From the category archives:

Asset Optimization

Don’t Let Taxes & Inflation Threaten Your Retirement

January 2, 2011

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 Dont Let Taxes & Inflation Threaten Your RetirementThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, Jan. 4th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “True Asset and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Protect Yourself From Taxes and Inflation

The economy is like a sinking ship and Congress is rearranging the deck chairs.

Our National Debt has jumped to $14 trillion. It doesn’t matter if we postpone higher tax rates for a couple of years. Sooner or later, taxes will be going up and dollars will be worth less.

Taxes and inflation can significantly lower your purchasing power. You need to protect yourself.

You need an investment strategy that is tax-free, not tax-deferred.

A dollar doubling every period for 20 periods grows to over $1 million tax-free; it only reaches around $27,000 if it’s tax-deferred.

Most people don’t realize this. They sock away money in traditional accounts that can be taxed on the back end.

People withdraw money thinking they’ll be in a lower tax bracket when they retire, but they’re in a bracket as high or higher than they were because they lost their deductions.

You need to set aside your money in vehicles that are safe, liquid and produce a rate of return greater than inflation. You can conservatively earn 8 to 10 percent in a tax-free environment.

I’m not talking about IRAs, 401(k)s or 457s. I’m talking about tax codes 72e and 7702.

If you average 7.2 percent growth a year, your money will double in 10 years. For every million dollars you accumulate, you can take out $72,000 a year without touching your principle.

Your future could be a whole lot more secure.

Start Saving Smarter

Folks who follow the Missed Fortune strategies have taken advantage of indexing. If inflation occurs, their money is linked to the things that are inflating.

They didn’t lose a penny in 2008, when most Americans lost 30 to 40 percent in the value of their retirement accounts.

I can teach you that IRAs and 401(k)s are not the best ways to safe for retirement. I can teach you that sending extra payments to the mortgage company is not the best way to get out of debt.

In my book Baby Boomer Blunders, I explain how to avoid the financial mistakes that 95 percent of Americans make.

Now is the time to start converting those retirement plans into safer, smarter investments.

Meet with a Missed Fortune advisor to get started planning your future.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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There Are Better Ways to Save For Retirement

December 19, 2010

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 There Are Better Ways to Save For RetirementThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, December 21st at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “True Asset and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

The Bill is Coming Due

Are you funding Uncle Sam’s retirement, or your own?

The National Debt has jumped from $9 trillion to $14 trillion in five years. If we keep going at that rate, it’ll only take six to eight years to double a century’s worth of debt.

We have a spending problem in this country, and our government thinks that adding $3.6 trillion to our debt will level the ship again.

Sooner or later, taxes will go up. What’s your plan for the future?

Don’t count on Social Security. It’s $62 trillion in debt to those of us who’ve faithfully paid in and had FICA and Medicare withdrawn from our paychecks.

IRAs, 401(k)s, 457s, tax-sheltered annuities and other qualified plans aren’t the best ways to save for retirement.

Don’t forget to account for inflation. People are living longer and may encounter what I call “the tax and inflation power curve.”

If inflation averages 5 percent, it doubles every 15 years. You’re going to need a lot more money than you think if you don’t want to outlive your savings.

There is a better way. I can teach it to you.

Going from Striver to Thriver

My e-books can help you plan for a safe and abundant future.

In my e-book Baby Boomer Blunders, I teach how to correct the mistakes that may be holding you back.

In Create Your Own Economic Stimulus: Save Yourself Because Big Government Can’t, I teach the 31 FLAVORS, or Fortunes Lost Amid Valid Optimization and Reallocation Strategies, of Missed Fortune.

You need to stop postponing taxes and thinking you’ll be in a lower tax bracket when you retire.

Folks who followed the Missed Fortune strategies didn’t lose a dime in 2008, when most Americans lost 30 to 40 percent in the values of their IRAs and 401(k)s.

Even though my own home lost $400,000 in value, I didn’t lose a penny in equity.

Ask yourself if now is the time to convert those IRAs and 401(k)s into something better.

Meet with a Missed Fortune advisor to get started planning your future.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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How to Achieve Financial Independence

December 12, 2010

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 How to Achieve Financial IndependenceThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, December 14th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “True Asset and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Will You Outlive Your Money?

The Today Show recently reported that more than half of all Baby Boomers will likely outlive their money. They’ll have to rely on Social Security, charity, welfare or their children for support.

The Bureau of Labor Statistics said something similar back in the 1970s. It stated that by the time 100 American males reached age 65:

  • 54 percent would still be dependent;
  • 36 percent would be dead (although that’s improved since then);
  • 5 percent would still be working to provide necessities;
  • 4 percent would have an income that could sustain them
  • and 1 percent would be rich.

Only the top 5 percent are able to not outlive their money. What do they do differently?

I’ve noticed that 95 percent of Americans follow traditional advice.

They think IRAs and 401(k)s are the best ways to save for retirement. They think they’ll be in a lower tax bracket when they retire. They think the best way to get out of debt is to send extra payments to the mortgage company.

I can teach you that this is not the best way.

The top 5 percent of Americans experience financial freedom. Their money generates safe, reliable income that grows tax free and it lasts as long as they do.

You can have that too. I can teach you how.

Avoiding Blunders

In my book, Baby Boomer Blunders, I outline the ways you can move from the 95 percent to the top 5 percent. These strategies are:

  1. Using short-term vehicles for long-term investments;
  2. Thinking you’re only going to live 15 to 20 years after retirement;
  3. Thinking that paying off your house will give you peace of mind;
  4. Thinking that a $100,000-$300,000 nest egg will be enough for retirement;
  5. Believing you’ll be in a lower tax bracket when you retire;
  6. Believing that deferring taxes on retirement funds saves you taxes;
  7. Thinking IRAs and 401(k)s are the best ways to save for retirement;
  8. Leaving your money in IRAs and 401ks if you don’t need it at 59.5 or 70.5;
  9. Thinking retirement is the time to do what you always wanted to do;
  10. Thinking retirement is a time to coast.

In my book Create Your Own Economic Stimulus Plan: Save Yourself Because Big Government Can’t, I describe the 31 FLAVORS (Fortunes Lost Amid Valid Optimization and Reallocation Strategies) of Missed Fortune.

Even following one or two of these strategies could put an extra million dollars in your retirement account.

Ask yourself if now is the time to convert your IRAs and 401(k)s to better alternatives.

Meet with a Missed Fortune advisor to get started planning your future.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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31 FLAVORS to Create an Abundant Retirement

November 21, 2010

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 31 FLAVORS to Create an Abundant RetirementThis week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, November 23th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “True Asset Optimization: How to Choose the Right Investments.” You’ll learn how to maintain liquidity and guarantee safety of principal while earning a healthy, tax-free rate of return that outpaces inflation.

Register now by calling 1-888-76-Radio (888-767-2346). If operators are busy, please call again.

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Investors Losing Confidence in Traditional Investments

Investors are getting tired of the slow gains for a few years only to have those gains, along with original principal, be lost rapidly.

In 2008, most people lost 31 percent from their IRA and 401(k) and are still not back to what they had in as their initial principal.

Investors are getting fed up with the same traditional advice of investing in IRAs and 401(k)s, to postpone taxes and to have to deal with market volatility for the long-term gain.

According to a new survey from Prince & Associates, 81 percent of investors with $1 million or more in investable assets plan to take money away from their current advisor. An even larger number, 86 percent, plan to tell other investors to avoid their advisor.

Only 2 percent plan to recommend their firm to other investors. That’s of critical importance, because wealthy investors often get investment advice from each other.

Deferring taxes to a later date as taxes continue to rise, lacking liquidity, and placing the rate of return for a retirement nest egg in variable products are only three of the major problems with these traditional investments.

How Can You Gain Confidence and Prepare for an Abundant Retirement?

The first step to gaining confidence is to avoid falling into the investment traps that so many others are facing by deciding not to use the same investment advice that they are.

Why would you defer taxes knowing that the trend is that taxes are rising? Why you would place your retirement hopes into a volatile market and hope to time the market correctly?

By learning the 31 FLAVORS of Missed Fortune, you can:

  1. Choose tax-free investments instead of tax-deferred ones
  2. Have liquidity so that you can access your money when you would like to
  3. Enjoy safety of your principal where you can lock in gains using indexing.

FLAVORS stands for “fortunes lost amidst valid optimization and reallocation strategies.” Implementing 2 or 3 of the 31 can generate $70-80 thousand dollars a year for retirement that is tax free and will continue to be replenished year after year no matter what is happening in the market.

The 31 FLAVORS can show you key points in the different financial aspects of your life that can allow you to sleep comfortably at night knowing that you are not gambling with your retirement. They include:

  • 6 FLAVORS regarding choosing the wrong investments for retirement
  • 6 FLAVORS about your home and real estate
  • 3 FLAVORS on proper tax planning and avoiding unnecessary taxes
  • 7 FLAVORS on asset management
  • 5 FLAVORS regarding risk management
  • 2 FLAVORS about credit and debt management
  • 2 FLAVORS on estate planning

Meet with a Missed Fortune advisor and learn how to implement these 31 FLAVORS and guarantee yourself an abundant retirement.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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Baby Boomers Shouldn’t Outlive Their Savings

November 14, 2010

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 Baby Boomers Shouldnt Outlive Their SavingsThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, November 16th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “True Asset and Wealth Optimization.” You’ll learn how to choose the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Will Your Money Run Out?

Recently, “The Today Show” reported that more than 50 percent of Baby Boomers will likely outlive their money. They’ll have to rely on Social Security, charity, welfare and their children for support.

Not much has changed since the 1970s.

Back then, a Bureau of Labor Statistics study showed that by the time 100 American males reach age 65:

  • 54 would still be financially dependent;
  • 36 would be dead (although that’s improved since then);
  • five would be working to provide the necessities;
  • four would have an income that could sustain them;
  • and one would be rich.

Why can’t 95 percent of Americans reach financial prosperity after 40 years of working?

I’ve noticed that 95 percent of Americans follow the same old financial advice. They sock money into IRAs and 401(k)s. They postpone taxes on retirement accounts.

They assume they’ll be in a lower tax bracket when they retire. They think the best way to get out of debt is to send more money to the mortgage company.

What is that 5 percent of the population doing differently? They’ve accumulated their money through conservative, predictable, tax-free methods.

Their money will last as long as they do. Yours can too.

Avoiding Blunders

I can teach you to avoid the Baby Boomer Blunders that are keeping you from prosperity.

They are:

  1. Using short-term investments for long-term goals;
  2. Assuming you’ll only live 15 to 20 years after retirement;
  3. Assuming that paying off your house will give you peace of mind;
  4. Thinking that a $100,000 to $300,000 nest egg will be enough;
  5. Thinking you’ll be in a lower tax bracket when you retire;
  6. Deferring taxes on retirement funds saves you taxes;
  7. IRAs and 401ks are the best ways to plan your retirement;
  8. Letting your money sit in IRAs and 401ks if you don’t need the money at 59.5 or 70.5;
  9. Viewing retirement as the time to do what you always wanted to do;
  10. Thinking retirement is the time to coast;

I explain all of these points and more in my e-books, “Baby Boomer Blunders” and “Create Your Own Economic Stimulus Plan: Save Yourself Because Big Government Can’t.”

In the second e-book, I describe 31 fortunes lost amid valid optimization and allocation strategies.

Two things are certain. Taxes are going up and dollars will be worth less. But you can reach what I call The Land of Peace and Abundance and join that 5 percent.

Meet with a Missed Fortune advisor to get started planning your future.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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Take Control of Your Future

October 31, 2010

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 Take Control of Your FutureThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, Nov. 2 at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “Asset Optimization.” You’ll learn how to solve the 401k dilemma, choose tax strategies and pick the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Vote for Business Savvy

Everyone should vote! Vote to take back America and elect people who understand how money works.

Voters are fed up with President Obama’s government spending.

I’m concerned about how quickly we’re growing the National Debt. When President Obama took office, the debt was $11.7 trillion. In a year and 10 months, it’s over $14 trillion.

It’s increased $5 trillion since 2007, when House Speaker Nancy Pelosi vowed there’d be no new deficit spending.

That $5 trillion is greater than the amount of debt we amassed from 1789 to 1995. It’s ridiculous! Before Obama took office, the interest was $41 million an hour.

We can’t sustain this. Our retiring Baby Boomer population is larger than the upcoming workforce. Social Security is already $62 trillion in debt to Americans who paid into the system.

They thought Social Security wouldn’t be in trouble until 2042. Then it was 2017. Last October, I said that for the first time in Social Security history, the government paid out more than they withheld from people’s paychecks.

You need to create your own economic stimulus. You need to save yourself, because Big Government can’t.

Saving Yourself

I can teach you to plan for an abundant retirement.

The folks who followed my Missed Fortune teachings didn’t lose a dime in 2008, when most Americans lost 30 to 40 percent of the values of their IRAs and 401ks.

Their retirement accounts are up 50 percent from four years ago and double what they were 10 years ago. Most Americans still don’t have what they had 10 years ago.

They used safe, conservative strategies that maintain liquidity, safety of principle and a rate of return greater than inflation or taxes.

Taxes are going up. The dollar will be worth less. Now is the time to start converting those IRAs and 401ks into safer plans.

Meet with a Missed Fortune advisor to get started planning your future.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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Taxes Shouldn’t Deter Growth

October 24, 2010

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 Taxes Shouldnt Deter GrowthThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, October 26th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “True Wealth Optimization.” You’ll learn about the IRA and 401k dilemma, equity management and pick the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Patch the Alternative Minimum Tax

Fox News recently reported that taxpayers are anxiously awaiting the annual patch to the Alternative Minimum Tax.

If Congress can’t or won’t adjust it, as many as 25 million taxpayers may see their tax liability rise by $3,000 to $5,000, according to H & R Block.

Originally, anyone who made over $200,000 — a high income 30 years ago — had to calculate his taxes differently. After deductions, they paid the Alternative Minimum Tax, and it basically meant larger tax payments for the wealthy.

Unlike most other income tax rates, the Alternative Minimum Tax was never indexed to inflation. Since 1982, it has become a parallel tax system and a critical element for funding the government.

$200,000 is no longer a small fortune. It covered more than 4 million high-income taxpayers in 2009, according to the Congressional Budget Office.

If Congress doesn’t fix it, the primary victims will be middle-class taxpayers.

Uncle Sam should reward, not penalize, people for saving and investing. Yes, it’s our civic responsibility to pay taxes to fund things that benefit all of us. But we shouldn’t be taxed to the point that it deters growth.

In my e-book “Create Your Own Economic Stimulus Plan: Save Yourself Because Big Government Can’t,” I can teach you how to stimulate your personal economy. If we all followed these ideas, it’d make a bigger difference than all of that money we just added to the National Debt.

Don’t Defer Taxes

On what would you rather pay taxes: the seeds or the sale of the full harvest?

You’re paying tax on the sale of the full harvest when you use IRAs and 401ks. If you save $1 million in an IRA or 401k, Uncle Sam will take a third when you withdraw it.

You pay tax on the seeds — and none on the gain — when you use a Roth IRA. It’s a step in the right direction, but there are still better ways.

I recommend converting those IRAs and 401ks into safer, more secure vehicles that have better liquidity, safety of principle and rate of return.

These methods have been tax-free for 96 years. If inflation hits, it will help you, not hinder you.

A dollar, doubling every period for 20 periods, will top $1 million in a tax-free environment, but it’ll only be worth $27,000 if it’s taxed as earned.

I can help you create your own economic stimulus. I can help you reach what I call “The Land of Peace and Abundance.”

Meet with a Missed Fortune advisor to get started planning your future.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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We Cut Back, But Government Doesn’t

October 17, 2010

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 We Cut Back, But Government DoesntThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, October 19th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “True Asset and Wealth Optimization.” You’ll learn how to pick the right investments for liquidity, safety, rate of return and tax benefits.

Click Here to Register Now

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Cut Back or Earn More

Middle-class Americans are playing it pretty smart right now. They’re not spending money they don’t have.

Since the recession began, Americans have cut their spending deeper than ever before, according to the Wall Street Journal. They’re buying less of everything except food.

Food prices are going up. The government says there’s no inflation, but consumers see it. Inflation hurts the poorest most, because they don’t have much wiggle room for spending.

While Americans cut back and sacrifice, our treasury secretary says the government hasn’t spent enough.

Our National Debt has grown from $11.7 trillion in January 2009 to over $13.5 trillion today. I’ve never seen the government successfully spend its way out of a recession, but they keep trying.

Protect Yourself

Taxes are going up. If the Bush tax cuts expire, it’ll amount to the biggest tax increase since they began the U.S. income tax.

Because of all of this deficit spending, most Americans will find themselves in 50 to 60 percent tax brackets in the next 10 to 15 years.

I can show you how to accumulate money tax-free, not tax-deferred or tax-as-earned. Every million you earn can generate $70,000 to $80,000 for retirement and you’ll never outlive it.

We spend so much time teaching kids how to make a living but we don’t teach them what to do with it. The average 35 year old has a net worth of $35,000. Your money should be earning more than you do by age 32.

In my Missed Fortune webinar, I teach the 31 Flavors of Missed Fortune. Even changing two or three can mean an extra million in your nest egg earning money for your retirement.

I discourage people from using short-term investments for long-range goals and vice versa.

I address retirement planning, home management and the quickest and safest ways to get out of debt. I show people how to avoid the wrong investment strategies, like timing the market and relying on commodities.

The sooner you start avoiding these blunders, the sooner you’ll be on your way to a more abundant tomorrow.

Meet with a Missed Fortune advisor to get started planning your future.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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Will You Have Enough to Retire?

September 26, 2010

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 Will You Have Enough to Retire?This week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, September 28th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “Mr. Tax to the Max Versus Mrs. I Have a Lot More.” You’ll learn the difference between using traditional accounts and advice and then outliving your retirement, as opposed to what the top 5 percent of Americans do to reach “the land of peace and abundance.”

Click Here to Register Now

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Savings Dangers & Blunders

According to a new study, Americans are $6.6 trillion short of what they need to retire. Declining stock and housing values have squeezed savings.

Boston College’s Center for Retirement Research said they reached that $6.6 trillion figure using “conservative assumptions,” such as a 3 percent return rate on assets or no further cuts in pension coverage. That’s just not realistic.

Say you bought and held a random assortment of stocks and mutual funds from 1990 to 2001. You could have made, on average, 12.9 percent.

But how much did the average American earn during the most aggressive upswing in market history? 2.9 percent.

Most Americans buy and sell at the wrong times. One of the biggest blunders they make is using short-term investments for long-range goals. They put their money in accounts yielding 1 to 3 percent interest only to be ravaged by inflation and taxes down the road.

Most Americans lost 30 to 40 percent of the value of their IRAs and 401ks in 2008 and still haven’t recouped their losses. It doesn’t have to be this way.

Make Your Savings Earn More

There are people using indexing strategies who didn’t lose a dime in 2008 and locked in gains of 16 percent in 2009.

Most people using Missed Fortune strategies are up 50 percent from where they were four or five years ago. That’s without adding more money themselves — and it’s tax free.

When you save for the future, consider what that future may look like. Most people will not be in a lower tax bracket when they retire. Taxes will go up and inflation is coming.

If you try to bulk up your retirement funds, don’t choose a vehicle that will be taxed to the max later. You could outlive your savings.

Consider that, at 5 percent inflation, the cost of living doubles every 15 years. If your nest egg generates $6,000 a month in income, it will only buy $3,000 worth of goods and services 15 years from now. In 30 years, it’s down to $1,500.

You don’t have to lose sleep while our elected leaders quarrel over the Bush tax cuts. You can rest easy using sound strategies such as indexing and maximum-funded insurance contracts.

Meet with a Missed Fortune advisor to get started planning your future.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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Protect Your Money Through Indexing & Hedging

September 12, 2010

Podcast: Download (23.0MB)

missed fortune super blog itunes 150x150 Protect Your Money Through Indexing & HedgingThis week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, September 14th at 11:00 a.m. pacific (12:00 p.m. mountain, 1:00 p.m. central, 2:00 p.m. eastern), and again at 6:30 p.m. pacific (7:30 mountain, 8:30 central, 9:30 eastern).

The topic is “True Asset Optimization: How to Choose the Right Investments.” You’ll learn how to maintain liquidity and guarantee safety of principal while earning a healthy, tax-free rate of return that outpaces inflation.

Register now by calling 1-888-76-Radio (888-767-2346). If operators are busy, please call again.

All attendees receive a bonus hardcover copy of Last Chance Millionaire, Doug Andrew’s New York Times best-selling book.

Why Put Your Hard-Earned Money at Risk?

Today’s economy is more unstable than it has ever been in recent years. The old financial rules tell investors to ride the ups and downs of the markets, capitalizing on the gains.

But this model for investment has left most Americans feeling deep losses.

In 2008 alone, the majority of Americans with IRAs and 401(k)s lost 31% of their principal investment.

In order for Americans to recover from this crisis, the market would have to gain 50% just for them to break even.

With the world economy in the state that it’s in now, it just doesn’t make sense to expose yourself to gargantuan losses. Why put your money at risk, when there are safer options?

Those utilizing Missed Fortune strategies have been able to lock in gains, keep their money in a tax free vehicle, and guarantee returns.

401(k)s and IRAs are not the safest ways to earn returns on your serious cash. Whether you are saving $25 a paycheck for your children’s college tuition, or have a $10 million endowment, your serious cash needs a safe, tax-free place to grow.

Here’s how you do it:

Indexing & Hedging

Many people are shocked to find out that I’ve never had a 401(k). They are even more shocked when I tell them that my serious cash has earned 16% in 2008 and 15% in 2009, –despite being two of the most volatile years for the market.

The next question they ask is, “How?”

Indexing allows you to guarantee returns on whatever the S&P is doing, while hedging against the losses. If the market goes up 5%, you get 5%. If the market goes up 10%, you get 10% towards your principle.

This strategy is far more profitable than “riding the market waves,” because your principal is guarded against any losses, yet guaranteed returns when the market gains.

By allowing the institution to take the interest and buy options or invest, the institution, in return, provides 100% protection for your principle.

Remember,  indexing and hedging :

  • help your money to inflate, guarding your money against inflation
  • allow you to access your money penalty-free
  • enable you to accumulate your money tax-free
  • ensure that your money will transfer to your heirs tax-free

Who wants to be worried about market losses, or spend their spare time  glued to the Wall Street Journal?

Most Americans don’t want a management-intensive investment scheme. With these proven strategies, you don’t have to worry about when to buy or when to sell.

Meet with a Missed Fortune advisor to learn about securing your financial future with indexing & hedging today.

Bonus Missed Fortune E-Book: Baby Boomer Blunders

The average Baby Boomer has less than $50,000 accumulated for retirement (which means many have less than that), primarily due to bad habits and having money invested in the wrong places where economic downturns can diminish their nest egg.

Download this e-book now at www.babyboomerblunders.com.

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