Wicked Housewives On Cape Cod 3

The Timing Gap.  You know…that little pause that happens right before you should have ducked but instead, took a face full of cream pie!  Three Stooges fans will know exactly what I mean.  Unfortunately, the same sort of Timing Gap often happens when people know they should be positioning for a market correction and instead, wait just a little bit longer…hoping to wring every last penny out of the highs.  After all, no one wants to be the nervous Nelly that ducked when the pie was yet to be thrown, right?  Wrong!!! The reason why so many people lose at the market game is because they fail to understand the true impact of the Timing Gap. What happens when the Timing Gap finds you a little late?  You get a full face splat of retirement income shortfall, and that doesn’t taste nearly as good as a crème pie. So what is the Timing Gap, how do you recognize it and what can you do to reduce or eliminate its impact? Well, these are all things that will be covered in my next show.  So tune and let the pie hit the ones behind you (again, Stooges fans get it!).

The Lure of Sin City With a remarkable regularity, people flock to the halls of Sin City to release themselves from the burdens of their hard earned money.  As I sit here in the hotel of a well-known hotel on the Las Vegas strip (yes, it is for business and yes, I am sticking to that story), I am stunned by the thousands upon thousands of people that travel to do that very thing.  Maybe it’s me.  Perhaps I just don’t get the seductive appeal of smoky rooms filled with machines and tables that devour money at a blinding pace.  Maybe they come for the 116 degree days.  For me it’s hard to know. The reason is, with savings rates at an all-time low, a populace facing an epic numbers of under-funded retirees and looming entitlement cuts (Social Security, Medicare and Medicaid), I have a hard time reconciling why so many folks sacrifice their otherwise conservative ways in a place specifically designed to take your money. If someone offered you an investment with Vegas casino odds, you would laugh them out of the room. Well, the time has come to get serious.  Enough play time.  Let’s talk about real solutions to real issues regarding savings, spending, retiring and your legacy. Listen in live from the Vegas strip or get the recorded version.  The facts are there for you to benefit from.  You just need to embrace them and spread the word.  It will make you feel a whole lot better than a twirl of the roulette wheel.

The Media Are Stealing Your Money! How can those buggers on the “news” reach out from behind the TV screen and get your wallet?  It’s easy.  With their big, flapping partisan mouths, that’s how!  It’s true.  Every time one of these knucklehead “news” people goes out and bashes one political side or another, the markets move…and usually not in your favor…particularly if you are actually in the market still.  So what can you do to keep yourself from being a financial victim of this never ending nonsense?  Well, the first good step would be to listen to my show.  I will address this issue head-on, tell you how it is happening in detail, give you some tips on how to profit from it and ultimately, stop it forever. Sounds like a tall order.  We the people have the tools at our disposal to make our individual situations better.

Want to keep ALL the money you made in the market lately? I bet you do!  The question is, how to do it and still make money with the market without the risk of the market.  Hum…there is a twisty for the old noggin! Not for my clients I say!  They all know how to do it and do it well they do.  Want to avoid that sick feeling when you go to bed at night and wonder what sort of world event is going to cause the market to “correct” and leave you with way less than you thought?  You know you do so just tune in and find out why I have the most well rested clients in the world.  I also know you think your 401k or mutual fund or CD are going to eventually pay you great rewards.  Maybe so…if properly attended to and the government does not go through with its plans for otherwise. YES…this show will protect you from both a little known but very present program and, the whims of the market.  How can you lose?

Do you want a TAX-FREE retirement? If your answer is yes (I can’t imagine anyone would say no) then I have the best ways to do that short of starting your own illegal drug cartel.  Plus, these techniques are legal and extremely well worn.  That means a ton of people are using these methods and you are missing out.  Good for them.  Not good for you. Sound too good to be true?  I hate to disappoint but, they are true and you need to know about them as soon as possible. My show will cover all the ways I know that make saving AND spending your money a tax-free journey only Uncle Sam could get upset about. Wouldn’t it be nice to have a free flowing supply of tax-free cash that doesn’t have all those pesky ink dye issues bank robbers need to deal with?  Of course…unless you like showing off all of your purple, marked serial numbered 20’s to local law enforcement.

6 Things that Could Save Your Life (Real and/or Financial). I have a friend I just found out is going through a very difficult and expensive time.  It makes me sad and mad.  The sad part is obvious.  The reason I am mad is I could have made sure the expensive part of the equation was non-existent. Why?  Because, had I made a big enough deal about a particular coverage that I sell, she might have actually had it before the difficulty beset her and her family. Then I got to thinking…what other little known things that I do which are not widely known?  How many other friends and clients are unnecessarily suffering financially or otherwise because these things are just not known well enough? This show aims to fix all that.  The 6 specific situations I will cover are: How you can avoid paying exorbitant Long Term Care insurance premiums and still get coverage without government helpIf you are a partner in a business, how you can buy out a partner if they become disabled instead of die or retireHow to make sure you have health insurance AND A WAY TO GET HOME if you get sick or hurt while out of the country on vacation or businessHow to benefit from a fluctuating economy and get high guaranteed interest ratesHow to get up to 9% interest and an immediate income from federal pensions (not your own)How to use tax free money to fund college expenses that start on day one These things exist and you need to know about them right now.  My apologies if you have had to wait this long to find out.  Some of my clients do know about some of them.  Everyone should know about all.

How Politicians Can Make You Money Who wants to talk politics?  Okay, everyone can pull the forks out of your eyes now.  Would you want to hear about politics if I could show you how to make money from it?  How about if I can show you the very people you either love or hate (Republicans or Democrats), are hard at work making money for you and they don’t even know?! This show will be the Holy Grail of anti-politics. The big question anyone that knows me is asking now is, “Can I avoid the 3rd rail in a conversation as potentially polarizing as this?”  I guess you will have to listen in to find out! The main points I hope to engage will be: The pros and cons of Republicans and DemocratsHow to use Washington conflicts to better your retirementThe best techniques to make money no matter who is in powerHow to win despite their best efforts to the contrary Really, the theatre of politics is there for you to profit from…provided you know how.

The Secrets of How the Pro’s Shop for Life Insurance Have you ever wondered why it is, you spend hours upon hours of searching online for what you think is going to be the best priced, most heavily researched life insurance quote available to humankind, only to find a 5 minute call to a true professional yields even better results?  How is that possible, you wonder.  The answer is…ah…you will have to listen in to find out! Thankfully, this will not be a show about how we dress in funny uniforms and fly around like Superman (as cool as that would be if true!) while finding you the best insurance possible.  It will be a show that divulges so many industry secrets, I will probably have to go into the insurance witness protection program.  Heck, I am even going to be broadcasting from a hidden bunker in an undisclosed location just to get a head start on the hit squads! In this show, I am going to divulge: The secret pre-screen process used by pro’s to weed out the non-playersThe secret quote tools used to shop hundreds of companies with one clickThe secret process used to get companies to compete for your businessHow pro’s can get nearly everyone coverage…regardless of age, health or income Want to learn the super-secret insider tricks and techniques the pro’s use and how they can best be put to use by you…then tune in.  There’s no telling how long I will be on the air before “they” find and silence me!

Lessons I Learned About Money/Retirement/Family/Life While Learning to Fly Have you ever wanted to learn to fly?  Well, this is not a discussion of my life flashing before my eyes as I fell through the air from the top of a pear tree (that really did happen).  The kind of flying I am talking about is actually voluntarily placing myself in a large piece of metal and coaxing it to leave the earth at my request, at a very high rate of speed, to a very high altitude.  Doesn’t sound too smart when you put it that way now, does it?! Years ago, I did that very thing.  I decided I wanted to become a private pilot and set about getting properly trained to do so.  The interesting thing is, while I succeeded in becoming a licensed pilot, the training and continued discipline taught me much more about my business and life than I ever imagined.  Flying is an inherently dangerous activity regardless of your planning.  So too is life.  However, scant little has been accomplished by anyone or anything (money) that remained locked away in a bunker.  The very act of living requires a certain amount of risk.  The level of which is decided upon and managed by each of us. In this show, we are going to talk about: How your family is like a runwayWhat take-offs, landings and approach patterns have to do with retirementWhy a well-executed pre-flight check is required in all aspects of lifeHow devastating an untimely or unplanned departure can be on a successful flight and your financial security I will also share some stories of a few of my more harrowing events that I survived (obviously) and some other fun anecdotes as well. Find out what it takes to get your wings!

Your Grandparents Learned What You Should Never Forget I am not talking about the ability to recite all 50 State Capitols lest you feel the wrath of a ruler across your knuckles in class.  As remarkably effective a teaching tool that was for some, there were many other life lessons they learned that would serve us all to take stock in. If time teaches us nothing but one thing it would be that it always marches on with each generation eschewing the old ways of the previous.  Yes, our grandparents grandparents were as frustrated with them as ours are with us. Thus, being doomed to repeat bad history.  Naysayers would cry…OUR times have no relevance to the days of old. Hah!  It may seem faster but, the elements of living, planning and dying are always the same. So, are there things to learn?  Of course.  Let reminisce about the things of today.  You will be surprised how many you remember and how many you may have never learned (again) yet. Let’s talk about why we always seem to have to re-learn the hard lessons the hard way time and time again?

Save Tax-Free Money for College & Retirement…at the Same Time You can save TAX-FREE money for both college and/or retirement in one place.  Oh-oh.  I think I hear the secret government silencing agents descending on me now!  Imagine such a heresy exists in this world of taxes on taxes?!  Well, it does and has for a very long time. Not only that, it is a safe bet most of Congress has used this method for decades.  It’s probably why they haven’t sought to close up the opportunity. I am going to leave you in suspense as to exactly how this is possible.  You will have to listen to the show if you want to know what this magical creature is but, you will also hear about: How parents and grandparents can benefit from this programThe complete absence of government imposed use penalties (unlike 529’s, IRA’s, etc.)The absence of funding restrictionsHow most plans are outside of FAFSA income guidelinesHow money is not income, will not impact Social Security and is TAX-FREE Curious?  I am…I mean...you should be (I hate it when I get excited about my own narrative)!  Learn about this incredible yet extremely well worn program, unless of course, you think the government should have more of your money.

Business Owners & Ostriches Can’t Avoid the 3D’s It is staggering how many business owners run their operations like they took their management lessons from the OAA (Ostrich Association of America).  The ominous issues of Death, Disability and Departure (the 3D’s) are omnipresent and yet, ignored.  I can guarantee two of these will be part of every business owner’s life.  Maybe, even all three. What then, if you have made no plans on how to address each?  Will they simply take care of themselves?  Will the business genie show up at precisely the right time and grant your wishes of happiness and prosperity?  If the realities of what will happen now and/or in the future get little to no attention, your business is in serious trouble.  Have a partner or partners?  Your problems just grew exponentially. In this show designed exclusively for business owners/partners of all sizes, we will discuss the 3D’s in detail as well as: The blessings and curses of partnersThe serious peril of unfunded Buy/Sell agreementsThe most common mistakes of Buy/Sell agreementsHow to diffuse the ticking time bomb in your deskReal case studies of when things went right and when they went wrong Save your business, your family and your employees an otherwise certain dance with financial doom and find out how good it can feel to look around above ground and get things right.  Warning, listening to the show may end up voiding your membership in the OAA!

You Are Better Than You Think…sometimes Look in the mirror and what do you see?  Some folks will see lumps, bumps and all manner of ailments/imperfections leading to a depression deeper than the Marianas Trench.  Others will see those same things and think…yeah…Adonis city! Whichever angle of the mirror you choose to look at, I can say all of us are almost always wrong.  When it comes to life insurance, you are almost definitely wrong.  Think you are uninsurable or your problems will cost you big bucks for premiums…usually not.  Think you are the best ever…sometimes a reality check is in order. I will discuss some real life cases of real people (names withheld to protect the innocent, Sergeant Friday) and what became of their imagined premiums in real terms. What’s better, you will hear about some folks that absolutely crushed their premiums into little bite sized morsels even cinnamon flavored cereal cannibals wish they could feast on. So tune in and feel awesome(er) about what the free world (life insurance industry, specifically) thinks about you and your bodacious physique!  Best, Greg

You’re Gonna Die! (Top 10 Reasons Folks Fear Life Insurance) There is a day for us all when we stop coming down for breakfast, even if the previous 32,849 breakfasts were healthy enough to make Jack Lalanne want to crank out a few hundred more push-ups from the great beyond. Your departure from your mortal coil is a guarantee.  When, is another issue.  So why do so many people fear the subject of life insurance? After nearly 34 years in this industry, I can say there are as many reasons as there are people.  However, there are several that tend to be the most common.  Welcome to the Top 10 Most Common Fears of Life Insurance!  This show will give you a David Letterman style top 10 list breakdown of the reasons why so many folks avoid this most inevitable of events (sans the orchestral support). The fun part will be to see how many you can personally relate to…and then maybe decide to remedy. Feel free to applaud along with the live imaginary studio audience!

How the Superbowl Can Help Your Retirement This is not a show to celebrate the insightful many that wagered on yet another Patriots Superbowl victory (however sweet it was!).  Although, I am sure there are more than a few folks that make gambling a major part of their retirement plans.  Pity on all those Atlanta fans that used that technique last Sunday! So what can we learn about retirement from a group of large, tightly panted men that make a living smashing into each other at force that could turn coal into diamonds?  I would say, many things.  This particular Superbowl had everything.  Excitement, disappointment, over exuberance, winners and losers. Kind of sounds like many retirement plans. In this show, I am going to deconstruct the basic elements of the game and show you how they are positively linked to good and bad retirement plans. Things like: Do Your Job!Large, well-prepared opponentsUnforeseen errors and injuriesValue of pressing forwardOvertime Yes, this will be a celebration of America’s team!  It will also be something to which we can all be inspired to aspire.  Let's keep the party going long after the duck boats have come to rest!

So, can you name one thing that costs less today than it did 10 years ago?  Stock in winners like the Ford Pinto or the 8 track tape recording industry don’t count.  Things just cost more over time.  The same is true with insurance and retirement planning.  So why is it the vast majority of folks wait until costs for such become near critical before deciding to buy? Of course life insurance is cheaper on a healthy 20 year old than it is an ailing 70 year old.  Yet, many folks tend to wait.  Are you invincible?  Are you the absolutely going to win the lottery?  Of course not. This show is going to show you real numbers and real statistics on things like: Cost of life insurance over timeWhen it becomes cost prohibitiveHow to pay nothing for a lifetime of coverageHow to retire at age 65 a millionaire without the lotteryWhen it is too late for anything You want a crystal ball?  Hit the joke shop.  Want to make it so you don’t need one?  Listen to the show.  Get some insights on when the best time to take care of business is for you.  Spoiler alert…it has nothing to do with timing the market! Enjoy! Best, Greg

The Last Chance to Win and Make Me PAY! Most people want to win things.  Heck, with the lottery making up more than 50% of all people’s retirement plans, winning SHOULD be on everyone’s top 12 list!  I am one of the few geniuses that figured out how to end up paying when it is expected 50% of people will win.  Quite the Mensa feat. Tomorrow’s show will not only recap the entire 12 predictions I made in my 2017 Predictions contest but also, let you know where it stands after a few early prediction results have already come in.  Talk about tipping the tables!  Plus, everyone that listens and makes an entry into the contest will receive a booklet from me speaking to the virtues of Fixed Indexed Annuities.  And just when you thought it couldn’t get any better, I will throw in a booklet on Indexed Life Insurance just as icing on the cake. Give me a break folks; it’s how I make a living! The contest entries close on January 31st so be sure to get your entry in.  Plus, this will be my first show under a Presidency.  Will I wax on politically…hum.  Listening will tell the tale! Click, Last Chance to Win and Make Me PAY!

You don’t need to be squirrelled away on some uncharted desert isle like Lovey and Thurston Howell, III to have concerns about what your heirs are going to do after you are gone.  You need only mosey on down to your local Probate Court and have a glance at the docket to see how much time (and money) is devoted to disputes arising from family issues. As I have often said, “Money makes people funny.”  But all is not about greed.  Often times, simple misunderstandings can lead to the enrichment of the local members of the Bar Association (not the tavern variety). Many issues arise from: A miscommunication of your intentions (i.e. “Mom said I could have the picture of Dad from the mantle.”)Failure to update your will or trustFailure to have a will or trustForgetting about old insurance policies/annuitiesNot updating beneficiariesIgnorance of the complexities of special needs family members I will attempt to make sense of all this in my next show and provide a safe place where you can learn how to arrange your financial/insurance documents to align with what your family needs. Avoid being lost at sea and no, I am not an attorney or some decorated shipping captain.  I’m just an insurance man sharing what he knows to keep you and your family afloat. Listen close and save me from this sea of analogies! Best, Greg p.s.      Don’t forget, time is running out on submissions for my 2017 predictions contest.  Get your vote in before the January 31’st deadline!

As Malcolm Forbes once said, “Retirement kills more people than hard work ever did.”  Hard to argue that one.  Although, at the risk of sounding like I am cheating the grim reaper, it seems as though more folks than ever are watching their opportunity to retire slip away.  It’s true. Folks have succumbed in ever increasing numbers to the notion that having an abundance of things is far more important than saving for the future.  Not to mention what those things cost nowadays.  Hence, retirement is becoming less of a realistic goal for more and more Americans every year. It’s time to take a stand and tempt fate by setting yourself up for a good, long retirement. No more: Market drops wiping out a lifetime of savingWatching 401k’s erode before you very eyesOutliving the money you worked so hard to saveLack of information leading to bad decisions Listen and I will lay out a plan for everyone to beat the odds and actually get set up for long term prosperity. Let's do retirement right! Happy New Year! Greg

The Welcome to 2017 Show…Predictions Abound! Well, we did the year in review.  I hope you have been able to recover from those 30 minutes of life changing, groundbreaking, broadcast gold. There are some that are saying there are many still unable to rejoin society due to the stunning nature of the material we covered while others attribute it to a boredom induced coma.  Haters. If you do want to subject yourself to the risks of a trance like state again, you need to tune in to my next show.  It comes right on the heels of my written missive covering the same subject but, I will put my vocal spin to it all. PoliticsCrimeScandalMoney Sounds like a movie of the week except, it is what we not only just lived through, we will have to navigate in 2017. Best to get a head start on the world. I will even extend the predictions challenge contest to all listeners!  I promise to keep the ranting to a minimum. Happy New Year! Greg