The Insurance Cowboy: The Cost of LOST OPPORTUNITIES

The Insurance Cowboy: The Cost of LOST OPPORTUNITIES: Unfortunately our society has become inundated with thieves and robbers. We hear about them every day. It's the ones that we don&#...

The Insurance Cowboy: The Cost of LOST OPPORTUNITIES

The Insurance Cowboy: The Cost of LOST OPPORTUNITIES: Unfortunately our society has become inundated with thieves and robbers. We hear about them every day. It's the ones that we don&#...

The Cost of LOST OPPORTUNITIES

Unfortunately our society has become inundated with thieves and robbers. We hear about them every day. It's the ones that we don't hear about that concern me. Normally we are "robbed" by some other individual. We often "rob" ourselves. You might ask, "is that even possible"? Unfortunately it is, and Yes we rob ourselves in one way or another on a daily basis and we don't even know it.

     We rob ourselves physically, emotionally, spiritually, and worst of all Financially.  NO, we don't reach in one pocket, take money out and put it in the other pocket, that would be absurd. The robbery that I would like to talk about is "Financial Robbery" committed by ourselves. There are no masks or guns and it doesn't even show up on our balance sheet, yet we are, nonetheless VICTIMS of "LOST OPPORTUNITIES" and there is always a COST or loss to us individually. We therefore are guilty of Robbing ourselves of a great deal of money among other things .

     Most, if not all people today are guilty of the "Ostrich Syndrome" or in other words the art of burying ones head in the sands of complacency deeply enough as to miss the opportunities of Life. Complacency has NEVER equated to Success in any aspect of Life. Complacency and Entitlement are the "Cancers of our day and age". People with these attitudes are always commenting on how "LUCKY" the other guy is. What is the definition of Luck? "Luck is where Preparation meets Opportunity". Those who are prepared to move quickly when the opportunity arises are the same ones who are financially stable. A perfect example is the 8 or so Families that own 80-90% of ALL THE BANKS in the world today. They did not get there by burying their heads in the sand. They were prepared and took advantage when opportunities arose. BANKS encourage people to Save their money and put it in CD's or Money Market Accounts and ask us to be patient while it slowly accrues interest. BANKERS do just the opposite and take every opportunity to "Move their money", keeping it lent out and gaining more interest than they are paying out. This is called "The Velocity of Money".  Wouldn't it be Awesome if we could utilize our money like the Banker and the owners of all those Banks do? A great man named R. Nelson Nash developed a methodology for doing just that...."Becoming our own Banker". For years he taught those willing to be open to Opportunity how to create their own Family Banking System. In his book "Becoming Your Own Banker" he shares the process and theory for accomplishing just exactly that of "Becoming Your Own Banker".

     14 Years ago a great visionary Insurance Agent armed with a shared passion for Banking, took it upon himself to change the lives of everyone who would listen and recognize opportunity when they saw it, he began to help people Create Wealth coupled and establish a Legacy of Family Banking to be passed on from generation to generation. That man is Joe Pantozzi who currently resides in Las Vegas Nevada and owns the firm of Alpha & Omega Financial Services. R. Nelson Nash and Joe Pantozzi, among others, are giving families Financial Freedom in ways that only the wealthiest Bank Owners are aware.

     This is just one of many "LOST OPPORTUNITY COSTS" that plague our lives today. Are you tired of Missing out on Opportunities? Call today and Learn the Secrets that Bankers and Bank Owners know. "Common Sense Economics-Changing lives Forever" Call 702-430-4400

The Insurance Cowboy: Are Banks Banking on our Stupidity to make a Profi...

The Insurance Cowboy: Are Banks Banking on our Stupidity to make a Profi...: Why do Banks encourage us to do one thing with our money and then they do just the opposite? The answer....to make money off of OUR MONEY ....

Are Banks Banking on our Stupidity to make a Profit at OUR EXPENSE? We have not learned much since the Depression.

Why do Banks encourage us to do one thing with our money and then they do just the opposite? The answer....to make money off of OUR MONEY. Do you find that a bit hard to swallow? The banks want us to put our money in their bank and then they lend it out and make money from OUR MONEY. Yet when we need money, we have to go through the scrutiny to see if we qualify to BORROW our own money. Yes, we can take it out of the bank, but if we do, we no longer make any interest on OUR MONEY. For every dollar that banks take in as a deposit, they lend that same amount back out multiple times. If we did that we would be locked up. The problem is not that the banks do this.....the real problem is that they are great at teaching us how to get INTO DEBT, but no one teaches how to get OUT OF DEBIT. If we used our money the same way banks do, we would get financially healthy quickly. The majority of the banks today are owned by something like 8 families. Their wealth is staggering. They understand the banking system and how to apply it to their own personal bank accounts. Wouldn't it be great if we could all have our own personal banking system where we financed our own cars, homes, credit cards, boats etc.? There is hope! You can create and maintain your own Personal Banking System. Can you imagine recapturing all the interest that you currently pay for your financed purchases? Best of all, when you borrow from your own Personal Bank, your money gains interest as if you had borrowed NOTHING. Your money is more liquid, has major tax benefits and can be withdrawn with NO PENALTIES. On average, people today, pay 35% of their check to some sort of interest every month. The concept of "The Velocity of Money" is incredible. If you want to know more, email me at marlonc@call-associates.com. Let's get Banking!!

The Insurance Cowboy: Is The Race for Headlines Driving The Decline In N...

The Insurance Cowboy: Is The Race for Headlines Driving The Decline In N...: Abuse comes in many forms and fashions. Definitions have become very broad and confusing. Knowingly abusing people comes with severe consequ...

Is The Race for Headlines Driving The Decline In National Confidence

Abuse comes in many forms and fashions. Definitions have become very broad and confusing. Knowingly abusing people comes with severe consequences....unless you hide behind the cloak called "Media". What the Media is doing to those who have (possibly) lost loved ones, should be criminal at best. Hopefully, those families are getting different information than the rest of the world. The confusion and vacillation is, in and of itself, is abusive. Malaysian Flight 370 suspected debris seems to be a pawn being played by the Media. Media reports, sound conclusive, and then follow up with statements of "no conclusive evidence" is found. Then to convey information by "TEXT" certainly adds to the criminality of the "Media ABUSE" on those who are missing loved ones.
         Coverage of the G8 Summit, Mudslides, Crimea and Russia, Naval Base Shooting, and much much more are issue that the Media uses to control the Confidence of our Great Country and Economy. Confusion and uncertainty "Spin" the hope of recovery totally out of control and out of our minds. It is scary to recognize the power and effect that the Media has on our state of mind which controls out state of Economic Health. Lack of confidence in our Economy is in fact, what put this great country into it's Recession. When UNCERTAINTY runs rampid, people "tense up" and quit spending. This reduces the volume of money through the market places which effects profits and losses. Like wise, when Confidence grows, the money, formerly being held back, begins to flow which increases Consumer Confidence and the Nation begins to recover. Whose Agenda is driving the Media to "Control" Consumer Confidence, which in turn Drives our Recovery or Demise? Being aware of the Media manipulation is the beginning to our" Grassroots Self Elevation" efforts to return this Country's Greatness.

The Insurance Cowboy: "The Hand That Rocks The Cradle...Rules The World"...

The Insurance Cowboy: "The Hand That Rocks The Cradle...Rules The World"...: This Blog is about Respecting the Power of the Women in our lives. As a Boy Scout I was taught to be respectful especially around Women. As ...

"The Hand That Rocks The Cradle...Rules The World" Respecting Women for who they really are!

This Blog is about Respecting the Power of the Women in our lives. As a Boy Scout I was taught to be respectful especially around Women. As I became older, The Cowboy Code taught me the same thing. When I got married I realized the importance of those Life Lessons. WOW. It amazed me that women were surprised when I would open a door or allow them to enter first. Thank Heaven for "Goodly Parents". Every Woman is someones Daughter and is a Daughter of God. When we look at women we really need to recognize them as someones Daughter and treat them as such. Many of us have Daughters and would fight to the death to protect them. Why then do we sometimes verbally, physically, and mentally abuse them? Even a condescending word or comment can be extremely destructive. We can not "Un-ring a bell". At a young age a teacher brought into class a beautiful wedding cake fully decorated. It was gorgeous and looked delicious. The teacher ask if anyone wanted cake? Naturally everyone raised their hand. I watched as he carefully cut the cake and prepared the plate for it to go on. Then he grabbed the slice with his hand, squished it and placed it on the plate and asked, "who wants the first slice"? Not one hand went up. Many of our women today have had their beauty soiled and mistreated and have forgotten how beautiful they REALLY are. This lesson has stuck with me for years and yes, I to need to remember to treat "someones Daughter with respect for the person she is. Next time you want to hurt or belittle ANY woman, Please remember that it could be your Daughter that it is happening to. Always remember....."The Hand That Rocks The Cradle, Rules The World".

The Insurance Cowboy: GDP....Gross Domestic Products. Nations are Measur...

The Insurance Cowboy: GDP....Gross Domestic Products. Nations are Measur...: Economics in Politics is one of the proverbial "Hot Potatoes" of the day. It is an indicator of the of a Nations collective health...

GDP....Gross Domestic Products. Nations are Measured. Where do we Individually Measure up?

Economics in Politics is one of the proverbial "Hot Potatoes" of the day. It is an indicator of the of a Nations collective health in regards to production of goods and services. Politicians use this number to as a general gage of productivity. Drilling down a bit deeper, it is an indication of the health of our business attitudes and environment. This in depth look will reveal the strength or weakness of the business owners drive, commitment, and comfort level with the future of the economy. Drill down a bit deeper and you will discover the comfort and commitment level of the employees of that same company. Drill down a bit further and you will see the Core Values and Commitment level of FAMILIES! The Comfort level, or lack there of, is very evident. Think about it, when our GDP (Gross Domestic Products) numbers are down, it ultimately is a reflection on Families. Individually, there is seemingly little we can do to have a profound effect on our Nations GDP, at least in the "eating an elephant" perspective. I propose that we can have a huge effect on our nations GDP. It may not show up over night but it can happen quickly as in the case of "Compounding Interest". The Domino Effect can change our entire world. OK, so how do we change? Implementing new "Tiny Habits" in our lives. Proactively looking at our undesirable habits is a perfect place to start. It may be as simple as brushing or flossing our teeth, or hanging up our clothes when we come home from work. It's turning off the TV during dinner and TALKING to our children about their day and how they are doing. The important thing to remember is that we need to start with the small things which take less than 30 seconds to do and require NO WILLPOWER. The real power of these ridiculously simple adjustments is "SUCCESS MOMENTUM". The sub-conscious mind does not know the difference between a Huge success and a Small success. Repetition of small successes breeds bigger and bigger successes and the momentum also grows. When we build our selves, we build our families. When we build our families we build our employers. When we build our employers production goes up. As production goes up so does our GDP numbers and a sense of Confidence and Belief in  our Country and our Society goes up as well. "Success Momentum" is more powerful than any bomb ever created or ever will be created, but it all starts with ME and YOU TODAY!!! Let's make a difference!!

The Insurance Cowboy: Slight of Hand and the Shell Game

The Insurance Cowboy: Slight of Hand and the Shell Game: I remember as a very young man watching magic tricks. I was always blown away by how thing appeared and disappeared. Trip to Disneyland beca...

Derailing the Intentional Distractions Designed to Obscure the Truth & STRIP Us of our CORE VALUES>

I remember as a very young man watching magic tricks. I was always blown away by how thing appeared and disappeared. Trip to Disneyland became extremely important to me once I discovered the "Magic Shop". I bought many magic tricks and read about magic and how to distract with one hand so no one noticed what the other hand was doing. "Shell Games" amazed me by the need to carefully watch the ball and where it was going. I always guessed wrong. AAH... the "slight of hand".
     After many years of dealing with the "slight of hand" in business and other venues, I realize the power of the mind, our attention, and the occupation of our opinions. One of the great War Strategies was (and still is) the ART of  "DIVIDE and CONQUER". Yes I do believe it is an ART, a learned skill. The "Shell Game" I think is a game of Divide and Conquer of our minds and our attention. I can't help but wonder as I look at the world today (and over the past many years) and wonder if we are not Living in a "Shell Game". The distractions today are impossible to ignore, yet what is going on just outside of our view? Relinquishing control of the Internet is just one of the many distractions that may be keeping us occupied and unconscious to the bigger things that may be looming over our heads. Maybe it is time to look up from the grind stone and look past the obvious major issues that occupy of time, concentration, conversation, and our emotional energy. Going back to the Basic Core Values of Decency,  has always been the "RESET" button for our lives. Let's find our "RESET" button for our own lives and become better aware of what is happening around us on a daily basis.

The Insurance Cowboy: Are you feeling Hostage to the" Out of Control"???...

The Insurance Cowboy: Are you feeling Hostage to the" Out of Control"???...: Frustration expresses just the tip of the iceberg when it comes to the ever changing events in our world today. If I let myself get caught u...

Are you feeling Hostage to the" Out of Control"????

Frustration expresses just the tip of the iceberg when it comes to the ever changing events in our world today. If I let myself get caught up in it, it could drive a good man to drugs or alcohol. A great man once said, "Lift where you stand".  I certainly could not lift a Baby Grand Piano by myself, but with enough willing hands lifting from where they stand, the job can get done. Collective action can make miracles happen. The fear is that since we feel so minuscule in our abilities to bring about change, that we "Give Up" and Give In". we can not change the world as a whole but we can change our selves and our family. living an exemplary everyday live will not help the Malaysian jet to be found or to reduce or add Sanctions to Russia, but it will create a place of refuge for our spouses and our children. Heaven on earth is one of the most valuable commodities in our world today. We need to be cognisant of not "Bringing it Home" with us after a particularly rough day. Life's issues need to stay at the door right next to our shoes. Faith and Hope is the language that needs to be spoken in our homes. Our children have enough negative to deal with in their everyday lives that they don't need their problems compounded by the negativity of those whom they look to for support and peacefulness. We can change our world if we will but "Lift where we Stand" and encourage and teach our children to do the same. Repetition of good in our homes will change the world eventually. Bruce Lee said "I don't fear the man who has practiced 10,000 kicks once, but I do fear the man who has practiced one kick 10,000 times. May we all find the courage to "Lift Where we Stand".

The Insurance Cowboy: Can 2 Pendulums of different length and weight, sw...

The Insurance Cowboy: Can 2 Pendulums of different length and weight, sw...: Can 2 pendulums, attached at the same points, with differing weights and lengths, swing in Unison? Incredibly...YES. It is a phenomenon call...

Can 2 Pendulums of different length and weight, swing in Unison?

Can 2 pendulums, attached at the same points, with differing weights and lengths, swing in Unison? Incredibly...YES. It is a phenomenon called" ENTRAINMENT". Yup entrainment. Up until this past week, it was new to me also. I was told that no one knows why. If you swing the pendulums at random different speeds and directions, they will eventually pair up and swing in perfect unison and rhythm.
        People are no different, over time you and I will become just like the people we hang around with. You may be very positive, but if you hang around with negative people you will find yourself being negative also. What about our mind and thoughts? No matter what we are talking about, it is said that we ALWAYS think it, before we do, say, or become it. We are what we think about. We are what we focus on.
        Horse are no different, they learn by repetition. My horse, Yogi, has been trained by repetition to take 1 bite of food and then back off when we enter his stall at feeding time. "That which we persist in doing gets easier, not that the nature of the task has changed, but our ability to accomplish the task has". My mentor, friend and roping buddy Kevin, always said"Marlon, you will never ride any better than the people you ride with". Entrainment is certainly proof positive that it is true. Depression breeds depression, negativity breeds negativity, and positive breeds positive. A wise man once told me "Keep your face towards the sun and ALL the shadows will fall behind".
     

The Insurance Cowboy: HERO's..To whom are we a HERO

The Insurance Cowboy: HERO's..To whom are we a HERO: As a very young boy I loved to watch" #The Lone Ranger" and" #Roy Rogers " and as I got a little older it was "Bon...

The Insurance Cowboy: Uninsured/ Underinsured Motorist Coverage...Myth o...

The Insurance Cowboy: Uninsured/ Underinsured Motorist Coverage...Myth o...: #Uninsured/ Underinsured #coverage is one of the most #misunderstood coverages on an #automobile policy. It is so misunderstood that it appr...

Uninsured/ Underinsured Motorist Coverage...Myth or Mystery

#Uninsured/ Underinsured #coverage is one of the most #misunderstood coverages on an #automobile policy. It is so misunderstood that it approaches "Myth" status. It seems to be a "Mystery" since #agents seldom explain it. In my opinion, it is the second most important coverage of your auto insurance. It Protects you in the event that the driver of the other car ( who has hit you and it is their fault) has NO #liability insurance or has to little liability insurance to cover all of your medical bills, lost income, pain and suffering, and more. If this case occurs then YOUR own #uninsured/ underinsured motorist coverage will kick in to make you whole but only up to the limits of your policy. There is one level of coverage that could prove to be a pitfall in your policy, if your UM/UIM coverage is the lowest coverage, 15/30, then the only time your policy will pay anything is if the "at fault" driver has NO Bodily Injury Liability coverage at all
     It is highly recommended that your UM/UIM coverage be equal to your Bodily Injury Liability coverage limits. UM/UIM coverage can not be higher than your Bodily Injury Liability in most, if not all, cases. If your Agent has not discussed this with you and recommended that the coverages be equal, you should RUN, not walk, but run and find an Agent that will explain every aspect of your policy to you so that YOU can make your own Wise, Intelligent, Informed decisions. If your agent did not tell you about this, what else has he or she neglected to tell you about?
    Remember, When you Saddle Up with The Insurance Cowboy, you'll never ride alone!!.

The Insurance Cowboy: What the Insurance Companies DON"T want you to kno...

The Insurance Cowboy: What the Insurance Companies DON"T want you to kno...: In life, it's what we don't know that will hurt us. if you are like me, I always wonder what I am not being told. Whether it is News...

What the Insurance Companies DON"T want you to know.

In life, it's what we don't know that will hurt us. if you are like me, I always wonder what I am not being told. Whether it is News, Political Commentary, or someone trying to sell me something, I always want to know the Pros and Con"s before I decide. Since I am The Insurance Cowboy and live by a strict code of Ethics, I wanted to share this topic with you. First of all the bulk of Car Insurance premiums are at the low end of coverages. Doubling you Bodily Injury Liability coverage does NOT double your premium. The higher Liability coverages give you the better value. The question is how much coverage do you need. That can best be answered by a trusted Insurance Advisor such as I. Many homes have been lost and paychecks garnished due to low Bodily Injury liability Coverages on you car. Yes, car insurance can affect your home and business in a very negative way. Another area of concern is UnInsured and UnderInsured Motorist coverage. This coverage protects YOU from someone hitting you and injuring you who has NO INSURANCE or NOT ENOUGH INSURANCE to take care of your injuries, lost income, and pain and suffering. This coverage is referred to as UM/ UIM and should always be equal to your Bodily Injury Liability coverage. DO NOT EVER PURCHASE 15/30 Bodily Injury or 15/30 UM/UIM. These low limits are extremely dangerous and should seldom if ever exist. CALL ME and I will explain it all to you. One final area that needs to be discussed is "Umbrella's". These coverages are normally 1 Million dollar increments. This "Umbrella" protects YOU in the event you are found to be at fault. It is additional coverage to your Bodily Injury Liability limits. The general rule of thumb with the companies that I represent is that the cost is aprox. $50 per car and $50 per house annual premium.So for 2 cars and 1 home the cost could be aprox. $150.00 per year for 1 million dollars of protection. That is a Smokin Hot Deal! That is why Insurance Companies don't really want you to know about them. Would you be willing to put up 1 million of your own money for $150.00 per year?? Not me. Be wise in insuring your most valuable assets by asking The Insurance Cowboy for some Honest advice from a truly Honest Trusted Advisor. I can be reached at 702-203-5954 or email marlonc@call-associates.com, or speak to your own agent. Remember, "Insurance is one of those things where you never know how good or bad it is till you need it....but then it's too late".
CALL ME TODAY