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Kick FEAR to the Curb NOW with 3 Bravery Tips











When I look back on #TBT, sometimes I see pictures of myself when I was very young or in college, and what I see leaves me with mixed feelings.

Have you ever see the look of fear in someone’s eyes? Now picture the look of joy. And now the look of contentment …happiness, if you will. They’re easily recognizable, right?

By the time I was a young adult, fear pretty much ruled my day. I knew it. I could feel it a lot of the time. Finally, at the age of 27, I decided I wasn’t going to let fear rule my life and steal my joy, success, and freedom.

Easier said than done, right? As much as we want to step out of fear, it still keeps its grip on us.

Here are 3 simple tips to help put fear behind you and keep you moving forward.

  1. The first moment you realize you’re afraid, STOP. Take a moment to take breath two deeps breaths and clear your head. Separate yourself from the situation.
  2. Then, ask yourself what is really going on? Looking at the situation as an observer, is there something to truly fear NOW or is this an automated response for you?

    Once you get your answers,

  3. See yourself doing what it is you need to do in a supportive setting. SEE it in your mind. Run the successful scenario like a film through your head a few times until you own it.

Now you’re ready to go back with courage and strength as you’ve already seen yourself successfully moving through the now, non-existent barrier.

I know this works because I’ve been using this method to control my fear for decades. When I look at #TBT, it gives me cause for celebration ~ that young woman has been healed!

Are you being held back by fear? What do you see in your pictures?

You can do it! I believe in YOU!

Money Savvy Woman, Inc. © 2015

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Are You Asking for Trouble?

Photo credit-tang90246Anyone who’s been defrauded of their cash, investments, nest egg, or everything they’ve got, can most likely say, “I never saw it coming. I believed in …” whomever got them involved in the scam.

The point of this blog is to make you aware of the five main categories white-collar criminal use to separate you from your money. For the sake of ease, I’ll call the criminal a con or con artist, and the victim, a “mark.”

  1. Pyramid schemes. So often I hear people say that multi-level marketing (MLM) companies are “pyramid schemes.” A genuine MLM company doesn’t function like a pyramid scheme. Here’s the difference: MLMs sell a product directly to a consumer; they often offer an opportunity to create a “down-line” of sales people that will also sell products to consumers and give a percentage of the sales of their down-line as compensation for “sharing the business opportunity.” This is the nature of a multi-level marketing firm. 

    A pyramid scheme is clearly different. It starts with eight (8) investors who bring a required amount of cash as an investment to the deal for the promise of a return on their investment. Each investor brings in another eight investors. The newest investors’ monies payback the initial investment plus the promised returns to the previous level’s investors. But, it becomes increasingly impossible to recruit a new line of investors rather quickly. When looking at the math, Level 1 recruits 8 people, Level 2 recruits 8 each totaling 64, Level 3 recruits 512 “investors”, and by the time you get to Level 8, over 16 million recruited investors are needed to keep the pyramid going. Recruiters are looking for “investors,” not consumers seeking a product for sale. In a pyramid, there isn’t a product to sell. It’s almost always an offer to make a large return on a small investment very quickly.

    If someone approaches you with on offer to invest a small amount of money for an unrealistic return on your investment in a very short period of time, but requires you to bring in eight people, DO NOT GET INVOLVED AND NOTIFY THE AUTHORITIES.

  2. Ponzi Schemes. Ponzi schemes are somewhat related to the Pyramid Schemes by the fact that they require a constant inflow of cash. However, where they differ is “marks” aren’t asked to recruit anyone into the scheme. The con artist simply cons more and more people out of their money to pay the “returns” to the previously conned. When the incoming cash flow dries up, the con artist can’t make the promised payments and the scheme falls apart. The con artists often pose as investment advisors and do a good job of playing the part, including having offices, official looking paperwork resembling that of legitimate investment companies, and possess the trappings of wealth.


  3. “Pump and Dump” Schemes. These cons are often introduced through email or text messages. I like to sum them up as “have I got a great investment for you!” They search out a very low cost stock of a mediocre firm, get a lot of “marks” to “invest” driving of the price of this otherwise worthless stock. Once the price is driven up enough to net the con artist a tidy sum of money when they sell their shares, (remember these shares are the very first ones purchased at the lowest price), they sell their shares and disappear. Without the interest and activity generated by the con artist in the stock, its price falls very quickly leaving the “marks” with a worthless investment.


  4. Advance Fee Fraud. In this scenario, the con calls the “mark” and offers to help them recoup the loss on a poorly performing stock. The kicker is, a fee must be paid in advance of this loss-saving measure being put into action. Once the payment is made, the con is gone, as is the mark’s money. The fee is lost and the loss is never recovered.


  5. Offshore Scams. These are introduced a lot of the time through email. They can take several forms, including those above. But many manipulate Regulation S, a law put in place by the U.S. Securities Exchange Commission. They sound completely legit, just like every other con, but since they’re located outside the U.S., there isn’t much U.S. law enforcement can do to investigate or help retrieve lost monies.

These descriptions are very brief and certainly not inclusive of all the idiosyncrasies of each plot to defraud. You can find more detailed information on the FINRA website here.

The thing to remember is this, if it sounds too good to be true, it probably is. Do your homework. Protect yourself. Proceed with caution. Investigate the advisor here. Investigate an insurance agent here. A great place to find out more about investor fraud and how you can protect yourself is here.

Remember, it’s your money, your rules your way!

You can do it! I believe in YOU!

Money Savvy Woman © 2015