PAM Shares - HIGHLY RECOMMENDED!!!!! EXCELLENT FINANCIAL INFORMATION FOR EVERYONE!

I don't know why a bunch of broke people need to be studying up on generational wealth building and efficient taxation.  Seems like their time would be better spent looking for a job or taking classes in order to get a better one.

The Secret of the 50 Richest and Most Successful People in the World
https://www.youtube.com/watch?v=oCcLEAtcgic
 
 <<< HERES THE THING....ROBBINS IS KNOWN GENERALLY...AND ONLY...AS A SELF IMPROVEMENT PERSONAL MOTIVATOR...THIS BOOK/AUDIO IS A DISTINCT DEPARTURE FROM HIS TRADITIONAL PRESENTATION AND FOCUSES SPECIFICALLY ON CROSS GENERATIONAL WEALTH BUILDING AND EFFICIENT TAXATION AMONG A DOZEN OTHER RELATIVE AND PROFOUND INSIGHTS AND DIRECTIONS FOR ALL AGES AND INCOMES IN AN EASY TO UNDERSTAND AND ENGAGING WAY

 TONY ROBBINS FREE AUDIO BOOK...DISCUSSES INVESTMENT SAVINGS, SAFE MARKET INVESTING, WEALTH MANAGERS AND REGISTERED AGENTS, INDEX INVESTING, FIDUCIARIES, INVESTMENT FEES. RETIREMENT PLANNING STRATEGIES, EFFICIENT TAXATION, ASSET ALLOCATION, DIVERSITY AND MORE. APPLIES TO TEENAGERS, WAITERS AND BILLIONAIRES.

 TAKE NOTES
SOMETHING EVERYONE SHOULD WATCH AND SHARE..IMO.

 THIS IS SOME OF THE MOST IMPORTANT MATERIAL IVE EVER FOUND AND I'M GUNNA HAMMER IT UNTIL EVERYONE ON THIS BOARD LISTENS TO IT   https://www.youtube.com/watch?v=R1fSCffFMgw   THIS LINK IS THE EXTENDED 10 HOUR VERSION ....PRICELESS
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This is the PDF that accompany the youtube audio book  Money - Master the Game
 http://download.audible.com/product_related_docs/BK_SANS_006899.pdf

edit: robbins suggests that anyone interested use an available app or online calculator to project and compare plans and strategies...me personally..i didnt use any of those at this time because i dont need them right now. i would advise caution as we always do when entering or offering any accurate personal or financial information online or to anybody without full knowledge and understand of what those consequences may or may not be 
 
AND AMAZON CARRIES IT ALL WITH A FREE OFFER http://www.amazon.com/gp/product/B00OPAJZGG/&tag=soutra07-20 
I WAS TOLD ITS A 20 HOUR PROGRAM IN ITS ENTIRETY...I DONT KNOW

HERE IS A CLICKABLE LINK THAT WILL AUTOMATICALLY CONVERT THE ROBBINS AUDIO BOOK INTO A DOWNLOADABLE MP3 FILE TO YOUR COMPUTER.  ITS FREE AND NO REGISTRATION REQUIRED http://www.theyoump3.com/download.php?url=https://www.youtube.com/watc%E2%80%8Bh?v=R1fSCffFMgw
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The Fiduciary Standard -- What is that?

When it comes to financial reform, individuals should pay the most attention to the regulations surrounding the fiduciary standard. It sounds complicated, but it essentially refers to the guidelines that spell out the obligations financial services professionals have to their clients.

Currently, there are two standards that advisers and financial planners are held to -- the suitability standard and the fiduciary standard. The suitability standard gives advisers the most wiggle room: It simply requires that investments must fit clients' investing objectives, time horizon and experience.

"You can satisfy the suitability standard by recommending the least suitable of the suitable options, as long as it falls within the general suitability test," says Barbara Roper, director of investor protection for the Consumer Federation of America.

The suitability standard invites conflicts of interest pertaining to compensation, which can vary greatly from one product to another.

"And you don't have to disclose your conflicts of interest. You don't have to appropriately manage your conflicts of interest or minimize your conflicts of interest. So what that means is often the products that are best for the broker have higher costs for the investor," Roper says.

The other standard of care, the fiduciary standard, basically charges advisers with putting their clients' best interest ahead of their own. For instance, faced with two identical products but with different fees, an adviser under the fiduciary standard would be compelled to recommend the one with the least cost to the client, even if it meant fewer dollars in the company's coffers -- and his or her own pocket.

Unfortunately, many investors can't distinguish among financial planners and advisers. Studies have shown that individual investors don't know who is a fiduciary or what a fiduciary actually is.

Read more: http://www.bankrate.com/finance/investing/fiduciary-standard-1.aspx

A fiduciary duty is a legal duty to act solely in another party's interests. Parties owing this duty are called fiduciaries. The individuals to whom they owe a duty are called principals. Fiduciaries may not profit from their relationship with their principals unless they have the principals' express informed consent. They also have a duty to avoid any conflicts of interest between themselves and their principals or between their principals and the fiduciaries' other clients. A fiduciary duty is the strictest duty of care recognized by the US legal system. https://www.law.cornell.edu/wex/fiduciary_duty
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Choosing A Financial Advisor: Suitability Vs. Fiduciary Standards
The Fiduciary Standard
Investment advisors are bound to a fiduciary standard that was established as part of the Investment Advisors Act of 1940. They can be regulated by the SEC or state securities regulators, both of which hold advisors to a fiduciary standard that requires them to put their client's interests above their own. The act is pretty specific in defining what a fiduciary means, and it stipulates that an advisor must place his or her interests below that of the client. It consists of a duty of loyalty and care, and simply means that the advisor must act in the best interest of his or her client.

 Read more: http://www.investopedia.com/articles/professionaleducation/11/suitability-fiduciary-standards.asp#ixzz3WFzgd1w8

 THE APPLICATION OF THE FIDUCIARY STANDARD WHEN APPLIED TO A TRUST AS OPPOSED TO A CHARITABLE FOUNDATION. VERY SIMPLISTIC DESCRIPTION BUT EFFECTIVE
https://www.youtube.com/watch?v=X614NQ3XzRg
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GOOGLE CAN BE YOUR FRIEND AND I ENCOURAGE EVERYONE TO CONTINUE FURTHER STUDY ON THIS SUBJECT

VIDEO LINKS TOO 
 https://www.google.com/search?q=FIDUCIARY&oq=FIDUCIARY&aqs=chrome..69i57.166562545j0j0&sourceid=chrome&es_sm=93&ie=UTF-8#q=FIDUCIARY&tbm=vid