Some days have evolved into being widely celebrated while others are just regular days even though they were once traditional holidays.  Boxing Day, the day after Christmas, is one of those days.  Once widely celebrated, it is mostly forgotten today. But dating from the early 13th century a “Poor Box” was opened and distributions were …

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Tengo frente a mí una ilustración de un Seguro de Vida Universal Index (IUL…Index Universal Life). Un prospecto nos la envió porque su agente le prometió que podría recibir $31,000 cada año para el retiro por el resto de su vida si él paga un total de $183,000 en primas durante los próximos veinte años. …

Continue reading “COMPRAR UN INDEX UNIVERSAL LIFE ES ARRIESGADO… ¡BASTA CON VER LA CORRECIÓN DEL MERCADO ESTE MES!”

My dad died on January 1, 2016. And Mom lost the income that came from his pension.  She also lost her Social Security but was able to continue receiving Dad’s. Even so, $1,100 and some odd change each month isn’t enough to live on.  And that is why as a married woman, you need to …

Continue reading “Why Life Insurance is So Important for Married Women”

IUL is no way to get great guarantees on your money. If want to help your friend, you might be able to pay them the commission they would have earned if you bought the policy from them, and still come out ahead! 😳 IUL is a hybrid insurance product based on term insurance where the cost …

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In front of me is an Index Universal Life Insurance (IUL) illustration.  A prospect emailed it to us because his agent had promised he could receive $31,000 a year in retirement income annually for the rest of his life if he would pay a total of $183,000 in premium over the next twenty years. Here …

Continue reading “Universal Life Insurance is a Risky Purchase… just look at the Market Correction this Month!”

Over $5,700 per household, that’s the new average for credit card debt in this country.  And the average rate of interest being charged for that credit card debt is now 17.14%!  But credit card debt doesn’t even cast a shadow compared to student loan debt.  Debt incurred for an education has now surmounted to $1.5 …

Continue reading “Interest You Earn Is Weightier Than Interest You Save”

13 years ago we came home to Robbers in our House. What we learned, would change our Life and Financial Thinking forever It was a dark, drizzling dreary November evening 13 years ago, when we came home to Robbers in our house!👺 They got away with many things…some which you can never replace. The cleanup …

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Imagine you are earning a 5% rate of return on an investment where you contribute $1,000 a month over a thirty-year period of time.  After you pay your 0.5% management fee you’ve lost 9.02% of your earnings even though you only paid 5.63% of your earnings towards the management fee.  If your management fee was …

Continue reading “Ignore Most Financial Advice and You’ll Keep More Money”

The Federal Reserve is at it again.  Raising interest rates, as if they have some crystal ball that tells them what only God could know, what is a fair and authentic interest rate. Here’s the crux of the matter.  The U.S. monetary system depends on deposits, loans, and interest to fuel it.  If the Fed …

Continue reading “Your Retirement Plan Is Getting Shoved Around again, but here is How You Can Prevent It”

La Reserva Federal está en lo suyo una vez más. Aumentando las tasas de interés, como si tuvieran una bola de cristal que les diera la respuesta a cuál es la tasa de interés más justa y autentica, pretendiendo saber solo lo que Dios puede saber. Este es el meollo del asunto. El sistema monetario …

Continue reading “Tu plan de retiro esta en riesgo de verse afectado una vez más, pero aquí te decimos como puedes prevenirlo.”