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What if you could recover the interest expenses you pay to finance cars or other major purchases?
What if you could recover the “lost fortune” on the money you needlessly give to financial institutions?
What if you could do this on a tax-free basis?
If your is answer yes, then would you?
You can, if you learn how to […]
Why did you adopt the Infinite Banking Concept?
Why did you adopt the Infinite Banking Concept?
The most popular reason for adopting the Infinite Banking Concept is the ability to control your costs, control your spending and leverage the death benefit.
Most will use the Infinite Banking Concept for business purposes - buying inventory, real estate investment, capital improvements and the like. This is a good thing and helps […]
What are you thinking?
When a 158 year old company can simply just vanish, don’t you wonder about what will happen next?
AND I am not even going to talk about why the government didn’t bail them out. The government should never interfere with our free market; I was starting to think we were sliding a little towards socialism and […]
A note about Viatical and Life Settlements
I was recently invited to a luncheon hosted by a company introducing prospective investors to the concept of investing in the purchase of life insurance policies that are being sold from their original owner to third party investors by way of Viatical and Life Settlements. What follows is the result of research obtained through numerous […]
Register for Complimentary Infinite Banking Round of Golf
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Being passive, aggressive about your money guarantees failure
You put your money in an account that has no guarantees, usually a 401(k) or something ‘qualified’, and expect something magical to happen. What are you expecting? Enough money to live on from the day you retire until you die?
People, it will never happen this way. Systematic, stealth deposits from your paycheck with no taxes, […]
Cool Stuff
I found the coolest thing today! Brands for steaks, burgers or whatever you are grilling. I ordered a custom brand for my ranch The Triple N Ranch.
Check it out:
www.SteakBrands.com
Service is what counts in business
My second vacation of the year started on June 27th at 4pm. I got in my car to drive home - south to San Antonio when I realized I didn’t want to drive home and start packing for my week at the beach. I wanted to walk the streets of Austin, Texas and eat breakfast […]
Camp Prosper
We parents need to put money systems in place for our future generations to appreciate, enjoy and propser independently. Your future millionaire children will learn how to capitalize a company, structure joint ventures, leverage debt, exercise securities/trades, and study asset allocation.
Once a week for six weeks every fall, girls ages 8 to 12 will learn money strategies, […]
Become your own banker
“A good man leaveth an inheritance to his children’s children; and the wealth of the sinner is laid up for the just.”
- Proverbs 13:22
What if you could recover the interest expenses you pay to finance cars or other major […]
WATERFORD HEIGHTS in The Heights at Stone Oak, San Antonio, TX 78258
Waterford Heights is a luxury and exclusive gated community within the magnificent community of The Heights at Stone Oak offering you and your family an opportunity to enjoy peace and quiet in a tranquil environment that is only 15 minutes from the best schools, shopping, and entertainment. Each home site consists of one to one and one-half […]
ALL CRAP!!!
Are you kidding me?!?!?! This is ALL CRAP!
Yes stuff costs more! Do you people realize that inflation has not been around for the past 6 years?!?!?! Does anyone save their money? Just because you make $100,000 a year does not mean you spend all of it every year!!! The gas story is ridiculous — […]
What does a Financial Planner do?
Personal financial planners help families and individuals understand financial products, how they work, and the role of the family in making financial decisions, such as saving for college or retirement. The emphasis on how money management affects families and their futures gives our process a human dimension — and gives you an edge over money […]
The Model
You probably own a variety of financial products and have made many financial decisions. Each product and financial decision most likely has been made individually and without much thought of integrating them into a skillfully coordinated and efficient plan. Without a financial model to assess, evaluate or measure each financial decision, your money may become […]
The Process
When you think about the services we provide for […]
What L.E.A.P. Means
Lifetime Economic Acceleration Process
LIFETIME:
LEAP SYSTEMS, Inc. views your financial process as an ongoing lifetime experience. LEAP uses a comprehensive or holistic approach.
ECONOMIC:
LEAP seeks to make your money productive and efficient which may increase its performance over time.
ACCELERATION:
LEAP allows your money to have the potential to achieve an accelerated rate of return by using a unique […]
Securing Your Financial Future
Securing Your Financial Future
In a recent survey, 74.5% of individuals with at least $1 million in net worth felt that the world is a dangerous place (Source: Financial Planning, June 2007). While there might not be much we can do on an individual level to reduce crime, war, or even stock market corrections, we can […]
New Federal Laws Can Help the Public but Hurt Businesses
There is a set of laws which went into effect on January 1st 2008 called the Red Flag Rules. The Red Flag Rules are part of the FACTA law. This law is about much more than getting a free credit report or only showing the last four numbers on credit card receipts. It’s all about […]
Seniors Being Targeted Though Medicare Part D
The March 2008 issue of Kiplinger’s Magazine carries an article all seniors should read about Unscrupulous insurance agents, scammers and identity thieves targeting seniors through the Medicare Part D benefit. Part D can be confusing and these individuals are taking advantage of that confusion to sell unnecessary or bogus benefits to seniors. Identity […]
Taxes, Scams and Identity Theft
Tax time is here, and unfortunately many cases of identity theft and scams are attached to our Tax Reporting ID number also known as our Social Security number.
A Social Security number is needed to secure employment in the U.S., therefore undocumented workers are using stolen social security numbers to get jobs. A stolen social security […]
Active Rain
You can find great local Mount Enterprise, Texas real estate information on Localism.com Brandi Jo Newman is a proud member of the ActiveRain Real Estate Network, a free online community to help real estate professionals grow their business.
Disability Insurance: What every physician should know
Would you ever consider scrimping on your malpractice insurance -
buying a cheaper policy to save money or one-size-fits-all coverage to
save time? Probably not, because most physicians know that a solid
malpractice policy is a vital part of practicing medicine today.
Without it, you could be ruined, so the time and money spent on
getting the best possible coverage […]
Human Life Value
According to the U.S. Department of Labor, the number of working women in the U.S. increased from 30 million in 1970 to more than 65 million today. But what part of women’s economic value is protected against losses their families might suffer upon a death? The answers appear to be that only a small part […]
Hidden Treasure
If you found a hidden treasure, what would you do? Would you pay off credit cards, your vehicle(s), or maybe invest in something? You just might have a hidden treasure in your home at this very moment.
It is simple; first you need a desire to save money. Second, you need a no-cost analysis from an […]
This week a serious subject
This week’s first article concerns the National Marrow Donor Program. This is stunning information, I only learned about the staggering need two weeks ago. Yes I am listed as a donor. Being a donor can save a life. Please read this article and reflect on how important you are to this program.
You can also preview […]
Financial Institution?
The Red Flag Rule takes effect on January 1st 2008. All entities identified as “Financial institutions” will be required to comply with the new rule by November 2008. Many companies will fail to do so. This failure will not be due to ingoring the law but due lack of understanding of what a “financial institution […]
Seven Reasons Why Disability Insurance Will Increase Revenues For Businesses
The primary reason businesses are created is to create revenue for it owners. There could be a single owner or many owners like a corporation. These businesses are always looking for ways to increase revenue. I will explain in this article seven reasons how disability insurance can increase revenue for a business.
The first reason is […]
VIDEO: You Can’t Kill It
Barron’s Economics Editor Gene Epstein says a recession now seems unlikely, but a slowdown is in the works for 2008.
VIDEO: Taxes: Mixing Business with Pleasure
Looking for a good deal for you and your small business? Then do a little sales work on your personal business as well.
Monty Python, Politically incorrect, irreverent and Visionary!
How many of you are Monty Python fans? In 1979 they released a movie about identity theft. We didn’t know what identity theft was then but we do know now. That movie was “Life of Brian.”
Brain is basically a a normal Judean with a big problem. He is contamtly mistaken for the Messiah. Beginning at […]
TRAVEL: Ask the Agent
Amy Ford is here to answer any questions you may have about traveling. Post a question in the comment area and she will respond.
VIDEO: Perfecting the Punch-Pitch
My golf instructor in Nathan Camacho. He takes golf very seriously and studies the best to make himself the best. I am very lucky that he takes the time to teach me his secrets and little known facts about the best there ever was. I wanted him to watch a few chips around the green. […]
Limiting Your Liability as an Identity Theft Victim
by Cheryl Baumgartner
How many times have you seen a commercial saying, “You won’t be held liable for fraudulent charges”? Is this a true statement? The answer is yes and no. It’s important that you understand what your liability is and the steps you need to take to limit them.
The Federal Trade Commission has a wealth […]
VIDEO: When you are stressed, frustrated or just down right pissed off…
Take a gander at this video from Jeff Ray with Suited Productions. I was stressed about crap that I just couldn’t control and found this video in the nick of time on YouTube.
VIDEO: How a weak dollar weakens you
The US dollar has fallen to historic lows against the Euro and other world currencies. And it’s not just a sign of the times… it may be a sign that you should do something.
VIDEO: The Hitachi P50S601 50-in Plasma TV
The Hitachi P50S601 50-in Plasma TV offers full 1080P, along with a cool swivel base.
VIDEO: The Logitech V470 Laser Mouse
The Logitech V470 mouse is a compact, laser mouse that uses Bluetooth for wireless connectivity.
VIDEO: The Gateway One
The Gateway One is a hot new all-in-one computer with good looks and strong features.
VIDEO: Tips for Funding Your Child’s College Education
(Minneapolis) Bill Hudson talks with Joan Rossi, of the Financial Planning Association of Minnesota (2:36).
What is missing in the Austin Dining Scene?
Successful restaurants offer a combination of good food, friendly and competent service, and ambiance that allow their patrons to feel like they’ve invested their money and time wisely. Far too many Austin restaurants overlook the importance of good service, perhaps the result of a general lack of customer demand for excellence or young, educated, hip, […]
VIDEO: Lessons from Black Monday
Pulitzer Prize winning Wall Street Journal editor Dan Hertzberg remembers the crash he reported on in 1987, its corresponding credit market crises, and the grimmer days that followed Monday’s drama. (Oct. 16).
VIDEO: Black Monday, Behind the Scenes
Richard Torrenzano, CEO and Chairman of Torrenzano group, remembers the ‘87 crash when he was key executive and spokesperson for the NYSE. Kelsey Hubbard has the interview. (Oct. 19).
Preparing for your planning meeting
No matter what your financial dreams and goals, investing is the way to build wealth to achieve them. But investing is a complex matter, and there’s a lot you need to know to do it successfully. We can help.
As you consider investing, ask yourself the following questions:
Have you clarified some specific goals for investing, along […]
Study Shows Owners of Whole Life Insurance Are More Prepared for Retirement
NEW YORK, October 9, 2007 — According to research released today by The Guardian Life Insurance Company of America (Guardian), about one-third of Americans either never review their retirement savings or do so once a year or less. The study, Consumer Attitudes: Whole Life Insurance & Retirement, examined retirement preparation views and the role of […]
Protecting your Business “Keys”
If you employ a key person who significantly contributes to the success of your business, have you considered the impact losing him or her could have on your operations? Key person life insurance can help protect your business from the financial consequences of a key employee’s death. Consider the following hypothetical case study.
Peter Mason, a […]
Why Accumulate Assets in Your Life Insurance Policy
The primary purpose of life insurance is to protect your dependents and their standard of living. In a “permanent” life insurance policy, such as whole life or universal life, you also can build cash value as part of your personal planning. After cash value accumulates, it can be accessed for liquidity or income needs, including […]
Your Human Life Value May Be More Than You Think
According to the U.S. Department of Labor, the number of working women in the U.S. increased from 30 million in 1970 to more than 65 million today. But what part of women’s economic value is protected against losses their families might suffer upon a death? The answers appear to be that only a small part […]
Your Portfolio and Tax Exempt Investments
If you have recently thought about where you can best invest your hard-earned money, you may have come up against the age-old question of whether you will do better in a taxable or tax-exempt investment. While the answer is far from easy or clear-cut, there are some simple rules of thumb that you should know.
To […]
Diversification & Dollar Cost Averaging
Choosing your investment strategy should be a major consideration when developing a balanced investment portfolio. Two common approaches worth examination are diversification and dollar cost averaging. Both are geared toward helping you create a solid investment portfolio and, together, they may help you achieve your long-term financial goals.
Diversification
Spreading your assets among different investments in different […]
Why a Will?
Often, the prospect of writing a will brings up feelings of discomfort. And yet, devising a will is one of the most important factors in estate planning, and one that should promote feelings of security. Doing so means that heirs will be provided for, and your distribution wishes will be met. Like many people, have […]
Estate Planning Fundamentals
Many individuals put off planning their estate. For some, this is due to the misconception that estate planning is only necessary for the wealthy or only involves tax planning, which can be done “later.” For others, it’s because they simply have a difficult time contemplating their own death—a perfectly natural reaction. Yet, it is important […]
Tax Treatment of Charitable Gifts
When contemplating making a significant gift, the charitably inclined are well advised to exercise some foresight. Similar gifts made in different ways will yield remarkably different results.
The treatment of your gift for federal tax purposes will vary depending on the type of asset donated, the type of charitable organization receiving the gift, and your individual […]
Qualifying for Financial Aid
If you or your children are considering college, you may be wondering how you will pay the challenging costs of education. For many families, tuition may be covered by a financial aid package. This often includes grants, scholarships, loans, or work-study placements. Aid is primarily based on the family’s need. If it is determined that […]
Building a Fund for College
The cost of higher education is increasing year after year, running well ahead of inflation. At some prestigious private colleges and universities, the cost of one year’s education, including room and board, has reached almost $30,000 (Source: Trends in College Pricing —2005, The College Board). At these prices, the final cost of a bachelor’s degree […]
Planning for the Rising Cost of Education
College tuition costs keep increasing on a yearly basis with no apparent end in sight. Including tuition, fees, room and board, the average cost at private colleges nearing $30,000 per year (Source: Trends in College Pricing -2006 , The College Board). With this in mind, the projected cost of educating today’s newborn is staggering.
Consequently, whether […]
Beyond Retirement Planning: Preparing for Long Term Care
Most people are aware of the importance of planning for retirement. Building financial stability in one’s retirement years means accumulating sufficient assets and savings to maintain one’s accustomed lifestyle. Many people, in order to determine the amount of money they will need to generate a retirement income stream, calculate their future needs using a percentage […]
Baby Boomers Look Toward Retirement
Over the next two decades, the most chronicled generation in America will gradually enter retirement. At that point, each wave of baby boomers will quickly discover if their retirement plans, Social Security, and personal savings will be sufficient to maintain their existing lifestyles and needs.
Baby boomers—a name given to those born from 1946 to 1965—have […]
The Pension Payout Puzzle
Many couples find themselves confronted with a dilemma as retirement nears. If you plan to collect your pension on a monthly basis (rather than in a lump sum), you must decide whether you would prefer to receive a higher payment during your lifetime alone (the life option) or a lower payment that will span the […]
Early Retirement: some rules of the road
Have you ever reviewed your pay stub and entertained thoughts of taking an early retirement? Suppose you are age 55 and could take home a pension income that amounted to 60% of your pay if you retire now. If you earn a high income, it may seem that you’ll be able to retire in reasonable […]
Calculating Your Retirement Needs
If you are approaching retirement age, or are just beginning to plan for it, you might be interested to learn that retirement may require 70%-90% of your current annual income in order for you to maintain the quality of life you presently enjoy (American Savings Education Council (ASEC), 2003). Setting goals—such as where you might […]
Business Continuation - Planning for success
Successful business owners invest a great deal of time and effort in building their companies. With the day-to-day demands, it is often difficult to imagine stepping down for retirement. Yet, in order to help build financial security for retirement and ensure business continuation, it is important to plan ahead. Business succession planning can establish […]
Elder Care Issues - Planning for today and tomorrow
These days, it is common for many people to live 20 or more years beyond normal retirement age (NRA). When seniors reach their eighties and nineties, plans that were satisfactory at age 65 may prove deficient and require a second look. Some areas of special concern to older seniors and individuals with aging parents or […]
Real Wealth: A bag of shredded money?
“Here’s a great gag gift. Money to Burn!!!
A zip lock bag stuffed with genuine
U.S. currency (all $100 notes) shredded for your convenience. No need to do it yourself, this money comes ready to burn! Start the BBQ with this! Show your friends how much money you have and how little it means to […]
Why Estate Planning Is a Woman’s Issue
By: William Hayes
In a nation consumed with wealth-building, it’s easy to forget that earning money is only half the financial security battle. Equally important is protecting our hard-won financial security with a well-designed estate plan. For women, the importance of planning is paramount, because most often women must cope when loved ones become disabled or […]
Do You Really Need A Will?
By: Ronald Hudkins
Many people wonder if they really need a will. They may think that they don’t have enough assets to bother with a will. Some people erroneously believe that a will causes your heirs to have to go through probate, leading to unnecessary expenses. However, a will is a good idea for just about […]
Demand ASE Certification From Your Auto Technician
By: Gregg Hall
Extending the life of you car and keeping it running properly can depend heavily on the experience and ability of the mechanic or technician who regularly works on it for you. Don’t take chances with the health of your vehicle; insist on their being ASE certified. ASE certification comes from the nonprofit organization, […]
Your Health And Insurance
By Rob Ryan
People in the U.S.A are getting more obese according to the Trust For Americans Health fourth annual obesity report. The report states that in the past year, two thirds of adults are overweight or obese, with obesity rates going up in thirty one states, and no states with obesity rates going down and […]
Divorce Financial Help - Finding Money During the Divorce
By J. Posner
If you are going through a divorce it is already probably obvious that financial problems seem to pop up and/or grow. Prior expenses like child care, transportation, food, utilities, rent or mortgage expenses often increase, sometimes significantly. Here are some common financial techniques as well as a brand new option to assist you […]
Airfare Savings - How to Find the Cheapest Airline Flights
By Gerry Restrivera
When traveling, the biggest expense is the airline tickets which could put a lot of stress on you. Vacation and traveling should be fun and you should find ways not to get affected by high prices of airline tickets. Here are some ways on how to find the cheapest airline flights.
Understand that airfare […]
What is FAFSA and Do I Need it to Earn College Scholarships?
FAFSA is the Free Application for Federal Student Aid, and it is a required application for students who want to apply for federal and state financial aid and college scholarships. Even if the student does not qualify for federal or state aid, many colleges and universities, especially public institutions, require the the FAFSA for students […]
401(k) Hoax
Online Extra: An Excerpt from The Great 401(k) Hoax
Authors William Wolman and Anne Colamosca believe the recent problems are just the beginning.
For people who are approaching retirement, 401(k) plans haven’t yet proven to be the wealth-creating machines many had hoped. Steep and prolonged declines in stocks have eaten away at many people’s retirement savings. Companies […]
Personal Finance Times - under construction
As we test our capabilities and build the most comprehensive personal finance site on the internet, please be patient. We will be adding content every day. If you would like to join our contact list and be the first to know when we are fully functional, please email our publisher at info@tristanpublishinginc.com.
Want to be a […]
Looking for Health Insurance Coverage Contributor
Have your expertise showcased here! Write articles about coverage, policy structure, deductibles and more.
Hey Shari! You could be here and in a few weeks your own video!!!
Looking for Golf Contributor
To establish your self as a golf expert, apply to be the PersonalFinancetimes.com Golf Contributor. Email Brandi Jo Newman your resume, contributing article with images and/or video to be considered as one of our valued experts on golf.
To pay cash or not to pay cash..? that is the question
Should you sell to purchase or purchase to sell?
Recovering College Expenses
You saved all that money for 18 years just to watch your beloved child go off to that overpriced university and spend it all in just 4.5 years. Wouldn’t you like to get at least some of that money back? I’m not talking about about your pride and joy paying you back. I am speaking […]
Problems with Traditional Financial Planning
“Let’s see here,” your starchy, white haired, typical male CFP says.
“Your family has X amount of money in savings. Your household gross income is X. Your house is worth X, with a X mortgage. You have X children and planning on having another in the next X years. Social Security will be X at age 67 (if […]
The secret to losing the weight you want to lose
EAT RIGHT! It’s not rocket science… Eat more than you burn, you gain weight; eat less than you burn, you lose weight.
