And How Adherence to that Code Generates Productivity and Prosperity We, mistakenly, have been led to believe that freedom, autonomy and voluntary association, along with free trade can be fair and balanced without all parties involved respecting the same moral code.  This is not only ridiculous but irresponsible. Without mutual respect for a moral code, …

Continue reading “The Moral Code of Humanity…”

Truth has been so distorted, and redefined in our world that it’s easy to wonder if there really is absolute “truth” anymore. Experts tell people to embrace a new world 🌎 where everything is “relative” to everything else – a world where Opinion trumps Fact and nothing is totally certain. This is a corrupt idea …

Continue reading “What is Truth? A Historic Question Critical to Your Prosperity”

In the mid to late 1970’s DMSO was greatly sought out by athletes and arthritis sufferers as a remedy for joint pain.  The major problem was, it was illegal to purchase DMSO for human usage, and so you had go to a vacuum or sewing machine repair shop to purchase it. DMSO was frequently used …

Continue reading “Dimethylsulfoxide (DMSO) and Other Fad Remedies”

In the 1970’s DMSO was very popular with athletes🏃🏽‍♂️but you had to go to the vacuum store to get it. Where is DMSO today? What about other Fad remedies that come and go? You can see a similar pattern in the Financial World too. Fads come and go, the Guarantees stick around through thick and …

Continue reading “Avoiding Loss Can Be More Important than Making Profits”

…And How You Can Profit from the Know How My mom took a tumble in the wee hours of the morning several weeks ago. This meant a ride in the ambulance to the hospital.  And after x-rays and CT scans we were told she had a broken arm and were sent home with a sling …

Continue reading ““How Burger King Out-Witted McDonalds””

Life Insurance, Index Funds, Mutual Funds, Low Fees, Lower Fees, – hey even Negative Fees now! 💫 Risk, Risk Management, Risk tolerance… how in the world do you know what to do, let alone know how the results will turn out? Only by building on a foundation of Guarantees can you navigate the financial world …

Continue reading “Choices and More Choices – Where are the Guarantees?”

CSO Tables…you won’t find these tables in any furniture store. CSO (Commissioners Standard Ordinary Mortality) Tables are produced by the Society of Actuaries and the American Academy of Actuaries, who work together to glean the data that provides insurance companies the necessary information to determine what reserves they need to keep in order to pay …

Continue reading “CSO Tables…And What They Mean For You”

In this episode: Life Insurance Companies are updating their products for the latest 2017 CSO Mortality tables (CSO = Commissioners Standard Ordinary). The previous major CSO tables were assembled in 2001. There are some changes that will affect new policy values because people are living longer now. Listen to hear what these changes mean for …

Continue reading “Special history about the Apollo 11 Astronauts & Life Insurance Mortality Table updates”

There is absolutely no question that your money has the potential to grow faster if you defer the taxes you owe when you earn that money.  However, not knowing the tax rates that you will be charged in the future on that money is a gamble that may not be sustainable for you. Not to …

Continue reading “Should You Defer Your Taxes or Plan to Have Access to Never Taxed Money?”

Deferral has been called “magic” 🎩 in the financial world. Deferral can help you accumulate more money, but will it actually provide you more money to use? This is a gamble on where tax rates could go and how the market might perform. Where are taxes going in the Future? Listen for what you should …

Continue reading “Should You Defer Taxes or Keep Your Money and Never Pay Tax Again?”