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 – tax-free contributions, growth and distributions. (See SOLUTIONS, further below.) “Economists predicted 12 of the last four economic crises.” You need…
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INDEXED UNIVERSAL LIFE INSURANCE (IUL) ADAPTS TO INFLATION AND HIGH INTEREST RATES
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 of mind to IUL policy owners worried about inflation, recession and stock market crashes. Cash-value life insurance, particularly IUL, is…
PR Guide: 06 Tips to Use Public Relations to Your Advantage
The dissemination of information and messages to the public on behalf of corporations, governments, and organisations is a critical function of public relations professionals. Some of the industries where they are most required are government, health, education, and advertising. Maintaining a company’s favourable perception of its target market is the goal of PR professionals. If…
What is Parkinson’s Disease
Parkinsons disease is a somewhat common condition with the nerves which is because of problems with the neural cells in the area of the brain that produces dopamine. This is a chemical that is needed for the consistent management of muscles and movements, so the signs and symptoms of the problem is caused by a…
What is this high that runners say they experience?
Almost all runners have at some time encountered what’s become referred to as a ‘Runners High‘. This feeling is a sense of well-being as well as euphoria that runners can experience whenever running that temporarily assists them to sense a lot more relaxed and calmer when they are on a run. Athletes suggest that it…
How Oral Health Can Affect Eye Health
On the surface, it might seem like what happens in your mouth has nothing to do with your eyes. However, studies have repeatedly shown that oral health can affect the rest of your body in a variety of ways, and your eyes are no exception. Here’s what you need to know about the surprising link…
What is a plantar plate tear?
Pain below the front of the foot are generally as a consequence of several things and frequently gets given the label, metatarsalgia. This is simply not a diagnosis as it could indicate several unique disorders which will be causing it. Among the most frequent factors that cause metatarsalgia can be a disorder referred to as…
Dynasty Trusts Guard Personal Autonomy in Hierarchic Society
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 property and privacy rights. A well-designed dynasty trust provides to generations of beneficiaries at least the minimum material support necessary…
Tax-Free Income Making More Sense in Global Financial Crisis
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, with $170+ trillion unfunded liabilities. State and individual debt loads are similarly bad. How are various government entities going to…
CASH BALANCE PLUS PLAN
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 times more than in traditional tax-deferred retirement savings plans, while minimizing the portion of total plan costs allocated to employees….