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Archive for January, 2013

Who else wants to be a Millionarie.?

January 13, 2013 Leave a comment

“Who Else Wants To Be A Safe Money Millionaire …

       

On Your Current Income!”

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EXCELLENT VIDEOS TO WAS – ABOUT 5 MINS EACH.- WHERE IS THE ECONOMIC FUTURE GOING???

 
 
 
 
 
 
Now a modern day Willy Sutton is robbing retirements across america. 
Find out how to protect yourself from this imposter
FREE BOOK ON BECOMING FINANCIAL INDEPENDENT,
JUST CALL OF EMAIL US & IT WILL SHIP IN TWO DAYS.

It is possible to grow wealthy, even during bad economic times,
when you follow a proven blueprint!

                       Have you ever ...     Felt frustrated seeing money disappear in the market?

                   Concerned that you don’t know where to put your money to keep it safe?

                        Worried about making ends meet with the high cost of living; kids, cars, homes,

                          credit cards, bills and taxes?

The book “Safe Money Millionaire” could arm you with the information you need to solve these problems …

However, the book itself can never give you a PERSONALIZED plan to help you
achieve your goals
.

For that it takes a more personal approach. Thats why I’ve been trained as a Safe
Money Millionaire Advisor to create a unique BLUEPRINT
. .. just for you so you can get
on the path to becoming a Safe Money Millionaire.

In this no obligation blueprint I could help you discover:

  • How to find — on average — $312 per month you are currently wasting (It’s like giving yourself a $3744 per year raise without working any extra hours.)
    • A proven blueprint to show you how to create an income you can never outlive. (Imagine knowing you have an income for the rest of your life!)
  • 3 ways to protect yourself from the ravages of tax increases! (This powerful strategy is the difference between growing YOUR wealth … or funding Uncle Sam’s spending spree.)
  • “The Power Down Pian”: How to payoff all your debt in 9 years or less. (Imagine that wonderful day when you own everything free and clear … including your mortgage.)
  • The 117 year old ‘secret’ life insurance and ‘safe money’ financial tools that allow you to keep your money safely out of the market...while growing EVERY YEAR guaranteed.

WARNING: What you are going to discover is NOT what Wall Street and traditional guru’s preach … so be ready for a totally different approach!

If you’re fed up with the roller coaster and want a safe way to grow your wealth … this may be a good option for you. (It’s not for everyone. If it’s not for you, I’ll won’t waste your time or mine, I’ll just let you know and we’ll part friends.)

Remember, there’s no obligation. I’ll be happy to answer your questions and give you a blueprint that could help you solve the biggest concerns and issues in your life today. I think you’ll find it extremely exciting and liberating to see there is some light at the end of the financial tunnel!   

 Please give me a call at 800-797-1594 and we can create a Personalized Blueprint just for you and your family. James B . Driscoll,

Qualified Safe Money Millionaire Advisor 

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Categories: Economic Update

CPA’s say Life Insurance Great Option, Great Returns & Tax-Free Income

January 10, 2013 Leave a comment

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Categories: Economic Update

Indexed UL – Perfect for the Professionals

January 10, 2013 Leave a comment

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IUL3-

Categories: Economic Update

Indexed Ul as a Tax-Free Retirement

January 10, 2013 Leave a comment
Categories: Economic Update

Why you should purchase an Equity Indexed Annuity

January 10, 2013 Leave a comment

Why You Should Purchase an Equity Indexed Annuity

James B. Driscoll

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Published January 02, 2013

Sometimes, people can be so afraid of being sold something that they strangle their own deductive reasoning. I had a meeting with a handful of our affiliated agents last week. One of the agents said, “Carter, if people actually understood the mechanics of an Equity Indexed Annuity, everyone would purchase one!” I told him he was absolutely correct. If people really took the time with an open mind to think for themselves and analyze the facts, there is no question more people would be preaching the news of Equity Indexed Annuities. Right then, another agent spoke up and said, “The problem is that as insurance agents, people look at us like used car salesmen trying to sell them a car with sawdust in the engine.” The purpose of this article is breakdown some of the misconceptions of annuities, throw a few facts on the chalkboard, and motivate you to think for yourself.

First, let’s begin with your current plan for financial independence and kick the tires of your current nest egg. At this time, I would like you to grab a pen and, either on the back of this article or on a separate piece of paper, answer these questions:

  1. What are the current fees you are paying to have your money managed? (And I mean everything, not just the “management fee,” but also the administration fees, fund fees, transaction fees and other expense fees.)
  2. What is the average rate of return and the actual rate of return since the inception of your account? (If you do not know the difference, please stop and read page 41 of “The Retirement Miracle” by Patrick Kelly. The book is available for free on my website at www.pacinsgroup.com.)
  3. What will your projected Social Security benefit be and what percentage of your nest egg do you plan on spending per year when you retire? (For example, 5%, 10%, 15%?)
  4. How much of your nest egg are you willing to lose? What guarantees does your current retirement plan have to protect you from market losses when the next crisis hits?

Now, after you look at your answers, if I show you a product that does not charge you a management fee out of your pocket and will have the same average return and actual return; a product with which you can take up to 10% per year with no surrender penalty and gives you upside potential to the market with no downside exposure, would that be something that might interest you?

I feel there are 4 major benefits when it comes to Equity Indexed Annuities.

  1. Protection against principal loss. Meaning: if the index goes down, you don’t lose a penny.
  2. The power of the annual reset feature. This allows you to lock in gains every year the index is positive!
  3. Low or NO management fees.
  4. Guaranteed income for life (with the guarantee income rider).

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At this point you may be thinking, “Well, if this is such an amazing place for me to put my money, why haven’t I heard about it?” This is probably my favorite question people ask, because I get to respond back with, “Where would you hear about such a product?” Wall Street? Nope! Your financial advisor who happens to be under the influence of Wall Street? No! Your CPA? I don’t think so! It is too risky for them to step out on this branch from a liability side because they are not insurance or securities licensed. The point I am trying to make is to look at the facts on the chalkboard! It is not about me, Wall Street, the financial advisor, CPA, or anyone else. It is about what is best for you! What product do you feel suits you best? Sometimes, it’s a variety of strategies depending on people’s risk tolerance.

The biggest fear of retirees is outliving their money. In the past, people could live on social security and interest on their savings because the rates of return were in the double digits. With the current 1% or 2% rates of return, there is a strong possibility that you will have to invade the principal of your savings. This could prove to be catastrophic if you live to long. How much of your savings must you deplete each year to maintain a standard of living that is acceptable to you? Yes, there are surrender charges with annuities, but this typically applies if you take more than 10% per year. How many people are going to spend more than 10% per year of their qualified retirement plan?

In conclusion, where can you get the potential for an inflation-beating return and have 100% protection against market risk of not only your principal, but also of all your previous years of gains? For the past 12 years, our clients have enjoyed the guarantees annuities provide, along with the upside potential of market indexes. Call or email me to set up a free consultation, have a cup of coffee and discuss your personal situation. I look forward to it!

http://www.jamesbdriscoll.com

http://www.jamesbdriscoll.wordpress.com

jamesbdriscoll@gmail.com

Categories: Economic Update

Taken to Task: A Poverty of News, an Embarrassment of Media

Taken to Task: A Poverty of News, an Embarrassment of Media

By James B. Driscoll, 16 hours ago

48 Contiguous States and the District of Columbia
% Gross Yearly Income
Family Size 
 25% 50% 75% 81% 100% 133% 175% 200% 250% 300%
1 -$2,723 $5,445 $8,168 $8,821 $10,890 $14,484 $19,058 $21,780 $27,225 $32,670
2 -$3,678 $7,355 $11,033 $11,915 $14,710 $19,564 $25,743 $29,420 $36,775 $44,130
3 -$4,633 $9,265 $13,898 $15,009 $18,530 $24,645 $32,428 $37,060 $46,325 $55,590
4 -$5,588 $11,175 $16,763 $18,104 $22,350 $29,726 $39,113 $44,700 $55,875 $67,050
5 -$6,543 $13,085 $19,628 $21,198 $26,170 $34,806 $45,798 $52,340 $65,425 $78,510
6 -$7,498 $14,995 $22,493 $24,292 $29,990 $39,887 $52,483 $59,980 $74,975 $89,970
7 -$8,453 $16,905 $25,358 $27,386 $33,810 $44,967 $59,168 $67,620 $84,525 $101,430
8 -$9,408 $18,815 $28,223 $30,480 $37,630 $50,048 $65,853 $75,260 $94,075 $112,890More than 49 million Americans, or 16% of the population, were living in poverty in 2010, the government reported this week.  Rising poverty is a national tragedy and a brewing humanitarian crisis in America...

The poverty figures released this week came after the U.S. Census Bureau adjusted the way in which it calculates poverty using the new Supplemental Poverty Measure. Instead of just tripling a family’s minimum annual food budget, as previously, this new measure looks at how much families spend on food, shelter, clothing and utilities. You know, life’s basic necessities.

Most groups saw their poverty rates increase using the new calculations, including married couples, whites, Asians, immigrants, homeowners with mortgages, those with private health insurance and the elderly. Poverty rates among those over 65 rose to 15.9% from the previously reported 9%. Poverty rates did, however, drop for Americans under the age of 18, African Americans, renters and people living in rural areas.

I didn’t hear one word about this during the Republican Debate on Wednesday and you probably didn’t hear much about it either, unless you happened to catch former President Bill Clinton make a brief mention of it on The Daily Show with Jon Stewart, who turned it into a joke about the sexual harassment charges being levied at Herman Cain.

It’s Jon Stewart’s job to make light of serious issues, but I’d like to take the rest of the so-called serious media to task for burying this story.

I get that poverty is a depressing topic and a change to how it’s measured is a complicated story to tell. But I’ve never had a viewer tell me they want LESS depth or more ‘infotainment.’

More than ever Americans want news organizations to focus on the hard stuff…instead of the salacious (Victoria Secret‘s runway show), the sensational (Sharon Bialek’s press conference), the sophomoric (Rick Perry’s ‘oops’ gaffe) and the ridiculous (anything about the Kardashians) developments that pass as “news” in our society.

In his brilliant show “The Agony & The Ecstasy of Steve Jobs,” Mike Daisey talks about how working conditions remain brutal at Apple’s Foxconn plant, but we don’t hear about them anymore because of Chinese censorship. If the ‘media echo chamber’ pings for news and doesn’t hear a response, it moves on to the next story, he observers.

In these difficult times, and especially on Veterans Day, it’s important for all of us to be aware of the messages we’re sending to the media in the stories we watch, share, favorite and Tweet about.

Those among us — journalists and civilians alike — who ignore the hard realities of American life and get lost in what should be the minor distractions. You’ve been taken to task.

Again just a short word~to thank all you veterans who have served our country that we might be and keep out free GOD based society and enterprise.

Categories: Economic Update