Wednesday, July 1, 2009
Wednesday, June 17, 2009
Don't Worry, Obama Will Fix Everything...
Obama Initiative Seeks Fix to Finance Regulations - AP. That was the headline from AP and the story that was widely publicized today, June 17, 2009. Here is a direct quote from the story: "The Obama plan recommends increased powers for the Federal Reserve, which is the U.S. central bank"
Read it here: http://www.thestreet.com/story/10517442/1/obama-initiative-seeks-fix-to-finance-regulations.html
As citizens of the United States, we need to be ALARMED!
You owe it to yourself to learn the truth about the Federal Reserve System. Watch a free video on the history of the Federal Reserve here: http://legacyinsuranceagency.com/banking/banking-history-federalreserve.html
You'll also find the book, "The Creature from Jekyll Island" by G Edward Griffin available on this webpage as well as a free mp3 recording. The book reveals the truth about how the Federal Reserve was created and why our Banking system is a monopolistic cartel.
As citizens of the United States, we need to be ALARMED!
Contact your Congressional Representative http://www.congress.org/congressorg/home/
Join a Tea Party
http://www.teapartyday.com/
Read it here: http://www.thestreet.com/story/10517442/1/obama-initiative-seeks-fix-to-finance-regulations.html
As citizens of the United States, we need to be ALARMED!
You owe it to yourself to learn the truth about the Federal Reserve System. Watch a free video on the history of the Federal Reserve here: http://legacyinsuranceagency.com/banking/banking-history-federalreserve.html
You'll also find the book, "The Creature from Jekyll Island" by G Edward Griffin available on this webpage as well as a free mp3 recording. The book reveals the truth about how the Federal Reserve was created and why our Banking system is a monopolistic cartel.
As citizens of the United States, we need to be ALARMED!
Contact your Congressional Representative http://www.congress.org/congressorg/home/
Join a Tea Party
http://www.teapartyday.com/
Tuesday, June 16, 2009
How To Survive and Thrive in the New Era of Finance
How To Survive and Thrive
in the New Era of Finance
Credit and Your Financial Future
in the New Era of Finance
Credit and Your Financial Future
Finance and credit, as we know them today, are changing rapidly. Your financial future will be determined by how you use money in this new era of finance. Follow these guidelines to survive and thrive in the new era of finance.
Credit and lending have been slowly tightening over the past year, despite the Fed’s attempts to flood the economy with “Fiat” money. And, this new legislation wrapped in an ACT to supposedly protect the consumer will only create more stringent guidelines and qualifications for lending.
Now this isn’t completely bad news, because American’s need to quit borrowing and depending on credit cards to finance everything they buy. However the ability to access capital can be crucial, and you should be aware of the most effective and efficient ways to borrow money.
In today’s fast-paced world we are often lured into buying when we ought to be saving. Saving takes discipline, and with the ease of purchasing using a credit that makes the task that more difficult.
By learning how cash flows you can reverse the trend and recapture some of the interest you now pay to others. How you finance and pay your expenses will have an enormous effect on your lifestyle today and how you spend your retirement income tomorrow.
PROFOUND STATEMENTS:
“You finance everything you buy. You either pay interest to others or you lose interest you could be earning. Anytime you can cut out the payment of interest to others and direct that same market rate of interest to an entity that you own and control, with minimal taxation, you have improved your situation.” ~Nelson Nash
Most all items in your budget are financed either by credit cards or loans. The balance is financed by paying cash, thus, giving up interest that could be otherwise earned.
While creating a financial system to accommodate your income may sound difficult, it can be relatively simple. The primary difficulties you will encounter will be human factors.
Human Factors That Will Affect Your Ability To Create Wealth
Human Factors That Will Affect Your Ability To Create Wealth
1. Parkinson’s Law – expenses rise to equal income.
2. Willie Sutton’s Law – wherever wealth is created, someone will try to steal it.
3. The Arrival Syndrome – I already know everything, so there is no need to learn anything new.
While we may have been told that creating wealth is a factor of the rate of return, that is only part of the equation. Most often the magical rate of return that we are chasing comes with RISK. A better approach to creating wealth will focus on eliminating the eroding factors and maintaining control of the money.
2. Willie Sutton’s Law – wherever wealth is created, someone will try to steal it.
3. The Arrival Syndrome – I already know everything, so there is no need to learn anything new.
While we may have been told that creating wealth is a factor of the rate of return, that is only part of the equation. Most often the magical rate of return that we are chasing comes with RISK. A better approach to creating wealth will focus on eliminating the eroding factors and maintaining control of the money.
Read the full story here:
http://legacyinsuranceagency.com/financialintelligence/howtosurvive-finance.html
http://legacyinsuranceagency.com/financialintelligence/howtosurvive-finance.html
Wednesday, May 27, 2009
Disability Income Awareness Month
May 2009 has been Designated as Disability Income Awareness Month
What is DIAM? Disability Insurance Awareness Month (DIAM) is an industry-wide campaign designed to get American workers to think about the need to protect their greatest asset – their ability to earn an income. Becoming disabled and not being able to work is one of the greatest financial risks people face, and yet disability insurance continues to be one of the most overlooked and misunderstood types of insurance today.
Learn how to protect your income with disability insurance by clicking this link:
http://legacyinsuranceagency.com/disabilityinsurance.html
Wednesday, April 15, 2009
The IRS and Fed Cartel - Thieves!
The IRS and Fed Cartel
The IRS appears to be a collection agency working for foreign banks engaging in money laundering, extortion racketeering, and conspiracy. Much like the Federal Reserve, it operates under “secret code” and mounds of amendments, clauses and paperwork. Operating out of Puerto Rico under disguise of the Federal Alcohol Administration (“FAA”), the FAA was promptly declared unconstitutional inside the 50 States by the U.S. Supreme Court in the case of U.S. v. Constantine, 296 U.S. 287 (1935), because Prohibition had already been repealed. There is no known Act of Congress, nor any Executive Order, giving th IRS lawful jurisdiction to operate within any of the 50 States of the Union.
Their presence within the 50 States appears to stem from certain Agreements on Coordination of Tax Administration (“ACTA”), which officials in those States have consummated with the Commissioner of Internal Revenue. A template for ACTA agreements can be found at the IRS Internet website and in the Supreme Law Library on the Internet. However, those ACTA agreements are demonstrably fraudulent, for example, by expressly defining “IRS” as a lawful bureau within the U.S. Department of the Treasury.
Moreover, those ACTA agreements also appear to violate State laws requiring competitive bidding before such a service contract can be awarded by a State government to any subcontractor. There is no evidence to indicate that ACTA agreements were reached after competitive bidding processes; on the contrary, the IRS is adamant about maintaining a monopoly syndicate. The identity of the Secretary is not found in title 26 U.S.C.. The only reference to the identity of the Secretary of the Treasury is in 27 C.F.R. at section 250.11 (definitions) which specifically states: "Secretary means Secretary of the Treasury of Puerto Rico".
In 1998, the United States Court of Appeals for the First Circuit identified a second “Secretary of the Treasury” as a man by the name of Manual Díaz-Saldaña.
Contact him and see what kind of response you get:
Departamento De Hacienda
Secretary of the Treasury
Manuel Diaz Saldana
P.O. Box 4515
San Juan, Puerto Rico, 00902
1-787-721-2020
To learn more about the Federal Reserve and Taxes visit:
http://legacyinsuranceagency.com/taxes/taxhistory.html
Much of this blog was reprinted from: http://www.supremelaw.org
The IRS appears to be a collection agency working for foreign banks engaging in money laundering, extortion racketeering, and conspiracy. Much like the Federal Reserve, it operates under “secret code” and mounds of amendments, clauses and paperwork. Operating out of Puerto Rico under disguise of the Federal Alcohol Administration (“FAA”), the FAA was promptly declared unconstitutional inside the 50 States by the U.S. Supreme Court in the case of U.S. v. Constantine, 296 U.S. 287 (1935), because Prohibition had already been repealed. There is no known Act of Congress, nor any Executive Order, giving th IRS lawful jurisdiction to operate within any of the 50 States of the Union.
Their presence within the 50 States appears to stem from certain Agreements on Coordination of Tax Administration (“ACTA”), which officials in those States have consummated with the Commissioner of Internal Revenue. A template for ACTA agreements can be found at the IRS Internet website and in the Supreme Law Library on the Internet. However, those ACTA agreements are demonstrably fraudulent, for example, by expressly defining “IRS” as a lawful bureau within the U.S. Department of the Treasury.
Moreover, those ACTA agreements also appear to violate State laws requiring competitive bidding before such a service contract can be awarded by a State government to any subcontractor. There is no evidence to indicate that ACTA agreements were reached after competitive bidding processes; on the contrary, the IRS is adamant about maintaining a monopoly syndicate. The identity of the Secretary is not found in title 26 U.S.C.. The only reference to the identity of the Secretary of the Treasury is in 27 C.F.R. at section 250.11 (definitions) which specifically states: "Secretary means Secretary of the Treasury of Puerto Rico".
In 1998, the United States Court of Appeals for the First Circuit identified a second “Secretary of the Treasury” as a man by the name of Manual Díaz-Saldaña.
Contact him and see what kind of response you get:
Departamento De Hacienda
Secretary of the Treasury
Manuel Diaz Saldana
P.O. Box 4515
San Juan, Puerto Rico, 00902
1-787-721-2020
To learn more about the Federal Reserve and Taxes visit:
http://legacyinsuranceagency.com/taxes/taxhistory.html
Much of this blog was reprinted from: http://www.supremelaw.org
Monday, April 13, 2009
Protect Yourself From The Unexpected With Short Term Medical Insurance
Protect Yourself From The Unexpected with Short Term Medical Insurance
Short Term Medical Insurance or Temporary Health Insurance can help you protect yourself from the unexpected. The unexpected can happen at any time, while you're in between jobs or after college and before you launch your career. So, why take risks with your health?
You can cover yourself with short-term medical insurance, also known as temporary health insurance. Temporary health insurance can cover you when you change jobs, when you move or any time you have a need for temporary insurance. Short-Term Medical coverage is available for individuals and families.
Perhaps you've been laid off or you're between jobs, if so you may want to consider a temporary solution. Usually, temporary insurance can be purchased for 1 month, 3 months, 6 months or a year. Maybe you have moved and haven't decided on the exact type of plan you are looking for. The important thing is to have coverage in case of the unexpected.
With temporary health insurance, underwriting is easy and you can usually be covered by the next day. You can apply online here http://legacyinsuranceagency.com/shorttermmedical.html
Accidents happen, so make sure you are protected.
Be safe,
Barry Page
Barry Page is a licensed health and life insurance agent. He can be reaced online at www.legacyinsuranceagency.com
Short Term Medical Insurance or Temporary Health Insurance can help you protect yourself from the unexpected. The unexpected can happen at any time, while you're in between jobs or after college and before you launch your career. So, why take risks with your health?
You can cover yourself with short-term medical insurance, also known as temporary health insurance. Temporary health insurance can cover you when you change jobs, when you move or any time you have a need for temporary insurance. Short-Term Medical coverage is available for individuals and families.
Perhaps you've been laid off or you're between jobs, if so you may want to consider a temporary solution. Usually, temporary insurance can be purchased for 1 month, 3 months, 6 months or a year. Maybe you have moved and haven't decided on the exact type of plan you are looking for. The important thing is to have coverage in case of the unexpected.
With temporary health insurance, underwriting is easy and you can usually be covered by the next day. You can apply online here http://legacyinsuranceagency.com/shorttermmedical.html
Accidents happen, so make sure you are protected.
Be safe,
Barry Page
Barry Page is a licensed health and life insurance agent. He can be reaced online at www.legacyinsuranceagency.com
Saturday, December 27, 2008
How To Buy Whole Life Insurance
Discover The Benefits of Cash Value Dividend Paying Whole Life Insurance
Once you learn how to buy whole life insurance, and truly understand how it works, you can use the cash value to finance everything you buy. This requires discipline though and should only be used with the aid of an experienced agent.
All life insurance policies pay a claim when you die, but whole life can provide many economic benefits while you're alive. If the policy is set-up correctly when you initially make the purchase, you can use it much like any other financial account as a place for your money to reside. The important step is to buy cash value, dividend paying whole-life insurance from a mutual company.
There are but a few mutual companies left today. Most of the life insurance companies have demutualized and become stock based companies. This means their obligation is to their stockholders. Mutual companies have an obligation to their policyholders. To name a few, MassMutual, Guardian, Northwestern Mutual and New York Life. There are more, but those are the major players that have been around for a while.
Before we get started on how to buy whole life insurance, let's take a look at how the policy works. With a Whole Life Insurance Policy the premiums remain fixed for the life of the policy. A portion of the premium is used to purchase and accumulate a guaranteed cash value thus adding a savings element. You can purchase paid up additional insurance as well to increase this cash value. Dividends, which are not guaranteed, may also increase policy cash value. Provided that premiums are paid as specified in the policy, the policy remains in force during the insured's entire lifetime.
The part of your premium that goes into a cash reserve and accumulates as cash value is tax-deferred and can be tax-free if accessed correctly. Generally you can access this cash value at any time, for any reason (Imagine doing that at your bank without a lengthy application and credit report). The reasons could be many including financing a car, a hardship, college, marriage, retirement or critical illness.
While providing many benefits of its own, whole life insurance also makes your other assets stronger. By providing protection, a hedge against inflation and significant tax benefits. With permanent life insurance in place at retirement the owner of the policy can spend down all of his assets if needed without fear of running out of money.
Some of the many benefits of owning whole life insurance:
Once you learn how to buy whole life insurance, and truly understand how it works, you can use the cash value to finance everything you buy. This requires discipline though and should only be used with the aid of an experienced agent.
All life insurance policies pay a claim when you die, but whole life can provide many economic benefits while you're alive. If the policy is set-up correctly when you initially make the purchase, you can use it much like any other financial account as a place for your money to reside. The important step is to buy cash value, dividend paying whole-life insurance from a mutual company.
There are but a few mutual companies left today. Most of the life insurance companies have demutualized and become stock based companies. This means their obligation is to their stockholders. Mutual companies have an obligation to their policyholders. To name a few, MassMutual, Guardian, Northwestern Mutual and New York Life. There are more, but those are the major players that have been around for a while.
Before we get started on how to buy whole life insurance, let's take a look at how the policy works. With a Whole Life Insurance Policy the premiums remain fixed for the life of the policy. A portion of the premium is used to purchase and accumulate a guaranteed cash value thus adding a savings element. You can purchase paid up additional insurance as well to increase this cash value. Dividends, which are not guaranteed, may also increase policy cash value. Provided that premiums are paid as specified in the policy, the policy remains in force during the insured's entire lifetime.
The part of your premium that goes into a cash reserve and accumulates as cash value is tax-deferred and can be tax-free if accessed correctly. Generally you can access this cash value at any time, for any reason (Imagine doing that at your bank without a lengthy application and credit report). The reasons could be many including financing a car, a hardship, college, marriage, retirement or critical illness.
While providing many benefits of its own, whole life insurance also makes your other assets stronger. By providing protection, a hedge against inflation and significant tax benefits. With permanent life insurance in place at retirement the owner of the policy can spend down all of his assets if needed without fear of running out of money.
Some of the many benefits of owning whole life insurance:
- Tax Deferred
- Tax Free *
- Estate Tax Free *
- Unlimited Contributions *
- Competitive Return On Investment
- Guarantee
- Creditor Protection *
- Unlimited Investment Options
- Collateral
- Liquid, Use and Control
- Disability Waiver *
*Benefits may vary based on your situation. All benefits should be examined by an experienced agent and may not work in all cases.
Before you purchase whole life insurance, follow these steps:
- Interview and find an agent that represents a mutual life insurance company. Ask the agents how much life insurance they own, and how much is whole life (Pay close attention to see if they mention "human life value" or "economic value".
- Once you find an agent and decide on a mutual company, decide how much life insurance you want. You will find this is different than what you may have been told to buy, or how much you need.
- You may want to own some term insurance to help you achieve your human life value. If the term is from a mutual company, it is usually convertible to whole life at a later time.
- After you decide how much you want you can then determine how to fund the policy. Your agent should help you here, that's what he gets paid to do. Factors will include how long you want to fund the policy and how you foresee yourself using the policy in the future.
- A few important riders you should look for include the waiver of premium, and paid-up-additions rider. The waiver will protect you in the event of your disability and the PUA will allow you to overfund the policy as you want to help grow your cash value.
Follow these steps and buy whole life insurance while you are young and healthy. If you have health issues, then you can buy it on your spouse, children or loved ones and you can retain ownership. Whole life insurance can provide many benefits while you are alive and allow you to pass on a legacy of financial independence to your heirs.
Enjoy Life Today, Leave a Legacy for Tomorrow sm,
Barry Page
Barry Page is an experienced life insurance agent. He can be reached at: http://www.legacyinsuranceagency.com/
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