“Money, like emotions, is something you must control to keep your life on the right track.” – Lyle Boss & Dave Anderson This is a great example of what happens when greed takes over and teaches you hard lessons. Frank retired in 1999, and at that time, interest rates were much higher than they are […]
“It’s not “if,” but when…” According to the National Bureau of Economic Research, as of July 1, 2019, the U.S. is officially in its longest expansion ever. For over 120 months, the economy has been growing. However, in recent weeks, there have been signs of a potential slowdown. While I tend toward optimism, I understand […]
Zero-coupon bonds pay no interest; you buy at less than face value. Zero-coupon bonds are bonds that do not pay interest during the life of the bonds. Zero-Coupon bonds are purchased at a discount, and they will fund the face value at maturity. A portion of the funds at maturity will be accumulated interest […]
Avoiding probate can be tricky, but you might be able to do it successfully following these three straightforward ways. If you own stock certificates or have a brokerage account, the ‘transfer on death’ option can be used to avoid probate. This option is often called the ‘Uniform Transfer on Death Securities Resignation.’ You can designate […]
If your Required Minimum Distribution is not managed properly you may be exposed to additional tax liability. Determined by the fair market value of qualified retirement accounts, a Required Minimum Distribution (RMD) is the minimum withdrawal amount account owners must take when they reach age 70½. Types of accounts affected by the Internal Revenue […]
“The problem is too often; we simply accept conventional wisdom, which prevents us from considering other alternatives.” Roger Ibbotson, PhD It’s very telling that years after Roger Ibbotson developed the foundations of what we now consider to be “conventional money wisdom,” he has re-evaluated his position. Ibbotson, a respected economist, and former university professor, created […]
“Plan as if you are going to live forever and live as if you were going to die tomorrow” Though not an original quote, Infinite Banking Concept ® founder R. Nelson Nash was often heard to remark, “Plan as if you are going to live forever and live as if you are going to die […]
Most people who choose to prepare advance directives do so to remove any doubt of their wishes in the event of a situation where they may be deemed unable to make decisions.
Variable annuities have fees, expenses, and charges subtracted from the annuity account value The category, an annuity is a very broad term that covers two different types of actual products. One is a security, the other is an insurance product. There are numerous differences, this article will explain the details. There are two completely […]
When Planning for Retirement Four Common Mistakes Nearly Everyone Makes You may have been told by a well-meaning parent, friend, or financial advisor that you should “Save at least 10% of your money for retirement.” This rule of thumb gives those of us with no idea where to begin planning some initial guidance, but […]
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