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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)
Article Source: http://EzineArticles.com/?expert=Teresa_Kuhn

Article Source: http://EzineArticles.com/8352195

Thursday, February 20, 2014

9 Reasons You Shouldn't Use A Business Broker to Sell Your Business

re: short presentation from Delta Business Services

by Teresa Kuhn

I've mentioned before why business brokers might not be the best people to trust with the very important task of selling your business.

Here's a 10 minute presentation from Delta Business Services that gives you some of the most important reasons for not using a broker when you sell your business.


Monday, February 10, 2014

20 Reasons You Shouldn't Use A Business Broker...

re:check out this new article from our friends at Delta Business Services

20 Reasons You Should Never Use A Business Broker When You Sell Your Business

by Heath Frantzen
Delta Business Services

Nearly 80% of all business owners, even highly successful ones, admit that they don't have a plan for exiting their businesses.

Owners often fail to make succession plans because they have assumptions about the future which may or may not be true.

For example, a business owner may believe that his business will naturally pass to his spouse or other family member. What happens, though, if that designated family member is unwilling or unable to take the reins?

Another common assumption owners make that causes them to avoid succession planning is the idea that they will be able to run the business until they die. They don't put a plan in place because they don't like to think about the possibility of having to leave the business sooner than planned, perhaps due to ill health or family problems.

What happens in the absence of proper exit planning is that am owner can find him or herself in the unanticipated position of having to sell quickly, perhaps for less money than they need in retirement.
Frustrated, tired, stressed, and sometimes ill, business owners who need to sell make what they feel is a logical decision and turn the process over to their local business broker.

Read the entire article here:

Tuesday, February 4, 2014

If you own a business... you can't forget to do THIS

re: do you have a business exit plan in place?

posted by Teresa Kuhn
Living Wealthy Financial

An amazing number of successful business owners (nearly 80%!) lack even a basic plan for what will happen if they want or need to leave the business.

I encourage all my clients to have viable, updated business succession plans in place so that if a life circumstance forces them to leave their company, they won't have to make hasty decisions that might cost them money.

If you are a business owner or self-employed professional who does not have a business exit strategy, or if you work with business owners, then you'll want to attend our special free webinar on February 11th.

Heath Frantzen, founder of Delta Business Services, will host this information-packed event.  Heath is one of the top acquisition experts in the country and has a deep understanding of what it takes to sell a business.

This one hour webinar will focus on the basics of exiting a business the right way, so that the seller and buyer both achieve their goals and the sale is effected in a timely, stress-free manner.

Anyone who owns a business or works with business owners is welcome to attend.  There is no charge and participants will get a free copy of Heath's latest report.

Go here now and reserve your spot:


Thursday, January 9, 2014

Common mistakes most people make that can rob them of valuable retirement money…and how you can avoid them

If you aren’t careful, you could wind up needlessly giving away thousands in taxes and interest! 

By Teresa Kuhn JD, RFC,
CSA LivingWealthyfinancial.com

Physician, heal thyself… As an attorney and Registered Financial Consultant, I thought I knew a lot about how money works.

After all, I made my living showing people how to plan successful retirements and how to avoid paying unnecessary taxes.

I read the financial news journals religiously, spent time on websites so I could stay in the loop, and attended all kinds of continuing education workshops and seminars…

However, it wasn’t until I took a long hard look at my own financial plan that I begin to notice some holes in it; holes that had the potential to leak out thousands of dollars in interest and fees and potentially sink my financial future.

When I starting digging into how finance really works, I discovered some of the dirty little secrets that banks and financial services companies had hidden from me for years; secrets that were taking the hard-earned money out of my pocket and putting it to theirs… for no good reason.

The myths and misconceptions of traditional financial planning were taking their toll on my retirement account! Combine this lost money with the effects of the pummeling most of us were getting on Wall Street, and I was looking at a situation that threatened to derail my retirement plans as well as those of my clients. I felt compelled to take this new information about how money really works and discover a systematic approach to help my clients avoid potentially devastating mistakes in planning their practice exit strategies.

 Like you, many of my clients are physicians, facing the same financial challenges and experiencing the same uncertainty about their futures. Many of them have incurred debt from medical school and are working hard to grow and maintain a practice, investing thousands of dollars in doing what it takes to stay in business.

It’s true… many of my clients earn a lot more than the average American, but when I talk to them, they express frustration that they seem to have so little to show for all that hard work and outlay of capital. of them earn a substantial income finding that you have little to show for your hard work. Why? Because your money hasn't been working hard for you.

With so much economic uncertainty it's hard to know how to plan ahead or where to put your money for the greatest returns. We've all seen first hand that the old rules about accumulating a safety net of capital no longer apply. I offer an investment vehicle that even I used to think sounded too good to be true. But once I put it to the test for my own family, I realized that it was indeed a safe way to grow your money, keep virtually all of it for yourself, and protect it from market volatility.

In fact, I believe in the concept so completely I focus 100% of my energy on educating others about the benefits of this concept. It's still a relatively unknown concept for managing your money and it's called Bank On Yourself (BOY). Here are a few highlights to help you understand how it works. First, it's based on a uniquely structured Whole Life Insurance policy.

Now there's a term conjures up images of Ned Ryerson, the relentless insurance guy who kept hounding Bill Murray's character all through the movie, Groundhog Day. But don't worry—this is definitely not Ned Ryerson's brand of insurance. Unlike standard Whole Life Insurance, BOY is a program that most financial/insurance advisors don't even know about. It takes special advanced training in order to understand all the possible benefits and only qualified advisors can tailor the package to fit your individual needs.

When it's designed properly, it can give you guaranteed growth and a level of safety and flexibility that you simply can't match with other investments or savings plans. With a BOY policy, the value steadily increases by a contractually guaranteed amount each year and the principle is never affected by a gyrating stock market.

But there's more. Let's say you need expensive new equipment for your practice. When you borrow money from a lending institution, there's one detail that most of us prefer to ignore. It's the inconvenient truth about the amount of interest we end up paying the bank. But what if you could borrow the money from yourself (from your BOY-structured insurance policy) and then pay yourself back . . .with interest? Not only would you be building equity in your policy by paying yourself the interest normally paid to banks, you actually recoup the cost of the equipment.

You essentially finance purchases yourself while protecting your equity and you get a death benefit to boot. The policy can be structured so that the amount you borrow from yourself will have no effect on the dividends you receive, plus under current tax laws, your gains are tax-free.

In other words, your money continues to work for you even when you have borrowed the money out of the policy! Naturally this method of investing requires some patience as it takes time to accumulate enough equity to cover the costs of your purchases.

But think of it as a start-up business—you put time and money into any new endeavor before you begin to reap the benefits. The Bank on Yourself concept can also be used to fund your retirement, college for the kids, or any number of other applications.

There are many benefits that I haven't begun to cover here, but as a qualified BOY advisor, I'm ready to give you a free analysis and show you how this unique product can help you meet your specific goals.

File under: bank-yourself, become-your-own-source-financing, avoid-paying-unecessary-taxes, BOY, infinite-banking, finance-your-large-purchases, best-cash-flow-management, how-grow-your-business, business-financing, best-insurance-advisor-austin, best-financial-planner-austin, financial-advisor-texas