18 Burst results for "Eight Nine Ten Percent"

"eight nine ten percent" Discussed on Biz Talk Radio

Biz Talk Radio

02:32 min | 2 years ago

"eight nine ten percent" Discussed on Biz Talk Radio

"Do seven eight nine ten percent. Compound. And that's how you saw. The problem pundits. Incorrect. Does your water stain and damage your fixtures? Does it smell or taste bad? Are you worried about national funding group has just released one hundred million dollars in easy access small business funding to businesses that gross at least one hundred thousand dollars a year? You can have fast access up to five hundred thousand dollars in new business capital in as little as forty eight hours. Think about the ways you could grow your business if you had up to a half a million dollar cash infusion. Call NF g funding expert now the process is easy. It only takes about five minutes, then our management owned lending team looks at your application for a fast approval, you can get one hundred percent funded in about two days. If you need up to five hundred thousand dollars in working capital to run your business, and you gross at least one hundred thousand dollars a year. Call NF G and apply today. Eight hundred two nine six one five six four eight hundred two nine six one five six four eight hundred two nine six. One five six four that's eight hundred two nine six fifteen sixty four. I'm Jay Farner, CEO of Quicken Loans, America's premier home purchase lender. Today's fluctuating interest rates can leave you with unexpected higher mortgage payments at Quicken Loans. We've created a new way to protect you from unpredictable interest rates. So you can buy a home with certainty. It's called rate shield, and here's how it works with rate shield. You can lock your interest rate while you shop for a new home. So if rates go up, you don't have to worry. And here's the best part. If rates go down you get the lower rate with rates shield. We really have you covered. Here are more reasons why you wanna work with America's largest mortgage lender for nine years in a row now Jd power has ranked Quicken Loans highest in the nation in customer satisfaction for primary mortgage origination. And for the fifth year in a row, they've also ranked us highest in the nation for mortgage servicing reach shield another way, we can save you money on your mortgage. Call us today at eight hundred quicken or go to rocketmortgage dot com based on Breckenridge data in comparison to public data records, Rachel approval only certain thirty year purchase transactions for. Information and conditions. Equal housing lender. Licensed in all fifty states animals number thirty thirty additional conditions or exclusions may apply. Life insurance is one of those things that just about everybody needs. But few people actually have Diane expectedly without life insurance gas what you'll leave your family with even a bigger mass life insurance will help replace your family's income it'll help.

Quicken Loans America Jay Farner Diane CEO Rachel five hundred thousand dollars one hundred thousand dollars seven eight nine ten percent one hundred million dollars one hundred percent forty eight hours million dollar five minutes thirty year nine years two days
"eight nine ten percent" Discussed on 850 WFTL

850 WFTL

04:29 min | 2 years ago

"eight nine ten percent" Discussed on 850 WFTL

"Listening to prosper with Keith singer. Angell back is Keith singer Rosner, ROY. I know a lot of people invest in equities, and stocks and mutual funds. They know it can be a bumpy ride. But they're trying to make money, right? What are people that you talk to what are they expecting to make from their stock investments twenty years ago, they were expecting to make fifteen percent a year the last couple of years, I think most people were happy if they could count on six or seven percent, right? I remember back in one thousand nine hundred nine and if you're doing planning for people you show them a twelve percent return, which is very low given what the market had been doing the last few years. They look at you like you can only make twelve percent. What's wrong with you? What kind of adviser you gonna make twelve percent of here? And you have to explain to them that's hard to do. You know, we're we're in a period right now where things are going. Well, but it isn't always like that. But historically, if you look at the big picture, then the stock market makes what eight nine ten percent a year right over long periods of time. But what? People don't realize is that that's over eighty years or nine years. There's a lot of ten year periods where the market doesn't make anything or even loses. And then there's something your peers, we make eight to ten times your money, but those periods usually happen when a lot of people are already on the sidelines because they just lost a bunch of money and the previous years and now they missed out on the good decades. At least, you know, the beginning of what we've just been through that situation in spades. People talk about the lost decade with respect to investing. And that was really two thousand two thousand and ten where if you went into the market in two thousand you were going in at the peak of the dot com era. You saw losses down by fifty percent over the next three years. You kind of get your head above water in two thousand and seven only to see them walk at come crashing down in two thousand and eight two thousand nine so people that have been invested for that full ten year period from two thousand two thousand and ten made nothing that's one of the few ten year periods over the last ninety years. That the mauka really returned nothing. Well, there was another period. I think for fifteen years like in the late sixties, correct? Where the market went about fifteen years without making any money. Well, the the ten years ending in one thousand nine hundred seventy five only made two percent. So I'm assuming that the fifteen years because the five years before that were pretty up years. I'm pretty sure that if take the fifteen years from nineteen sixty nineteen seventy five you're probably just about breaking even. Yes. So the thing is as an investor you have to account for what is what if we have a decade coming up or doesn't make any money. Now. Let me say it doesn't make any money. We're not saying there aren't any updates or any up years. But from point A point B when you when you add in the down years with the up years, he didn't make any money. So how do you account for that? Obviously, one of the things we've been talking about is that there are vehicles which allow you to make money when the market's up the invested if you will when the market's doing well, but not the invested when the Marcus. Going down. And that's those are called uncapped index. What he's and they essentially allow you to make a percentage of the gains of an index in the up periods. But none of the losses in the down periods. And when you look at some of the charts, I know you like to make your charts, and your your grass, why don't you summarize the different decades, what you've seen with comparing five hundred to actually index news because I imagine in the really good decades, you might not make as much as the index because you don't make one hundred percent of it. But in the bad decades with some bad years, if you miss those years, you could actually outperform the index. Correct. Well, over very long periods of time like twenty years that the ability to make money with a uncapped index who it is startling because you have so many up here. Remember over the last eighty years eighty percent almost eighty percent of the years were up right and only about twenty percents down. But the problem is that the down used tend to overwhelm the up years for several years to come. Especially if people make the classic trading mistake because they get nervous in the down. You has jumped out, and then they missed the good part of the upstart right now one way to avoid missing out on the upside is to always be invested. But being invested in a vehicle that doesn't go down when the market goes down. And that sounds like it's almost too good to be true for many years that type of investments been available, but there was the field limitations. Because the upside was what's known as cap..

Keith singer Rosner Angell fifteen years twelve percent ten year eighty percent eighty years twenty years eight nine ten percent one hundred percent fifteen percent fifty percent seven percent ninety years three years two percent five years nine years
"eight nine ten percent" Discussed on KSFO-AM

KSFO-AM

04:02 min | 2 years ago

"eight nine ten percent" Discussed on KSFO-AM

"If you have a banner year, and you want a sock away one hundred or two hundred grand you can do it. You can't do that in a Roth. If you put in money and five days later you want to withdraw. You can't do that with a Roth with this. You can I can access money anytime, and you don't incur penalties by the IRS and so forth, but a Roth will not blossom when you die. See none of us are getting out of here alive. I mean out of this life. We're all gonna die someday. So when you leave behind money, it doesn't blossom in my rich man's Roth it blossoms in value at doubles, triple sometimes. If I died right now every million would leave behind two and a half million tax-free within three weeks after I died. There's not a Roth around that will do that. And so this is what I use for my family Bank. My family Bank gives me and my wife, a retirement income. That's totally one hundred percent tax free as long as we live, and I take it out tax free. I don't have to take out fifty percent more money pay tax. So that I ended up with the net of what I need to buy gas and groceries prescriptions and golf green fees with I pull out one hundred grand I net. One hundred grand. I don't have to pull out one hundred and fifty grand bay tax about third to net one hundred grand. So my nest egg doesn't run out. It's like a generator that I talked about earlier instead of the battery approach, so my favorite vehicle is a max funded. Now, some professionals go, well, I've never seen one of those performed very well. Well, maybe because you haven't seen it. You don't think it exists? Have you ever seen your brain? I mean, how do you know that exists? The reasoning is ridiculous, folks. I have been using this vehicle for forty five years. The last twenty five years, I've averaged ten point oh seven percent tax free. That means every million will generate one hundred grand a year. But there are several other strategies we teach on our educational events that will allow a max funded insurance contract to generate seven eight nine ten percent payout. I mean in my book the laser fund, I show somebody putting in one hundred grand a year for five years that's five hundred thousand to comply with the IRS and be grandfathered to have tax free income forever after five hundred thousand in and it will generate over fifty thousand a year of tax free cash flow based on some of the worst ten year periods in American history as if it just kept going bad, and it allowed a ten percent pay out you go to most advisors who have your money in the market, and you ask for an illustration of predictable payout during retirement, many of them won't give it to you because they're not allowed to buy their broker dealer. But if they were there usually only limited to a four percent. Payout. Because dalbar says that the average mutual fund or stock market investor only averages three and a half percent. And if you're pulling up four percent that means that you're slowly going to deplete your nest egg. But hopefully, not before your L E L E is life expectancy. Just do the math if you had a million dollar nest egg, and you're only pulling out forty grand a year and the asset managers charging you one percent on that million yearly netting after fees thirty thousand and you have to pay tax on the forty thousand a yearly netting like sixteen to twenty thousand out of that million dollar nest egg. That's pretty pathetic that million dollar nest egg could generate eighty to one hundred grand a year of tax free cash flow without depleting principle into perpetuity, if you lived to be a hundred and twenty there's other instruments there's only a couple of annuities that I would ever owned, but the annuities that the wealth architects, I point my students to they can show you that if you ran out of. Money at age ninety five you will not run out of income. If you lived to be a hundred and twenty you'll keep getting income that is still linked to inflation. And when the cost of living goes up, your income keeps going up if you live to be one hundred twenty there are so many strategies that many people are not aware of.

IRS dalbar million dollar four percent seven eight nine ten percent one hundred percent twenty five years forty five years fifty percent seven percent one percent ten percent three weeks five years five days ten year
"eight nine ten percent" Discussed on 850 WFTL

850 WFTL

11:46 min | 2 years ago

"eight nine ten percent" Discussed on 850 WFTL

"With Keith singer. Back Keith singer Rosner, ROY I know a lot of people invest in equities, and stocks and mutual funds. They know it can be a bumpy ride. But they're trying to make money, right? What are people that you talked to what are they expecting to make from their stock investments twenty years ago, they're expecting to make fifteen percent a year the last couple of years, I think most people were happy if they could count on six or seven percent, right? I remember back in nine hundred ninety nine and if you're doing planning for people, you showed them at twelve percent return, which is very low given what the market had been doing the last few years. They look at you like you can only make twelve percent. What's wrong with you? What kind of advisory you're gonna make twelve percent of here? And you have to explain to them that's hard to do. You know, we're we're in a period right now where things are going. Well, but it isn't always like that. But historically, if you look at the big picture, then the stock market makes what eight nine ten percent a year right over long periods of time. But what? People don't realize is that that's over eighty years or nine years is a lot of ten year periods where the market doesn't make anything even loses. And then there's some ten year periods where you make eight to ten times your money. But those periods usually happen when a lot of people are already on the sidelines because they just lost a bunch of money in the previous years. And now they missed out on the good decades. At least, you know, the beginning of what we've just been through that situation in spades. People talk about the lost decade with respect to investing. And that was really two thousand of two thousand and ten where if he went into the market in two thousand you were going in at the peak of the dot com era. You saw losses down by fifty percent over the next three years. You kind of get your head above water in two thousand and seven only to see them. Walk a come crashing down in two thousand eight two thousand nine so people that have been invested for that full ten year period from two thousand to two thousand and ten made nothing that's one of the few ten year periods over the last night. Years. That's really returned nothing. Well, there was another period. I think for fifteen years like in the late sixties, correct? Where the market went about fifteen years without making any money. Well, the ten years ending in nineteen seventy five only made two percent. So I'm assuming that the fifteen years because the five years before that were pretty up years. I'm pretty sure that if the take the fifteen years from nineteen sixty nine hundred seventy five you're probably just about breaking even. Yes. So the thing is as an investor you have to account for what is what if we have a decade coming up who are doesn't make any money. Now. Let me say it doesn't make any money. We're not saying there aren't any updates or any up years. But from point eight point be when you when you add in the down years with the up years, he didn't make any money. So how do you account for that? Obviously one of the things we've been talking about is that there are vehicles which allow you to make money when the market's up and be invested if you will when the market's doing well, but not the invested when the market. Going down. And that's those are called uncapped index. New he's and they essentially allow you to make a percentage of the gains of an index in the periods. But none of the losses the down periods. And when you look at some of the charts, I know you like to make your charts, and your your grass, why don't you summarize the different decades what you've seen with comparing the two hundred two actually index annuities because I imagine in the really good decades. You might not make as much as the index because you don't make one hundred percent of it. But in the bad decades with us some bad years, if you miss those years, you could actually outperform the index. Correct. Well, over very long periods of time like twenty years the ability to make money with a uncapped index annuity is startling because you have so many up here. Remember over the last eighty years eighty percent almost eighty percent of the years were up right and only about twenty percent of down. But the problem is that the down years head to overwhelm the up years for several years to come. Especially if people make the classic trading mistake is they get nervous in the down. He has jumped out, and then they missed a good part of the upside right now one way to avoid missing out on the side as always be invested. But being invested in a vehicle that doesn't go down when the market goes down. And that sounds like it's almost too good to be true for many years that type of of investments been available, but there was the field limitations. Because the upside was what's known as cap. It was limited to five or six or seven percent. Now, having a maximum upside of say even seven percent, if your maximum downside is zero that seems very attractive until you run into a year way, the market does forty percent, and you only make seven percents, right? So you give it up a lot of potential gain. So recently last year. So some of the annuity companies have allowed the investors to participate in an uncapped upside they didn't. One hundred percent of the upside they typically get somewhere between sixty seventy maybe seventy five percent of the ups. Actually. I'm correct you. It's not recently because I actually own capped one from two thousand eight however, it's recently like a lot of insurance companies are now offering that you know, when I first did it it was a four year reset which means we only locked in gains. Every four years we we made ninety percent of the gains of the five hundred now, maybe you can lock your gains every two years. But you make seventy five percent something like that. Or everyone here and make sixty sixty five or sixty eight percent, right. So so there's different ways to participate in the upside. And if you look, well, what what would you have made the last twenty years? We just talked about the ten year ten years from two thousand two thousand ten right? Well, if you were vested in SAP index fund, you've ain't nothing if you invested in a index annuity with I sixty eight percent one year reset. Meaning he got sixty percent of the upside calculated at the end of each calendar year from the time. You make your investment your account would have grown by seven seventy percent. Right. So in the ten years where people invest in an index fund may zero you may seventy percent would no downside risks. Well, I do want to clarify a couple of things have you actually owned an index fund. You probably got dividends you may be made two percent a year, but take into account that a lot of times people had investments in two thousand and eight for instance, where the market's going down down down a lot of people would have said to their adviser. Oh, let me get more conservative. Let me go from one hundred percent equities to seventy percent equities. Right. So a lot of people didn't make nothing they made less than nothing. They lost money because when the market went down, they got more conservative, and when it came back up, they weren't participating fully. And so therefore. You can say that the index didn't make anything for ten years, but the average investor probably made less than nothing they probably lost money during that time period. Well, they locked their losses in when they sold at a loss because they got nervous. So that's that's we have to think to yourself if I could have some money that grew but had no risk of loss of the market went down. And it didn't make me stressed out. Every time the market's down because I know I couldn't lose without be a good thing for you. Well, really depends on your situation. Again, it depends on what you're trying to do your risk tolerance. But for a lot of people that makes a lotta sense. I know that over the last twenty years if you would've made I was just looking at some statistics if he would have made sixty seven percent of the s&p five hundred's gains in the up years, minus a two percent charge assay, and he lost nothing in the Dan years. You would have averaged about six and a half percent. So you can make six and a half percent whether the market's good or bad. Where there's a good decade or a bad decade. That's something you might want to own especially instead of your other conservative assets for many people if I said, you what do you hope to make on in terms of returns on your conservative assets? A lot of people say two percent three percent four percent. Well, if you can make six to seven percent, why not do that. Right. Well, that's a fantastic point case because most people that most I think a lot of people when they get nervous and they began to sell out of the more that they don't sell out everything. Right. They'll sell out twenty percent. Thirty percent percent. Very few people will sell out everything if for no other reason is because even though the market's going down a lot of what they're holding taxable accounts. As a prophet, sell it out they're gonna have to pay tax on that prophet. So they're gonna compound the loss in the value with taxes that they're gonna have to pay. So most people hold back a significant portion of their portfolio in the market. So as you say once you pulled some money out of the market. And this is the point that you want to go conservative with rather than settling for one percent in a money market fund or four or five percent than a bond fund might as well invest in southern that's going to happen. Expect the return of six and a half seven seven and a half percent. So a lot of people say, well, how can the insurance company give me a lot of money? There's a big correction. Well, what happens is the insurance company doesn't actually invest your money that you put in your next annuities into the index. They buy they know they have to pay back your money. Your money's guaranteed. Let's say ten years. Let's his tenure product is even five your products. Let's say you bought a five year product and your index is guaranteed in five years. You can get your money back. So they might say all right. Well, if they gave us a hundred thousand dollars, we need to put eighty thousand away in something that's growing conservatively four or five percents. So that in five years is worth one hundred thousand and with the rest of the money by index by futures on that index or call options index so that if the index does well, they can pay you a lot of interested. And if it doesn't then the options are worthless. But they. Still have your money. So that's how they had you. And right now with interest rates did rise recently. They're able to put less money away into the safer part to get you returns. And they had more money for options. The flip side is is that when the markets are more volatile options pricing goes up. So what we've seen recently is there's there's been a big increase in volatility, and that may cause insurance companies to make their offerings a little less attractive in the future. But for now, there are some really really great opportunities to put money into uncapped index annuities. You can use the s&p five hundred index. You can use something called the Cape Schiller. We've which we talked about which is an index that only tries to buy the cheapest part of the s&p five hundred each month. There's other types of index is called smart beta indexes, where they're more of a balanced index where you can get a index is comprised of stocks, but it's comprised of many different types of asset classes, and those tend to be easier to hedge. Because there are less volatile. So there is a window of opportunity right now to put money in a vehicle with very high upside and no downside risk if the market goes down. But I don't know how long that window is going to last. It really depends on what's what's happening with interest rates. What's happening with volatility? What's happening with supply and demand. How much people want index news? I can tell you that index annuities have definitely set record sales numbers in the last quarter in the last year versus historical numbers. So people are starting to realize that the new offerings are actually very very attractive. So take advantage. I urge you to take advantage of this window of opportunity to be able to stash the money in a place. That's safe. But still get decent returns. We have a lot of expertise in knowing which are the very best contracts. And incorrect commend what's the best contract. Giving your situation. Call eight six six wealthy or go to our website. It's singer wealthed dot com to schedule a free consultation. We're looking forward to helping you. Stay tuned..

Keith singer Keith singer Rosner ROY I Cape Schiller ten years ten year fifteen years seven percent twenty years two percent twelve percent five years seventy five percent one hundred percent sixty eight percent
A financial strategy relevant to everyone

Bucket Strategy Investing

02:28 min | 3 years ago

A financial strategy relevant to everyone

"Okay. What's happening today? Well, here's a strategy that is relevant to folks, especially now because we've seen some market highs. We just hit a record high here in the S and P what a week or so ago two weeks something like that little while back. Yeah. So, you know, here we go again, it's like the ninety fifth record high in the last eight years, whatever it is. Yeah. Eight years. I don't know couldn't be because we didn't really go back to the high until like two thousand wonder where the s&p recovered, but it took till like what two thousand twelve something like that. I don't remember it took some time. But anyway, we've seen a bunch of record highs over the last five six years recall it. And this means likely that your bucket number three, or your equity portfolio is somewhat higher than you had, you know, maybe count on all those years ago, and it usually maybe looking at this on a year-by-year basis at least when you're quote unquote, prophets even though they're only on paper. Are up. Does it make sense to maybe take some of those profits off the table and save them for when profits aren't so good, professor Plum, this technique called value averaging. And as I said last week when we tease this topic. It goes against instinct human instinct that we have the rational brain says. Yes, you should be doing this. Yes. Yes. Yes. The emotional side, which often takes over investing says why in the world what I ever consider trimming off something that's been growing like a weed over the last seven or eight years what because we want to trim. The weeds back win is the best time to sell something. When you have a very good profit. Now does that mean that it's going to not go up further, and you could have had a better profit? Well, it could keep going up. But it could also go down never again on paper. John talked about paper gains paper gains are wonderful, but they can turn around and go the other way before you lock in the real game. You can't spend paper games. You can't protect paper gates paper gains mean that I bought it at X, and it's currently showing as why which is why being a higher number. But until I actually sell it. I don't know what that why is going to be in the white could be higher or lower tomorrow could be higher or lower next month. So when should we be looking at potentially selling something when we have better than expected profits? Do you think there are people out there? I'm sure you probably have seen although the people you work with you may have dirty discussed this concept of value, averaging for there have to be a lot of people out there who have maybe done this bucket strategy more on their own, and they look and they see that they are. You know, how we see your house rich? They are bucket. Three rich. In other words, it's it's far above where they had intended it to be at this particular point in time. Not intended, but expected we all intend our portfolios to do nothing, but go up and up, and we really hope that they do fifteen to twenty percent a year. But that's not the expectation. The expectation is to hopefully average maybe eight nine ten percent a year on average. That's an average sub years. It'll be higher some years. It'll be lower some weeks things. And it's interesting. The the the mindset the behavioral finance side of this. I was speaking with somebody over the weekend. And one of the biggest issues that a financial planner deals with isn't the the financial side of the house. It's a psychological side of the house and helping people work through themselves, and they Billy we saw people who when the market went down earlier in the year, and we had a high in late January, and then it dropped quite a bit in February. March while they were freaked out. They didn't want to sell anything then because it had dropped. And then when it comes back, and they say well when it gets back. We'll do we'll take some cream off the top even though they were a lot higher than they thought. They were going to be at the time. Now, they don't want to sell because the Marcus back a little bit. Yeah. You don't want to sell when it's down. You know, even though you're a lot higher than you still expect. I was up twenty three percent higher than I thought. I would be now I'm only up seventeen percent higher than I thought I would be. So I got to wait till I get back to the twenty three percent level. Well now that a backup twenty four percent. Why would I sell now? It's a matter of and it's it's in all of us. We all liked the idea the think we're gonna make more money. And if you're twenty five thirty you've got twenty years left to run for the portfolio. This probably doesn't matter in any way, shape or form. You're just gonna keep funding it through your payroll deduction, you're going to keep fighting a Roth IRA's, hopefully, you're just going to keep funding funding Byerly by often by buy low it doesn't matter because you've got twenty years left, and you've got the time rise. But when you're getting closer to the time period where you're going to need the money when you get closer to or are in the retirement sector, you just don't wanna see huge drops. You really love seeing the very large gains. But you hate the drug now remember also though, you may only have a third of your money in the portfolio in the long term growth area, the more volatile areas. But also those volatile areas tend to give you the higher returns. At least. That's the goal, right? That you have to accept that volatility. But volatility goes both ways it can go up. Let's take advantage of that. They can go down. Let's protect against that by having a long enough time. Or is it that we don't need to sell when it's down. Yeah. And that's the other half of this too. Which is when it's down you have to have the emotional fortitude to say, this is a great opportunity. I'm going to take some of this cash, and I'm gonna go put it in to get myself back to where I need to be fair. The idea of value averaging is to first and foremost have a plan because you can't value average. If you don't have a plan because you can't value. I don't know where you were expected to be you have to have an expectation and you have to be exceeding expectations or severely. You have to have a goal of plan a strategy. And the mindset that says this is what I expected. Here's what I'm going to do win something other than the expectation that curse, and it happens all the time.

Viagra Wave Home Solutions Johnny Dean Rick Plum Professor Five Hundred Dollars Ninety Nine Dollars Fifteen Dollars Three Dollars One Eight Eight Eight Nine Eig Six Hundred Dollars
"eight nine ten percent" Discussed on KSCO 1080

KSCO 1080

02:07 min | 3 years ago

"eight nine ten percent" Discussed on KSCO 1080

"Payments to the mortgage company so there are eleven chapters that all have little stories sort of like a chicken soup for the financial soul storybook and we have over sixty stories in the right brain side of the book and she was blown away with the concept behind this left brain right brain book that's coming out and so she was asking me questions about why people learn differently and i found many times in a married couple for example one spouse will make decisions more left brain the other might make the decisions more right brain they'd like the stories and the examples actually you need to use your whole brain and that's why are creator blessed us with the whole mind okay but it's really understanding why people feel confused and isolated in powerless and i'm always passionate about providing clarity confidence and capability especially in making financial decisions and so i talk about the key elements of a prudent investment being liquidity number one two is safety and not just safety of the institution but safety of principle that when you're setting money aside you want it to be protected as much as possible from loss due to market volatility or those types of events that caused so many people to lose much money in the market when it goes through all types of whipsawed like we experienced earlier this year and then i talk about predictable rates of return not pie in the sky rates of return but those averaging seven eight nine ten percent and i prefer tax free so in this book i talk about about how to choose investments that are tax free not just tax deferred and so she started talking about why it is that people get duped into putting money into tax deferred ira's 401k's well i'm out of time on this segment but if you stay with me i'll share with you some of the other questions that she asked but if you've got to go and you want to learn about how.

ira seven eight nine ten percent 401k
"eight nine ten percent" Discussed on KSFO-AM

KSFO-AM

02:06 min | 3 years ago

"eight nine ten percent" Discussed on KSFO-AM

"Payments to the mortgage company so there are eleven chapters that all have little stories sort of like a chicken soup for the financial soul storybook and we have over sixty stories in the right brain side of the book and she was blown away with the concept behind this left brain right brain book that's coming out and so she was asking me questions about why people learn differently and i found many times in a married couple for example one spouse will make decisions more left brain the other might make the decisions more right brain they'd like the stories and the examples actually you need to use your whole brain and that's why our creator blessed us with the whole mind okay really understanding why people feel confused an isolated and powerless and i'm always passionate about providing clarity confidence and capability especially in making financial decisions and so i talk about the key elements of a prudent investment being liquidity number one two is safety and not just safety of the institution but safety of principle that when you set money aside you want it to be protected as much as possible from loss due to market tilleke or those types of events that caused so many people to lose much money in the market when it goes through all types of whipsawed like we experienced earlier this year and then i talk about predictable rates of return not pie in the sky rates of return but those averaging seven eight nine ten percent and i prefer tax free so in this book i talk about how to choose investments that are tax free not just tax deferred and so she started talking about why it is that people get duped into putting money into tax deferred ira's and 401k's well i'm out of time on this segment but if you stay with me i'll share with you some of the other questions that she asked but if you've got to go and you want to learn about.

ira seven eight nine ten percent 401k
"eight nine ten percent" Discussed on KSFO-AM

KSFO-AM

02:20 min | 3 years ago

"eight nine ten percent" Discussed on KSFO-AM

"Payments to the mortgage company so there are eleven chapters that all have little stories sort of like a chicken soup for the financial soul storybook and we have over sixty stories in the right brain side of the book and she was blown away with the concept behind this left brain right brain book that's coming out and so she was asking me questions about why people learn differently and i found many times in a married couple for example one spouse will make decisions more left brain the other might make the decisions more right brain they'd like the stories and the examples actually you need to use your whole brain and that's why our creator blessed us with the whole mind okay but it's really understanding why people feel confused and isolated empowered and i'm always passionate about providing clarity confidence and capability especially in making financial decisions and so i talk about the key elements of a prudent investment being liquidity number one two is safety and not just safety of the institution but safety of principal that when you're setting money aside you want it to be protected as much as possible from loss due to market volatility or those types of events that caused so many people to lose so much money in the market when it goes through all types of whipsawed like we experienced earlier this year and then i talk about predictable rates of return not pie in the sky rates of return but those averaging seven eight nine ten percent and i prefer tax free so in this book i talk about how to choose investments that are tax free not just tax deferred and so she started talking about why it is that people get duped into putting money into tax deferred ira's and 401k's well i'm out of time on this segment but if you stay with me i'll share with you some of the other questions that she asked but if you've got to go and you want to learn about how to better manage your serious cash and past the lake quantity safety rate of return and tax advantage tests on your financial portfolio come and learn.

principal ira seven eight nine ten percent 401k
"eight nine ten percent" Discussed on KSFO-AM

KSFO-AM

02:20 min | 3 years ago

"eight nine ten percent" Discussed on KSFO-AM

"Payments to the mortgage company so there are eleven chapters that all have little stories sort of like a chicken soup for the financial soul storybook and we have over sixty stories in the right brain side of the book and she was blown away with the concept behind this left brain right brain book that's coming out and so she was asking me questions about why people learn differently and i found many times in a married couple for example one spouse will make decisions more left brain the other might make the decisions more right brain they'd like the stories and the examples actually you need to use your whole brain that's why our creator blessed us with the whole mind okay but it's really understanding why people feel confused an isolated in powerless and i'm always passionate about providing clarity confidence and capability especially in making financial decisions and so i talk about the key elements of a prudent investment being liquidity number one two is safety and not just safety of the institution but safety of principle that when you're setting money aside you want it to be protected as much as possible from loss due to market volatility or those types of events that caused so many people to lose so much money in the market when it goes through all types of whipsawed like we experienced earlier this year and then i talk about predictable rates of return not pie in the sky rates of return but those average seven eight nine ten percent and i prefer tax free so in this the book i talk about how to choose investments that are tax free not just tax deferred and so she started talking about why it is that people get duped into putting money into tax deferred ira's 401k's well i'm out of time on this segment but if you stay with me i'll share with you some of the other questions that she ask but if you've got to go and you want to learn about how to better manage your serious cash and pass the quantity safety rate of return and tax advantage tests on your financial portfolio come and learn.

ira seven eight nine ten percent 401k
"eight nine ten percent" Discussed on BizTalk Radio

BizTalk Radio

02:02 min | 3 years ago

"eight nine ten percent" Discussed on BizTalk Radio

"But if you're adviser is calculating eight nine ten percent your numbers are going to be way way off way off when you incorporate this forecast into a sixty forty portfolio of stocks and high quality bonds with geo roughly two point six percent today the expected total return of such a portfolio is at four and a half percent near its lowest future expected returns of the past century by the way that five point six percent expected return if the multiples don't come down here's what they say about that if you're in the camp that believes stocks will revert to longterm average multiples the expected return drops to two point four percent not five point six so now you're down in the three percent three point two percent range and we've seen people like jeremy grantham and others tell us that now this is a five year projection it's not a fifteen year projection so please don't misunderstand because over a thirty year period of time i think you'll get that eight percent return we've i don't think we've had a thirty year period where stocks haven't done eight but the way you get there is not gonna be at eight percents every single year you might have to go for five or ten or fifteen years underperforming while you go for five or ten or fifteen years over performing when we come back it's email time but i'll explain what the solution here is as well stick around slowly life insurance is one of those things that just about everybody needs but few.

jeremy grantham fifteen years six percent thirty year eight nine ten percent eight percent three percent fifteen year four percent two percent five year
"eight nine ten percent" Discussed on KHNR 690AM

KHNR 690AM

02:41 min | 3 years ago

"eight nine ten percent" Discussed on KHNR 690AM

"When monies taken out of the the stream of the economy when a dollars taken out of the stream of the economy just because politicians and regulators say it ought to be because you're putting some fictitious category and therefore you have to cough up a certain amount of uh of money to all levels of government because otherwise you're going to go to uh not to do with the government is constitutionally supposed to do but the do all these extraconstitutional things when you take that dollar air out of the economy and run it through the hands of multiple levels of bureaucracy and it comes out the other end in does god knows what that kills an economic stream kiss all this tax talk the we have going on now all this tax what we have going on here the socalled supplysiders three or four guy selfappointed to tell us that these cuts for the corporations will help america of course they will so why wouldn't cuts for individuals have america since we individuals pay the bulk of the federal income tax and corporations pay a friend of mine who's an ambassador pointed this out to me pay may be eight nine ten percent of the federal income tax you and i pay the rest of it doesn't it makes sense that if you slash high rates across the board that will create wealth too but the problem is folks they spend so much money they borrow so much money they claim to be fiscal hawks that they say well we can't count we can it'll add to the debt and yet they make no proposals for cutting significant government spending unless of course it's the military which we need to protect us which is one of the responsibilities of the federal government when take money out of the private sector it has consequences intended an unintended think about all the wealth and i don't mean by that rich think about all the wealth that would find other areas to grow ideas we haven't even conceived of yet that create jobs they create opportunities that create life improving in lifesaving inventions and technologies and products gene.

america income tax federal government eight nine ten percent
"eight nine ten percent" Discussed on WCBM 680 AM

WCBM 680 AM

02:56 min | 3 years ago

"eight nine ten percent" Discussed on WCBM 680 AM

"Have to cough up as certain amount of uh of money to all levels of government because otherwise you're going to go to prison not to do with the government is constitutionally supposed to do but the do all these extraconstitutional things when you take that dollar air out of the economy and run it through the hands of multiple levels of bureaucracy at the other end and does god knows what that kills an economic stream kills all this tax talk that we have going on now all this tax talk we have going on you hear the socalled supplysiders three or four guys selfappointed who tell us that these cuts for the corporations will help america of course they were so why wouldn't cuts for individuals have america since we individuals pay the bulk of the federal income tax and corporations pay a friend of mine who's an ambassador pointed this out to me pay maybe eight nine ten percent of the federal income tax you and i pay the rest of it doesn't it makes sense that if you slash our rates across the board that will create wealth too but the problem is folks they spend so much money they borrow so much money they claim to be fiscal hawks that they say well we can't couldn't we can add to the debt and yet they make no proposals for cutting significant government spending unless of course it's the military which we need to protect us which is one of the responsibilities of the federal government when you take money out of the private sector it has consequences intended in unintended think about all the wealth and i don't mean by that rich think about all the wealth that would find other areas to grow ideas we haven't even conceived of yet that create jobs they create opportunities that create life improving in lifesaving inventions and technologies and products instead we have what our economic illiterates on one network channel after another one cable channel after another one satellite channel after another one am and fm station after another and of course throughout these so called media complex absolute economic and yet ladies and gentlemen all that we have about us virtually all of it was created in spite of the government.

america income tax federal government eight nine ten percent
"eight nine ten percent" Discussed on WJNT 1180 AM

WJNT 1180 AM

03:13 min | 3 years ago

"eight nine ten percent" Discussed on WJNT 1180 AM

"Three or four guy selfappointed who tell us that the uh uh for the corporations will help america of course they were so why wouldn't cuts for individuals have america since we individuals pay the bulk of the federal income tax and corporations pay a friend of mine who bashar pointed this out to me pay maybe eight nine ten percent of the federal income tax you and i pay the rest of it doesn't it makes sense that if you slash our rates across the board that will create wealth but the problem is folks they spend some money they borrow money they claim to be fiscal hawks that they say well we can't can we can add to the debt uh they make no proposals vouch for cutting significant government spending unless of course it's the military which we need to protect us which is one of the responsibilities of the federal government when he checked out of the private sector it has consequences intended in unintended think about all the wealth and i don't mean let rich think about all the wealth that would other to grow ideas we haven't even conceived of yet that create jobs they create opportunities that create life improving and lifesaving inventions and technologies and products instead we have what our economic illiterates on one network channel after another cable channel after another one satellite after another one am and fm station after another and of course throughout these so called media complex absolute economic illiterates and yet ladies and gentlemen all that we have about us virtually all of it was created in spite of the government and we are taught we're indoctrinated in our universities and below hi schools two of the evils of capital the evils had competition the evils of market systems how flawed they are how imperfect they are how creates massive wealth gap let me ask you something wanna to talk about wealth gap let's really talk about wealth gap when you go into a seven eleven are those billionaires in there or the millionaires in there may be all kinds of people from all walks of life god knows where they are economically on the income scale that they tell us about people buying cigarettes people buying hot dogs people buying whatever their bank handy people buying apples people buying buying barn there is not another system another economic system on the face of the earth.

america income tax federal government bashar eight nine ten percent
"eight nine ten percent" Discussed on KSFO-AM

KSFO-AM

02:48 min | 3 years ago

"eight nine ten percent" Discussed on KSFO-AM

"Other end and does god knows what i saw that kills an economic stream kills all this tax talk that we have going on all this tax talk we have going on you hear the socalled supplysiders three or four guy selfappointed who tell us that these cuts for the corporations will help america of course they will so why wouldn't cuts for individuals help america since we individuals pay the bulk of the federal income tax and corporations pay a friend of mine who's an ambassador pointed this out to me pay maybe eight nine ten percent of the federal income tax you and i pay the rest of it doesn't it makes sense few slash high rates across the board that will create wealth too but the problem is folks they spend so much money they borrow so much money they claim to be fiscal hawks that they say well we can't count we can add to the debt and yet they no proposals for cutting significant government spending unless of course it's the military which we need to protect us which is one of the responsibilities of the federal government will he take money out of the private sector it has consequences intended an unintended think about all the wealth and i don't mean yet rich think about all the wealth that would find other areas to grow ideas we haven't even conceived of yet that create jobs they create opportunities that create life improving in lifesaving inventions and technologies and products yeah instead we have what our economic illiterates on one network channel after another one cable channel after another one satellite channel after another one am and fm station after another and of course throughout these socalled media complex absolute economic illiterates and yet ladies and gentlemen all that we have about us virtually all of them was created in spain and we are taught we're indoctrinated in our universities and below hi schools two of the evils of capitalism the evils at competition the evils of market systems how flawed they.

america income tax federal government spain eight nine ten percent
"eight nine ten percent" Discussed on BizTalk Radio

BizTalk Radio

02:02 min | 4 years ago

"eight nine ten percent" Discussed on BizTalk Radio

"What are why you own in i make sure i don't tell you guys what i on on the show in this simple reason why because i care about jobs and what i mean by that it is i can tell you one monday i own this that the other thing in the tuesday's sell it and then i have to tell you why sold it and maybe somebody than the here on tuesday i sold it so bull some very careful about all that what i will tell you this i took a little action and basically as a hint some china action i took some action this week and foot somewhat obvious reasons and the strongest names out there but i took some evasive action and i'll get right back in if i think things are okay i'm malleable as they say again so that's how we do things in as i'm sitting here and talk student up do a little rescheduling armed coming up with names that kind of went by the way site and it's a lot of these regional banks as scanning of recently mgm grand up just look at the junk bond market got hit hard this week if you look at each white g and j n k and i don't know if it's coincidence that tesla was able to do junk bonds at five and a quarter percent and by the way if you wanna know what i mean by a bubble in junk bonds in a normal laurel tesla do it a billion and a half dollars of junk bonds they'd have to pay probably eight nine ten percent the pink five and a quarter five and a quarter and that's where so many people are going get screwed down the road when junk bonds finally blow up and they will there's no doubt my mind they will but junk bonds moved down this week are gold stocks moved up this week obvious reasons an and gold little bit of fear trade.

tesla mgm eight nine ten percent
"eight nine ten percent" Discussed on KSFO-AM

KSFO-AM

02:14 min | 4 years ago

"eight nine ten percent" Discussed on KSFO-AM

"Of people have wobble in their life because they only focus on one or two legs of that stool this is why we believe it live abundant in three dimensions of authentique wealth not just the financial dimension but their intellectual assets and also the foundational assets because you must be balanced and that's what true or authentic wealth is all about there are ten different categories that off times i teach that have a list of three gang and i'll address some of these right now there's three key elements for example of a prudent investment this is a financial show and so we teach in our educational sessions the three key elements of any prudent investment number one liquidity the ability to access your money when you need it with an electronic funds transfer phone call number two is safety the safety of principle safety of the institution safety of your money so you don't lose and number three is a predictable rate of re turn not pie in the sky rates of return but rates of return averaging seven eight nine ten percent and of course we prefer taxfree but that's what we call the these are test liquid assets safely earning returns i talk about three types of people in my seminars the drivers arrivers and thrive verse strivers alike many americans that still have too much month left at the end of their money most of their life because they're always borrowing too who consume instead of to conserve and they don't understand the three miracles are marvels of wealth accumulation the arrivers learn how to a disciplined themselves by living on less than what they earn and they learn these three marvels thrive verse repeat the process this not a one off so there's three kinds of people's drivers arrivers and drivers there's actually three sources of income and if you have never figured this out people at work money at work and charity now i can teach.

electronic funds transfer seven eight nine ten percent
"eight nine ten percent" Discussed on CNBC's Fast Money

CNBC's Fast Money

02:01 min | 4 years ago

"eight nine ten percent" Discussed on CNBC's Fast Money

"To an old old hardware based tech i don't think they could make the switch but those people that didn't think that they could make that turn to cloud this is a huge bet that you're making on on these companies right now with the coup kids on the block their lust for them is fading i don't know i mean i like oracle up eight nine ten percent in in a day to me that's i mean that's not to say that the company is talking to do well but we've seen a massive move here so if i'm long it on selling i'm certainly not by a bath stocks after him would you choose right now that's a would point of people even want to throw microsoft in in the bang bang man think goes in the old eob i i know that i'm just saying i feel like you're getting some new age tech with microsoft which is one of the reasons why it's been rerating the way it it's than oracle as well because of the movement now i would take an allocation that would split and a half between thing i think you have a case here this is the point where making mean oracle has found itself now in a software space itziar is getting in multiple that's fifty times what they're multiple it's if you look at cisco they're moving to a recurring subscription and software platform this is not the sisco of back and that air that's a higher multiple stock than it is here i think cisco's when you buy any that's a good point there because we're talking about these old tech names but they had managed to come into this airlie got ibm and old tech name which is struggling so much to come into in struggling steve mecir's size of ibm he's right but you know i market kept wise ibm's a lots more than oracle's them north the two hundred billion dollars ibm at one hundred fifty billion dollar companies the reality is ibm is just so far behind the curve now that they don't deserve the multiple they currently have i don't know if that's so true leading house are the ones in a glock but if you what are you looking for you looking for something that's going to really ramp up and where the growth is i am over any absolutely overall those old technique would you rather.

old hardware microsoft software platform cisco airlie ibm steve mecir oracle one hundred fifty billion doll two hundred billion dollars eight nine ten percent
"eight nine ten percent" Discussed on KSFO-AM

KSFO-AM

02:27 min | 4 years ago

"eight nine ten percent" Discussed on KSFO-AM

"Number one liquidity the ability to access your money when you need it with an electronic funds transfer phone call number two his safety safety of prince the ball safety of the institution safety of your money so you don't lose and number three is a predictable rate of re turn not pie in the sky rates of return but rates of return averaging seven eight nine ten percent and of course we prefer taxfree but that's what we call the laser test liquid assets safely earning returns i talk about three types of people in my seminars the drivers arrivers and thrive virzy strivers alike many americans that still have too much month left at the end of their money most of their life because they're always borrowing to consume instead of to conserve and they don't understand the three miracles are marvels of wealth accumulate asian the arrivers learn how to a disciplined themselves by living on less than what they earn and they learn these three marvels the thrive verse repeat the process is not a oneoff so there's three kinds of people's drivers arrivers and drivers there's actually three sources of income if you have never figured this out people at work money at work and charity now i can teach you that money at work is far more predictable and better because it works twenty four seven then you having to get up every day for the rest of your life and have to work for for what you're going to be consuming that day so people at work is okay but money at work as way better charity is when you're expecting everybody else to provide for you which is using the best way to add rather be charitable to be able to help others but not always have to be the recipient of of others taking care of me this is self reliance and being financially independent there's three things you can do with money you can spend k you can lend or you can own with it now a lot of people think well i'd rather owned will that's good but actually i doubled debt by sort of 'one in loan on the same assets because money in a lended position is actually some of the best stable rates of return.

electronic funds transfer seven eight nine ten percent