Are We a Nation of Financial Illiteracy?

Survey has shown that two-thirds of Americans can’t pass basic financial literacy test. Take out a $1000 dollar loan that has 20% rate for one year how much would you owe? Are you in business for your self can you determine your profit margins and financial loss?

If not, lets take educated steps together in improving this Ratio. Humanity Academy will be offering financial classes 101 in mid year of 2018 TBD.

So, if you want to thrive in todays economy we must challenge the status quo and get financially educated in order to succeed in business and in life general.  Do you have the right mindset towards money???  Not sure of your next step in building your wealth?



PLEASE WATCH/REVIEW EVERYTHING DOWN BELOW click on either the picture icon or title.

Click on down below where applicable. After you have watch/review all video’s, and articles and you are excited about coming on board as either an affiliate/customer or K-exchange owner in which you can either provide or accept goods, products and service  in which you can either receive, accept or yourself pay in gold.  Contact us immediately in positioning yourself for greater wealth thru financial literacy instead of financial ills.

Our Contact info is down below at the very bottom:

This is taken from IRS Publication 519 (2017). Its important to understand that Multilevel marketing is recognized by the IRS as a Legitimate Business Structure.  Also look up TAX TIPS for direct sellers.

Publication 519
Cat. No. 15023T
U.S. Tax Guide
for Aliens
For use in preparing
2017 Returns  Chapter 2, page 11.

Multilevel marketing. Certain companies sell
products through a multilevel marketing arrangement,
such that an upper-tier distributor,
who has sponsored a lower-tier distributor, is
entitled to a payment from the company based
on certain activities of that lower-tier distributor.
Generally, depending on the facts, payments
from such multilevel marketing companies to independent
(non employee) distributors (upper-tier
distributors) that are based on the sales
or purchases of persons whom they have sponsored
(lower-tier distributors) constitute income
for the performance of personal services in recruiting,
training, and supporting the lower-tier
distributors. The source of such income is generally
based on where the services of the upper-tier
distributor are performed, and may, depending
on the facts, be considered multiyear
compensation, with the source of income determined
over the period to which such compensation
is attributable.

We wish to introduce the public into a new form of wealth thru

Karatbars Coin


Master Key System Audio Book

The Master Key System is the best way to study and apply the LAW OF ATTRACTION in your daily life and to get what ever you want. It explains universal laws: Law Of Growth, Law Of Cause And Effect and the Law Of Attraction and more. After each chapter you get a lesson to master, to apply the Law Of Attraction in your daily life. It helped thousands of people, what about you? Are you ready to change you life?

This is the one product you’ve been waiting for: the all-new Master Key System audio book. It’s a rare treat indeed. Professionally recorded by ex-BBC news reader, Peter Baker from the United Kingdom, and musically accompanied by custom-composed and arranged intros, parts and bridgets made in Ukraine by Armen Synytsyn of Studio Etude to suit the speed and style of Peter’s voice.

This product is truly unique, as it also contains the extended foreword published in a 1941 UK edition of the Master Key System. Also integrated are Helmar’s additional commentary, helping you understand this amazing teaching even faster and better.

The total playing time of this audio book is 11 hours, 27 minutes! Cost: $104.55 USD

Country Karatbar - USA We the people

Karatbars International has now extended the Country Karatbar section with the uniquely designed second USA card.

The characeristic colors – blue, white, red and the generic symbols of the United States – the eagle, the Statue of Liberty, the United States Declaration of Independence and the Stars and Strips harmonize perfectly together.

Get yours today and add another one of a kind Karatbars card to your collection.

Every gold bar is

• 999,9 finest quality gold   • sourced from LBMA accredited refineries

• imprinted with unique DNA for for counterfeit protection Each gold bar is inset into the Karatbar frame, which is of

• standard credit-card size and

• covered by a safety laminate   • provided with a black-light authenticity signature on the front.




leverage your financial freedom with gold

How Gold may leverage your financial freedom

Gold – The History: The very distinctive colour and shine of gold already fascinated our ancestors. The precious metal made its first appearance 6,000 years ago. It decorated sovereigns and their …


Debra@323.642.8277 or Carol Dominguez 916.203.7246.  Do leave us your full name and best contact info and how you come to hear about Karatbars.