Most investments fit into one of four basic classes: Ownership Lending Cash Intangible When you invest in stocks, you’re buying a piece of ownership in a company, whereas bonds directly involve lending money. Money market securities offer a way to keep your cash accessible and safe, and they even let you earn a little bit …

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The question of “becoming your own banker” is growing more and more prevalent today as people begin to realize that just owning or purchasing high cash value life insurance won’t make you significantly richer. Should you become your own banker to grow and protect your financial assets? It depends. Let’s take a closer look. On …

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Table of Contents: What You Need to Know about the 7702 Plan What Is an IRC 7702 Plan? 7702 Plans Compared to Traditional Retirement Accounts Pros and Cons of 7702 Plans Section IRC 7702 Changes Is a 7702 Plan Right for You? What You Need to Know about the 7702 Plan Many insurance agents market …

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Becoming your own banker, the infinite banking concept, bank on yourself and other financial concepts promote the idea of using the life benefits of life insurance. Many people think life insurance is for when you die, that’s true, but you can also use life insurance while you’re still alive. There are benefits to using life …

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Just because marketing doesn’t discuss the dangers of a product doesn’t mean there are none. The strong, tough Marlboro man advertisements certainly didn’t portray the sufferings many smokers experience in later years, but this does not mean smokers who exclusively smoke Marlboro products will escape these sufferings. Some life insurance products have hidden dangers too. …

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Recently we’ve had a few Indexed Universal Life policy contracts come across our desk for review. As part of our review process, we calculated the cost of insurance in these policies and compared it to the cost of insurance in a Whole Life product of our design. In today’s show, Tom and John look at …

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Several years ago, 4 of our family members decided to get a private pilot’s license.  In order to pass the FAA exam, to fly legally as a general aviation pilot, you must have a certain number of hours where a certified flight instructor sits beside you and teaches you how to maneuver a plane around …

Continue reading “PWLI vs IUL The Difference Between Flying and Driving”

John (Jack) Bogle, is indisputably someone who had a profound impact on how investors participate in the market today.  According to MarketWatch, those who have followed Bogles’ leadership most likely haven’t been “front of the pack” investors but have certainly ended up retaining actual returns that rank in the “top 20% of all investors.”[i] So, …

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In the mid to late 1970’s DMSO was greatly sought out by athletes and arthritis sufferers as a remedy for joint pain.  The major problem was, it was illegal to purchase DMSO for human usage, and so you had go to a vacuum or sewing machine repair shop to purchase it. DMSO was frequently used …

Continue reading “Dimethylsulfoxide (DMSO) and Other Fad Remedies”

Recently a southern state spent $214 million over a four-year period to hopefully improve the reading proficiency of fourth grade students. The results were dismal.  According to the Nation’s Report Card, only 1 out of 3 of this state’s students improved their proficiency and their fourth graders fell from 39th place to 47th place nationally.[i] …

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