…until you hear this. There is no question – paying off a mortgage early saves interest. But what will you be losing by paying off your mortgage early? It’s called Lost Opportunity. If you can simply earn 1.4% on the extra mortgage payments required to payoff a mortgage at 3.75% APR over 15 years rather …

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“Diversification,” according to Warren Buffet, “is protection against ignorance. It makes little sense for those who know what they’re doing.”  This is because diversification for most financial planners and investors merely means spreading your equity across multiple asset classes in hopes of avoiding correlated losses from occurring all at the same time.  But does it …

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Queen was almost prophetic with their song… many Americans are biting the dust financially because they depended on financial planners who didn’t know the future. Of course the responsibility to take care of these people doesn’t fall on the financial planner, but rather on the client’s own children. This leads to the sandwich generation, people …

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Residual income is commonly confused with passive income. Although the two terms are often used interchangeably there are some important technical differences. Some people find it easier to think of residual income as cash flow. Whether you are working in Personal or Corporate Finance, a strong residual income is highly desired, because it is an …

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“Horrible Consequences the Financial Services Industry Has Planned for Your Retirement” “How do you think I’m going to get along…you took me for everything that I had and kicked me out on my own.” These are lyrics from the hit song by Queen but could just as easily be the words of millions of Americans …

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Velocity Banking is known by many different names among which are, the HELOC Strategy, the Australian Mortgage and the Mortgage Accelerator System. Basically it’s a system which claims to help you pay off your mortgage faster. Names aside, what are the fundamentals of Velocity Banking? Does it work? Is it safe? Should you try it?… …

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How to Build Sustainable Wealth Personal property is a key to capitalism and freedom.  Without protection of your personal property the world would become an unsafe place to live with “each man for himself”.  Without the right to protect your personal property it wouldn’t take long for us to be back in the stone age …

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Many people will say a picture is worth a thousand words… but that’s likely because they have never read a well written book, or listened to a great speaker. Krish Dhanam, a professional speaker who has spoken in 75 different countries across 6 different continents, has recently written two new books: Missives Mottos & Maxims, …

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You’ve heard it over and over again – start saving for retirement as soon as you can. Most people aim to retire by the age of 65, but the truth is the ability to retire isn’t determined by your age. Many strive to create an attainable pathway to a comfortable retirement but being able to …

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Depending on your state, open enrollment for health insurance runs from November 1st through December 15th.  Guest, Jesse Cheng from Take Command Health joins the show to share about using QSEHRAs (Qualified Small Employer Health Reimbursement Arrangements) and ICHRAs (Individual Coverage Health Reimbursement Arrangements) to provide tax-deductible benefits to employees in 2021 rather than trying …

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