Articles

Get The Facts, Ask Joe Friday

By Rick Dennis Do you remember the TV show “Dragnet” from the 1960s?  The star of the show was Sergeant Joe Friday, played by Jack Webb.  It seemed like at least once on each show Sgt. Friday would tell someone that “we just want the facts, that’s all we want – nothing but the facts.” Read more >>

Use ‘Transfer on Death’ Form to Avoid Probate Court

By Lyle Boss Avoiding probate can be tricky, but you might be able to successfully do it 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.’ Read more >>

A Pile Of Cash: How Important Is It?

By Al Martinez Sure, when it comes to paying for something like a new car — cash talks. Cash can get you a better deal and eliminate interest payments. But more importantly than having cash is having cash flow. Cash flow is the true king. Cash flow is INCOME. Try thinking of your money from Read more >>

What Drives Your Financial Decisions?

By Rick J. Hahn  What drives your financial decisions? Is it Greed? Fear? Common sense?  Some Psychologists say that most financial decisions are made by most people in that order. The highest percentage starting with Greed, then Fear, and finally common sense. It has been my experience that that order may very well be correct.  Let’s Read more >>

One Huge Benefit for Annuity Owners

By Lyle Boss Almost all new annuity contracts provide an immediate benefit. Is it income? Is it safety? Is it freedom from market risk?  The answer to those questions is yes! Plus more. That’s the nursing home waiver. Annuity contracts have a provision that allows annuity owners to access most or even all the funds Read more >>

What Are Zero Coupon Bonds?

By Lyle Boss 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 (the discount) and the original amount of the Read more >>

Top 7 Retirement Planning Mistakes to Avoid 

By Al Martinez Retirement decisions can be confusing and complicated. Many people make too many mistakes when it comes to decisions that can affect their important retirement period. Listed below are 7 retirement mistakes, possibly you can avoid them. Searching for jobs later in life:  Many people forgo proper retirement planning thinking they’ll be able Read more >>

Women Have Greater Retirement Needs

By Rick J Hahn It’s well known that on the average woman lives up to seven years. longer than men. This means that they have a greater need for retirement planning since they will be retired longer, and will need more funds. The problem is that many women, during their prime earning years, bring home Read more >>

The No Exposure To Loss Gambling Machine

By Robert P Kelly If you had the opportunity to gamble in Las Vegas but were guaranteed that you would never lose, would you go?  Can you imagine the chaos that would envelope Las Vegas’s casinos if everyone won? Of course, we know that is only fiction and to make Las Vegas work there has Read more >>

Make Sure Your Credit Score Is Accurate or It Could Cost You

      By Joe Edgeworth Credit bureaus track consumers’ credit history: making sure they pay their bills, aren’t late on those bills and how much debt they carry. There are many credit bureaus but big three are Experian, TransUnion and Equifax. When you try to borrow money from a lender the lender pulls your Read more >>

Annuities – Confused? – Keep It Simple!

By Robert P Kelly As I speak with callers to my Safe Money & Income Radio Shows, I hear all sorts of ideas about what annuities are and what they can do. There is a lot of good information available, but at the same time there is a lot of conflicting information that leaves many Read more >>

Should You Invest In Gold? Consider These Pros and Cons

by  Lyle Boss For centuries gold has been an asset that many have used as their basis for wealth.  Ownership of gold also means you own a direct relationship to volatility. No other asset in the past hundred years has reflected volatility more than gold. If you are concerned at all about volatility, especially with your important retirement funds Read more >>

Variable Annuity Sales Take Another Big Hit

By Steve Kerby Variable annuity sales are headed for their lowest annual sales in nearly two decades, since the mid 90’s, as their multi-year slide continues.  Broker dealers have been running from the current trend in “transparency” of products, and are now turning to products with stronger guarantees: fixed indexed annuities. (FIA) Sales of variable Read more >>

The Retirement Question

By James Junge At a recent Social Security workshop, I presented I was asked the question on every baby-boomer’s mind these days, “What should I do with my retirement funds with all this volatility in the stock market?” The answer is not simple, but is not as complex as many would have you believe.  The Read more >>

3 Overlooked Tax Reductions That Will Shock You

By Joe Edgeworth There are the standard tax reductions every taxpayer knows about, but there are three others few realize that they can deduct to reduce their taxes. Plus a bonus!                 Volunteer work donations Many American volunteer their time and services to nonprofit organizations instead of making Read more >>

Annuity Sales Are Predicted to Grow In These States

By Al Martinez Nearly 3 million people are likely to purchase fixed index annuities (FIA) in 2017. Three states lead this annuity buying increase: Texas, Florida and California with an estimated 720,000 households likely to purchase an annuity. California makes up 325,000 of those, a stunning 16.5% growth-rate over three years. Those three states make Read more >>

Sustainable Income For Life

By Rick J Hahn Sustainable income, exactly what is it? How could income be sustainable?  What happens when interest rates drop or you live too long, how can it sustain itself? Those are good questions and the answer might seem too good to be true. However, it is true if you understand how to create Read more >>

Should An Annuity Be A Part of Your Retirement Portfolio?

By Lyle Boss Since 2014 the number of Americans retiring has increases to 4 million annually, more than 10,000 a day. From 2014 to 2034, about 80 million seniors are expected to retire which will strain Social Security and Medicare systems with the potential to lead to increased reductions in benefits. Couple this increase in Read more >>

Worry and Concern Over Medical Costs And Expenses

By Bill Broich 1 in 3 Can Barely Afford Medical Care My favorite market is people who are generally overlooked by brokers, people that don’t have investment counselors, people with a lower net worth. The reason?  Our products with their guarantees become very important to them. Along with issues of income and worry regarding having Read more >>

Is An Annuity An Annuity, Or Is An Annuity An Egg?

By Bill Broich Often, we hear about annuities and how many fees are “hidden” within them. So why would anyone consider an annuity? Annuities come in 2different sizes, those sold by stock brokers (variable annuity) and those sold by insurance agents (fixed annuities). Annuities sold by stock brokers are security products, annuities sold by insurance Read more >>

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