Category: Stock Market Investing

Retired Navy Commander: Bank On Yourself Makes Financial Independence Easy

May 2nd, 2012 by Pamela Yellen | Leave a Comment

Retired Navy Commander, Robert Chambers

Retired Navy Commander, Robert Chambers, first came to our attention when we invited Bank On Yourself policy owners to share their stories with us.

Retired Navy Commander, Robert Chambers

Commander Bob wrote, “I can’t tell you enough how this has changed my life, but also the lives of every generation to follow.” Bob, who fully retired before he turned 50, notes that…

Retirement isn’t only about money; it’s about gaining financial independence, living a comfortable lifestyle and leaving a legacy for future generations.”

Bob also sent me a 20-page booklet he wrote titled, “Financial Independence Made Easy,” which details his insights into why the conventional wisdom about saving and investing has failed so many, and what his research and study have revealed about the best ways to achieve financial independence. [Read more…] “Retired Navy Commander: Bank On Yourself Makes Financial Independence Easy”

Busting the Bank On Yourself high commission myth

April 18th, 2012 by Pamela Yellen | 3 Comments

There is no shortage of myths or misconceptions about Bank On Yourself or the specially designed whole life insurance policies used for this safe and proven wealth-building method.

Spilling the beans on the myth that financial representatives sell whole life policies for the large commissions

One of the most commonly repeated myths is that financial representatives only sell whole life policies because they receive large commissions for doing so.

Often, that accusation comes from financial planners, investment advisors and money managers who want you to invest in the stock market, instead.

When you watch the video below, you’re going to be shocked to discover that the financial representative who manages your money in the stock market is making at least TEN TIMES MORE than the Bank On Yourself Professional, if the same amount of money is contributed each year! (And Bank On Yourself Professionals receive 50-70% less commission than financial representatives who structure policies the traditional way.)

Maybe that’s the kind of thing Mark Twain had in mind when he said…

A lie can circle the globe in the time it takes truth to put on its shoes”

And for pocketing TEN TIMES MORE of your hard-earned savings, what guarantees does your financial planner or money manager give you? Do they guarantee you that you’ll have a certain amount of money when you’re ready to start taking income from your savings? No! In fact, if you ask them that question, they’ll laugh you out of their office!
[Read more…] “Busting the Bank On Yourself high commission myth”

Shocking New Report Wall Street Doesn’t Want You To See

April 6th, 2012 by Pamela Yellen | 2 Comments

I’m holding in my hands a hot-off-the-press Report from the well-respected research firm, DALBAR, Inc., about the actual returns investors have been getting in the stock market over the last 20 years. The news is shocking, but should make sense if you’ve been having the feeling your investment accounts aren’t rising at the rate the market has been…

The average equity fund investor has gotten less than half of the return of the S&P 500 over the last two decades – beating inflation by less than 1% per year
The average fixed income investor got – you should probably sit down for this – only 15% of the return of the related benchmark (Barclay’s Aggregate Bond Index)
The typical asset allocation investor got less than 30% of the return of the S&P 500 – 2.12% per year to be exact – and didn’t even keep up with inflation!

So… was that worth all the roller coaster ups and downs and sleepless nights?

Love and Money: How to Increase Financial Intimacy with Your Partner

February 13th, 2012 by Pamela Yellen | Leave a Comment

Do you keep “spending secrets” from your spouse or significant other?

Has a difference in how much risk you’re comfortable taking with your investments and retirement savings caused friction in your relationship?

Do you feel envious at times of friends, neighbors or family members who have more wealth than you do?

If you were a lot wealthier, would your sex life change in any significant way?

Best retirement plan alternative?

February 10th, 2012 by Pamela Yellen | 6 Comments

I can’t afford to be a risk taker any more”

…says 75-year-old Margie Alford of Austin, Texas. Yet, Margie’s financial planner is moving her CD money into stocks instead, after fruitlessly waiting for three years for interest rates to rise.

Low interest rates of the past several years have taken a toll on U.S. savers. “The Fed has removed the last shred of possibility that interest rates will revert to normal in the near future,” according to Christopher Carroll, profession at Johns Hopkins University.¹

As a result, retirees are taking on more risk… at a time they can least afford to.

With interest rates on CD’s, saving and money market accounts not even keeping up with inflation, what other options do you have?

The Bank On Yourself solution…

Take Our Love and Money Financial Self-Assessment

February 1st, 2012 by Pamela Yellen | 2 Comments

Money is the leading cause of marital and relationship troubles. Do you think you and your partner are compatible when it comes to finances?

According to a Survey by American Express, 91% of couples avoid even talking about finances, household expenses and debt with their partner.¹ Twelve percent said they’ve never talked about money with their spouse and some of the 2000 U.S. adults that participated indicated they knew their partner’s weight but not their salary.

All is fair in love and war…

Money causes more stress than intimacy (11%), children (9%) and in-laws (4%) and 40% of married couples have serious, recurring arguments about money
27% of respondents misrepresented the amount of a purchase to their partner
30% have hidden purchases from their partner
56% of couples felt they have made a financial mistake in their relationship, ranging from spending too much on their wedding to buying a house at the top of the market

If they could go back in time…

Video: Why you need the Dow to be at 27,000 today

January 25th, 2012 by Pamela Yellen | 7 Comments

When do you think the Dow will hit 27,000?

Does that seem like a crazy or dumb question?

If you bought into Wall Street’s mantra that as long as you invest for the long haul you’ll come out ahead, you need to watch this video today.

Click the play button below to see the shocking truth Wall Street doesn’t want you to know…

Are you ready to do something different?

If you’re ready to find out how the Bank On Yourself method can give you the financial security and predictability you want and deserve, take the first step right now by requesting a free Bank On Yourself Analysis.
REQUEST YOUR
FREE ANALYSIS!
You’ll also get a referral to one of only 200 financial representatives in the country who have met the rigorous requirements to be a Bank On Yourself Professional, who can answer your questions and show you how much your financial picture could improve when you add Bank On Yourself to your financial plan.

The Ultimate Wealth-Building and Retirement Strategy… Whether the Market Goes Up, Down or Sideways

January 19th, 2012 by Pamela Yellen | 6 Comments

Have you been disappointed by your 401(k), IRA or other retirement plan? Conventional wisdom tells us these plans are the best way to save and invest for retirement. Yet following this advice has resulted in financial insecurity for most Americans.

Because of this, most baby boomers have been forced to postpone retirement an average of five years.¹

I’m often asked how using the Bank On Yourself method to save for retirement compares to traditional plans, so I put together this short video that reveals seven reasons Bank On Yourself makes an excellent retirement plan alternative.

Click the play button in the video below and see how many of these seven advantages you’d like to have in your financial plan…

The Ultimate Wealth-Building and Retirement Strategy… Whether the Market Goes Up, Down or Sideways

Would you like to find out how big your nest-egg could grow – guaranteed – if you added Bank On Yourself to your financial plan? No two plans are alike – yours would be custom-tailored to your unique situation, goals and dreams. To find out what your bottom-line numbers would be, request a FREE, no-obligation Analysis today.
REQUEST YOUR
FREE ANALYSIS!
If you’re wondering where you’ll find the money to fund your plan, keep in mind the Bank On Yourself Professionals are masters at helping people restructure their finances to free up money to fund a plan. Here are the eight most common places they look.

When you request your FREE Analysis, you’ll get a referral to one of only 200 financial representatives who have met the rigorous training and requirements to be a Bank On Yourself Professional. They’ll show you why Bank On Yourself is the ultimate wealth-building and retirement strategy… whether the market goes up, down or sideways.

1. Bankers Life and Casualty Center for a Secure Retirement, May 2011

Why conventional financial planning doesn’t work… and what you can do about it

December 16th, 2011 by Pamela Yellen | 6 Comments

This short video reveals the problems with the conventional wisdom about financial and retirement planning, and explains why the average family with a head of household age 60-70 has been able to save only 25% of what it will need for retirement.

Many readers of this blog have asked to see more specific examples showing how much guaranteed and predictable income you could have in retirement, using the Bank On Yourself method. So I’ve included a fascinating example on this video.

If you have the feeling your financial plan has been treading water (or going backwards) for far too long, you’ll want to be sure to watch this video now. It’s got some pretty cool animation in it, too!

TIRED OF WATCHING YOUR FINANCIAL PLAN GO NOWHERE?

Find out how the Bank On Yourself method can give you the financial security and predictability you want and deserve. It’s NEVER had a losing year in 160 years! Take the first step right now by requesting a FREE Bank On Yourself Analysis.

Wondering where you’ll find the funds to start a plan? Don’t worry! You’ll receive a referral to one of only 200 financial representatives in the country who have met the rigorous requirements to be a Bank On Yourself Professional and can show you eight ways to find money to fund a plan that can help you reach as many of your goals as possible, in the shortest time possible.

The Secret to a Financially Stress-Free Life

December 9th, 2011 by Pamela Yellen | 7 Comments

I’ve put together a fast-paced three-minute video that reveals the surprising secret to having a financially-stress free life.

Click the play button to watch it and tell us what you think in the comments box below…

Would you like to find out how you could have a rock-solid financial foundation and build wealth without the risk of traditional investments?

No two Bank On Yourself plans are alike. Each is custom tailored to your unique situation, goals and dreams. To find out what your bottom-line, guaranteed numbers and results would be if you added Bank On Yourself to your financial plan, request a free, no-obligation Analysis today, if you haven’t already done so. That way you can make sure this is the year you take back control of your money and finances!
REQUEST YOUR
FREE ANALYSIS!
If you’re wondering where you’ll find the money to fund your plan, keep in mind the Bank On Yourself Professionals are masters at helping people restructure their finances to free up money to fund a plan. Here are the eight most common places they look.