As if the c-virus hasn’t been destructive enough to the United States economy, mysterious seeds are now being mass mailed to US mailing addresses directly from China.  Nobody knows what these seeds will sprout and grow into, but one thing is known for sure, the seeds were never ordered by those who have received them …

Continue reading “Money: The Seed of Opportunity or Destruction”

CARES Act Impact on Retirement Plans and Your Once in a Lifetime Chance With high unemployment rates in the U.S., individuals are seeking access to savings accounts to sustain their family and/or business during the pandemic. Many are turning to their 401(k) retirement accounts as a financial safety net. Thanks to the CARES Act, many …

Continue reading “Avoid the 401K Withdrawal Tax Under the CARES Act”

Nelson Nash, the late founder of the Infinite Banking Concept, always talked about the importance of building a financial tailwind in order to overcome the cost of financing in your life. As a pilot Nash realized, when you fly into a headwind, your ground speed is greatly reduced if not completely annulled. You might …

Continue reading “Building Sustainable Wealth Using the Life Benefits Formula”

If you let procrastination get a grip on you, it can crush you! People procrastinate all the time, whether rushing busily around doing nothing, or lazily evading their work. One thing people procrastinate about a lot, is their money. They make their money, but then they lock it some place they can’t get it. Or, …

Continue reading “Procrastination is a Killer”

Charlie Daniels once stated, “I’ve kept people employed for over 20 years and never missed a payroll.”  On Monday, July 6, 2020 Daniels went home and will no longer have to concern himself with meeting payroll. Credited with the rise of country music after he starred himself in the John Travolta movie “Urban Cowboy” back …

Continue reading “The World Lost a Great Soul”

Krish Dhanam joins the show today! Are some of George Orwell’s famous predictions coming true? Ignorance is Strength Freedom is Slavery War is Peace Foundations matter – and no less in the times we are living today. When you draw a line there is always a price to pay, but history shows that people who …

Continue reading “Orwellian Predictions and The Cost of Conviction”

Universal life insurance became a popular life insurance policy in the 1980s. These policies differ from the common term life insurance policies or whole life insurance policies. So what is universal life insurance? Read on to learn about what it is, how it differs from other policies, and the challenges with this type of …

Continue reading “Universal Life Insurance at a Glance”

Have you ever wondered, “Should I pay off my mortgage early?” Many homeowners ask this question because they want to get ahead financially.  My Mom and Dad paid off their first home in 5 years. They wrote a check and bought their second home with cash – a beautiful, 2 story brick home on 3 …

Continue reading “Should I Pay Off My Mortgage Early?”

Universal Life Insurance and especially Indexed Universal Life Insurance (IUL) is a relatively new type of insurance, and one which has created a lot of controversy. Some almost swear by it, others just as vehemently oppose it. Some like it because they say it allows them to still dabble in the market, while retaining a …

Continue reading “The Case for Universal Life Insurance vs Whole Life”

According to the Social Security Administration, 90% of retired seniors depend on Social Security for at least one-third of their income.  More than 50% depend on Social Security for more than 90% of their income, and for unmarried persons, 45% depend on Social Security for 90% or more of their income.[1] Here’s the trap: One must …

Continue reading “The Social Security Trap”