R
romm2el
Master
- Joined
- Nov 12, 2023
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Financial plan and ideas, underground bank Pending Approval
by • 11 minutes ago in /d/Dread
Hi, i thought it was a good idea to use the 50/30/20 rule for personal
finances, which consists of spending 50% of my income on needs, 30% on
wants, and saving 20% for savings or paying off debts.
for the underground bank
Research the legal structure: such as limited liability companies
(LLCs), corporations, or partnerships.
create a business plan
Set up a secure communication channel:
is there apps that use encrypted messaging? i thought session was a good choice, it is tho?
platforms to discuss sensitive information with my team without the risk
of being intercepted by authorities.
Develop a reliable transaction system
Create a discreet client acquisition strategy: Build a network of
clients by leveraging personal connections, online marketplaces, or covert
advertising methods to avoid drawing too much attention
Implement strict security measures: Establish protocols for
safeguarding client data and ensuring the privacy of all transactions.
This may involve using pseudonyms, anonymous email addresses, or even
physical drop points for sensitive materials.
Continuously evaluate and mitigate risks: Regularly review the
business plan, assess potential threats, and implement
implement strategies to
minimize exposure to legal authorities or other adversaries.
_______
**Short-term goals:**
1. **Loot from the beginning**: Start with a significant amount of money,
possibly inherited
This initial capital will fuel the rest of the plan.
2. **Cash-intensive investments**: Invest in assets that provide immediate returns, such as:
* High-yield savings accounts
* Short-term bonds
* Cash equivalents (T-bills, commercial paper)
* Cryptocurrencies (e.g., Bitcoin)
**Mid-term goals:**
1. **Real estate manipulation**: Acquire undervalued properties through
clever negotiations or strategic partnerships. Then:
* Renovate and flip the properties for a quick profit
* Rent out the properties at inflated rates, taking advantage of tenants'
desperation
* Use shell companies to obscure ownership and minimize taxes
**Long-term goals:**
1. **Stock market manipulation**: Utilize insider knowledge to manipulate stock prices and make
calculated bets.
2. **Private equity deals**: Invest in private companies, using influence
and persuasion to acquire control or significant stakes.
3. **Intellectual property exploitation**: Acquire patents, copyrights, or
trademarks related to emerging technologies or popular trends. Then:
* License these intellectual properties at exorbitant rates
* Monopolize markets by preventing competitors from accessing the IP
**Additional strategies:**
1. **Network exploitation**: Build relationships with influential
individuals, using charm and manipulation to gain access to exclusive
investment opportunities or sensitive information.
2. **Tax avoidance**: Utilize offshore accounts, shell companies, and
creative accounting practices to minimize tax liabilities.
3. **Influence peddling**: Offer services or favors to government
officials, judges, or other high-profile individuals in exchange for
favorable treatment or insider knowledge.
**guiding principles:**
1. **Information is power**: Control the flow of information to manipulate
markets, people, and situations.
2. **Influence through deception**: Use charm, manipulation, and
persuasion to achieve goals without being detected.
3. **Flexibility is key**: Be prepared to adapt plans and strategies as circumstances change.
tl;dr make a complex web of manipulation and exploitation, generating big returns
i thought for the educational foundation i have to take immediate action by enrolling in online courses for finance and economigs like coursera, edx and khan academy, and for books read "The Intelligent Investor" by Benjamin Graham and "Principles of Economics" to deepen my understanding.
2. Building Strategic Knowledge:
o Next Steps: Focus on investment strategies and portfolio management. Look for courses or books that cover these topics in detail, such as "Common Stocks and Uncommon Profits" by Philip Fisher.
o Practice: Utilize online simulators and virtual trading platforms to apply theoretical knowledge practically.
3. Understanding Technological, Geopolitical, and Social Dynamics:
o Technological Trends: Stay updated on AI, blockchain, and IoT developments through industry reports and specialized courses.
o Geopolitical Awareness: Follow global news and analysis to understand shifts in power dynamics and regulatory changes.
o Social Movements: Engage with communities or organizations aligned with social issues to understand consumer behavior and workforce dynamics.
4. Psychological Manipulation and Influence:
o Study Areas: Delve into psychology and behavioral economics through books like "Influence: The Psychology of Persuasion" by Robert Cialdini and "Thinking, Fast and Slow" by Daniel Kahneman.
o Apply Insights: Use psychological principles ethically in your interactions and strategies to influence positively.
5. Business Strategy and Market Analysis:
o SWOT Analysis: Conduct a SWOT analysis for personal development, identifying strengths, weaknesses, opportunities, and threats in your career or entrepreneurial pursuits.
o Market Research: Learn about market segmentation, targeting, and positioning (STP) to better understand consumer behavior and competitive landscapes.
6. Political Science and Governance:
o Political Strategies: Analyze historical and contemporary political maneuvers to understand governance principles and power dynamics.
o Stakeholder Engagement: Begin engaging with stakeholders, including local community groups, industry associations, and policymakers, to build relationships and influence policy.
7. Literature and Philosophy Integration:
o Insights from Literature: Read classical and modern literature to gain insights into human behavior, ethical dilemmas, and effective storytelling.
o Philosophical Foundations: Study theories and logical reasoning to enhance decision-making and strategic planning.
8. Setting Clear Goals and Vision:
o Vision Development: Craft a compelling vision statement that aligns with your core values and long-term aspirations.
o SMART Goals: Set SMART goals (Specific, Measurable, Achievable, Relevant, Time-bound) that support your vision and provide a roadmap for success.
9. Implementation and Continuous Improvement:
o Action Plans: Develop detailed action plans for each goal, breaking them down into manageable steps with deadlines and responsibilities.
o Feedback and Adjustment: Continuously monitor progress using key performance indicators (KPIs) and adjust strategies based on feedback and changing circumstances.
Tips for CPA Marketing and Accounting:
1. Online Courses: Enroll in online courses from platforms like Coursera, Udemy, or LinkedIn Learning to get structured learning.
2. Networking: Join CPA forums and groups to learn from experienced marketers.
3. Practice: Start a small project or help a local business to get hands-on experience
Phase 1: Self-Education and Skill Acquisition
Months 1-3:
1. Formal Education:
o Enroll in online courses on finance, economics, and business. Platforms like Coursera, edX, and Udemy offer excellent resources.
o Suggested courses: "Introduction to Financial Markets," "Principles of Corporate Finance," and "Investing in Stocks."
2. Reading and Research:
o Read foundational books such as "Rich Dad Poor Dad" by Robert Kiyosaki, "The Intelligent Investor" by Benjamin Graham, and "Think and Grow Rich" by Napoleon Hill.
o Subscribe to financial news and journals like The Wall Street Journal, Financial Times, and Bloomberg.
Phase 2: Strategic Planning
Months 4-6:
1. Goal Setting:
o Define clear financial goals for the short term (1 year), medium term (5 years), and long term (10+ years).
o Examples: Build an emergency fund, save for a down payment on a house, and plan for retirement.
2. Risk Management:
o Create a risk management plan, including an emergency fund with 3-6 months of living expenses.
o Diversify income sources and investments to spread risk.
Phase 3: Income Diversification
Months 7-9:
1. Multiple Income Streams:
o Identify opportunities for additional income, such as freelance work, part-time jobs, or side businesses.
o Example: Start a small online business selling products or services related to your interests.
2. Passive Income:
o Invest in assets that generate passive income, such as dividend-paying stocks, rental properties, or REITs (Real Estate Investment Trusts).
o Automate savings and investments through tools like robo-advisors or regular bank transfers to investment accounts.
Phase 4: Investment Strategy
Months 10-12:
1. Research and Analysis:
o Conduct thorough research on various investment opportunities.
o Utilize tools like Morningstar, Yahoo Finance, and Google Finance to analyze potential investments.
2. Diversification:
o Build a diversified investment portfolio with a mix of stocks, bonds, mutual funds, ETFs (Exchange-Traded Funds), and real estate.
o Rebalance your portfolio periodically to maintain desired asset allocation.
Phase 5: Networking and Relationships
Ongoing:
1. Professional Networks:
o Join professional networks and organizations such as the Financial Planning Association (FPA) or local business groups.
o Attend seminars, webinars, and conferences to expand your knowledge and connections.
2. Collaborations:
o Seek out mentors and advisors with experience in finance and business.
o Collaborate with peers on projects or investments to share knowledge and reduce risks.
Phase 6: Cost Management
Ongoing:
1. Budgeting:
o Create and maintain a monthly budget to track income and expenses.
o Use budgeting apps like Mint, YNAB (You Need a Budget), or EveryDollar.
2. Frugality:
o Practice frugality by cutting unnecessary expenses and prioritizing savings and investments.
o Focus on value-based spending, where you spend money on things that truly matter to you.
Phase 7: Entrepreneurial Ventures
Months 13-18:
1. Business Opportunities:
o Identify and evaluate potential business opportunities based on market demand and your skills.
o Create a business plan and start a small venture, like an online store, consulting service, or digital product.
2. Innovation:
o Stay ahead of the curve by continuously learning and adapting to new market trends and technologies.
o Experiment with innovative ideas and be willing to pivot when necessary.
Phase 8: Ethical Considerations
Ongoing:
1. Integrity:
o Conduct all financial dealings with integrity and transparency.
o Avoid unethical practices and focus on building a reputable personal and professional brand.
2. Corporate Responsibility:
o Engage in socially responsible investing (SRI) and consider the environmental, social, and governance (ESG) impacts of your investments.
o Support and invest in companies that align with your values and contribute positively to society.
Monthly Checklist:
• Review Goals: Regularly review and adjust your financial goals as needed.
• Monitor Investments: Track the performance of your investments and make necessary adjustments.
• Network: Attend at least one networking event or engage with professional groups monthly.
• Update Budget: Update your budget to reflect any changes in income or expenses.
• Continuous Learning: Dedicate time each month to learning new skills or enhancing existing ones.
by • 11 minutes ago in /d/Dread
Hi, i thought it was a good idea to use the 50/30/20 rule for personal
finances, which consists of spending 50% of my income on needs, 30% on
wants, and saving 20% for savings or paying off debts.
for the underground bank
Research the legal structure: such as limited liability companies
(LLCs), corporations, or partnerships.
create a business plan
Set up a secure communication channel:
is there apps that use encrypted messaging? i thought session was a good choice, it is tho?
platforms to discuss sensitive information with my team without the risk
of being intercepted by authorities.
Develop a reliable transaction system
Create a discreet client acquisition strategy: Build a network of
clients by leveraging personal connections, online marketplaces, or covert
advertising methods to avoid drawing too much attention
Implement strict security measures: Establish protocols for
safeguarding client data and ensuring the privacy of all transactions.
This may involve using pseudonyms, anonymous email addresses, or even
physical drop points for sensitive materials.
Continuously evaluate and mitigate risks: Regularly review the
business plan, assess potential threats, and implement
implement strategies to
minimize exposure to legal authorities or other adversaries.
_______
**Short-term goals:**
1. **Loot from the beginning**: Start with a significant amount of money,
possibly inherited
This initial capital will fuel the rest of the plan.
2. **Cash-intensive investments**: Invest in assets that provide immediate returns, such as:
* High-yield savings accounts
* Short-term bonds
* Cash equivalents (T-bills, commercial paper)
* Cryptocurrencies (e.g., Bitcoin)
**Mid-term goals:**
1. **Real estate manipulation**: Acquire undervalued properties through
clever negotiations or strategic partnerships. Then:
* Renovate and flip the properties for a quick profit
* Rent out the properties at inflated rates, taking advantage of tenants'
desperation
* Use shell companies to obscure ownership and minimize taxes
**Long-term goals:**
1. **Stock market manipulation**: Utilize insider knowledge to manipulate stock prices and make
calculated bets.
2. **Private equity deals**: Invest in private companies, using influence
and persuasion to acquire control or significant stakes.
3. **Intellectual property exploitation**: Acquire patents, copyrights, or
trademarks related to emerging technologies or popular trends. Then:
* License these intellectual properties at exorbitant rates
* Monopolize markets by preventing competitors from accessing the IP
**Additional strategies:**
1. **Network exploitation**: Build relationships with influential
individuals, using charm and manipulation to gain access to exclusive
investment opportunities or sensitive information.
2. **Tax avoidance**: Utilize offshore accounts, shell companies, and
creative accounting practices to minimize tax liabilities.
3. **Influence peddling**: Offer services or favors to government
officials, judges, or other high-profile individuals in exchange for
favorable treatment or insider knowledge.
**guiding principles:**
1. **Information is power**: Control the flow of information to manipulate
markets, people, and situations.
2. **Influence through deception**: Use charm, manipulation, and
persuasion to achieve goals without being detected.
3. **Flexibility is key**: Be prepared to adapt plans and strategies as circumstances change.
tl;dr make a complex web of manipulation and exploitation, generating big returns
i thought for the educational foundation i have to take immediate action by enrolling in online courses for finance and economigs like coursera, edx and khan academy, and for books read "The Intelligent Investor" by Benjamin Graham and "Principles of Economics" to deepen my understanding.
2. Building Strategic Knowledge:
o Next Steps: Focus on investment strategies and portfolio management. Look for courses or books that cover these topics in detail, such as "Common Stocks and Uncommon Profits" by Philip Fisher.
o Practice: Utilize online simulators and virtual trading platforms to apply theoretical knowledge practically.
3. Understanding Technological, Geopolitical, and Social Dynamics:
o Technological Trends: Stay updated on AI, blockchain, and IoT developments through industry reports and specialized courses.
o Geopolitical Awareness: Follow global news and analysis to understand shifts in power dynamics and regulatory changes.
o Social Movements: Engage with communities or organizations aligned with social issues to understand consumer behavior and workforce dynamics.
4. Psychological Manipulation and Influence:
o Study Areas: Delve into psychology and behavioral economics through books like "Influence: The Psychology of Persuasion" by Robert Cialdini and "Thinking, Fast and Slow" by Daniel Kahneman.
o Apply Insights: Use psychological principles ethically in your interactions and strategies to influence positively.
5. Business Strategy and Market Analysis:
o SWOT Analysis: Conduct a SWOT analysis for personal development, identifying strengths, weaknesses, opportunities, and threats in your career or entrepreneurial pursuits.
o Market Research: Learn about market segmentation, targeting, and positioning (STP) to better understand consumer behavior and competitive landscapes.
6. Political Science and Governance:
o Political Strategies: Analyze historical and contemporary political maneuvers to understand governance principles and power dynamics.
o Stakeholder Engagement: Begin engaging with stakeholders, including local community groups, industry associations, and policymakers, to build relationships and influence policy.
7. Literature and Philosophy Integration:
o Insights from Literature: Read classical and modern literature to gain insights into human behavior, ethical dilemmas, and effective storytelling.
o Philosophical Foundations: Study theories and logical reasoning to enhance decision-making and strategic planning.
8. Setting Clear Goals and Vision:
o Vision Development: Craft a compelling vision statement that aligns with your core values and long-term aspirations.
o SMART Goals: Set SMART goals (Specific, Measurable, Achievable, Relevant, Time-bound) that support your vision and provide a roadmap for success.
9. Implementation and Continuous Improvement:
o Action Plans: Develop detailed action plans for each goal, breaking them down into manageable steps with deadlines and responsibilities.
o Feedback and Adjustment: Continuously monitor progress using key performance indicators (KPIs) and adjust strategies based on feedback and changing circumstances.
Tips for CPA Marketing and Accounting:
1. Online Courses: Enroll in online courses from platforms like Coursera, Udemy, or LinkedIn Learning to get structured learning.
2. Networking: Join CPA forums and groups to learn from experienced marketers.
3. Practice: Start a small project or help a local business to get hands-on experience
Phase 1: Self-Education and Skill Acquisition
Months 1-3:
1. Formal Education:
o Enroll in online courses on finance, economics, and business. Platforms like Coursera, edX, and Udemy offer excellent resources.
o Suggested courses: "Introduction to Financial Markets," "Principles of Corporate Finance," and "Investing in Stocks."
2. Reading and Research:
o Read foundational books such as "Rich Dad Poor Dad" by Robert Kiyosaki, "The Intelligent Investor" by Benjamin Graham, and "Think and Grow Rich" by Napoleon Hill.
o Subscribe to financial news and journals like The Wall Street Journal, Financial Times, and Bloomberg.
Phase 2: Strategic Planning
Months 4-6:
1. Goal Setting:
o Define clear financial goals for the short term (1 year), medium term (5 years), and long term (10+ years).
o Examples: Build an emergency fund, save for a down payment on a house, and plan for retirement.
2. Risk Management:
o Create a risk management plan, including an emergency fund with 3-6 months of living expenses.
o Diversify income sources and investments to spread risk.
Phase 3: Income Diversification
Months 7-9:
1. Multiple Income Streams:
o Identify opportunities for additional income, such as freelance work, part-time jobs, or side businesses.
o Example: Start a small online business selling products or services related to your interests.
2. Passive Income:
o Invest in assets that generate passive income, such as dividend-paying stocks, rental properties, or REITs (Real Estate Investment Trusts).
o Automate savings and investments through tools like robo-advisors or regular bank transfers to investment accounts.
Phase 4: Investment Strategy
Months 10-12:
1. Research and Analysis:
o Conduct thorough research on various investment opportunities.
o Utilize tools like Morningstar, Yahoo Finance, and Google Finance to analyze potential investments.
2. Diversification:
o Build a diversified investment portfolio with a mix of stocks, bonds, mutual funds, ETFs (Exchange-Traded Funds), and real estate.
o Rebalance your portfolio periodically to maintain desired asset allocation.
Phase 5: Networking and Relationships
Ongoing:
1. Professional Networks:
o Join professional networks and organizations such as the Financial Planning Association (FPA) or local business groups.
o Attend seminars, webinars, and conferences to expand your knowledge and connections.
2. Collaborations:
o Seek out mentors and advisors with experience in finance and business.
o Collaborate with peers on projects or investments to share knowledge and reduce risks.
Phase 6: Cost Management
Ongoing:
1. Budgeting:
o Create and maintain a monthly budget to track income and expenses.
o Use budgeting apps like Mint, YNAB (You Need a Budget), or EveryDollar.
2. Frugality:
o Practice frugality by cutting unnecessary expenses and prioritizing savings and investments.
o Focus on value-based spending, where you spend money on things that truly matter to you.
Phase 7: Entrepreneurial Ventures
Months 13-18:
1. Business Opportunities:
o Identify and evaluate potential business opportunities based on market demand and your skills.
o Create a business plan and start a small venture, like an online store, consulting service, or digital product.
2. Innovation:
o Stay ahead of the curve by continuously learning and adapting to new market trends and technologies.
o Experiment with innovative ideas and be willing to pivot when necessary.
Phase 8: Ethical Considerations
Ongoing:
1. Integrity:
o Conduct all financial dealings with integrity and transparency.
o Avoid unethical practices and focus on building a reputable personal and professional brand.
2. Corporate Responsibility:
o Engage in socially responsible investing (SRI) and consider the environmental, social, and governance (ESG) impacts of your investments.
o Support and invest in companies that align with your values and contribute positively to society.
Monthly Checklist:
• Review Goals: Regularly review and adjust your financial goals as needed.
• Monitor Investments: Track the performance of your investments and make necessary adjustments.
• Network: Attend at least one networking event or engage with professional groups monthly.
• Update Budget: Update your budget to reflect any changes in income or expenses.
• Continuous Learning: Dedicate time each month to learning new skills or enhancing existing ones.
