Kirjahaku

Make sure you teach your kids how to create wealth the easy way. My parents were not investors. At my first job, I had no clue which investment option to use for my 401k contribution and company match. The HR person told me to put it into the 'safe' stable value fund. That was the worst choice at my age I learned later when I got my securities licenses. If I had followed their advice I would have ended up with $150,000 instead of a Wealth Reserve of $877,233 about 33 years later. We have used this 'Wealth Reserve' as I call it to have funds to use low-cost high-deductible insurance, to buy two homes and 5 cars with higher down payments or cash, and now to receive $2,500 a monthly in retirement supplement.

Our current situation: 86% of high school seniors think that the best long term growth investment is a savings account. (Jump Start 2006) Our proposed solution: Use a simple tax-FREE account called a Wealth ReserveTM to learn how to invest for long-term growth. This Wealth ReserveTM can provide $160,000 annual income for life with NO income tax. This Wealth ReserveTM can provide real "lifestyle" security. This Wealth ReserveTM can self-insure and self-fund financial needs saving $3,000 every year. This Wealth ReserveTM takes advantage of the miracle of compounding-$250 a month becomes $2,000,000 over time. Start today Every year you delay costs you $100,000 later. As a young person in the early 21st century, you know that the pace of change has quickened. Your parents went to work in a growing economy that provided a decent living for anyone with 12 to 16 years of general education. Some of them were even given a guaranteed retirement income. They receive Social Security too. All that has changed. You are now on your own.

Our current situation: 86% of high school seniors think that the best long term growth investment is a savings account. (Jump Start 2006) Our proposed solution: Use a simple tax-FREE account called a Wealth ReserveTM to show teens how to invest for long-term growth. This Wealth ReserveTM can provide $160,000 annual income for life with NO income tax. This Wealth ReserveTM can provide real "lifestyle" security. This Wealth ReserveTM can self-insure and self-fund financial needs saving $3,000 every year. This Wealth ReserveTM takes advantage of the miracle of compounding-$250 a month becomes $2,000,000. Start them early Every year they delay costs them $100,000 later. As an educator, you know that the pace of change has quickened. Older generations went to work in a growing economy that provided a decent living for anyone with 12 to 16 years of general education. Some of them were even given a guaranteed retirement income. They receive Social Security too. They did not need to understand how saving and investing worked long-term. All that has changed. Young adults really need your help NOW.

Long-term care insurance is expensive Insurers keep raising rates Almost a third of owners have to stop paying Most of us will never need it There are better alternatives Do Not Buy a LTCi policy before you compare alternatives LTCi policies average about $2,500 a year but they don't cover the full cost of care-averaging $87,235. Most sellers recommend starting before age 65 while we are still healthy and insurable but we will pay more. Like all disability insurance, we are paying for something that we may not need at all. Unlike the cost of a major medical operation covered by our comprehensive health care plan, the cost of long-term care can be estimated fairly accurately. With a 13% and 4% chance of spending 2+ years in a nursing home for women and men respectively, the average cost will be about $200,000. If we can stay at home, a home health aide costs about $20,000 a year. The average policy costing $2,500 a year will NOT cover all expenses. Depending on the institution we check into, daily costs are $250 a day or more. There are other medical costs-either out of pocket or a Medigap policy-that Medicare does not cover. There are other medical expenses on top of that. Because we are buying coverage for some period in the future-perhaps 30 years away-we must plan for inflation. Our $250 a day coverage may be worth only $120 while the price of care goes up annually. Some folks buy inflation protection with their policy but this just raises the price to perhaps $3,000 a year.

Do you really need it? Save $17,970 when you really need it. Create a Wealth ReserveTM to self-insure your risks. Accumulate $100,000 in 15 years to protect your assets. Why do you need life insurance? Are you protecting your family? Are you paying more than you need to pay? In the 21st century, you can purchase all your financial needs at a substantial discount, some to 100%. I will show you how to buy value-"quality at the right price." Avoid commissions and fees. Build your own wealth. You may be paying more premium than you need to. You may be paying for things in your policy you don't even want. You are probably using companies that are in business to serve their agents and their stockholders more than to serve you. When you use our suggestions and start saving premium every year, you can build your Wealth ReserveTM. This fund can help you save even more by using the strategy most businesses use to save on insurance. They self-insure some of their risks and save big. Most businesses pay less for their insurance needs by using their own interest-earning accounts to pay for small losses, if they occur. You can do the same with your Wealth ReserveTM. You build your Reserves, not your insurers' reserves. Like most businesses, you can develop your own "lifestyle" security. Instead of paying for insurance you don't need, you tailor it to your way of living. For instance, you probably pay for a death benefit in your car insurance policy. If you already own low-cost term, you don't need to pay the high rates from your auto carrier. Considering life insurance, many people overpay for life because they did not shop around when they were told they needed it. You may not even need it. You probably used an agent from a name-brand company. You did not know that the cost of the same coverage can vary by over 300%.