Finance

Home Loans to Consolidate Debt for People with Bad Credit
By Ray Ethell · 2 weeks ago
Would you like to consolidate your credit cards and other debt? Do you have a bad credit history? Today, many options are available online to help you reduce your debt. Whether you’re searching online to ...
How Can I Get a Mortgage If I Have a Bad Credit History?
By Ray Ethell · 2 weeks ago
Ensuring a clean slate in terms of financial management is challenging. A series of debts lined up in the credit report impact the lender’s decision in lending loans. And the mortgage is no different. Lenders ...
Guidelines to Fix Bad Credit Effectively Through Dispute
By Ray Ethell · 2 weeks ago
Is it possible to live with bad credit? Yes, but it’s going to be tough. Having a bad credit score can make things impossible, pricier and a lot more complicated. For instance, drivers with bad ...
Dealing with Debt – What to know about Debt Consolidation
By Ray Ethell · 2 weeks ago
Not only can too much debt impact your credit score, but they can also take their toll and dig you into a hole where making payments on things like loans and credit card bills can ...
Captive Insurance -- Details
By Thomas Swenson · 2 weeks ago
A captive insurance company (CIC) is an insurance company that insures the risks of operating business entities within the same “economic family”. 1. A CIC benefits its owner(s) generally through a combination of factors. 1.1 ...
The Missing Calculation in Valuing Tesla Stock
By John J. Pico, Jd · 2 weeks ago
In most discussions regarding the valuation of Tesla (TSLA) stock, the pundits debate whether or not Tesla is a tech stock, an auto stock, or a combination of both. Recently, for example, on MSNBC’s TV ...
How A 28-Year-Old Financial Trap Is Exploding Now
By David Reavill · 3 weeks ago
Our story began nearly 28 years ago, on January 11, 1995. That was the day that Robert Rubin was sworn in as the 70th United States Secretary of Treasury, the day the transformation of the ...
THE TWIN TOWERS OF BABEL ARE COMING DOWN: EQUITIES AND BONDS
By Darryl Robert Schoon · 1 day ago
When leveraged debt is money, what’s to worry? For three hundred years, the banker’s ponzi-scheme of debt-based money brought wealth to the bankers and power to governments. Nothing lasts forever, however. In 2023, the dangers ...
Working Capital Loans: Everything you Need to Know
By Rodney Wood · 1 day ago
Working Capital Loans These loans are best used by seasonal businesses and business owners who need a temporary cash boost to stay afloat. The most common working capital loans are term loans, lines of credit, ...
INDEXED UNIVERSAL LIFE INSURANCE (IUL) ADAPTS TO INFLATION AND HIGH INTEREST RATES
By Thomas Swenson · 1 month ago
High Interest Rates Increase Market-Linked Growth of Cash-Value Life Insurance High bond interest rates accompanying currently high inflation enable increased growth of cash value in indexed universal life insurance (IUL) policies. This can provide peace ...
TAX-FREE STRATEGIES IN AN UNCERTAIN ECONOMY
By Thomas Swenson · 1 month ago
Problems ahead in 2023: Markets down. Recession deep. Taxes up. Solutions: (1) Irrevocable life insurance trust (eliminate all taxes legally forever); (2) Leveraged long-term care (LTC) insurance; (3) 401(h) health expense account: tax trifecta – ...
GRANTOR ACCESS TO IRREVOCABLE TRUSTS -- EASE THE STRESS OF COMPLETED GIFTS
By Thomas Swenson · 1 month ago
For the moderately wealthy, giving up Control (and Access) is a barrier in deciding to make irrevocable trusts. Techniques for grantor access to trust assets make the decision easier. Irrevocable trusts famously provide many benefits ...
CASH BALANCE PLUS PLAN
By Thomas Swenson · 1 month ago
Tax-Deferred Savings of $200K to $500K Annually for Business Owners, with Minimal Employee Costs Using a defined-benefit cash balance plan, solo and small business owners, professionals and profitable entrepreneurs can readily save three to ten ...
Tax-Free Income Making More Sense in Global Financial Crisis
By Thomas Swenson · 1 month ago
Will tax rates be going up? What happens to retirement income when taxes increase? Currently, income tax and capital gains tax rates are at historically low levels. The US government debt is now $31+ trillion, ...
Dynasty Trusts Guard Personal Autonomy in Hierarchic Society
By Thomas Swenson · 1 month ago
A dynasty trust enables a degree of personal autonomy that is otherwise hard to achieve in a global economy characterized by punitive tax rates, job concentration in hierarchic corporations and public-sector agencies, and increasingly precarious ...
Investing In Yourself Before Investing in the Market
By Lori W Loper · 2 weeks ago
Table of Contents 1. He Said What? a. The Con Was Revealed b. He Owned What?? 2. Divorce Equals Freedom a. Freedom Comes with a Price b. Credit Cards Equals Debt 3. A Plan is ...
Captive Insurance Company, CIC -- Reduce Taxes and Build Wealth
By Thomas Swenson · 1 month ago
Captive Insurance Company - Reduce Taxes and Build Wealth Summary: For a business owner paying taxes in the United States, a captive insurance company saves taxes, builds wealth and improves insurance protection. A captive insurance ...
What Options Are Available to Settle Bank and Credit Card Debt Fast?
By Settlebankdebt · 1 month ago
If you’re having trouble paying off your credit card bills, you should consider the options available to settle bank and credit card debt fast. One option is to negotiate a debt settlement for less than ...
What is an RESP?
By Reti Red · 2 weeks ago
What is an RESP account? An RESP stands for a Registered Education Savings Plan. This account is used to save for a child’s post secondary education. Government contributions are made through the Canada Education Savings ...
Private Placement Life Insurance, PPLI
By Thomas Swenson · 1 month ago
Private placement life insurance (PPLI) is an underutilized, but potentially versatile and highly efficient investment vehicle. It is useful not only for wealthy families. An individual or family having a net worth of only $1 ...