DEBT DIAGNOSIS

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.

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

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Why is AIG chang­ing from finan­cial ser­vices to insurance?

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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.

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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!!!

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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.

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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.

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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.

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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.

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. ***************************************************************************************************************************************

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

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1. Money Man says:

   May 13, 2010 at 11:45 am

   Daz­zling arti­cle . Will def­i­nitely copy it to my blog.Thanks.
2. Meiji Yasuda Life Insurance Company – Swot Analysis – Aarkstore Enterprise Market Reserach Report | About Annuities says:

   April 11, 2010 at 2:53 pm

   […] […]