From the category archives:

Liquidity

31 FLAVORS to Create an Abundant Retirement

July 25, 2010

Podcast: Download (22.9MB)

This week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, July 27th 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%, plan to tell other investors to avoid their advisor.

Only 2% 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:

Choose tax-free investments instead of tax-deferred ones
Have liquidity so that you can access your money when you would like to
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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Avoid 10 Key Mistakes To Ensure A Fruitful Retirement

July 18, 2010

Podcast: Download (22.9MB)

This week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, July 20th 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.

Are You Prepared for the Problem of Long Life?

Many thoughts of long lives and long retirements are of vacation trips, no debt, and plenty of disposable cash on hand to be able to give to your children, grandchildren, favorite charity.

Sadly, for most Americans these remain only thoughts as growing percentage of Americans are outliving the money they have set aside for retirement.

They literally cannot afford a long life. Instead, they become financially depend on others.

It seems absurd that after working an average of 40 years in the richest nation in the world that only a very small percentage of people can afford a long retirement, but that is the reality.

The reasoning is simple. It is because 95 percent of people are investing the same way and making the same mistakes.

The IRA and the 401(k) are the most popular retirement strategies in the U.S. With these strategies people are hoping to grow their investments and postpone taxes until they fall into a lower tax bracket because they are earning less.

This concept is riddled with problems. Most notable is that hopes of being in a lower tax bracket will not be realized because even though there is less income, there are often less deductions as well.

That, mixed with the fact that congress is continually raising taxes, means if anything people should expect higher taxes.

Other people follow the financial advice that paying off all debt will create financial independence.

These strategies implore people to send extra principle payments into their mortgage companies to alleviate themselves of any debt.

This strategy has caused many people to ultimately lose their homes because they lacked liquidity so when the economy dropped they couldn’t even afford to make the scheduled payments.

How Can You Protect Yourself & Afford a Long Retirement?

In order to protect against the common mistakes people are making in retirement planner, it is first necessary to know what these mistakes are.

There are ten mistakes I detail in my e-book, Baby Boomer Blunders, which are as follows:

Short-term investments being used for long-term goals.
Thinking that you will only live, therefore need to budget, for 15-20 years of retirement.
Believing that paying off your home will give you peace of mind.
Believing that $100,000 to $400,000 will be enough of a nest egg to fund your retirement.
Thinking that you will be in a lower tax bracket when you retire.
Believing that deferring taxes on retirement funds saves you on your taxes.
Thinking IRAs and 401(k)s are the best way to fund your retirement.
Reaching retirement age and not drawing out retirement funds from IRAs and 401(k)s because you don’t need the money, instead of doing a strategic rollout.
Viewing retirement as a time when you can do all of the things you always wanted to.
Thinking retirement is the time to coast instead of keeping a purpose.

Meet with a Missed Fortune advisorand learn to avoid the baby boomer blunders and be introduced to the empowering 31 F.L.A.V.O.R.S. of missed fortune.

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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The $25,000 Mistake Made by Millions of Americans

April 25, 2010

Podcast: Download (23.0MB)

This week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, April 27th 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.

New Changes in Store for Retirement Planning?

The debate continues over how to best regulate the financial industry.

This should concern every American, because the results of the squabble could seriously affect all of us.

New decisions and new legislation could transform how we save for retirement and how long our money lasts during retirement.

It could mean costly bailouts that we’ll have to pay for in higher taxes. Or it could also mean complete overhauls that change the rules of retirement vehicles as we’ve known them.

Your retirement funds have never been in more danger than they are right now.

You need to save in vehicles that give you tax-free growth, tax-free access, tax-free withdrawal, and tax-free transfer to heirs.

Don’t leave your future up to squabbling politicians. Take things into your own hands now to transfer your retirement funds into these vehicles.

The Quickest & Safest Way to Pay Off Your Mortgage

I once met with three finance professors at a respected university. They told me that the best way to pay off one’s home is through a 15-year mortgage.

As they said, it saves interest, and once you’ve paid off your home you can set aside what you were paying to your mortgage company and get interest working for you.

In a few minutes, I rocked their world by showing them how, on a $150,000 mortgage, that was a $25,000 mistake.

Instead of a 15-year mortgage, get a 30-year and pay the difference into a conservative side fund.

In 13 and a half years, you’ll have enough money to pay off your mortgage. At the end of 15 years, there would be enough to pay off the mortgage — and you’d have $25,000 left over.

The quickest and smartest way to get out of debt isn’t to send extra payments to the mortgage company. It’s to maintain liquidity and grow a side fund that can be used to pay off your mortgage any time you want.

Meet with a Missed Fortune advisor to learn more details.

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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The 31 FLAVORS of Missed Fortune

April 8, 2010

“FLAVORS” stands for “Fortunes Lost Amid Valid Optimization & Reallocation Strategies.”

The following are the 31 most common ways we see people losing money. Read them to consider where you may be losing, then meet with a Missed Fortune advisor to plug the holes.

Retirement Planning (choosing the wrong investments):

1. Using short-term investments for long-range goals and long-term investments for short-range goals

2. Putting money in “crawl” investments such as CDs and Money Markets

3. Putting money in “walk” investments such as annuities

4. Thinking that IRAs and 401(k)s are the best way to save for retirement

5. Postponing qualified plan distributions until age 70½ and/or taking minimum distributions

6. Not employing one of your greatest assets—home equity via a reverse mortgage

Your Home and Other Real Estate:

7. Not employing the lazy, idle dollars trapped in your home and other real estate

8. Sending extra principal payments against your mortgage

9. Paying large cash down payments when acquiring real estate

10. Paying unnecessary capital gains when selling rental income real estate

11. Not realizing that you can buy property without down payments or credit.

12. Renting your residence instead of owning (buying) it

Tax Planning (paying unnecessary tax):

13. Not claiming enough withholding W-4 allowances (to get bigger tax refunds)

14. Not maximizing tax deductions and itemizing them on your tax return

15. Not understanding the huge difference between tax-deferred and tax-free growth on savings and investments

Asset Management (choosing the wrong strategies):

16. Trying to time the market (thus buying and selling at the wrong times because of emotion)

17. Relying on the purchase of commodity products rather than employing proven investment strategies

18. Not maintaining liquidity with all assets (the ability to get your money when you need it)

19. Not keeping your principal safe (protecting yourself from potential loss of principal)

20. Not earning a rate of return greater than taxes and inflation, and the cost of those funds

21. Not fully understanding the power of compound interest

22. Locking up serious cash in gold and other precious metals

Risk Management and Insurance:

23. Not funding your life insurance properly or using insurance for superior capital accumulation

24. Not letting Uncle Sam pay for your life insurance (by redirecting otherwise payable income tax)

25. Not structuring your health insurance for optimum efficiency with the proper deductibles

26. Not structuring your auto and homeowners insurance efficiently with the proper deductibles

27. Not understanding safe, positive leverage (the ability to own and control assets with very little or none of your own money at risk or tied up in the asset)

Credit and Debt Management:

28. Not maintaining your credit score at 720 or higher

29. Paying off debt (including your mortgage and student loans) the wrong way

Estate Planning:

30. Having too much liability exposure and losing hard-earned assets to losses and frivolous suits

31. Not eliminating or reducing unnecessary estate tax through the use of trusts and life insurance

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Cash Returns, But Prudent Debt Still Good

April 6, 2010

Since the economic crisis hit, we’ve all seen America go on a credit diet.

Commercial and industrial lending has declined 19 percent since fall of 2008, according to a recent Newsweek article.

Consumer lending has likewise decreased, with banks and credit cards diminishing or cutting off lending nationwide.

For the first time in a long time, America is remembering what it’s like to deal in cash.

Newsweek reported,

“Just as families are paying down credit-card debt and building up cash reserves, businesses large and small are learning to operate in an environment where cash once again is king….

“The real discipline of cash may be that it causes executives, consumers, and investors to think twice—and to think about the long-term consequences—before spending. The need for instant gratification is part of what created the current mess.”

But even in this era of better self-control and smarter spending that cash has helped restore, it’s important to realize that there is still indeed “good debt.”

If we borrow to conserve, not consume, we are doing what banks have always done (and continue to do even now)—using Other People’s Money to make money.

We can continue to use that same principle of arbitrage to prudently save for our own retirement.

By optimizing your assets, you can borrow at one rate to earn at a slightly higher rate, and benefit not only yourself, but also your family, your community, your favorite charities, and ultimately, your heirs.

And by investing your serious money in safe retirement savings vehicles, it’s possible to maintain liquidity—which is what today’s cash-conscious are focused on.

What’s more, by properly structuring these vehicles, you get the added benefit of tax-advantaged saving.

Find out how to use maximum-funded tax-advantaged insurance contracts to protect your financial future. Borrow wisely to conserve, not consume.

And live in a world where better spending decisions can create a better life, for everyone.

Isn’t It Time You Became Wealthy?

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The Folly of “Long-Haul” Advisors

April 4, 2010

Podcast: Download (23.0MB)

This week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, April 6th 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 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.

“You’re In It For The Long Haul”: A Lame Excuse For Poor Performance

Many financial professionals have been saying in various media sources that we’re in a market recovery.

This latest “I told you so” rally is intended to prove that if people would just listen to them and wait out market downturns, everything turns out all right.

They point out that if people would have just “hung in there,” they would have received a 43% return since September 2008.

But let’s analyze this to see what’s really going on. We’ll compare this traditional advice to the Missed Fortune strategies.

Suppose you had $100,000 invested in the market at the beginning of 2007. Most people received an 8 percent return in 2007, which means that you would have ended the year with $108,000.

But in 2008, most Americans lost 31 percent of their investments. Your $108,000 would have dropped $33,480 to a balance of $74,520 by the end of 2008.

Now, following the “You’re in it for the long haul” advice, you keep your money invested in the market.

Assuming the traditional advisors are right and you would have earned a 43 percent return in 2009, you would have gained about $32,000, for a final balance of $106,563.

When you average out that three-year period, it comes to about a 2 percent average rate of return.

Now consider what you would have experienced had you followed the Missed Fortune advice instead.

You start with $100,000. In 2007 you would have earned 8 percent, for the same ending balance of $108,000.

However, in 2008 you would not have lost a dime — you’d still be left with $108,000.

In 2009 you would have made a 16 percent rate of return. This would put your balance up to $125,290.

Bottom line: Following the Missed Fortune strategies instead of traditional strategies would have made you an additional $18,727 in the same three-year period.

What’s more, in these first few months of 2010 our clients have already locked in another 16 percent, so in this example the account balance would now be up to $143,324.

But it gets even better than this. Why? Because you need to factor in taxes to the equation.

Following traditional advice, either this account would have been fully taxable, or at best tax-deferred.

But with Missed Fortune strategies, your accounts grow tax free and provide tax-free withdrawal.

So what’s it going to be for you? Poor and volatile returns with traditional advice, or steady and healthy returns with Missed Fortune?

Set up an appointment with a Missed Fortune advisor now to learn how to get off the traditional roller-coaster and onto the Missed Fortune gravy train.

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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Nobel Prize Promotes Global Socialism

March 21, 2010

Podcast: Download (23.0MB)

This week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, March 23rd 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 “Choosing 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.

The Underlying Motives of the Nobel Prize Committee

People across the world were befuddled when Barack Obama was awarded the Nobel Peace Prize last December. This was especially true since just before being awarded the prize, Obama escalated American troops in Afghanistan.

But the confusion is quickly made clear when we understand that the Nobel Prize Committee, and particularly chairman Thorbjørn Jagland, promotes global socialism.

In an article entitled Nobel Prize: Marxism Goes Mainstream in American Thinker, Stuart Schwartz says:

“Jagland loves Karl Marx. And he loves Barack Obama. In addition to heading the Nobel committee and the European Council, Jagland is a long-time leader of Socialist International, a worldwide organization of radical left groups and the occasional terrorist organization dedicated to establishing a world government that will rule through Marxist, collectivist principles. Its icons include Marx, Chairman Mao…and Castro.

“The major American affiliate of Jagland’s organization is Democratic Socialists of America (DSA)…Jagland sees a kindred spirit in an American president who has pledged a socialist blueprint to ‘transform America’…

Obama himself admitted he didn’t deserve the Nobel prize. But in socialist utopianism, recognition has nothing to do with actual achievement, nor does it have anything to do with logical consistency.

And the socialistic agenda which we’re bombarded with from political elites erodes your savings, causes inflation, and takes your freedoms.

More Foreclosures Ahead

Speaking of dangers to your personal finances due to the actions of so-called “leaders,” we can expect many more home foreclosures in the coming months.

The Los Angeles Times reported:

“Experts fear that a new wave of foreclosures will hit this year as prolonged unemployment makes it difficult for millions of homeowners to pay their mortgages — and many of them aren’t likely to get much help from a federal program aimed at keeping them in their houses.”

The New York Times reported:

“More than five million households are behind on their mortgages and risk foreclosure. The government’s $75 billion mortgage modification plan has helped only a small slice of them. Consumer advocates, economists and even some banking industry representatives say much more needs to be done.”

Many families facing foreclosure didn’t know successful equity optimization strategies that could have helped save them from foreclosure.

Do you know the best way to protect yourself from foreclosure is NOT necessarily to pay off your mortgage as quickly as possible?

Do you know how to take the idle equity in your home and put it to work so it can be safe, liquid and earn a rate of return?

Do you know how this could protect you in economic downturns?

Find out more, and find out now, so you can avoid future regrets.

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 Can You Count on Your Future Despite Ups & Downs?

March 9, 2010

When the Federal Reserve recently raised interest rates on money it loans to banks from .5 percent to .75 percent, many saw it as positive. A Los Angeles Times article said

“The willingness of policymakers to raise the discount rate is the latest sign that the economy is regaining its footing after falling into the worst financial debacle since the Great Depression.”

And The New York Times said

“The Federal Reserve on Feb. 18 raised interest rates, signaling its confidence in our economic recovery.”

But this news came within the same week unemployment claims unexpectedly went up. And at the same time millions who have already been receiving unemployment assistance are about to see their checks stop coming.

The ripple effect of this, according to the New York Times, is that

“Economists fear that the nascent recovery will leave more people behind than in past recessions, failing to create jobs in sufficient numbers to absorb the record-setting ranks of the long-term unemployed.

“Call them the new poor: people long accustomed to the comforts of middle-class life who are now relying on public assistance for the first time in their lives — potentially for years to come.”

At a time of uncertainty, it’s more important than ever to make your own financial future more certain. Take the lessons of these hard times and find out how to do the following:

Optimize your assets
Identify retirement savings vehicles that are tax-advantaged and provide liquidity, safety, and a healthy rate of return
Stop following the crowd and find a safer path to a more financially abundant life

There are a few things we can count on: Interest rates will rise and fall; the economy will always be cyclical; and overall, taxes will go up.

You should be able to count on your financial future. Find out how today.

Isn’t It Time You Became Wealthy?

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Global Warming is a Government Hoax to Steal Your Money

March 7, 2010

Podcast: Download (22.9MB)

This week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, March 9th 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 “Choosing 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 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.

Global Warming: Another Government Hoax that Threatens Your Finances

It’s becoming increasingly apparent that global warming is global criminal fraud by the government.

This is yet another force making your dollars worth less and your taxes go up.

Lawrence Solomon published an article in the Financial Post entitled “Enjoy the Warmth While it Lasts.” Contrary to what you’ll hear from mainstream media, he posits that global cooling is a much more likely scenario.

As he says:

“Thank your lucky stars to be alive on Earth at this time. Our planet is usually in a deep freeze. The last million years have cycled through Ice Ages that last about 100,000 years each, with warmer slivers of about 10,000 years in between.

“We are in-betweeners, and just barely — we live in (gasp!) year 10,000 or so after the end of the last ice age. But for our good fortune, we might have been born in the next Ice Age.

“…What a great time of technological and cultural advancement we’ve known, one of unprecedented prosperity, human longevity, and human comfort. For a brief period in the 1970s it appeared to some scientists that the climate that had abetted our prosperity had turned — this was the fear of global cooling that then made headlines. Though many now mock those fears of climate cooling, the scientists were eminent and the science was sound — after all, given Earth’s history through the eons, and the passage of 10,000 years since the last ice age, it was hardly outlandish to believe that time of warmth was up.”

Daniel Henninger, in Real Clear Politics, warns that the credibility of science is on the rocks:

“Surely there must have been serious men and women in the hard sciences who at some point worried that their colleagues in the global warming movement were putting at risk the credibility of everyone in science.”

He concludes with this chilling statement:

“If the new ethos is that ‘close-enough’ science is now sufficient to achieve political goals, serious scientists should be under no illusion that politicians will press-gang them into service for future agendas.”

In other words, we the people will pay dearly for the mistakes of “science.”

Protect Your Money

So what should you be doing? You should be protecting your money from taxes and inflation as much as possible.

And to help you choose the right investments, use the LSRR test:

Liquidity

Safety

Rate of Return

Most investments don’t pass these tests, which puts your hard-earned cash at risk.

Only one accumulation vehicle passes all three: maximum-funded, tax-advantaged life insurance contracts.

Meet with a Missed Fortune advisor to learn how to accumulate, access, and transfer your money tax-free.

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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Sorry, Big Banks, But Sorry Doesn’t Help Us

January 26, 2010

What You Can Do To Help Yourself

fatbankereatingpie Sorry, Big Banks, But Sorry Doesnt Help Us Well, they said they were sorry. In a roundabout way.

The big banks whose risky behavior helped usher in the Great Recession recently stepped up to the mic to apologize for their actions, although they justified their conduct as seeming “appropriate at the time.”

These banks received more than $100 billion in assistance from the government. Make that $100 billion from the American taxpayers.

To help make sure that money is not lost, the Obama administration has proposed a “Financial Responsibility Fee,” which will tax the 50 largest financial institutions until the debt is repaid.

Of course, that proposal is already being challenged by the financial industry.

While the fate of that $100 billion may be in question, that’s hardly where the questions end. What about your financial fate?

Where are the best places to entrust your own money so that it will be safe and liquid when you need to access it? How can you position your money so it earns a rate of return? How can you protect yourself from future tax hikes that will surely be necessary to pay for current spending?

Are 401(k)s or IRAs the best place for your money? What about Roths? Annuities? Stocks?

The only retirement savings vehicles that offer liquidity, safety and a rate of return — while still being tax-advantaged — are maximum-funded, tax-advantaged insurance contracts.

Find your answers. Protect yourself so you never have to lose again.

And take steps that will lead to financial security, so you won’t be hanging on lame apologies from industry — or government — aristocrats in the future.

Isn’t It Time You Became Wealthy?

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