Understanding YOUR Economic Alternatives With an Education in Alternat…

Understanding YOUR Economic Alternatives With an Education in Alternat…


In the recent past we looked to professionals of the financial planning industry to help us devise a more informed plan that would take us comfortably into our retirement years. Unfortunately, the procedures and methods that most typical financial planners follow and suggest have become ancient and outmoded (already self-serving). Too often, this misguidance has led to diminishing returns instead of the large gains usually promised. As a consequence, and for good reason, we as a public have lost our faith in these so-called professionals and have lost the desire to save or invest for the future. Read the book, “Where are the Customers’ yatchs?” by Fred Schwed Jr.

To further the challenge, Social Security has published their prediction to be bankrupt (See your yearly Social Security statement page 1 top right use) and the government is screaming at the public by almost every form of media to establish a personal financial plan that would not include government assistance. In other words, “you are on your own!”

Without understanding your economic alternatives or having a personal system of financial growth, the effects of social heredity during demographic and economic change has proven to be devastating financially for most.

In other words it’s becoming more and more difficult to unprotected to any level of financial security if we make our financial decisions based on our inherited perceptions. As time goes on things change and the economic climate we live in changes too. Things are changing more rapidly now than ever before. Unrecognized changes expand the information gap between our perceptions and reality. The decisions we make have their consequence determined by how close, or far, our perceptions are to the reality of the world we live in.

for example, did you know:

1. You can Self Direct IRA’s, 401K’s and other tax deferred retirement plans and use those funds to leverage acquisition of high performing real estate and watch your assets grow unhindered by taxation.
2. If you have stocks bonds or mutual funds you can often potential (Not Borrow) that asset as a down payment on real estate but never take it out of the funds they are in. In effect you can double dip!
3. edges make money by something called Arbitrage and so can you.
4. You have hidden assets you didn’t know you had. In fact you have all the financial assets you need to unprotected to any goal you desire.
5. The Return On Investment for Home Equity is Zero.
6. The Effective Rate you are paying on a fixed rate mortgage changes from one year to the next.
7. Of the ways that the financial planning industry are allowed to report the performance of your investments under their management at the minimum 9 of the 13 can make it look like you are getting a better return than you are. Sometimes you are truly losing money when they report a gain.

by knowledge of truths like this, and much more, you can turn the financial table in your favor.

To unprotected to your own goals and dreams (which may be just a comfortable retirement) you must become knowledgeable and complex about how the money game works, now, and stay that way by fast paced changes. This requires an education course of action that may rattle your traditional thinking and an on going affiliation with a trusted source of new and current information in addition as opportunities to keep you on the cutting edge. Finally you need to learn to apply a new methodic course of action that works and keeps working; Because all the knowledge in the world won’t get you anywhere without its application.

The principles of what is becoming known as different Economics are basic in developing a successful personal system of financial growth. different Economics is being called by some experts the solution to a failing financial plan in America and the economic doctrine of our era.

different Economics was first introduced to the public by local investor clubs of the national investor group as a personal system of financial growth and an emerging industry by the National Strategic Investment Corporation (NSIC) in February 2005.

Founders of NSIC recognized growing financial disparity in homes on a national level due to inefficient financial planning traditions, a failing social security system and mismanaged or impotent government and corporate retirement programs that overlook many advantageous alternatives.

This disparity has reached a climax as the public is promoted to take charge of its own financial future. The challenge to this solution lies in the progressively fast changing economic climate of this country caused by the effects of rapid technology growth among other major changes and events. The national education system can not keep up with these changes consequently leaving the public to make financial decisions based on perception and not reality. Financial decisions made with the old or just inaccurate information of perception provide less than desirable results and extinguish motivation of savings or investment activity. As a consequence less than 1% of this nation’s household income is currently being invested in any kind of retirement or financial plan.

different Economics is an answer to the call to the American public being shouted by top officials from every political party of the federal government to plan our own financial future. The message is clear, “the government will not be able to sustain us as we get older”.

The “Savings Are Vital to Everyone’s Retirement Act of 1997” (SAVER) was enacted on November 20, 1997. The purpose of the SAVER Act is to improvement the publics knowledge and understanding of the importance of retirement savings. The Act directs the Secretary of Labor to take action in four general areas:

1. To continue an current program of outreach to the public to effectively promote retirement income savings;

2. To disseminate specific educational materials related to retirement savings and the principles of saving and investment;

3. To establish a web site as a method to disseminate these materials, and

4. To convene these National Summits on Retirement Savings.

In 2006 this was the objective of the National Summit of Retirement Savings taken right from the DOL web site located at the Department of Labor web site listed in the resources section below.

National Summit Objectives

1. improvement the publics knowledge and understanding of retirement savings and its basic importance to the future well-being of workers and their families.

2. ease the development of a general-based, public education program to encourage and enhance individual commitment to a personal retirement savings strategy.

3. Develop recommendations for additional research, reforms and action in the field of private pensions and individual retirement savings.

different Economics fulfills all three of these objectives. But why is our savings so important to the federal government? The answer is two fold:

1. The productivity of this nation and consequently the health of its economy are directly related to the savings habit of its people.

2. Based on current savings habits in America the majority of future generations will not have the ability to retire or already sustain themselves on their own resources.

Coupled together, these two effects of the current savings habit of the American people could consequence in an unrecoverable condition and already a collapse in our national economy.

“Left uninformed, goal is paralyzed by fear of the unknown. Opportunities go unrecognized and our dreams of a thriving future fade away into excuses.”

– Steven Hettema-

You may be asking yourself, “What is different Economics”? To answer this lets start by telling you what its not.

different Economics is not about stocks, bonds or mutual funds. Our corporate retirement plans, pensions plans, 401ks and IRAs are all invested in stocks, bonds and mutual funds. Let’s confront it, we’ve all seen or experienced the poor performance of these traditional investment classes. We’ll talk in more detail in future articles about why we believe these investments are yielding such disappointing results. We’ll also discuss how different Economics will solve this problem on a personal level for anyone who actively applies the methods and principles it suggested. But for now let’s keep the conversation a little broader in scope.

As a country, we’ve lost faith in these investment tools and are no longer motivated to save or plan for the future in the manner that we used too. This is evidenced by the fact that Americans save or invest less than 1% of our income. Some believe this is just because we are less disciplined today or we just don’t care any more. Suggestions have been made that we are entering a new economic era rule by an irresponsible generation with an immediate gratification mindset. These explanations blame this depleted savings habit of our nation on the actions of the people and not the cause for these actions or without thereof.

The American people of this generation are not stupid; we are simply responding to our shared sense…Why include in a plan that we know is failing for so many? After all, discipline comes from motivation and motivation comes from faith in an action that will provide a desired consequence. We just don’t believe anymore in the traditional financial plan which relies (for the most part) on the performance of stocks, bonds and mutual funds. What we need are better alternatives.

different Economics is also not reliant on your frugality. Most Americans are under the perception that growing assets and/or investing are only possible at the price of meaningful lifestyle sacrifice. It’s no surprise people think this way, listen to what Federal save Chairman Ben Bernanke was quoted saying:

“Unless the current generation is willing to sacrifice, by cutting consumption or increasing savings, future generations could confront a heavier reduction in living standards.”

“We can mitigate the negative effect of the aging population on future generations, but only by forgoing consumption or leisure today. As the population ages, the nation must choose among higher taxes, fewer government programs, cuts in Social Security and Medicare, a higher deficit or some combination of those options.”

USA TODAY 10/05/2006, by Sue Kirchhoff

Does Ben understand what he is saying? Doesn’t consumer consumption affect the health of the economy? Of course it does! Spending less to put more in savings or provide a higher social security tax is not a solution. Sorry Ben! People need alternatives that will allow them to keep spending (continue or enhance lifestyle now) while growing assets for their future at the same time.

The reality of this perception, left to us by the media, our political leaders and our heredity, makes more understandable the without of motivation Americans have to save or invest in a traditional manner. Think about it, who in their right mind would be motivated by this financial plan?

Take money from your current budget, sacrificing lifestyle now, to save or invest for your future in a system that, based on past performance and future projections, will leave you with a retirement savings that won’t already sustain the reduced lifestyle you endured to make a better one.

With that kind of outlook, no surprise we are more apt to say, “use it while you can enjoy it and hope for the best at retirement”. already though that’s not a plan it makes more sense than the traditional option described above.

The concepts of different Economics deal with the necessity of asset accumulation without requiring or already consideration of frugality.

Finally, different Economics is not reliant on corporate pension plans or government managed retirement programs such as Social Security.

In a recent Frontline Report titled “Can You provide to Retire”, which first aired on May 16th 2006, observers were made aware of corporate financial strategies that rule to the decline of employee pensions. Specifically, federal law allows companies that offer pension programs to use those employee pension funds for company expenses with the hopes to repay the deficit at a later date. If the company experiences financial difficulty and can not repay the pension funds then they can file chapter 11 bankruptcies to wipe out the debt leaving employees with nothing. Check out the complete report at the link below.


The Social Security system has expected its own bankruptcy date and publishes it in its own report to the American people every year. Most of us have, at some time in our working life, received the yearly Social Security statement. If you are like the majority of people, when you finally take the time to look at the document you closest turn to the 2nd and 3rd pages which outlines your personal benefits if you retire, are injured or die. This year take the time to read the first page. On it you will find the details of when (not if) the Social Security system will be bankrupt. Specifically, it’s in the use on the upper right hand side of the cover page. When you read it you will understand why the government is so emphatically encouraging us all to make financial plans for retirement that do not include government or corporate managed programs.

Its time for economic alternatives; it’s time for different Economics.

different Economics(TM) is a personal system of financial growth designed to show hidden assets and apply them to different investment strategies using four asset speeding up principles by three financial growth stages. It is the solution to the failing traditional financial plan in America and the economic doctrine of our era.

Let’s break that down:

– Personal system of financial growth

– Revealed hidden assets

– different investment strategies

– Four asset speeding up principles

– Three financial growth stages

Watch for future articles on each one of these five subjects above in the very near future. Meanwhile you can see more about the National Strategic Investor Group, the National Strategic Investment Corporation and different Economics at http://www.nsicgroup.com

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