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It has now been over 10 years since the market crash of 2008.  And during the past decade, many have been lulled into believing that the high yields they have earned during that time are sustainable.  People have, once again, come to trust in dividend-paying stocks as safe and secure investments because they have forgotten …

Continue reading “If You’re Not Apprehensive, You’re Not Paying Attention”

Charlie Elliot was a multimillionaire.  He had worked hard his entire life farming.  And over the years he had added land and wealth to his estate. One piece of land he acquired required substantial clearing before it was even fit to run cattle on.  So, Charlie purchased a bulldozer and excavator to get the job …

Continue reading “Who Do You Have Working for You: A Driver or Operator?”

So many had great expectations for a huge Bull Market to pull them through in 2018.   The sorry thing is, the bull never showed up.  Markets simply did not make higher moves that were sustainable. And so, the market of 2018 ended up almost where it started on January 2, 2018.  This has left many …

Continue reading “The 2018 Bull Market That Didn’t Happen”

Some days have evolved into being widely celebrated while others are just regular days even though they were once traditional holidays.  Boxing Day, the day after Christmas, is one of those days.  Once widely celebrated, it is mostly forgotten today. But dating from the early 13th century a “Poor Box” was opened and distributions were …

Continue reading “Today is Boxing Day – The Day After Christmas“

Tengo frente a mí una ilustración de un Seguro de Vida Universal Index (IUL…Index Universal Life). Un prospecto nos la envió porque su agente le prometió que podría recibir $31,000 cada año para el retiro por el resto de su vida si él paga un total de $183,000 en primas durante los próximos veinte años. …

Continue reading “COMPRAR UN INDEX UNIVERSAL LIFE ES ARRIESGADO… ¡BASTA CON VER LA CORRECIÓN DEL MERCADO ESTE MES!”

My dad died on January 1, 2016. And Mom lost the income that came from his pension.  She also lost her Social Security but was able to continue receiving Dad’s. Even so, $1,100 and some odd change each month isn’t enough to live on.  And that is why as a married woman, you need to …

Continue reading “Why Life Insurance is So Important for Married Women”

In front of me is an Index Universal Life Insurance (IUL) illustration.  A prospect emailed it to us because his agent had promised he could receive $31,000 a year in retirement income annually for the rest of his life if he would pay a total of $183,000 in premium over the next twenty years. Here …

Continue reading “Universal Life Insurance is a Risky Purchase… just look at the Market Correction this Month!”

Over $5,700 per household, that’s the new average for credit card debt in this country.  And the average rate of interest being charged for that credit card debt is now 17.14%!  But credit card debt doesn’t even cast a shadow compared to student loan debt.  Debt incurred for an education has now surmounted to $1.5 …

Continue reading “Interest You Earn Is Weightier Than Interest You Save”

George Clason, the author of The Richest Man in Babylon, is responsible for the 10-20-70 Rule.  He tells the tale of the egg merchant going to the gold merchant to find out how the gold merchant got his gold. The gold merchant, delighted that the egg merchant wasn’t asking him for his gold, gladly told …

Continue reading “How You can Increase Your Free Cash Flow using the 10-20-70 Rule”

Wealth resides, not in ownership, but in contentment.  In other words, don’t allow what you do not have to destroy the wealth that you already possess. If you accomplish this, you will experience the wealth that only comes with contentment. Yet, even when you find contentment there should remain within you a certain level of …

Continue reading “Lasting Wealth”