Are You Prepared for a “Bankacolypse”?

Again, Welcome to the 21st century.

With the recent financial troubles in Greece, their banks running out of cash, and their desperate need for loans in order to keep operating[i] … it begs the question:

What if our banks in the U.S. were to collapse?

Prepare Your Money Harbor InstituteWhether or not the question seems like one of those that we should never ask, it doesn’t hurt to examine the possibility.  You never know, with our recent economic woes and certain cyclical trends that predict a downturn in the markets later this year, you should be prepared.

Are you prepared?

If all the banks in the United States collapsed at the same time, even the FDIC wouldn’t be of much use.  So, you should have an “exit plan” of sorts just in case, because…

If a “Bankacolypse” happens, chaos is the only thing that is guaranteed…

It’s not a comfortable subject to talk about, but the possibility of banks in the United States collapsing is very real, even if the chances of it happening tomorrow aren’t great.

Let’s face reality, in 2008 we discovered that our economic system, including the banks, is being run by some people who should be in jail … but aren’t.

So if banks ever do start to collapse, the ripple effects will be more concerning than just your money suddenly becoming worthless.

Here are just a few of these ripple effects, then I will share some preparedness tips to help you and your family protect themselves during the resulting chaos:

  • Food and utilities you rely on won’t be reliable. Without the banking system utilities could be shut off for quite some time.  The same is true for the trucking systems that bring food and water to your grocery stores.
  • Some people will start to panic. Unprepared people might start to do crazy things while they are in a panic state, as money won’t get them the solutions they are looking for.
  • Banks will panic. They will call mortgages, freeze savings accounts, etc…
  • And on, and on…

So what are you to do about this insanity?

Some tips to protect yourself and your family…

Obviously, if the situation is dire enough no measure of preparedness will save anyone.  Let’s hope it doesn’t come to that.

But you can prepare yourself the best way you can if banks do start going under one after another.  Here are some basic tips to get you started…

  • Get a passport if you don’t already have one. Update it if you do.  Getting a passport takes time, and if you need to get out of our country, you need one.
  • Keep a close eye on FDIC guidelines. It’s important you know what your rights are if the banks do collapse, so you can pull as much out as possible.
  • Get a fire and water proof box, and put all of your important legal documents inside it. This can be a life-saver if you need to prove who you are, or get somewhere where it’s required that you do.
  • Actually take the time to build a disaster preparedness kit. Don’t just think about it, do it.  Most people won’t, and you’ll be a mile ahead of those people if you do (see FEMA’s advice about these here to start your homework).
  • Have a family emergency plan, meeting place, and collect your resources. You have to know how to get to, and where you will all go during civil unrest (before it happens).  Also, you must collect your gold, silver, and other precious metals in a safe place (because people will try to steal them during dire circumstances).

These basic tips should get you a good start.  Do more homework yourself, use Google, and look into emergency preparedness as a topic, etc…

It’s not “fun” to do, but if you’re prepared on even a basic level, it will be helpful.

But did you discover the hidden lesson in this post?

The hidden lesson is simply not to rely solely on banks and the various Government institutions to protect you and your family from situations that are out of your control.

Instead, you need to start taking control of your financial well-being, including your retirement, business, and personal assets.  In certain situations, you might even need to become self-reliant altogether (like possibly learning “The 5 secret words to ask your broker, so you can quit paying “the hidden 401k price tag”, for example).

At The Harbor Institute, we have a number of resources (both free and paid) that we make available for you to start on the path to self-reliance.  We encourage you to do your homework, and start putting the success of your financial well-being squarely in your own hands.

Want more?
Start with our newest report, Pay Less – Keep More … where we reveal how to pay a LOT less in taxes, and how to make your business and personal assets as “bullet-proof” and secure as possible.Plus it includes a link to a very special presentation that shows you how to buy stocks, invest in real estate, and how to build your retirement 100% tax-free for LIFE…


Wealth From Between The Covers

Concept of businessman and tax problem

Concept of businessman and tax problem

How to Extract the Maximum Possible Wealth From Between The Covers

We have so much opportunity and wealth available to us, that I think sometimes we take it for granted.

There is a huge goldmine of wealth trapped in between the covers … of books.  That’s where some of the thinking that inspires billionaires comes from.

Tablet Money Harbor InstituteThink about it, in books, you have the opportunity to read some type of perspective or story written by another person.  Multiplied by the number of books available, and you have a wealth of information to experience.

But this is the era of technology, so you not only have books, now you have blogs (just different “covers” to read between), video, and other educational material to draw from.

The depth of perspective, knowledge, science, stories and more that you have is immense.  This provides you wealth in ways not imagined before.

Wealth from reading can be measured in 3 distinct ways that have nothing to do with money (but are worth more)…

Money is only one part of wealth.

Other parts include your perception, emotional acuity, raw intelligence, and awareness.  Add the strength of your relationships and your health … and you have the more important “stuff” – than money alone.

If you leave your curiosity unsatisfied, or your relationships and health suffer … then money doesn’t mean much.  Also, a life like that is more expensive to maintain.

The good thing is reading books improve these more non-tangible parts of your life dramatically.

We’re going to cover 3 specific improvements that reading impacts:

Increased intelligence.

Reading books increases your intelligence, your ability to solve problems, and your awareness of the world.  Reading a variety of books from different categories (both fiction and non-fiction) can stimulate and expand your understanding of complex topics that most people will never strive to understand.  Not to mention, your imagination and creativity will benefit.

Better health.

When you increase your mental health through reading, your overall health improves.  But more than that, studies have shown that reading books decreases your stress levels up to 67%.  Decreased stress has a number of desirable ripple effects like better heart health, reduced blood pressure, and improved digestion.

Not to mention, reading can improve your overall mindset, which has benefits to your health as well.

Better relationships

Studies have shown that reading fictional stories can increase empathy towards other people.  Plus, you can dive into reading non-fiction that covers areas like how to improve your relationships overall (psychology, sociology, culture etc…).

Obviously, I’ve only given a broad overview of each of these 3 ways that reading improves your overall wealth.  But from this broad overview you can clearly see the benefits when compared with someone who doesn’t read.

The sad reality is most people haven’t read a book since high school.  Most of those who do read a book of some type put it down before they finish 20 pages.

You aren’t most people, so let’s cover some “how to put this to work” in your life options…

5 tips to help maximize this “between the covers” personal wealth opportunity…

Obviously, reading just anything won’t provide you the wealth that other people (including billionaires like Bill Gates) have gotten from “between the covers.”

So, here are 5 tips that show how you can get started – on the path of maximizing your “reading wealth” journey:

1. Read challenging books that expand your mind.

In order to expand your awareness of the world, you must analyze different viewpoints, industries, writing styles and more.  Read more than just books that are “at your level,” instead you should read a bit past your level, at least some of the time.

2. Read fiction, at least occasionally.

Most people, who read to learn, fail to break that non-fiction reading up by reading a work of fiction.  It’s important to expand your imagination to include stories being told by other people.

3. Write about what you read (start a blog).

Finding a creative outlet for the mind-expanding world of reading is as important as the reading itself.  When you begin to fill your mind with new ideas, having an outlet for those ideas is important to your new-found wealth.  Starting a blog is one approach that can help in that area (use Blogger, Medium, or to get started for free).

4. Discuss what you read in a reading group.

Don’t do this alone.  Fiction or non-fiction, joining a reading group (or starting one of your own) can help you both express ideas about what you’re reading … and generate new ones from the perspective of other people in your group.  Also, you could develop relationships that can improve your life as a result of being part of a reading group.

5. Pick topics you’re not comfortable with.

As an extension of tip #1, finding topics you might not be comfortable with and reading about those can help broaden your perspective of the world in amazing ways.

You can clearly see that “between the covers” lays a massive opportunity to develop the kind of wealth that doesn’t get “spent” like monetary wealth.  This new wealth can last a lifetime, and can exponentially help with your personal development.

That, in the end, can help you earn more money than you ever thought possible.  This is the century of ideas, and now you have the basic tools to exploit it for all it’s worth.

What Just Happened To Google Ads

Google is removing the ads on the right side of the search results.  This should create a more uniform look with the desktop and mobile devices.  There are other changes that are being implemented right away–3 or 4 ads above the fold line of the search result.


In the past, Google ads were all over the page, on the right side, top and bottom.  Now with this change, the right side or gutter will be reserved for Google Products Listing ads.  It has been in  testing these changes for at least 6 years abroad. Google has stated that this move is global and permanent.


So what precipitated the change?  First one must understand how the ads above the fold line work.  There is a charge for each time the ad is clicked.  With that in mind, you can see that those clicks will now cost more than in the past.  One can only surmise that this is a great financial move for Google, however the small business owner will feel the pain.


So what is the small business owner to do?  One solution is to spend your advertising dollars by purchasing leads and directly.  The leads can be prescreened to be sure they are interested in products like yours.  One such company doing this is Harbor City.  They are checking the leads for legitimacy and to be sure that they are predisposed to your kind of product or service.  It only makes sense to spend wiser and buying leads seems to be the smart way to go.


Other opinions are that they must go on the offensive by using Search Engine Optimization. SEO is the practice of promoting your business to the top of the list when a search for your type business is implemented.  There is a protocol for doing that.  It can be learned or there are companies out there that will do the footwork for you.  Either way, it is imperative that you get onboard with SEO or be prepared to bump up that advertising budget.
Google has certainly garnered a lot of attention with this move and as previously stated they are insistent that it is not going away.   My very best advice is to get onboard and check out the lead generation process and or Search Engine Optimization.

Harbor City Founder to Keynote Investment Tactics of the Ultrawealthy

World-Renowned Dealmaker JP Maroney to Keynote “Hush Hush” Conference, Teaching Investment Tactics of the Ultrawealthy JP Maroney, American entrepreneur, investor and philanthropist, will keynote the Hush Hush Secrets of the Ultrawealthy investment conference April 9-13 in Las Vegas.

The conference offers a variety of speakers, roundtables and collaborative training detailing how the average investor can use the tactics of the Ultrawealthy to increase their investment returns.

Maroney is the founder and CEO of boutique investment fund Harbor City Capital Management, which since its 2013 opening has produced an ROI greater than 30 % on average. Maroney will speak on the Harbor City Fund, and how it makes money by providing sales leads to client companies.

Those leads are generated using Harbor City’s proprietary online advertising model, at at a cost lower than what the clients pay HCC.

Maroney has more than 25 years of starting, building, buying and selling companies in publishing, media, advertising, software, ecommerce, textiles, training, real estate and consulting.

The premier informational and wealth-building forum, the Hush Hush conference will teach business owners, investors & entrepreneurs how to:

  • drive more traffic, leads, and customers to their business and convert more sales.
  • create more wealth, and learn how to keep it and protect it from the IRS.

Conference sessions include “Double and Triple Digit Returns in a Single Digit Economy,” “How to Make Profits in Any Market”, and one-on-one collaborations with billionaires’ investment experts. More than 3,000 individuals have attended and benefited from previous Hush events.

Hush is a national conglomerate that includes legal, tax, financial, and business consulting professionals who share their secrets of working with the ultra wealthy to help improve individuals’ investment strategies. Hush and its associates have spoken before some of the largest real estate, investment, and wealth building organizations in the world, and continue to be advisors to many of those organizations members.

The conference venue is the 4½ star M Resort Spa and Casino, the newest casino property in Vegas. Some proceeds from the conference will benefit charity.

Harbor City Capital Signs 5-year, $100 Million Funding Deal with Global DMA518

FLORIDA, Feb. 18, 2015 /PRNewswire-iReach/ -- Harbor City Capital Management (HCC) has announced that they have signed a 5 year, $100 Million funding agreement with a global group of investors, Global DMA518. The capital will be deployed by HCC using it's proprietary Digital Marketing Arbitrage program (DMA). 

The Digital Marketing Arbitrage model was developed by Harbor City Capital CEO JP Maroney to capitalize on market inefficiencies in the online advertising industry. Companies contract with Responzive, Harbor City Capital's digital marketing unit, to be provided with sales leads, which are generated by using their online advertising model at a lower cost than which HCC is being paid for them.
 Full article

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