Small Business In Survival Mode

Recessions, layoffs, inflation, can be scary and have real-world consequences. Plan and be preventive towards change. No more reacting become proactive. Economies impact weak companies that lack the fundamental strength to survive. A preventative plan is your safety net towards future calamity. How do you learn to survive tough times? Saving to invest is a great litmus test. Look for alternative ways to navigate your earnings with new approaches to business and a down market. The U.S. economy has fallen into recession four times since 1990. We study all these books and do not understand how history has repeated itself. I was taught to save for emergencies and once those emergencies came. So went my savings and nothing to show for it. This becomes a vicious cycle. Set up your iron-clad portfolio today

Iron-clad Your Business Now

Investment management companies are set up for those who have set aside funds and have large estates. They consult with advisors not to understand how to generate additional streams of wealth but how to grow their money in the markets long term when the economy is bad. The S&P and NASDAQ:) will make you smile if you have a plan to raise your dividends in all four seasons, winter, summer, spring and fall. There is a secret behind the methodology to invest in these methods now. What we do is consult you on growing, protecting your money and offer proven products and services that work. Our annual fee schedule allows to see the impact of going from being in debt but now managing good debt. 

Building a Business based on the Seasons
This is the core pathway of building a wealth system in the modern world that is based on financial markets, but most of our excuses are, money, time, desire, or education and who will manage this for me. Iron-Clad is not just a service that consult with you on various methods/products, such as cd's, precious metals, and assets. We offer consulting services to clients and prepare you for retirement plans for all budgets. We have high net worth clients but this is our way of giving back. Iron-Clad primarily generates revenue by only charging a small yearly percentage on the client assets, dicretionary income it manages. We prepare you for wealth management.

XCAPITAL28 success is our clients success. This gives the client the opportunity of not overly committing and building a portfolio. The U.S. stock market continues to increase over the long term. The US economy fluctuates and we navigate you no matter what the economy is doing. You can grow and use that as time to buy, hold and sell. However, the number one question that is asked is whether this is susceptible to market crashes because prices decline, and scared clients might pull their funds out of the markets. Remember we use the market and everyone is impacted by market crashes differenlty. The funds stay in your account and we consult you on what,when and where to position yourself. You only wear one hat and we wear the other ones to help you manage retirement the right way. What is concerning the number of individuals that are coming out of retirement to support themselves. That is calamity and our goals are built on mitigating risk. 

Back To School Is An Invest Now:

Back to school shopping and now parents are maxing out their credit cards once more. This time of year with sports, school activities parents have their hands full with one of the largest retail shopping events of the year, second only to winter holiday shopping. According to the National Retail Federation, "Hello Black Friday" now a new shopping king is back and back-to-school spending has increased to $38.8 billion, the second-highest figure on record, after last year’s high of $41.5 billion.

Online shopping (57%), department stores (50%), discount stores (47%), clothing stores (42%) and electronics stores (23%).

Big business will capture great potential revenue. Americans are sole proprietors who run their business independently and wear too many hats. Here are a few strategies to consider implementing, especially since winter may freeze your spending habits when the electric bill and gas bill goes up. Consider grass roots and door knocking. It works! If we can't create a community base business where we live we may lose additional income revenue. Secondly, set up meet and greets with other prospective owners to cross promote each other's services and lend out to your clients for referral fees.. Once you have done that. Get to know your banker. This is important to keep up with changing bank trends. Business is a contact sport in the majority of capital and the only race is beating your competitor and if that does not work try diplomacy or give us a call. Iron-Clad small business recession plan.

Working From Home/Remote is still safe?

Live Data Technologies say, workers will be fully remote by 2025. I will assume so with AI technology on the rise and considering Elon Musk has a future plans for self driving vehicles. Just sit at home with two remotes. One for the car and one for the television. The government and COVID -19 allowed this to occur along with the artificial market of the new job reports. Considering individuals are returning to work and the same individuals are working two jobs. That creates artificial numbers of job growth in the market. What will happen with small business 48.6% may not survive under current conditions based on polls. A survey study was done by RedBallon and the public square and the survey also indicated that 22.4% of respondents said their business wants to survive with continued inflation. This survey, which was conducted from April 30 to May 10 included 80,000 small businesses which are the driving force of America's economy.

Learn How To Prepare For A Recession:

Increase Emergency Savings-wrong

Pay Down High Interest Debt First-wrong

Keep Credit Cards below-Maybe but questionable

This is not how to prepare for a recession. Saving money and a down economy with high food prices, gas, inflation and home ownership is not going to help you long term with discretionary spending. Short term yes. Our lives may be short but getting there is a long process and everyone experience differently. The emergency is now and some are living, pay check to paycheck and now month to month. Paying down bad debt with debt on the books is not a good plan or strategy for budgeting with new procurements. We keep teaching these methods to ourselves first because selling you that is a great business model for the banks to have returning customers. Please don't teach this to your children and last but not least paying down your credit cards to 30%. The paying down of credit cards only improves your credit score and more loans for what you have already become. A debtor! Here is what I mean by that. Where do you go when your emergency savings are depleted? Your credit cards! Two secrets, only increase emergency savings to invest and only negotiate credit cards fully knowing paying down high interest debt does not place you and a creditor position. The first and only debt is good debt and the debt that only serves you. So what do I do with bad debt? You negotiate pennies on the dollar. The Iron-Clad Small Business Recession Plan will show you the way. 

Common sense says to me. How Can You save? When you are  spending and the dollar is the same but not goods and services. Grocery shopping with a basket vs a cart. We have to get serious about financial hardship and living paycheck to paycheck. Here are a few tips on how to survive a recession? If your credit cards are maxed out. Speak with the credit card companies and negotiate the debt. They will understand! They have no options with you! Go on a payment plan and attack the interest and request to lower the principal. Stop being a minimalist. Spread out food consumptions and change your bills based on usage. Learn how to write all items off and have an investor buy back your debt. Place your savings into an interest bearing and convert the interest. This is just a few tips on how to become an Iron-Clad client. Learn debt management skills as an everyday tool.

Retirement Planning:

Tax Strategies

Income Strategies

Debt Strategies

Insurance Products

Putting a plan together today for tomorrow. Please don't be the mule at the river with good memory and poor judgement. Your 401k employer is not an expert for you to get advice from. Learn where you stand financially before it becomes too late. Don't keep yourself in a box. The same mix of mutual funds from your employer 401k are inherently flawed. Learn individual stock, leverage insurance products, pre tax money and Real Estate. A dysfunctional employment system wants to help you. The average individual investor is not knowledgeable or thinks enough on how to manage money. The less you do, the more you need to be engaged.

Social Security Trust Fund Is At Risk:

May no longer be guaranteed.

A three month Treasury Bill is now paying over 5%.

A1 insurance companies deferred income annuity will lessen you being a victim of the stock market.

Guaranteed Income. Build a better portfolio and this will be your pension.

Where did all the money come from to bail out the airlines, banks and car companies from getting bailed out from social security money? Poor fiscal management from our government. The government will do nothing to stop you from hurting yourself or undo what was done. You have to capture sectors outside the market. A portfolio is a net to capture a better financial future for you and your family.

The government has artificially created the market. Just as in Real Estate individuals moving from one coast to another has artificially inflated the market. There should be money at risk and not at risk. So have money in a market and out of the market. Take the gain off the table and protect it. An uncertain market is the time to do protective strategies.

A home can be a “money pit” for those who are simply not ready. There are grants and first time home buying assistance but no one does not take into account how a new home can financially bankrupt you. I am here to challenge the notion that buying a home is one of the keys to your future wealth and financial security. I will continue to express the importance of tax strategies, income planning and diversification of having a portfolio. Where so many hats can cost you because serving one goal you may sacrifice the ultimate one. Retirement planning! The number one debt that forces individuals back to work before they retire or after is health care. The time has come to access debt and to get rid of debt that is not to your advantage. Debt planning is not done with Americans as home steady climbing. Artificial markets of individuals migrating from one area to increase the average home price was 384,600 at the end of 2019 a gain of 33% according to Federal Reserve Data. This is out of reach for 90% of Americans. Average homes sold in the U.S. hit $513,100 during the 2024 first quarter, according to Federal Reserve data. Congratulations on buying a home last decade and still own it today, chances are your value and net worth has risen considerably. We all numbers don't lie but can be manipulated not to tell the full story. My line of work is to crunch numbers for projects to get approved and buy doing so. We must do a full scale financial forensic audit to see the full story to start today.