From the category archives:

Mortgage

Setting Intentions for a Better Financial Future

January 29, 2012

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 Setting Intentions for a Better Financial FutureThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, January 31st 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.

Setting Intentions for a Better Financial Future

One of the great benefits a new year brings is the opportunity to improve our individual situation from the previous year.

Some people choose to seize that opportunity by setting goals pertaining to weight loss, stopping smoking, or accomplishing new ambitions.  The key to realizing a brighter future always hinges upon doing certain things different than they were done previously.  If we persist in doing things as they’ve always been done, we cannot expect to get a different result.

A good example of this can be found in how a person goes about taking ownership of their financial future.

Too many people have persisted in habits like following the crowd and continuing to put their retirement money into 401(k)s and IRAs where taxes are deferred.  They do this with some perceived future tax benefit in mind such as being in a lower tax bracket when they reach retirement.

They stubbornly keep their money in the market where it is most vulnerable to economic volatility and they ride out the ups and downs waiting for the market grow enough to regain their losses.

But the future reality they’re more likely to encounter will include higher taxes rates at the precise time that they have the fewest deductions to offset their liabilities.  It’s entirely possible that they’ll end up paying higher taxes than they did when they were earning more.

The past decade has been especially tough on those whose retirement nest egg lost, on average, nearly 40% of its value.

On the other hand, those people who are willing to make necessary changes in the way they do things will get different results than they did before.  For instance, thousands of Missed Fortune clients have learned how to use a strategic rollout to safely move their money from their 401(k) or IRA.

By doing this, they pay the applicable taxes today and then move those funds into a vehicle where their money accumulates tax-free from that day forward.

They learn to use indexing strategies that indirectly link their money to market performance in such a way that they don’t lose a dime when the market goes down yet they benefit from any upside immediately.   People who’ve implemented our indexing strategies sleep soundly at night with zero stress over what the market may be doing.

They’ve taken the time to learn and apply proven principles and they get very different results from when they were simply following the crowd.  This brings confidence in the future and peace of mind.

Three Things Investors Must Know

There are three critical components to a prudent investment.  When potential investments are lacking any one or more of them, you’d be wise to reconsider.

The three essential ingredients of a prudent investment, in order of importance, include:

  • Liquidity.  This is a primary concern whether it involves your serious cash that you’re earmarking for retirement.  In simple terms, liquidity means your money is accessible when you need it and isn’t tied up in your real estate, your IRA or anywhere else that you cannot get to it.
  • Safety.  The safety we’re looking for is not just of an institution, but also safety of principal.  It’s not enough to simply protect the principal that you invested initially.  In addition, any year that you make money, your gain should also become newly protected principal that also continues to grow tax-free.
  • Rate of Return.  A predictable, safe rate of return that is tax-free is the ideal.

These three ingredients combine to form the acronym LSRR (Laser) that is familiar to Missed Fortune clients everywhere.  In order to choose the best investments that pass the Laser test with flying colors, you need to understand how the various investments stack up.

The sad truth is that most of the popular investment strategies advocated by many advisors fail the Laser test miserably.  Liquidity, safety, and rate of return–in that order–are the hallmarks of a prudent investment.  If you have them, chances are that you’re watching your money grow safely year after year.

If you don’t yet have them, it’s time to visit with a Missed Fortune advisor and learn how to put them to work for you.

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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Ask the Right Questions To Get the Right Answers

December 11, 2011

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 Ask the Right Questions To Get the Right AnswersThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, December 13th 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.

Retirement Questions for Business Owners

Many business owners are feeling frustrated because of the economic uncertainty of the past 10 years.  The so-called “Lost Decade” has cost many folks nearly 40% of their retirement nest egg due to market volatility.

Following 9/11, the economy declined for 3 consecutive years before it started to regain traction.  By 2007 those with money in the market had begun to break even with where they were prior to September 2001.

Of course, in 2008 the market took another 40% drop and it was back to square one for those investors.

Business owners who were recently taught the Missed Fortune strategies were intrigued to see proof that investors who followed these indexing strategies throughout the Lost Decade actually doubled their money.  That’s quite a contrast to those who have been struggling to regain lost ground for the past 10 years.

When asked to elaborate on their frustrations, these business owners pointed first to the market volatility as a primary source of irritation.  They also pointed to concerns about taxes going up as well as the likely effects of inflation.

Next the business owners were asked how long this trend had been going on.  Some answered that they’d been staying the course in their IRAs or 401(k)s for 15-20 years at the behest of their CPA, attorney or other financial advisor.

One of the classic definitions of insanity is to do the same thing over and over while expecting a different result.

The third question asked of these business owners was what they had tried in order to remedy their situation.  Often they would reply that they tried to protect themselves and their money from further losses by putting it into a bank account that yielded 1% interest and where there was zero upside potential when the market grew.

Often they would dive right back into tax-deferred accounts again thinking that they’d see a return of the days of average 12% returns like their financial advisors spoke of in glowing terms.

But it hasn’t happened.  According to DALBAR, most people actually averaged 3.83% because they tended to buy & sell at the wrong times.  By contrast, the Missed Fortune indexing strategies have averaged around 8.2% percent rate of return in a safer, more conservative environment and it’s tax-free.

The next question for the business owners was “how much is this costing you?”

If the $100,000 you started out with could have grown to $500,000 but instead is sitting at just $200,000 thanks to taxes, inflation or market volatility, the missed opportunity has cost you $300,000.

The final question was, “if you go another year and you don’t change what you’re currently doing, how are you going to feel?”  This question cuts right to the heart of the matter because there are proven ways to grow your money safely regardless of what the economy is doing.

Missed Fortune strategies have a proven track record of eliminating the concerns and making this happen.

10 Lies About Money

Doug Andrews is currently collaborating with Tony Robbins on a book about the 10 greatest lies about money and finance.  Their goal is to help people take ownership of their financial future.

Among the top ten lies about money that people believe:

  1. Government knows best and will take care of us in the future.  The truth is that we always take better care of anything in which we take ownership.
  2. Putting money in tax-deferred investments using pre-tax dollars is the best way to save for retirement.  This is far from the best way to save for the future.
  3. You’ll be in a lower tax bracket in the future.  A lot of people who’ve built up a nest egg with tax-deferred funds have found out the hard way that Uncle Same takes a big bite the moment they start to withdraw that money.
  4. You can average a rate of return of 12% by putting your money in the market.  Actually, the average return for the past 12 years has only been 3.83%.
  5. Real estate investments & equity pass the Liquidity, Safety & Rate of Return (LASER) test.  This is not accomplished by sending extra principal payments to the mortgage company like so many advisors will tell you.
  6. You should buy term insurance and invest the difference.  Instead you can accumulate money tax-free and far outpace the buy-term-invest-the-difference approach.
  7. You can structure a life insurance contract to perform as a superior investment vehicle.  Unless the insurance contract is 100% structured correctly, you will fail in this strategy.
  8. You should buy and hold.  That myth simply hasn’t worked.
  9. Your IRA and 401(k) are your money.  Actually, 33-50% of that money belongs to the government in the form of taxes.
  10. Leverage or debt is bad.  By learning to become your own banker you can turn this lie on its head just as the thrivers of the world have done for generations.

Learn more about overcoming the pains of market volatility, higher taxes and inflation by meeting with a Missed Fortune advisor.

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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What You Should Know About the Next Decade

June 19, 2011

Podcast: Download (23.0MB)

missed fortune super blog itunes 150x150 What You Should Know About the Next DecadeThis week Doug Andrew discussed the following:

Upcoming Free Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, June 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 Next 10 Years Should Be Interesting

Where market uncertainty was a hallmark of the Lost Decade, the next 10 years have potential to be much more interesting.

Most Americans who lost money in their IRAs and 401(k)s over the past few years are just now starting to get back to where they were 10 years ago.

Now we’re facing a triple whammy of higher taxes, inflation and market volatility that could prove very challenging for those who fail to position their money properly.

People who’ve learned the Missed Fortune strategies and followed them, have predictably been able to double or nearly triple what they had 10 years ago. Not only did they do it during the biggest downturn since the Great Depression, they’ve done it tax free.

This is important because with the Bush tax cuts expiring in 2012 and the prospect of more tax hikes on the way, you’ll need all the tax protection you can get.

Government spending continues at a breakneck pace and Congress is looking to raise taxes to meet their funding needs. Taxes are going up. Count on it.

In addition to raising taxes, the printing of money to cover the payment of government obligations is setting the stage for increased inflation.

Social Security has a $63 trillion dollar deficit owing that it has promised to pay out to recipients in future benefits.

It’s time you knew what you don’t know about keeping your fortune from slipping through your fingers.

31 FLAVORS of How People Miss Out on Fortunes

FLAVORS is an acronym that stands for Fortunes Lost Amid Valid Optimization & Reallocation Strategies.

These are rules and strategies that even seasoned tax attorneys and accountants don’t know until they’re shown.

People miss out on fortunes because they choose short term investments for long range goals to fund their retirement.

They put their money into what are termed “crawl investments” that offer too low a rate of return compared to the rate of inflation. They miss out on money that could be made by linking their returns to those thing that inflate.

Some put money into “walking investments” where they place their money in retirement vehicles that are tax deferred rather than tax free. This means that they pay through the nose in taxes when they start to withdraw funds from their IRAs & 401(k)s.

If you understand how money works you can put the equity in your real estate to work to accumulate, over a 30 year period, a huge windfall for your retirement.

By empowering your wealth, you learn how money works, you employ a system of accountability and responsibility and you learn better ways to grow your money tax free.

Learn how to time the markets, how to do a strategic roll-out that protects your principal with a predictable rate of return that accumulates tax free. You can learn the power of compound interest and so much much more in the Missed Fortune strategies.

It won’t just benefit you, this knowledge will also bless your family when your fortune transfers to them when you’re gone.

Talk to a Missed Fortune advisor 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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Making the Tax Laws Work in Your Favor

May 1, 2011

Podcast: Download (23.0MB)

missed fortune super blog itunes 150x150 Making the Tax Laws Work in Your FavorThis week Doug Andrew discussed the following:

Upcoming Free Webinar

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

Higher Taxes-The Writing Is On the Wall

When the income tax code became a permanent part of our lives back in 1913, it was only around 400 pages.  It took until 1954 to grow to nearly 14,000 pages.

By 1974 it was 19,500 pages.  In 1986, tax reform simplified the tax code to two thick volumes of nearly 26,300 pages.  In 1995 it grew to 40,500 pages.

Today it’s 72,536 pages of tax rules.

Our current tax system punishes people for saving and investing.  We should be rewarding people for taking ownership of their future.  But the congressional revenuers just doesn’t seem to get it.

A dollar that doubles every period for 20 periods can grow to nearly a million dollars if it’s tax free.  If it’s tax deferred it’s only worth about $666,000.  The rest is eaten up by taxes.

The Congressional Budget Office estimates that by 2050 the average middle income American will be paying 50-60 percent of their income to taxation.

You want a strategy where your money accumulates tax free.  But if it’s taxed as earned you pay an average of 1/3 of it in taxes depending upon your tax bracket.

By the time we hit 2016 or 2017 our national debt may have doubled again, so it’s a safe bet that taxes will be going up.

Now is the time to implement a strategy where your money not only accumulates tax free but stays tax free when you go to access it.

Better Strategies to Keep More of Your Money in Your Pocket

There are grandfathered sections of the Internal Revenue Code that have been around for a lot longer than the sections governing IRAs and 401(k)s.  These sections actually give you protection from high taxes.

With the strategies we teach, you’ll learn how to be protected when the economy goes down so you don’t lose money, and during those years when the economy is growing you earn up to 15%.

If you used the indexed tax free insurance contracts that we teach you how to use, you’d have doubled your money, tax free, in the past 10 years.

Your money accumulates tax free, you can access it tax free for gain or for retirement, and when you pass away it blossoms and transfers to your heirs tax free.

This is like a secret to many tax attorneys and accountants who haven’t been taught these strategies.

The three greatest dangers we face are taxes going up, inflation and market uncertainty.

The Bush tax cuts are expiring and tax increases are on the way.  But we still have a small window in which to act.

Inflation is going to go up.  The cost of living will rise.  But inflation can actually help you when you link your returns to those things that inflate when we experience inflation.

The third danger is market uncertainty and volatility but we can show you how to protect your money when the economy goes down and to start growing again at the exact instant it begins to go back up.

Great opportunities are available right now by repositioning your retirement funds that are trapped in tax-deferred vehicles and into something that will be tax free from this day forward.

You’ll need to link your returns, from this day forward, to things that inflate so that inflation actually helps you.

You also need to reposition your money to participate in any upside potential in the market with no downside if the market declines.  But now is the time to get into motion.

IRAs and 401(k)s are not the best way to save for retirement.  Sending extra mortgage payments to the mortgage company is not the best way to get out of debt.  And putting your hard earned money at risk in the market is not the safest way to accumulate wealth.

There are time-proven, better ways and you can make them yours by contacting a Missed Fortune advisor.

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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10 Common Blunders that May Be Jeopardizing Your Retirement

September 5, 2010

Podcast: Download (22.9MB)

missed fortune super blog itunes 150x150 10 Common Blunders that May Be Jeopardizing Your RetirementThis week Doug Andrew discussed the following:

Upcoming Complimentary Webinar

Attend our free 90-minute webinar live over the Internet this coming Tuesday, September 7th 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.

Is Your Retirement in Jeopardy?

Baby Boomers are facing some of the most formidable economic obstacles of this generation.

Statistics show that over 50% of all Baby Boomers will outlive their retirement fund. They must rely on social security, charity, or their children in their golden years.

95% of Americans are following the same old financial advice and find themselves in financial trouble when they retire. Many will find themselves lucky to have a nest egg that will last as long as they do.

Only the top 5% will have enough accumulated to be not only financially independent, but financially free!

There are 10 common blunders Baby Boomers consistently make:

Blunder #1

Using short-term investments such as CDs and money market accounts for long-term financial goals.

Reality: These investment choices have low returns and are taxed as earned.

Blunder #2

Thinking you will only have 15-20 years to provide for yourself after retirement.

Reality: There are more people living up to age 95 and beyond now than ever before. Smart investors will plan for the long haul.

Blunder #3

Believing that paying off your home will give you “peace of mind” and financial freedom.

Reality: Most people don’t realize their house is one of the biggest vehicles to becoming financially free and independent.

Blunder #4

Hoping a $100,000-$300,000 nest egg will be enough for retirement.

Reality: You will need at least a 1 million dollar nest egg to be able to generate a livable income when you retire.

Blunder #5

Mistakenly believing that you will be in a lower tax bracket when you retire than when you were working.

Reality: Most people find that they are in a higher tax bracket because they no longer: have dependents, pay a house note, or are contributing to their IRA or 401(k).

Blunder #6

Deferring taxes on a retirement fund.

Reality: Deferring taxes postpones the inevitable and compounds the amount you will have to pay.

Blunder #7

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

Reality: There are better ways to invest your money, tax free & penalty free. You can receive 50%-100% more on your returns.

Blunder #8

Leaving your money in your 401(k) or IRA when you reach retirement age.

Reality: The best move is to take your money out and reposition it where it can be tax free and remain tax-free.

Blunder #9

Viewing retirement as the time where you can “do all the things you’ve ever wanted to do.”

Reality: Don’t put off until tomorrow what you can do today. Why not live the life you’ve envisioned right now?

Blunder #10

Thinking that retirement is the time to “coast.”

Reality: Having a purpose, living a life of usefulness, and being financially free are the keys to longevity and fullness of life.

If you have made or are making any of these mistakes, just remember that it’s never too late to change your financial future.

Meet with a Missed Fortune Advisor to find out how to be in the top 5% of those who live a life of freedom and abundance.

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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Your Next Home: Rent or Buy?

April 27, 2010

In this frustrated economy, is buying or renting a home better?

A recent New York Times article examined the issue, suggesting readers make the decision using the “rent ratio”:

“A simple way to do the comparison is to look at something called the rent ratio: the purchase price of a house divided by the annual cost of renting a similar one.

The number 20 provides a useful rule of thumb. When you do the math, you discover that a ratio above 20 means you should at least consider renting, especially if you may move again in the next five years or so. When the ratio is well below 20, the case for buying becomes a lot stronger.”

The article went on to note that areas like New York and Los Angeles have recently gone from rent ratios of 25 to 16, so more families are considering purchasing homes in those cities than before.

But there’s more to the decision than just rent ratios.

What many traditional real estate and financial advisors don’t understand is that your home can be more than a roof over your head – it can help provide for your retirement.

Your home’s equity can be separated out and leveraged for long-term savings in a safe, liquid environment with a rate of return. And this process can happen again and again as your equity increases.

By placing the money from your home’s equity in maximum-funded, tax-advantaged life insurance contracts, you can safely prepare for your retirement with clarity and confidence.

And in an economy like this, clarity and confidence can be hard to come by.

Make sure to consider all the advantages of buying a home – beyond just a low rent ratio. And find out more about maximizing your assets and protecting yourself in otherwise uncertain times.

Isn’t it time you became wealthy?

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The $25,000 Mistake Made by Millions of Americans

April 25, 2010

Podcast: Download (23.0MB)

missed fortune super blog itunes 150x150 The $25,000 Mistake Made by Millions of AmericansThis 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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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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Nobel Prize Promotes Global Socialism

March 21, 2010

Podcast: Download (23.0MB)

missed fortune super blog itunes 150x150 Nobel Prize Promotes Global SocialismThis 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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More Foreclosures Ahead

March 16, 2010

Why They Wish They’d Known What They Didn’t Know

The nation’s economic crisis has affected people’s lives in countless ways – even threatening the roofs over their head.

While millions of families faced foreclosure last year, recent articles reveal that economic experts are predicting continued foreclosures this year:

“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 Los Angeles Times

“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.” –The New York Times

It’s true in life that often “we don’t know what we don’t know.” And it’s probably safe to assume many families facing foreclosure didn’t know successful equity optimization strategies that could have helped save them from foreclosure.

Do you know what you don’t know?

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.

Isn’t It Time You Became Wealthy?

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