You cannot Save your way into retirement. You must Learn how to Earn.

By now you have realized that saving money in a 401K, IRA, savings account, CD’s or stuffing it into a matress will not work if you are looking to retire and live the life you have been use to.

Most people have lost as much as 60% of the value of their retirement savings(401K, IRA,etc.) and it will take them much longer to “save” their way back to a level they will be comfortable with for a healthy retirement.

You cannot “save” your way to a healthy retirement. You need to Learn how to Earn money in order to have a successful, comfortable, healthy and productive retirement(assuming you want to retire).

Kiplinger Newsletter cited some very startling facts awhile back. If you are 35 years old and want to retire at age 65 with $2 million in the bank you need to save $1,300.00 per month for the next 30 years. If you are 45 with $100,000.00 saved you will need to put aside $3,000.00 per month to have $2 million. If you are age 55 with $100,000.00 saved you will need to put aside over $10,000.00 per month to have $2 million for retirement.

Again, you cannot save your way to retirement. What can you do? Find an IDEA that turns into a COMPANY that issues STOCK. What? Look at Bill Gates, Warren Buffet, Steven Jobs. They did not accumlate their wealth by saving money in a 401K, IRA, CD’s or Mutual Fund. They developed an IDEA, turned it into a COMPANY and issued STOCK. They earned their wealth and they have money working for them instead of them working for money.

You need to stop looking for a job, a paycheck and for some one else to take care of you and start taking your financial well -being into your own hands. Start a business. Yes even in today’s climate you can still start a business, grow a business and raise capital to take your business to a new level of success.

Stop relying on financial planners and other so-called experts that are giving you advise for a commission or a fee. If they are not already a millionaire in their own write why would you want to take their advise on how to grow your money.

It is obvious now just by ready the newspapers and listening to news reports how everyone who trusted their money to some else has faired into today’s market.

Start taking responsibility for your own financial destiny. If you are unemployed don’t look for another job just to end up getting fired or laid off again.

As an example, if you have been employed on Wall Street or any where for 5 years or longer you should have made enough contacts to be able to start your own business in that same space and be successful.

Then take your IDEA  turn it into a COMPANY  take it public an issue STOCK. This is the path to true wealth. Money isn’t everything some people say but this comment usually comes from people who are setting on a pile of cash. Make that statement to some one who has lost their job, their home, their life and see what their response is.

Learn how to earn and you will never be without the opportunity to take care of yourself and your family.

In the ’60’s we use to say “if you are not part of the solution your part of the problem”

Get off your butt and start contributing to solutions for the capital market, ecomony and business environment. You cannot depend on political solutions to solve business problems. Politicians are just pimping & pandering to the political whim of the popular “news” to get re-elected. They offer no real solutions to the financial problems faced by many  Americans in this current economic crisis.

If you are sitting in your local bar, coffee shop, salon, mall or walking in circles on some useless picket line protesting taxes and Wall Street bailouts you are part of the problem. Not the solution.

Start your own business!. If you have been fired, laid off or “downsized” use your professional experience and contact in your industry that you have developed over the years and start your own business.

If you worked in the financial industry for 5 years or longer and find yourself out of a job start your own business. You should have made enough connections in your field to be able to open an office or work out of your home as a financial consultant and compete in the new economy. Stop looking for someone else to give you a paycheck at the end of the week. Get out there and do something to take control of you financial destiny.

There are two types of people in this NEW world winners and every one else. If you cannot pick yourself up and get into the first group don’t expect someone to do it for you. You know what the problems are. Find the solutions.

AIG, Citi Group, CURV Entertainment, Ford and GM are all penny stocks.

Penny stocks are defined as stocks trading under $5.00. There are risk associated with penny stocks as the so-called experts say. I say look where the experts got us with Blue Chip stocks. You need to take a look at your investment concepts and take control of where your investment capital goes.

Financial planners and advisors do not have a crystal ball to pick winners. If they did they would not be peddling financial products for a commission. They would all be rich.

You need to look at alternative investments such as penny stocks or over-the-counter stocks that carry risk but also carry the potential for greater upside potential. I am not saying to cash in what is left of your 401k and invest in penny stocks. I am saying if you have some discretionary money ckeck out penny stocks. I have and I have done very well.

CURV Entertainment, stock symbol CEGO, creates original music, movies and video content for viewing on Smartphones, such as iPhones and BlackBerries. Nokia, the largest mobile phone manufacturer predicts that in the next 5 years 25% of the world’s entertainment will be viewed on Smartphones.

AIG can and has gone up 300% with just someone talking about AIG getting more government money.

Citi Group hit .96 cents on Thrusday and went up to $1.06 on Friday. Not a big move but it went in the right direction.

I have invested in penny stocks where the price was 6 cents and went to $3.50 in 6 months. Then back to 80 cents. The key is research, luck, a tolarance for calculated risk and knowing when to get out of the stock.

No crystal ball. No magic bullets. Just a willingness to take a different path on your quest to regaining your wealth.

Publicly traded companies raise capital & increase shareholder value with Let’s Talk Stock financial television show

There are 15,000 publicly traded companies in the U.S. alone. In order to stand out in the crowd and have investors purchase your stock you need to be seen and heard.

Let’s Talk  Stock is a internet television show that provides you with national media exposure 24/7 on its websites and affiliate websites.

Let’s Talk Stock will come to your location and film a 5 minute corporate video with your CEO, CFO discussing your company, products , services and future business development plans.

This corporate video will be made available to investment bankers, investors, shareholders , broker/dealers and investor relation firms.

Let’s Talk Stock provides you a national forum to showcase your public company and develop retail support for your stock. Press releases alone will not do this especially if no one know who you are and there is no following for your stock. Visit www.letstalkstock.com or contact Michael N. Brette,J.D., Executive Producer at mikebrette@aol.com for details and cost.

Increase shareholder value, raise capital and develop retail support for your stock with an appearance on Let’s Talk Stock national financial television network.

Succeed in troubled econominc times with expert business advise.

Michael N. Brette,J.D. advises clients on a wide variety of transactional business matters from start-up counseling, reverse mergers, stock loans, venture capital, debt/equity structures, S-1 Registrations, Form 10 filings, hedge funds, private equity, licensing agreement, royalty financing, monetizing intellectual property, venture debt financing, corporate formation and capital formation.

Mr. Brette is a Founding Member of the Sourthern California Investment Association a 200 members-only association of investment bankers, private investors, venture capitalist, hedge funds and private equity firms that have funded $100 million in transactions every year since 2000.

Mr. Brette has his Juris Doctor (Law Degree) for 30 years. He has published two books Raising Capital For Your Business and Asset Protection Planning (Amazon.com). He is listed in Who’s Who in the World and Whos’ Who in Industry & Finance.

Mr. Brette has invested millions of dollars in emerging growth companies and assisted in raising millions more.

Increase your chances for success in your business venture with expert advise from someone who has been there. Contact Michael N. Brette,J.D. at mikebrette@aol.com

Public companies can raise capital by adding more liquidity to their stock.

If you are a public company seeking to raise capital you need to increase the liquidity of your stock. Forget most investor relation companies (IR). You need to get more retail market support for you stock with market makers.

If you increase the daily trading volume to $25,000.00 per day you can raise capital even in this market with non-recourse stock loans.  A third party shareholder pledges his stock as collateral for a 75% LTV stock loan. He in turn lends the capital to the public company in exchange for interest bearing notes, options, warrants or more stock.

The public company gets the capital they need without more dulition caused by selling discounted shares in a 504 or PIPE transactions. You pay back the stock loan and you get the shares back.

Stock loans do not require credit checks, personal guarantees or financial statements and there are no margin calls. If the stock goes up in value during the term of the loan the borrower can capture this appreciation. If the price  drops the borrower as the option to walk away from the loan without any negative impact on his credit.

Visit www.mbcapital.net or call Michael N. Brette,J.D 951-236-8473 or email mikebrette@aol.com . Get your stock loan going and get your cash in 72 hours.

CURV Entertainment Group,Inc. a stock to watch in 2009

CURV Entertainment Group, Inc., a public company stock symbol CEGO, is poised to become a leader in next- generation of mobile entertainment with new interactive content and mobile communities that engage users as never before. Mobile phones are not just for talking anymore. CURV Entertainment Group, Inc. delivers music, movies and original content to the mobile community. Visit www.curventertainment.com

Smartphone technology music and movie content.

Mobile phones are no longer just for talking. Many of the new devices being released by manufacturers today include the ability to surf the web, send emails and SMS text messages, store mp3’s, take pictures, watch videos and many other great features.

There are twice as many mobile phones as PC’s. Mobile phones are selling four times faster as PC’s. 70% of mobile phones worldwide are already configured for internet access.

Nokia, the world’s largest mobile phone maker, predicts that in the next five years, mobile phone users will create and consume 25 percent of the world’s entertainment and it will all be watched on so-called Smartphone’s. like iPhone and BlackBerries.

Curv Entertainment Group, Inc. a public company, stock symbol CEGO is a mobile entertainment company that strives to deliver users a more dynamic, interactive and fun mobile experience with the creation and deployment of interactive mobile websites, text services, web discussion forums with photo, music and video sharing capabilities, custom-built mobile applications and entertainment content like music and video for mobile phone distribution on all major U.S. & worldwide carriers.

Please visit www.curventertainment.com

Form 10 Shells available to take your company public

If you are thinking about taking your company public to help raise capital consider a Form 10 shell. We have Form 10 shells available complete with audited financial statements and shareholders. Ready to trade.

Do not buy a pinks sheet shell or a bulletin board shell for $500,000.00 and face lawsuits and other regulatory problems. Start with a clean Form 10 shell that has never traded and therefore has no outstanding problems.

We can take you public with a Form 10 shell for $65,000.00 plus equity. We do all the legal work and filing, build your shareholder base and provide capital. We are principals not brokers.

Contact Michael N. Brette,J.D. at mikebrette@aol.com

Public companies which are undervalued & overlooked need capital, stock support and specialized media coverage

I will open the door to investment bankers, market makers, venture capitalist, private equity and hedge funds developed over my 30 year career as a financial professional and business development consultant. I have invested millions of dollars in emerging growth companies and have assisted in raising millions more.

I have an indepth understanding into the mind of accredited investors that affords a unique method to securing capital.

I am available as an Advisory Board member or consultant to your publicly traded company. I require a cash retainer and equity. No start-ups, private or pre-revenue companies. I do not offering my consulting/advisory services on a commission or success based compensation.

I am looking for public companies that want to reach a new level of success. Contact Michael N. Brette,J.D. at mikebrette@aol.com. Visit www.mbcapital.net and www.vntrnet.com