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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)

https://db202.isrefer.com/go/pfp/a1488/ 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...
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
Available 8am to 6pm Pacific Any Day But Sunday And Holidays

#Money Available, #Next Generation Funding, #Funding, # Franchise Funding, #Medical Financing, #Hotel, #Motel, #Resort, #100% Funding, #Commercial Loans, #Commercial Investments, #Business Consulting, #Business Funding, #Commercial Real Estate, #Debt/Equity Funding, #SBLC, #BG, #SWIFT, #Proof of Funds, # Gold, #Silver, #Precious Metals, #Hard Assets, #Complex Trusts, #Foundations, #Private Banking, #Hard Money, #Private Money, #Strategic Alliances, #Specialized Tax Incentives, #Expense Reduction, # WOTC Tax Credit, #LinkedInProfile #LinkedInSummary #LinkedInTips #LeadGeneration #Sales #Marketing #BusinessDevelopment #LinkedInMarketing #LinkedInBook #LinkedInTraining #LinkedInExpert

Hidden Traps to Success

Hidden Traps to Success
The naive believes everything: but a wise man looks well to a matter. – Proverbs 14:15
Solomon reveals that a similar kind of trap in your personal or professional life can have
an equally devastating effect. What is the name of that hidden trap? Naiveté. And it can
ambush anyone, regardless of their intelligence, education, financial success, or personal
achievements.
Naiveté and IQ
Naiveté has less to do with intelligence and more to do with the way a person approaches
individual situations and life in general. A naive person tends to oversimplify a situation
and thereby fails to see critical factors that may significantly affect an outcome.
Solomon describes a person as naive when he or she doesn’t “look well into a matter”
before choosing a course of action.
Oversimplification – In Proverbs 1:22, Solomon chides, “How long, O naive ones, will
you love simplicity?” Important decisions are never simple. Dig deeper.
Presumption In Proverbs 27:1, Solomon warns, “Do not boast about tomorrow for you
do not know what a day may bring forth.”
Misplaced Trust – We often put more trust than we should in people whom we don’t
know well. More often than not, people are less capable, less experienced, less competent,
and less honest than they seem to be. People always put their best foot forward, and we
usually make judgments of them in a matter of minutes or seconds.
Superficial Appearances – Our response to a person or a situation is often based entirely
upon appearances. A person may be charismatic or extremely personable, or a business
opportunity may appear extraordinary at first glance. But appearances almost never tell
enough of the story to base any important decision upon.
Laziness – Our natural inclination is to do as little as possible to get what we want. The
same is true in the decision-making process. “Looking well into a matter” requires a lot
more effort and creativity than simply accepting a statement or person at face value.
Haste – When we are in a hurry to make a decision, we will usually make it without
taking enough time to look into the matter thoroughly. In Proverbs 21:5, Solomon warns,
“But everyone who is hasty comes surely to poverty.”
Narrow Vision – More often than not, our vision is far too limited to make the best
decision based only on our own knowledge and experience. Solomon cautions in
Proverbs 15:22, “Without counsel plans are frustrated, but with many counselors they
succeed.”
Integrity – Honest people never think of lying, stealing, or defrauding someone of their
life savings. Such thoughts are so foreign to their character they can’t imagine anyone
else doing such things to them.
Greed – Wrong motives for making a decision can lead you to detrimental circumstances.
Arrogance – Arrogant people often think they’re smarter than everyone else. They don’t
feel they need to seek outside counsel or perform due diligence—they already know what
they need to know. Solomon said, “Pride goes before destruction, and an arrogant spirit
before a fall.” (Proverbs 16:18)
Wrong Priorities – Sometimes a person chooses not to look in depth into a matter before
making an important decision, because they don’t think due diligence is that important.
The Solution
Diligence is like a giant floodlight: turn it on, and naiveté’s darkness disappears.
Look well into a matter before making any important decision. If a person is truly honest,
they will respect your thoroughness and welcome any due-diligence efforts you
undertake.
Don’t Be Naive When It Comes to Making Wrong Choices
In Proverbs 22:3, Solomon warns us, “The prudent sees the evil and hides himself, But
the naive go on, and are punished for it.”
Most people rarely find themselves in unethical or illegal situations by surprise. Usually,
they see a red or yellow flag or two first. At that point, they have a choice. Solomon tells
us that a wise man will turn away. Those who are naive, however, see the red flag, feel a
twinge in their conscience, and then choose to keep moving in the same direction.
“There Is a Way That Seems Right . . .”
In Proverbs 14:12, he says, “There is a way that seems right to a man, but in the end it
leads to death.” Diligently looking into a matter will ensure that doesn’t happen.
How to Make Wise Choices
Choose to Look Well into Matters.
Seek Outside Counsel – Over and over again in Proverbs, Solomon cautions us to seek
outside counsel. His advice is clear, his wisdom undeniable. Follow it.
Choose Your Friends and Associates Wisely – In Proverbs 13:20, Solomon writes, “He
that walks with wise men shall become wise. But a companion of fools shall be
destroyed.”
But you should be careful about whom you partner with or attach yourself to in any
significant way. Look at a person’s wisdom and integrity. Be sensitive to any red flags
that would warn you of dishonesty. Look at what their priorities are and how they order
their lives. How do they treat their parents, spouse, siblings, or children? What do they
value most? Don’t let yourself become the companion of fools.
Being Prudent Is a Choice You Must Make Every Day
Being prudent is a decision that needs to be made every time you face an important
decision in any area of your life. Whether you are facing a business decision, a financial
decision, or a personal decision, choose first to “look well into the matter.”
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)

https://db202.isrefer.com/go/pfp/a1488/ PFP, Community Opportunities, REEP


Skype: jptufo
Commercial Loans, Business Funding, WOTC, Cost Segregation, R&D Tax Credit, Property Tax Mitigation, 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
Available 8am to 6pm Pacific Any Day But Sunday And Holidays

# Commercial Loans, #Business Loans, #Residential Loans, #Auto Loans, #RV Loans, #Truck Loans, #Apartment Loans, # Construction to Permanent Loans, #REEP, #Savings Accounts, #IRA's, #Roth IRA's, #Defined Benefit Plans, #Defined Contribution Plans, #Keogh Plans, #403-b Plans, #Commercial Investments, #Next Generation Funding, # Crowdfunding, #Subscriber Based Plans, #Co-Op, #Franchise Funding, #Medical Financing, #Project Funding, #Worldwide Loans, #Business Consulting, #Film Funding,

#Direct Marketing, #Network Marketing, #Multiple Streams of Income, #Work From Home, #Be Your Own Boss, #Medical Opportunities, #Get Out of Debt, #IRS, #Financial Freedom, #Biggest Online Business Opportunities, #Make Millions Online, #Online 24/7 Network Marketing, #Real Jobs, #Real Opportunity, #Don't Wish For It, Work For It!, #Duplication, #Financial Halo, #MedXPrime, #Forensic Accounting, #Uncollectible Insurance Accounts Receivable, #Annual Wellness Visit, #Pharmacogenomic Testing, #PGX, #DNA, #Adverse Drug Reactions, #Toxicology, #Mentor, #Sales

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#Specialized Tax Incentives, #Expense Reduction, # WOTC Tax Credit

#LinkedInProfile #LinkedInSummary #LinkedInTips #LeadGeneration #Sales #Marketing #BusinessDevelopment #LinkedInMarketing #LinkedInBook #LinkedInTraining #LinkedInExpert

 

Testimonial Kurt Henry

My Name is Kurt Henry and I'm a financial and Commodities Broker, I've Known Joe Tufo since the Fall of 2007, he came highly recommended to me from a couple of my business partners at the time. Joe has been a Consultant, Mentor, and a good friend ever since, I've recommend CashFlow Specialist to over 200 people within the last 3 years and I always pass on Joe's Monthly Newsletters to several business associates of mind.
I think very highly of Joe Tufo and Cashflow Specialists, I've seen several companies similiar to Tufo's company around the country but none of them has the integrity and success rate as CashFlow Specialists.

Regards,
Kurt Henry
Guybux Enterprise Inc.

4/6/10