Archive for May, 2015


171 If We All Got an Inheritance, We’d All Be Rich

  In this week’s “live from the coast of Georgia” episode, we’re talking about: Why Elite Colleges Don’t Guarantee Success How the Rich Got Rich Is the 401k to Blame? Your financial advisor has vanished Not much else to add this week…somebody’s gotta get some sand between their toes. As always, if you have questions […]

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Blended Whole Life Insurance versus the Stock Market

About two years ago, we put out an article with real historical results of a blended whole life policy. The policy was shared on the Bogleheads forum (of all places). The compound annual growth rates of that policy and the S&P 500 were close. But, I made a mistake in my comparison…

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170 Spend More, Save Less

It seems like episode 170 is all about psychology and how people think about things related to money. Well, at least that’s what we were shooting for…I think. Of course we’d all like to think that we’re 100% logical when it comes to planning our finances but as you’ll learn by listening, that’s just not […]

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Five-Year Whole Life Insurance Company Investment Yield Trend: 2015 Edition

A life insurance company’s yield on assets is a great metric to watch with respect to inferences concerning the cash performance within policies. Since life insurers use the yield achieved on managed assets to support policy benefits this statistic is of extreme importance to us especially when we focus on cash accumulation values within a […]

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169 Remember the Bondex?

In episode 169 of the Financial Procast we re-visit the Bondex. For those of you that have no idea what that means, you could go all the way back here and listen to the original episode. Be warned, it was one of the first recordings we made…sound quality is not great. The first half of today’s show […]

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Paid Up Additions: How to Create Flexible Whole Life Insurance

The fixed premium in whole life insurance gives many people a fear of commitment. But, it doesn’t have to be this way. You need not approach whole life insurance with apprehension. The annual premium is not the massive financial commitment it appears to be. If buying whole life, don’t buy a policy that commits you […]

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168 “O” is for Overconfidence

In the 168th episode of the Financial Procast there is a common theme. Being overconfident about money, how much you REALLY have, and what it takes is dangerous. Confidence is generally a good thing. But when it comes to money, being too confident can lead to apathy and apathy leads to carelessness. Being careless with your […]

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How Much Do You REALLY Need to Generate Your Retirement Income

A lot of Americans are struck ill thinking about how much money they need to retire. Several trade associations within the financial services industry have noted the lack of preparation both consumers and financial advisors et. al. have as it relates to turning your heard earned and saved dollars into retirement income. This problem has […]

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