humanity + clarity + courage

hello clients, prospective clients, and business alliance members.  do you actually own human capital?  how do you dutifully manage human capital in light of a perceived ownership stake?  who gave you unfettered economic, social, and political ownership over another person's life direction, dreams, and aspirations?

we have reached a profound shift within the fabric of our collective subconsciousness.  the mind below the surface within the nonlocal will begin influencing society beyond known scope.  a new society will sprout from our old society's necrotic toxic soup of souls.

mortar shells and drone missiles will no longer consume 2 year old intestines.  torture guards will no longer dissolve fictitious terrorists in battery acid.  corporations will no longer veil metastasized greed with high fructose corn syrup, gps tracking, or radioactive tobacco.

...listen to this song dubbed at infinitely separate 60 second increments...wild wild my friends..

a good friend of mine named john gabryel moreno, do, exemplified a true example of our collective future.  during raging cancerous illness, he complimented me on my wife and son as well as owning my own business, even after insulting his socioeconomic class in high school in a blind, psychologically intoxicated rage.  he did not know that my own business has its own uncomfortable financial debts, and he never lived to see kelly and me divorce over our own differences.

truth told, he far outpaced me in this conscious world up to his life's end.  he became a physician excelling in his residency by the age of 33.  you did well in this reality and into beyond john!

dropping old emotions off the bridge, we bonded during his death ceremony and discussed healing prayers said in my episcopal sanctuary.  felt a transcendentally warm energy flow coursing through my circulatory system while intently praying for his healing.  he thanked me, truly knowing that he absorbed my energy, and we made peace.  the kind of peace that passes all earthly understanding.

...he left this consciousness several months later.

did he really leave us as people dogmatically assume?  where did his soul energy go?  will it touch my great-great-great grandchildren's lives?  will he meet zoroaster, abraham, vedic scribes, jesus, and/or muhammad among the stars?  will he become a little girl or a dolphin born moments after his own body's death?  his energy is alive but unfortunately unaccounted for in our narrow way of examining the unknown.

john never left our universe.  you touched me with your energy and have begun awakening the gentler, more patient me.  that challenge will take much work my friend, but you proved it can happen under even the most pernicious and painful period in your life.

he transcended this current reality but has not left our collective subconsciousness.  no, not at all, his soul energy will continue to improve our own energy.  much like the young syrian 2yr old taken away by raining syrian artillery death, he will improve our substance if we listen to his energy.

we must forgive our fratricide and make this a much more peaceful world, into this life and into all the other lives.  the little syrian toddler's story will remain with me forever.

you can become an architect of your own life.  we must know how to not only reap but also how to sow, and yes, you can create profit in a non-zero sum game environment.  dog eat dog died with the industrial age and does not deserve its worshiped status within the information age mindset.

tribe walkers fund and absorb talent while creating centers of learning.  responsible, creative, and innovative minds not only believe in human capital but support it with investment dollars.

we have structural unemployment without spending investment dollars on human capital.  investing too heavily in resource and financial capital crushes the collective human ethos.  reallocate your investment into your own human capital potential.

ancient chinese wise men mull whether if you believe for one day and doubt for ten, or if you are diligent in the mornings and not at night, will you eventually veer from gradual development planting quality habits?  what habits do you define as quality?  how do you ascertain quality?  why seek quality?  who will pursue and perfect quality?

...setting up quality habits will remain a challenge.

send forth cleanliness in your soul energy.  improve your great-great-great-great-great grandchildren's souls with pure goodness that transcends consciousness.  your thoughts, language, energy, spirit, and mind always interact and participate in the universe's future reality.

implement the following concepts in your world to alter our collective future reality:

• create consumer free choice with open borders and geographically gnostic trade.  open borders facilitate trade and prosperity.  why do we usurp economic freedom with mercantilist barriers?  

• renounce greed and material wealth; as an example, your average large corporation executive in the 1950's usually made less than 50x's the managed employees.  please add at least one to two zeros on the old example and push it out as far as you can to another zero.  making 9,000 times your average managed employee supports criminal plutocratic interests. 

• warm up inter-tribal unit relations.  we cannot get much done with a democrat vs. republican or israeli vs. palestinian or persians vs. kurds mindset.  collective annihilation remains a turn off for my unborn great-great grandchildren and uproductive for us all.

• practice tolerance.  we do not have to elaborate more on this subject since tolerance requires acceptance and human love; however, both remain scarce in today's psychological wasteland.  you have to practice what you should preach about brotherly love, and it takes considerable work.  work that only you can accomplish supported by a cooperative, loving environment.  

• awaken your medieval belief in magic.  take note, you do not have to burn women alive or disfigure anyone.  science + magic + religion = transcendence.  just ask the abbot trithemius of sponheim.  carrying messages instantaneously...through the agency of the stars and planets who rule time.

• demand a gentler, much more personal environment.   loud noises, heavy industry, pollution, sterile food, water scarcity, and paramilitary police degrade human life.  why not tap common walking areas with mixed usage living and working space, common parks, light rail, plentiful and clean water, simple technology, and food cooperatives?  health + ambiance = wealth.  

• draw from the ancients.  we can remain light on our earth.  develop paddle wheels and implement mixed usage space that catches and collects water.  

• develop a home-schooling cooperative with a foundation in intellectual, artistic, athletic, and emotional development.  schooling has become a tool for plutocrats and fascists and has quite frankly become dangerous.  just ask people in pakistan and in connecticut.  we must teach kids how to think on their own and love learning through personal enrichment.  

• learn yourself through your spine.  channel your chakras, open your heart, and let the universe fill you with unspeakably beautiful energy.  tap into the nonlocal and mystical.

• institute a healthcare cooperative with community gardens, water collection, a food coop, meditation sanctuaries, preventative medical care, and naturopathic medicine.  we can improve our quality of life without overly focusing on pharmaceutical or robotic surgical mastery.  

• channel positive energy towards your clients and think good thoughts about them.  pouring your energy into your work will improve your emotional environment.  

...get started friends...let me know how it goes and enjoy my tweets.  

economic planning for 30 something echo boomers

hello clients, prospective clients, and business alliance members.  much intense financial service industry focus remains affixed on the baby boomer crowd and their aging parents; however, financial wellness professionals should begin building up echo boomer reserves and not just in the mundane and traditional 401(k) sense.  integrating health + financial wellness will optimize your lifestyle choice, and most plausibly, will improve your own personal and professional happiness prospects.

we should start out our discussion with the idea that our economic system has endured several structurally tectonic socioeconomic changes to say the least.  rapid immigration, absurdly low benchmark central bank rates, cybernetic units, unchecked corporate and plutocratic greed, chinese automatons, corporate amero-roman senators with personal lictors, and certainly, welcome technological change have all combined to unfortunately raise the structural unemployment dead; often, qualified people cannot find work meeting prior technical or experiential training.

any future recovery may not necessarily lift all boats evenly, and quite possibly, may amplify social unrest.  this situation sounds dire; however, you will capitalize on this time to retool your human capital and take some cover...

so, what will you control within your own world?  why trust a political economic system that sees human suffering as a necessary evil and as a justifiable means in the pursuit of massive personal fortunes or cheap, disposable goods?  who says you will fight the corrupt political economic system head on?  why not take a more forceful approach, shuck and jive, and leapfrog this consumption plague to your family's benefit over many, many generations?

you can do your part by considering the following tactics within your own intergenerational strategy:

a) invest in your own human capital

our structural unemployment system has created significant business opportunities within agriculture, textiles, and other goods /services taken for granted after the finance graduate boom.  you will finally have a chance to make something meaningful and valuable with your own hands as well as your intellect...about time...

for the record, my tulane finance studies blended with my liberal arts education has gone the distance.  it just did not teach me how to fix plumbing, how to braise a lamb shank, or how to skin a recently killed deer.  my wife says that my father failed me on that account; yeah right, try telling that to a white bearded, accolade-laden robotic gynecological surgeon.

too often, academia has overly emphasized intellect over practicality.  who wants to depend on food trucks getting to a sterile grocery store?  why hire someone to take a chance on your major household repair that ultimately you could do with family?  you will create your own family institute that will teach more than a book or a university professor.

learn to grow many different foods and prepare meals as if your last breath would leave any time after eating that meal.  create your own compost.  herd some sheep or goats with some chickens.

you do not have to follow the corporate academic system, leveraging your future against a nebulous degree that may or may not pay off; if you just desire money over all pursuits, you do not need quite as much formal business education as you may presume.  many successful entrepreneurs have achieved that time and again; however, you should avoid worshiping money like a god since even successful entrepreneurs who worship money and manipulate human capital as means to an end will always remain immoral.

life remains more important than just "making money."  our organized academic systems should at a minimum set the stage for teaching the more nuanced skill sets, such as emotional wellness and empathy.  the current academic system does not emphasize emotional intelligence, which remains its weakest component.  it sadly and absurdly shapes its entire agenda around donors, football ratings, and tuition cash money.

improving your emotional wellness will catalyze massive sea changes in your mindset.  you will sharpen your symbolic logic, take up yoga, tap the nonlocal, and yes, get out of your comfort zone.

...relax and slow down....you will shape your new reality tunnel.

b) set aside balanced financial capital

a balanced asset / liability management approach will quantify and immunize your unknown commercial and personal liabilities.  do not get too dazzled with asset driven modeling scenarios with ambiguous capital market sideswipes and broadsides.  you do not have to take on as much credit risk as you would think to design a robust pension.  if you do not know about this topic, you can call me, and we can talk about it.

rigorous pension design builds cash reserves and creates off-balance sheet assets.  cash reserves remain easily quantifiable with fancy retirement calculators and supposedly perpetual stock market growth. look beyond the hype to not get caught in the hypnosis.

off-balance sheet asset / liability management appears more elusive, not just psychologically, but in actual practice and design execution.  you will hire someone to work with you at this point, right?

judiciously invest your cash reserves and remain alert...your middle class stock market remains an illusion.  you will become chum for the shadow traders without constant attention in some risky, sure bet penny stock or high flier securities.  question hype.

rather than pour money into a home or a 401(k), which may or may not remain the most reliable household assets, you should consider broadening your pension base.  proper pension design requires a stable foundation, creates potential growth options, and deploys cost effective fail-safe mechanisms.  your foundation would include health savings money as well as stable non-qualified annuities with a liquid cash reserve and large credit lines.  maintain liquid cash reserves at 2.5 times your used overnight credit lines and adjust spending and/or investing based on consistent trends.

we will touch on human capital insurance, but as you can see, it helps to hire someone now...

invest in a roth ira or a roth 401(k).  you can get more traction with your roth 401(k) relative to a roth ira but both remain powerful tools with your traditional ira and 401(k).  check it out.  you definitely want a cash reserve in retirement from which to slip those late night dollars, to feed hungry and sick children, to buy your first yacht, or to pass on tax free to your heirs.  you make that choice.

our financial services industry takes a half-baked approach to uninsured healthcare expenses.  you must reverse that trend within your own life and not only set aside funds for today but also for tomorrow.  a future healthcare expense reserve will cover out of pocket costs from senior health insurance as well as senior custodial care.  you could estimate between 5,000 in out of pocket costs per year with at least 78,000 in custodial care per year in today's nominal dollars as a starting point.

liability management estimation remains nuanced and assumption driven relevant to a client's particular situation; however, embrace the ambiguity and get to work!

c) teach your children and yourself how to start your own family business

you will stop working for other people.  do it at least once, and you will see...you will try it.  you will love it...

you will begin investing in quality projects, expand your interpersonal network and contacts, and integrate a nexus between your personal interests and your profit centers.  build an enterprise beyond your family's governing capacity and sell mezzanine debenture interests.

business owners create wealth when retaining meaningful company ownership while extracting financial capital from properly executed financing rounds.  your best situation will revolve around getting a large upfront payout with perpetual cash residuals.  blueprint your own exit strategy.

your legacy will live on...you will place the perpetual cash residuals into your dynasty trust.  perpetual financial capital will finance many generations' productive professional endeavors.

d) own your own mixed-usage rental property

why not live within the same building or building complex with light-commercial tenants, apartment residential tenants, grocery stores, nightclubs, and/or delis?  mixed usage real estate remains economically vibrant and sustainable since both residential and commercial market performance do not necessarily correlate statistically.  

for instance, you may have a high tech manufacturing industry boom soaking up commercial space while residential tenancy could hurt from a school district laying off many teachers.  your vacancy would more than likely fill with commercial tenants needing space for employees.  you could also have a tavern that will serve drinks boom or bust.

quality commercial tenants will also attract grocery stores, culinary artisans, or delis.  your neighborhood quality of life will not benefit from another fast food grease pit.  you will dedicate urban space as a growing space to fill your dinner tables with wholesome food.

e) get your human capital insurance priorities in order

people younger than age 50 will probably endure a disability or illness rather than unexpected death.  your human capital's productivity demands disability insurance; as a business owner, you will consider overhead disability as well as a buy-sell disability insurance plan with key partners.  you can do the same with life insurance, a most productive and efficient off-balance sheet asset.

most baby boomers have homeowner's insurance while few own long term care insurance.  do people care more about homes or their own human capital?  our society focuses so much on the homeowner wet dream to the exclusion of discussing the more mundane but dreadfully more important personal and corporate liabilities.  invest your dollars in yourself rather than some consumption good.

you will invest financial capital into non-cancellable long term disability and permanent life insurance with long term care benefit riders.  this combination will complement your pension design efforts when properly designed by your own retained financial counselor.  you can start investing in permanent life insurance with long term care benefits under age 40 now, even as low as age 3.

f) create your own legacy

you will leave financial, resource, and human capital aside for the next generation.  avoid taking the mindset that this process only revolves around financial capital.

human capital will prevail over financial and resource capital.  who runs the matrix, huh?

the great fear

hello clients, prospective clients, and business alliance members.  many people bemoan president obama's political win and much hand-wringing words stream through our media services.  listening to npr and wtul new orleans this morning highlighted that according to npr: a) obama does not have a mandate compared to bush, and (b) cokie roberts said that obama needs to court mitt romney's core constituency, a slowly winnowing population with its own agenda, relative to the remaining population.

fact: american demographics have begun aggregating in geographic regions within the united states, and marijuana and gay marriage remain a non-issue in many parts of the country; however, the "moral majority" thinks otherwise, believing that they alone have a right into your bedroom and into your life.

unfortunately, the smaller government crowd within the conservative party will not exclude the military and county paramilitary forces with its legions of private military contractors.  why retain enforcers when voters approved behavior that has shown nominal social harm?  when will state rights' powers remain consistent within political dialogue?  how can you compare actual human slavery to smoking a joint as a state rights' issue?

who cares about disproportionate imprisonment of black and hispanics for similar marijuana possession charges as white americans?  have we created slavery by another name with this drug enforcement architecture?

the banking industry, weapons manufacturers, hedge funds, mexican cartels, freelance human traffickers, drug runners, private prisons, and american paramilitary enforcement agencies remain above the law.  why not stop the charade by legalizing marijuana?  just ask colorado and washington!

why have a media outlet crown your mandate, when the people have spoken and handed mitt romney back to his constituents?  general mandate appears obvious.  think about all the super pac money well spent when we have starving children, monstrous killing in foreign hot flash points, and rising seas; surely, we can spend our money more wisely, or not.

president obama will continue the massive killing overseas and work his best to keep the angry hordes off our shores while enriching the ultra-rich and disenfranchising the poor; even if you do not believe that statement, just know he only has four years left physically and maybe ten years ideologically.  he can only do so much during that time.

too bad the pentagon does not remember the roman empire days.  why would you arm the afghanis, or any other auxiliary military force with a competing agenda, after helping create the osama bin laden mythology?  have the custom made late 1970's and early 1980's stinger military hardware not killed enough americans?  some bright-eyed, saggy cheeked pentagon child desired training the afghani security forces, similarly to los zetas trained on my tax dollars at the school of the americas.

to the pentagon and its usury-, military- and prision-industrial complex vampires, you did not ask my permission to conduct morally loose escapades.  also, why do you never pick up the tab?  our relationship needs more appropriate consideration with less self-aggrandizement from your part; hopefully, we can create some transparency in exchange for my tax dollars.

opaque operations aimed at killing people does not interest me.  so, did we really win with obama?

natural gas conversion kits

hello clients, prospective clients, and business alliance members.  our global energy complex sits on the verge of a cambrian explosion.  we will leave our industrial age cocoon and shed its poisonously greedy mindset.

the rapidly evolving natural gas industry remains an incredibly profitable long term play; sure, henry hub natural gas prices remain depressed relative to liquid petroleum.  you might as well look at the long term futures market for a clue about the market's perception about future prices.  prices do not materially rise until 2020 and then peter off in 2022.  what?  that perception does not make sense considering its sheer abundance among many, many multi-faceted extraction environments.

...necesitamos un mentalidad contrarian mis amigos...

remember the whale oil tale back in the 1850's and 1860's.  liquid petroleum eclipsed whale oil technology as supreme within a decade.  since our world moves much faster than it did back in the 1860's, you may as well compress a substitute good replacement time-frame.  imagine the plausibility behind natural gas eclipsing liquid petroleum as a travel fuel source; without naming names, some energy companies remain so committed to liquid petroleum that it makes you wonder, "who benefits from a divided, conflicted, and tumultuous middle east, and why?"  who will come out and meaningfully calculate the middle eastern death premium in liquid petroleum?  why double down on suffering?

natural gas does not just have to come out of a permian rock or mid-continent mountain formation.  it can come from overflowing landfills, sewage systems, and cooperative animal husbandry...we do not have to just rely on fossil fuel natural gas; in fact, we should capture the natural gas fissures already provided by the earth, such as in undersea environments.  the fossil fuel natural gas industry must evolve beyond its industrial age mindset, evolve, and cooperatively benefit our entire global humanity, or step aside; if not, it will probably meet a similar demise as its liquid petroleum cousin.

who will consider distributing liquid natural gas as an alternative to gasoline?  gasoline vehicles can drive on liquid natural gas with a minor conversion process; sure, you must invest significant money into the process, which could run on the order of 6,000 to 10,000.  you probably invest in worthwhile things anyway, so why would it become a leap of faith to use your financial resources to tap an abundant resource?

as a business opportunity, why not invest in the conversion and lease out vehicles within an urban environment?  who needs a personal car anyway?  that lifestyle remains way overrated by marketing hipsters and saggy cheeked global megacorporate executives.

humans will always create some waste and will demand energy.  why not recycle the energy sources?  we can do better than the status quo.  more consumers within the conversion kit market will drive down its prices.  its market will innovate towards efficiency and effectiveness, since you can burn nearly all natural gasses cleanly with well executed exhaust scrubbing systems.

let us quickly examine a natural gas conversion kit system.  you not only provide conversion maintenance service onsite, but you also begin reselling a few natural gas vehicles for profit within the same building.  housing a liquid natural gas filling station will create vehicular traffic and enable more repeat business.

as an added bonus, your participation within the filling station client membership automatically comps you a personal lounge and discounted use of the facility's tavern.  an austrian beerhouse with mexican polka would probably fit the bill in my case, but you can always choose an equally appropriate theme.

so, why not engineer and sell natural gas conversion kits?  who will ride the next technology wave and become the next sir richard branson?  

let me know what you think about the idea...more to follow.  enjoy a meaningful weekend!

an uninformed plutocrat...

good morning clients, prospective clients, and business alliance members.  meeting with a friend the other day, american political babble ultimately came up.  we disagreed somewhat.

the "close" election this year begets scrutiny, considering that the american public considers only having two candidates a contest.  why do we only have to choose between a blue tie and a red tie while ignoring any other legitimate tie?  the two party system does not effectively serve our collective interests.  it thrives on obtuse duality and inane dialogue.

you could claim that this inanity exists because over $2.00 billion will be spent during this election cycle; however, ask yourself the following questions:

• where else could we spend this money other than trying to pad our own exclusionary interests by using taxation as a weapon of mass enrichment and social control to keep people in check?

• why create and support an impolite zero-sum game intended to divide and conquer demographics with rigged political and socioeconomic competition?

• who will tear down the broken political, social, and economic system and buck up to its enforcers by playing and subverting the system's bankrupt values?

• how will we change our hyper-competitive, greedy mindset?

• when does change matter? [almost sounds like a slogan!]

• what impact can you make on improving conditions for the common good?

my over-privileged friend considers voting for gary johnson, the libertarian candidate, a vote for president obama.  he gravely underestimates the libertarian party and its believers and also slanders the american voting process.  who says that you must only vote on two choices?  why create anxiety that your vote is a wasted vote?  talk about scripted psychological abuse.  thank you news outlets and its democratic and republican dogmatic interests.

he remains uninformed and watches entirely too much fox news inebriated with an ax to grind.  his right-wing views obscure the mayhem behind our failed palestinian occupation policy in israel and our imperial economic mercantilism.  america should unwind its predatory foreign policy over the next 200 years, not only over the next 4 years.  we cannot stop too soon, but why continue feeding the fire elsewhere, such as the shift from the middle east to the pacific rim?

my family socioeconomic experience centered around medicine, education, and upper middle class privilege; however, my folks did not come from privilege, and my father immigrated from mexico.  the democratic party remained my personal choice for many years.  our hard working merchant class values, our social conscience, our collective immigration mindset, and our episcopal faith steered me away from the republican party and its unequal social control, its behavioral dogma, its corrupt regulatory policies, and its xenophobia.

for the record, the democratic party has abandoned my own values.  it continues our country's ill-fated drug war while continuing a brutal and senseless middle eastern policy.  the drum wars beating towards pacific rim military escapades will only end in more bloodshed and death.  military contractors and money center speculators will profit from this engagement, not moral people.

let us think critically about military conflict with china.  seeing goosestepping chinese does not scare me; on the contrary, nationalistic pride swells in me, guttural hatred courses through my veins, and my body gets tingly with goosebumps.  they would truly meet the might of the american militia, as like minded heroes gather in the rockies, the appalachians, and the texas hill country.  why create that carnage?

my mother's austrian forefathers put the french to the bayonet at waterloo and fought valiantly in both 20th century world wars; more recently, my father's mexican grandparents joined our northern chihuahuan brethren against plutocratic tyranny during the mexican revolution.  fighting courses through my veins and does not need to come out unnecessarily.

do not recommend a military campaign...we would not fight the chinese in this engagement over 4 years.  my great-great-great grandchildren will continue the bloodshed if we truly engage with china, much less iran, militarily.  creating that reality and profiting from death will always remain immoral; moreover, we would fight civilizations dating back to the time period when humans began streaming into river valleys 10,000 years ago.  the institutional memory lasts many centuries in those worlds.

enjoy the fact that people can vote; more importantly, demand more choices than two regarding our american domestic and foreign policy.  we can achieve much but cannot do much with a cleaved, negative duality unwilling to cooperate for the common good.

just walk away and disengage from the uninformed plutocrat...

community health savings trust fund

hello clients, prospective clients, and business alliance members.  after expounding deep thought over the last blogpost, we must further probe a critical statement:

let global citizens rise up on their own and take care of their elderly and disabled citizenry through privately organized, transparent, and ethical pension cooperatives. 

organized human society has made considerable progress with developing and implementing pension ecosystems over the years; moreover, historians trace back the pension's lineage to the medieval western experience with many historical cycles.  check out the london-based pensions archive trust's website on medieval pensions [search out the pension employed by king charles ii for barbara palmer aka lady castlemain, his beloved mistress].  a safe link dated 10/25/2012 providing access: http://www.pensionsarchive.org/84/.
 

pensions have always served to accomplish two human desires: a) prevent outliving income and b) satisfy uninsured healthcare expenses.  highly effective pension design integrates asset returns with nimble strategic liability management.  liabilities run the gamut from income taxes to inadequate non-healthcare related expense coverage to protracted hospitalization due to accidental trauma.

our current pension system heavily focuses on asset returns and taxes while begrudgingly and clumsily managing future cash flow consistency and healthcare financing.  acknowledging this flaw helps push the pension design process envelope.

pension design must balance personal asset / liability management with voluntarily pooled social resources.  imbalanced management processes do not work well, especially with involuntarily pooled social resources and ethically bankrupt accountability systems.

we must coordinate cooperatively to develop a voluntary community health savings fund system. 

the voluntary community ecosystem would uniquely serve as an individual's pension without needing federal government largesse or a fickle employer model; but, you may ask, "who will provide the infrastructure supporting your so-called brave new pension system?"

other questions come to mind as well:

• what is effective, ineffective, and just plain wrong with the pension status quo?

• how can we fundamentally summon a collective tidal wave against unequal economic, social, and political justice meted out by corrupt washington and brussels technocrats and their intergalactic financier syndicates? 

• why should anyone care about the helpless and the weak?

• where can we draw a line between inequity and passive acceptance?

• when will pension systems rely on freelancing professionals or cooperative neighborhood communities as core funding sources?  

consider building our foundational financial capital around a health savings account system.

individuals, families, and companies whom consume high deductible medical plan banking services tend to understand liability management and cash reserve creation.  a voluntary robust savings system creates a fundamental cash reservoir against future unexpected healthcare expenses; as a positive but unnecessary federal government incentive, people over age 65 can withdraw funds without incurring a non-medical penalty.

...your income tax implications remain relative to your own taxpayer situation.  please consult with a cpa if in doubt or call me so we can find a suitable one together.  you should never hesitate against hiring competent independent financial contractors as necessary.  consider mine.

financial managers seeking a robust funding source would target hsa funding as a core funding source beyond initial capitalization.  using or not using the federal reserve system should remain the community's choice.  the fdic, the ncua, and its morally hazardous ways have no moral high point.

our beautifully unaccountable central banking system underscores our pension woes.  a classic capitalist moral hazard plays out time and again.  zombie companies do not provide a solid foundation, and also incidentally, do not fit into a capitalist system.  they fit more cleanly within a rapacious plutocracy.

envisioning and blueprinting your community health savings trust, you should focus on the core elements of a pension cooperative:

a) unlimited private party designation choices

the american business and government pension crisis underscores how poorly multicultural, ultra-competitive societies coordinate significantly complex social dynamics, such as facilitating personal pension growth.  why do you need a certain tax code number linked up with a certain corporate legal body?  the intentional incoherence behind the pension delivery channel only keeps certain professionals in business.

we must dismantle our overly restrictive bureaucratic framework.  from disassembling unaccountable, pyramidal pension frameworks, we must empower private pension cooperatives.  other than outright social control, why should our federal or state system have so much control over private dollars concerning your own private, personal matters?

why do we have to fight over government money and use arbitrary taxation as a political weapon of mass deprivation?  taxation has become a political weapon of mass enrichment for a select few.  it facilitates a brutal zero sum game worthy of sun tzu, who would probably still blush at its rapacity. 

when will we have the ability to roll out our social security money into our own traditional ira or take a check?  how about rolling my medicare into my own health savings account?

you can create your own social safety net with your own needs in mind...imagine offering yourself a pension with current benefits that make sense to you...we can achieve it.

b) unequivocally transparent

many people outside the financial services industry world maintain disdain over the industry.  we have growing hordes of financiers, greasy politicos, and robotic technocrats seeking absolute riches at the least dollar cost to them.  socially engineering society's safety net around socializing risk and privatizing profits clearly does not benefit all stakeholders.

please take a look at the fannie mae criminal prosecution dismissal posting [safe link on 10/25/2012]:

http://www.bloomberg.com/news/2012-09-20/ex-fannie-mae-chief-raines-dismissed-from-securities-suit.html

why did the judicial system not let the pinnacle element within the criminal mortgage ripoff at least get a complete trial?  our unaccountable financial system players, such as fannie mae and the federal reserve, remain an economic impediment, hobbling a properly functioning financial system.  this strategy does not build up confidence in a pension ecosystem demanding fiduciary care.

to all "greed is good" schmoes and common thieves, cheating does not equal success or even a place in our meritocracy.  if greed is truly acceptable in your opinion, consider ethics courses as well as yoga, meditation, and possibly psychoanalysis.  let me know how it goes, especially the byzantine psychoanalysis. 

core pension assumptions revolve around longevity, morbidity, money rates, asset rate of return, liability growth rates, and future claims estimation; unfortunately, actuaries remain shrouded within the wizard's palatial hut, cranking out esoteric math while chiefing away day by day.

financial wizardry does not calm the nerves and barely begets trust.  we must simplify the assumptions and discuss them openly.  transparency breeds ethically balanced success.

your pension ecosystem must operate in a decentralized organizational environment.  all employed workers, including senior management, must have 360 reviews and post all compensation online.  if senior management has a problem revealing compensation relative to fellow "rank and file" workers, why?  where do think union organization aspirations come from?  how can you engender a positive working environment that efficiently and effectively addresses its purpose without relying on an industrial age resource capital mindset?

health savings accounts and long term care insurance serve as a solid foundation behind a robust pension scheme.  you cannot adequately manage your assets and liabilities focusing on wall street's mantras.  asset return alone will not help you manage outliving your income and paying uninsured healthcare expenses.

allocate towards your off-balance sheet liabilities...prepare against health decline and dementia mentally, psychologically, physically, spiritually, and yes, financially. 

well taken care of...who knows without asking her?

c) unabashedly ethical

the organizing financiers behind governmental and employer pensions have absconded on integrity, and ethical principles have fallen by the wayside.  we have become beholden to crooks and predatory profiteers hiding behind personal nothingness.

the social security and corporate pension crisis has unfolded not since our prior few presidents but over the last 50 years.  we have fallen asleep on our core asset / liability management assumptions.

getting above average financial capital returns at any price became desirable beyond the initial intention behind the pension system.  remember the pension raider talk behind a hostile corporate takeover during "wall street," yes - the original one, for the pension cash.

when did the pension side of ford motor, ancient airlines, or general motors hold strategic sessions with the senior management system backstopping their non-executive employer-based pension system?  even if the pension team had a major role, they must have absconded on their fiduciary role when doubling down on gas guzzlers with low gasoline prices.  did they not see that gasoline prices would not stay low forever based on prior price and volume volatility?

excluding maternity care within any medical plan will always remain unethical.  why does a insurance carrier or a government setup a major disincentive to a growing family with individual medical insurance?  who gave them the fundamental right to warp and manipulate human social patterns?

...apparently, you must work in a corporation or own a corporation to get adequate medical coverage and beget children.

thank you washington and brussels for enabling a corrupt, morally bankrupt zombie banking and corporate system.  my great-great-great granddaughter appreciates it.  who will join me and others against this morally bankrupt financial corruption?

stop participating in their house first and foremost.

d) adamantly original

modern financial + health wellness programs manage not only major medical care but also address mental, physical, spiritual, and psychological concerns.  pure yoga activities, gym benefits, swim lessons, social club organizations, mental therapy, and meditation remain cornerstones around balanced living.

why not create physician access through retainer-based concierge medicine?  who desires stymieing a cooperative community health savings trust fund?  results oriented people will find similar talent and address the challenges with brutal honesty and deliberate thought.  look at silicon valley as a good example with its transformational collective mindset focused on innovative change.

maybe, the brooklyn healthcare system supported by the freelancers union will push the boundaries and expand across the nation...acupuncture therapy works better than resusitating someone from molecular manipulation and pharmaceutical poisoning.

aside from traditional and nontraditional mind, body, and spirit benefits, your membership should purchase time with your own concierge financial counselor.  we should look at our obsession with financial and resource capital as something worth tempering down, so we can focus on building our human capital.

our own human capital will build community health savings trust funds.  financial and resource capital only follow in line, never forget that.  let's get to work...

structuring the good life

hello clients, prospective clients, and business alliance members.  the word "downshifting" generally connotes negative feelings, such as defeat and remorse.  stick-shift drivers the world over also know that downshifting maintains road stability and even more powerful driving experiences.  only a handful of experiences rival accelerating off a tight turn controlled with power downshifting. 

...we must present an alternative good life rather than a socially enforced "automatic" transmission experience.  demand your right to craft your life's user-defined transmission experience.  you will appreciate controlling the shifting process more than letting the world fold around you automatically.

how do we downshift our collective mindset, redefine our social contract, and get back to our fundamental human desires?  our frenetic pace with self-defeating multitask objectives has torn our attention away from our social contract with fellow humans.  we have become uncomfortably self-absorbed, straying far away from meaningful human discourse; moreover, collective greed has dissolved much of the remaining fabric with our social contract's tapestry. 

where do we sense our own being and feel fulfilled doing what we do on a daily basis?  much political rhetoric abounds between the feuding american plutocratic political parties.  rather than face the fact that the industrialized economies remain mired in structural unemployment, politicos would rather misplace blame.  we can thank many forces: corporate america, fiend politicos, technological change, the disintegration of the tribal / family unit, overtly reckless monetary policy, mercantilist national objectives, and other broad social changes. 

needless to say, rather than blame, we should take steps towards addressing marginalization and eliminating our zero-sum game.  our collective ability to manage destabilizing but potentially bountiful social forces such as technological change requires a different approach.  we cannot apply the same old industrial age technological mindset to the developing information age.  society must not accept economic starvation and social humiliation.

how do we assess our true meaning and impact in our highly personal but social consciousness?  we must reevaluate our tribal and family unit's worth and maintain trust with other tribal and family units.  global conflicts not only thrive on greed but also on unstable tribal and family relationships.

as a common developmental experience, a child comes into the world, and she begins to recognize herself and identify her own family unit.  too often, many children do not make the connection to a family unit, due to war, famine, plague, or socially engineered and rigged policies.  we have, and have had, too many young black american children falling into this basic human need deficiency.   

she recognizes her tribe beyond her family unit, ultimately bringing in global human life.  true enlightenment begins accelerating when she sees beyond geographic borders and human life, making biological and plant life equally sacrosanct.  we cannot achieve mutual success when we degrade our planetary home; tragically, after we ultimately overpopulate and pollute earth, moving to other planets will not cure our separation or control our dysfunctional social-psychological issues.  

go son...build into the mountain gently but firmly!

thinking about mutual success on a grand scale requires contemplating some core questions:

• what lessons do we teach about success?

• how do we frame success mentally?  

• where can we redefine success? 

• why redefine success?

• who will redefine success?

• when can we start redefining success collectively?

the last question may seem rather simplistic and rudimentary; however, redefining success as a group takes initiative, discipline, and coordination.  you may have an easier time answering the first five questions than tackling the last one; but, we must start...

structuring the good life does not appear elusive considering the global challenges presented by greed, self-absorption, and our decaying social contract.  the following concepts will push forward progress, counteracting collective social decline:

a) creating cooperative urban gardens with walking plazas

unfortunately for my fellow americans, shopping strip-malls called plazas do not count towards this definition.  modern urban society has grown up uncomfortably detached from its food sources and the meaningful human interactions built up around providing food.  food does not just come from our supermarket mega-corporations. 

clean green-space with walking plazas off urban gardens may solve this man-made dilemma.  raising edible and cash crops within open, infield lots and abandoned warehouse space provides utility for otherwise unused space.  warehouse space could accommodate massive water collection systems, seed storage, and hydroponic crop environments; moreover, marginalized groups such as the working poor, the chronically unemployed, and the homeless may also have a shot at social integration, helping grow society's crops for food and medical access in a rehabilitative environment.  

we could push the envelope and grow medicinal herbs in our community urban gardens.  scientific evidence has begun showing that the pharmaceutical molecular engineers generally miss the boat compared to naturally grown sources; case in point, rather than giving a whole deluge of toxic pills to chemotherapy patients, why not treat pain and physical nausea with medicinal marijuana?  surely, we can, and should, utilize homegrown remedies garnered over many years of human experience without fear of reprisal from scheming politicos.  nature made it, so why reject it as false?

we could feed and heal our community, generate cash flow among cooperative participants, and integrate the marginalized into our communities. 

b) ending political and economic social control

we will have difficulties improving our collective human condition and redefining our social contract under the status quo.  xenophobia, homosexual crusades, futile drug wars, mercantilist economic policies, prison profiteering, and white collar crime siphons off precious economic resources.  our children must know tolerance through parental and societal leader actions, restraining corporate, tribal, and governmental tyranny.  

creating artificial constraints, such as geographic borders, farm subsidies, and black markets, only creates more conflict.  please fellow humans, live and let live...

c) facilitating pension cooperatives

aging and disabled humans deserve respect and care.  our forced pension systems through byzantine federal, state, municipal, and corporate bureaucracies relies excessively on an arcane tax code and unequal intent.  why make it so difficult to plan for those who worry about outliving their income and managing uninsured healthcare expenses?  do we need two or more governmental agencies and two or more corporate interests supervising every healthcare "transaction" ad nauseum? 

long term thinking over the last 200 years has helped developed solid asset / liability management principles and robust risk management systems; however, we have not used enough common sense or integrity in the equation.  governmental "regulators" and multinational mega-corporations amplify the situation beyond overload with unequally engineered policies that socialize financial risk and privatize public profit. 

arbitrary market entry barriers preclude high quality service options for financial, resource, and human capital management resources.  why create consumer choice when we can cloak market competition and progressive options with outright economic plutocracy?  this late industrial age idea from the progressive movement fails considerably for consumers but creates economic rent for the top end of the bureaucratic pyramid.

in that same vein, progressive ideology missed the mark as well with its psychotic eugenics philosophy.  nazi war criminals learned much from north carolina's enforcers who dehumanized the mountain poor with high technology social cleansing methods.  so, with this horror in mind, why trust the progressive philosophy?  does it cover as a front for totalitarian forces?

the question belies the energy necessary to vet out the answer.  let global citizens rise up on their own and take care of their elderly and disabled citizenry through privately organized, transparent, and ethical pension cooperatives.  trust me, we can do better than the status quo.

d) establishing food and water cooperatives

our long term human survival revolves around consistent food and water sources.  without protection from marauding warlords or exclusionary bureaucratic police forces, food and water cultivation becomes rather difficult.  take the ethiopian and south african experience as examples in point.

ethiopia has always had its own coptic empire aspirations but lacks clear access to the coast as well as clear leadership.  feuding warlords and imperial forces have fed some well at the exclusion of many, many humans who starved to death.  will never forget my experience as a five year old in 1984 watching my own proverbial brothers and sisters perish via television over the olympics...why continue armed conflict in this manner and brush it away under the table?

the south african platinum miner clashes underscore exclusionary bureaucratic police tactics.  why would you have striking miners show up with crude weaponry and angry energy?  how did it come to pass that police enforcers mowed down striking miners?  we must look at both sides of the equation and understand that protracted warfare and brutal employer / employee relationships do not help our food and water supply.

employers and employees must balance total ownership in our new information age.  yes, refusing employee ownership remains an individual or corporate choice, but why meet it with pain of death?  platinum does not power the human soul, only universal love. 

without force, and yes, cooperatively, we can gather around resources equitably and in due fashion; however, military arm sales greed, nationalistic pride, and social psychosis stymie that effort.  we have had the technology over the last 10,000 years and the ability to manage both food and water resource capital sources. 

time to stop dealing with the profiteering white-collar plutocrats and their shoddy business, political, and social models.  tolerance, transparency, and integrity will go a long way concerning this matter.

e) enabling education cooperatives

we must abandon the winner take all approach to education financing and delivery.  a well-rounded educational system focuses on ethics and reason, far removed from the test-score madness promulgated by business executives and politicos.  why do we need to compete with the chinese for a superior military industrial complex when we can accomplish much more?  our societal leaders have undermined our educational system for exclusionary profit with some help from the federal reserve and misallocated capital resources.  

we do not need corporate or military automatons; on the contrary, we must demand more independent minds, a stronger grammar school slant, and an internal ability to think on your own.  why exclusively direct energy to the university systems and its cronyism + financial profit when we should focus on our children and let love blossom within our children's hearts?  this process takes a lifetime with a proper foundation set in preschool and even in utero. 

our global structural unemployment conundrum will not dissipate with additional global financial market wizardry.  why subsidize future speculative financial market bombs while punishing our collective future wherewithal?  we must plow more money and reinvest social proceeds into quality education, not save banks' profits but to manage collective human financial misery!

watch people...federal reserve wizardry doing its thing via manipulating long term interest rates [operation twist], vainly trying to revive the 1961 magic hat trick.  check it out via the san francisco bank's research: http://www.frbsf.org/publications/economics/letter/2011/el2011-13.html.  tested safe link on 9/12/2012 at 7:40pm cdt. 

it appears sadly ironic watching "well-educated" technocrats intentionally miss underlying structural unemployment for privatized gain off socialized risk management!  socializing risk in this manner adds injury to insult without equal profit sharing, such as equity owner or educational funding dividend checks.  why should my financial resources invest in a public project without equal profit opportunities?  moreover, how can anyone justify equality in lending out money freely to banks via interest free short term money rates at 0%, turning around and paying 12.50% on the same money from my own pocket?  how does this economic gerrymandering benefit our educational resources and our next several generations?  it does not benefit our global society.

we must cease working with this socialized racket orchestrated by extrajudicial multinational banking conglomerates.  we will blueprint educational systems that teach children to see inequity in our plutocratic system.  we will even empower them to tear it down equitably, judiciously, and fairly.  sending more and more minds into business schools lacking without an ethical foundation misses the point entirely.  we will counteract that trend.

opt out of the current educational system and create your own educational ecosystem laser focused on ethics and reason.  global humanity will appreciate it, and our great, great grandchildren will reap the benefits many times over.

downshift from the path to ruin, cultivate a conscientious mindset, create an enjoyable day, and blueprint your own destiny!