Retirement Income Needs---Less Than You Think?
It is widely written that you need 75% of your present income to maintain your present life-style in retirement. If you make 100 thousand now, figure 75 thousand in retirement.Fifty thousand now, figure 37.5 thousand in retirement. The average retirement income in the US is 27 thousand. See ... more...

Bad Credit Home Mortgage Refinance - Pro's and Con's of Refinancing Home Mortgage
If you purchased your home during a time when mortgage interest rates were high, you have probably considered refinancing your home mortgage for a cheaper rate. In recent years, interest rates have dropped significantly. Thus, allowing many to save thousands on their home mortgage. If you have ... more...

How I made $122,000 and lost $132,000 - A lesson in Assets vs Liabilities
This is a true story from my own experience that illustrates how buying assets for wealth creation works.Just over 3 years ago I found myself with $75,000 to spend or invest. My wife and I needed a new car as the old one was 8 years old and not as reliable as it used to be, so we spent $40,000 on ... more...

Close More Sales With This Very Simple 3 Step Sales Process.
As Financial Services Sales Professional you need to build trust and rapport in order to close more sales. By using a simple 3 Step Sales process you will able to close more sales and earn more commissions.Step 1 - Contacting the LeadFor most Financial Services Sales Professionals making that ... more...

If You Can't Afford to Retire...Move
According to Warren Bland, PhD, an award-winning author and geographer at Cal State, people have a great option. It's called "equity-take" that is, the difference in cost of comparable housing between your present community and the more affordable one to which you could move. So, if you are ... more...

The Need For Life Insurance
A person needs to reexamine their life insurance needs every few years because as our life events change so do our needs.When starting a family, a person needs to consider starting a life insurance policy. In the event that death occurs to one of the parents, there needs to be some insurance that ... more...

Mortgage Length Calculating Which Is Best
For many people, purchasing a home is one of the largest and most important investments they will make after their education. It is important to make sure you choose the right mortgage, one you will be able to pay off within a reasonable amount of time. You also want to make sure you choose a ... more...

OPM - The Art of Leveraging
Equity lender, hard money lender, private investor or what ever term one uses can be a great source of funds to do real estate transactions and the question of how to find them comes up often!There are numerous ways to do this, and no two investors are exactly alike, so it's important to be ... more...

Future Secured? Oh Really?
A headline for a retirement annuities flyer declares "Future Secured!" Was your reaction like mine? Yea, sure!Is our financial future ever that secure? Maybe for a few. But for the majority of us this is not true. Stock market changes, health costs and inflation fears all contribute to a sense of ... more...