FinTekNeeks

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The recent Equifax hack will cost consumers significant amounts when measured in time, money and waste. Consumers saw their private information stolen and these detailed pieces will come with costs, even if not immediate. Consumers have already jumped on incorrect solutions (no surprise) and worse may happen. A few months ago, students were cautioned to take certain actions in a limited time only video after the Cloudfare compromise. We caution about security, as it continues to be a re-occuring issue. While most people focus on returns, they fail to pay attention to the most important issue of all – security. A 100% return becomes a 0% return with poor security.

Uglier Truths

In a recent podcast, we discussed two ugly truths about this hack. None of us want to see hacks, but when people live in denial of reality, reality doesn’t cease to be true. This is like a farmer denying that insects will eat his crops and ignoring this truth. The farmer’s denial of truth doesn’t change the truth that insects eat crops, if given the chance. When insects come and consume his crops, he loses his investment. If he had accepted his reality, he could have prepared. The first step to changing one’s reality is to accept the truth of that reality, even if it makes them feel uncomfortable.

The Equifax hack mirrors this. Multiple videos have been removed from the internet with interviews featuring key people. First, why is this? Second, those videos revealed disturbing truths that few seemed to pay attention to at the time. Find videos of other key people at other companies. What about these videos? What are they in charge of? How many hacks have happened recently in the last year and how significant were these hacks?

You don’t need to be an expert to see a trend. Even after the early failures this year, we still see bigger hacks. Have consumers been safer due to their solutions? Have leaders helped improved the situation over the last decade, or even last five years? Your answers to these questions offer insight to the truth. What may be true that you don’t want to admit?

Security Special Protection Sheet

We will be releasing a Security Special Protection Sheet directly related to this hack. Provided that enough people express interest, we will release this in the last two weeks of December – you can contact us now about this and by the end of this week, we will determine if there’s enough interest. If enough interest exists, you will send a payment next week and the email address you send will receive the protection sheet. The cost of this Security Special Protection Sheet is $559. If there is not enough interest, we will not produce this.

For those with fewer funds, we have The Millionaire Guide To Digital Security. Provided that you take all the advice in the course – including the repetitive points – you will have strong security and better security than some people. However, if you fail to follow even one piece of the advice, you almost guarantee your failure in the end.

You were warned. And you’re being warned again. Most people only pay attention to their returns. Yet without strong security, those returns won’t exist.


Yuri Bezmenov lived through the Soviet Union as a KGB spy. He witnessed the transformation of Soviet society under the rule of communism, a form of central planning. The KGB trained him to destroy and conquer other cultures, such as India, without using weapons, but using advanced psychological warfare against opponents. In the below videos, we see his assessment of these techniques as he lays out the KGB toolkit. While most people won’t take the time in their life to watch either clip, you will walk away much richer by watching both videos – Bezmenov makes many valuable points that will enrich your life in more ways than one.

The Series

  1. 4 Financial Lessons From Alexander Suvorov
  2. 4 Financial Lessons From Genghis Khan
  3. 4 Financial Lessons From John D. Rockefeller
  4. 4 Financial Lessons From Yuri Bezmenov

The Videos

The Lessons

Learn real skills. Have you ever seen people debate about creation vs. evolution, discuss theories like string theory or other absurd ideas that will never be proven (or will be refuted at a later date)? These carry no skills whatsoever – they waste people’s time in that they teach nothing of value to the people learning them. Bezmenov lists mathematics, physics, chemistry, etc while mocking non-useful teaching, like “history of urban warfare” or “natural food” and other nonsense. While I agree on the sciences he advises, I would caution readers that theoretical science is not the same as actual science and is not useful whatsoever. In fact, most mathematical and scientific problems that have been solved in the past have been done by people we would consider wrong in many other areas.

Learn real skills and completely ignore theory. What Bezmenov teaches is that real skills carry value and retaining these will enrich our lives. Also, while many people believe that the internet will always exist, it’s entirely possible that it will cease to exist in the future. Any number of disasters could destroy the internet forever. Don’t assume that you’ll always have knowledge available to you – which is an assumption many people make because of the internet. Some tips to mastering this habit:

  • What do you tend to search for (ie: googling)? What’s the pattern and how can you take time to learn this and memorize this information? Search engines may not exist in the future, so how would you get information if they didn’t? How would you get information if the internet didn’t exist?
  • Memorization strengthens your mind; how are you memorizing new information daily? Always remember that the Roman writer, Juvenal, stated that a “sharp mind in a healthy body” is more than most people have. He’s right and most people don’t invest in their mind. For practice, memorize the four points in this post, then try to recall them tomorrow.
  • Ask yourself: how does this information provide me with value? Before you learn anything, know the answer to this. If knowledge provides you with no value or skill, call the “knowledge” what it is: wasteful. Knowledge you can’t use is as wasteful as entertainment, though people love to pretend the former has some sort of value over entertainment.
  • If you choose to attend college, only attend college to learn something that you can use. Most medicine and engineering falls into this category, with medicine and related disciplines carrying massive value due to labor shortages. While Bezmenov recommends mathematics and science as well, I would caution on these if they are more theory than pragmatic learning. Avoid nonsense like the big bang theory, string theory, the theory of evolution (or creation), or any other theoretical discipline. Theoretical “anything” is a waste of time.

There is an inverse to this lesson as well: be incredibly skeptical of anyone who wastes your time in theories or pointless debate.

Ignore and avoid someone unattached to results. Bezmenov saw firsthand the Soviet bureaucracy – “we pretend to work and they pretend to pay us” – and shows why “collecting a paycheck” means nothing if the paycheck comes regardless of results. The only time you should ever get paid is if you created something of value; if you didn’t, you are being paid for doing nothing. You may feel good about this because you have money, but once you begin to realize that others are doing the same thing, what does that say about the society you live in? If you do not get results, you should not get paid. In the long run, a society that earns value without creating value won’t last – the Soviet Union proves this. Money without character is fraud and Mother Nature will prove that fraud in the long run.

If civilization ever collapses, like the Soviet Union collapsed, you will return to a life where you will only eat if you can create food, or some other value that people are willing to exchange food for. The people who learned this lesson the easy way survived (only get paychecks from results); many of the people who didn’t learn this lesson in the Soviet Union died after it collapsed. In other words, if you train yourself to only get paid if you obtain results, you will be prepared when disaster strikes. Reality is clear: if you do not produce value, you should not obtain value. And in the long run, you won’t.

Morality creates and enhances value. Consider the people in your life without morals and compare them to the people in your life with morals. One of the most obvious differences is overall well-being and happiness; deeply religious people are some of the happiest people alive. Religion provides a “why” for morality, whether you agree or not with the why. It also encourages cooperation among people even in competitive environments. A practical comparison of this is the Amish’s entrepreneurial success rate: over 90% of new Amish businesses succeed, even when the new business competes against existing Amish businesses. This is because the Amish help each other, even if they’re competitors. The deeply religious nature of the Amish creates cooperation even though they are very capitalistic people.

As Proverbs 13:20 would warn, avoid people with little or no morals. If someone truly believes there is no Higher Power to answer to, why should they remain honest? Why should they never betray you? When you begin to realize the implication of this belief, you will see why these people may be dangerous later. A wise man knows his limits and he knows why. A fool does not.

Master basic human relations. Bezmenov uses many examples of conflict between people, such as the worker versus the boss, and how the KGB and Soviet bureaucrats used conflicts to enhance their power. Rather than working through conflicts, or negotiating with people directly, the bureaucracy of the Soviet system became the intermediary between these groups in conflict with each other. This feeds on itself: as people demand more intermediaries due to conflicts, they lose skill in negotiating with other people. The irony of this is that all negotiation carries some victory and loss, such as negotiating on the price of a car. By bringing in an intermediary, you guarantee that both parties lose.

If you have deep relationships with people, you will lose sometimes. You will never “win” everything and you shouldn’t anyway, as that’s not healthy. People who learn how interact and negotiate with others will strengthen existing relationships, but will also avoid the pitfalls that many people make when there is a conflict.

Let me re-emphasize that the two videos listed above this paragraph contain a massive amount of value; much more than this post describes. People who want lasting value will watch (less than 5% of the people who read this post). Be a winner and watch both videos; when you finish them, watch them again. Do not make the mistake of assuming that information will always be around. This is the mistake that 95% of people reading this post will make.


The Problem Worsens

As I’ve warned in the last decade, the healthcare labor shortage continues to grow. The latest data show it growing even worse: we won’t be seeing the labor shortage in healthcare fixed anytime soon – fewer doctors, nurses, and specialties. We see this trend worldwide too, though some places have less of a problem. The problem has grown so bad in the United States that some states have been forced to lower standards for primary care. If the shortage grows worse, as I expect, they may be forced to lower standards further.

As a note, no solution being offered currently – or in the past – addresses the labor shortage. You can ignore everyone on this; no one realizes this growing shortage and over half the current students in medical labor don’t intend to remain in the United States, which means that American taxpayers are supporting students who will leave the country – talk about negative returns on investment! Is the United States the best country to be a doctor? No. Until this answer is yes, it will see its crop of doctors go to where they’re treated best – and can you blame them? The United States is the easiest country to sue a doctor.

The Shortage Will Continue To Grow

In addition to a shortage of doctors, nurses, and other medical workers, diseases are rapidly evolving against humanity, making our shortage dangerous. We’re seeing strains of HIV, Hepetitis and other viruses evolve rapidly and overcome newer medicine at a quicker rate. We should all remember that Mother Nature favors the strong; diseases are evolving much stronger than humans and it’s showing. If medicine can’t keep up with these diseases, we’ll see a day of reckoning. In a world where everyone wants to make passive income and trade, diseases will have a field day when no solution to their problem exists – humans will be millionaires dying of the most basic diseases.

The positive in all of this is that wages for medical doctors in some cases have drastically outpaced every other worker category; for instance, 5 of the top 10 paying jobs in the United States are all doctors. Some doctors are finally making more money than traders at Goldman Sachs – and expect this to continue even more as the shortage continues. For instance, I’ve met quite a few doctors who are making over $1-2 million a year – some even have entered the decamillion category! Eventually, all the top paying positions in the United States will be in medicine due to this growing shortage.

Money Without Character Is Fraud

You can try to trick reality and it will never work. Money either represents reality or money is fraud. Reality only respects character – that’s it. The rules reality plays by only involve character. This shortage of medical care workers and the evolution of disease show that reality will never be tricked. Healthcare prices will continue to grow and eventually families in the United States will be paying over $100,000+ a year for a family plan within a decade. The only hedge is entering the healthcare field; if you’re 18 or younger, take note. Other solutions, like investing, will no longer work, as an investment can never offset a labor shortage.

When you ponder this, you realize, medical school is easy compared to the reality that some are about to face. You cannot avoid or run away from problems – they only get bigger in the end. Face the problem and see a better reality, or live the consequences of escapism.


Summer time is here. Weather is seemingly getting hotter than usual in some regions. Garbage bins are even melting under the hot sun in Arizona. I hope most of you are enjoying nice weather and spending time to reflect. As we head into the summer season, you may notice less activity on our website. We too are looking to spend more time outside and it also gives us more time to reflect the half-year that have already passed. It is very important to spend time to reflect and also look ahead. Most think only about new year’s resolutions. But, it is also important to take the mid-point of the year and assess.

Short And Sweet

Americans are known to take less vacation time. But, it is important to take some time off. Other countries have longer mandatory holidays. While many companies take time off during the week from Christmas through New Year’s Day, most people in the US, especially in the service industry, do plan to work between the holidays. Other countries seem to have week-long holidays. Japan has their Golden Week. China and other Asian countries celebrate a week long Lunar New Year. I have even heard of France spending a month long holiday in August.

Here are some suggestions if one takes some time off during the summer days:

  • Learn a new hobby. This doesn’t have to be an expensive hobby, but one can spend some time learning to enjoy doing something new. Stand-Up paddleboarding was one hobby that I really enjoyed. It offers a relatively relaxing exercise on the water. Something about being on the water tends to relax me.
  • Read a new book. Unless one makes the effort to read, life takes over and this tends to be overlooked. Other distractions, like watching movies, Netflix, and television, overtakes in priority over reading. But, enjoying a new book may offer new perspectives and enrichment.
  • Review old goals and develop new goals. Aligned with one’s vision, one should continually to assess past goals. Evaluate any mistakes made. Celebrate successes achieved. See what works and what doesn’t. Understand roadblocks and what must be done to overcome them.
  • Learn a new skill online. My firm belief is that one should always be improving one’s skillsets. There are so many opportunities to learn online. It is not only programming, but other skills that can be learned for a fraction of the price and time compared to going to a traditional university.

Everyone, have a great summer! We will continue to post articles periodically during the summer. We hope you enjoy many summer days. For those readers in the Southern Hemisphere, please keep warm and enjoy a nice winter.


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