Category Archives for Philosophy

Develop a Culture of Service

I wrote this after clients complained of poor service with one of our vendors:

If you are in a customer/client based company the most important thing to emphasize in the day to day operations would be service. Unfortunately, a lot of companies overlook this very simple concept. Actually, many think first about monetary gains and second about the customer/client. Putting the dollar in front of the service is the equivalent of putting the cart before the horse. It's a losing equation for all parties. The company, while they may see short-term profits, will never retain long-term loyalty, and the client gets poor service and has a bad experience. Developing a culture of service should be the highest priority for any company or entrepreneur that wants to stand the test of time. The only way to differentiate, create loyalty, and ensure you have made a good first and last impression on every customer/client that you deal with are to put that individuals needs above your own. When the customer service that you render is of the highest quality there will be no shortage of money flowing in.

Sincerely and with gratitude,

Joseph P. Tufo

Cash Flow Specialists, Inc.

Certified Cash Flow Consultant, Certified Capital Specialist

925-352-6000 Cell 800-669-2700 (USA Only) WOTC Tax Credit to $9,600 Per Newly Hired Qualified Employee Agent Opportunity: Tax Credits, Expense Reduction Save Big Bucks! PFP, Community Opportunities, REEP

Skype: jptufo




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Trust, Integrity and Service Here Today Here Tomorrow

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My Failures – I’m Far From Perfect.

My failures

I'm far from perfect.

I have had two incidents in my life that are painful:

Medco which I've written about and posted on my website. In 1996 I had been S-7 and S-63 licensed for many years. My broker dealer (BD) was aware of the note program I marketed and their compliance department had been informed, in fact, the president of Medco had several accounts with me at the broker dealer and the president of the BD knew the president of Medco. When Medco imploded the BD had selective memory loss and threw me under the bus. I lost my licenses.

I was arrested 12/19/14 and charged with a securities violation. I waived extradition in the spirit of cooperation and was extradited to Alabama. I had never conducted business in Alabama and had never traveled to Alabama in my life.

I had hosted a weekly webinar/conference call for many years. A gentleman whom I had known for about five years, who was a VP at a plasma refinery, had introduced me to a gentleman about a year earlier who claimed that he owned many gold mines in the USA and Africa. They wanted to speak on my calls. After about a year I agreed. Greg, the VP, would introduce Richard who owned the mines and they would talk about their program.

Some clients placed funds and were paid on time for several months. Then the payments stopped. Richard, the owner of the mines, became very hard to reach so I called the FBI and reported the matter. When Richard was arrested he blamed Greg and me and 59 others.

Instead of accepting responsibility he acted horribly. What's worse is that he's an ordained minister. His business failure cost me and my clients almost $1.35million. I've agreed to pay restitution even though I "earned" less than $20,000.

I work very hard for clients. I have 40+ years of financial services experience in insurance, securities, and financing. I taught insurance for 19 years and finance from a Biblical perspective for 17 years.

I have both traditional funding sources including a 100+ year old European Bank that funds $5million to billions with 20% down plus closing costs in about 30 banking days to a Next Generation of Funding source that requires membership and 20% down and funds $100,000 to $250million at 3% to 5% fixed for 25 years, and alternative sources such as the investment bank that has funded more than $250billion in projects and funds $10million to $2billion with $500,000 in due diligence fees, a gold backed bond program that funds $50million to $250million with 3% down plus closing costs, an alternative lender that funds $3million to unlimited with 5% down, rates 4% fixed for up to 25 years. There are others all described on my LinkedIn profile and website.

Prospective clients are welcome to meet me in San Francisco.


Sincerely and with gratitude,
Joseph P. Tufo
Cash Flow Specialists, Inc.
Certified Cash Flow Consultant, Certified Capital Specialist
925-352-6000 Cell 800-669-2700 (USA Only) PFP, Community Opportunities, REEP

Skype: jptufo
Commercial Real Estate Loans, Business Funding, WOTC, Specialized Tax Incentives, Cost Segregation, R&D Tax Credit, Property Tax Mitigation, and More...
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Trust, Integrity and Service Here Today Here Tomorrow
You may schedule a visit and meet me in person in the beautiful San Francisco Bay Area
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Why Investigative Due Diligence Is A Modern-Day Imperative

The failure to conduct thorough due diligence can leave your firm vulnerable to substantial loss or liability. Today, only a complete due diligence investigation can provide you with the confidence to move forward with a new investment, partner or venture. How thorough must today’s investigations be? Just consider a few statistical realities:

  • Only 65% of all criminal records are available from the FBI fingerprint database.
  • Applicants falsify information on resumes more than 40% of the time.

Our preferred investigations firm meets a higher standard.

Our preferred investigations firm tailors its due diligence investigations to match the needs of each individual client. They use recognized best practices suited precisely to each specific engagement. Unlike other firms that have developed cookie cutter methodologies and procedures, our preferred investigations firm maintains a customized approach.

With every investigation, you are appointed a lead investigator who leans on our preferred investigations firm century of experience and accumulated wisdom to create the most appropriate investigative strategy for your case. The result is a report with a degree of detail and depth you get only from our preferred investigations firm .

Our preferred investigations firm conducts in-depth research to gather confidential and timely information about the business history, resources, credentials and reputation of parties of interest. Our preferred investigations firm Due Diligence Investigation uncovers:

  • Identity Risks
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  • Criminal Records
  • Financial Crimes
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  • Omissions of Material Information
  • Inflated Qualifications

Advanced technology drives hard-to-find insights.

In addition to its team of seasoned investigators, our preferred investigations firm leverages advanced background checking technologies pioneered by Sterling, its parent company. Our preferred investigations firm has efficient access to a vast collection of background data that can give you an early view of interim information. The proprietary Sterling Talent Solutions technology you’ll benefit from includes:

  • Court Direct: Direct access to primary source criminal records from over 2,000 jurisdictions throughout the US.
  • Complete Criminal Locator: An exclusive technology that searches 15.7% more places for applicant records and finds up to 23% more criminal records as a result.Identifies possible criminal activity through name, social security number, and other criminal databases.
  • Pulls from hundreds of data sources across millions of criminal records, identifies thousands of potential criminal records that others miss and then uses social security number traces to find and match up records.

Expertise in emerging markets and underdeveloped countries.

Your risk grows considerably as you head into emerging markets and countries with lower transparency. Lack of regulatory infrastructure, standardized reporting and established legal systems can hamper a complete investigation. Our preferred investigations firm has conducted thousands of investigations, and counting, in emerging markets, including the Middle East, Africa and India. In fact, our preferred investigations firm experience, advanced technology and customized investigative approach make them the superior choice in every corner of the world.

Having worked in Financial Services since November 1976 in insurance, securities, business consulting, and residential and commercial mortgages you owe it to yourself to be diligent. If I can be of service please call me 8am to 6pm Pacific any day but Sundays and holidays at 1.925.352.6000 direct or on What'sApp or at jptufo on Skype.



Sincerely and with gratitude,

Joseph P. Tufo

Certified Cash Flow Consultant, Certified Capital Specialist, Certified Trainer MedXPrime

925-352-6000 Cell 800-669-2700 (USA Only) MedXPrime programs and services Financial Halo programs and service. Consider enrolling as a new Associate. PFP: Earn Up To 19%, REEP Agent Opportunity: R&D Tax Credits, Expense Reduction WOTC Tax Credits to $9,600 EE Our Average Client Receives $240,000 in Tax Benefits! Dr Helo The BEST wearable technology for health

Skype: jptufo


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On the weekend of November 15, 2014 while something historical took place most of us were sound asleep.

That autumn morning in Brisbane, Australia the G20 leaders posed for photo ops, approved a series of proposals, cast stones at Russian President Vladimir Putin and then whisked back to their respective countries.

It all happened so fast, that few leaders realized what they endorsed. They had rubber-stamped the Financial Stability Board’s “Adequacy of Loss-Absorbing Capacity of Global Systemically Important Banks in Resolution,” which completely changed the traditional rules of banking.

Russell Napier, writing in ZeroHedge, called it “the day money died.”

While we still feel confident our money is still in the bank, it is future deposits that can now be counted as dead, unlike coins and paper bills which cannot be tracked or, according to Napier, given a “haircut.”

But, that also recently changed. Keep reading, you’ll be glad you did...

Napier continued by stating that bank deposits are now “just part of commercial banks’ capital structure.” In plain English, this means your future bank deposits can be “bailed in” or confiscated to save mega-banks from ventures that have gone wrong.

Instead of banks focusing on their clients’ needs, these new rules prioritize payment of banks’ derivatives obligations to each other. This puts depositors like you and I at the end of the line.

Furthermore, banks now target pension funds for their latest bail-in plan, calling the tactic “bail-inable” bonds.

“Bail-ins” have been implemented by banks to avoid future government bailouts and eliminate the fall of too big to fail (TBTF) entities. However, the end result is a bail-in movement as mega-banks are saved from bankruptcy by expropriating the funds of depositors and creditors.

The fact is that bail-ins will likely have worse consequences than bailouts for depositors, since deposits under $250,000 in the US are protected by federal deposit insurance, which in itself has become severely underfunded due to the banks’ exponentially growing derivative claims.

Recent financial trends point to a looming cash shortage among U.S. banks.

Americans are finding it harder than usual to withdraw physical cash from their bank or retirement accounts.


As U.S. banks endeavor to turn your cash into “zero’s in cyberspace,” they are launching an all-out war on cash, making those who deal with physical money out to be terrorists or money launderers.

At the same time, stocks for most U.S. banks have taken a nose dive. The Federal Reserve is pushing the idea of negative interest rates on bank deposits.

NIRP (Negative Interest Rate Policy) will allow U.S. banks to charge you on-going fees on all accounts with a positive cash balance.

Economic metldowns in countries like Ukraine, Cyprus and Greece show that governments have the power to do this.

This special report exposes new U.S. banking policies anyone with a bank account should be aware of; Suspicious Activity Reports [SARS], Negative Interest Role Policy’s (NIRP) and Bail-in’s.

To regulate money flow, including deposits that you put in a bank, the government is setting a limit on the amount of cash that can be withdrawn.

Most of us have heard of CTRs, [Currency Transaction Reports), which are filed for any withdrawal over $10,000.00.

However. SAR‘s are required for movements as small as $5,000.00.

When Should SARS Be Filled And Submitted To Authorities?

According to details obtained from the FDIC website, here are the instances when a SARS must be filed:

(1) Insider abuse involving any amount.

(2) Transactions aggregating $5,000 or more where a suspect can be identified.

(3) Transactions aggregating $25,000 or more regardless of potential suspects.

(4) Transactions aggregating $5,000 or more that involve potential laundering or violations of the Bank Secrecy Act.


To curtail the chances of money laundering, banks are mandated to fill out SARS on a regular basis. The fact is, there is a minimum quota of SARS that banks are required to submit to authorities since US. government regulation requires all banks to file mandatory SARS involving their customers.

Banks can even be fined severely if the SARS submitted are deemed insufficient, and their banking charter can be revoked as the hammer falls on the banks’ management if they fail to comply with U.S. regulations. In some instances, individuals could even face prison time.

Could There Be Existing SARS With Your Name On Them?

If you are an investor with an extensive portfolio or are involved in substantial cash transactions, there is a high likelihood that your banker may have submitted a SAR about you.

Accordingly to the U.S. government, as of October 2015, more than 3 million SARS have been submitted. However, the Justice Department claims that the number of SARS filed so far is insufficient. The Justice Department is now actually encouraging banking executives to get the police involved when dealing with customers.

A senior official from the Justice Department was quoted as telling banks to pick up the phone and dial 911, whenever they become suspicious about a customer. The official said:

“[We] encourage those institutions to consider whether to take action: specifically, to alert law enforcement authorities about the problem, who may be able to seize the funds, initiate an investigation, or take other proactive steps.“

In summary, as stipulated by the Federal Deposit Insurance Corporation, banks are required to file a SAR when “a transaction is made or attempted by a customer either with the bank or its associate, which is in excess of $5,000.00.”

Have you recently been involved in such a transaction? The odds are, that you have. We heard a lot about NIRP in 2016. However, have you ever imagined what happens when a bank’s interest rate falls BELOW zero?

Banks will charge you a fee for keeping your money with them. As crazy as it may sound, most banks in Europe have lowered their interest rates to less than zero. Japan has also followed suit as these countries are cutting their interest rates in a bid to renegotiate their economies, while others do this to dispel foreign investors.

Whatever the reason, cutting interest rates is an unconventional option which can have dire negative consequences on the global economy.

The possibility that all banks will agree to lower interest rates below the zero mark would inevitably lead to one World Central Bank in the future.

Recent Developments

Just last year, the Bank of Japan shocked everyone when they decided to adopt a less than zero interest rate. This came less than 2 years after Europe’s Central Bank [ECB) took the lead in dropping interest rates below the zero mark.

Since alternatives to stimulating their economy were quickly exhausted, it is no surprise a large number of other countries are willing to try out this technique. They understand that negative interest rates hinder banks’ ability to hold cash on behalf of their customers, who do not want to pay useless fees, and instead promote risk taking by putting more money in the economy.


“Current economic realities might push interest rates below the zero mark.” Janet Yellen - U.S. Federal Reserve

The ECB now charges banks 0.4% interest to hold money overnight, a practice that began on March 10th of last year. By contrast, banks that extend loans to customers are offered a premium by the ECB.

Denmark and Sweden have both utilized negative interest rates to maintain their currency strength against the Euro. For the first time in 45 years, Switzerland decided to cut their deposit rate below the zero mark.

Since interest rates are controlled by the Central Bank, a negative interest rate will surely affect all fixed income securities.

Statistics show that as of February 2016, over $1.7 trillion of government bonds will be in the negative.

Such a failure in U.S. bonds means that, if you were to invest in a government bond and wait until it matures, you have no chance of getting all your money back.

Although most banks are hesitant to implement negative interest rates in the fear of losing customers, others are embracing it and see it as their only chance to generate revenue since interest rates on loans controlled by the government continue to plummet in an attempt to stimulate a volatile economy.


“ I think U.S. authorities could do it today - and I mean today! Paul Tucker - Central Bank Of England Deputy Governor

Because there are no more taxpayer bailouts coming from the Federal Reserve, top Wall Street banks are now on their own. This means that rather than using taxpayers’ money to cushion banks’ wasteful spending, it’s the money in your bank account that will instead be used to bail out the banks.

To make matters worse, banks have been given power to seize funds in any account whenever they send the economy in a tail spin like they did in 2008.

If you’ve ever heard your grandparents telling about their experience with the Great Depression in the 1930s, you must prepare for a similar economic disaster.

How Can Banks Do This?

By contract, whenever you deposit your money in a savings account, the right of ownership to that money is taken away from you.

The money now officially belongs to the bank.

To the banks, the money you keep in their custody is simply an unsecured debt. You should completely erase the thought of the Federal Deposit Insurance Corporation (FDIC) safeguarding your money from your memory, especially now that banks have re-arranged their priorities when it comes to the settling of debt.

The margin between FDIC insured assets, which are measured in mere billions and outstanding derivatives which are worth trillions, is actually very wide.

Did you know that the protection on your deposits is limited to $250,000 worth of insurance and is also dependent on the size of FDIC liquid assets in offsetting depositor’s money?

Ellen Brown was once quoted as asking: “What will be the fate of American depositors when big financial institutions like Bank of America or JP Morgan Chase are driven into bankruptcy, considering that they have large derivative?

The deposits in these two banks is in excess of $1 trillion, and the hypothetical values are more than the GDP of the world combined.”


Not too long ago, depositors had their money taken away from them when Cypress sank into economic troubles.

The surprising thing about it was that most of the depositors were Russian oligarchs.

Wall Street banks and other banks around the world are trying to copy the Cypress method. Anyone who can read the times well, knows that the time has come for everyone to withdraw their hard earned money from JP Morgan Chase and Citibank and take it to smaller banks.

Otherwise, you risk losing your money - period!


Unlike contractual agreements, which may take the form of capital requirements, a bail-in is a legal power granted to troubled financial institutions that allow them to stay afloat by turning unsecured debt in their custody to equity.

The chief aim of a bail-in is to help a troubled financial institution re-capitalize after an economic downturn. The problem with bail-ins is that they come at your expense, not taxpayers.

Some of these terms may sound foreign, but here are some important facts to note:

  1. What was known as bankruptcy is now known as "resolution proceeding". The smartest way for banks to solve their insolvency problems is to convert their liabilities yo capital. to remain in operation after insolvency, troubled banks are now free to utilize unsecured debt in their custody.
  2. There are many different definition for "unsecured debt," but it is mainly used to refer to deposits kept with banks. Insolvent banks can become solvent by taking ownership of the hard earned money of their depositors. In the event of bankruptcy, a bank's stock can become useless.
  3. The U.S. government will soon adapt Cyprus' method od seizing their unsuspecting depositors' money.
  4. Rather than selling whatever they have left and packing up, some money crazy banks will prefer to stay afloat no matter the cost.

And who bears this cost? We depositors.

Whether you accept it or not, the money you keep in your savings account is an “unsecured debt” to a bank. Your money is part of the trillions of dollars that will have to wait in line before it can be paid out.

However, the Bankruptcy Act of 2005 coupled with the Dodd Frank Act both serve as a protection to derivative counter-parties because it empowers them to claim collateral, should a financial institution become insolvent. In plain English, should your bank become insolvent, you can bid farewell to your money because the possibility of getting it back is slim to none.

Considering the fact that lower and middle class income earners have their money locked in savings accounts, while the elites have theirs invested in preferred stock, real estate and precious metals, it is obvious that it is the poor that will be hit hardest in the event of a bank’s insolvency.

During the banking crisis of 2008, pension funds were duped by Wall Street, and they are ready to get hit again should there be another collapse happen. Since pension funds can be easily converted to bail-in deposits, banks won’t hesitate to lay their hands on them, whenever they are in need of money.

Tracking Precious Metals

As banks continue to rely on bail-ins to save them from their derivative obligations, the resulting mass exodus from the US banking system by depositors is leading many people to precious metals, an investment solution that has offered a unique level of privacy - Until now.

On Sept. 26th, 2016 the American Bankers Association and the Committee on Uniform Security Identification Procedures announced it started tracking a list of Fungible Gold, Silver, Platinum and Palladium Bars and Coins.

The term Fungible as used describes these products as, “Property of a good or a commodity whose individual units are capable of mutual substitution.” Simplifying an interchangeable value system for coins and bars worldwide through CUSIP Global Services (CGS) essentially means, when the banking system needs to calculate your asset value outside of the financial system, or what they have recently labeled as “Black Money,” they can now easily do so.


What is a CUSIP identifier?

A CUSIP is a detailed 45 year old system that uniquely identifies a particular financial instrument. For example:

7M5334AA0 Gold Coin British Sovereign 0.2354 OUNCE



The first six digits identify the issuer, the next two the issue, and the last one is a check digit to validate the information.

CUSIP’s are global identifiers that can be consistently recognized in capital markets throughout the world. Their system currently covers over nine million global financial instruments.

Tracking Precious Metals


The absence of CUSIP identifier numbers for physical-precious metals investment products was one of the mechanical aspects that kept them safe during the turmoil in the financial markets.

With the European banking sector, led by Deutsche Bank and Commerzbank, in collapse mode, investing in digitized physical Gold that is being held in depositories on the behalf of American IRA’s has become very risky.

Experts agree that the digitizing of precious metals traditionally known as private is an insane act of desperation by the central planners.


The solution to protect yourself is surprisingly simple:

• Convert your wealth into forms of Gold and Silver that are the hardest for rapacious governments to regulate via our Asset Exchange Program.

• If you are privately holding precious metals or have a precious metals IRA, contact us to obtain the extensive list of assets that currently have CUSIP Identifier numbers.


It has been evident throughout history that paper money only lasts for a very short period of time.

As a matter of fact, Fiat currency systems are a tool utilized by governments to get out of debt.

Although it remains a powerful currency on the world stage, the harsh reality is that the U.S. dollar cannot last forever.

Just like its counterparts, it will one day plummet in value to match the global economy.

The good news is, you can protect your money from the inevitable loss caused by the downfall of the U.S. dollar.

Like the richest men alive, take a smart step forward by taking your bank deposits out of the fiat currency system and putting it into a system that guarantees optional safety.

You can do this by simply investing in precious metals like Gold and Silver.

A Currency With No Boundaries

We are proud to be of service in assisting you to protect yourself from the evident breakdown of the U.S. financial system.

Our huge supplier database allows us to offer an almost unlimited inventory of the finest, untraceable Gold and Silver in the world.

Join satisfied clients and convert your bank deposits to “Currency without boundaries” by picking up the phone and calling us today at (800) 669-2700, before your earnings are taken hostage by your bank.


SAR Stats Technical Butetin 2015” FinCEN, Financial Crimes Enforcement Network. Oct. 2015. Web. 15 Mar. 2016 hftps://www.fincen.govinews_room/rp/ files/SAR02/SAR_Stats_2_FINALpdf

“Cyprus Imposes Severe Capital Control" Courtney Weaver. The Financial limes Group Mar. 2013. Web. 15 Mar. 2016

“Prosecutor. Banks Need to Do More Than File SARs” Rochel Louise Ensign, The Wall Street Journal. Mar. 2015. Web. 16 Mor. 2016 http://blogs.wslcom/ r1skandcompliance/2015/03/16/top-us-prosecutor-banks-need-to-do-moreHian-file-sars/

“G20 - Total Loss-Absorbing Capacity (TLAC) Principles and Term Sheet” Financial Stability Board, G20 Hnonce Ministers Nov. 2015. Web. 15 Mar. 2016 hltp://

“Ukraine lightens Capital Controls as Hryvnia Drop Fuels Risk” KrystofChamonikolos, Bloomberg Business. Feb. 2015. Web. 15 Mar. 2016 newslarticles/2015-02-23/ukrainebonds-fall-for-7112-day-to-record-afterkharkly-bombing

“Big Banks Can Be Dismantled, Say U.S. and U.K. Regulators” Jesse Hamilton, Bloomberg Business. Oct. 2013 Web. 15 Mar. 2016 articles/2013-10-13/ big-banks-can-bedismantled-say-u-s-and-u-k-regulators

‘’Life Under Capital Controls” The Economist Newspaper Limited. The Economist Newspaper Limited. London Sept. 2015. Web. 15 Mar. 2016 http://www.economist.cominews/ europe/21664223-modern-society-canfunction-without-known-comfortsand-conveniences-life-under-capitalcontrols

Gold is the everyman’s way to save. It holds its value over the long term. As such, it’s a hedge against the ever-falling value of the dollar. Gold is the once and future money.


“In reality, there is no such thing as an inflation of prices, relative to gold. There is such a thing as a depreciated paper currency.”

— Lysander Spooner

“For more than two thousand years gold’s natural qualities made it man’s universal medium of exchange. In contrast to political money, gold is honest money that survived the ages and will live on long after the political fiats of today have gone the way of all paper.”

— Hans F. Sennholz

“When paper money systems begin to crack at the seams, the run to gold could be explosive.”

— Harry Browne

“A sustained policy of inflation leads a gold-standard country to a cumulative loss of gold and finally to the abandonment of that system then the national currency can freely depreciate. In a country whose currency is not convertible into gold, inflation leads to its continuous devaluation in terms of foreign currencies.”

— Michael A. Heilperin

“Until government administrators can so identify the interests of government with those of the people and refrain from defrauding the masses through the device of currency depreciation for the sake of remaining in office, the wiser ones will prefer to keep as much of their wealth in the most stable and marketable forms possible — forms which only the precious metals provide.”

— Elgin Goseclose

“Gold would have value if for no other reason than that it enables a citizen to fashion his financial escape from the state.”

— William F. Rickenbacker

“The paper standard is self-destructive.”

—Hans F. Sennholz

“With the exception only of the period of the gold standard, practically all governments of history have used their exclusive power to issue money to defraud and plunder the people.”

— F.A. Hayek

“The fate of the nation and the fate of the currency are one and the same.”

— Dr. Franz Pick

“The history of paper money is an account of abuse, mismanagement, and financial disaster.”

— Richard M. Ebeling

“The first requisite of a sound monetary system is that it put the least possible power over the quantity of money in the hands of politicians.”

— Henry Hazlitt

“All of the government’s monetary, economic and political power, as well as its extensive propaganda machinery, will be enlisted in a constant battle to drive down the price of gold — but in the absence of any fundamental change in the nation’s monetary, fiscal, and economic direction, simply regard any major retreat in the price of gold as an unexpected buying opportunity.”

— Irwin A. Schiff

“If ever there was an area in which to do the exact opposite of that which government and the media urge you to do, that area is the purchasing of gold.”

— Robert Ringer

“We are in a world of irredeemable paper money — a state of affairs unprecedented in history.”

— John Exeter

“No other commodity enjoys as much universal acceptability and marketability as gold.”

— Hans F. Sennholz

“Of all the contrivances for cheating the laboring classes of mankind, none has been more effective than that which deludes them with paper money.”

— Daniel Webster

“If you don’t trust gold, do you trust the logic of taking a beautiful pine tree, worth about $4,000 – $5,000, cutting it up, turning it into pulp and then paper, putting some ink on it and then calling it one billion dollars?”

— Kenneth J. Gerbino

“Borrowers will default. Markets will collapse. Gold (the ultimate form of safe money) will skyrocket.”

— Michael Belkin

“The international monetary order is more precarious by far today than it was in 1929. Then, gold was international money, incorruptible, unmanageable, and unchangeable. Today, the U.S. dollar serves as the international medium of exchange, managed by Washington politicians and Federal Reserve officials, manipulated from day to day and serving politicians goals and ambitions. This difference alone sounds the alarm to all perceptive observers.”

–Hans F. Sennholz

“Deficit spending is simply a scheme for the ‘hidden’ confiscation of wealth. Gold stands in the way of this insidious process. It stands as a protector of property rights.”

— Alan Greenspan

“Politicians can’t give us anything without depriving us of something else. Government is not a god. Every dime they spend must first be taken from someone else.”

— Barry Asmus

“Increasingly, the wealth of the modern world has come to be represented by financial assets rather than real assets, and this to me is a very unhealthy situation, because financial assets are inherently unstable. Financial assets (currencies, bonds, mortgages, stocks, bank credit, etc.) can be quickly and violently reduced in value, or destroyed completely by either inflation or deflation.”

—Donald J. Hoppe

“Betting against gold is the same as betting governments. He who bets on governments and government money bets against 6,000 years of recorded human history.”

— Gary North

“Gold is forever. It is beautiful, useful, and never wears out. Small wonder that gold has been prized over all else, in all ages, as a store of value that will survive the travails of life and the ravages of time.”

— James Blakeley

“Gold is not going to fade away and just become another useful metal.”

— Donald Hoppe

“Never have the world’s moneys been so long cut off from their metallic roots.”

— Murray Rothbard

“The gold standard sooner or later will return with the force and inevitability of natural law, for it is the money of freedom and honesty.”

— Hans Sennholz

“Every individual is a potential gold buyer, although he may not even need the gold. It may be added to the store of personal wealth, and passed from generation to generation as an object of family wealth. There is no other economic goold as marketable as gold.”

— Hans Sennholz

“To prefer paper to gold is to prefer high risk to lower risk, instability to stability, inflation to steady long term values, a system of very low grade performance to a system of higher, though not perfect, performance.

— William Rees-Mogg

“Start now buying gold coins, any kind, and hoarding them.”

— Dr. John L. King

“The gold standard makes the money’s purchasing power independent of the changing ambitions and doctrines of political parties and pressure groups. This is not a defect of the gold standard it is its main excellence.”

— Ludwig von Mises

“Place 5 percent to 10 percent of your total assets in gold bullion and selected gold and silver coins. No one knows with certainty whether the coming depression will be inflationary or deflationary.”

— James Dale Davidson

“…there seems to be a correlation between the intensity of the official attacks on gold and the severity of monetary crises.”

— Hans Sennholz

“I see a great future for gold and silver coins as the currency people may increasingly turn to when paper currencies begin to disintegrate.”

— Murray Rothbard

“Whenever an overall breakdown of a monetary or financial system occurs, return to gold always restores order, revives confidence and brings back prosperity.”

— Donald Hoppe

“The possibility of a discriminatory capital-gains tax on gold ‘profits,’ or even of outright confiscation, cannot be wholly dismissed. We must remember that in 1933, when private citizens began to exercise their clear legal right to convert their Federal Reserve notes and gold certificates into gold, President Franklin D. Roosevelt suspended the conversion, ordered the citizens to exchange their gold for paper money and made it illegal for private citizens to hold or own gold. in other words, the government not only broke its solemn and explicit pledge to convert its notes into gold on demand, but treated the holder ( and upe) who had taken the pledge serious as the real culprit.”

— Henry Hazlitt

“The authorities in the United States confiscated private gold holdings in the depression of the 1930’s. The may seek to do so again…”

— James Dale Davidson and Lord William Rees-Mogg

“From a strictly economic point of view, buying gold in a major inflation and holding it prob ably presents the least risk of capital loss of any investment or speculation.”

— Hans Sennholz

“Regardless of the dollar price involved, one ounce of gold would purchase a good-quality man’s suit at the conclusion of the Revolutionary War, the Civil War, the presidency of Franklin Roosevelt, and today.”

— Peter A. Burshre

“When you buy gold equities you’re buying gold that hasn’t yet been mined. Making an astute investment will demand an understanding not only of the forces that drive gold prices but also a grasp of the workings of the stock market and the fundamentals of the stock — the company’s reserves, production costs, earnings, dividends and management.”

— Pierre Lassonde

“The great merit of gold is precisely that it is scarce; that its quantity is limited by nature; that it is costly to discover, to mine, and to process; and that it cannot be created by political fiat or caprice.”

— Henry Hazlitt

“It is the greenback which is unstable, and not bullion.”

— Dr. Franz Pick

“Gold will be around, gold will be money when the dollar and the euro and the yuan and the ringgit are mere memories.”

— Richard Russell

“How rare is gold? if you could gather together all the gold mined in recorded history, melt it down, and pour it into one giant cube, it would measure only about eighteen yards across! That’s all the gold owned by every government on earth, plus all the gold in private hands, all the gold in rings, necklaces, chains, and gold art. That’s all the gold used in tooth fillings, in electronics, in coins and bars. It’s everything that exists above ground now, or since man learned to extract the metal from the earth. All of it can fit into one block the size of a single house. it would weigh about 91,000 tons — less than the amount of steel made around the world in an hour. That’s rare.”

— Daniel M. Kehrer

“Bullion doesn’t pay interest or dividends, nor does it grow or expand by itself. That’s the price you pay for tranquility.”

— Pierre Lassonde

“At a minimum, gold will rise to $3,000. A more likely scenario, however, is that the world’s financial system will break down completely. (The basis of that system is the U.S. dollar.) In that case, gold will rise as high as $10,000 to $40,000 — a point at which all credit — paper will be backed by gold.”

— Steve Puetz

“Gold is not less but more rational than paper money. Money holds value so long as it is in limited supply; gold will always be in limited supply and would require real resourced to produce even from the seal paper and printing ink are not in limited supply. The gold system is much closer to a modern automatic scientific control system than the crude and relatively unstable system of paper.”

— William Rees-Mogg

“Start buying gold now, regardless of the price. By acting now, you will not have to react when it’s too late. Too late will be when the majority of the public finally figures out what is happening to paper money and frantically tries to get aboard. Remember, if you’re one of the ones holding paper in the end, you will have given away your products and services for nothing.”

— Robert Ringer

“Money is gold, and nothing else”

— J.P. Morgan

“The desire for gold is the most universal and deeply rooted commercial instinct of the human race.”

— Gerald M. Loeb

“Even during the period when Rome lost much of her ancient prestige, an Indian traveler observed that trade all over the world was operated with the aid of Roman gold coins which were accepted and admired everywhere.”

— Paul Einzig

“The history of fiat money is little more than a register of monetary follies and inflations. Our present age merely affords another entry in this dismal register.”

— Hans F. Sennholz

“As fewer and fewer people have confidence in paper as a store of value, the price of gold will continue to rise.”

— Jerome F. Smith

“Those entrapped by the herd instinct are drowned in the deluges of history. But there are always the few who observe, reason, and take precautions, and thus escape the flood. For these few gold has been the asset of last resort.”

— Antony C. Sutton

“There are about three hundred economists in the world who are against gold, and they think that gold is a barbarous relic – and they might be right. Unfortunately, there are three billion inhabitants of the world who believe in gold.”

— Janos Fekete

“Water is best, but gold shines like fire blazing in the night, supreme of lordly wealth.”

— Pindar

“There can be no doubt that the international gold standard, as it evolved in the 19th century, provided the growing industrial world with the most efficient system of adjustment for balance of payments which it was ever to have, either by accident or by conscious planning.”

— M. Scammell

“When gold argues the cause, eloquence is impotent.”

— Publilius Syrus

Gold can a path through hosts of warders clear. And walls of stone more swiftly can displace than ever lightening could.”

— Horace

“Gold is proved by touch.”

— French Proverb

“Put forth thy hand, reach at the glorious gold.”

— William Shakespeare

“By common consent of the nations, gold and silver are the only true measure of value. They are the necessary regulators of trade. I have myself no more doubt that these metals were prepared by the Almighty for this very purpose, than I have that iron and coal were prepared for the purposes in which they are being used.”

— Hugh McCulloch

“Although gold and silver are not by nature money, money is by nature gold and silver.”

— Karl Marx

“Like Liberty, gold never stays where it is undervalued.”

— J.S. Morrill

“Gold is not necessary. I have no interest in gold. We’ll build a solid state, without an ounce of gold behind it. Anyone who sells above the set prices, let him be marched off to a concentration. That’s the bastion of money.”

— Adolf Hitler

“The modern mind dislikes gold because it blurts out unpleasant truths.”

— Joseph Schumpeter

“The tongue hath no force when gold speaketh.”

— Guazzo

“As good as gold.”

— Charles Dickens

“You have to choose [as a voter] between trusting to the natural stability of gold and the natural stability and intelligence of the members of the government. And with due respect to these gentlemen, I advise you, as long as the capitalist system lasts, to vote for gold.”

— George Bernard Shaw

“It is extraordinary how many emotional storms one may weather in safety if one is ballasted with ever so little gold.”

— William McFee

“Though wisdom cannot be gotten for gold, still less can it be gotten without it.”

— Samuel Butler

“Chains of gold are stronger than chains of iron.”

— Thomas Fuller

“Man prates, but gold speaks.”

— Torriano

“Gold opens all locks, no lock will hold against the power of gold.”

— George Herbert

“Foul cankering rust the hidden treasure frets, but gold that’s put to use more gold begets.”

— William Shakespeare

“Gold were as good as twenty orators.”

— William Shakespeare

“Gold is a deep-persuading orator.”

— Richard Barnfield

“Gold is worshipped in all climates, without a single temple, and by all classes, without a single hypocrite.”

— Caleb C. Colton

“Gold is a treasure, and he who possesses it does all he wishes to in this world, and succeeds in helping souls into paradise.”

— Christopher Columbus

“Gold is the soul of all civil life, that can resolve all things into itself, and turn itself into all things.”

— Samuel Butler

“Gold gives an appearance of beauty even to ugliness.”

— Nicholas Boileau


“But divide your investments among many places, for you do not know what risks might lie ahead.”

Ecclesiastes 11:2 NLT


Joseph P. Tufo
Certified Cash Flow Consultant, Certified Capital Specialist, Certified Trainer MedXPrime
925-352-6000 Cell 800-669-2700 (USA Only) Learn about MedXPrime/Financial Halo programs and service. Consider enrolling as a new Associate. PFP: Commercial Loans, Business Funding, REEP Agent Opportunity: R&D Tax Credits, Expense Reduction Our Average Client Receives $240,000 in Tax Benefits! Dr Helo The BEST wearable technology for health
Skype: jptufo
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These are the 12 rules I live by

These are the 12 rules I live by. (By the way, I believe that EVERYONE has some personal philosophies or rules, and we'd love to hear yours in the comments section below.)

  1. I go to bed and get up at the same time 7 days per week (10pm and 5am.) I do not deviate from this schedule unless it is due to an important (and this word is not used lightly) work or social function. I stick to a diet of whole, natural foods, drink two to three quarts of distilled water each day and avoid alcohol.
  2. I write for at least 60 minutes first thing every morning.
  3. I do a quiet time with the Lord and Bible study for 30 to 45 minutes every morning.
  4. I do not check email before 9am.
  5. I do not talk on the phone unless it is a scheduled interview or conference call.
  6. I create a to-do list at the end of every workday and I follow that to-do list starting first thing the next morning. I also perform my daily readings at the end of every workday, and I write in a gratitude journal.I am thankful everyday for identifying my mission and what I wanted to do with my life at such a young age.
  7. I do not engage in confrontations with anyone, in-person or online. This is a waste of time and energy. If I have caused harm, I apologize and fix the situation.However, if someone simply doesn’t like something I have done or something that I do or disagrees with me, that is fine, but I’m not going to get into an argument about it.For any confrontation-like situation, I simply take a deep breath, relax, breathe out, and re-focus my efforts back on my work and goals.
  8. I am guided by these two phrases:
    a) Nothing matters.” By this, I mean that arguing on the internet changes nothing…I can only work towards the major, massive goals that I have set for my life…that I have a vision of helping others, and there is no time to let petty arguments stand in the way. b)It will all be over soon.” This serves me in both good times and in bad.In hard times, such as bad days, troubled times, or intense physical effort or discomfort, I know that it will all be over soon. A small amount of suffering now will be forgotten later when I will enjoy the rewards of my work.And in good times, I will remember that life is short, and I must make things count now, and no matter how good things are going I must never let myself become soft and lazy, because I have too much to accomplish in such a short time.


  9. Everything that happens to me, good and bad, is my personal responsibility. I blame no one but myself. These are the choices I’ve made, this is the life I’m living. I will accept the consequences of my actions.
  10. I will not stop until I have helped 1 Million men and women transform their lives physically, financially,spiritually, or emotionally.
  11. I will not be the person I don’t want to be. I will not be petty, jealous, or envious, or give in to any other of those lazy emotions.I will not gossip or speak badly of others, no matter who I am with or what environment I am in. I will not be negative when it is easier to be positive. I will not hurt others when it is possible to help.I will know the temptations, situations, and environments in life that I must avoid, and I will, in fact, avoid them, even if it means losing relationships with others who “live” in those environments. It’s my life and that matters more than what other people think of me.
  12. “I will always keep the child within me alive.” Frank McKinney. I will laugh everyday. That’s not hard when you have the friends and family that I have. And if they don’t make me laugh, there’s plenty of terrific movies on Netflix charter subscriber 12/99).

I’ve long since giving up caring about how others choose to judge me. What matters more than other’s opinions is the number of people that I can help by sharing advice and encouragement in my writing and products and services.

The most powerful songs are written by songwriters who bare their souls. So screw it, let’s do it. Let’s put it all out there.

I’m not going to help as many people as I could if I keep the “real info” to myself. I also understand now, better than ever, that sometimes you have to “write to repel” in order to strongly attract the readers you desire.

So that’s it. These 12 rules allow me to live my life with less guilt, more energy, and more productivity than if I did not have these personal philosophies outlined.

Now I know there will be two types of reactions to this content. First, some will dismiss it and dismiss me.

But to those people, remember the point of the list is not for you to sit there and think, “Oh, what a total weirdo. I never want to hang around with this guy.”

Instead, the point of the list, the idea, the article is to simply stimulate your thinking.

And that’s the 2nd type of reaction you can have to this article.

This is the reaction of the people who I’m interested in, the people who will realize what’s holding them back is not a lack of knowledge (because the knowledge is out there and freely available), but instead, it is decision making.

Listen, I know that every week you make decisions that leave you full of guilt and remorse, but on the other hand you also make decisions that you know are correct, even though they are difficult to make.

Wouldn’t you be better off if you made MORE correct decisions with less effort?

Of course, and that is where you rules to live by, your personal philosophies, come into play.

With this post, I’ve given you a model so that you can create your own personal philosophies that will allow you to make the correct decision and fewer decisions that leave you with remorse.

As a result of making more correct decisions, you’ll move closer to your goals and suffer less frustration. Life will be simpler once you start adhering to your own personal philosophies, and not worrying about what others think.

Again, I'd love to hear your personal philosophies as a comment on this page or by writing me at

With honesty and feeling,

Joseph P. Tufo
Certified Cash Flow Consultant, Certified Capital Specialist, Certified Trainer MedXPrime
925-352-6000 Cell 800-669-2700 (USA Only) Learn about our MedXPrime programs and services Learn about MedXPrime/FH and enroll as a new Associate PFP: Commercial Loans, Business Funding, REEP Agent Opportunity: R&D Tax Credits, Expense Reduction Our Average Client Receives $240,000 in Tax Benefits!
Skype: jptufo
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MedXPrime, Commercial Loans, Business Funding, Cost Segregation, R&D Tax Credit, Property Tax Mitigation, Accounts Receivable Recovery, PGX Testing, Bio-Shield and More...
Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation
Trust, Integrity and Service Here Today Here Tomorrow
You may schedule a visit and meet me in person in the beautiful San Francisco Bay Area

“The surest way to accomplish your business goals is making service to others your primary goal. The key to success is adding value to other’s lives.” Kekich Credo #87

Why Invest?

Why Invest?

God is the perfect partner in any investment program. It is He who supplies all the seed to be planted. We plant it; He multiplies it. So, any investment program ought to be based around multiplying assets that God supplies and returning the bulk of the crop, as pointed out in the parable of the stewards in Luke 19:12-24. The seeds that we retain then bring in a greater harvest the next time. As we show our faithfulness, He will give us even more. Our responsibility is to return it to His work.

Reasons for investing

God's number one prerequisite for investing is always centered on our attitudes. Money can be used for the comfort and convenience of our families. It can be used to provide the needs of others. It can be used to spread the Gospel. Or it can be used for destructive purposes. Money, if misused, as in the case of the rich young ruler recorded in Matthew 19:16-30, can be an object of devotion and idolatry. Love of money has separated families and shattered friendships. Countless marriages have split up over the love of, or the misuse of money. Christians, therefore, must assess why they want to invest and how the surplus from the investments will be used, in the light of God's principles. God is not against prosperity, but He hates evil attitudes that often accompany prosperity. These attitudes include greed, covetousness, and pride. So, since ultimately attitude will determine how an investment surplus is used, it is vital to discover what attitudes God wants us to have.

In addition, there are scripturally sound reasons for investing, and there are unscriptural reasons for investing. If you are investing for the wrong reasons it's like having your ladder leaning against the wrong building. No matter how high you climb, you still end up on the wrong building.

So, first we will evaluate why people invest and accumulate money, and then we'll look at the scripturally sound and unsound reasons for investing.

Why do people invest?

  1. Others advise it. Many people invest simply because someone else advised them to. They don't have any clear personal plans or goals with regard to their investments. According to God's Word, we are to seek good counsel, but we must weigh all counsel received against His Word. Listen, but seek God's direction before taking action.
  2. Envy of others. Many people want to invest and accumulate wealth simply because they envy other people and their successes.
  3. It is a game to them. Many people invest because they consider it to be a competitive game. As such, they often get so wrapped up in the contest that they sacrifice family, friends, or health in order to win the game. They have no particular attachment to the money; it's winning that's important to them.
  4. Self-esteem and ego. Many want to accumulate wealth so that others will envy them. Those who are victims of this motive use their money in an attempt to buy esteem and bolster their pride and ego. “A man's pride will bring him low, but a humble spirit will obtain honor” (Proverbs 29:23).
  5. The love of money. Those who love money will not part with it for any reason. Their lives are characterized by hoarding and abasement. This is a type of idol worship, which separates us from God. First Timothy 6:10, Hebrews 13:5, and Luke 9:25 caution against the love of money.
  6. Protection. Many people accumulate money for protection. This attitude places money as the object of trust and security rather than God.
  7. Slothfulness. Often people don't plan well during the earlier years of their lives and, consequently, when faced with expenses in their middle or later years, they panic and try to generate in five years what they should have saved over the previous 20 years. A regular habit of spending less than you make and saving the difference is the proper investment plan.
  8. A spiritual gift. There is only one reason why God would supply a surplus of wealth to a Christian: so the needs of others can be met. If Christians want God to entrust greater riches to them, they must be found faithful in the smaller amount first (Luke 16:10-11). God promises His blessings to all who freely give and promises His curse on those who hoard, steal, covet, or idolize.

What are the scripturally sound and unsound reasons for investing? There are three scripturally sound reasons for investing.

  1. Multiply to give more. The parable of the talents recorded in Luke 19:12-26 tells us that God entrusts wealth to some of His stewards so that it will be available to Him at a later date. The management of the wealth requires that it be invested or multiplied.
  2. Meet future family needs. The indication throughout God's Word is that the heads of families should provide for their own (1 Timothy 5:8). Good planning requires laying aside some of the surplus for future needs.
  3. Further the Gospel and fund special needs. This type of giving is necessary to maintain and promote the Gospel. If the church is ever to break out of the borrowing habit, Christians who invest must maintain some surpluses and be willing to give to legitimate needs.

There are four unsound reasons for investing.

  1. Greed. Greed is the desire continually to have more and demand only the best (1 Timothy 6:9).
  2. Envy. Envy is the desire to achieve based on other people's successes (Psalm 73:3).
  3. Pride. Pride is the desire to be elevated because of material achievements (1 Timothy 6:17).
  4. Ignorance. Ignorance is following the counsel of other misguided people because of lack of discernment (Proverbs 14:7).

Once a Christian has accepted the purpose of investing—to serve God better—the crucial decision is how much to invest. This decision must be made after much prayer. In addition, a plan for the use and the distribution of the potential surplus must be made before the money becomes available. Set goals and pray about each goal before attempting to do any investing. If motives are anything but biblical, it would be better to give the money away rather than to risk losing something far more important than money—a relationship with the Lord.


Being rich or being poor is a matter of providence in God's will, and He will give us only what we are capable of handling. The Christian's responsibility is awesome and sobering. God, in His eternal plan, has decided to use us to supply and to fund His work. One day we must all stand before God and give an account of what we have done with His resources. Why does God provide an accumulation of wealth from investing? So His people can exercise giving in order to meet the needs of those who cannot provide for themselves.


Sincerely and with gratitude,
Joseph P. Tufo
Certified Cash Flow Consultant, Certified Capital Specialist, Certified Trainer MedXPrime
925-352-6000 Cell 800-669-2700 (USA Only) Learn about our MedXPrime programs and services Learn about MedXPrime/FH and enroll as a new Associate PFP: Commercial Loans, Business Funding, REEP Agent Opportunity: R&D Tax Credits, Expense Reduction Our Average Client Receives $240,000 in Tax Benefits!
Skype: jptufo
MedXPrime, Commercial Loans, Business Funding, Cost Segregation, R&D Tax Credit, Property Tax Mitigation, Accounts Receivable Recovery, PGX Testing, and More...
Providing Honest Answers in a Timely Manner No Matter How Difficult the Situation
Trust, Integrity and Service Here Today Here Tomorrow
You may schedule a visit and meet me in person in the beautiful San Francisco Bay Area
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