Blog #46 – Strategies for More Income in Retirement

The biggest fear that people over the age of 60 have is running out of money in retirement. And for many Americans, this is a very real risk, not an irrational phobia.

Blog #45 – Where Should You Store Your Savings?

The answer is in an Infinite Banking policy. Nevertheless, most Americans put the amount they intend to save at risk by placing them in qualified plans, which are nothing more than investment vehicles controlled, not by you, but by the government, Wall Street and your employer. We would like to compare an IBC policy to qualified plans on four key elements.

Blog #44 – Private Lending: A Good Opportunity To Increase Your Wealth

Not only does private lending help diversify a stock-heavy portfolio, but through private lending, it is also very easy to diversify amongst different types of assets, or real estate investments, in different locations. 

Blog #43 – Cash Flow Is King

Have you taken a “30,000-foot view” of your finances lately? Is it positioned for the growth, strength, stability and cash flow you desire? To help you answer that, let’s examine asset allocation and diversification.

Blog #42 – History And Characteristics Of Modified Endowment Contracts

Congress established a statutory definition of life insurance in 1984 in IRC Section 7702 that was a significant step in eliminating the favorable income tax treatment of investments disguised as life insurance. In 1988 Congress further tightened the tax rules that apply to life insurance. Under these rules governing the taxation of life insurance, any life insurance contract becomes a modified endowment contract (MEC)and is subject to less favorable income tax treatment if it fails to meet the 7-pay test.

Blog #41 – Getting Old In America

The Center for Disease Control calculates that overall life expectancy in the U.S. is presently 78.7 years, with women outliving men by an average of 5 years, or 81 years vs. 76 for men. (Longevity is one area where there is no gender equality.)

Blog #40 – Everything You Ever Wanted To Know About Policy Loans

When you take a loan from your Infinite Banking policy, the money is lent to you by the insurance company and it comes from their general account. Your cash value remains in your policy and it continues to earn interest and dividends while collateralizing the amount of your loan.

Blog #39 – Alternative Investments Are Not Correlated To The Stock Market

“Your life does not get better by chance, it gets better by change.”  – Jim Rohn Investors have short-term memories and are reluctant to change, which is why so many cling to the stock market, even when it’s on a downward trend, or overdue for a correction. If you have lost confidence in the market or are simply looking for … Read more

Blog #38 – Happiness Brings About Greater Success – Including Financial Success

“The greatest discovery of my generation is that a human being can alter his life by altering his attitudes.” —William James, American philosopher and psychologist Why Happy People Are More Successful We tend to believe that certain conditions must be met in order for us to be truly happy: we’ll be happier when we have … Read more

Blog #37 – Relationship Between Money and Happiness

“All I ask is the chance to prove that money can’t make me happy.”

Happy Holidays!

Blog #36 – Guaranteed Cash Values

Not much in life is truly “guaranteed.” We can’t guarantee the weather, what other people will or won’t do, the direction of the markets, or even if we’ll be around to see tomorrow. And even most “guarantees” have exceptions. Your purchase is guaranteed – but only for 30 days, or unless you drop the item, … Read more

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