General Business

Avoid Identity Theft; Learn How to Recognize Phishing Scams

Simply ask for it. That’s the easiest way for an identity thief to steal your personal information. Each day, people fall victim to phishing scams through emails, texts or phone calls and mistakenly turn over important data. In turn, cybercriminals try to use that data to file fraudulent tax returns or commit other crimes. The Read more >>

Where Have All The Bankers Gone?

By Bill Broich The old Peter, Paul and Mary song “Where have all the flowers gone, long time passing” reflects the changing times centered on the Viet Nam war.  Times changed and where did they go, what has happened?  I think we are in the middle of another change, a change about how we do Read more >>

The Times They Are A Changin For Annuities

By Bill Broich I remember the early years in Olympia Washington learning to sell annuities, it was tough.  Not only tough for me but tough for anyone who was anything other than a “stockbroker”.  Not only were our products not fully developed but we were the “ugly” stepchild of the financial world. Annuities were considered a second Read more >>

Transparency It Had To Come We Knew It All Along

Digital communication and information access is (quite suddenly) lifting the veil around many institutions and sources of information that were once shrouded in mystery.

Warning About Phony and Bogus High Interest Rates

A recent alert from the Financial industry Regulatory Authority (FINRA) warns of scams related to extremely high interest rates offered on High Yield Certificates of Deposit (CDS).

Brands And Why We Trust Them

Be careful not to invest in an annuity just because it is a recognized brand. There are many things you should consider when picking the correct annuity for you.

Life Insurance, a New Idea or an Ancient Idea?

So when did the concept of life insurance originate? A much longer time than you might have guess, it originated before the birth of Christ. The Roman army used burial clubs to help each other offset the expense of a burial by spreading the cost of the funeral among the soldiers in the decedent’s regiment. Each Roman soldier helping each other.

Congress and US (The American People)

A recent opinion poll suggests that the approval rate for congress just set a new record low. The new approval rate for congress as seen by the American people is 10%. Their ridiculous stands are forcing our government to grind to a halt, people will not be paid and services suspended. Is that the only downside? I think it is a far deeper problem, the issue of faith in our elected officials and their ability to do what we elected them for is in deep jeopardy. I am dissatisfied as I am sure you are also.

Professional Athletes, Actors and Stock Brokers

Who do you know that makes $10 million a year? They don’t live in my neighborhood. Neither does Bruce Willis but every time he signs to star in a movie, his $20 million salary always makes the news. Do you think those contracts should be made public? Should any sector of our business sector be able to keep contracts secret? Do you really care? I can say that I don’t care, but I know someone who does, the Securities and Exchange Commission (SEC) and the financial industry regulator FINRA care.

Estate Planning Tips for 2013

If Congress does not change the current law, the federal estate tax exemption in 2014 will be just $1 million. You do not have to die in 2013 to use this exemption; you can use it to make gifts now, while you are living. You do not have to completely give away your assets; you can make the transfers in ways that will let you keep control and even keep the income your assets are generating. Gifting can make solid sense. Under current federal law you can give up to $14,000 to as many people as you wish each year.

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