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It’s been twenty-one years since Transamerica Life Insurance Company released and sold their very first Indexed Universal Life Insurance Policy (IUL).  Today there are over 40 insurance companies that have followed suit realizing, that by taking Transamerica’s lead, they can increase their profits (the insurance company’s profits) while assuming less risk.  And while this means …

Continue reading “Where’s The Guarantee?”

Many wonder whose money you borrow when you leverage a Participating Whole Life Insurance Policy for a loan.  And the simple answer is, NOT YOURS. And that is one of the best reasons to use such policy loans to build equity. It’s been said that Warren Buffet’s father took him aside when he was around …

Continue reading “Where Does the Money Come From?”

You wouldn’t work very long without some form of compensation.  But you might be stunned how many people permit their money to work for nearly nothing. Jeff and Jim are twin brothers.  Jeff believes he can consistently earn 8% in his portfolio and decides he’s going to put $2,600 each year into his investment. Jim …

Continue reading “The Bigger You Are, The Harder You Fall”

When you get your idea about money straightened out, most everything else in your life will straighten itself out.  If you hold to the idea that money will make you happy, you are in for a colossal disappointment.  At the same time, if you defend your lack of material wealth and resources because you entertain …

Continue reading “Your Alternative to Becoming Wealthier”

When you make a major purchase, you want to make sure the product you purchase is backed up by a good, solid guarantee.  In fact, you most likely would pay more to secure such a guarantee.  And that is because you simply can’t risk purchasing a lemon and having no recourse if something goes wrong.  …

Continue reading “You Wouldn’t Make a Major Purchase Without a Guarantee, Would You?”

The late Billy Graham grasped the significance of taking an accurate stance about money when he stated, “If a person gets his attitude toward money straight, it will help straighten out almost every other area of his life.” Graham’s insight is significant because the “great philosophers” never grasped this simple truth. Platonic philosophy teaches us …

Continue reading “Why Your Attitude About Money Matters”

Recently while traveling home from Phoenix we passed through Needles, California on Interstate 10 and noted that gas prices were $4.39 a gallon for regular unleaded.  Less than 5 minutes up the road, after we had returned to Arizona on highway 95, gas prices were $2.34 for a gallon of regular unleaded.  That is a …

Continue reading “How to Protect Your Money from Inflation”

Life expectancies have dropped over the last three years in the United States, unlike between 1980 and 2014 when most of the United States experienced a boost in life expectancy.  Today despite “medical advances” (and too often because of those advances) life expectancies are on the decline. Statistically, death due to medical intervention, according to …

Continue reading “Is Your Life Expectancy Lower than Your Parents?”

2018…It was a year that recorded multiple historic highs as well as the largest single-day gain in history. But it turned into a loss for most investors. In fact, according to MarketWatch, 90% of the 70 asset classes cited in the Wall Street Journal posted negative returns for the year.  The previous worst time in …

Continue reading “The Worst Year Since 2008 On Investments”

Han pasado más de 10 años desde la caída del mercado en 2008. Durante la década pasada, muchos se han adormecido en la idea de que los rendimientos altos que han ganado durante estos últimos años son sostenibles. La gente, una vez más, ha vuelto a confiar en acciones que pagan dividendos (stocks) como inversiones …

Continue reading “Si no eres aprensivo, no estas poniendo atención”