Covid, myth or monster, has taken big bite out of lives. Over 300,000 jobs unexpectedly lost in January—the expectation was for a net gain.

The obsequiousness of it all is getting hard to justify.

Major drug store chains who advocated Covid protocols for profits recently closed drive-thru windows to save money.

Now customers huddle together on lines inside stores, conforming hypocrisies of self-serving mega institutions.

I saw the writing on wall, when the first non-broker trained CEO was appointed at MERRILL LYNCH. My boss, who answered directly to that CEO, said to me after first meeting him, “…some people make bold moves to climb to the top. Others hide behind them so they don’t get shot in hopes of reaping spoils, if others fail. Time to take the severance package before this ship blows itself up…” I requested mine to be finalized on May 8th the day Joan of Arc liberated Paris in 1429. Not long after, two executives and I were advising other firms on how to be better Broker-Dealers. Four months almost to the day, on what would have been my usual quarterly visit to Merrill Lynch headquarters in New York City. The Twin Towers were attacked. Seven years later my old firm MERRILL LYNCH collapsed under subprime and credit default swap mistakes. The rest of the financial markets and the country’s economy followed.

Author and Journalist Kevin Palmer strategicmanagementadvisors.com

SMA Institute Kevin Palmer http://KevinJPalmer.com

Kevin Palmer discharged http://KevinPalmerArizona.com

Wealth Expert Kevin Palmer http://KevinJPalmer.com 

Hidden secrets first-time millionaires have used to gain abundance https://www.youtube.com/watch?v=LE_vB0e6akg&feature=youtu.be

The post Wasted Capacity Utilization at Major Colleges first appeared on Kevin J Palmer Scottsdale.

Palmer Private Equity, is rooted in Kevin’s Behavioral Economic Research that once set standards for Wall Street brokerage firms. It is now run by Kevin & Gretchen both formally trained at NYSE traded corporations. Its Philanthropic entity invests for the public good in the family’s nonprofit. Kevin is a Financial Freedom Fighter, who as an epigrammatic writer illustrates  how emotional intelligence leads to decision processes that enable economic dignity & improves quality of life. He published two books as well as numerous articles and blogs on economic and financially related topics and his third book will be out in 2023. Kevin has also had radio appearances on NPR’s Market Place, NPR affiliate KJZZ-FM, KXTZ-FM, as well as television appearances on KPNX-TV, KVVU-TV5, KNXV-TV. He currently resides in Scottsdale, AZ

“Peace through Prosperity” projects to challenge Injustices through Self-empowerment.
Kevin Palmer writer-rebel-producer-poet http://KevinjPalmerAuthor.com

Kevin Palmer Arizona http://KevinjPalmerAuthor.com

Kevin Palmer www.thequietrich.com

Author Kevin Palmer http://reawakeninganamericandream.com 

Kevin Palmer Arizona www.smainstitute.com

Kevin Palmer Phoenix www.kevinpalmerscottsdale.com

The post Happy Christopher Indigenous Peoples Day first appeared on Kevin J Palmer Scottsdale.

To achieve wealth, and the financial freedom that goes with it, all you need to do is change how you think. A recent SMA Institute study revealed, it’s not hard to change neuropathways in the brain and move into top percentiles of income or wealth. Most of us tend to default to things we were taught as children, like being good students, or ideal employees. But in order to thrive you must first unlearn some habits. If you’d rather not break rules or make waves at work, stop reading—but if you want to get rich, get fired!

As a young news reporter in Baltimore, Oprah Winfrey’s boss said she, was a bad fit and look what happened to her. Lots of rich people got fired. Mark Cuban, Thomas Edison, Walt Disney, my old neighbor Jerry Seinfeld. Even Abraham Lincoln was reduced to the military rank of private before he rose to President of the United States. While training stock brokers at white shoe Wall Street firm, I needed to fire someone who consistently failed my expectations. He left and made millions as a computer dating entrepreneur.

In society order must be maintained and using fear bases rules, like with Covid19, keeps the masses controlled, paving the way for those at the top to make the most money. As far back as 1200 BC Egyptian pharaohs first agreed to protect farmers and then made them follow their rules while they collected unimaginable treasures. In England, during the Peteloo Massacre of 1819, people protested against such rule and were attacked by their own militia. Eighteen people were killed.

Once you give up your power, you may not get it back. Keep in mind there’s a long list of those who opposed the status quo, like Elon Musk, J.K. Rowling or Bill Gates. Disruptors get rich and don’t buy into mass think. Licenses are granted by bureaucrats who monitor and threaten you with compliance but no one needs a license or a regulators’ approval to make a lot of money! Do what works (ethically) for you! Serving agendas of companies, institutions and governments will only keep you oppressed.

Resist being ruled and it will positively affect neuropathways in the brain to help you let go of misconception like, your boss knows better. Remember Doghouse Reilly. “I was fired for insubordination. I seem to rate pretty high on that…” If you want to make millions defy when others repress your ideas and express what you do best. Unlearn old habits and replace them with personal empowerment to launch transformational change that will keep you focused and rich.

Kevin J Palmer

https://smainstitute.com/american-dream-interview-with-kevin-j-palmer/

Palmer Private Equity                        March 2021

www.kevinpalmerscottsdale.com  December 2020

www.thequietrich.com                    January  2021

www.smainstitute.com                    February 2012

break from the crowd https://www.smainstitute.com/journalism.html

economic justice activist   strategicmanagementadvisors.com

Kevin Palmer Phoenix https://vymaps.com/SG/SMA-Institute-158404730910835/

author and Journalist Kevin Palmer http://palmerholdinggroup.com

SMA Institute Kevin Palmer  http://thequietrich.com/

Kevin Palmer discharged https://smainstitute.com/economic-justice-self-empowerment/

Wealth Expert Kevin Palmer http://KevinJPalmer.com

Kevin Palmer Arizona http://KevinjPalmerAuthor.com

writer rebel producer poet http://KevinPalmerArizona.com

financial freedom fighter http://reawakeninganamericandream.com

Kevin Palmer Scottsdale https://smainstitute.com/writer-rebel-producer-poet/

The post Kevin Palmer says Get Terminated first appeared on Kevin J Palmer Scottsdale.

Things that have been around for generations with rock-solid evidence we categorize as, “true.” We’re good at moving up the scale of certainty.

We’re also good at taking somethings we think might be true and accepting that it’s probably true like, gravity and the laws of thermodynamics.

We fail miserably coming down the scale of uncertainty, often doing the opposite by doubling down to prove to ourselves we were right all along.

That’s our trouble here. Changing your mind should be something admirable not as sign of weakness. It’s success to be celebrated and not a failure!

Nietzsche was right all along. It’s not flexibility of thought but rigidity of thought that causes irrationality and stupidity

(some elements herein reprinted from source)

Kevin Palmer Arizona

#authorkevinJpalmer

KevinJPalmerAuthor.com

reawakeninganamericandream.com

http://thequietrich.com/

http://smainstitute.com/

KevinJPalmer.com

palmerholdinggroup.com

strategicmanagementadvisors.com

Author and Journalist Kevin Palmer – SMA Institute

Kevin Palmer Terminated From First base on over throw, worked his way up in Wall Street biggest firms. After learning everything he could from them, teamed up with other executives to advise smaller firms. Kept his license with a corporate client, to day trade…a bad idea (story for another time or book) …but that addiction inspired his Behavioral Finance firm, sMa Institute which did groundbreaking research still used today in investment policies at some Wall Street firms.

KevinJPalmerAuthor.com   Writer Rebel Producer Poet  = reawakeninganamericandream.com – http://thequietrich.com/

http://smainstitute.com/       = KevinJPalmer.com     palmerholdinggroup.com   strategicmanagementadvisors.com

The post Rigidity of Thought first appeared on Kevin J Palmer Scottsdale.

Kevin Palmer Terminated From First base on an over throw

Written by a wealth expert and Financial Freedom Activist Kevin Palmer

Financial Freedom Activist Kevin Palmer

Kevin Palmer was recently Scottsdale

Kevin Palmer

Kevin Palmer Author

Kevin Palmer Scottsdale

Over Discretionary Trades FINRA fraud Discharged from his

Kevin Palmer Arizona

Kevin Palmer was recently

writer rebel producer poet

Terminated From First Base Over Throw

kevin palmer Arizona

The post Covid19 Days first appeared on Kevin J Palmer Scottsdale.

redacted don’t trust her to be objective or accurate and have no faith in redacted stability because she sees the world as a threatening. That encompassing distrust and lacking empathy for us makes her explosive and accusatory. redacted easily loses appropriate reality testing making it counterproductive to engage in something so vital. Kevin Palmer AZ

redacted accept her for who she is but redacted  needs to do the same to navigate through this impasse. As a victim of abuse, she had no control in her life and is using the courts to fix her childhood wounds. Too many people have been falsely accused or victimized.  redacted biggest weapon is to engage others in the ongoing battle within the ‘system’ where she excels, it’s what is feeding her self-worth. Kevin J Palmer Arizona

Making everyone in redacted  life ‘reintegrate’ is her way of taking back control of abuse.  It will work for a while but soon won’t be not be good enough. Because redacted never dealt with the pain of abuse, reporting on others gives her comfort. If she’s willing to lie and speculate to keep redacted away, why would we even engage.  redacted have been cautioned by counselors that she will seeks devastating revenge if she feels wronged and we are frightened. Kevin Palmer Arizona

redacted absenteeism from the court when the abuse case started in 2015 was by design.  redacted were not willing to be complicit in manipulated facts and situations.  redacted obsessive insistence that everyone but redacted is toxic, has caused widespread injury to many since her adoption.  Kevin J Palmer Author & Financial Reporter  redacted can go from rational to speaking in tongues in seconds before hangs up the phone when she feels trapped. redacted doesn’t know truth and children fill in blanks or lie when they are afraid which has been scary.

Redacted is often delusional and believed everybody was out to hurt her. Now it’s transferred to her daughter being hurt.  redacted suffered extensive damage to our own reputation from lies, actions and deceit during and after high school.  There were death threats from a boyfriend, legal actions and now she’s withholding our redacted with blackmail. When redacted refused to engage in a reintegration with redacted, redacted threatened to sue for defamation. Extortion is a felony in AZ.    Discharged from his

Let’s call it what it is, a pattern of mental illness. Case files recently discovered, shows early on that in group homes, her similar patterns of manipulation and diverting blame to other by falsifying facts caused her to be removed. redacted self-stated that she knows lying will hurt people but will do it anyway to get what I want. redacted  acquiesced, gave up all control, and was driven into bankruptcy.

redacted believe now for our own protection it is time for a dialogue with redacted counselor and other court related entities in which stopbrokerfraud.com used.  Without our input, the information is completely biased and might require contacting redacted board or subpoena of records.  Once full disclosure is ascertained to find if we were maligned, we can take the opportunity to set record straight on our own behalf.

To read with full disclosure and discretion go to:

https://www.linkedin.com/pulse/coming-soon-from-sma-institute-kevin-j-palmer/

Kevin Palmer Arizona

Kevin J Palmer Author & Financial Reporter

Author and Journalist Kevin Palmer – SMA Institute

Kevin Palmer Scottsdale

Jul 2, 2018.  Former Arizona– based First Allied Securities broker/advisor

The post Excerpt from BPD first appeared on Kevin J Palmer Scottsdale.

To achieve wealth, and the financial freedom that goes with it, all you need to do is change how you think. A recent SMA Institute study revealed, it’s not hard to change neuropathways in the brain and move into top percentiles of income or wealth. Most of us tend to default to things we were taught as children, like being good students, or ideal employees. But in order to thrive you must first unlearn some habits. If you’d rather not break rules or make waves at work, stop reading—but if you want to get rich, get fired!

As a young news reporter in Baltimore, Oprah Winfrey’s boss said she, was a bad fit and look what happened to her. Lots of rich people got fired. Mark Cuban, Thomas Edison, Walt Disney, my old neighbor Jerry Seinfeld. Even Abraham Lincoln was reduced to the military rank of private before he rose to President of the United States. While training stock brokers at white shoe Wall Street firm, I needed to fire someone who consistently failed my expectations. He left and made millions as a computer dating entrepreneur.

In society order must be maintained and using fear bases rules, like with Covid19, keeps the masses controlled, paving the way for those at the top to make the most money. As far back as 1200 BC Egyptian pharaohs first agreed to protect farmers and then made them follow their rules while they collected unimaginable treasures. In England, during the Peteloo Massacre of 1819, people protested against such rule and were attacked by their own militia. Eighteen people were killed.

Once you give up your power, you may not get it back. Keep in mind there’s a long list of those who opposed the status quo, like Elon Musk, J.K. Rowling or Bill Gates. Disruptors get rich and don’t buy into mass think. Licenses are granted by bureaucrats who monitor and threaten you with compliance but no one needs a license or a regulators’ approval to make a lot of money! Do what works (ethically) for you! Serving agendas of companies, institutions and governments will only keep you oppressed.

Resist being ruled and it will positively affect neuropathways in the brain to help you let go of misconception like, your boss knows better. Remember Doghouse Reilly. “I was fired for insubordination. I seem to rate pretty high on that…” If you want to make millions defy when others repress your ideas and express what you do best. Unlearn old habits and replace them with personal empowerment to launch transformational change that will keep you focused and rich.

Kevin J Palmer

The post Fired for Insubordination first appeared on Kevin J Palmer Scottsdale.

I can say two things with full certainty! First, asset priced will be higher after this blows itself out—if not sooner. Secondly, I can also say, that on my last visit to the liquor store, there was no sign of limited supply.

Speaking of supply. Supply/demand go hand & hand with fear/greed. Psychologically we’ll get a Pavlovian response from individuals who are now being bled by stock markets. After this black swan event, they will gravitate into hard assets like real-estate to lick their wounds and we will be there to comfort them.

What is even more ideal for our purposes is, going to cash now make absolutely no sense with rates at zero and possible going negative. Investors owning real-estate (or for that matter being in PE like us) is the only alternative for the smart money.

We undoubtedly will get our full or better price on this project. Selling now because stocks are down defies business logic. That’s my two cents.

Happy St. Patrick’s Day ~

The post Will Gravitate into Hard Assets first appeared on Kevin J Palmer Scottsdale.

“In a case that turns on the adequacy of conflict-of-interest disclosures, the SEC inexplicably excludes many relevant disclosures,” Cetera Advisors and Cetera Advisor Networks wrote in a partial motion to dismiss claims the SEC filed in U.S. District Court for the District of Colorado in August. “In particular, the SEC completely ignores fulsome disclosures that were provided on the ‘Understanding Compensation’ webpages of Cetera’s public websites….”

The regulator charged Denver-based Cetera Advisors with generating almost $11 million in undisclosed 12b-1 fees and in fees that its clearing firm, Pershing, collected from mutual funds and shared with Cetera. The SEC in October added the smaller Cetera Advisor Networks as a defendant.

The independent broker-dealer firms and their investment adviser representatives violated their fiduciary duty and collected $21 million of unlawful gains from September 2012 through December 2016, the regulator alleged, saying that lower-cost share classes were available. It focused its argument on allegedly inadequate disclosures by Cetera in Form ADV regulatory update filings, known as brochures, over the four-year period.

In seeking dismissal of the fraud claims, Cetera intensified what is likely to become a growing legal debate over the adequacy of web disclosures.

“Not only did the webpages describe in detail Cetera’s compensation arrangements and related conflicts of interest, they also included disclosures specific to the conflicts alleged by the SEC, namely Cetera’s revenue sharing arrangement with its clearing broker relating to mutual funds, the receipt of administrative services fees, and the receipt of shared non-transaction fee revenues, also referred to as ‘mark-ups,’” the Cetera filing said about some of its arrangements.

Many clearing and custody firms offer advisors mutual funds without transaction fees to sell to customers, but restrict the offerings to share classes with high expenses that are split with broker-dealers and advisors.

“The SEC alleges that Cetera’s ADV Brochures did not disclose the revenue sharing arrangement with the clearing broker until June 2015, even though identical disclosures were posted on Cetera’s webpages before June 2015,” Cetera’s court filing said in defending its arrangement with Pershing.

The Cetera firms also took issue with the SEC’s claim that it failed to disclose that certain fund share classes carry 12b-1 fees, mentioning only that it may be incentivized to sell certain mutual funds.

“Cetera’s use of the term ‘fund’ captures not only the share class conflict, but also any conflict associated with selecting a fund that pays 12b-1 fees over a different fund that does not,” the firms argued in this week’s filing.

They also took issue with the SEC’s claim that Cetera understated its revenue incentives by saying that it “may” receive fees rather than that it does receive them.

“Cetera provided detailed, tailored disclosures regarding any potential or actual conflicts presented by their receipt of 12b-1 fees and the compensation arrangements with the Clearing Broker,” the filing concluded. “As such, Cetera’s clients were armed with sufficient information such that they could make appropriate inquiries and provide informed consent regarding their advisory relationships with Cetera.”

The firms also asked the federal court to dismiss the SEC’s request for disgorgement of its allegedly improper gains, citing a 2017 Supreme Court decision that said Congress has not authorized the regulator to seek such punitive recompense. The Supreme Court last month said it will consider another case that could elucidate whether the regulator has the authority to seek disgorgement for securities law violations.

Cetera Financial Group includes about 3,500 independent broker contractors affiliated with five broker-dealers. Private equity firm Genstar Capital purchased Cetera last year for a reported $1.7 billion.

by AdvisorHub Staff

SEC Charges Cetera Advisors with Fraud in Fund Share-Class Sales

Denver-based unit of independent brokerage giant Cetera Financial Group allegedly generated almost $11 million of undisclosed 12b-1 fees and revenue-sharing payments from mutual funds and a clearing firm over four years, regulator says.

Aug 30, 2019

In “Enforcement”

SEC Sues Commonwealth over Revenue-Sharing from Fidelity Unit

Independent broker-dealer denies failing to disclose to customers conflicts from funds and share classes that fueled $136 million in fees from National Financial Services.

Aug 1, 2019

In “News”

SEC Orders 17 Firms to Pay $11 Million in Crackdown on 12b-1 Fee Disclosures

The Commission settled with 17 firms, including 16 who participated in its self-reporting initiative, over allegations they failed to failed to properly disclose conflicts related to receipt of 12b-1 ‘distribution’ fees from fund companies.

Sep 30, 2019

In “Enforcement”

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