First of all I would like to state I am not a financial advisor. I am an investor. These are thoughts on what I am doing and have done. Your higher self is your best advisor. These are ideas for you to consider as you commune with your higher self. Every person has a different set of circumstances and varying amounts of resources available. Each needs to consider their own situation when determining how to invest their financial resources.

                       The transition of the economy to golden age economy is a time of great opportunity and wealth transfer as wealth shifts from paper assets to the gold standard. A lot of financial advisors write about what they see on the horizon. They are pretty negative about our future. They don’t understand the new age that is coming. Often they despair. It doesn’t have to be that way. You can’t experience an economic depression if you are not depressed. We have to hold the immaculate concept for the economy and the people of our nations. Yet we desire to see the handwriting on the wall so we do not lose our physical resources in the transition.

                   It is difficult to predict with certainty what investments will appreciate because there are many cross currents flowing through our economy. Inflation and deflation are occurring at the same time. The value of a particular asset can depends much on many other variables in the economy. Will the stock market go up due to inflation? Will stocks go down due a poor economy? Will stocks go up due to depreciation of the dollar? Will stocks go down due to naked short selling? Similar debates can be had for money held in the bond markets and banks. No one knows for sure how it will play out.

                  One thing that is known is that many of the public institutions and exchanges are riddled with fraud and bankrupt. It is not officially recognized by the government or the people at this time.   This crisis is orders of magnitudes greater than the 1987 stock market plunge which most of you experienced. I don’t think our modern stock, bond, and currency markets will survive in their current form, and don’t think they will be used in the golden age. I think the form of our financial markets will be much simplier than it is now.

                   During the time of the great depression there was a wealth transfer where wealth was mostly concentrated in the hands of the power elite. A few light bearers were able to read the signs of the time and position themselves, but most were caught off guard and lost much of the wealth they had accumulated prior to the depression. In the transition just beginning, I see wealth going the other way from the hands of the power elite to the many lightbearers. However you will have to stand up and hold out your cup if you want to receive. Fortunately that is easy. You do have to select the right cup to gather that wealth, one that is big enough for you and doesn’t have any holes in it for instance. Also you’ll have to stand up and take action to deploy that cup in order to receive.

                   It takes non attachment to your physical resources in order to listen to your higher self and place them in the right spot. .

The wisdom of asset diversification

      On the Swiss America website http://www.swissamerica.com/article.php?art=09-2003/200309261144f.txt

      They show you in a chart that not one investment category has performed consistently over the 20-year period.

Popular investments

                  Popular investments or cups people have used to store and gather wealth include: Stocks, bonds, real estate, mutual funds, CD’s, money markets. 401K’s and retirement plans invested through the public exchanges. Has anyone noticed that these investments are generating very little income and in some cases dramatically losing value? A dollar doesn’t go as far as it used to. Many people are starting to notice the popular investments aren’t doing well and are starting to think about changing their investment strategy to preserve their wealth. When the people begin to move their money in mass then the great wealth transfer will be in full swing. If you beat the crowd your investments will appreciate due to the influx of people into that area. If you remain in the old forms, your investments will likely depreciate as these lose favor. All the great investors from Warren Buffet, to Jesse Livermore made their wealth by determining the trend of the future and moving there resources before the masses got there. Some of you are just conconcerned with preserving your wealth. In order too do so you must move a least move it to a safe place.

                   Many 401k’s may not be insured especially if they are with a brokerage house or mutual fund. A lot of people resist taking money out of their 401k’s because they don’t want to pay the tax penalties. Well you may just have to bite the bullet on this. You’ll have to pay taxes at some point anyway. Tax rates are the lowest in history right now 25-45%. Obama wants to let the Bush tax cuts expire. That would raise tax rates to 60% of income. Many states are proposing tax increases as well. It is unlikely that tax rates will be much less when you retire. To lower your tax burden when cashing your 401k you could take out half the money now and half on January 1^st, 2009. This will spread your tax burden over two years. When you take your money out of your 401k or pension fund, make sure you pay adequate taxes at the time or you be charged additional tax penalties when you file your tax return.

      Physical versus paper assets, electronic assets

            My observation it that it is generally better to invest in physical assets at this time and not paper assets. My definition of a physical asset is an asset that has physical existence, such as cash, precious metals, equipment, and real estate where ownership is allocated to you outside our computerized public exchanges and institutions. The term paper assets refers to the paper that money is printed on, or the cd certificate, or stock certificate that you used to receive when you invested your money before computers were used extensively. Nowadays most paper assets are really electronic assets. Electronic assets include Stocks, Bonds CD’s money markets, treasuries, checking accounts You don’t receive those paper certificates any longer and you don’t hold much cash in your wallet or home. Your asset exists as digital data in some institution’s computer that you can access on line. Its so much easier for your bank, mutual fund or brokerage house to hold these paper certificates for you in a computer in their name. The problem with this is that if the institution holding your asset goes bankrupt the assets they were holding for you are considered part of the bankruptcy assets and are given to the creditors and not to you.

                  So the government created the FDIC for banks and the SPIC for brokerages to guarantee at least part of your money in the system. If several banks and brokerage houses go under at once the FDIC or SPIC doesn’t have the personnel or funds to handle it and you might not have access to your funds for a while, for months, even years. This is exactly the scenario experts are predicting. Some say 6000 banks are insolvent now. Some say 600. No one has given an estimate on brokerage houses in trouble because they have so many hidden off balance sheet investments. Experts are now talking about banking holidays. When banks reopen they may very well limit withdrawals to something like $500 dollars per week effectively keeping you from transferring your money out of the system. Typically the government tries to make every depositor whole causing massive inflation. Your purchasing power can be inflated away before you gain complete access to your money. In past economic panics one million dollars was reduced to $500 dollars of purchasing power in ten days. These are some of the risks of keeping your money in the system.

                  Why do I think it is better to invest in physical assets? The Masters say this is a very physical time and we must be physically prepared. Physical assets are not someone else’s liability. You don’t have to worry that you will lose you investment due to an institution’s insolvency, inflation or government currency controls. Physical asset generally appreciate at the inflation rate and high inflation is occurring worldwide. Also a commodities boom is in progress fueled by emerging economies. China, India and other developing countries are demanding more commodities to grow. Food and resources are in short supply due to lack of investment. Commodity booms usually last at least 20 years. We are about 8 years into this cycle.            

                    In a recent message El Morya talked about our goals for the next six months. He said that we must move quickly. Prudent and future vision involving investments in the financial markets are required. Consider all possibilities. Safeguard your resources in institutions, projects and materials that allow for your long term sustainablilty.

                  I feel you must move quickly to safeguard your resources because of the condition of the financial system. It may become difficult to move your resources after the first of the year. The elections will be over and during the transition time between administrations no one may be at the helm to keep the banking system or credit markets together. And our politicians might not try as hard as to keep the system afloat because they have been re-elected.

      2) Invest in other 3 month preparedness supplies besides food and water

                  From the Tucson Hearts Center website www.tucsonheartscenter.com

                  "Saint Germain has said (3/15/06 & 6/15/06) that he would like each one of us to be prepared for emergencies and evacuations as they are likely to occur and no place is absolutely immmune.

                  Invest 10-30% in gold, silver. Traditional investment 10%. I think you can go to 30%.   Many of you have expressed the concern that the price is too high right now to buy. Why should you invest now? Well I could throw up some charts and show that the price is really not high compared to inflation and other commodities and try to convince you. I could tell you that the central bankers intervened to drive down the market in the 80's & 90's and they can’t really do much now because they are almost out of gold totally out of silver. I could tell you many other things that should make gold and silver go to the moon, but nobody knows for sure how this financial crises is going to play out. Nobody wants to lose money, yet in the great depression people were fortunate to keep half their wealth. We are moving into bumpy times ahead and we will be fortunate if in these bumps prove to be no greater than those of the great depression. I think David Morgan sums up the real reason to own gold and silver in his article Panic on Wall Street Is Building, Gold and Silver's Role, www.silver-investor.com, July 22, 2008

      (Note: he focuses on more silver because he is a silver analyst but the same is true for gold)

                  "My worldview is that silver plays a role in the best of times and in the worst of times. Right now there is a huge shift of wealth; wealth is being created in the East and wealth is being diminished in the West. It is and has been my very studied opinion that wealth cannot be printed, and therefore the role of gold and silver at this point in time comes mainly as a means to protect or build wealth.

                  "Fannie Mae (FNM) and Freddie Mac (FNM) were on the verge of collapse, only to be saved by the full faith and credit of the United States. But in reality the Fed did not save them, YOU did. If you are a U.S. citizen, the bailout has your name on it and you don’t even know it, do you?

                  "The U.S. government is coming to the rescue (through you), but is this "too little, too late"? All of this fear is also being fanned, thanks to statements by Federal Reserve Chairman Bernanke, who told Congress the U.S. economy is faced with "numerous difficulties," such as strains in financial markets, a shaky job market, and ongoing weakness in the housing market. These difficulties are persisting, despite the Fed’s massive interest rate cuts and expanded lending efforts over the past year. Will the Federal Reserve and Treasury be able to save the country from suffering a massive financial collapse?

                  "It depends. It depends upon what you consider a financial collapse, and I tend to look at it from a very realistic point of view. On a case-by-case basis. If you had your entire retirement account with Enron, then you have had a financial collapse. If you are an autoworker for General Motors, then you may be feeling a bit unsure of your future.

                  "The only real way to gain an idea of whether this latest move by the Treasury and the Federal Reserve is going to help is by objectively asking yourself what currency has survived the test of time. The answer is NONE; no piece of (government backed) paper has ever stood the test of time.

                  "However, fear not, because two commodities have stood the test of time and they are gold and silver. These metals have a 5,000-year track record of preserving wealth and at certain times enhancing wealth. You see both of these monetary metals stand outside the entire financial system and yet are money in and of themselves. They are immune to bank or brokerage failure, poor management, or even government intervention. That is the beauty of owning an asset outside the financial system: you have the peace of mind that some of your savings is safe no matter what happens.

                  "Do Even Greater Troubles Lie Ahead?

                  "Thomas Jefferson offered these words at the founding of our country, "Banking establishments are more dangerous than standing armies." The next few months may prove to be very difficult if the financial crisis spreads throughout the world.

                  "The big "IF" is, if perhaps the worst is behind us, the system will continue and the past errors made by leading financial institutions will be resolved. Certainly, if you are objective, this is a "possibility" but in my view a very remote one. The problem is that if things deteriorate slowly, more people will not wake up in time to really take action.

                  "Which action? The act of buying a metal that reflects the light of truth in good times and bad—SILVER."

                  I think you should buy gold and silver eagles, Silver rounds, junk silver, Canadian maple leafs or the coin issued by your country. No numismatics. Numismatics are coins whose primary value is derived from collector demand and not from the gold or silver content.

                 Note: there is a retail and wholesale shortage of silver and you may have to pay a $5 - 10 dollar premium per ounce over spot or wait 2-3 months for delivery. www.coloradogold.com is a good site to compare prices with or to order from. If you just want to chat about buying precious metals the proprietor, Don Stott is a real down to earth guy and easy to talk to.

                  I think you should keep a stash of cash and coin around. Gold and silver may become too valuable to use for grocery money in a crises and you may not want to alert people that you have it. Cash and coin will be a good back up in such a circumstance. Cash and coin could appreciate in a banking crises because people won’t have access to electronic funds, checks, credit and debit cards. The metal in coins, pennies dimes nickel, and quarters may become more valuable than the face value as metals increase in price due to inflation. www.coinflation.com gives you the current melt value for coins. A pre 1982 penny is worth 2.5 cents. The US mint had to change the composition of the penny to mostly zinc to get the price down. A nickle is worth slightly more than 5 cents. Congress is about to get rid of the penny. Consider saving a least some of your spare change. You might be surprised how much cash could appreciate in a crises. Never in the history of economic panics has there been the use of electronic money. I would guess over 90% of transactions in the economy use electronic money instead of cash. Does that mean that cash could appreciate by a factor of 10 in a crisis? I think it’s possible. You might not be able to buy a big screen TV or computer from China with it, but you might be surprised how much food you can suddenly buy because no one has any cash. I suggest a cash supply of one to three months of expenses.

                  Real estate is more favorably priced from a year ago. Deals can be found. Commercial real estate is coming down in price. Is this the bottom? I don’t know. Credit is getting tighter. The mortgage industry continues to collapse. There is lots of real estate for sale and in foreclosure. Getting financing is more and more difficult. The best borrowers have to jump through hoops to get financing. It takes more time to close a loan. Meanwhile interest rates are rising. I doubt financing can be obtained for raw land. You may have to use cash or owner financing. Even though real estate prices are down rising interest rates may result is higher monthly payments.

      Woes Afflicting Mortgage Giants Raise Loan Rates

                  "Even as policy makers rushed to support the two companies, home loan rates approached their highest levels in five years.

                  "The average interest rate for 30-year fixed-rate mortgages rose to 6.71 percent on Tuesday, from 6.44 percent on Friday, according to HSH Associates, a publisher of consumer rates. The average rate for so-called jumbo loans, which cannot be sold to Fannie Mae and Freddie Mac, was 7.8 percent, the highest since December 2000.

                  "The uncertainty surrounding the two companies is the latest in a series of pressures bearing down on the housing market and the broader economy. Higher interest rates make it harder and more expensive to refinance existing debts and to buy homes.

                  "... When we get to rate levels like this, the market just shuts down," Mr. Barnes said.

                  "While mortgage rates remain relatively low by historical standards, they are higher than what homeowners and the economy became accustomed to during the recent housing boom. Lending standards have also tightened significantly in the last 12 months, and many popular loans are no longer available."

      I feel you must move quickly to secure a retreat property if you want to use traditional financing because of the condition of the mortgage industry. It may become difficult to finance property after the first of the year.

      6) Invest in supplies and materials to be sustainable

                  Once you have decided on your safe location, invest in ways to renew your supplies to become sustainable. Invest in a wood stove, solar ovens, solar energy, an energy efficient car, ham radio, a green house, a garden, as your finances permit. There is a big budget version and a small budget version for each of these. In a crisis you can help others get through the crisis in exchange for services that they can render for you like working in your garden or trading chicken eggs to talk with family members on the ham radio and so on. One person was telling me that her neighbors were poor so they offered to mow her lawn for free if she supplied the gas to mow both lawns.

      7) Invest in local businesses, your own or someone else’s close to home.

                Instead of investing in the stock market invest a local business of your own to generate income, or someone else’s business that you know or who is close to you. You could become a gardener, electrician, handyman, beautician, shop keeper, nurse’s aide, something that is useful in a crisis. You could organize a farmers market in you local area. Use your imagination. You can invest farmland and rent it out. You could own affordable rental property close to you as a source of income.

                  The stock market is now so corrupt, I believe it can’t be saved. Naked short selling is one type of fraud in the stock market. Bud Burrell calls it the greatest crime in history.   Understanding how naked short selling works is complicated but it basically creates a fictitious share of stock. Too find out more you can go to http://www.financialsense.com/fsn/main.html the 2^nd hour with guest expert Bud Burrell, The Greatest Crime in History , July 12, 2008. 

                  At the present time more fictitious stock exists on the stock exchanges than legitimate stock. Most investors, mutual funds, pension funds unknowingly hold illegitimate stock. Organized crime got involved in naked short selling to strip investors of their retirement funds. The karma that is descending on these market manipulators will be biblical in proportion. I would steer completely clear of the stock market.

      Safe ways to hold paper assets if you still want to keep some of your investments in the financial system

                  If you feel you must keep all or part of your money in banking system, mutual funds, 401k’s or stock market there are ways you can better protect yourself. First of all don’t believe people in the industry when they say your money is safe. They often don’t know the truth. Check it out throughly yourself. Go to www.weissratings.com and pay for their reports on the safest banks, insurance companies etc. Don’t have more than $100,000 in one bank and split up your money in two or three institutions. If you hold individual stocks get the stock certificate from your broker. You can do this for an IRA or 401k as well. Go to www.jsmineset.com and search for certificates. Several article will come up an how to get share certificates in your name. Then your investment is protected if the brokerage firm goes under. However it is not protected from losses due to naked short selling. The recent action by SEC on naked short selling only protects the perpetrators of the crime. It is unlikely that the SEC will do anything to correct the situation because to do so at this point will crash the market.

                  Giving is a great way to invest and it will reduce your taxes if you are cashing out your 401k.          The law of the tithe - giving a tenth of yourself or your funds to God. By giving a tenth you’re planting the seed that makes your supply grow into the next cycle. You’ll reap what you sow. If you sow good service you will receive that. If you give money you will receive monetary blessings in return ten times your original amount.

                  If you deny 10% to God , you actually don’t gain at all. By holding it back you lose, because you don’t have any seed to make it grow in the next cycle. This law gives you a thousand percent return. You would have to look pretty hard to find an investment that will give that kind of return. 

             Why don’t we all practice this law to the fullest extent all the time whenever we receive money or we have extra time to give? I think it is often because we don’t believe we will receive a tenfold return. You can block the flow if you believe that the law won’t work. Other times we don’t notice the tenfold return. We stop giving as much and our flow stagnates. We start thinking we don’t have enough to give and then seeing others as not having money to give.

                  How do get out of that type of poverty consciousness? By understanding that God is the doer and law works the same for all. We have to have faith in God. Archeiai Faith just gave us a mustard seed of faith at the freedom conference that we can deploy now.

                  Often we presume that we have work harder to receive. It is totally a manifestation of your ego when that squeaky little voice says the law won’t work for you because you are presuming that you are the doer instead of God. If you are short on money or could use some more money make a pledge and start tithing today.

                  Seed money is another law you can use in order to claim a tenfold return. It is different from the tithe which is a gift after you have made the income. You can use this law to receive something you desire such the trip to India or money to buy preparedness supplies. Just donate a tenth of what you think the cost for that item is and accept that you will receive it. You may not receive money in return but someone might give you a free plane ticket and offer to pay for your lodging. Or someone can give you preparedness supplies they were not using. Experiment with this law today. Give the money, ask for what you desire and then let it go. What have you got to lose?

                  The Hearts Center is an ascended master project you can invest in and receive returns for years to come.