Retirement iNCOME OPTIONS
BECOME YOUR OWN BANKER
Financial freedom based on dividend paying WHOLE LIFE INSURANCE and not your "cheap trick" term life insurance gamble any insurance agent is selling you...didn't you just get another term life insurance offer in your mail?
1. Mutual Life Insurance company.
2. Did you know that you by law are to "dictate" the investment strategy to your whole life insurance company?You ARE in CONTROL of your finances...
3. Insurance agents hate to tell you about this fascinating "banking" possibility- or they may not even know that it is existing!
4. You set a monthly premium, lets say $500,00, which you pay in for xyz months. This sum is your investment sum for the next 25 years- which your insurance is not to touch for investment purposes until a set, dictated time and purpose. Without any investment strategy in order to make your money work for you, as well as no dividend paid, after 25 years your monthly premiums would sum up to? Correct: $150,000.00- sweet, but not enough to make a compfy retirement out of it.
4a. After three years, you'd have $18.000,00 paid into your whole term insurance-correct? Isn't it time now to invest into a new used car for $10k- or house renovation- or dream vacation?
HERE IS THE TRICK: You continue to pay the monthly premium of $500,00. On top of that, you now "pay yourself off" your 10k car etc. loan, with any given industry current interest rate- for practical math purposes let's say of 10%. Your monthly "pay back rate" is assumed to be $200,00. 200,00+10%= $220. PAID BACK INTO YOUR OWN WHOLE LIFE INSURANCE ACCOUNT! PLUS: DIVIDENTS AS WELL! You told your insurance that "their" investment strategy- in order to grow your life insurance a.k.a your money- are actually investments into yourself!
5. Repeat this "investing into yourself" cyclically every "x" years- and your $150,000.00 whole life insurance pay out- after those 25 years will be...? :-) westward of 5/6/700,000.00....you just became your own banker!
6. Repeat for any children, grandchildren, start em as early as you can!
IMMEDIATE ANNUITIES
-sales of immediate annuities have surged by 47% since the first quarter of 2014
- still acount for less than 10% of annuity sales overall
------------------------------- do you understand how immediate annuities work?---------------------------------
-- Sold by insurers: they collect a one time premium, invest it and make a pre-determined payout to the buyer each month
-- Payout: consists of Principal, Investment gains, mortality credit ( transfer of money of annuity byuers who die sooner )
--- examples: Age 65, 100K invested, payout ~565$/month- women ~535$/month- couple: ~475$/month as lng as either is still alive
--- BUT: no intermediate payouts in case of unextected expenses; no passing money to heirs
--- Cash refund immediate annuities available- research!
--- Variable Annuities available- you retain access, after death to heirs transfer ( BUT fees for those annuities often more expensive)
--- Deferred-income/Longevity annuity: begins 10,5 or 20yrs in the future! Wait to collect, it allows substantial future paymentsn with a much smaller start sum to begin with
----- you can buy a longevity annuity within a 401(k) or IRA without violating minimum distribution requirements
--- RESEARCH: www.ImmediateAnnuities.com, Fidelity Investments, Charles Schwab, Vanguard Grp
DIVERSIFY-SECURITY: does insurer have high financial-strenght rating; spread your money over two or more annuities and limit amount to the coverage limits of the life-insurance guaranty association in your home State ( usually $100,000 per insurer )
AFFORDABLE HOUSING
Number One rule in Real Estate Investing: make your money at acquisition
- provide clean, safe and affordable places to live
- Manufacturing Housing Communities (MHCs)
- “Allen Report,” a leading MHC-industry publication.
- www.acgmhc.com
ACG specializes in the acquisition and stabilization of distressed MHCs and has bought and sold 27 such communities during the past five years. ACG uses proactive, hands-on management combined with strategic infusion of capital in order to turn distressed “trailer parks” into safe and desirable “communities” for residents and prospective residents. ACG’s common-sense, proactive management allows it to capture financial upside and maximize returns for its investors, while providing residents of its communities the best product at the best price.
TRANSPORTATION- thoughts..
- tires, gas, social connect, safety
-- Kautchuk, biofuel/electricity/charging stations/ smog,HUD and AP, safety sensors
- Taiwan, 15 mio scooters at 23 mio citizen: Gogoro Smartscooters
- loan from Department of Energy like Tesla's 465Mio
Healthcare
MIT hacking Medicine- hackathlon for health care startups
Where to Find Us:
Melaaromile Network Solutions LLC
P.O. Box 4302
Wichita Falls, TX 76310
Phone: 940 3373539
What's New
Work in the Alps,on a farm and live/eat for free in return-= check it out under the travel tab...
http://www.emptylegmarket.com/
empty charter legs- check it out!
Are you a Space Junky? Go check out millions of public accesssible pictures:
http://www.planetary.org/explore/space-topics/space-imaging/amateur.html
Do you know what episodic memory is and what its susceptibility to failure can lead to? Its failure is normally called Amnesia, or worst case: "AD- Altzheimers"
Quantum Computers are coming!
Acreage with Blueberry and Goji berry groves
TBD- promotions and affiliates
Coming soon, under construction
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