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Saturday, June 28, 2014

Men- Keep Your Wealth By Keeping Your Health: A conversation with Dr. John LaPuma, MD.

I sat down recently with one of the most interesting men in the health and wellness movement, Dr. John La Puma.  Dr. La Puma believes that medicine has largely ignored men when it comes to diet, nutrition, and fitness advice.

He is on a mission to change all that with his revolutionary ideas about food as the ultimate medicine.  Dr. La Puma is a trained chef famous for creating healthy, delicious versions of the foods you love.

Check out the interview here:

Sunday, June 8, 2014

Why Bank on Yourself (R) Anyway?

by Kristin Colca
Living Wealthy Financial Group
Authorized Bank On Yourself Advisor


As a Bank on Yourself authorized advisor, I often find myself playing apologist for the system.

Regaining the use, liquidity and control of one's finances is, for many people, a concept that is far removed from all that they have learned about money.  Switching over to BOY requires a drastic shift away from traditional money wisdom and the willingness to objectively consider the claims made by BOY advisors.

I've put together a few of the most common objections, along with my responses to those objections, to give a better base from which to explore Bank On Yourself.  

If you'd like to learn more or receive our free, no obligation, no annoying sales calls information packet, contact me directly.

Kristin Colca
(512) 308-6658

Bank on Yourself frequently asked questions

Question :"No pain, no gain.  Isn't the stock market is the best, most reliable place to park your money?"

Kristin's response: 

When you look at the total return of the S&P 500 (including reinvested dividends), the real (inflation-adjusted) purchasing power of your investments remains negative after thirteen years. (referring to the graph on page 23 of The Bank on Yourself Revolution.

Question: How can you say there is "no risk" for BOY policyholders?  Isn't it an investment?

Kristin's response:

A whole life insurance policy is not an investment. In fact is is illegal to refer to it as an investment in most states. Per the Texas Department of Insurance, "Life insurance isn't an investment. An investment is a financial risk- you might make money, but you might also lose some or all of your money. In contrast, life insurance pays a guaranteed death benefit."

Question: How does BOY save you money off your taxes?  Isn't it taxed just like an IRA?

Kristin's response:

You will owe taxes on every penny you take from traditional retirement accounts in retirement. If someone retires at an effective tax rate of 20% or 25%, the 5.38% return is reduced to 4.30% or 4.03% respectively. Add that to the 1% minimum account fee and the 5.38% return is likely to be close to a 3% annual return. 

Question: If this is so great, why don't I know more people who are using it?

Kristin's response:

Leveraging the power of permanent life insurance is a wealth preservation and growth technique that has been used by business owners and upper class individuals for years.  Many people have used this method, including Walt Disney, J.C. Penney, and Doris Christopher, who launched The Pampered Chef with a whole life insurance policy loan.

For more questions and answers about Bank On Yourself, check out my recent interview on Living Wealthy Radio. Go here to listen now:


Thursday, May 8, 2014

Pamela Yellen-Bank On Yourself Workshop-Austin

re: great event- thanks to you all

Thanks everyone who took time out from their busy lives to join us as the Austin Club on April 10th to hear the latest from bestselling author and Bank On Yourself (c) creator.

Here are a few photos from the event.

Pamela Yellen took time to chat with Living Wealthy
clients and sign copies of The Bank On Yourself
Recolution for attendees.

 Getting caught up in The Bank On Yourself Revolution,
Pamela's latest.

 The fabulous women of Living Wealthy Financial 
Group vamping at the Pamela Yellen event in Austin.

Teresa Kuhn practicing her standup routine
Hey!  What's a Bank On Yourself event without some
money-shaped thingabobbers to give away to attendees?

Saturday, May 3, 2014

Living Wealthy Radio: Adam Kokesh- Freedom and Civil Disobedience Activist

re: talking about freedom with Adam Kokesh

You won't believe what activist Adam Kokesh has to say about freedom, the Constitution, and a government gone wild.

Check out the interview recording here:


Thursday, April 24, 2014

Obamacare Update #Obamacare Interview With Rick Liuag (excerpt)

File under #obamacarenews, Obamacare, Covered California,
Medicare, Medicare Supplements, Life Insurance, Health Insurance

by Teresa Kuhn, JD, RFC, CSA

On April  20th, I brought back Obamacare and health insurance expert Rick Liuag for an update on what has happened since enrollment has closed.

Many, if not most of Rick's predictions about what would happen after the implementation have borne out, with many states reporting longer wait times and higher rates.

Now, Rick claims, seniors on Medicare will begin to feel the sting.  Get the full one hour interview by going to:


Wednesday, March 5, 2014

Is Your Brain Getting Fried By Grains?

re: Our special interview with Dr. David Perlmutter, author of the #1 NY Times bestseller, "Grain Brain."

FILE UNDER: Gluten-free-diet, brain health, improving brain function, Alzheimer's disease, preventing dementia, very low carbohydrate diets, paleo diets, Atkins diet, healthy fat in diet, eat more fat to lose weight

from Teresa Kuhn...

I had an unique opportunity to interview Dr. David Perlmutter, MD, a board-certfied neurologist and author of the bestselling, "Grain Brain."
Dr. Perlmutter is an advocate for achieving brain health by severely limiting carbohydrate intake, eliminating gluten, a protein found in wheat and barley, and eating more good fats like olive oil, coconut oil, nuts, and seeds.

Check out the interview now:

Friday, February 28, 2014

Pamela Yellen's New Book Is Here!

The Bank On Yourself strategy gives you a rare combination of guarantees, safety, liquidity, and control. Your money grows by a guaranteed and predictable amount every year, and that growth gets better every year you have it," Pamela Yellen- "The Bank on Yourself Revolution"

by Teresa Kuhn, JD, RFC, CSA
Authorized Bank On Yourself (r)  Advisor

Several years have passed since the publication of "Bank On Yourself," Pamela Yellen's first attempt at articulating for a wide audience the benefits of using specially-designed whole life insurance in financial planning. Since that time, the ever-fluid, ever- chimerical world of personal finance has grown even more unfathomable and unpredictable.

As a Bank On Yourself authorized advisor, I believe that a sequel to the original Bank On Yourself book was long overdue. This is why I was so pleased to learn of the publication of this second, more comprehensive discussion of a truly unique cash management system.

In the sequel, The Bank On Yourself Revolution, Yellen has gone to considerable effort to deconstruct the Bank On Yourself method in a way that makes it even more accessible and understandable to the average person. She lays out a concise, solid, yet still passionate case for using specially-designed, dividend-paying whole life insurance policies as vehicles for preserving and growing wealth. When put together correctly, she says, these policies build up cash value as quickly as possible and provide unparalleled safety and security.

Yellen explains that a person can make tax-free withdrawals and loans from the accumulated cash value in the policy to finance large purchases, such as college tuition, automobiles, and cash-producing real estate. You use your policy and are able to pay yourself back, with the loan secured by the death benefit. This idea, which has been around in various forms for well over 150 years, is referred to by some as "becoming your own finance company." Yellen does a good job of explaining the ideas behind Bank On Yourself without losing the reader in a fog of insurance-speak or marketing hype.

Implicit in her explanations is the understanding that anyone wanting to use the system laid out in BOYR should do their own due diligence. It is definitely not for everyone.

In The Bank On Yourself Revolution it is evident that Yellen has put a lot more thought and effort into the content and layout of the book, making navigation from topic to topic easier and keeping her commentary focused and free of anything that could be perceived as excessive verbiage. She does an admirable job of making the ideas presented clear and easy to understand, even for those who have little financial education.

The Bank On Yourself Revolution introduces us to some old school financial concepts that Yellen admits aren't "sexy," but which work, such as the "10-10-10" money management method and the common sense idea of not having much debt. She makes a strong case for designer whole life polices over both term insurance and the always trendy indexed universal life (IUL) policies

Nice additions to this volume are the "takeaways" at the end of chapters which give the reader nuggets of information designed to be easy to grasp, retain and implement. Yellen also includes stories of real-life users of the system ranging from housewives to entrepreneurs to former professional athletes. Such anecdotes obviously have value, especially to financial professionals who are introducing the concept to their clients for the first time.

People feel better knowing that "real people" just like themselves are finding success with Bank On Yourself.

The Bank On Yourself Revolution makes for an entertaining read and is a worthy contribution to a growing body of evidence supporting the wisdom of using permanent life insurance in financial planning. If you are someone who is looking for alternatives to banks, Wall Street, and finance companies, this book will help you understand one such alternative- Bank On Yourself.

For more in-depth discussion of the topics explored in The Bank on Yourself Revolution, please visit the Living Wealthy Financial site.
File under: Yellen, Pamela. "The Bank On Yourself Revolution" published February, 2014 by Benbella Books.

Learn more about financial topics that are important to you and your family. Visit http://www.livingwealthyradio.com or call us toll free to receive free information.
(800) 382-0830 (USA ONLY)
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