How to find the Greater Fool in selling your home, 2024-2026!

 The Great Fool Theory of Investing in Real Estate is based on the real estate cycle. The book, The Bubble that Broke the Bank explores ways to avoid the greater fool theory. The greater fool in real estate is based on the transfer of risk from the seller to the buyer. The real estate cycle is signaling a 5-year downward cycle. The sellers of residential real estate or homes that are overpriced and have high interest rates. 

Sellers have to find buyers who have no understanding of real estate positioning. The buyers are driven by unrealistic assumptions of the value of homes. Sellers working with realtors use various tactics to sell overpriced homes:

                        1. FOMO- The fear of missing out on the appreciation of home prices. Realtors sell the assumption of rising prices, refinancing, variable interest rates, and higher comparables as the basis for price. 

                        2. The use of a lack of supply inventory to buy homes. The assumption is that a low supply of homes will create price appreciation and an infinite rise in real estate prices. Realtors used this to sell homes to foolish buyers. The buyers are unaware that the real estate cycle is in crash mode. The homes they buy depreciate in value from being overpriced and real value is found in the equilibrium for home prices based on income.

                        3. Sellers are faced with falling prices and realize they waited too long to sell their homes. They must use small price reductions and give inexpensive incentives to sell their properties. They work with realtors to find foolish buyers to buy their property. Sellers are in competition with home builders who have a comparative advantage.

                        4. Sellers use a special psychology on buyers during the downward trend. Buyers are driven by ego, self-delusion, heat seekers, and FOMO. The sellers use the fact that buyers have no market history or understanding of the real estate cycle. They will sell their overpriced homes and high-interest rates to foolish buyers.

The Sellers manipulate the real estate data to find buyers who are under the mistaken belief of an infinite rise in prices. The seller will use economic terms of supply and demand to fool the buyer into false assumptions. The longer they hold the homes that they will eventually go up in value and they recover their cost over time. This is the Herengracht fallacy which was exposed by the economist Piet Eichholtz. 

Consequently, the sellers must use this crash psychology to unload the real estate at the highest prices. Realtors are used to market the property and the foolish buyer cycle creates the next wave of default and foreclosures. Buyers are unable to refinance and are forced to give up their properties. The buyers may recover their losses in the next 15-year upturn in the real estate cycle at much lower prices.

The Great American Barbecue: How to Survive and Prosper in the Real Estate Crash: 2023- 2026!

The new book The Great American Barbecue: How to Survive and Prosper in the Real Estate Crash: 2023-2026 opens up new opportunities from the real estate crash. Whether you're worried about the value of your home, your stock portfolio, or your 401k, you will find new answers. In clear, easy-to-understand terms, this book goes into the end of the Bull Market. 

This is the first time the book reveals the key formula in determining the depth and magnitude of the bursting housing bubble of the Bull Market. This book gives unique strategies to deal with stocks, bonds, oil, commodities, currency, and precious metals. 

Moreover, the book reveals money-making strategies to use for the coming Bear Market. It will explore why the Bear market is one of the dangerous phases of real estate investing. The actual timetables are given to the reader to time the various money-making strategies.

 The book reveals the key indicators of a housing crash. It solves essential financial puzzles that will allow the reader to deal with the coming devaluation of home prices. It describes the skyscraper index and how the tallest building in the world signals a major downturn.

 It uses the inverted index to disclose the future of interest rates. According, it looks toward a revolutionary new formula to time the coming real estate events. It uses copper and lumber and the great hurricanes to show a pattern of future price declines.

How will you survive the crash?  The book introduces the reader to the Real Estate spider web. The spider web is a chain reaction of companies that will follow the housing and apartment collapse. The spider web gives the reader an investment list of companies that will be hit hard by the real estate-induced recession. These companies will lose over 30% of their value on the stock market. 

The book allows the reader to explore the greatest opportunity of the Real Estate Bust. The recovery phase is the key to developing the next million-dollar fortunes. This hidden phase is often disguised to the average American and they mistakenly believe the bust will go on forever.

 The timing of the recovery phases allows for extraordinary bargains. This is the phase that allows real estate investors to buy real estate at below wholesale prices. The bust period allowed for a collapse of the overvalued homes and apartments and hit all-time price lows. The recovery creates long time investments and future legacy wealth.

Finally, the book gives a list of the top star cities of the future. These are the cities that will grow the fastest and have high employment and higher real estate appreciation. The top 10 cities will become the new avant-garde cities of cultural and economic progress.

 The book allows the reader to explore the nightmare of the real estate bust with the merging of glorious recovery. The future will become a haven of wealth and opportunity in the new America. Dr. Charles S. Herrera's new book tracks an exciting period in American History. 

The Keys to the Shadow Banking System: COLLEGES AND UNIVERSITIES NEED TO ADOPT A GOLD STA...

The Keys to the Shadow Banking System: COLLEGES AND UNIVERSITIES NEED TO ADOPT A GOLD STA...: \ The new reality for higher education is the adoption of a Gold Standard to deal with the Coronavirus Pandemic. We need to establish...

COLLEGES AND UNIVERSITIES NEED TO ADOPT A GOLD STANDARD HEALTH STANDARDS!

\

The new reality for higher education is the adoption of a Gold Standard to deal with

the Coronavirus Pandemic. We need to establish a "clear, consistent, transparent " protocols for the higher education community. Colleges and Universities cannot open their campus unless they develop an implemented system on the campus.

 There cannot be any exceptions to opening the campus in a timely and uniform manner. We need to develop five levels of transparent standards for on-campus teaching. These five standards are an outline that can be adjusted for any college or university in the United States.

STANDARD ONE: CONTROL ALL INBOUND POSSIBLE INFECTIONS ON THE COLLEGE CAMPUS.

 This means that colleges and universities will become exclusive communities that have a restrictive membership. The campus security will monitor and adjust anyone coming in the campus environment that is a visitor, family member or non-students. Campus security will use restrictive ID'S and photographic recognition software to verify every one of the campuses Those individuals that cannot produce university ID will be escorted off-campus.

STANDARD TWO: THE MAJOR GROUPS OF STUDENTS AND PROFESSORS, ADMINISTRATION, STAFF, CUSTODIAL WORKERS, CAFETERIA WORKERS WILL BE SUBJECT TO HEALTH TESTING AND CONTACT TRACING.

 Essentially, The college community will be subject to health testing and determine the health status of each member of the community. Students will fill out questionnaire and register place of residence that is fed into a computer database.

 The faculty will register and have health testing for corona-virus. Students and faculty be subject to quarantine if the test is positive and creates a moral hazard for the community. The university community will be  issued restrictive ID and mask, gloves and

social distance for each building.

STANDARD THREE: THE UNIVERSITY SECURITY WILL BE THE FOCAL POINT OF UNIVERISITY ENFORCEMENT OF RESTRICTED ID.

The University campus security will be responsible for registering each Student and Faculty ID. Their database will be used for all members of the University community. The campus police will set up University signage and clear communications with the community. The campus police will use the same standards to regulate library, bookstore, gym, sports, clubs, and vendors coming on to the campus. 

STANDARD FOUR: THE UNIVERSITY CLASSROOM WILL BE THE FOCAL POINT OF THE UNIVERSITY TRANSFER OF KNOWLEDGE. COLLEGE PROFESSORS WILL HAVE ALL RIGHTS UNDER THE CODE OF ACADEMIC FREEDOM AND ACADEMIC INDEPENDENCE. 

The students who are enrolled in the class will be subject to all health standards determined by the new college policies. The Professor has total control of all academic materials and the use of academic freedom in the classroom. Each classroom will have a computerized check-in and will be verified by the computer database. There will be no administration limitation on the role of academic freedom in the classroom 

STANDARD FIVE: THE UNIVERSITY ADMINISTRATION WILL SET UP AN APPEAL BOARD FOR ALL MEMBERS OF THE UNIVERSITY COMMUNITY. 

The problems of injustice, inequality, and unfairness are part of the democratic search for equality in the university community. The university community has the right to appeal unfair decisions and seek redress for acts that are arbitrary and discriminatory. The President of the College will be head of the board. The appeal can be overturned by civil and criminal trial courts. No constitutional rights ae waived by the university community.

Essentially, the purpose is to open up the colleges and university for the students. We will be rebranding the experience based on health standards. The purpose is to use design teams to create a transparent university community. We want all students to learn and professors to teach on their professional levels of expertise. This is only designed as a series of guideposts to deal with the Corona-virus Pandemic.

THE CORONA VIRUS PUBLIC HEALTH WAR MODEL!

The Corona Virus has created what Arnold Toynbee called the challenge and response model. The new challenge of the Corona Virus has created a series of Herculean challenges for the American economy and society. The old world of social and economic stability is under attack and will need an effective response to the Corona Virus.  We are at the beginning phase of the Public Health War. This war will require the American Federal Government to mobilize the American Public.

What is the new Corona Virus Pandemic Model?

 The First element of this model is the actual scientific understanding of the characteristics of the virus. The virus is based on a unique transmission and stability factors. 

The transmission is based on the geometric rate of infection based on the exponential level of growth. This means that the virus moves from individual cases and forms a cluster of infection. The cluster of inflection grows at a geometrical rate of growth. There is a doubling process every 3 to 6 days. This creates the global statistics of  1 billion infections and 230 million serious cases. The United States will have a possible infection rate of 90 million Americans and 2 million dead.

The medical reality is that the United States as not been able to stop the transmission rate under 1.0. We will be hitting a " arnot" rate of 6 to 9 individuals. This means that for every infected American will spread this to 6 to 9  other individuals. This will multiply to other individuals. 

The Public Health consequences are the collapse of hospital beds and crowding out of quarantine facilities. The lack of hospitals with capacity will result in the continuing spread of the virus. The Federal Government needs to build hospitals now and plan Femma based housing for homeless Americans. 

The Second element is the American Economic Tradeoffs in the American economy. The United States will see a deflationary shock to the stock market. The stock market will be in a free fall for at least 2 years. This means that daily life will be slowing down. The entire American economy will experience a slow-motion slowdown. 

Danny Dorling, Oxford Professor, has outlined the global impact of the great de-acceleration hitting the world. The American stock market will have 2 quarters with zero earnings growth!

 The question becomes what do the American people value money or individuals? The economy will hit new lows and collapse in energy prices. The corporate establishment will have to make plans for public health investments.

 The Federal Reserve model of both business and government participation can be converted into Corporate investment and Federal Government. health model. This is the major trade-off for the investment community's responsibility for being a corporate citizen in the United States.

The Third element is the active role of the Federal Government to create a new Public Health War Model. President Trump needs to set up a war room to plan to attack the spread of the virus and the containment of the virus. There needs to be emergency funding and creative solutions to expanding the role of the Federal Government in this 3-year war.

 The President needs to activate a series of New Deal type legislation working with Congress and pass the Public Health Funding Program. The Federal Government needs to hire marketing firms to educate the American public on the dangers of this virus.

The Keys to the Shadow Banking System: OPERATION YELLOWHAMMER AND BRITISH PEAK INEQUALITY...

The Keys to the Shadow Banking System: OPERATION YELLOWHAMMER AND BRITISH PEAK INEQUALITY...: On September 6, 2018, a secret British plan was given the code name Operation YellowHammer. This plan would cover 13 vital areas with t...

The Keys to the Shadow Banking System: THE RISE OF THE AMERICAN PROMETHIAN ENTREPRENUR CL...

The Keys to the Shadow Banking System: THE RISE OF THE AMERICAN PROMETHIAN ENTREPRENUR CL...: The United States of America is in the process of creating a new class of Promethean entrepreneurs. Dr. Herrera 's new book Ameri...

THE RISE OF THE AMERICAN PROMETHIAN ENTREPRENUR CLASS!

The United States of America is in the process of creating a new class of Promethean entrepreneurs. Dr. Herrera 's new book American Prometheus: the Fire Bell of Revolution: 2020-2030 challenges our outdated ways of thinking about technological innovation. Dr. Herrera explains why Promethean innovations are now forming the essential infrastructure of technological capitalism.

This new class of American entrepreneurs has replaced the 20th-century middle-class entrepreneurs.
The old middle-class industrial capitalism has been replaced by 21st-century technological capitalism. The "fast future " of accelerated technological changes is based on a revolutionary paradigm shift from local and linear world-view to a global and internet connected world. This creates a generational 10x capability of using newer 21st Century technological tools versus the 2x generational ability to manipulate 20st-century technological tools.



We are now using exponentially new information technologies. The 20th Century middle class is locked into a much slower rate of change. The 20th Century politicians are unable to compete with the complex interaction between the millennial generation and exponential new technologies. Both Democratic and Republican politicians cannot deal with this massive reconstruction of American society. Dan Sullivan clearly echos this paradox, "Choose to make your Future bigger than your Past".


Why are the American politicians behind the "eight ball"? They are unable to create a political agenda that incorporates the massive changes that are driving the Fourth Industrial Revolution. They are slowing down the necessary progress to reconstruct American society. What do they not understand?


The Fourth Industrial Revolution is the foundation for the new Technological Capitalism This involves the following areas of changes: microcomputer, miniaturization, Execo-skeleton, internet world, robotics, autonomous car, medical implants, alternative energy, artificial intelligence,, industrial real estate, human 3 D printers, nanorobots, autonomous cars, cybercrime, biological programming, digital human brain, robotic people, aging revolution,  virtual reality and genetic shifting of DNA.

The new technological money will be created by a new cryptocurrency- Facebook will duplicate the success of the Chinese app WeChat for its American audience. Facebook will set up a new non-profit corporation incorporated in Switzerland.

 The idea of Swiss financial independence and neutrality will allow for a worldwide audience of consumers. The Facebook organization will be the promoters of the $ 2 Billion Libra "money". The Libra coin will allow individuals without bank accounts and credit to become part of the financial revolution.

 The new currency will be backed by a basket of currencies and major financial corporation which will allow for currency stability. The financial guarantee will most likely be denominated in  $300 to $500 million dollars of 30 year U.S. Treasury bonds. All accounts will be secured by the full faith and credit of the U.S. government.

What is the new Promethean mindset? The new entrepreneurs have harnessed the profound changes created by the Fourth Industrial Revolution. The Promethean entrepreneurs have developed an integrated mindset to reduce the complexity of change into an operational mindset of economic success.

 The 10X model generates incredible gains in a short period of time. This new 10X model is based on global internet and exponential growth of new information technologies. The "Fast future" has been reduced into a series of critical operations and allows for expansion of new 21st Century businesses.

The essence of the Promethean mindset is that it leads to simpler and more efficient solutions to technological complexity. People pay for simple solutions that make their lives comfortable and easier to deal with technological changes. The new business solutions are now ready for the marketplace and generate a path of wealth creation.

THE COLLAPSE OF THE AMERICAN LUXURY HOME MARKET 2022-2032!

The coming collapse of the " Little Caesar"  luxury homes will be a new shock to the real estate market.  We currently have 2,357 million homes valued at million dollars plus homes. The luxury market is entering into the "Greater Fool Theory of Investing".

 According to the new book, The Bubble That Broke The Bank we have entered into a recessionary phase of the luxury market. The market will be going down for the next 5 years. This will force sellers who have overpriced homes into a crash market.

 They need luxury buyers fools to buy their properties. Many luxury homes have high insurance and property taxes. Many luxury homes are frozen with high monthly costs and no buyers. We will start to see price reductions from $ 1Million to $10 Million dollars. Real estate brokers are working on new incentives to attract buyers who will become the greater fools of real estate investing.

 These homes are located in 22 cities in four major states: California(950,959), New Jersey( 100,000),  Mass. (63,256). and Connecticut (50,436). We have about 3% of all homes classified as million-dollar homes. Only 16% of American millionaires own million-dollar homes. Currently, 83% of all millionaires own homes that cost between $400,000 to $600,000.

The "Million Dollar Listing" will devaluate by 50% over 10 years. These homes will become low-performing investments. These homes are facing three major problems:

(1) Aging baby boomers who want to downsize their homes due to high costs of taxes, insurance, repairs, and maintenance;

 (2) The new 2023  tax laws have hit the coastal cities with higher taxes and taxpayers fleeing these high-tax areas; 

 (3) the Chinese and foreign markets are going into a deleveraging of assets. Chinese investors are facing a new emerging currency control of taking out only $10,000 US dollars.

The luxury home market must sell their homes at a 50% discount. The homes may face even lower discounts. These luxury homes have a very small market of buyers who make from $500,000 to $800,000 qualifying criteria. The majority of Americans can't afford these homes. This is a fantasy for lottery dream sellers.

 Currently, there is a large shadow inventory of homes that are coming to market. These homes are increasing the supply of homes and the decrease in demand is imploding the market. 

The millennials are not interested in old luxury homes. They are looking for new luxury homes that represent a different view of luxury. They are looking for a customized home that represents a comfortable view of ownership.

 The American and International real estate agents will be facing a 50% decline in commissions and fees. This part of the real estate market will end up only having 10% top producers. We estimate about 90% of luxury brokers will seek new areas of real estate. This will last for 10 years.

The Chinese investor market will be facing the new economic reality of a deleveraging economy. The Chinese economy will face higher tariffs, currency controls, and a collapsing American luxury market.

 This means that their current luxury home investment has depreciated by 50%. This money will be lost for 10 years. Chinese investors understand the coming changes in China! The Great Bear Market Real Estate, 2022-2026 is the most dangerous period for investment in Luxury homes. Buyer Beware, and Real Estate agents run for your life.

THE COMING COLLAPSE OF THE U.S. DOLLAR !

The coming collapse of the U.S. Dollar and the Tariff Trap are creating a new reaction to the new inflationary environment. The 15-year cycle started in 2017 and will go until 2024. There will be a 

50 % decline against the Euro and Yen. According to leading trackers of The Bisset Hedge Fund Group, this will signal the end of the strong dollar. The existence of a 15-year cycle defies the logic of the great Deflation in the United States. The United States has gone through a period of deleveraging assets for the last 10 year.

The two currencies growing at 14% per year are both the Euro and the Yen. The Euro and Yen will gain close to 50% over the period of 7 years. The consequence of this new appreciation will allow all investment that are denominated in Euro and Yen to have the highest rates of return. This signals the fact that Japan and Economic Union will have unexpected larger rates of return. The banks are out of touch with the great currency shake-up

The goods and service of the American economy will be cheaper due to the depreciating dollar.  But in a world where tariff wars make it more expensive to buy goods and service. China is going through a negative business cycle that will collapse International  GDP by 40%. The American importer will pay more for Chinese goods and Chinese will not benefit by holding US dollars. The American exporter will be selling at cheaper prices but the holder of the US dollar will lose 50% of their investment. The Currency risk is now a major factor in dealing with international countries.

The new Hall of Mirror will reflect shifting values for American denominated investments. The rising inflation coming through rate hikes and higher wages will begin a new 20 year cycle of inflationary wildfires The gold investor will have to hold gold denominated in Euros to gain maximum returns. How will you know that this will happen? Just track dollars against Euros and Yen. 

.

The Keys to the Shadow Banking System: POLITICAL JUDO: THE ART OF WINNING POLITICAL ELECT...

The Keys to the Shadow Banking System: POLITICAL JUDO: THE ART OF WINNING POLITICAL ELECT...: WHAT IS POLITICAL JUDO?  POLITICAL JUDO IS THE APPLICATION OF JUDO INSIGHTS INTO WINNING POLITICAL ELECTIONS. POLITICAL JUDO TEACHE...

POLITICAL JUDO: THE ART OF WINNING POLITICAL ELECTIONS!

WHAT IS POLITICAL JUDO?

 POLITICAL JUDO IS THE APPLICATION OF JUDO INSIGHTS INTO WINNING POLITICAL ELECTIONS. POLITICAL JUDO TEACHES A VERY SUBTLE PHILOSOPHY OF USING LEVERAGE TO OVERTHROW A POLITICAL OPPONENTS ISSUES. 

POLITICAL JUDO USES THE FOLLOWING GUIDEPOSTS TO THROW AN OPPONENT:

A. POLITICAL JUDO USES AWARENESS OF FIGHTING POLITICAL STYLE. EACH OPPONENT HAS A FIGHTING STYLE AND MUST BE DEFEATED BY FLIPPING HIS FIGHTING STYLE.

B. POLITICAL JUDO USES POLITICAL ALIGNMENT OF AN ALL OUT ATTACK ON THE OPPONENT. EVERY ASPECT OF THE POLITICAL CAMPAIGN MUST BE TRAINED TO FIGHT IN ALIGNMENT OF FIGHTING STYLE.

C. POLITICAL JUDO MUST CREATE A STATE OF ENGAGEMENT WARFARE. ALL ENGAGEMENT FROM DEBATES TO PHONE CALLS ARE A SYMBOL OF AUDIENCE OR VOTER ENGAGEMENT.

D. POLITICAL JUDO CALLS FOR VICTORY THROUGH ACTION. POLITICAL ACTION IS THE OUTCOME OF ALL ATTACKS.  THESE ATTACKS ARE THE ESSENCE OF VICTORY.

 THE PURPOSE OF JUDO IS NOT TO EDUCATE YOUR OPPONENT BUT TO ACHIEVE SUBMISSION. THERE IS NO SUBSTITUTE FOR VICTORY!

 VOTERS MUST UNDERSTAND THAT YOU HAVE EARNED A CLEAN THROW AND SUBMISSION HOLD AND YOU ARE THE  WINNERS!.

POLITICAL JUDO IS THE ART OF MAXIMUM  EFFICIENCY WITH MINIMUM RESOURCES. POLITICAL JUDO TEACHES THE ART OF FLIPPING THE OPPONENT AND BREAKING HIS CENTER OF GRAVITY. THE GOAL OF POLITICAL JUDO IS TO ACHIEVE POLITICAL SUBMISSION OF AN OPPONENT.

POLITICAL JUDO USES FUNDAMENTAL THROWS AND GRAPPLING TECHNIQUES TO DOMINATE THE POLITICAL LANDSCAPE. POLITICAL JUDO USE OFFENSIVE THROWS TO DEFEAT AN OPPONENT AND INCREASE VOTER SHARE. THE USE OF PRESSURE POINTS AND ARMLOCKS INCREASES CONTROL OF THE OPPONENT. POLITICAL JUDO USES COUNTER-MOVES IN COMPLIANCE WITH GAME THEORY TO COUNTER WITHOUT THINKING.

POLITICAL JUDO TEACHES THE VALUE OF HAVING ONE MIND VERSUS A FOX MIND. THE ONE MIND TEACHES A RUTHLESS APPLICATION POWER OF FOCUS OVER AN OPPONENT. THE OPPONENT WILL BE FORCED TO DEVELOP A FOX MIND AND GO INTO SEVERAL DIRECTIONS.

HOW DOES POLITICAL JUDO CHANGE THE CANDIDATE MATRIX? POLITICAL JUDO CHANGES THE DIRECTION, MOTION, RESPONSE AND USE OF AVAILABLE RESOURCES IN THE FOLLOWING AREAS:

1. CREATIVE  CANVASSING: THE USE OF INNOVATIVE TECHNIQUES TO REACH AND MEASURE VOTER RESPONSES USING IPADS. GIVING SPECIAL INFORMATION TO POSITIVE VOTERS TO REINFORCE THEIR BEHAVIOUR.

2. INTEGRATED CRM TO FIND POINTS OF POLITICAL INTERSECTION AND NETWORKING WITH THE VOTERS. USING POSITIVE REINFORCEMENT TO CREATE AN EXPECTATION OF SPECIAL VIP DAY FOR VOTERS.

               

         3. CALLING VOTERS TO FIND UNKNOWN INFORMATION ABOUT THEIR KNOWLEDGE OF POLITICAL OPPONENTS. USING ADVANCED INTERVIEW TECHNIQUES TO FIND MONEY AND NETWORKS.

        4. TEXTING VOTERS TO ESTABLISH FUTURE POINTS OF POLITICAL ENGAGEMENT AND FUNDRAISING EVENTS. USING MOVIE THEATER SCREENS TO MARKET SPECIAL MESSAGES AND OPPORTUNITIES FOR VOTERS.

                   5. ANALYTICS OF VOTERS WHO PROVIDE A DEMOGRAPHIC ANALYSIS AND FRACTAL ANALYSIS OF THE EDGES OF VOTER PARTICIPATION.

6. VOTER FILES TO TRACK POLITICAL DONORS AND VOLUNTEERS TO FIND NEW OPPORTUNITIES.

                7. DATA ENHANCEMENT WHICH FORECASTS AND PROJECTS POSSIBLE VOTER PARTICIPATION RATES. THE EVALUATION OF VOTERS WHO WILL RESPOND TO NEW POLITICAL EVENTS.

  8. CREATIVE  FUNDRAISING TO REACH VOTERS BY USING INNOVATIVE POLITICAL MARKETING  TECHNIQUES. CREATING A TANGIBLE AND INTANGIBLE REWARD SYSTEM FOR VOTERS.

9.  MAGICAL EVENTS WHICH LEAD TO VOTER EXPECTATIONS OF TRANSFORMATION. ALLOWING VOTERS TO EXPERIENCE A VIRTUAL EXPERIENCE OF NEW WORLD OF VOTER UNIVERSE. THE CREATION OF VOTER UNIVERSE OF MAGICAL EVENTS.

10. THE INTEGRATION OF COMPETITIVE INTELLIGENCE TEAM TO RESEARCH THE REAL FOUNDATIONS OF THE CANDIDATE. THE RESEARCH  TEAM WILL USE ESTABLISHED INTERNET SOURCES AND NINJA SOURCES.

                                       11. DIGITAL JUDO MARKETING TEAM TO INTEGRATED THE FOURTH INDUSTRIAL REVOLUTION PARADIGM WITH NEW SOCIAL MEDIA PLATFORMS.

POLITICAL JUDO IS CREATING A CAMPAIGN THAT IS FORCING A CHANGE OF THE STATUS QUO. POLITICAL JUDO USES POSITIVE CONFLICT AS A CREATIVE FORCE. IT IS POLITICAL MARKETING THAT CREATES THE ULTIMATE OVERTHROW OF THE OPPONENT.  

NEW BOOK ON KING KAMEHAMEHA !

Dr. Charles S. Herrera will be publishing a new book called the Kamehameha Diaries. This exciting new book will introduce revealing history to the American Public. Many Americans have never been exposed to the secret history of Hawaii. This revealing book will trace the epic heroic cycle of Kamehameha to the founding of his own dynasty. Kamehameha bones were buried in the caves of Kaloko in the Northern part of the Kona West coast of the Big Island of Hawaii. The Kamehameha Diaries records the secret kahuna chants and hidden military knowledge of the battles and secret kahuna omens of battle. The Diaries disclose Kamehameha's beautiful wedding on the Waikiki beach. The secret road to Hana is the essence of Maui. The Diaries disclose a rare collection of letters, journal, newspapers, and original manuscripts.

The Kamehameha Diaries gives a rare insight into the leadership of Kamehameha.  This is the first time we have a new view of Kamehameha as a political leader and his role in the assassination of Captain Cook. The ultimate irony is that Kamehameha was poisoned by his own wife! Kamehameha Diaries explore the traditional Hawaiian culture of kapu and punishment. The Kamehameha Diaries reveal the original "Temple of Doom" on the mysterious island of Molokai. Chief Kahekili unleashes savage vengeance on Kamehameha through is cannibal ghost dogs, evil kahunas, and the living dead night marchers. The epic battles of conquest on the island of Maui and Oahu create a new evolution of Hawaiian warfare.

Dr. Charles S. Herrera was awarded 2018-2019 outstanding History Professor by the Maricopa Community College District. Dr. Herrera is a History Professor at Paradise Valley College. Dr. Herrera has over 20 years of experience. He is currently working on a new Las Vegas screenplay on the early days of Las Vegas. He will be writing a new book on Technological Capitalism in the 21st Century. The Fourth Industrial Revolution has created a new existential reality for every American in the 21st century.

FINANCIAL INVESTMENTS FOR 2020! WELCOME TO THE UPWAVE!

The Financial Upwave has started in 2017 and we will experience a new American Renaissance lasting 26 years. This will begin a historical rise in the American economy and last until 2044. This is the beginning of a new era.  What is the 5th Upwave Renaissance?

1. COMMODITY PRICES SOAR.
2.. THE NOUVEAU RICHE RETURN.
3. BUYING ON CREDIT BOOM.
4. INTEREST RATES RISE.
5. PROPERTY PRICES RISE.
6. WAGES RISE: UNIONS GROW IN POWER!
7. STOCK MARKET FORTUNES.

WHAT ARE THE TOP TEN INVESTMENTS OF THE FUTURE?

1. POWER OF DIVIDENDS
2.  COMPOUND INTEREST
3. EQUITIES
4.  COLLECTIBLES
5.  COMMODITIES
6.  REAL ESTATE
7.INSURANCE
8.  NATURAL RESOURCE INDUSTRY
9.   WEAK DOLLAR
10. GOLD AND SILVER INVESTMENTS

WHAT ARE THE FACTS ABOUT INTEREST RATES:

1. SIDNEY HOMERS EPIC WORK ON INTEREST RATES: 3,000B.C. TO 350 A.D.  INTEREST RATES WERE FROM 4% TO 15%!

2. HIGHEST INTEREST RATES IN THE 20TH CENTURY?

5 1/2% IN 1979, 1980, 1981, 1982

3. LOWEST INTEREST RATES IN 20TH CENTURY?

1 1/2% IN 1945.

4. LOWEST PRIME RATES AT 1.50% IN 1935, 1940, 1945, 1946.

5. HIGHEST PRIME RATES AT 18.87% IN 1981

6. LOWEST HOME MORTGAGE RATES AT 4.70% IN 1945.

7. HIGHEST HOME MORTGAGE RATES AT  16.31% IN 1981.

REMEMBER, POLITICAL EVENTS REINFORCE ECONOMICS.

The Keys to the Shadow Banking System: DIGITAL DOCTORATES IN THE 21ST CENTURY!

The Keys to the Shadow Banking System: DIGITAL DOCTORATES IN THE 21ST CENTURY!: We have entered the Fourth Industrial Revolution which has revolutionized the 21st Century. The traditional 20th Century Ph.D. is stuck in t...

DIGITAL DOCTORATES IN THE 21ST CENTURY!

We have entered the Fourth Industrial Revolution which has revolutionized the 21st Century. The traditional 20th Century Ph.D. is stuck in the pre-digital revolution. We need to develop a new 21st Century paradigm in order to create the Digital Ph.D.

The digital Ph.D. is now considered the new state of the art in the field of academic research. The entire dissertation is a product of electronic creation and distribution. We can now finish a Ph.D. in 3 years and eliminate the waste and inefficiencies of the traditional Ph.D.

We can fast-track students without having to take unnecessary courses, language requirements and physical residence on a specific campus. We have the necessary Web tools necessary to transform the physical environment into an electronic environment. The new Digital Ph.D. come with complete youtube orientations, Ph.D. editors, weekly supervision meetings, electronic meetings and web counseling.

We can use the emerging artificial intelligence to integrate all the research in the world. We can coordinate all the databases and articles into a unified whole. The modern researcher can use the archives of the top universities and glean the scientific research from over 10,000 science articles. Artifical intelligence and neural networks can scan millions upon millions pieces of data into a mosaic of understanding. The ease and success of doing a Digital Ph.D. will change the graduate experience.

We can now place students with Digital Ph.D.'s into faster employment routes. The students can electronically apply to Private Industry and Academic positions. The new employment platforms are now merging into becoming a fast track source for Digital Ph.D's. The traditional 20th Century Ph.D. is centered in failure and 10-year program. The high dropout rate of 60%  and mental breakdowns can be eliminated by the Digital Ph.D. The traditional Ph.D. has become too expensive and exploitative of students and needs a complete shift into the Digital Ph.D.

5,000 STOCK MARKET DROP SNOWBALLS INTO A STRATEGIC RETREAT!

THE STOCK MARKET HAS BEGUN ITS STRATEGIC RETREAT FROM ITS INCREDIBLE RISE TO THE TOP. THE STOCK MARKET WILL HIT A LOSS OF 5,000 TO 8,000 POINTS. WE ARE AT A ROLLING TOP THAT WILL ADJUST TO THE FAULT LINES OF HIGHER PRICE RESISTANCE. THIS IS NOT A BARGAIN MARKET. THE TELEVISION PUNDITS ARE SELLING THIS AS A BUYING OPPORTUNITY. THIS IS NOT A FIRE SALE. THIS MAY BE THE BEGINNING OF THE LONG AWAITED BEAR MARKET!

 THE PROFESSIONAL TRADERS HAVE ALREADY EXITED THE BUILDING AND THE INSTITUTIONAL BUYERS WILL LEAVE SHORTLY. THE RETAIL BUYERS AND FOREIGN BUYERS WILL ALSO LEAVE THE MARKET.

NAPOLEON HAD INVADED MOSCOW AND ACHIEVED A TOTAL VICTORY. THE REALITY IS THAT HE HAD BLUNDERED INTO A SNOW STORM OF DEFEAT CREATED BY THE RUSSIANS. THE AMERICAN  STOCK MARKET IS OVERVALUED AND WILL BE ENTERING A LONG TERM WINTER. ROBERT SCHILLER HAS ISSUED SEVERAL ALERTS TO THE FACT THAT AMERICAN STOCKS COSTS TOO MUCH.  THIS WILL NOT IMPACT THE REAL USA ECONOMY.

THE HIGH ECONOMIC COST OF GRIEVING IN AMERICA!

The high cost of grieving is an American paradox. The majority of American do not associate grieving with its actual economic costs. The entire field of grieving is an ongoing debate between the subjective nature of grieving versus clinical objective benchmarks for grieving. The majority of Americans are stuck in the mud of living in a subjective state without an awareness of the true costs of grieving. There is a growing body of scientific research that demonstrates clinical objective solutions to grieving and economic costs.

What does grieving cost in today economy? If we are to use a three-year benchmark then we can determine the cost structure of grieving. The surviving spouse usually has not adequately planned for the financial costs of grieving. The usual planning involves funeral planning and the burial costs.

What are some of the costs involved in the economic grieving cycle? We must use an objective indicator that calculates the actual costs resulting in resolved grieving. There is a state of unresolved grieving that can lead to early death. Unresolved grieving is a growth industry that capitalizes on this psychological dilemma. The majority of American men easily fall into the unresolved grieving trap. They under- estimate  the high cost of doing nothing and not preparing for the 3 year journey.

  The unresolved grieving results in a psychological disintegration which creates unresolved problems from (1) Health Problems; (2) Financial Problems; (3) Unemployment Issues; (4) Family Relationship Problems ; (5) Complicated Psychological Grieving Problems; (6) Suicide;  (7) Depression and (8) drug addiction.

The successful grieving process results in a state of Psychological Re-Integration into society. We can assume a three year period for successfully resolved grieving. We can assume a basic cost of              $ 26,000.00 and an average of 15 individuals involved in the holistic psychological economic process. What are the essential costs?




A. THE FUNERAL EXPENSES AND BURIAL COSTS ARE $8,000.00.
B. LOSS OF SPOUSAL INCOME TAX DEDUCTION OF $2,000.00.
C. PSYCHOLOGICAL COUNSELING $2,000.00.
D. HOSPICE COUNSELING SERVICE VALUE FOR 1 YEAR $1,500.00.
E. FAMILY AND FRIENDS MEETING AND DINING COST AT $2,500.00
F. MEDICAL DRUGS AND RELATED ITEMS $450.00.
G. PSYCHOLOGICAL GRIEVING TRIPS $3,000.00
H. REMODELING OF HOME AND DECOR $3,000.00.
I. OPPORTUNITY COSTS LOSS FROM SPOUSAL DEATH $3,000.00
J. NEW CAREER ADJUSTMENT PLANNING FOR NEW LIFE $1,500.00.

The total is $26,950.00 over three years!

 This figure is based on actual receipts and conservative estimates of goods and services. The minimum grieving insurance policy needs to be at least $50,000.00. The majority of Americans do not have adequate protection and experience dealing with the grieving cycle.It takes an average of 3 years to achieve a realistic state of resolution You need a village of at least 15 individuals helping along the way to psychological resolution.  According to Confucius: "Stop thinking about the road not taken and pave over the one you took!".

TRUMP'S NEW " PANCAKE FEDERALISM" AND THE AMERICAN ECONOMY!

Donald Trump has started a new policy of "deconstruction" of the Federal Government. Currently, there are 87,504 types of Government in the United States of America. This ranges from Federal Government, State Government and local governments.

There is an average of 1,749 local government for each state! The rules of the game are published in the U.S. Constitution. These specific rules of the game consist of the expressed powers, implied powers, and inherent powers granted by the U.S. Constitution. The role of the President is to faithfully execute the laws of the United States.

President Trump new policy is to reverse the Franklin D. Roosevelt's "New Deal" to Trump's "Pancake Deal". The Republican party has now embraced a course to reverse the "Welfare State" of the 1930' to creating a new 2020's  "Corporate State". President Trump would like to reverse the majority of President Obama's "new deal updates" with a new "pancake federalism".

 Republican President Calvin Coolidge used his five-year pancake breakfast as a brand for downsizing the federal and state government. President Coolidge employed the top public relation firm to create the " pancake breakfast".

Trump's new experiment is to "drain the swamp" by starving the 87,504 types of American government of cash. Trump's economic strategy is to flatten the 87,504 types of government into a pancake. The economic trade-off would be to empower the top 500 Corporations and banks with deregulation and lower taxes.

President Trump wants to adopt new policies that downsize all federal branches of government. He can "deconstruct" the executive, legislative and judicial branches of government. The Republicans control both houses of Congress and can pass Draconian laws which economically starve the Federal Government and State government.

The goal of "pancake federalism" is to create a political framework which creates a depressionary environment for Federal and State government. The purpose is to reduce, downsize, degrade and eliminate government workers and services. For example, education would become a sunset industry by reducing government funding. Public school teachers would be facing a decade of declining wages and income.  They can downsize all federal positions by hiring freezes and funding. The entire new Tax plan would be the first step to creating this new experiment in "deconstruction".

Trump's ultimate goal is to create a 1920's type of economy in the United States. The roaring 2020's will be based on lower tax rates, fast economic growth, deregulation, stagnant Federal and State spending, new entrepreneur class, new sunrise industries and new manufacturing in the United States. The top 40% will see an incredible rise in wages and income and the 60% will miss the 2020 train of success.

NORTH KOREA AND COMING COLLAPSE OF MACAU CASINO STOCKS!

THE TRUMP FOREIGN POLICY OF CONTAINMENT MAY CREATE A TIDAL WAVE OF COLLATERAL DAMAGE TO MACAU ECONOMY. THE MACAU ECONOMY SUPER EPIC BUBBLE STARTED IN 2001 AND COLLAPSED IN 2014. THE NEW CASINOS CREATED SURPLUS WEALTH OF $ 4.4 BILLION THAT NOW HAS DISAPPEARED TO LESS THAN 2.1 BILLION DOLLARS.

THE COLLAPSE OFTHE MACAU STOCK MARKET WAS BASED ON THREE MAJOR FACTORS: (1) THE CHINESE COMMUNIST PARTY CRACKDOWN ON THE CHINESE  CORRUPTION; (2) THE VIP HIGH ROLLER USING THE CASINOS TO CIRCUMVENT CURRENCY RESTRICTIONS; (3) THE BUSINESS DOWNWAVE IN THE CHINESE ECONOMY AND EXCESSIVE HIGH VALUATIONS OF CASINO STOCKS.

THE NEW FACTOR THAT MAY CREATE A NEW TRIGGER OF PANIC IS THE COMING NORTH KOREAN SHOWDOWN. THE NORTH KOREAN SHOWDOWN WILL BE BE MET BY THE GREAT AMERICAN FLEET. THE GREAT AMERICAN NAVAL FLEET WILL CHALLENGE AND CONTAIN NORTH KOREAN NUCLEAR PROGRAM. HOW WILL THE NORTH KOREAN GOVERNMENT REACT TO THE NEW AMERICAN PRESSURE?

NORTH KOREAN MAY STRIKE OUT AGAINST THE AMERICAN CONTAINMENT. THE FALLOUT WOULD HIT THE MAJOR ASIAN ECONOMIES. THE MACAU ECONOMY WOULD PLUNGE THE FIRST QUARTER BY 24.5% AND SECOND QUARTER WOULD BE 26.4%.

THE CASINO STOCKS WOULD PLUNGE TO RECORD LOWS. THE AMERICAN STOCKS WOULD BE HIGHLY EXPOSED TO A DOWNWARD PRESSURE OF THEIR MACAU HOLDINGS.

THE SHORT IN MACAU STOCKS IS NOW AT AN ALL TIME LOW AND COULD BE THE KEY TO PROTECT LONG POSITIONS IN MACAU. HOWEVER, THE MAJOR LAS VEGAS CORPORATIONS WOULD TAKE A MAJOR LOSS ON THE THEIR FOREIGN HOLDINGS. REMEMBER, LAS VEGAS IS THE UNOFFICIAL CAPITAL OF THE UNITED STATES.