Blog

The Worst of Times

Apr 25, 2018Tomas McFie

Charles Dickens penned these famous words: “It was the best of times, it was the worst of times, it was the age of wisdom, it was the age of foolishness, it was the epoch of belief, it was the epoch of incredulity, it was the season of Light, it was the season of Darkness, it …

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Commitment

Apr 18, 2018Tomas McFie

Wow! A lot is packed into that little word: Promise, guarantee, assurance, faithfully avow, contractual bind, obligate, and pledge just to name a few. And yet today, many people have “committed” to so many things that they risk not making any one of them as good as they could be. We run helter-skelter, to every …

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The single biggest mistake people discover after taking a policy loan

Apr 11, 2018Tomas McFie

Dr. Seuss’ book, “The Sneetches,” which is also now a YouTube, is about two different kinds of creatures.  One type has stars on their belly, the other kind have no stars.  Of course, those who have the stars make those who don’t have stars feel inferior and less of a Sneetch than those who do.  …

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Rich or Rich and Famous?

Apr 4, 2018Tomas McFie

In a recent public opinion poll, people we’re asked, which they would prefer; Have $10 million dollars in the bank along with fame, or Have $50 million dollars in the bank and retain their anonymity?[i] Unexpectedly, for the author of this study, 97% of those who participated in the survey picked being rich and remaining …

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Face Value

Mar 28, 2018Tomas McFie

In a participating whole life insurance policy, the “Face Value” of the policy is the dollar value of the benefit that will be paid should the insured die while the policy is still in force. Part of the face value consists of paid-up insurance, which is insurance that is actually owned by the policyholder. The …

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Getting the Most for Your Money

Mar 14, 2018Tomas McFie

Dr. Seuss’ book, “The Sneetches,” which is also now a YouTube, is about two different kinds of creatures.  One type has stars on their belly, the other kind have no stars.  Of course, those who have the stars make those who don’t have stars feel inferior and less of a Sneetch than those who do.  …

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Presenting in a Castle

Mar 6, 2018Tomas McFie

Back several years ago, our family travels led us to discover the Vikingsholm Castle at Emerald Bay in South Lake Tahoe.  Built in 1929 with over 200 workers, the Castle was built from materials that were mostly found near and around the Lake Tahoe basin.  Much of the structure was hand hewn and honed and …

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Optimism, Success and the Pursuit of Happiness

Feb 28, 2018Tomas McFie

Those who know anything about our family know how much we admired and respected Zig Ziglar.  His message of hope, inspiration and positive mental attitude changed our lives.  Having first heard Zig’s audio recording entitled “Biscuits, Fleas and Pump Handles” when I was merely 13-years old, my outlook on life was altered. Which, in looking …

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Premium Finance

Feb 21, 2018Tomas McFie

It has become fairly common to hear of some agent or brokerage offering premium financing for prospects and clients to purchase more life insurance.  And although this sounds magical and enticing, there is always a cost to using somebody else’s money.  And it is always in your best interest to know what that cost actually …

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Is Your Money Dead or Alive?

Feb 13, 2018Tomas McFie

As I wrote this blog, the stock market posted its worst loss since 2011. Yet, the money our clients manage for themselves suffered no loss, nor did any of my money which I manage for myself! Axel Merk, chief investment officer at San Francisco base Merk Investments had this to say about the market crash; …

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