Introduction:

The more money a person earns, the more they typically spend. Once a person decides to get their finances under control, there often isn't enough left over to make a significant impact on their debt. You need to arm yourself with the right strategies to get out of debt.

Where To Find Money To Pay Off Your Debts:

One of a person's biggest expenses is financial loss—in other words, money they are entitled to but are unaware of.

I have a client who helps his clients find hidden money they did not know existed.

For one of his clients, an older man, he found an additional $10,000 in forgotten bank accounts, investments, insurance policies, and inheritances.

For another family, he helped them find a few million dollars in an inheritance they were unaware they were entitled to.

I understand these are some outlandish examples.

Use Banking Laws Against The Banks:

There are a series of banking laws that the bank use against us to charge us high interest rates, higher fees and other expenses however, everyday these bank break these same laws.

We use these same laws against the bank charging them penalty fees and thus eliminating as much as 50% fo your debt. 

Financial Tools To Pay Off Your Debt: 

There are financial tools that you can use that increase in value that could be used to pay off your debt. 

Life insurance is one of these financial tools. The most common life insurance policy marketed is one that pays your family upon your death. However, there are other types of life insurance tools that increase in value over time and can enhance your quality of life.

These tools can help you pay off your debt, pay off your home, and retire early. These types of tools are not just life insurance for when you die but policies that can provide you with a better quality of life.

How These Financial Tools Work:

This type of life insurance is an investment tool where the cash value of your policy grows over time because the insurance company uses your policy to invest in an index fund. Instead of buying and selling individual stocks like Amazon, Disney, or Tesla, you invest in a fund.

A fund like the S&P 500 is made up of hundreds of individual stocks. If a stock underperforms, it can be removed from the fund.

Warren Buffett, the world’s most successful investor, suggests investing in an index fund and staying invested over a long period of time.

It does not matter what helped certain people become successful, but what will give a person the best odds of success. Why not invest in an index fund that has been shown to succeed over time?

The true beauty of investing in an index fund through a life insurance policy is that you get to participate in the upside without the downside risk.

During strong economies, you benefit from a growing economy; however, there is a cap. This is because when the market crashes, you do not lose money. You do not get the top of the market returns because the life insurance companies need this to cover any losses they experience in a down market.

1. Build up cash value
With consistent payments over time, policyholders can accumulate cash value in their Index Universal Life insurance policy.

2. Borrow against the cash value
Once the cash value exceeds the insurer's minimum requirement, policyholders can typically take out a loan. The maximum loan amount is based on the cash value.

3. Use the loan
The loan can be used for various reasons, including paying off debt.

4. Repay the loan
Policyholders can choose to repay the loan in full or just the interest, which will accrue over time. 

Conclusion:

People love the idea of using banking laws against the banks to eliminate their debt and using the cash value of a life insurance policy to pay off their debt. However, going from idea to action is too much to ask of many people because they may have so many questions.

So we created additional resources for you.

1. Use banking laws against the banks visit:
2. Use insurance to pay off your debt:

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Introduction:

The book the 48 laws of power is a controversial book some people says its a manipulative book, its a evil book, it is a work of the devil however, if you say anything like that it is because you have not learned the lesson the 48 laws of power can teach us. Now the way I got introduced to the 48 laws of power is because of the pain I experienced because it provide you the knowledge the manipulation tactics, and narcissistic tactics people use to take advantage of you. Before this I had what is known in phycology as a highly agreeable personality, I was overly concerned with people liking me. 

The Disadvantage Of Being Overly Nice:

Now at first, being highly agreeable may seem to be very admirable traits to have however, the downside of this it opens you up for people to take advantage of you. 

Being highly agreeable opens you up to disease because you suppress your emotions and those emotions are linked to disease. So there is a lot of downsides of being an overly agreeable person. 

The way I define myself today is I am a good guy, not a nice guy, there is a difference, Highly agreeable people refuse to see peoples dark sides, they refuse to see people for who they are, this why some people say the 48 laws of power says its a manipulative book, its a evil book, but On the contrary it takes lesson from history and it teaches us to protect ourselves from those who would take advantage of you.

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Arm Yourself With The Knowledge To Protect Yourself:

Even in the Bible at Matthew 10:16 its says “I am sending you out amount wolves, proves yourself as cautious as serpents, and innocent as doves”. 

2 Cor 2: 11 says of satan that we are not ignorant of his designs because the bible gives us the knowledge not to fall into Satans traps and so the 48 laws of power designed to arm yourself with the knowledge not to let anyone take advantage of you.

Human Behavior Is Predictable:

Human behavior is predictable there are 48 laws that Robert Greene talks about in his book that people use to manipulate you, even seemingly good people use their so called goodness to manipulate you and you need to know this knowledge so you can tell the difference from a good person and a person who acts good. 

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Conclusion:

We’ve all heard of the golden rule, its not explained in this book as the golden rule, but you’ve heard of this the one with the gold makes the rules, so I want to help you harness the power of money to protect ourselves Because when we lack money people can control us to get us to do things for money, such as working longer hours away from your family, over paying from creditors charging higher fee, because of your lack of money There are 2 personality traits that are the greatest predictor of not only wealth but success in all area of you life. Most people settle for less because they don’t have the courage and settle for less than their potential because of insecurities, anxiety from past trauma. But if you are ever going to recover, you are going to have to heal your past traumas by optimize your brain to perform I want to invite you to take our performance based personality test to see if you have any of these traits. If not, don’t worry, chances are you were not born with these traits, I know I was not, I have had to cultivate them by optimizing my brain to make more money visit http://millionairetest.alphalifestyleacademy.com

Introduction:

Let’s make one thing clear: frugal living is NOT about cutting back and NOT buying the things you want. It’s about cutting back on things you don’t want to spend money on. Many people complain about gas prices, even though everyone knows we need to get from one place to another. We’re going to pay whatever they set the gas prices at regardless, especially if you live in an area with little or no public transportation. People will spend more money on coffee in one week than they do on gas and not complain about it because people don’t buy what they need, they buy what they want.

Cut Your Expenses Without Missing Out:

When people think about getting out of debt and lowering their expenses, they only think of frugal living.

Let’s explore this more. You may not have the same amount of money that wealthy people do, however, you can use the same strategies as the rich to have a higher standard of living. The rich not only make more money than the poor and middle class, but they also pay as little as they possibly can on things that they need. In this way, they have money left over to buy items that they really want to buy; the things they really enjoy.  

Your Biggest Expenses:

You pay more money on taxes, interest rates from debt, and financial losses than any other expenses. Robert Kiyosaki, the author of the Rich Dad Poor Dad book series, says there are 4 stages to financial growth:

1. Debt – Understanding the different types of debt; they call this good debt and bad debt.

2. Security – This is the stage where you protect yourself from one of your biggest expenses: financial loss by using different types of insurances to protect yourself from financial loss.

3. Comfort – This is the stage where you are getting “caught up” on things. This is where many people say “I just want to get ahead”.

4. Wealth – The fourth and final stage, is where you have your money working hard for you instead of you working hard for the money through different investments like real estate.

By paying less for the things you need, you will have the money left over or the things you really want.

So again, you waste more money on taxes, interest rates from debt, and financial loss than any other expense out there.

Government Money:

Every year, the government gives away billions of dollars through free money programs by adding $300-$500 to your paycheck from your job. Additionally, you can get 20-45% cashback on your normal everyday expenses through a series of government money programs.

Fix Your Credit:

Having a low credit score will cost you hundreds of dollars each month and when you compound a poor credit score over years, it ends up costing you thousands of dollars postponing your retirement and prolonging the years you have to work. When your credit score is low, your interest rate will be higher.

Eliminate 50% Of Your Debt:

There are laws in place that benefit banks, charge you higher fees, and you are not aware of. They are often called “hidden fees“. If you know about them, you can use the money-saving secrets of the ultra-rich and use these laws against the bank to eliminate as much as 50% of your debt.

Get Out Of Debt:

Getting out of debt is hard. Most people only make minimum payments to reduce their debt; however, this method can waste a lot of time and money. Financial institutions use complex math formulas to keep you enslaved to them. To get out of debt, you need a solid strategy."

Have Your Money To Work Hard For You:

The rich use debt to make money. Instead of spending long hours working, they put their money to work for them by investing in various opportunities.

Conclusion:

I'm going to introduce you to an idea we call "The Money-Saving Secrets of the Ultra-Rich." The wealthy not only earn more than the poor and middle class, but they also know how to spend their money wisely, making the most out of every dollar. If that sounds interesting to you, visit ultrarich.alphalifestyleacademy.com.

Introduction:

Most people know they should eat right and exercise to lose weight, but 80% regain it. The diet industry overlooks that breaking lifelong bad habits is hard. Cravings caused by chemicals in the body make changes difficult. The key is making small changes over time for drastic results.

We All Know How To Lose Weight:

Most of us have a basic understanding of what to do to get in shape and lose weight. We know we should eat right and workout however, Even if you do lose weight 80% of people will gain it all right back.

Why put yourself through the pain of not eating the foods you enjoy, going hungry, and waisting your money joining a gym if your just going to gain it all back?

You see the diet and fitness industry only focuses on 3 major area
1) Diet
2) Nutrition 
3) Exercise

Breaking A Lifetime Of Bad Habits:

The missing factor that majority of the fitness industry chooses to ignore is
What we humans can do is amazing however, what we will do is something else.

You have a lifetime of eating fast food, chips, soda’s and then all of the sudden you decide to go on a diet. You have the knowledge of how to lose weight however, You have a lifetime of bad habits you now need to break and your brain can’t handle the pressure.

You also have little critters in your body that feed off the bad food you eat. Once you start eating good and stop eating toxic food YOU BEGIN KILLING THESE CRITTERS, So they release chemicals into your body that make you crave this type of food.

Most diets require you to go cold turkey and your brain can’t handle the pressure. We need to take baby steps. There are 7 things you can do to lose weight before you start dieting and or exercising. Not giving up everything all at once but rather making small changes that are easy to do.

I know this sounds crazy! and goes against everything we’ve been told. I’m telling you……You can lose weight without making major sacrifices.

Once you see results you’ll want to sacrifice something else. Soon you’ll be in the best shape of your life and never want to go back!!

I’ve never been fat however, I do have what is called skinny fat. I look fine until I take my shirt off so I lost 20 lbs in 2 months not by dieting but by changing the patterns in which I ate. I never went hungry, I didn’t change the things I was eating. I ate Taco Bell, Burger King, McDonald’s and still lost the weight.

Easiest Diet You've Every Tried:

My Buddy Sam Chand tried this to lower his blood pressure. Not changing what he ate he changed the times he ate at and lost enough weight to lower his blood pressure. Today Sam is in the best shape of his life without having to take blood pressure pills.

Sam who hated the idea of not eating his favorite foods said “This is the easiest diet I’ve ever tried”

You see your body goes through 3 stages of digestion. Each stage lasts between 1-5 hours so if you don’t know what stage your in you’ll work way to hard and still not lose weight.

Most people workout during stage #1 which only burns the food you just ate. This is the slowest way to lose weight.

Making A Difference To The Obesity Problem:

The reason we’re doing this is simple. I want to make a difference in the world we live in today. 

I would love to pay it forward and to be the solution to the obesity problem in America. That to many people today are not given the chance because companies want money. So I’m giving you your chance right now to start living the life you deserve and being a partner in your transformation.

You may not realize that being out of shape impacts much more than just your health it impacts your marriage, your finances, your confidence, your courage and every other area of your life.

Imagine eating all the foods you enjoy and still lose weight? Imagine had you of know this your whole life. Think how much better your life is going to be.

Conclusion:

The diet and fitness industry has been misleading you for too long. While they emphasize diet, exercise, and weight loss supplements, much of their advice can actually undermine your success. For instance, studies show restricting certain foods to lose weight may lead to overeating by 133%.
However, there are 7 things you can do to lose weight before you start dieting and exercising. I want to help you break free from the diet and fitness industries mind games. Visit http://eatwhatyouwanttoloseweight.com

Feature Content:

When something bad happens to you your mind and body keeps a record of it an creates an algorithm which creates a pattern of self-sabotage.

When we fail the body starts producing the hormones of stress, if we stay in that state of mind long enough then failing becomes a habit in which more bad things are more likely to happen to us thus, creating the hormones of stress. Cortisol is just one of the hormones of stress. Cortisol is known by scientist as the death hormone because it leads to so many life threating illnesses.

In Dr. Jordan Peterson book the “12 Rules For Life” in which he explains when you are successful the brain produces a chemical called “Serotonin” which is also called the happiness hormone and the more you succeed the more Serotonin the body produces, however, once successful does not always mean you will remain successful because once you have a traumatic failure you body produces another chemical that you may never recover from unless you understand how to hack your behaviors. 

How To Get Out Of A Rut?

When a person experiences a dramatic failure, they may develop the habit of failure, explaining it as being in a rut where they go from one failure to another because the body is no longer producing the right level of serotonin to be successful. They end up making poor choices that self-sabotage, which explains why they go from failure to failure.

Research is pointing to the fact that vitamin D boosts serotonin levels. Again, the more you succeed, the more serotonin the body produces.

By boosting your vitamin D levels, your body may be able to produce enough serotonin to be successful again.

In the article "Master This Secret Hack To Lose An Average of 7 lbs. More Than Diet & Exercise!" at Alphalifestyleacademy.com, we shared some research indicating that the larger the body is, the higher a person's vitamin D requirements are. With 50% of the US population being deficient in vitamin D, we can see why people's lives are in the state they are.

Some studies suggest that the dose should depend on how much you weigh. They found that for every pound you weigh, you might need around 32 to 36 IU of vitamin D to keep your levels in check. This could mean needing more than the usual 600 IU if you’re heavier.

How To Get Vitamin D?

When it comes to increasing your vitamin D levels, nature has some of the best solutions. From soaking up sunlight to indulging in foods rich in vitamin D, there are simple ways to give your body the nutrients it needs. In our upcoming modules, we’ll explore these natural sources in more detail and show you how they can benefit your health. Stay tuned for a deeper dive into the wonders of sunlight and vitamin D-rich foods!

Conclusion:

If you have low vitamin D levels, it’s recommended to get a blood test. One option to boost your levels is by getting a vitamin D IV bag. Unlike supplements or vitamin-rich foods that take time for your body to use, a vitamin D IV goes straight into your bloodstream, allowing your body to use the nutrients almost immediately. Some people feel more energized within 30 minutes after getting a vitamin D IV, although it won’t make you lose weight that quickly.

When you work with average, anyone can help you lose some weight but when you work with professionals who are already at the top of their game results are a lot less obvious

We look at everything, what worked, what hasn’t, things you’ve tried, issues at home, stress, anxiety and things that may cause you to self sabotage yourself

Bel-air weight loss and cosmetics is not just a weight loss clinic but a lifestyle brand, where we look at other factors that impact the results you are getting out of life. 
 

If you are ready to take the next step, and have heard enough, I want to invite you to book your free consultation.

Featured Content:

For some of you watching weight loss influencers on social media, weight loss books may be enough for you to get the results you need.

For others of you, you my need the guidance and treatments that only a medical trained weight loss professional can give.

You have a lifetime of bad habits, poor eating choices, and self destructive behaviors that cause you to self sabotage yourself. So, if you think you can lose weight by yourself think again. 

Studies show without maintenance visits with doctors, dieters regain over 5% of their weight back between 5 and 15 months. 

Tim Grover is the performance coach of some of the world most legendary athletes including Micheal Jordan and Kobe Bryant.

Part of his job is to get atheles in top condition.

Often times, his job is to help athletes lose weight. Some of these athletes believe they can lose weight all on their own however, in a matter of weeks get cut from the team.

If pro athletes, with millions of dollars on the line can’t lose weight on their won wha makes you believe you can do it? 

You need to work with a medical trained weight lose professional who can consistently help to achieve your weight.  

So I want to invite you to book a session at BelairWeightLossAndCosmetics.com , who not only offers the latest weight loss treatments. But will also work with you to develop the behaviors to achieve long lasting results.

If you are ready to take the next step, and have heard enough, I want to invite you to book your free consultation.

This Is Not A One Size Fits All Solution:

We all have advantages as well as disadvantages when it comes down to our health. Instead of forcing you to fit into a certain mold we will look at how to use your distinct gifts to your advantage

When you work with average, anyone can help you lose some weight but when you work with professionals who are already at the top of their game results are a lot less obvious

We look at everything, what worked, what hasn’t, things you’ve tried, issues at home, stress, anxiety and things that may cause you to self sabotage yourself

Bel-air weight loss and cosmetics is not just a weight loss clinic but a lifestyle brand, where we look at other factors that impact your weight, your health, and aging  

If you are ready to take the next step, and have heard enough, I want to invite you to book your free consultation.

Just book your free consultation at the resources you see here in the video, or down further on the page.

Introduction:

Cutting back on the foods you enjoy is one of the worst ways to start losing weight because, though we don’t like to admit it, we are addicted to food. Once we stop eating those foods, we will crash.

These types of diets are called restrictive diets, which research has found boost overeating by 133%.

We need to make small changes over time that give us drastic results.

Drink Plenty Of Water:

Many times, people confuse hunger for thirst. So, by staying hydrated, you are less likely to overeat.

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Eat In The Proper Stage Of Your Digestion:

The fastest way to start losing weight is to burn fat. Most people do not burn fat but rather burn the food they just ate, which is much harder to lose weight with because you have to burn so many more calories.

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Fix Vitamin Deficiencies:

Fixing Vitamin Deficiency can cause us to self-sabotage ourselves because we may feel anxious and/or depressed. What do people do when they are anxious and/or depressed? They tend to overeat and eat the wrong foods.

So, by addressing any vitamin deficiencies, you are less likely to overeat and/or eat the wrong foods.

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Bio-Chemistry Of Losing Weight:

We are a cocktail of different brain chemicals that impact the way we live our lives. We live in a stressful world; however, if we do not understand how to manage our stress, we will feel more stressed than we need to, which can cause our hormones to become unbalanced, leading to holding on to more fat.

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Sleep:

If we do not get enough sleep this will cause our bodies to create cortisol which creates belly fat.

There is also something called a resting metabolism, so while we sleep we can burn more fat and help us to avoid our destructive behaviors.

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Friends:

Do the people in your life support you in your journey to becoming a healthier you? We’ve all heard terms like: "birds of a feather flock together," "show me your friends, and I’ll tell you who you are," and the scripture from the Bible, Proverbs 13:20, "The one walking with the wise will become wise, But the one who has dealings with the stupid will fare badly."

But it goes much deeper than that; the "Framingham Heart Study" found that obesity spreads by contagion. So if your friend’s friend’s friend — whom you’ve never met and lives a thousand miles away — gains weight, you’re likely to gain weight too. And if your friend’s friend’s friend loses weight, you’re likely to lose weight too.

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Change Your Environment:

Psychologists have found that changing your environment can change your brain chemistry.

What is known as the “Robins study” in Vietnam: the soldiers were addicted to heroin, and there was concern that when the soldiers returned to the US, there would be massive addiction problems. However, that was not the case. Only a small percentage of the returning soldiers were still addicted or relapsed once they returned home.

So, by changing your environment, it can give you the kick you need to start a new routine.

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Conclusion:

Once you get these six areas of your life under control, you can then introduce a healthy diet and exercise into your routine.

Diets fail because people make too many changes too quickly to lose weight, and the brain can't handle it, slipping back into their same old destructive habits. I want to introduce to you some key ideas: eat what you want, never go hungry, and still lose weight.

You will not look like a celebrity or have the body to appear on the front cover of a fitness magazine; however, this will give you the results that most people are looking for and totally change your health.

Visit http://eatwhatyouwanttoloseweight.com

Introduction:

Success ain’t just about knowing what to do. We have—environmental junk, emotional , and physical stresses—that make our brains into a toxic and hamper our ability to perform..

Einstein, believe it or not, was tagged as a loser for a good chunk of his life. But did he didn't sit around whining about it.He hit the brain gym six days a week. Fast forward to 1905, aka the Einstein miracle year. He drops groundbreaking ideas that flip the world on its head.

No matter if you’re at the age of collecting Social Security or still figuring out how to adult, the next 12 months could be your own miracle year. Past fails? Forget ’em! Time to unleash your genius within.

Build A Brian To Perform:

Dr. Daniel Amen from the Amen Clinic, who has conducted over 83,000 brain scans, said in his TED Talks video that those with healthy brains are healthier, happier, wealthier, wiser, more creative, and more innovative.

ATTENTION! The following video is provided by a 3rd party vender. If the video is no longer available it is because the owner of the video or Youtube removed the video from their servers. we apologize for any inconvenience.

ATTENTION! The following video is provided by a 3rd party vender. If the video is no longer available it is because the owner of the video or Youtube removed the video from their servers. we apologize for any inconvenience.

Now Einstein is someone you would never imagine having a hampered brain. However, Einstein was considered a loser for many years. In a 2014 documentary, it shows he was turned down for every job he applied for.

His father even tried to get young Albert a job; however, not even his father could get him a job.

He was so depressed by this fact that Einstein wrote a letter to his family stating, “It would have been better if he had never been born.”

Depression shrinks your brain and hampers your brain’s ability to perform.

Scientists say: “Depression is like giving your brain a lobotomy.”

After some time, one of Einstein’s friends finally got him a job as a lowly patient clerk.

In 1998, neuroscientists discovered neuroplasticity.

Einstein was not born with his brain; he built it.

In Dr. Joe Dispenza's TED Talk, he shows that your brain is like plastic, and with each thought, you shift the shape of your brain and build thicker and thicker neuro-connections.

Einstein optimized his brain by working six days a week reviewing patients. He had to cultivate his brain by reviewing patients and breaking it down into a mathematical formula, which optimized his brain's performance. In 1905, during what is called “Einstein's Miracle Year,” he discovered the theory of relativity, E=mc^2, and other groundbreaking discoveries that changed the way we see the world forever.

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Your Miracle Year:

No matter how many times you've tried before, no matter how many times you've failed before, and no matter who says to you, “you've tried before,” this may be your miracle year.

Just like Einstein, I struggled with ADHD, dyslexia, and other so-called learning disabilities. However, I optimized my brain to perform so I could get a job as a business strategist working for a $400 million dollar marketing firm, often collaborating with executives from billion-dollar companies like Crete Trucking, P&G, Victoria's Secret, and many others.

You have environmental, emotional, and physical stresses that make your brain toxic and hamper your brain's ability to perform.

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Detox Your Brain To Perform:

In order to optimize your brain to make more money, you have to detox your brain and give it proper nutrition. The Amen Clinic has conducted over 83,000 brain scans, and with the help and research of other neuroscientists, we have put together this simple plan to optimize your brain to make more money. First, we'll start by optimizing your lifestyle. Then, we'll look at the biochemistry of success.

We are a cocktail of different brain chemicals that influence our emotions and impact our personality. One of these brain chemicals is linked to higher chances of success. Most people let these brain chemicals control them, but in order to truly be successful, you must understand how to hack your brain.

There are what are called in psychology the “Big 5” personality traits; however, there are two personality traits that are the greatest predictors of wealth. You will want to take our performance-based personality test to see if you have these two traits that are the greatest predictors of wealth at http://millionairetest.alphalifestyleacademy.com.

In addition to our performance-based personality test, we offer three additional personality tests because many companies offer a one-size-fits-all solution. With us, we need to understand your advantages as well as your disadvantages so that we can use your gifts to your advantage for you to get the best results.

We will also look at how your childhood impacted your future success. Your past may have installed patterns of failure that you must heal from if you are to succeed, because no matter how smart you are, in order to succeed, you have to escape from these self-destructive behaviors.

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Conclusion:

There are two personality traits that are the greatest predictors of wealth. What is interesting is that these are also the same personality traits that are greatly associated with longevity, health, and happiness.

Some people are born with these traits, while others, like you and me, have to cultivate them. So I want to invite you to visit millionairetest.alphalifestyleacademy.com.