From the category archives:

Equity Management

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)

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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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)

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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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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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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The Power of OPM: How to Leverage Debt Safely & Wisely

January 10, 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, January 12th 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 “Successful Equity Management.” You’ll learn how to maintain liquidity and 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.

Investors Losing Big with Small Returns

The New York Times recently published an article entitled “At Tiny Rates, Saving Money Costs Investors,” which reports that “millions of Americans are paying a high price for a safe place to put their money: extremely low interest rates on savings accounts and certificates of deposit.”

This is particularly detrimental to the elderly and others on fixed incomes. As the article reports:

“Indeed, after fees are subtracted, inflation is accounted for and taxes are paid, many investors in C.D.’s, government bonds and savings and money market accounts are losing money.”

Of course, the traditional financial services industry will tell you that people need to take higher risks to get better returns.

As the article states, “People who rely on income from such investments for support, however, are being forced to consider new options.”

Unfortunately, most of the options people are considering are misguided and damaging.

Missed Fortune, however, provides the best option: Maximum-funded, tax-advantaged life insurance contracts which provide liquidity, guarantee safety of principle, while still producing a healthy rate of return that outpaces inflation.

Furthermore, with the right equity management strategies many elderly and Baby Boomers can discover financial security with their existing assets.

The Power of Equity Management

While people scramble to recover from the recession and explore new ways to build their retirement funds, many of them are sitting on the answer, but are completely unaware.

That answer is home equity.

Before the recession there was $19 trillion dollars of residential real estate, with about $10 trillion sitting as idle equity and no loans attached. After the recession that dropped to about $17 trillion, with at least $8 trillion unencumbered.

About 60% of this total belongs to Baby Boomers, which represents $4.8 trillion in lazy, idle equity.

However, many people are fearful to leverage equity because they think it increases their risk. While this can be true in certain circumstances, Missed Fortune provides a way for you to decrease your risk by leveraging your equity.

It’s exactly how banks operate. If we could educate more Americans to do this we could turn the economy around without federal stimulus spending.

Register now for our next webinar to learn how to become your own bank and borrow to conserve, not consume. You’ll learn how to safely leverage your home equity, maintain liquidity, and increase your rates of return.

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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