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There are some really sordid tales about how Indexed Universal Life Insurance (IUL) is compared to Participating Whole Life Insurance (PWLI) as being almost her identical sister, merely because they can develop such high cash values and both have certain guarantees. But the poignant chronicles of those who have owned, and survived owning, an IUL …

Continue reading “The Sordid Tale of Two Sisters”

Nearly 12 years ago, when first looking into participating whole life insurance as a financial asset and tool to manage my own investments, it was difficult to find any information on what participating whole life insurance was. It was even more difficult to locate any life insurance companies that still sold participating whole life insurance …

Continue reading “Five Dangers Associated with Using Cash Value Life Insurance”

“The average worker in America is now shelling out $5,714 for a family health-insurance plan, 30% of the total $18,764 cost.”[i]  Five years ago, workers shouldered (merely) $4,316 of the $15,745, or 27%.[ii]  “Health care coverage has increased faster than wages and inflation.”[iii]  And while congress and the president grapple with easing the pain of …

Continue reading “Affordable Health Care?”

We live in Henderson, NV which is located just outside of Las Vegas and is ranked #1 on the 2017 list of safest cities to raise a family, partly because of it’s routinely low crime rates. A couple weekends ago a few of us were out riding ATVs in BLM land behind our home. The …

Continue reading “Avoiding Risk”

Today, sundry and various individuals and groups are advocating that “the common good supersedes the private good.”  And yet, those who promote this ideology through the exercise of their 1st amendment rights, would be sorely displaced if they were stripped of their free right to speech and expression simply to accommodate the common good which …

Continue reading “Your Money: 3 Steps That Ensure You Will Keep More of It”

Editor Walter Updegrave’s article, entitled Recoup Your Bear Losses?, appeared in CNNMoney.com July 8, 2009. In it he stated that all we needed to do was “keep investing in stocks,” earn “a real rate of 12.8% a year until 2017,” and we’d be right back where we were before the Great Recession cleaned out nearly …

Continue reading “An Automatic Millionaire?”

Why the focus on the worst of the worst in today’s blog? Namely because some US states are friendlier to you, economically, than others. According to TheFinancialWord.com, New York tops the list as being the least economically friendly.  With a cost of living that is over 120% of the national average and health care costs …

Continue reading “The Worst of the Worst”

Disgusting as it is, the predatory culture of Hollywood has been well known for years.  35 years ago, a Hollywood playwright shared with me and a good friend of mine, how sex was often the price paid to land a highly desired role in the movies and/or TV serials.  So, it is mind boggling for …

Continue reading “The Predatory Culture of Hollywood And the Financial World”

I turned the key in the ignition switch but nothing.  What was going on?  Then it dawned on me.  I had been waiting for my son to get out of his appointment with the ignition off, but my lights were on.  Swoosh, there went all the reserves in my battery.  Just when I thought everything …

Continue reading “Need a Jump?”

This week a tragedy occurred in Las Vegas.  59 people were killed by a gunman.  The investigation is still ongoing. In August of 2016, 85 people were killed by a truck driver who drove them down.  In August of this year, a van driver mowed over and killed 13 people and injured at least another …

Continue reading “Fear and Violence”