Not long ago a client asked for an independent review of his investment portfolio. He was under the impression that there were NO fees associated with his investment account and was puzzled as to why his earnings didn’t match up to the returns of the market. This is a common misnomer, as market return is …
Continue reading ““Free” Isn’t Always Fee-Free When it Comes to Your Money”
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It seems that premium financing to purchase life insurance is becoming a common marketing tool to sell more life insurance to business owners and private individuals. Whether the marketing strategy is focused on how you can borrow against a life insurance policy you already own to finance another life insurance policy premium or the marketing …
Continue reading “Premium Financed Life Insurance: A Risky Endeavor”
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Senator and presidential candidate Elizabeth Warren made the 50/20/30 budget plan popular in her book “All Your Worth”.[i] In her book Warren outlines that you should spend 50% of your income to pay for things you absolutely need. This includes: Housing costs Transportation costs Groceries, Clothing, and Utilities Insurance premiums Minimum debt payments on credit …
Continue reading “Budgeting Strategies… What Are You REALLY Worth?”
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One of the biggest things that retired Americans are doing that costs them serious money is home improvements.[i] Either by fixing up their existing home to sell or merely to finally have the home of their dreams, newly retired seniors are throwing away their money believing that these kind of home improvements will actually prove …
Continue reading “How to AVOID Losing Your Money In Retirement”
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“Faster, faster, faster, until the thrill of speed overcomes the fear of death.” That was the tattoo inked on the arm of the fellow sitting across the aisle on the plane. And it is that same line of thinking that coaxes opioid users to have “Narcan Parties.” Narcan parties are the newest thing on the …
Continue reading “Losing Your Money is Optional”
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According to Money, and based on the median income and the cost of living expenses in all 50 states, there are 18 states in the United States where your take home pay feels like you made more than you actually do. In 16 states, it feels like you make less than you actually do. And …
Continue reading “The Fundamentals of the Infinite Banking Concept”
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In the last year alone wedding loans have increased by 144%[i]. As for interest rates on these unsecured loans, they typically start around 5% and can go up to 14%. That’s a lower interest rate than some might pay on a credit card. That being said, how smart is it to begin your marriage with …
Continue reading “Are Wedding Loans Worth It?”
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“Research shows that money is the #1 reason couples cite when filing for divorce in America.”[i] This holds true even for those who have plenty of money and material assets. That implies that money may not be the real reason but rather the easiest thing to blame when it comes to filing for divorce. Allowing …
Continue reading “Money, Marriage and Divorce”
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Which Social Progressives Want to Abolish Your prosperity has more to do with: Truth History Nationality Family and You, than anything else. Truth: Truth has become mystical in our post-modern world. Your truth/my truth has become an existentially accepted norm today. But until you accept that an absolute or eternal truth exists, your prosperity will …
Continue reading “5 Things That Are Essential to Your Prosperity”
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And How Adherence to that Code Generates Productivity and Prosperity We, mistakenly, have been led to believe that freedom, autonomy and voluntary association, along with free trade can be fair and balanced without all parties involved respecting the same moral code. This is not only ridiculous but irresponsible. Without mutual respect for a moral code, …
Continue reading “The Moral Code of Humanity…”
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