse osmosis system. 

we can achieve love + trust + abundance by uplifting ourselves with education, healthcare, and necessary technological change; however, we cannot build anything in a nasty, brutish zero-sum game environment.

our focus should remain on each other as people and treat people as noble ends in themselves.

collegiate + custom-tailored internship program

hello clients, prospective clients, and business alliance members.  you probably hear much about succession planning and blueprinting your exit strategy.  keep listening because it always remains a wise investment.

in mendez & co. financial counselors, we have begun a collegiate + custom-tailored internship program.  the collegiate definition gives away the idea, but how many college internships can you consider customizable?  our internships have a hand in their own development from day one, destroying command and control business ethos. 

we discuss our psychological profile.  our current intern, ilia dolaptchiev, has a general jungian typology istj, the examiner, but my typology revolves around enfp, the visionary.  we balance our strategic and tactical activities with our complimentary, natural psychological profiles.

...and yes, it takes patience and hard work on both sides.

psychological matches will become more difficult as our independent practice builds upon its human capital; however, instituting consistent practices with our collective ethos will ensure sustainable organizational development, value creation, and impact opportunities. 

our internship program fits directly into boosting our overall independent practice enterprise value.  our human capital investment serves as a foundational piece with our efficient fee-based consultative revenue model.  combining the two processes creates significant synergy and value.

consultative fees remain our target revenue source since the client acquisition process involves deeper human relationships on trust and confidence.  focusing on obtaining retainer based fee income creates a deeper client bond, in my professional opinion, relative to transactional income.  transactional income can create unusual behavior and reputation losses because participants can place profits over multi-generational human relationships.    

we could argue about the revenue model all day, but without question, our clients like it and have begun to expect it.  our model allows easier cash flow present value calculations to vet out enterprise value.  building multi-generational human relationships requires judicious, consistent care.

earning planning certifications and additional licensure would create additional cash flow opportunities, where otherwise not billable; moreover, valuation will help an additional principal value his stake and purchase ownership interests.

as the business model evolves, its revenue model will maintain a balanced mix of fixed and variable revenue sources.  the business model choice though will maintain human capital by focusing on people, planet, and profits.  profits come last.

you cannot ignore profit but why compromise enduring value with unsustainable shortcuts?  your collective mental profit will drive the process behind blueprinting your exit strategy, envisioning your legacy, and your designing your pension.  unscrupulous means do not justify noble ends.

both eastern and western histories have shown that a short-sighted profit agenda results in shorter civilization shelf-life.  we must measure our progress against our collective history over the last 10,000 years, when we began gathering around fresh water fertility.  our current human civilizations remain on a collision course with fresh water depletion, population growth, and personal vanity.

looking at the hardworking medieval merchant class serves as fantastic proxy.  during the 1500's, the world endured rapid technological change, chaotic social upheaval, and massive killings through disease and war.  we remain on the cusp of something fantastic and absolutely so fulfilling, but only with a similar multi-generational legacy approach.

when you can work alongside your own employee partners and tap together your collective mind, you create human capital energy.  well-honed, creative, independent-minded energy remains elusive, intangible, and always for sale.  its implicit value far exceeds resource and financial capital due to infinitely valuable options.

our independent exit strategy + legacy + pension practice instructs our collegiate interns to maintain the following core principles:

a) social entrepreneurship

we operate our consultative practice with an independent mindset imbued with social entrepreneurship.  if you have never heard of the concept or need more insight, check out this foundation's website:

http://www.skollfoundation.org/approach/

our organization does not financially support or receive any compensation from this foundation or the linked website's legal owners.  they have a good idea though.

b) mobile entrepreneurship

our independent mindset embraces mobile entrepreneurship.  our rapidly evolving business environment with nimble technology applications facilitates international commerce on a scale not seen for many, many years.  we can balance people, planet, and yes, profits this time around.

locking yourself into one geographic or linguistic environ confines your business enterprise impact and your mindset.  a prior recorded thought nails the concept well:

http://menco-finco.blogspot.com/2012/03/truly-global-client-experience.html

c) decentralized structure

my prior experience prevents me from practicing command and control military governance over business affairs.  we have daily 360 degree reviews between principal and intern, and yes, sometimes you hear things that you would rather avoid.  a nimble player keeps positive energy and dialogue going, achieving breakthroughs not dreamed up yet. 

interns can earn up to 10% on new retainers without any additional servicing or clawbacks.  we mutually agree on the bonus rate during internship since it remains a practice line item off the top.  our focus remains consultative driven with a multi-generational approach.

nimble human capital management requires quick action and deep preparation.  we do not allocate our human + financial capital resources to positions not involved in revenue generation.  why create a bureaucratic organization with cronies, goombas, and rude free loaders?

thank you ilia dolaptchiev for your ambition, your efficiency, your courtesy, and most importantly, putting up with my boundless personality. 

long term care misinformation from npr

hello clients, prospective clients, and business alliance members.  scanning legitimate and worthwhile email blasts periodically yields valuable information; however, you may occasionally find blasts from credible sources that provide misinformation upon further research.

national public radio (npr) recently published a piece on may 8, 2012, called, "long-term-care insurance: who needs it?"  the author, marilyn geewax, rhetorically asks an ironic question, and ultimately, lets down her target readers with misinformation.  she has perpetuated common myths about private long term care insurance, scaring away target readers who have the most to lose.

npr's target listening and viewing demographic includes the following attributes, according to its 2009 national audience insight and research:

• the median age hovers around age 50
• the median household income exceeds 80,000, well above the national average of 55,000
• 65% of listeners have a bachelor's degree, compared to the national average of 25%
• listeners are three times more likely to hold a graduate degree

it appears unusual to begin the piece with such a bold statement, considering the baby boomers' future uninsured healthcare liability exposure.  most long term care insurance experts predict that many americans over the age 65 will require long term care.  insurance industry and government statistics consistently point out that between 60% to 70% will need long term care.

her readership group stands to benefit most from private long term care insurance and has the most to lose considering its relative affluence; moreover, longer lifespans for those sandwich generation members around age 45 will more than likely exceed the age 65 cohort.  so, why misinform your readership about a critically vital topic facing massive uninsured healthcare expenses from longevity and aging?

the following excerpts highlight misinformation:

a) long term care insurance costs too much

ms. geewax diligently provides sample premium based policy information with standard options, such as benefit pool, health rating, age, etc.  premium based policies generally fit individuals who invest in coverage at an early age and have consistently strong cash flow; however, consumers can choose annuity or life insurance based long term care, not just premium based, solutions. 

unfortunately, she misses two highly critical long term care solutions that offer consumers valuable choices.  you can explore learning more about long term care combination solutions here:
 
http://www.lifehealthpro.com/2010/01/25/the-pension-protection-act-and-long-term-care-insu

her readership would stand to benefit from knowing this information, rather than thinking that all solutions revolve around premium based policies; moreover, you do not have use or lose your long term care benefits with a long term care combination solution.  your unused benefits remain wrapped up in a financial instrument with residual cash value, creating future legacy or pension opportunities.

b) long term care insurance is cheaper when you sign up by age 60

her statement clearly does not make sense since most insurance carriers will begin considering consumers around age 40.  why put off the decision when you should begin considering it much earlier in your retirement planning years?  consumers will obtain more favorable benefits when younger and healthier rather than seeking out coverage when approaching peak claim years.  

an individual approaching age 60 should consider supplementing existing coverage with a combination solution, rather than a premium based solution; conversely, you should consider a premium based solution much earlier than age 60.  your combination solutions work when you can reallocate your savings with larger single premium investments.

how can she discuss the age question intelligently when she does not consider long term care combination solutions?

c) long term care insurance covers various disabilities

long term care insurance carriers will pay claims generally based on cognitive or physical impairment.  ms. geewax did not even bother to address the physical impairment by its correct name, your assisted daily living (adl) activities.  your adl activities include bathing, continence, dressing, eating, toileting, and transferring. 

you must generally have cognitive impairment or an inability to manage two out of six adl activities to receive benefits.  most carriers will not pay benefits without meeting that criteria, and they do not call the adl activities definition, "various disabilities."

you can explore learning more about your adl activities here:

http://www.seniorhomes.com/p/activities-of-daily-living/

d) long term care policies are capped off at three years

once again, her position remains incorrect.  insurance carriers will provide you with lifetime benefits, provided that you pay additional periodic or single premiums.

for instance, a client had an option to purchase lifetime coverage through a single premium life insurance policy.  her proposed 82,000 single life insurance premium would provide 3,426 per month for 50 months; however, an additional upfront 5,000 premium would continue benefits beyond 4 years indefinitely, managing an unusually long stay.

not too bad for an 87,000 investment, far exceeding the "standard" three years!

npr should have considered the entire long term care insurance spectrum, rather than perpetuating stale myths.  its target market deserves better editorial financial advice.

...special thank you to ilia dolaptchiev, our summer intern, for proofing and criticizing this critical piece.  he definitely earned his keep today!

your user-defined client experience

hello clients, prospective clients, and business alliance members.  humans generally strive to enjoy life through mutual respect, understanding, interpersonal relationships, and community cohesiveness.  when searching for an advisor, you should seek out independent mindsets providing a user-defined client experience.

pursue a qualitatively measurable experience that makes you feel emotionally fulfilled yet also accomplishes your objectives.  some professional commentators may say that you should solely concern yourself with just asset yield; however, you deserve emotionally connected concierge service that makes you feel valued with your own human and financial capital.

how can you seek out a pleasurable client / provider experience that provides quality measurable results?  breaking your search down into components will leverage your choosing experience. 

first and foremost, you should clearly have a hand in your experience's design.  your advisory provider must either create or provide you with a malleable concierge client ecosystem.  the service provider should consider the following suggestions:

a) invite your clients within your professional hosting + email system

valued clients should have real time access to their retainer hour balances, their meeting notes, and all important recorded information.  complete information transparency and symmetry will alleviate misunderstanding and boost overall relationship productivity.  imagine editing notes to provide more clarity and understanding as well as type in suggested ideas.

your clients should also have their own email address within your system.  keeping emails within the same email server exchange will provide tight system architectural integrity.  you can balance security as desired in this area without defeating concierge service expectations.

you may also think about building your most profitable relationships with their own website address in your webpage.  this service may appear excessive, but your decision depends on how much you value the relationship above and beyond financial investment.

your investment will reap dividends beyond your primary relationships through building your reputation capital.  reputation capital management drives our future.

b) invite your clients within your seminar space and media production

your clients drive your reputation capital process, so you should embrace the capital management process with their time and talents.  directing and coordinating their energy with your organizational energy and your ambition provides meaningful purpose. 

imagine inviting valuable clients to a local seminar addressing prospective client needs.  you can directly control your presentation style, knowledge, and demeanor; but, your clients may also create emotional connections with your prospective clients, reinforcing your reputation capital.

you could also co-publish blog entries with valuable clients and tie them not only into online testimonials but into future search results.  as an example, you could work out an amenable arrangement with a client whose primary industry involves your target market.  your client's professional network will begin creating a mental association with your client and a user-defined client experience through search engines. 

search engines have become our collective mental imagery assimilator.  use it wisely and create a meaningful emotional connection!

c) create an open-source smartphone application

depending on your user-defined client experience ambitions, you could enhance your service platform with an open-source smartphone application.  your user-defined client experience does not have to stop at geographic borders.  finding an existing program may help in the short run but denies a sustainable custom tailored client experience. 

how may you build an open-source smartphone application?  why would you build one?  you may have additional prudent questions, but we can narrow down our discussion to those two.

building your own independent practice's smartphone application will require connecting with programming talent.  you do not need to fund it all with your funding if you do not mind sharing architectural resources; most importantly, enterprising programming clients may share your vision in providing a meaningful, disruptive technology platform.

you would build your own open-source smartphone application to control your user-defined client experience.  relegating your client's experience to existing technology platforms compromises sustainable user-definition.  imagine your brand equity possibilities!

d) build a non-employer pension plan

pension plans must constantly balance future asset / liability responsibilities.  traditionally, this concept has revolved around employer-based environments, showing obvious deficiencies for the entrepreneurial merchant class.  why do you have to work for a bureaucracy to manage your future income and healthcare expenses?

imagine creating a pension trust fund that addresses outliving income and uninsured healthcare expenses without requiring employer participation.  many pensions manage the income aspect relatively well; however, few pension funds have desired to take on managing the uninsured healthcare expenses, which remains shameful. 

for instance, employer group medical insurance currently covers maternity care while individual plan participants lack this critical coverage.  mothers will continue bringing our children into this consciousness, and we must protect ourselves from healthcare exclusion.  we can play that game though and succeed triumphantly!

since the medical insurance industry provides rich group protection, marginalizing the individual plan, you should team up with your clients.  your clients and you have your own needs, and with proper examination, you will find similar challenges.  why not approach your collective challenges together and create a purchasing cooperative?

the purchasing cooperative based on mutual interest and need will drive the medical insurance market soon.  your advisory practice should adjust tack or force a new one within your own control.

our future commercial endeavors will involve technological improvement constantly pushing the client experience envelope.  your independent practice should participate in the disruption if it improves your client's user-defined concierge experience. 

you can count on my professional judgment, my resource access, and my practical counsel.  enjoy a meaningful day!

business exit strategy = creating liquidity events

hello clients, prospective clients, and business alliance members.  many individuals know that owning and operating a business entails significant emotional, psychological, and financial risk exposure but clearly offers profound upside.  entrepreneurs whom triumph accomplish a feat that most people do not do in a lifetime: not just one but many lifetimes.

savvy entrepreneurs put their human, resource, and financial capital at risk daily.  who desires eternally working away on the same project with so much at stake?  shrewd human capital creates multiple liquidity events from mental framing and perception as well as diversifying cash flows. 

...frame dialogue and perceive your enterprise's value to a financial instrument...set aside emotions...create value based on fundamental quantitative and qualitative asset-liability driven analysis....plow your liquidity events into enterprises with personal control...people, planet, profits...judiciously own the cash flow source...

with that idea in mind, why over-allocate your profit to a stock, a commodity market, or other financial instrument controlled by exogenous variables?  you should balance your asset / liability risk profile towards investments that create substantial value and permit more personal control.  these investments generally include personally invested projects. 

yes, we must all invest in financial instruments that do not always allow personal control; however, you can choose to create value with more personal control, rather than follow asset price trends.

a successful entrepreneur who declined to take on retainer services owns a printer service business.  she remained adamant that she did not want to rely on her business for retirement.  her viewpoint remains her own but did not recognize that her business serves her personal interests like any other financial instrument.

ironically, her business financial instrument serves her interests exclusively, rather than the stock market diet fed by her advisors.  she ultimately has no control over pfizer's business decisions, unless she purchases a large enough stake to warrant control.  we could do better looking elsewhere.

as a counter example, an entrepreneur client owns liquid petroleum working interests.  she liquidated profitable liquid petroleum properties and generated a significant liquidity event.  her liquidity event could finance diversification into natural gas mineral interests and more exciting investments.

she considered natural gas mineral rights' investments as a core investment.  the domestic natural gas boom has generated significant excess supply and has depressed commodity prices.  excess natural gas supply may potentially drive future energy production, possibly eclipsing liquid petroleum's current relevance.

when oil spikes from a pan-middle eastern conflict between america and china, technological innovators will act and create future opportunities.  technological innovators may capitalize on domestic american natural gas supply and create many new industry offshoots.  remember the whaling industry and the 1860's! 

the whaling industry thrived for many years but became obsolete to liquid petroleum in the 1860's almost overnight, supplanted by technological innovation.  it remains arrogant to think that the world will depend on liquid petroleum forever; moreover, that mindset forgets technological innovation and resulting technological obsolescence. 

her future investment road-map has potential hazards, but she can exercise control over her natural gas extraction and production process.  she feels confident about natural gas' future and also desires investing in converting unleaded gasoline vehicles to natural gas liquids.  the ultimate vision involves owning fueling stations that cater to vehicles running on liquid natural gas.

...she is a true vision carrier, but she does not stop there!

her business exit strategy will create not only future business opportunities but most critically create her family legacy and fund her pension.  she desires profitable investment projects that generate impact, not focused on the here and now.  we tirelessly work on extending her vision far beyond her own lifetime.

she desires to improve the quality and standard of human life through the following work projects:

a) a landlord realty fund

she has always held ambitions to buy and hold real estate that generates consistent cash flows.  managing real estate properties carries continuing maintenance investments, but who does not want to earn passive income?  this investment strategy will provide ownership opportunities for her great-great grandchildren and help fund her own pension.

her ultimate dream involves owning mixed-use properties that house organic grocery stores, advanced training schools, efficient apartments, and health clinics.  this dream will create a sense of community and generate tidy profits as well, if run ethically and maintained well.

b) a health insurance cooperative

she desires to obtain meaningful health insurance coverage without the obscenely inefficient and heartless bureaucratic health machines.  with her vision in place, we discuss strategies to invest a portion of her roth ira into a for-profit health insurance trust fund.  gathering additional investors takes effort, but who does not want to obtain health insurance coverage and control the process?

her efforts will also pay a bonus by creating coverage opportunities for trust participants.  her legacy will also have tax-free upside as well.

c) an urban garden based on community supported agriculture principles

her passionate idea about beginning an urban garden and establishing a community supported agriculture (csa) resonates well in our collective future.  many nonprofit organizations, private businesses, and local restaurants have begun taking an interest in her idea.  she joined up with several other friends and business allies, providing space, seed, and other critical inputs.

who does not want access to reliable, clean food and water?  this investment will positively impact many, many unborn generations if built with sustainability in mind. 

d) a local solar array

we have begun discussing an investment strategy that allocates roth ira proceeds into funding a local solar array.  the local solar array will not only provide cost effective, reliable, and consistent energy to adjoining households; most importantly, the grid will also power local businesses, the urban garden, and the csa storefront. 

who does not want to fund an electric utility and control its profits?  she can also potentially create a vast source of tax-free funding for her pension and beneficiaries down the road. 

conclusively, when you tie up emotional energy in a business enterprise, you may close off future options.  the entrepreneurial oil producer client could have easily said no to expanding her investment footprint and impact.  in fact, many do say no...as well as hell no and stick to just one plan.

however, when you can extricate emotions from your core enterprise, you have taken a step forward.  you should not rely on one business line in perpetuity with no ownership changes.  creating liquidity events amplifies your personal impact, your legacy, and your pension power. 

few clients desire working on one project until death.  taking into account humanity, clarity, and courage, we can embark as leaderless leaders and create a new destiny on our planet.

encourage a discussion with your tax and investment advisory team about some of these ideas.  talk to you all soon and enjoy a meaningful day!

your role as an individual within the broader community

hello clients, prospective clients, and business alliance members.  your role as an individual within our broader community remains sacrosanct but adherent to the next 200 generations.  we must respect human free will and facilitate real wealth opportunities for all.

...free from plutocratic goons and enforcers, fabricated wars, engineered financial panics, and rapacious tax and property thievery... 

we must unify our positive efforts, adapt our social-psychological consciousness, and create a more equitable economic reality.  creating equity does not require military force or building obtuse bureaucratic black-holes; rather, creating leaderless leaders with unforced social cohesion adjusts our economic reality. 

you may rightfully ask, how do you create leaderless leaders without forcing social cohesion and fighting collective mindsets?  you should carefully follow the anonymous social-psychological movement.  its wise critics would even venture that even the most tenacious, totalitarian secret police enforcers cannot find its leaderless leaders. 

why cannot secret policeman or its plutocratic backers knife the leaderless leaders or subdue its ideology?  based on 10,000 years ago of human civilization, many empires have come and gone through that time.  those empires have always over-relied on totalitarian policy and secret police enforcers, leading to their ultimate demise. 

many times, empires have become entangled with leaderless leaders, such as the romans trying to crush the christians and its jesus ideology.  christianity continues a long shelf-life and remains relevant far beyond the roman empire.  global plutocrats should heed the analogy!

look at the current crusade between the christians and their muslim brothers with its leading leaders.  both sides have remained locked in vicious combat over the last millennium with many engineered martyrs.  ironically, futilely, and yes, mind numbingly tragic, both brothers kill over shared paternal unconditional love and affection.

in that vein, the military- and prison-industrial complex must stop feeding death through religion and politics, veiling its greedy blood lust.  imperial warfare has always caused inflation and economic collapse, just ask the early kings shaving gold coins after roman gaul's collapse; moreover, it cruelly and continually murders our innocent children, our seeds.

you will always create a martyr when you silence someone over their belief system or desire conquest.  leaderless leaders do not need bloodshed on an altar.  reason and civility work fine, right?

although the club of rome appears associated with eugenics, a deplorable practice, it created an extremely thoughtful idea.  it states, "...economic planning for the future must take into account the carrying capacity of the planet."  social entrepreneurship affects consumption by focusing on people and planet rather than exclusively on profit.

why forward your 3.5% of net-profit, 10% of revenue, or even your taxes to fund reigns of terror and a politician's favorite military contractor?  we can stop fear through ethical commerce.

focusing your mind on people, planet, and profit, in that order, demands restraint and judicious actions. you must know not only how to reap but also how to sow.

remember the camel passing through a needle.  you have to stop seeking out profit since you cannot take it with you beyond this consciousness. 

creating elective healthcare and education cooperatives will satisfy our health and emotional well-being.  we must teach our children to think and feel empathy.  an antiquated industrial revolution mindset does not create an equitable economic reality! 

meditation and tapping into the collective unconsciousness will create vision carriers, ultimately true servant leaderless leaders.  how can our children navigate treachery without learning how to think and feel empathy?  we must teach them emotional intelligence, sustaining the role of your individual within a broader community. 

our collective demand involves improving human capital through releasing paternalistic control, adopting unfettered and transparent communication, and pouring salt over bureaucracy.  we must expand our networks and commercial connections beyond pure profit motive.

both enlightened western and eastern thought converge towards "live and let live" and "your rights end where mine begin..."  a person cannot truly connect with more advanced thinking when focused purely on a profit, something that demands unquestioning obedience.  unquestioning obedience that may demand actions beyond ethical reasoning...just ask the toddlers murdered by syrian troops and our collective soviet cold war legacy.

you must define and recreate your own reality not through some other person's dream but through your own dream.  remove an entitlement mentality, not within a narrow political sense, but across socioeconomic boundaries; most importantly, stop socializing risk and privatizing ill-gained profit.

we must create a production focus, not just taking and not based on uncivil consumption.  stop the fear and free our children!