The craze in insurance sales these days is Index Universal Life Insurance (IUL). And for good reason. The insurance companies that sell the stuff, reduce their risk by passing that risk on to you (Whereas they willingly assume this risk when they issue a Participating Whole Life Insurance Policy (PWLIP) to you). Insurance companies are …

Continue reading “Can You Trust Historical Index Averages?”

2018…It was a year that recorded multiple historic highs as well as the largest single-day gain in history. But it turned into a loss for most investors. In fact, according to MarketWatch, 90% of the 70 asset classes cited in the Wall Street Journal posted negative returns for the year.  The previous worst time in …

Continue reading “The Worst Year Since 2008 On Investments”

It has now been over 10 years since the market crash of 2008.  And during the past decade, many have been lulled into believing that the high yields they have earned during that time are sustainable.  People have, once again, come to trust in dividend-paying stocks as safe and secure investments because they have forgotten …

Continue reading “If You’re Not Apprehensive, You’re Not Paying Attention”

So many had great expectations for a huge Bull Market to pull them through in 2018.   The sorry thing is, the bull never showed up.  Markets simply did not make higher moves that were sustainable. And so, the market of 2018 ended up almost where it started on January 2, 2018.  This has left many …

Continue reading “The 2018 Bull Market That Didn’t Happen”

The Federal Reserve is at it again.  Raising interest rates, as if they have some crystal ball that tells them what only God could know, what is a fair and authentic interest rate. Here’s the crux of the matter.  The U.S. monetary system depends on deposits, loans, and interest to fuel it.  If the Fed …

Continue reading “Your Retirement Plan Is Getting Shoved Around again, but here is How You Can Prevent It”

Ouch!  The market had a hiccup last week giving up nearly all the gains it attained over the summer. Now, maybe you don’t have enough in the market to worry about that hiccup or maybe you have enough invested that you now feel you need to hold on until this market recovers and you regain …

Continue reading “How to Protect Your Gains”