Less Taxes, More Small Business Revenue

How To Start Using The Elite “Fort Knox” Strategy To Pay Less Taxes, Keep More Small Business Revenue, And Protect Your Business and Personal Assets…

Whether you’re just starting a small business, or you’ve been in business for 10 years, you need to pay close attention to this article.

Because the information about to be revealed will protect your business from lawsuits, crazy people, and even the I.R.S. itself.

It will allow you to keep more revenue instead of shoveling it out on your annual tax bill or paying a team of lawyers to defend you in court.

The best part is this Elite “Fort Knox” Strategy is simple to implement.  You can even start today if you would like.

This strategy involves two options, and each option has three “layers.”

Choose Your Own Adventure Harbor InstituteNow it’s time to choose your own adventure…

The two strategies to choose from, each part of this Elite “Fort Knox” Strategy, have their own use.

One is called the “C Vault Strategy,” and one is called the “S Vault Strategy.”

Since you either are starting a small business, or have currently operated one for some time, you can probably recognize that each strategy seems similar to a form of corporate structure.  A “C” corporation … or a “S” corporation.

And you would be right, and most business owners or executives stop there (forming one of the two corporation types).

That’s where we take this to the next level and turn this into a strategy that is as secure as Fort Knox…

The layers of protection you need for each Vault Strategy to work, and secure your business assets like Fort Knox…

The “C Vault Strategy” Layers of Protection:  This strategy starts by providing superior liability protection for businesses and owners by separating the risks associated with the core operating business, from the risks associated with the individual owner(s) of the business, in two distinct ways…

To begin, this strategy adds the same level of asset protection inherent to basic incorporation in its first layer, while providing an additional layer for “ultimate” protection.

This strategy also provides a forward-thinking estate planning solution designed to facilitate the distribution of the business’ assets to designated beneficiaries selected by the business owner(s) upon the death of the business owner(s).  This, while also providing business continuity in the event you or another co-owner is incapacitated.

The “S Vault Strategy” Layers of Protection:

Like Vault “C” this strategy also provides liability protection for businesses and owners by separating the risks associated with the core operating business, from the risks associated with the individual owner(s) of the business.

It provides this level of asset security by using the “corporate veil”.  This strategy also provides an additional level of privacy for the business owner(s), which will be explained in detail on our newest special report – The “Fort Knox” Protection Strategy.

This strategy uses the same methodology for continual operation of the business in the case of incapacitate of the business owner(s).

But obviously, having the proper guidance and advice when it comes to protecting your small business is a large and complex topic for just one article.

This article only represents a small sliver of the immense volume of tactics, strategies, and business asset-securing knowledge we offer to our Members.

Avoid Feeling Poor When You Are Rich

How to Avoid Feeling Poor In a 10,000 Square-Foot House…

Almost everyone who hasn’t yet experienced monetary wealth has a dream of the “big house” and “nice car” … among other possessions.

10,000 Square Foot House Harbor InstituteThe allure of having that Malibu Beach House and multiple cars in the driveway drives the wealth acquiring minds of most Americans.

Don’t get me wrong…

Once you have created assets that provide the type of wealth dreamed about by the average person, it would be normal to want the “good life.”  Our marketing and advertising proudly displays it, the fast cars, the fame, the house(s) and of course the social gatherings.

It’s pleasurable to walk through majestic doors, walk on marble floors, and travel through 8 bedrooms.  Until you realize later on that you’ll never use half of your house for much.

If you leave yourself in “material-possession gathering mode” you’re bound to find a common problem amongst the wealthy few who acquire the belongings of the 1%.

Then, you start asking the emotionally draining questions like…

Now what?

Most people, on their way up the “wealth ladder,” forget one crucial detail in their plans to dominate the world and make tons of money…

They forget that money isn’t the only component of a truly wealthy lifestyle.  And, acquisition of material things isn’t either.

I’ve covered the one true secret of wealth before, in a different post, and you can read that post if you would like to explore a little deeper (it’s more about experience).  In this post, I would like to explore how to avoid feeling empty, or what I call “mentally poor,” when you do finally cross the threshold into monetary wealth.

Let’s get right to it…

3 secrets to help you avoid feeling emotionally bankrupt when your bank account is anything but…

Once you start acquiring monetary wealth, which is quite possible if you follow our training, your bank account starts to build.

Bankruptcy is far from something you’ll have to worry about again.  But if you don’t start taking a number of precautions, emotional bankruptcy can be an even worse scenario.

I’m going to share 3 of these precautions here…

  1. Understand that having money can (and does) change you, psychologically.

I don’t care who you are, once you begin to acquire money, the feeling of power that starts to take hold can change you.  Sometimes, this feeling can be harder to deal with emotionally than you think, and affect your personal relationships.

So please, keep that in mind as you continue to build your monetary empire.

  1. Always start from a mental place where the wealth experience is just as (if not more) important than money alone.

The act of “acquiring more and more stuff” just because you can afford it can leave you feeling emotionally empty inside.  It’s a very common mistake among the newly minted rich.

Instead, think about the experiences of being rich like walking on a new beach and enriching your personal relationships.  Life is short, so it’s worthwhile to experience it to the fullest.  “Stuff” does not improve your emotional bank account, enjoying it does.

  1. Keep a closer eye on your personal relationships.

This might sound like I’m re-hashing part of #2.  I’m not.  Once you begin acquiring money, it not only can change you, but the people around you.  Those less fortunate than you will sometimes want “their piece” of your newly obtained monetary fame.

Watch out.  Your true friends will stick with you no matter how much is in your bank account.  That and it’s the money you have and keep that matters, and not how much you can spend on your new “friends” in one sitting.

Keep each of these 3 things in mind as you increase your financial and mental wealth.

But obviously, having the proper guidance and advice when it comes to protecting and growing your true wealth (both mental and monetary) is a large and complex topic for just one article.

This article only represents a small sliver of the immense volume of tactics, strategies, and business asset-securing knowledge we offer to our Members.

3 Guaranteed Ways to Lose Business Assets

3 Guaranteed Ways to Lose (Almost) All of Your Business Assets…

Welcome to the 21st century.

We have fully entered an Age of Information, where almost anything that can be found in terms of information on a subject, can be found.

Knowledge Is Power Harbor InstituteThat includes all information about your business, including some information you might not have considered.

This information gives you power as a small business owner, but also gives people power to voice their opinions and use the Internet to find information to use against you.

Also, not all information is quality (or correct) information, which can lead to some bad decisions.

This new access to information is the leverage that makes the following even more possible…

Here are 3 ways to put your business on the short path to “closing up shop”…

You wouldn’t want to close your business because of something you hadn’t prepared for, at least in most cases.

That said it’s unfortunate that a good number of small business owners still leave their businesses wide open to the potential for closing early in 3 overlooked ways.

Here they are in no particular order:

  • Losing a lawsuit, no matter how crazy it might seem.

Information, and the ability to publish it online, provides people with an enormous amount of power.  If someone doesn’t like something about your business, they can publish a review, start a blog, or even go to the press and spread their opinion.

This can even happen even if you seemingly did little or nothing wrong.

But even worse, someone can file a lawsuit against your business in our highly litigious society.  And even if the reason for filing a lawsuit isn’t totally sound, the time, resources and legal representation you need to devote to any lawsuit can be expensive.

It can put you out of business if you’re not prepared.  There are ways to protect your personal and business assets from legal action, and we cover some of those in a special report we offer for free (see the end of this article).

  • Bad investment decisions and lack of capital.

Money talks and B.S. walks.

It’s cliché, but it’s true … if your business lacks proper operating capital for payroll, inventory, marketing etc… then it’s as good as dead.

But worse, if you make a bad investment decision, you might have to close up shop just to recover from the financial setback.  Make a poor real-estate investment decision; suffer a lawsuit as a result of being “in the wrong place at the wrong time,” etc…

Any number of possibilities exists for a bad money situation.  But the good news is there are ways to keep you safe.  Some common strategies rely on incorporation of your business, general money management or investment strategy, or the structure of your personal and business assets.

The type of general advice you can find from sites like Fidelity, CNN Money, and others is fine, for covering the basics.

As you’ll soon see in our latest report … sometimes the basics don’t cover what you need.

  • The I.R.S. and having a poor tax strategy.

And then there’s the I.R.S. … the one entity that can either make your business and personal life a living hell, or, because of certain protection loopholes in the tax code … give you the leverage you need to pay only the taxes that you should be.

It all relies on the tax strategy for your business.

It’s said there are two tax systems in our country.

“In America, there are two tax systems: one for the informed and one for the uninformed. Both are legal” — Billings Learned Hand

Which system do you want to use?

How to protect yourself, your business, and your income…

Obviously, having the proper guidance and advice when it comes to protecting and growing your business and personal assets is a large and complex topic for just one article.

Which is why in this particular case, I’m going to ask you to download one of our reports and look into two key strategies we call the “C-Vault” and “S-Vault” protection strategies.

Here is an excerpt from the report…

It’s not just a “sue happy” customer, a disgruntled employee, or an ex-spouse
that is putting your business and personal assets at risk anymore.

Nefarious entities now troll the Internet looking for successful people to exploit.
With those concerns in mind, we offer two solutions worth your consideration.

These solutions are a series of layered corporate structures that legally provide
small business owners, and their loved ones, with same sophisticated layers of
protection usually enjoyed only by the mega-rich.

Keep in mind, the following report only represents a small sliver of the immense volume of tactics, strategies, and business asset-securing knowledge we offer to our Members.

But by downloading it today, you can get an inside look at the same wealth strategies the uber-wealthy use to grow their businesses, protect their companies, and secure their financial future.


Want more?  Start with our newest report, The Elite “Fort Knox” Strategy, part of our Small Business Elite Protection Library … where we reveal the detailed model for keeping more business revenue while paying fewer taxes, and making all of those assets as “bullet-proof” and secure as possible … plus a whole lot more…

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…

[i] http://www.reuters.com/article/2015/07/07/us-eurozone-greece-idUSKBN0P40EO20150707

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 WordPress.com 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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