How-to Money eBook for Advisers and DIY Investors.

This is an "uncensored" money eBook for investors and financial advisors to help make better-informed decisions. It's so controversial that mainstream publishers are afraid to have anything to do with it.

For investors, the main focus is shedding light on industry-wide problems that have no feasible solutions, which makes it worthwhile to take control and manage your own money. Then it teaches you how to invest yourself, better than the pros, so you can realize higher returns with less risk. If you still don't want to do that, then it teaches how to shop for financial advisors.

Financial advisors will learn more about achieving better investing results for clients than in any other book, website, seminar, class, or training program (other than the CFA, of course). You'll also learn important things about the biz, even if you're an old veteran. If you're a rookie or a wannabe financial adviser - then this could literally save your life. Any one of the gold nuggets of "secret" information could prevent you from making a huge mistake (starting a practice in an industry without knowing what's really going on first, not being able to defend yourself, and not being properly armed for the inevitable no-win battles).

It will also enlighten both investors and financial advisors on the mysteries of the financial services, financial planning, estate planning, insurance, banking, brokerage, and investment industries.

See past the hyped-up facade and become educated on what the business is really about, from an insider's point of view. This is the best way to learn how the industry is organized, how to avoid common abuses, conflicts of interest, and how to navigate it all to make it work in your favor.

It's critical in life to see through the hype and (corporate) spin, so you can tell what things really are, and what things really are not. The financial sector of the U.S. economy probably holds the all-time record since humanity began of obfuscating and spinning about what things in the Real World are, lying about what things are not, cheating, stealing, hiding fees expenses and other charges; and then getting unbelievably rich from it.

So rich that they can then pay off the politicians so well that when their monstrous newfangled creations (AKA "Wall Street financial innovations") designed to make only themselves rich at the expense of the masses bring the world to their knees (Jan '09), they're not only going be just fine (and never ever prosecuted), but they'll also get gazillions of your taxpayer bailout money when they fail spectacularly (so they can try a new round of innovations, and never pay the government your money back). We predicted long ago that the chickens from these world-eating monsters would come back one day to try to end life as we know, it and that's exactly what almost happened.

This Money eBook is the best single thing you can buy, and/or read anywhere, that will shine the light of truth onto all of this. The whole financial system in the U.S. is a major primitive broken fragmented self-serving bleeping disaster; it always has been, it still is, and it always will be. Things are so bad that just knowing what basic things are, and are not, could literally save your life. If it looks like a duck, walks like a duck, and quacks like a duck, then it's a duck, no matter what the marketers call it.

This is delivered via zipped e-mail attachment. Everything together is a more than 350-pages of Word documents (in 12 point font). This is equivalent to a ~1,000-page average-sized hard-copy book. This is an eBook, so you won't receive a hard-copy book in the postal mail.

Some Real World Mysteries this Money eBook Reveals:

• Why the financial services businesses are in the state they're in, why it's all a huge mystery, and why there's few straight answers. Learn many well-kept secrets that Wall Street, the financial product makers and packagers, and financial advisors very much don't want you to know anything about.

• Who the players are in financial services firms. What the custodian, Broker-Dealer, and their compliance department are all about. All about the cops (BD compliance, the SEC, state regulators, and FINRA) and why they're not effective at stopping everyday abuse.

• What the various types of financial advisors really are, how they actually work, get paid, and why they do what they do and say what they say. Understand the "financial advisor food chain" by understanding the "financial adviser pyramid."

• The differences between a financial planner, money manager, broker, stockbroker, insurance agent, (FINRA) registered representative, registered investment advisor, and more.

• The differences between fee-based and fee-only financial planners and investment managers.

• Questions to ask financial advisors to help you understand what type they really are.

• How to choose a financial planner and/or investment adviser.

• Which type of financial planner is best for you?

• How to tell if a financial planner wanting to manage your money is a dabbler, wannabe, rookie, or a true professional.

• Industry professional designations and what they mean. Do the letters after someone's name actually mean anything, or not?

• How to eliminate common conflicts of interest when working with each type of financial adviser, what they really want from you, and how to avoid being taken in by slick salespeople.

• How to screen professional money managers to find a true pro for a reasonable price.

• Why stock pickers give away their recommendations on TV for free, when their clients are paying high fees for it.

• Why investment advisors have so many different opinions on how money should be managed.

• The real reason why financial advisors always say life insurance company products (e.g., insurance and annuities) are the answer to everything.

• Why your financial planner always wants to talk about trusts and estate planning.

• What estate planning is, and what the deals are now that the Dec '10 revisions pretty much wiped out the whole industry forever.

• Which financial products pay financial advisors the most (which tells why they keep talking about them instead of products that will benefit you the most).

• The true differences between the products financial advisors want to sell you. How financial product structures and packaging got to be the way they are.

• The real reasons why your financial advisor recommends different products over time, and in different economic environments.

• Why your broker is really so hard to contact. It's not because they're "too busy."

• How and why financial advisors are very susceptible to the psychological disease called "affluenza," and why this is bad for you.

• About how broken the biz really is. It's so broken by basic human frailties that even the top players that are already so unbelievable rich and famous that they have more money than God, still have to play the usual shenanigans to get even richer at your expense.

• Way more than you ever wanted to know about the life insurance industry.

• About always remembering the financial meltdown of '07 to '09.

For Financial Professionals

• Critical tips on passing the CFA (Chartered Financial Analyst) exams the first time. If you're sitting for any of these exams (or the Bar, CPA, comprehensive CFP, etc.), then this one section will be worth way more than its low price.

• A summary of our experience, from beginning to end, of taking the CFA program (Chartered Financial Analyst). About the tests, then about the job markets, what's it's good for and not.

• All about being a CFP in the Real World. This will help you decide whether or not to take the CFP (Certified Financial Planner) program.

• For fee-based and fee-only advisors, how to tap the 529 college savings plan market you thought was untappable.

• Several pages listing all of the reasons why you should consider firing your Broker Dealer and FINRA. Then how to become your own independent Registered Investment Advisor (RIA).

• The differences between the Mom and Pop financial consulting office and larger firms with armies of salespeople. Why Mom and Pop boutiques are growing and the big players are shrinking.

• Why there are rarely good jobs in the financial services industry, regardless of your education, skills, talent, experience, licenses, or background.

• For newbies, what it's like working for financial planners. What they say, what they do, what they really want, what motivates them, and how, when, and why they lie to clients and prospects. Read Real World examples of what most of them think, say, want, do, and how they run their practices. You won't believe it!

• What portfolio optimization is, the dangers, and what it's used for. Why you shouldn't even consider experimenting with any kind of a portfolio optimizer. The differences between "pretend portfolio optimization" and real portfolio optimization are explained.

• All about using Monte Carlo simulations in personal finance software.

• A brief tutorial on marketing your financial planning and investment management practice.

• About the "summer slowdown." This industry has its seasons, and it's important to know them well (so you'll know when to not take vacations, etc.).

• About getting financial plan software approved for use by BD compliance and FINRA. After that is a list of most large Broker Dealers with their websites and contact information.

• A few basic but important tips on Errors and Omission insurance (E&O).

• Several valuable pages about vital bottom lines on how to be a strong and healthy working warrior. We see this whole thing as a war against ignorance, so you'll need to be strong to survive it all. This alone is worth 100X the price.

• Old financial planner sales and case writer checklists:

For paraplanners / case writers making financial plans for their boss advisors: Rework Prevention Tool.

For prospecting on the phone: Pre-dialing checklist.

Pre-appointment checklist to help prepare for in-person client meetings.

There's also a several pages of our ancient random motivational tips for the financial salesperson. For commission-based advisors, just these alone are worth much more than the low price. We're working on making a basic training program for advisors, so all of these gold nuggets could soon end up being in a "product" selling for over $100. Once you buy and read this section, then you can send e-mail asking to get the very personal companion sales motivational piece we call, "Life's Rules in Concrete: How to use self to control mind." This is all a work in progress. Get it cheap while you can!

• About Morningstar: Did you know about 15% of their (monthly) return numbers in their (mutual fund) database have been WRONG and can CHANGE at random?! Their published investment returns (data) have been so bad, stale, wrong, missing, that they should be ???. What the deal really is with them (it's probably not what you think), and why you should give up hope that they'll change for the better. Almost ten whole pages about what's really going on at Morningstar that you did not know, and definitely should know if you use any of their software for doing investment-related work and/or creating client presentations. You probably still think everything is just fine the way it is, and thus still have no clue about how broken things really are in this business and industry. If you've been paying them through the nose (with their 15% annual price increases) then you are going to be an unhappy camper once you read this proof. FYI: We've been a paying Morningstar subscriber every year since the late 80's, when they first offered their software on a dozen floppy disks.

• If you think that everything has been done in the financial services industry, so your dream of starting a new corporation and getting rich and famous by providing valuable products and services to the world is futile, think again. Because of Morningstar's colossal malfunctions, there is still an opportunity for someone to start a major deal just by "fixing their screw-ups" and "doing things right." So all you'd have to do is make a business plan, get funding, hire smart people, not screw up; and you could have a new legal monopoly and get rich and famous while taking a ton of their business away and keeping it all forever.

• About "cloud computing," and why you should avoid it all.

Critical (DIY) Investing Information

• Determine if you should manage your own investments, and if so, how?

• The pros and cons of managing your money yourself vs. hiring a money manager.

• How to better manage risk and get higher returns in your investment portfolio.

• Why just a little higher rate of return can make a huge difference in your standard of living at retirement (with proof and charts).

• All about mutual funds. How to pick and screen mutual funds yourself.

• Several pages about what Exchange Traded Funds (ETFs) are, differences between ETFs and closed-end mutual funds, why they're one of the current fads; advantages, disadvantages, and why you should avoid trading them.

• What mutual fund share class letters really mean (A, B, C, and other types shares), and why financial advisors really tout one kind over another.

• The three ways to manage money. This is critical reading for everyone to help understand money management. Learn details on which one of the three general methodologies of investment management works the best and why.

• All about investing in IRS section 529 college savings plans, and why you should consider avoiding all of that.

• About the five most-commonly-used investment risk tolerance categories.

• All about what investment portfolio benchmarking is for and how to do it.

• What the current fad is (there's always a current fad that will soon reverse, wiping out hundreds of billions of investor's life savings).

• About Dollar Cost Averaging strategies and why to avoid it.

• Why you shouldn't dabble in currency trading (FOREX trading).

• Why you should run for the hills when a financial advisor recommends refinancing your mortgage to put the freed-up money into the stock market.

• How to self-manage your 401(k), 403(b), or 457 retirement plans. An overview of why you should self-direct your retirement plans is here, but the details of how to actually do it are in this Money eBook.

• How investment choices / options are made for 401(k) plans and variable life insurance company product subaccounts.

• How American Funds got to be a household name - it wasn't because of their long-term investment performance records. Critical reading for everyone that owns them and advisors that sell them (and why you should avoid them).

• Variable annuity and variable life insurance tutorial. The advantages and disadvantages of variable annuities are discussed in detail. Then learn about the one and only way to salvage the situation if you are currently a VA policyholder. Also discussed are the only two methods of escape from being locked into poorly-performing life insurance company products (variable annuities and variable life insurance).

• Way more than you ever wanted to know about life insurance companies and their business models. If you're wondering why we pick on them, why you own an annuity or whole life insurance, why it's "not doing well," and what life is like as an agent (or rep for a BD controlled by a life insurance company), then this section will answer all of those questions. All of those mysteries totally solved.

• This Money eBook explains the most-common pitfalls when dealing with the life insurance company business model.

• About why you should also never invest in a fixed annuity.

• About the pitfalls of "being stuck frozen like a deer in headlights" whenever "something happens." Over the decades, this story has repeated itself perfectly over and over and over again. Something happens, you're scared, and instead of getting on with your life, you just sit and watch / read the news and fail to make any decision about anything - for months. Why you should stop doing this and then how to stop this extremely bad short-term reflex behavior that could, and will probably will, end up ruining your (retirement) life. Also - who is doing this scaring of the sheeple, when, where, why, and how they're profiting from it all is also postulated. As usual, just these several pages alone are worth hundreds of times the cost of this Money eBook. Whole MBA courses and books are written to get just these basic life concepts across. Now you can get the same useful bottom lines for just a few bucks.

• About opening a discount brokerage account to manage your own money, especially old 401(k)s and IRA rollovers.

• Why you should never invest in "crap bonds," or mutual funds or ETFs comprised of a high percentage of them. These are all asset-backed securities, like GNMA, FNMA, FHLMC, SLMA, etc.

• Why you should look at the "great deals" from AARP with a grain of salt.

• What the real story is regarding "private money managers."

• Learn about what hedge funds are really all about, and how to avoid the "fake ones" that don't actually hedge anything.

• How to complain, and maybe get money back, from bad financial advisors.

• Why you should never invest in "target funds" (asset allocation mutual funds with a year in their objective name). AKA target-risk funds, life cycle funds, target year funds, and life style funds. If you bought one of these things (more than likely in your 401k plan), then just reading this section will pay for itself.

• And more! A new paragraph or so is added weekly on average.

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Price: $5

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