Welcome to the Blog of Joshua Hernandez Albo

My Newsletter

2010-10-17T18:54:00.000-07:00

Through the course of my day to day networking I end up meeting very talented people. They often want to know how I help protect retirement accounts and eventually we schedule some time to meet and show them how "Active Money Management" can save someone financial future.

Until we can meet again (or throughout the course of the year) I stay connected to professionals I meet through my newsletter. Below is a short "Introduction Video" about the content it contains. Check it out and let me know if you're open to receiving them.

I'm not a fan of spam or unwanted emails so if it's not of interest I won't send them.

But if you believe this content could be valuable Click here..

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About My Newsletter

Economic Updates:
As a seasoned financial consultant, I'm connected with several resources that provide real time, up-to-date information, related to the economy, personal finance and wealth. -I send this newsletter out twice a month. -

Occasionally, I sponsor financial events showcasing well known financial professionals.

Newsletter Nuggets:
I'm an avid book reader, networker, public speaker, amateur salsa dancer and a fan of self improvement. I often find great stories of inspiration and articles -I send this newsletter out once a quarter. -

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If you're interested in one more than the other, just let me know.

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Privacy:
Rest assured your information will remain private and will not be sold to a 3rd party marketing company. I value our relationship more than this Newsletter.

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Be sure to write "Newsletter" in the subject.

About "Attitude" by John Maxwell

2010-08-12T18:43:00.000-07:00

This note resonated with me. I think it's worth taking a minute to read.

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By John C. Maxwell August 9, 2010
It's easy to have a great attitude when things are going our way; everybody can do that. It's when difficult challenges rise before us, and the attitude within us rises to overcome those problems, that attitude becomes the difference-maker. Unfortunately, it's more common for our attitude to fall short of rising to life's challenges. I have come to the conclusion there are five reasons our attitudes fall short of what they should be: discouragement, problems, change, fear and failure.

Discouragement
Everyone gets discouraged. Sydney Harris said, "When I hear somebody sigh, 'Life's hard,' I am always tempted to ask, 'Compared to what?' "
Not everyone responds to discouragement in the same way. In regard to discouragement, there are two kinds of people in the world: splatters and bouncers. Splatters hit rock bottom, fall apart and stick to the bottom like glue. Bouncers hit rock bottom, pull themselves back together and bounce back up. The question is: Are you going to give up or get up? It's a choice.
Here are a few suggestions that will help you bounce when you experience discouragement.

Get the right perspective. You don't have to look very far to see that you have it pretty good.

See the right people. In Winning with People, I talk about the Elevator Principle. There are some people who lift you up and some people that bring you down. When you are discouraged, you need to go find yourself a lifter!

Say the right words. In his excellent work, Spiritual Depression: Its Cause and Cure, Dr. Lloyd Martyn Jones wrote, "Have you realized that most of your unhappiness in life is due to the fact that you are listening to yourself rather than talking to yourself?" Remarkable? Think about it. You wake up in the morning, and right away, there are streams of thought coming into your mind. You haven't invited them; you didn't ask for them; you are not consciously doing anything to produce them; they just come. Instead of compliantly listening to them, start telling yourself the positive, difference-making words you need to hear.

ProblemsI love what Malcolm Forbes said about problems: "If you have a job without aggravation, you don't have a job." Like discouragement, everyone experiences problems, but there are some basic principles for handling problems well.

Define what a problem is. Fred Smith taught me many years ago that a problem is something I can do something about. If I cannot do something about a situation, it is a fact of life, not a problem.

Anticipate problems. A problem anticipated is an opportunity. But a problem not anticipated is a problem.

Embrace each problem as a potential opportunity. I've always loved this expression: Problems are wake-up calls for creativity. The great Norman Vincent Peale said, "Positive thinking is how you think about a problem. Enthusiasm is how you feel about a problem. The two together determine what you do about a problem."

Change
Change is a challenge we cannot avoid. Change has been with us since the beginning. Someone said that as Adam led Eve out of the Garden of Eden, he said, "My dear, we live in a time of transition." Realize change is part of life. Decide what you are unwilling to change. For me, that includes my faith and family. Once that decision is settled, be open to and realistic about change.

Here's how I look at change:
Challenges-Change is not easy.
Humor-It helps if I laugh a lot.
Adjustments-It also helps if I am flexible.
Newness-Change gives me a fresh start.
Growth-Growth equals change.
Evaluation-Change forces me to look at my life.

Fear
There are some destructive effects of fear. For example, fear breeds fear; it has the ability to exaggerate itself. Fear causes inactivity. And, by distracting us, fear causes us to take our eyes off the goal. There are three steps to fixing your fears.

Step 1: Discover the foundation of fear. Our fears are not usually based on fact; they are based on feeling. A study by the University of Michigan revealed:

60 percent of our fears are totally unwarranted, meaning the things we fear never come to pass.20 percent of our fears are based in the past, which means they are out of our control.10 percent of our fears are so petty that they can make no difference at all.

Of the other 10 percent, only 4 to 5 percent are real and justifiable fears. Mark Twain said it this way: "I have been through some terrible things in my life, some of which actually happened."

Step 2: Accept fear as the price of progress. Dr. Susan Jeffers said, "As long as I continued to push out into the world, as long as I continued to stretch my capabilities, as long as I continued to take risks in making my dreams come true,
I was going to experience fear."

Step 3: Develop a burning desire within you. The famous fight manager Cus D'Amato said, "The hero and the coward both feel exactly the same fear, only the hero confronts his fear and converts it into fire."

Failure
Charles Parnell said, "Too many people are having what might be called 'near-life experiences.' They go through life bunting, so afraid of failure that they never try to win the big prizes, never knowing the thrill of hitting a home run or even taking a swing at one." Don't let the fear of failure stop you.

And, don't be stopped by failure. People who are stopped by failure see it from a personal perspective. People who are not stopped by failure see it from a process perspective.

As Steve Davis said, "It may not be your fault for being down, but it is your fault for not getting up."

Learn how to overcome the "Big 5," and your attitude will be the difference-maker.

Why bad things happen to good people

2010-04-26T21:31:00.000-07:00

I've often heard the the question "Why do bad things happen to good people" and couldn't help think of that while reading these next few thoughts......

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No one starts out their day choosing to be vague, antagonistic, careless or scattered. However, vague naturally shows up when you are not being Explicit.

Negatives like unfocused, reactive and preoccupied just naturally shows up when you are not being Explicit. No one really plans to fail or wants bad things to happen to them. Negatives like unfocused, reactive and preoccupied are just naturally there in the absence of you making the conscious choice -- and then taking the requisite actions -- to stay focused, well-planned or attentive.

Yes, negatives are already there -- You don't have to put them there!

You certainly don't wake up with the intention of being Unfocused, Noncommittal, Chaotic, Procrastinating, Over-analytical and Efforts-based. Instead, you most probably aspire to be Focused, Dedicated, Competent, Action-oriented, Proactive and Results-oriented. Who wouldn't?

Yet, when you fail to employ the skills that produce these Positive qualities, failure creeps in a little bit at a time. In the absence of Positive characteristics, Negative traits automatically show up in their place. This concept is so important, it gives rise to The Fourth Principle of Intentional Excellence:

A negative characteristic shows up every time you fail to perform a positive action.

Sad, but true. When you don't perform the right actions, bad things automatically happen!

For example, when you are not Tenacious enough to complete your projects, over time, you will become Scattered and Undependable. When you're not Enthusiastic - not only do you fail to generate positive expectations - but Discouraged, Dejected, Doubtful, Gloomy and Pessimistic ultimately seep into your performance. When you are not Explicit about your goals, you can't help but be Indefinite about your plans and Unfocused about your priorities-- which then leads to your performance becoming largely Ineffective.

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Source: www.thinktq.com

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Why we should connect

2010-02-19T18:22:00.000-08:00

Click on the 'Full Screen' feature, next to "Vimeo", to see see it in High Definition

Video production credits go to Tom Gertsen at
www.reflectionsvideoproductions.com

Protect Your Retirement Account:

Concerned about the volatility of the stock market these days?

My advisory firm is dedicated to protecting and growing the wealth of individuals and corporations by using a service called "Active Tactical Money Management". Traditionally this service has only been available to the wealthy and now available to the mainstream through my advisory firm.

WorkForceDevelopment:

Have a team of people that would like to take their career to the next level?

My network includes a team of experienced work force management professionals that have been hired by government subsidiaries to provide workshops to the unemployed and new business owners. These workshops include topics like: Finding your next job, interview preparation, social media, anger management, business planning, marketing, selling & branding, financial literacy.

A Career In Financial Services:

Considering a different career? One that will pay you well and make a difference?

We're looking for quality individuals, of character in an industry that can positively impact peoples lives. Want to receive ownership in a growing firm? Great bonus packages. Vacation trips paid for. Services that actually work? Let's talk about a career in the financial industry .

My focus is career advancement and financial education. If we haven't done so already, I would honored to have a conversation and find how we might be able to help support each others endeavors.

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Click here to contact me

Be sure to include something in the "subject line" with your request.

What exactly do I do?

2010-02-16T23:35:00.000-08:00

Here's a short clip with an example

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Be sure to click on the 'Full Screen' feature, next to "Vimeo", to see see it in HD.

Video production credits go to Tom Gertsen at

www.reflectionsvideoproductions.com

I help my clients protect their retirement accounts using a service called "Active Tactical Money Management".

The reason why most individuals and corporations never get ahead, in there retirement accounts, is because they have been taught to "passively" manage their accounts. To simply buy and hold a mutual fund or stock, in hopes that it will increase in value and give you enough to retire with. Times, have changed, that strategy hasn't worked for over 20 years!

The wealthy have used "Active Tactical Services" to help protect their accounts from the volatility that has impacted the U.S. over the last decade and this service is now available to the mainstream professional, through my firm.

Were you impacted by the 2002 and 2008 down turns?

Consider how active your portfolio was managed....

>> Click here to receive my newsletter <<

To Investors that are concerned about making the right decisions

2010-01-12T18:59:00.000-08:00

Great Questions to Ask Your Advisor to Maximize Your Investment Goals

According to the SEC’s Office of Investor Education published statistics, over 50% of investors seek the advice of some type of advisor when making financial decisions.

If you have an advisor managing your money… how do you know you have the right advisor? It may never be more important than right now to take a closer look to make sure your money is getting the best advice.

The problem is that most investors really don’t know the right questions to ask their advisors.

• How do you know that your interests are being served well by your advisor?

• How do you know if the kind of investments your advisor recommends actually align with your goals?

The only way to know for sure is to ask the right questions. To help you get better information with any advisor to make your best decisions possible, we’ve compiled a list of the “Best Questions to AskYour Advisor”

1) What was the total performance of my account this year?

2) What is my current allocation to equities, fixed income and cash?

3) What was the performance of each individual position in my account, e.g., mutual funds, stocks, ETFs?

4) What was the cost of holding these positions, i.e., expense ratios?

5) What was my total cost paid on my investments for the year (including fees and commissions)?

6) What changes did you make in light of the profound changes in the economy and stock market?

7) What changes are you planning for my account next year?

8) What is our advisory or management fee arrangement?

9) What fees are you receiving from my investments, i.e., commissions and/or 12b-1 fees, etc.?

10) What are the ongoing costs of my investments in the future?

And what if you DON'T have an advisor?

Feel free to contact me with any questions or reach out to a trusted advisor of someone you know. You'll be surprised at how much free advice we'll give you.

Is your door open?

2009-11-27T23:46:00.000-08:00

(Came to me in a newsletter from a successful business man and life coach. I really connected with it, I think you will too. Feedback is welcome)

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A few months ago I saw an old friend with whom I grew up and had lunch with him.

It was a very memorable 95 degree fall day in Los Angeles.

If you are familiar with October weather in Los Angeles, you know that when the Santa Ana winds are blowing it causes intense heat which makes the fall feel like Indian Summer.

We spent a long time catching up with each other and talking.

We talked about life, career and relationships.

My conversation with him reminded me about a concept

I want to share which I call the "open door."

I believe we get to a point in our lives when we think we know everything.

The problem with this is that many people at this point

believe that they not only know and have experienced everything,

but they also believe that there is nothing new left
to experience and thus become closed.

They are no longer open to life.

They haven't done enough work on themselves to remain open.

I was telling my friend that I am right now the most open that I've ever been in my entire life, which seems to be the reverse of how most people's lives go.

Due to their life experiences - hurt, failed businesses, failed relationships,
love gone bad - they become more closed to life as time goes on and as they age.

As they get older, most people become less open to things.

This is, however, the exact opposite of how you should become in your life as you age.

You need to be the most open to life as you get older,

because you should be learning and embracing every

life lesson as you experience them.

Every single person you've met has been a life lesson for you.

You should not be thinking that certain people were brought into your life just to hurt you, but instead should think of them as people who were in your life to teach you something.

I told my friend that because I'm right now the most open that I've ever been, I am also right now open to whatever possibilities life might bring me.

I’m open to experiencing the most success In my life.

I'm open to experiencing the most incredible love.

I'm open to experiencing the most incredible connection with other people.

The only reason I am so open right now is because of everything

I've experienced in my past.

So I'm really the polar opposite of where most of the masses are at this same point in their lives, and going in the exact opposite direction emotionally that they are going.

The masses tend to go in the direction of feeling more and more wounded.

The masses tend to go in the direction of being less and less open.

Going in these directions, though, are the biggest mistakes in the entire world.

Think about it......

The new person you met today did not hurt you.

The new person didn’t lie to you.

The new person didn’t stab you in the back.

That new person you've met has not cheated on you.

That new person you met did not betray your love for them.

That new person is in your life to explore new things with you based on everything you've learned in your past.

So I think all of you who are spending way too much time thinking about what's happened to you in your past are cheating yourselves.

You're not concentrating on the present, which is where life happens.

If you are not open to the amazing things that could come into your life, then you are just "ripping yourself off" from so much of what is out there waiting for you.

So I want to challenge all of you by asking you this question:

Are you living in the past?

Ask yourself whether you are allowing past failures, mistakes and pain to dictate the way you're currently conducting yourself in relationships,

OR whether you are 100% in tune with what is happening presently so you are

able to embrace whatever is happening to you at this moment.

Living and embracing the present are the ONLY way to live.

Being open to life right now is the only way I'm choosing to live.

I am so open for an amazing life, because I know I'd be cheating myself if I didn't allow myself to experience that.

Sincerely,

David W.