Wealth Transfer System from Wall Street to Main Street

by Marcus A Beasley
(Owings Mills, Maryland USA)

Our Wealth Transfer System was developed to help main street people around the world build and grow wealth in the 21st century. Our objective is to transfer wealth from the Wall Street System to Main Street.
Our system is comprised of six components:
1. Financial Literacy & Wellness (coaching available)
BENEFITS OF FINANCIAL LITERACY
In 2009 more than 92 million people living in U.S. gave themselves a grade of C, D, or F on their knowledge of personal finance, suggesting there is considerable room for improvement, according to the National Foundation for Credit Counseling, Inc. Just over 30% of adults reported that they have no savings.
Other studies have found that 57% of households in the U.S. don’t even have a budget. If these adults aren’t financially literate or have the time to learn the complexities of financial management.
How can we expect children to be prepared for a solid financial future?
As parents, we know it’s important to learn these fundamentals. One study by American Express found that 91% of parents surveyed say they are committed to instilling lessons of financial responsibility upon their children in 2010, with 62% giving their children a weekly allowance.
So, where is financial education failing today?
Some 64% of young adults believe financial fitness is more important than physical fitness, and the 51% believe that financial education in school, grades K-12, is more important than both physical education and sex education combined.

2. Health Literacy & Wellness (coaching available)
BENEFITS OF HEALTH LITERACY
Health literacy is defined as the degree to which individuals have the capacity to obtain, process and understand basic health information and services needed to make appropriate health decisions 1. Health literacy is important because it affects a individual’s ability to manage personal
bhealth: to navigate the healthcare system, share health history with healthcare providers, engage in self-care and manage chronic disease, and understand concepts such as probability and risk.
According to the National Assessment of Adult Literacy, over one-third of U.S. adults (36%) — 75 million people — have below basic or basic health literacy 2. An independent study by the Institute of Medicine reports similar findings: 90 million people in the U.S. have difficulty understanding and using health information 3. As a result of poor health literacy, patients often don’t understand instructions on prescription drug bottles and nutrition labels, have trouble acting on health-related news and announcements, and don’t know how to locate and access affordable healthcare for themselves and their children.

3.Debt Free & Budgeting Program (coaching available)
Step 1 Pay Attention
Step 2 Track Spending
Step 3 Live within your means
Step 4 Build Emergency fund
Step 5 Live on last month's income
Step 6 Become Debt Free
Step 7 Establish a 90 day fund
Step 8 Insure yourself
Step 9 payoff debt and give back

10 BENEFITS OF BUDGETING
1. Gives you control over your money – A budget is a way of being intentional about the way you spend and save your money.
2. Keeps you focused on your money goals – You avoid spending unnecessarily on items and services that do not contribute to attaining your financial goals.
3. Makes you aware what is going on with your money – With budgeting, you are clear on what money is coming in, how fast it goes out, and where it is going to.
4 Helps you organize your spending and savings – By dividing your money into categories of expenditures and savings, a budget makes you aware which category of expenditure takes which portion of your money. .
5. Makes you decide in advance how your money will work for you.
6. Enables you to save for expected and unexpected costs – Budgeting allows you to plan to set aside money for emergency costs.
7 Enables you to communicate with your significant others about money – If you share your money with your spouse, family, or anyone, a budget can communicate how you use money as a group.
8. Provides you with an early warning for potential problems – When you budget and take a “big picture” view, you will see potential money problems in advance, and be able to make adjustments before the problem appears.
9. Helps you determine if you can take debt and how much – Taking debt is not necessarily a bad thing if the debt is necessary or you can afford it.
10. Enables you to produce extra money – In budgeting, you get to identify and eliminate unnecessary spending like late fees, penalties and interests.


4. Credit Systems (monitor, restore and identity theft)
9 BENEFITS OF HAVING A GOOD CREDIT SCORE
1. Low interest rates on credit cards and loans.
The interest rate is one of the costs you pay for borrowing money and, often, the interest rate you get is directly tied to your credit score.
2. Better chance for credit card and loan approval.
With a shaky credit history, you’ll probably avoid making new credit card or loan applications because you fear you’ll be turned down.
3. More negotiating power.
With a good credit score, you can often negotiate a lower interest rate on your credit card or a new loan, just by referencing your good credit score.
4. Get approved for higher limits.
Your borrowing capacity is based on your income and your credit score.
5. Easier approval for rental houses and apartments.
More landlords are using credit scores to screen tenants.
6. Better car insurance rates.
Add auto insurers to the list of companies that use a bad credit score against you.
7. Get a cell phone on contract with no security deposit.
Another drawback of having a bad credit score is that cell phone service providers may not give you a contract.
8. Avoid security deposits on utilities.
These deposits are sometimes $100 to $200 and a huge inconvenience when you’re relocating.
Bragging rights.
9. Because of all the benefits, a good credit score is something to feel good about, especially if you've had to work hard to take your credit score from bad to good.

5. Precious Metals Accumulation Program
Purchase and accumulate gold, silver, palladium and platinum.
6. Independent Banking
Teaching main street how to implement the process of financing through permanent insurance. (we own a financial services brokerage)

We have developed a relationship marketing 5x7 matrix for business ownership. We have executive partners in Florida, Georgia, South Carolina, Virginia, Washington DC and Maryland.
We are in need of $50k and we will give 6% equity.b