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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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”
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…And How You Can Profit from the Know How My mom took a tumble in the wee hours of the morning several weeks ago. This meant a ride in the ambulance to the hospital. And after x-rays and CT scans we were told she had a broken arm and were sent home with a sling …
Continue reading ““How Burger King Out-Witted McDonalds””
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CSO Tables…you won’t find these tables in any furniture store. CSO (Commissioners Standard Ordinary Mortality) Tables are produced by the Society of Actuaries and the American Academy of Actuaries, who work together to glean the data that provides insurance companies the necessary information to determine what reserves they need to keep in order to pay …
Continue reading “CSO Tables…And What They Mean For You”
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There is absolutely no question that your money has the potential to grow faster if you defer the taxes you owe when you earn that money. However, not knowing the tax rates that you will be charged in the future on that money is a gamble that may not be sustainable for you. Not to …
Continue reading “Should You Defer Your Taxes or Plan to Have Access to Never Taxed Money?”
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Too many financial planners, CPAs and life insurance agents are so busy talking about rates of return that can be earned either in mutual funds, stocks, bonds or even life insurance, that they fail to properly inform you that most Americans are not saving enough money to retire on. In fact, outside a brief spike …
Continue reading “How to Keep More of What You Earn”
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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] …
Continue reading “Back to the Basics”
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Unless your degree is in science, technology, engineering or math, you have a 66 percent chance of regretting that you ever went to college.[i] And that is in large part because the degree earned provides an insignificant difference in income earned. Take for example a registered nurse. They will spend somewhere between $40,000 -$100,000 on …
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It is common to see a table of past index performances in an Indexed Universal Life Insurance (IUL) illustration. These performances are always accurate but can be misleading if you don’t comprehend how past performances relate to creating value in an IUL policy. Historical data provides little to nothing in helping you project what the …
Continue reading “Understanding Indexed Universal Life Insurance Values”
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In a recent study it was discovered that the average American will spend $120,000 on alcohol during their lifetime. That comes to $2,400 per year, or $6.57 each and every day, for 50 years. This daily cost exceeds the average cost of a six pack. And that means a lot of alcohol is purchased by …
Continue reading “CHEERS to this!”
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