Reserve a Fortune While Financing Your Own Cars and Major Purchases
Never Pay Cash!?
Explains the differences in saving using a Shoebox, a Bank, and a Life Insurance Policy. Significantly increase your assets by paying yourself the financing fees while earning interest on the money you are leveraging.
In this rebuttal of one of Dave Ramsey’s blog posts, Todd Langford uses the Accumulation calculator, small Financial Calculators, and the Market History and Life Values tools to reveal just how disturbingly wrong Ramsey’s assertions are. Then he shows how a whole life policy would have outperformed Ramsey’s recommended strategy, had his math been correct.
How Your Company’s 401(k) Plan Could Be Bleeding Your Business Dry
Business Owners Be Warned
Sometimes business owners are told half-truths by accountants and don’t fully understand the costs and the real returns they might expect to experience when they implement a company 401(k). Set the record straight so that business owners can make informed decisions.
Demonstrates whole life insurance internal rates of return and how to adjust for taxation and fees when comparing to other assets. What kind of asset cash value is and why comparing it to high-risk financial vehicles is misleading.
Improve Returns and Increase Safety by Diversifying with Life Insurance
The “Buy Term and Invest the Difference” Myth
Using examples of a 35-year old invested in the stock market and a 55-year old invested in stocks and bonds (both with term life insurance), Todd Langford uses the Diversification calculator to demonstrate how the returns and the net to heirs can be improved by diversifying with whole life insurance.