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In: Finance, Financial Planning, Retirement, Taxes

Asset Allocation MixRisk – Taxation – Accessibility Establishing an appropriate asset allocation mix might sound confusing, but it doesn’t have to be. If you live in or have visited a big city, you’ve probably run into street vendors—people who sell everything from hot dogs to umbrellas in carts—on the streets and sidewalks. Many of these entrepreneurs sell completely unrelated products, such as coffee and ice cream. At first glance, this approach seems a bit odd, but it turns out to be quite clever. When the weather is cold, it’s easier to sell hot cups of coffee. When the weather is hot, it’s easier to sellRead More →

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In: Bank On Yourself, Finance, Financial Independence, interest, leverage, Retirement, saving, Taxes

Stock Market High Buy or Sell? The stock markets are at an all time high! Should you buy or sell? Many believe the markets are literally on edge… What is causing the stock market madness? The excitement associated with stock market rallies is perpetuated by the media’s enthusiasm. And, though they have been on the sidelines since the Presidential election, now they can’t seem to get enough of this current run. Recently CNN/Money reported “No worries on Wall Street” insinuating that fear and greed were responsible for the run. But, others are running scared, stating that a meltdown is imminent. Last month the Census Bureau releasedRead More →

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In: Bank On Yourself, Finance, Financial Independence, Inflation, Money Solutions, Retirement, Retirement Income, saving, Taxes

The Great 401k Myth Six Reasons Why The 401(k) May Not Be in Your Best Interest The great 401k myth has been perpetuated over the last 30+ years from good intending radio entertainers to trusted advisors. Unfortunately this utopian, politically motivated, economic view of your financial future originates from the government and big banks, and the 401k myth has been propagated to the point of epic proportions. “Myths which are believed in tend to become true.” ~George Orwell What makes the 401k myth so destructive is that it is based on a scarcity mindset and it is being perpetuated from generation to generation. When weRead More →

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In: Finance, Financial Independence, Financial Planning, Infinite Banking, interest, Life Insurance, Retirement, Retirement Income, saving, Taxes, Whole Life Insurance

5 Steps to Financial IndependenceHow To Create Wealth and Freedom Financial independence is truly that, freedom to do what you want on your schedule without depending on the banks or government. But, what if everything you’ve been taught about money and finance wasn’t true? That’s a bold statement, but when you realize that the deck is stacked in favor of the banking system and the government, you can start to understand. If What You Thought to Be True Turned Out Not To Be How you create and store your wealth is your decision. Unfortunately, we’ve been told since birth to… So, our decisions on howRead More →

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In: Life Insurance, Retirement

7 Tips for Financial Wellness Financial Wellness – Good health, not wealth should be at the core of your decisions about money. As any wise person will tell you — and many have, from the Roman poet Virgil to Gandhi — health is wealth. The irony is that the converse is also true — a growing body of research suggests that financial problems actually can lead to health problems. Financial stress has been shown to cause anxiety, migraines, sleep disorders and other physical ailments including high blood pressure and heart disease.1 And it’s not a rare occurrence. A 2012 survey by the American Psychological Association (APA)Read More →

Your Greatest Asset

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In: Disability Insurance, Finance, Financial Planning, Retirement, Retirement Income

Your Greatest Asset

Your ability to earn an income is your greatest asset. If that income is interrupted… even for a brief period… What would happen to your lifestyle?

Most people understand the need to insure themselves from theft, fire and the risk of death… But too often they are leaving an even greater risk totally unprotected, the risk of disability.Read More →

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In: Disability Insurance, Finance, Financial Planning, Life Insurance, Retirement, Taxes, Uncategorized

How To Achieve Your Financial Goals This YearFinancial Planning in 4 Easy Steps Start your year off right and take the necessary steps to achieve your financial goals. You can use the tools, strategies and products that are readily available to help you achieve success with your financial goals. Financial Hurdles The biggest hurdles people seem to have with getting started with their financial planning is knowing what to do and who to trust. There are so many financial products available and so many voices that it’s easy to get overwhelmed and do nothing. So, you have to start with dialog, talking about your financial concerns and goals. It’sRead More →

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In: debt, Finance, Financial Planning, Retirement

Myra Roth Wants Your Money Promises Tax Benefits and Safety Myra Roth, the government’s new retirement account, launched nationwide this past Wednesday. myRA is her given name and she wants you to invest your hard earned money with her. She is of no kin to Ira or Betsy, and I do have my suspicions about her. Disclaimer: This blog was written with satire and is not intended as investment or tax advice. As I write this blog, our country is celebrating Veteran’s Day, and we are broke. A great number of the population are retired and/or unemployed. So, I find it ironic that our government suddenlyRead More →