Mutual Life Insur­ance is mak­ing a come­back now that our spec­u­la­tive econ­omy has blown up

How to preserve your capital with guaranteed growth and safety.

Aren’t we all inundated with negative crap from everywhere from media to private conversations to internet. Who is offering a viable, lucrative, safe and secure alternative for our money? There is one financial vehicle offered by a company that has been around for and paid dividends without fail for over 106 years. Ask me more about it if you want a safe haven for some of your money.

Please click on picture to see clearer copy. Click outside picture to escape.

BOSS_client_attacked with_negativity

***********************************************************************************************************************************

Forbes is trying to wake everyone up about financial advise given about Wall Street.

 

 

 

bullmarketPlease click on picture to see clearer copy. Click outside picture to escape.

************************************************************************************************************************************

Why is AIG changing from financial services to insurance?

 

BOSS.AIG

 

Please click on picture to see clearer copy. Click outside picture to escape.

************************************************************************************************************************************

Wall Street Journal reports on Old-School Banks; what does that mean? It means banks that did not stray from the 5,000 year old banking principles and so are still strong and do not need bailouts are where you will find what to do with your money. Do what banks do, not what they tell you to do.

What are those three 5,000 year old banking principles,

  1. Banks Lend; They Don’t Invest.
  2. Banks Transfer Risk Away From the Bank.
  3. Banks Turn Liabilities into Assets.

Please click on picture to see clearer copy. Click outside picture to escape.

BOSS.wall.street.article

 

What do banks tell us to do? 1. Borrow from them, while investing in risk based investments. 2. Take on all the risk by using our assets as collateral and allowing the bank to be last in and first out of a transaction. 3. Have our assets at risk and take on lots of liabilities. Our debt is the banks asset. WHY? STOP IT NOW? THERE IS A MUCH, MUCH BETTER WAY!!!

**************************************************************************************************************************************

Does anyone believe taxes are going to decrease in the future? What good is tax-deferred when you are going to pay more taxes in the future than you are now. Plus, you are paying taxes on the growth as well, unless you have your money in the correct financial vehicle. Mutual Life Insurance. But I do not mean just any old life insurance policy. I am talking only about a patent pending policy designed for your optimal benefit.In this policy your money not only grows tax-deferred but you can access it tax-free and pass it on to your beneficiaries tax-free as well. No wonder this has been a well kept secret for so long. Only the wealthy have been privy to this knowledge till now. But even they did not know of a policy that creates 70% cash value from day one like I offer.

BOSS_WallStreetThreat

 

Please click on picture to see clearer copy. Click outside picture to escape.

 

**********************************************************************************************************************************************

Insanity, according to Einstein, who I happen to agree with, is doing the same thing you have been doing and expecting different results. The cartoon below surely portrays why we want to change our way of thinking about what we do with our money.

BOSS cartoon

 

Please click on picture to see clearer copy. Click outside picture to escape.

***********************************************************************************************************************************

Once again Forbes is recommending a solution….

“Sup­pose there was a finan­cial instru­ment with a track record stretch­ing back 1,400 years, that was so solid it could sur­vive the Great Depres­sion intact; that earned untaxed inter­est at a com­pet­i­tive rate; that could be bor­rowed against at will regard­less of credit con­di­tions; and that could be used by indi­vid­u­als as well as major cor­po­ra­tions and banks as a safe har­bor dur­ing eco­nomic turmoil? You’d call it a finan­cial banker for scary times, and you’d be talk­ing about mutual whole insur­ance. This is not the life insur­ance that only pays when you die. Mutual Whole Life is the kind of insur­ance our par­ents and grand­par­ents owned in the good old days before the stock mar­ket began to boom in the 1980’s and 1990’s. Mutual whole life saw our elders through thick and thin, and after sev­eral decades of being mus­cled aside by the allure of the stock mar­ket, it’s mak­ing a big comeback. But I’m aston­ished at how few of the many invest­ment advi­sers I meet under­stand how mutual whole life poli­cies work, or don’t offer them to clients because they aren’t sexy or new… Mutual life insur­ance is mak­ing a come­back now that our spec­u­la­tive econ­omy has blown up and finan­cial dis­as­ter is dri­ving peo­ple away from risk and back to basics. ….Mutual or “par­tic­i­pat­ing” whole life insur­ance is the clos­est thing to own­ing your own bank. The con­cept of mutual insur­ane is rather sim­ple, espe­cially com­pared with the com­plex annu­ity prod­ucts that were so pop­u­lar until recently. And the ben­e­fits include all those listed in my open­ing para­graph.” – John E. Girouard,  Forbes.com 2/19/09 ****************************************************************************************************************************************** The 500 companies that make up the S&P 500 are always changing. How will know if the companies you have chosen are in or out? What the overall is doing is really not relevant to you. Only what your companies are doing are relevant. Even so, here we see the 500 best are down. So even the chopping and changing couldn’t bring a profit.

 

Please click on picture to see clearer copy. Click outside picture to escape. ******************************************************************************************************************************************

 

Please click on picture to see clearer copy. Click outside picture to escape. ****************************************************************************************************************************************** Right Now, go over in your mind all your investments (mind joggers; mutual funds, stocks, bonds, retirements accounts, CD’s, real estate, business owner or partnerships) and then answer these questions:

  • How easy or difficult is it to access the money in any of your investments?
  • How easy is it to access your money NOW, if you want it for something of your choice?
  • Do you have to collapse whole or part of the investment to be able to access your money?
  • Are you going to have to pay taxes on the money when and if you can access it?
  • Will you be required to pay penalties for using your money outside of a restricted time-frame?
  • Are you required to pay penalties if you use the money for other than the purpose it is being saved in a particular vehicle for? (eg, education fund account, retirement account.)
  • Is the tax deferred advantage really an advantage? Don’t taxes increase over time? Aren’t you now paying an unknown amount of tax on the growth as well the principal investment this way?
  • Are you expecting to lower your standard of living just because you are retired?
  • Do you understand how the S&P500 calculates its rate-of-return? The 500 companies are never all the same companies?
  • Do you understand how mutual fund managers calculate the rate-of-return they advertise in their prospectuses?
  • Do you have CONTROL of your money in any of the places you have it invested?
  • How LIQUID is the money you have in your investments? Is it tied up or easy to get at?
  • Are you charged PENALTIES when you want to use your money?
  • What RESTRICTIONS are placed on the money you are saving for your future?
  • Are you offered guarantees of no loss of principal in any of your investments?
  • Are you offered guaranteed growth of your money in any of your investments?
  • Are you offered tax advantaged growth and access to your money during your lifetime?
  • Do you know how much money you will be able to draw tax free each year after you decide when you want to retire?
  • Does your retirement plan let you know NOW, what you will have at retirement so you can know the end at the beginning?
  • Have you ever compared how much interest you earn on your investments each year compared to how much you are paying on your debts? And I do not mean looking at the interest rates to figure that out. I mean looking at every monthly payment and determining the percentage of interest you are paying on each debt each month to calculate how much you are paying for interest totally, each month and year.
  • How many of your investments are safe from lawsuits, judgments and creditor attacks?
  • How would you like the interest you are currently paying to banks, to instead, fund your retirement?
  • Wouldn’t you rather keep earning dividends & interest on the cash value you are using?
  • What is your exit strategy?

How long will it take you to get back to where you were say 2 to 5 years ago? Most people think that if there was a 38% loss they would need a 38% gain to break even. This is not the case. Look below to see what I mean.  Please click on picture to see clearer copy. Click outside picture to escape.

 

 

 

mutualfundmyths2

There is one financial vehicle that offers all this and more. Banks use it, corporations use it, colleges use it, the wealthy use it and now it is available to you. If you want predictibility, guaranteed growth, guaranteed no loss of principal, safety, tax advantages, and supercharged wealth building strategies for your money, contact me now. ***************************************************************************************************************************************

Please click on picture to see clearer copy. Click outside picture to escape. ********************************************************************************************************************************

Doesn’t the middle finger mean ‘Up Yours’?

Please click on picture to see clearer copy. Click outside picture to escape.

Share

April 10, 2010 · Jennifer · 2 Comments
Tags: , , , , , , , , , , , , , , , ,  · Posted in: FINANCIAL EDUCATION 101, INVESTMENTS - What's Most Important To You?, Life Insurance with Living Benefits, Mutual Life Insurance Coming Back, Wall Street Alternative

2 Responses

  1. Money Man - May 13, 2010

    Dazzling article . Will definitely copy it to my blog.Thanks.

Leave a Reply