Thank for tips on different investment servies.
You obviously didn't look into what this is at all because, yes it is utilizing cash value, but what you just described as money after age 65, retirement fund, is a 401k is, which is one of the worst places to put your money. This is dividend paying Whole Life Insurance. Something everyone should start as soon they're born. There's too much info to explain here, which is why I posted the links for additional information.

If you're not interested, oh well.

Not sure if I understand your English too well, but if you're saying the 401k plan is a bad program, then I disagree with you. Of course, it is what it is -- a program. Many different investments can be held in 401k plans. Some company 401k plans load you with company shares. Others give you the liberty of choosing your investments. If your company is paying you entirely in stock, then that's by far the worst possible investment option. Such 401k plans are to be avoided at all costs. But for the plans where you can freely choose what goes in and out of your plan, then the tax benefits make it a worthwhile program.

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this thread is amazing

Stop lying to sell your product please. Get off these forums.

Lets get a deffinition down:
Source: http://www.investopedia.com/terms/c/cas ... urance.asp

Cash value life insurance is one of the worst financial products available.


If a 30-year-old man has $100 per month to spend on life insurance and shops the top five cash value companies, he will find he can purchase an average of $125,000 in insurance for his family. The pitch is to get a policy that will build up savings for retirement, which is what a cash value policy does. However, if this same guy purchases 20-year-level term insurance with coverage of $125,000, the cost will be only $7 per month, not $100.

WOW! If he goes with the cash value option, the other $93 per month should be in savings, right? Well, not really; you see, there are expenses.

All of the $93 per month disappears in commissions and expenses for the first three years. After that, the return will average 2.6% per year for whole life, 4.2% for universal life, and 7.4% for the new-and-improved variable life policy that includes mutual funds, according to Consumer Federation of America, Kiplinger's Personal Finance and Fortune magazines. The same mutual funds outside of the policy average 12%

Worse yet, with whole life and universal life, the savings you finally build up after being ripped off for years don't go to your family upon your death. The only benefit paid to your family is the face value of the policy, the $125,000 in our example.

The truth is that you would be better off to get the $7 term policy and and put the extra $93 in a cookie jar! At least after three years you would have $3,000, and when you died your family would get your $93 savings.


Bottom line Cash Value Life insurance is an investment vehicle that is right for some, but not many people. You need to consider your entire financial situation prior to picking an investment. For the average person, Stocks are the way to go right now. Don't feel like dealing with stocks? Go for a mutual fund or low expense ETF.

RUN LIKE MAD FROM SOMEONE WHO TRIES TO SELL YOU A GET RICH INVESTMENT SCHEME.

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I'm about 98% in agreement with you. 401ks are very good but need to be understood. You of course want to maximize your company's contributions (who doesnt like free money?). Right now I'm putting NOTHING additional into my 401k because I'm over the $10k principal. I want to own my property ASAP, and the max withdrawl from 401k for first time home buyer is $10k. It is better for me to buy property sooner than it would be to have another $15k or whatever in my 401k.

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Just a quick update here...

the market has been crazy bullish as of late. That is not sustainable. I have done a fair bit of selling, I'm up to about 50% cash. Get ready guys, in a few months we may see a nice big correction (prices will drop). Will be a very good time to buy!

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I agree, the stock keep going up and up (especially the US stock) while the economic news is bad. A crash will come. I hope it's not to bad so we end up in an even deeper economical crisis.

This is a great thread, any updates on the current situation

Hi Atlas,

I agree with you that success with women like success in business all comes down to both having the right product and also believing in it. And, by the way, you've actually reminded me of me talking about almost the same thing in relation to the sales guys who may be very good at selling and believing in their hot products at their work but who may not be so successful at selling their 'sexuality product' when it comes to picking up women.

I guess that so many guys don't believe in their 'sexuality products' that they are supposed to share with women that really turn them on is because they are first of all not totally comfortable with sharing their real sexual desires with women. Otherwise if they were comfortable with their own sexuality, then they would believe in it and be able to passionately 'sell it' to women.

So, one of the first steps is to become totally comfortable with sharing your true sexual desires with women that you're really attracted to. The best way to adopt this comfort is through first of all bearing in mind that most women and especially hot women love to meet sexually confident guys. Period.

And, once you become comfortable with sharing your true sexual feelings with women, nobody and nothing will stop you from going out there and being honest and direct with women about how you really feel about them and also what you really want from them.

As for my product, you're welcome to check it out by reading my true story (my free report) at the end of each of my forum posts. Having said that I feel that we are here on the same page when it comes to striving to create that dream lifestyle as the result of the right balance between picking up women in our spare private time and earning money during ouir business hours.

Bruno

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Updates:

So I'm back down to about 30% cash. I had a couple good ideas recently (Now long: MKL, C, KERX).

As I always say, trying to time the market is a recipe for disaster. Good companies trump timing any day.

That said, Wednesday is the next fed release. We will get a lot more clarity on the future of the government debt buying program the Fed has been running. This will add stability and take some factors off the table.

I recommend HOLDING. No buying/selling unless you need the money. Remember to always have enough liquid to get yourself by.


Buy low, sell high my friends!

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Meant to post about this sooner. After the drop, I bought like mad on Friday. The stock pullback we just saw was a stupid reaction of the general public (and some investing firms) who didn't actually read the entire Q&A from the fed. I did, and I'm down to JUST my 6 months living expenses in liquid. Other than that, I am all in on stocks!

Here's the important part from the Q&A

"To support continued progress toward maximum employment and price stability, the [Federal Open Market Committee] expects that a highly accommodative stance of monetary policy will remain appropriate for a considerable time after the asset purchase program ends and the economic recovery strengthens. In particular, the Committee decided to keep the target range for the federal funds rate at 0 to 1/4 percent and currently anticipates that this exceptionally low range for the federal funds rate will be appropriate at least as long as the unemployment rate remains above 6-1/2 percent."

Economy remains fundamentally strong. I buy.


(remember, this is my opinion, not advice)

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You don't seem like a day trader, more of a swing trader it seems? So i'm guessing you don't use any software?

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I do know 1 thing though, bitches they come they go

Not so much a swing trader as I don't do THAT much selling. I don't like trying to catch a falling knife and I don't like selling just because of good performance. Price is not the only thing that should drive your decisions...Chipotle has seen some VERY nice gains recently. I'm still thinking of buying it even though it is expensive. The long term story is still very compelling to me...

I'd classify it as Active Value Investing.

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nice article mate loads of detail probably going to have to read it through a few more times as I have to wrap my head around it as its v complex.

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Ask any questions you got. I'm selling nothing here, you'll get an honest opinion

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