Dividends The Power Behind Recapturing Lost Opportunity

Here's something you wouldn't expect to find written around here: Whole life insurance (at it's core) kind of sucks.  Sure everything is guaranteed, and to some people and in some applications those guarantees

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Paid Up Additions: The Magic of Cash Value Life Insurance

The paid up additions feature of a whole life insurance policy is one of the most powerful components with respect to cash value accumulation.  Most whole life products have a paid up additions (PUA)

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The Chartology They Don’t Really Like Talking About

Ever flip on over the CNBC and watch their stock picking experts talk about chartology?  It's the process of looking at a graphical depiction of a stock or market performance and making “educated”

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Here’s the Best Part, You Can Spend It!

Here's something we should address right off the bat that I think a lot of people in the BOY et. al. crowd tend to forget to mention: YOU CAN SPEND YOUR MONEY!  So, if today I'm serving you dinner in

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Why?

So the biggest question I get all the time is why?  Why do I need to change the savings/retirement plan that I have currently (and for many the answer is, because doing something…anything is an

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The Basics of Life Insurance Part III Universal Life Insurance

Prior to booming interest rates from the later 70's and early 80's your life insurance options were pretty much term insurance and whole life insurance (and these nifty things calls endowment contracts

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The Basics of Life Insurance Part II: Whole Life

Known by a few different names, and probably the most tweaked product in the industry, Whole Life (aka straight life in older circles) has a several centuries history of offering guaranteed death benefit

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The Basics of Life Insurance Part I: Term Insurance

The simplest form of life insurance is called Term Insurance.  Term takes it's name from the notion that it is purchased simply for a term (period of time), after which is it no longer renewable.  Not

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Hello World: This Blog and the United States Share a Birth Month

It started on a cold dark night… Sort of, actually more late afternoon/early evening, but this post is going up as we drag into an unseasonably cold evening even for New England.  Everyone has to

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