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Posts Tagged ‘Investment’

Life insurance can be broken into two main categories: Term insurance and permanent life insurance policies. If you choose a term insurance policy, you will get a coverage for a temporary period of time, e.g. 10 or 20 years. Permanent policies on the other hand, can cover you for your lifetime. Permanent policies can be further sub-divided into three additional groups: Term 100, Universal Life and Whole Life. The latter two types have several variations and a qualified independent advisor can find the best solution that’s right for you.

The main difference between Whole and Universal Life policies is in the investment component – on a Whole Life policy, it is included in the premium, while on a Universal Life insurance it is separate. Another difference is that for Universal Life policies, the selection of investment options is wider. When you are deciding for the best life insurance, the key aspect is that it should fit your situation and needs. If your needs are met and the premium for a permanent life insurance is affordable for you, the next crucial aspect is whether it is a sound investment.

As this is a very commonly misunderstood topic, the attitudes to the matter may be very contradictory. Now we will present the most important pluses and minuses of using life insurance as an investment:

Advantages

* Both the benefits within the insurance and the MTAR limits are growing on a tax sheltered basis. For Whole Life policies, the premium is calculated so as no to exceed the MTAR limit. Universal Life products have a maximum premium set according to the MTAR limit.
* The investment part on an increasing death benefit Universal Life insurance and the dividends on a Whole Life policy are added to the face amount and are paid out on top of the policy face amount tax free.
* The investment component on a permanent insurance can be used for future premium payments, so that you can pay with pre-tax dollars rather than after-tax.
* The minimum investment rate guarantees are set to more than 4% in case of many Universal Life policies. This is a perfect feature for the risk adverse investor in today’s low interest rate world.

Minuses

* For many permanent policies, there are strict penalties, if you decide to cancel your insurance within the first few years.
* For people who don’t have a permanent life insurance need, permanent policies are not a good investment option, because they would have to pay a higher mortality charge for the life insurance.

Technorati Tags: Insurance, Investment

Before jumping head first into the gold bullion and coin market, you need to learn the rules and regulations of the trade in order to do things the right way. First and foremost you need to realize that, just as in any other type of business, there are always going to be scammers and con artists out there and so you need to watch your back and make sure that you are smart. Use common sense when you go to buy gold coin from any dealer, no matter how reputable they may be.

Before you buy anything, have a close look at all the different gold bullion products available for your budget, including coins and bars. Especially if you are new to the game, this is going to be a great chance for you to learn more about what is out there and what different dealers are most sought after for gold coin and bullion.

At a trading desk you can find information on any queries you may have about the gold bullion trade. Remember that no matter what gold dealer you are talking about, if they are not willing to help you out and offer you information and advice, then they are definitely not going to be worth doing business with.

Any decent, reputable gold trading company is going to be more than happy to help you out with whatever you may need and make sure that you are taken care of.

When you find gold that you want to buy, make sure you lock in your bid to avoid someone undercutting you on the price. There are auctions at some gold dealers and through others you just get a straight buy. Make sure that you are aware of all the details, and most importantly how you are going to pay and where your gold is going to end up. There are some dealers that you can even place your order right online when you buy gold bullion products, so it is easy to trade in gold.

Technorati Tags: gold, gold bullion, gold prices, Investment, trade

This course covers the following information:
Major threats to your wealth,
The Five Strategic et Protection Objectives,
Wealth Creation,
Ongoing Income Tax Minimization,
Tax-Efficient et Transfers,
Liability Protection,
Wealth Preservation and Transfer,
The First Building Block: Wills, revocable living trusts, powers of attorney,
The Second Building Block: Business entities, irrevocable trusts, and insurance,
The Third Building Block: Protected investments,
The Fourth Building Block: Advanced strategies,
The Rogue’s Gallery

Duration : 0:5:13

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Technorati Tags: asset protection, Business Owner, Corporate Veil, Financial Training, Free, Investment, Law, Legal, Seminar, Tax, Wealth Protection