This document discusses the concept of "Infinite Banking" which is presented as a strategy for becoming your own bank through the use of whole life insurance policies. It notes some key benefits as becoming the banker, borrower, and depositor which eliminates risk and turns liabilities into assets. An illustration is provided showing how purchasing cars over 40 years through policy loans and repayments results in getting all money back plus interest earnings. The strategy is positioned as allowing one to fund major purchases like education and vacations while growing wealth over the long term in a tax-advantaged manner.
This document discusses a financial strategy called Infinite Banking that allows individuals to become their own bank. It summarizes how using a specially designed whole life insurance policy can allow people to access tax-deferred and tax-free earnings, borrow from their own policy at favorable rates, and get back every dollar spent on major purchases like cars, college, and homes. The strategy aims to eliminate interest payments to banks and recapture lost opportunity costs by putting individuals in control of their own money through a "triple play" that makes them the banker, borrower, and depositor.
This document provides information about Hegemon Group International (HGI), including its mission, vision, and leadership system. It discusses HGI's founder Hubert Humphrey and his history of success in the financial services industry. The document promotes HGI's indexed universal life insurance product and compensation plan. It argues that HGI offers a better alternative to traditional retirement plans by providing tax advantages and guaranteed returns. Overall, the document markets HGI and its business opportunity to potential recruits or customers.
This document provides information about Primerica, a financial services company:
1. Primerica was founded in 1977 and now has 6 million clients in the US, Canada, and Puerto Rico, making it the largest financial services marketing organization in North America.
2. It lists major investors in Primerica and notes that its life insurance companies are rated A+ by A.M. Best.
3. The document emphasizes the importance of financial planning concepts like knowing your financial independence number, understanding the rule of 72, and paying yourself first to start saving and investing early.
Primerica is the largest independent financial services marketing organization in North America with over 100,000 licensed representatives serving more than 2 million clients and insuring over 4.3 million lives. Primerica's mission is to help families become properly protected, debt free, and financially independent through teaching money management skills and providing various financial products and services. Primerica offers a Financial Needs Analysis to assess a client's situation and provide customized solutions and programs.
Vindicated kitchen table show with jon lavinKent Fischer
- The document is from a financial services organization that has been in business since 1977 and is the largest independent financial services marketing organization in North America.
- It discusses the need for financial planning and protection based on statistics about Americans living paycheck to paycheck, having credit card and other debt, and lacking emergency savings and retirement funds.
- It promotes the organization's financial needs analysis and customized programs to help clients achieve financial goals like becoming debt free, properly protected, and financially independent through strategies like paying yourself first, using life insurance properly, and having a financial plan.
This document introduces a debt elimination and wealth acceleration workshop. It summarizes a mortgage elimination strategy that claims to pay off a 30-year, $100,000 mortgage in less than 5 years with no out-of-pocket costs. It demonstrates this using a bi-weekly mortgage payment example and compensation plan that provides payments to participants for referrals. The strategy utilizes a word-of-mouth advertising network to acquire new clients and generate income for participants.
$150
Actual Cost: $0
4. Start Building Your Business
Total Start Up Cost: $274
Actual Cost: $6,500 - $7,000
Primerica Pays For Your Licensing and Training!
This document discusses a financial strategy called Infinite Banking that allows individuals to become their own bank. It summarizes how using a specially designed whole life insurance policy can allow people to access tax-deferred and tax-free earnings, borrow from their own policy at favorable rates, and get back every dollar spent on major purchases like cars, college, and homes. The strategy aims to eliminate interest payments to banks and recapture lost opportunity costs by putting individuals in control of their own money through a "triple play" that makes them the banker, borrower, and depositor.
This document provides information about Hegemon Group International (HGI), including its mission, vision, and leadership system. It discusses HGI's founder Hubert Humphrey and his history of success in the financial services industry. The document promotes HGI's indexed universal life insurance product and compensation plan. It argues that HGI offers a better alternative to traditional retirement plans by providing tax advantages and guaranteed returns. Overall, the document markets HGI and its business opportunity to potential recruits or customers.
This document provides information about Primerica, a financial services company:
1. Primerica was founded in 1977 and now has 6 million clients in the US, Canada, and Puerto Rico, making it the largest financial services marketing organization in North America.
2. It lists major investors in Primerica and notes that its life insurance companies are rated A+ by A.M. Best.
3. The document emphasizes the importance of financial planning concepts like knowing your financial independence number, understanding the rule of 72, and paying yourself first to start saving and investing early.
Primerica is the largest independent financial services marketing organization in North America with over 100,000 licensed representatives serving more than 2 million clients and insuring over 4.3 million lives. Primerica's mission is to help families become properly protected, debt free, and financially independent through teaching money management skills and providing various financial products and services. Primerica offers a Financial Needs Analysis to assess a client's situation and provide customized solutions and programs.
Vindicated kitchen table show with jon lavinKent Fischer
- The document is from a financial services organization that has been in business since 1977 and is the largest independent financial services marketing organization in North America.
- It discusses the need for financial planning and protection based on statistics about Americans living paycheck to paycheck, having credit card and other debt, and lacking emergency savings and retirement funds.
- It promotes the organization's financial needs analysis and customized programs to help clients achieve financial goals like becoming debt free, properly protected, and financially independent through strategies like paying yourself first, using life insurance properly, and having a financial plan.
This document introduces a debt elimination and wealth acceleration workshop. It summarizes a mortgage elimination strategy that claims to pay off a 30-year, $100,000 mortgage in less than 5 years with no out-of-pocket costs. It demonstrates this using a bi-weekly mortgage payment example and compensation plan that provides payments to participants for referrals. The strategy utilizes a word-of-mouth advertising network to acquire new clients and generate income for participants.
$150
Actual Cost: $0
4. Start Building Your Business
Total Start Up Cost: $274
Actual Cost: $6,500 - $7,000
Primerica Pays For Your Licensing and Training!
The document provides information on investing and financial planning. It discusses the importance of starting to save and invest early due to the power of compound interest over time. It also explains the concept of rate of return and shows how even a small difference in return can significantly impact the growth of investments. The document emphasizes the need to have specific, written financial goals and a plan to achieve them.
This document summarizes Primerica, a financial services company that serves over 6 million clients. It discusses Primerica's mission to help families become debt-free and financially independent. The document also outlines Primerica's track record of success, paying over $622 million to its sales force in 2008. It describes the opportunities available to become a representative and earn income through sales, bonuses, and building a business network.
This document provides information about Dartnell Investment Academy, which offers real estate investment training and consulting. It describes Dartnell's experience working with major real estate investors and companies. It also highlights challenges facing retirees such as declining pensions and rising costs of living. Dartnell claims its system allows investors to profit from real estate even in difficult markets by leveraging local expertise and turnkey investment opportunities with guaranteed returns. Testimonials praise Dartnell's thorough training approach and market research techniques.
The document discusses Primerica, a financial services company, and how it offers consumers various financial products and services. It notes that Primerica has over 100,000 representatives and markets products to middle-income consumers. The document also discusses the importance of debt elimination and having adequate life insurance and retirement savings.
The document discusses proposed changes to the compensation plan for The New Builders. The key points are:
1) The compensation plan increases RVP spreads, overrides, and bonuses to incentivize building a sustainable business with long-term RVPs rather than just a single month's production.
2) Qualification requirements are based on either the current month or a rolling 3-month average to make bonuses more achievable.
3) Leadership bonuses are paid to qualified uplines up to 3 generations to reward developing a strong team.
This document summarizes tips and strategies for managing household finances and avoiding debt. It discusses signs of financial trouble, first steps to debt-proof living like creating a spending plan, and types of spending personalities. It also covers managing current debt through prioritizing payments and contacting creditors, as well as tips for attacking debt like finding extra money each month to pay down balances faster. Options for assistance programs or credit counseling are presented along with warnings about scams.
This document summarizes a marketing presentation for a financial services company called HBW. It promotes HBW's products like life insurance, annuities, and trusts which help build wealth. It highlights the growth opportunity in the industry given an aging population. Representatives can earn income from commissions on sales and build a business part or full-time with competitive products and support.
The document discusses a company called FFS that provides financial services and products to help families achieve their financial goals. It promotes FFS's business building system as a proven way for leaders to build a successful business. FFS aims to improve families' saving habits through the latest financial concepts and products. The document then outlines several problems facing Americans today such as debt, lack of savings, and retirement issues. It suggests that through FFS's services, families can gain financial security and independence.
The document discusses banking strategies and solutions for financial freedom, security, and retirement. It presents the Money Merge Account program as an alternative to traditional banking that can help eliminate debt faster through interest cancellation and optimize cash flow. The program aims to help users become their own bank by utilizing whole life insurance and other banking concepts to gain tax advantages and guaranteed returns over traditional investments.
The document is a slide presentation by Russell James on taxes including income tax, capital gains tax, estate tax, gift tax, and generation skipping tax. It provides examples to simply illustrate tax rates and how deductions affect taxable income. For income tax, it shows marginal tax rates and calculates taxes owed at different income levels. For capital gains, it distinguishes long and short-term gains tax rates. Estate and gift taxes are explained along with lifetime gift/estate tax exemptions. Generation skipping tax is described as applying to large gifts to grandchildren. Overall, the presentation aims to introduce several major US tax types in a straightforward manner using examples.
This document summarizes a new business opportunity with a company called Warranty Rewards that is disrupting the warranty industry. It offers month-to-month electronics and vehicle protection plans for a low monthly fee. This provides individuals the opportunity to start their own warranty agency for under $100. Agents can earn income from customer bonuses paid daily, monthly residuals, a regenerating matrix program, and a 25% check match on agents they enroll. The opportunity provides various lifestyle rewards as the business grows.
This document discusses retirement planning and aged care. It provides an overview of retirement income needs, including estimates that a single person will need $23,811-$41,112 annually for a modest to comfortable retirement, while a couple will need $34,499-$59,495. It also discusses aged care options like in-home care, residential care, and costs associated with each. The document stresses the importance of planning early for retirement and aged care given increasing lifespans so people can afford to fund their retirement lifestyle and future care needs.
How the FEG/COLONIAL partnership can rocket wealth on your teamMichael Grigsby
Colonial agents and regional managers need to learn about the new relationship with Freedom Equity Group. The way it changes the conversation with your clients and relationship with your agents, will drive new business and new wealth to your voluntary benefit team. This presentation is prepared by an expert on voluntary benefits. For a persona
The document discusses alternative strategies for retirement planning compared to traditional IRA and 401k plans. It argues that IRA and 401k plans are not optimal due to taxes owed upon withdrawal. Home equity loans used to fund non-qualified investments are presented as a better alternative, providing liquidity, safety, and higher returns. Multiple examples are given showing how this strategy could generate over $1 million more over 30 years compared to traditional tax-deferred plans.
Mini Case Study The Bakers Part I & IIAmanda Smith
The document provides a financial summary and counseling plan for Dean and Amy Baker. It finds that while the Bakers have adequate assets, their liquid assets, debt ratios, and spending habits need improvement. The counseling plan aims to build trust, identify overspending issues, review their financial statements, and implement a strict budget. Selling recreational vehicles and reducing gifts and clothing spending could generate $37,000+ to eliminate credit card debt and boost savings. The goal is to help the Bakers achieve their financial goals through open communication and accountability.
A Charitable Lead Trust (CLT) makes payments to charity for a set period of time, after which any remaining assets pass to non-charitable beneficiaries designated by the donor. Donors use CLTs to reduce gift and estate taxes by taking advantage of the difference between the present value of projected charitable payments and the actual growth of the trust's assets over time. CLTs allow donors to transfer wealth to heirs in a tax-efficient manner while also providing benefits to charity.
With the ups and downs of the stock and real estate markets it is difficult to know where to put your money. In this slideshare we go over the 12 keys to creating financial certainty. You will learn how to avoid market risks and how to bank on yourself with the Family Banking Plan that uses Infinite Banking.
To learn more:
Visit our website at http://www.AllianceGroupFinancial.com
Like us on Facebook http://www.facebook.com/alliancegroup
Watch videos on Vimeo http://vimeo.com/alliancegroup
Watch videos on YouTube https://www.youtube.com/user/alliancegroupfinanci
1. Research your health insurance options, including high-deductible plans paired with HSAs. These allow you to save pre-tax funds to cover medical costs.
2. Ask providers about costs upfront for routine care like checkups and common procedures. Shop around as prices can vary significantly.
3. Manage your health by maintaining preventative care, eating healthy, exercising, and avoiding risky behaviors to reduce the need for costly treatments.
Taking proactive steps to understand your health insurance options, get cost information, and manage your health empowers you to make informed choices that control rising premiums and out-
Primerica is the largest independent financial services marketing organization in North America, serving over 2 million clients and insuring over 4.3 million lives. Their mission is to help families become properly protected, debt free, and financially independent through teaching money management skills and providing financial needs analyses and products/services. Many Americans lack adequate savings, protection, and retirement plans. Primerica offers solutions like term life insurance and debt repayment programs to help clients achieve financial security.
Tax-Advantaged Real Estate Investing When You've Maxed Out Your Self-Directed...Tom Rutkowski
This document discusses using permanent life insurance as a tax-advantaged way to invest and access funds for real estate investing. It outlines how life insurance provides stable, high returns that can be borrowed against at low rates, allowing investments to earn returns in two places at once. This "micro-banking" strategy improves returns without additional risk compared to traditional real estate investing. The document uses an example of a real estate investor to demonstrate how this strategy provides higher returns, asset protection, a death benefit, and income in case of critical illness.
This document provides information about NDK Insurance Agents, including what they do, their mission, vision, and the companies they represent. They specialize in various types of retirement planning, insurance, and asset protection for individuals, families, and businesses. Their goal is to actualize clients' dreams through cutting-edge financial solutions and become the premier financial solutions provider across the nation. The document also discusses various financial planning strategies and concepts around investing, taxes, and building wealth over time through compound interest.
1. The document provides information on how to establish good credit, manage finances through budgeting, and tips for financial literacy. It discusses the importance of credit, how to build credit history, and maintaining a budget to avoid debt issues.
2. Statistics are presented on Americans' lack of financial knowledge and spending habits, including that the average American spends more than they earn and most live paycheck to paycheck without savings.
3. Information is also given on Alliance Credit Counseling, a nonprofit organization that provides financial counseling and education programs.
The document provides information on investing and financial planning. It discusses the importance of starting to save and invest early due to the power of compound interest over time. It also explains the concept of rate of return and shows how even a small difference in return can significantly impact the growth of investments. The document emphasizes the need to have specific, written financial goals and a plan to achieve them.
This document summarizes Primerica, a financial services company that serves over 6 million clients. It discusses Primerica's mission to help families become debt-free and financially independent. The document also outlines Primerica's track record of success, paying over $622 million to its sales force in 2008. It describes the opportunities available to become a representative and earn income through sales, bonuses, and building a business network.
This document provides information about Dartnell Investment Academy, which offers real estate investment training and consulting. It describes Dartnell's experience working with major real estate investors and companies. It also highlights challenges facing retirees such as declining pensions and rising costs of living. Dartnell claims its system allows investors to profit from real estate even in difficult markets by leveraging local expertise and turnkey investment opportunities with guaranteed returns. Testimonials praise Dartnell's thorough training approach and market research techniques.
The document discusses Primerica, a financial services company, and how it offers consumers various financial products and services. It notes that Primerica has over 100,000 representatives and markets products to middle-income consumers. The document also discusses the importance of debt elimination and having adequate life insurance and retirement savings.
The document discusses proposed changes to the compensation plan for The New Builders. The key points are:
1) The compensation plan increases RVP spreads, overrides, and bonuses to incentivize building a sustainable business with long-term RVPs rather than just a single month's production.
2) Qualification requirements are based on either the current month or a rolling 3-month average to make bonuses more achievable.
3) Leadership bonuses are paid to qualified uplines up to 3 generations to reward developing a strong team.
This document summarizes tips and strategies for managing household finances and avoiding debt. It discusses signs of financial trouble, first steps to debt-proof living like creating a spending plan, and types of spending personalities. It also covers managing current debt through prioritizing payments and contacting creditors, as well as tips for attacking debt like finding extra money each month to pay down balances faster. Options for assistance programs or credit counseling are presented along with warnings about scams.
This document summarizes a marketing presentation for a financial services company called HBW. It promotes HBW's products like life insurance, annuities, and trusts which help build wealth. It highlights the growth opportunity in the industry given an aging population. Representatives can earn income from commissions on sales and build a business part or full-time with competitive products and support.
The document discusses a company called FFS that provides financial services and products to help families achieve their financial goals. It promotes FFS's business building system as a proven way for leaders to build a successful business. FFS aims to improve families' saving habits through the latest financial concepts and products. The document then outlines several problems facing Americans today such as debt, lack of savings, and retirement issues. It suggests that through FFS's services, families can gain financial security and independence.
The document discusses banking strategies and solutions for financial freedom, security, and retirement. It presents the Money Merge Account program as an alternative to traditional banking that can help eliminate debt faster through interest cancellation and optimize cash flow. The program aims to help users become their own bank by utilizing whole life insurance and other banking concepts to gain tax advantages and guaranteed returns over traditional investments.
The document is a slide presentation by Russell James on taxes including income tax, capital gains tax, estate tax, gift tax, and generation skipping tax. It provides examples to simply illustrate tax rates and how deductions affect taxable income. For income tax, it shows marginal tax rates and calculates taxes owed at different income levels. For capital gains, it distinguishes long and short-term gains tax rates. Estate and gift taxes are explained along with lifetime gift/estate tax exemptions. Generation skipping tax is described as applying to large gifts to grandchildren. Overall, the presentation aims to introduce several major US tax types in a straightforward manner using examples.
This document summarizes a new business opportunity with a company called Warranty Rewards that is disrupting the warranty industry. It offers month-to-month electronics and vehicle protection plans for a low monthly fee. This provides individuals the opportunity to start their own warranty agency for under $100. Agents can earn income from customer bonuses paid daily, monthly residuals, a regenerating matrix program, and a 25% check match on agents they enroll. The opportunity provides various lifestyle rewards as the business grows.
This document discusses retirement planning and aged care. It provides an overview of retirement income needs, including estimates that a single person will need $23,811-$41,112 annually for a modest to comfortable retirement, while a couple will need $34,499-$59,495. It also discusses aged care options like in-home care, residential care, and costs associated with each. The document stresses the importance of planning early for retirement and aged care given increasing lifespans so people can afford to fund their retirement lifestyle and future care needs.
How the FEG/COLONIAL partnership can rocket wealth on your teamMichael Grigsby
Colonial agents and regional managers need to learn about the new relationship with Freedom Equity Group. The way it changes the conversation with your clients and relationship with your agents, will drive new business and new wealth to your voluntary benefit team. This presentation is prepared by an expert on voluntary benefits. For a persona
The document discusses alternative strategies for retirement planning compared to traditional IRA and 401k plans. It argues that IRA and 401k plans are not optimal due to taxes owed upon withdrawal. Home equity loans used to fund non-qualified investments are presented as a better alternative, providing liquidity, safety, and higher returns. Multiple examples are given showing how this strategy could generate over $1 million more over 30 years compared to traditional tax-deferred plans.
Mini Case Study The Bakers Part I & IIAmanda Smith
The document provides a financial summary and counseling plan for Dean and Amy Baker. It finds that while the Bakers have adequate assets, their liquid assets, debt ratios, and spending habits need improvement. The counseling plan aims to build trust, identify overspending issues, review their financial statements, and implement a strict budget. Selling recreational vehicles and reducing gifts and clothing spending could generate $37,000+ to eliminate credit card debt and boost savings. The goal is to help the Bakers achieve their financial goals through open communication and accountability.
A Charitable Lead Trust (CLT) makes payments to charity for a set period of time, after which any remaining assets pass to non-charitable beneficiaries designated by the donor. Donors use CLTs to reduce gift and estate taxes by taking advantage of the difference between the present value of projected charitable payments and the actual growth of the trust's assets over time. CLTs allow donors to transfer wealth to heirs in a tax-efficient manner while also providing benefits to charity.
With the ups and downs of the stock and real estate markets it is difficult to know where to put your money. In this slideshare we go over the 12 keys to creating financial certainty. You will learn how to avoid market risks and how to bank on yourself with the Family Banking Plan that uses Infinite Banking.
To learn more:
Visit our website at http://www.AllianceGroupFinancial.com
Like us on Facebook http://www.facebook.com/alliancegroup
Watch videos on Vimeo http://vimeo.com/alliancegroup
Watch videos on YouTube https://www.youtube.com/user/alliancegroupfinanci
1. Research your health insurance options, including high-deductible plans paired with HSAs. These allow you to save pre-tax funds to cover medical costs.
2. Ask providers about costs upfront for routine care like checkups and common procedures. Shop around as prices can vary significantly.
3. Manage your health by maintaining preventative care, eating healthy, exercising, and avoiding risky behaviors to reduce the need for costly treatments.
Taking proactive steps to understand your health insurance options, get cost information, and manage your health empowers you to make informed choices that control rising premiums and out-
Primerica is the largest independent financial services marketing organization in North America, serving over 2 million clients and insuring over 4.3 million lives. Their mission is to help families become properly protected, debt free, and financially independent through teaching money management skills and providing financial needs analyses and products/services. Many Americans lack adequate savings, protection, and retirement plans. Primerica offers solutions like term life insurance and debt repayment programs to help clients achieve financial security.
Tax-Advantaged Real Estate Investing When You've Maxed Out Your Self-Directed...Tom Rutkowski
This document discusses using permanent life insurance as a tax-advantaged way to invest and access funds for real estate investing. It outlines how life insurance provides stable, high returns that can be borrowed against at low rates, allowing investments to earn returns in two places at once. This "micro-banking" strategy improves returns without additional risk compared to traditional real estate investing. The document uses an example of a real estate investor to demonstrate how this strategy provides higher returns, asset protection, a death benefit, and income in case of critical illness.
This document provides information about NDK Insurance Agents, including what they do, their mission, vision, and the companies they represent. They specialize in various types of retirement planning, insurance, and asset protection for individuals, families, and businesses. Their goal is to actualize clients' dreams through cutting-edge financial solutions and become the premier financial solutions provider across the nation. The document also discusses various financial planning strategies and concepts around investing, taxes, and building wealth over time through compound interest.
1. The document provides information on how to establish good credit, manage finances through budgeting, and tips for financial literacy. It discusses the importance of credit, how to build credit history, and maintaining a budget to avoid debt issues.
2. Statistics are presented on Americans' lack of financial knowledge and spending habits, including that the average American spends more than they earn and most live paycheck to paycheck without savings.
3. Information is also given on Alliance Credit Counseling, a nonprofit organization that provides financial counseling and education programs.
The document describes the Money Merge Account program, which uses mathematical principles to help people pay off debts faster and save on interest. It works by strategically moving money between accounts to take advantage of interest accumulation, float, and cancellation. Experts endorse the program for its ability to save tens of thousands in interest and help people become debt free and accumulate wealth years earlier than traditional repayment plans.
The document discusses strategies for building wealth through home equity. It presents the story of two brothers, Brother A who believes in paying off his mortgage quickly, and Brother B who takes a long-term mortgage and invests the difference. After 5, 15, and 30 years, Brother B has significantly more savings and wealth due to tax savings, equity growth, and investment returns on the money not spent on extra mortgage payments. The document advocates taking out a large mortgage and investing the equity rather than paying extra to pay off the loan early.
This document provides an overview of a beginner's guide to wealth building workshop. It discusses starting a personal investment plan and contributing to defined contribution plans like 401(k)s to save for retirement. It emphasizes the importance of tax shelters and gauging your investment attitude. Sample budgets are provided to help with financial planning. The workshop also discusses creating a balance sheet to track assets and liabilities, and starting the savings habit by paying yourself first. Later sections cover various investment vehicles like stocks, bonds, mutual funds and their associated markets and indexes to consider for building an investment portfolio.
This document promotes a financial strategy company that claims to provide experts to help customers get an "instant pay raise" through tax reduction strategies, credit restoration, debt elimination, and wealth generation services. It details the company's membership program which includes tax, credit, debt, and wealth advisors. It also promotes the opportunity to refer others and earn daily bonuses and overrides through the company's multi-level marketing compensation plan. The goal is to build a team of customers and representatives to earn residual income from the fees paid by members and bonuses from those enrolled underneath you.
Living Debt Free and Truly Wealthy By Bill ConstainBill Constain
This document provides an overview of strategies to help families achieve financial goals such as reducing debt, growing savings, ensuring safety of principal, minimizing taxes, and having liquid assets. It discusses how traditional financial planning advice is no longer sufficient given today's economic environment. Common concerns families have around finances are identified. The document then introduces two concepts - smart debt management and breaking away from the tax trap - to help families better manage their money. It argues that qualified retirement plans subject savings to high taxes and market risk, whereas alternative strategies could provide tax-free income and eliminate risk of loss. The document promotes meeting with a financial advisor to discuss how these concepts could be applied to an individual's specific situation.
Affordable Property Investments helps people grow their wealth through property investment. It is owned by Rohan Birmingham, who has experience in property development and management. The company's goal is to create a network of experienced property investors and professionals to provide services like research, education, financing and management to help members invest successfully in properties for long-term capital growth and cash flow.
The document discusses a software program called the Money Merge Account (MMA) that helps homeowners pay off their mortgages much faster by leveraging the interest-canceling effects of a home equity line of credit (HELOC). It provides examples of families eliminating 30-year mortgages in 10-12 years while maintaining their standard of living. The MMA software analyzes users' financial situations and recommends monthly funds transfers and prepayments that reduce interest costs substantially.
I've been able to pay off $24,000 in principal in just 18 months and am on track to be completely out of debt in 13 years. Would you like to know how I'm doing it? See how this innovative software program along with personal coaching can help you get out of all debt in 1/2 to 1/3 the time without having to refinance, make bi-weekly payments and with little to no change in your standard of living. Use the money you save to build up your retirement portfolio, go on vacation or buy a second or investment property. Free analysis will tell you the exact month and day you can begin living your dreams of financial freedom!
The document discusses a company called FFS that aims to help families achieve financial security and build wealth through various financial products and services. FFS provides an opportunity for individuals to build their own business with the company with no major investment, franchise fees, or risk of job loss. The company educates customers on financial concepts like compound interest and maximizing tax advantages to help them better understand how to protect and grow their savings over time.
Could Traditional Financial Advice Be Outdated?jimkipp
Jim Kipp, a financial strategist, presented on strategies for building and protecting wealth. Traditional advice may be outdated and greatest threats include taxes, inflation, and market risk. Inflation especially undermines savings over time. Safe strategies include asset allocation tailored to each person's age and risk tolerance. Products like fixed indexed annuities can provide upside potential with downside protection. Proper planning is needed to avoid taxes eroding retirement savings and to create generational wealth that passes tax-free. The presentation proposed using a checklist and wealth index survey to help people make better financial decisions.
This document provides an overview of reverse mortgages, including their market potential, key features, and strategic uses. It discusses how reverse mortgages can provide purchasing power for home buyers age 62 and older. The document compares reverse and traditional mortgages, dispels common misconceptions about reverse mortgages, and shows examples of how a reverse mortgage could help buyers purchase a home with no monthly mortgage payment. It also outlines the growth of a reverse mortgage line of credit over time and potential strategic uses of the funds. The presentation aims to educate real estate professionals on reverse mortgages so they can better serve clients.
Opportunity of a lifetime. Part time. Side hustle. Career. Business. 6-figure. Beach money. Money while you sleep. Passive Income. Financial Freedom. John Gamboa
Everyone can benefit from starting their own private equity bank. All that is needed is the ability to contribute monthly installments or a large lump sum coupled with monthly deposits. You can start your own bank for as little as a few hundred dollars a month. How simple is that?
What can you use your bank for?
Anything! You can purchase real estate, cars, vacations, college tuition, fund retirement, purchase investments, businesses, etc. Whatever your interest or needs are, the money is there for your convenience.
What are the benefits of being your own banker?
Simply put…financial independence.
You will no longer depend on financial institutions to borrow money or grow your wealth. You will never pay interest to a financial institution again. This is on your own terms!
Contact Kagan Financial for more information: 1.800.774.0945
The document discusses the changing financial landscape and opportunities with life insurance. It notes that fees can significantly reduce retirement savings over time. Life insurance is positioned as a better alternative due to lower fees, tax advantages, living benefits and ability to access funds penalty-free. The document argues that with the right strategy, life insurance can provide greater returns and income than other options like 401ks. It also discusses opportunities for referral agents.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
1. INFINITE BANKING BECOME YOUR OWN BANK The New 200 YEAR OLD Life Changing Secret to Growing and Protecting Your Financial Future
2. You Need To Know… This presentation will discuss certain financial strategies. Any information obtained during the course of this meeting may be used for the solicitation of life insurance and/or annuity products by a properly licensed insurance professional. Any discussion of the tax treatment of products and services discussed within this presentation are based on our current understanding of tax laws and regulations, which are subject to change. Such information is presented for educational purposes only, and should not be relied upon as professional tax advice. You should always consult your personal tax advisor or attorney
3. CAN THIS HAPPEN TO YOU? Suppose what you thought to be true regarding paying off debt and saving for retirementturned out not to be true. WHEN WOULD YOU WANT TO KNOW???
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5. Turn your back on the stomach-churning twists and turnsof the stock and real estate markets.
6. Get back every penny you pay for your cars, vacations, a college education, and other major purchases, so you can enjoy more of your life.
7. Become your own source of financing and recapture the interest and principal you pay to banks.
13. IS YOUR 401(k) UNDER WATER? “The ugly truth, is that the 401(k) is a lousy product, a financial flop, a rotten repository for our retirement reserves. In what must seem like a cruel joke to many, the accounts proved the most dangerous for those closest to retirement. This isn’t how retirement was supposed to be.” - October 19, 2009
14. Stomach-Churning Twists & Turns of the Stock Market $100,000 Invested in the S&P 500 1-1-2000to 12-31-2009 (10 Years) Value $ 91,000 -0.99% 1-1-2002 to 12-31-2009 (7 Years) Value $113,000 +1.56% 1-1-2006 to 12-31-2009 (3 Years) Value $ 97,000 -0.66% 1-1-2008 to 12-31-2008 (1 Year) Value $ 63,000 -37.0% 1-1-2009 to 12-31-2009 (1 Year) Value $ 127,000 +27.0% “I feel like I was closer to retirement at age 40 than I do now at age 50.” Major Brokerage Company Advertisement October, 2009 *Figures from www.moneychimp.com
16. $100,000 Invested in the S&P 500 1-1-2000to 12-31-2009 (10 Years) Value $ 91,000 -0.99% 1-1-2002 to 12-31-2009 (7 Years) Value $113,000 -1.56% 1-1-2006 to 12-31-2009 (3 Years) Value $ 97,000 -0.66% 1-1-2008 to 12-31-2008 (1 Year) Value $ 63,000 -37.0% 1-1-2008 to 12-31-2009 (2 Years) Value $ 80,000 -10.7% Q1: With regard to your $100k invested in 2008, what return would you need to get back to even? 59% Q2: Do you think the next 10 years will perform better or worse than the last 10 years? *Figures from www.moneychimp.com
17. So…What’s the Number One Problem Keeping Us From Attaining the “Great American Dream?” THE INTEREST VOLUME WE PAY ON OUR DEBT!
18. “You finance everything you buy. You either payinterest to someone else, or you give up interest you couldhave earned somewhere else. There are no exceptions.” -Nelson Nash-
19. KEY CONCEPT Interest Volume: Finance a purchase; you pay interest to a bank. That money is gone forever and will never earn you anything. 2. Lost Opportunity Cost: You give up interest or investment returns you have earned could somewhere else, even if you pay cash.
20. Family Income $100,000 - $30,000 (income tax) = $70,000 after tax $70,000/12 months = $5,833/month $2,046/$5,833 = 35% The average family spends 34.5% of after tax dollars in Interest payments! It’s Not the Annual Percentage Rate… It’s the VOLUME of Interest
21. INTEREST VOLUME HURTS $70,000 After Tax Income $34,500 Interest Volume $30,500 Living Expenses $5,000 Savings What rate of return does your $5,000 Savings have to earn to make up for the $34,500 spent on Interest?
22. INTEREST VOLUME HURTS $70,000 After Tax Income Most advisors focus on getting a higher Return on Money $34,500 Interest Volume $30,500 Living Expenses $5,000 Savings Fixing the 34.5% Interest Volume Problem Will Allow More Money For Retirement 690% Return needed on $5,000 Savings to make up for $34,500 Spent on Interest!
23. THE UNIVERSAL PROBLEM Current Solution: Borrow money from a financial institution. Result: BetweenInterest Volume and Lost Opportunity Cost, the average family is in a Modern Day Financial Prison. Better Solution: Reduce Interest Volume and Recapture Lost Opportunity Cost by: BECOMING YOUR OWN FAMILY BANK!!!
24. Do banks make money? Bauer Financial, Inc. BANK GROSS PROFIT: BANK NET PROFIT: DEFAULT RATE:
25. CREATING YOUR OWN BANK MAKE YOURMONEY WORK FOR YOU! Get Money Flowing to YOU… Not AWAY from you!
30. A Properly Structured Whole Life Insurance ContractWHICH FUNDING VEHICLE PERFORMS THE BEST?
31. Why a properly structured whole life insurance contract is the best vehicle to fund your family bank We use a specially designed, very specific type of policy.
32. Do What The Banks D0 Tier One Assets (Core Reserves) Cash Treasury Bills Precious Metals Whole Life Insurance (BOLI)
34. Hereis Your Chance to be ALL THREE The Banker The Borrower The Depositor Thistriple play ELIMINATES RISK and turns liabilities into ASSETS. Most importantly, it puts YOU in control of YOUR MONEY!
35. The Infinite BankingWhole Life Concept Sound / Timeless Economic Principals Guaranteed Earnings and Predictable Growth Non-Guaranteed Annual Dividends Current U.S. Tax Laws Interest & Dividends Grow Tax Deferred Earnings Can be Accessed Tax Free Benefits Creditor Proof; Liquidity of Funds Death Benefit is Tax Free Can be Estate Tax Free
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38. How To Get Back Every Penny You Pay For Major Purchases CARS BOATS COLLEGE VACATIONS EVEN YOUR HOME
42. The INFINITE BANKER WAYFar more money will leave your home just to buy cars over your lifetime than most people ever manage to save up for retirement!
43. OPTION1: LEASE Monthly Payment $416.00 Interest $57.57 Loan Rate 7.5% 40 years, New Car, Every 4 years Total Cash Paid $199,680 Lost Opportunity Cost @6% $832,602 TOTAL COST $1,032,282 -$1,032,282 $0.00 ($200,000) ($400,000) ($600,000) ($800,000) ($1,000,000) ($1,200,000) ($1,400,000) ($1,600,000) ($1,800,000) Total Cash Paid Lost Opportunity Cost $103,228 Ave. Cost Per Car Over 40 Years!
44. OPTION 2: FINANCE Monthly Payment $604.00 Interest $84.00 Loan Rate 7.5% 40 years, New Car, Every 4 years Total Cash Paid $289,920 Lost Opportunity Cost @6% $1,208,874 TOTAL COST $1,498,794 -$1,498,794 $0.00 ($200,000) ($400,000) ($600,000) ($800,000) ($1,000,000) ($1,200,000) ($1,400,000) ($1,600,000) ($1,800,000) Total Cash Paid Lost Opportunity Cost $149,879 Ave. Cost Per Car Over 40 Years!
45. OPTION 3: PAY CASH $0.00 ($200,000) ($400,000) ($600,000) ($800,000) ($1,000,000) ($1,200,000) ($1,400,000) ($1,600,000) ($1,800,000) YOUR CAPITAL 40 years, New Car, Every 4 years Total Capital Paid $250,000 Lost Opportunity Cost @6% $1,116,575 TOTAL COST $1,366,575 -$1,366,575 Total Cash Paid Lost Opportunity Cost $136,657 Ave. Cost Per Car Over 40 Years!
46. The power of Compound Interest *From Dwayne Burnell’s “A Path to Financial Peace of Mind” pg. 9
51. Male, Age 25, Preferred Non-Smoker (For Illustrative Purposes Only) Cumulative Cash Outlay Net Death Benefit Age Year Premium Loan Amount Net Cash Value Total Premiums Paid: $374,600 Total Car Payments Paid: $300,000 Cumulative Cash Outlay: $674,600 74 49 0 80,000 2,157,111 1,309,899 674,600 0 674,600 80,000 75 50 0 80,000 2,124,821 1,292,023 80,000 76 51 0 80,000 2,089,503 1,272,259 80,000 77 52 0 80,000 2,050,981 1,250,354 80,000 78 53 0 80,000 2,009,197 1,226,038 80,000 79 54 0 80,000 1,964,065 1,198,878 80,000 Total Car Loans: $250,000 ($25,000 x 10 Cars) Cash Value at Age 70: $1,375,923 Retirement Income to Age 90: $1,680,000 ($80,000 x 21 Years) Cash Value at Age 90: $605,959 Death Benefit at Age 90: $1,175,250 80 55 0 80,000 1,915,468 1,168,564 80,000 81 56 0 80,000 1,863,164 1,134,737 80,000 82 57 0 80,000 1,806,908 1,097,043 80,000 83 58 0 80,000 1,746,266 1,055,235 80,000 84 59 0 80,000 1,680,952 1,008,977 80,000 85 60 0 80,000 1,610,669 957,730 674,600 80,000 90 65 0 80,000 1,175,250 605,959 674,600 80,000 605,959 1,175,250 674,600 95 70 0 0 674,600 515,411 1,023,167 100 75 0 0 737,402 277,367 674,600 ALL INCOME TAX FREE!
52. OPTION 4: BE YOUR OWN BANK $3,250,000 $3,000,000 $2,750,000 $2,500,000 $2,250,000 $2,000,000 $1,750,000 $1,250,000 $1,000.000 $ 750,000 $ 500,000 $ 250,000 IT’S YOUR CHOICE! Lease -$1,032,282 Finance -$1,498,794 Pay Cash -$1,366,575 4. INFINITE BANKER Cash Outlay $674,600 Total Retirement: $1,680,000 Insurance Benefit: $1,175,250 Total Benefit: $2,855,250 Plus the use of 10 cars for 40 years! Life Insurance Benefit At Age 90 Retirement Income For 21 Years
60. PayTax on the seed now… and get all the corn TAX FREE!!!
61. QuestionstoCONSIDER If you are age 50, on a scale of 1 – 10 (10 being the highest) where are you now with your financial security?
62. QuestionstoCONSIDER 2. What are you going to do in the next 15 years, that you haven’t done in the past 30 years, that is going to get you to a 10?
63. CAUTION: The Infinite Banking Concept is about building a solid financial foundation and a secure future. You’re not going to see those thrilling spikes, but you’re also not going to have those unpredictable, heart-stopping losses that inevitably follow. It is notfor everyone and is a long term strategy that requiresdisciplineand patience, but it will… SET YOU FREE!
64. TAKETHE NEXT STEP Review your Personal Situation. Create a Funding Strategy…we help with a Free Initial Analysis. Create your Personal Strategy. See if you Qualify. Open your Family Bank.
65. HERE IS YOUR CHANCE TO FREE YOURSELF FROM FINANCIAL PRISON! FAMILY?orBANK?
New Asset Class – Life Insurance, “Who Woulda Thought?”This is a new phenomenon in the investment world. Life Insurance has been added as a new asset class and should be a part of your portfolio.
New Asset Class – Life Insurance, “Who Woulda Thought?”This is a new phenomenon in the investment world. Life Insurance has been added as a new asset class and should be a part of your portfolio.