How To Keep Retirement or Insurance Premiums 100% Liquid

For help in California, Ohio, and Florida only; contact :
Randy Taylor
Serving clients and brokers since 1983
randytaylorfinancial.1@gmail.com
www.facebook.com/RandyTaylorFinancial

 Problem #1:  What if you have limited funds set aside for emergencies; but need to purchase
Life insurance, Long term care insurance, or a Tax deferred annuity savings account?

Problem #2 :  You also want your deposit to be safe , with any growth on the funds to tax deferred while alive, free from income taxes at death, and free from probate expenses.

The Solutions : Some insurance companies offer the following savings  and/or insurance accounts
that allow a lifetime refund option available at any time or, during a set period...:

Single Premium Life insurance: A few highly rated companies offer life insurance that has a contractual
benefit that says you can ask for and receive your deposit back at any time in the future ! It's basically a lifetime refund for any reason at any time. A few others give you the right to ask for a refund any time in the first 10 years.  This mean you can be insured  and then have an emergency, need the cash and borrow part as a loan; or just cash in the entire plan.

Long Term Care Insurance Combined with Life Insurance: This plan is wonderful in that a client can be insured for both long term care needs and life insurance at the same time. If he dies the entire death benefit goes to his beneficiary, income tax free, and probate expense free..If he lives and needs short term cash; he can take a loan and pay it back or not. If he is confined to a nursing home a 50 yr old for example; in good health with $50,000 might have enough to cover 2-3 years stay at a nursing home and maybe 3 times the deposit in paid up life insurance, $150,000 estimate only, if he keeps the plan.

Tax deferred  Fixed Annuities:  These are harder to find but typically look like a bank c.d. deposit that has key advantages over a bank c.d. The annuities in this category on the downside are typically offered only in plans with  a  5 year rate guarantee term that can be cancelled or renewed at the end of the 5 year term.
The upside: The rates locked in for 5 years are higher than an equivalent bank c.d. and unlike a  c.d., the
interest does not have to be claimed as income annually. At death the money goes to the named heir without
the expense of a trust,will, or probate.. At the time of this blog there may or may not be any of these plans
that offer the full refund available. The fee for the refund guarantee is usually about 1/2 of 1%.

Note: These programs usually involve the use of a single purchase premium...The insurance company has
to return the premium but keeps the interest in exchange for any insurance benefit etc. that was available 
prior to the full contract surrender. There are ways to take portions of the deposit without penalty via loans.

 Information given is not meant to be tax or investment advice. Contact you attorney or financial consultant before making any purchases of financial or insurance products.


For help in California, Ohio, and Florida only; contact :
Randy Taylor
Serving clients and brokers since 1983
randytaylorfinancial.1@gmail.com
www.facebook.com/RandyTaylorFinancial

This article is protected by a Creative Commons Copyright and therefore may be shared and distributed; but
only if it is not altered in any way from it's original form.

How to lower your legal costs with Legal Shield Services

HOW TO KEEP LEGAL COSTS AFFORDABLE


Randy Taylor Financial Services
Licensed insurance agent, 30 years, California # 0643596
1(926) 601-5270


First The problems:

Problem #1: In today's economy in particular; a single lawsuit could destroy or at least cripple your retirement account's ability to carry you through retirement. For example if you saved for 30 working years and accumulate an extra $100,000; it could be wiped out with one lawsuit.   Bankruptcy is not a solution either since it would then leave you vulnerable to a second law suit.

Problem #2:  Attorney costs have escalated to the point of being just too expensive for most families.
One source, Lawyers.com suggest that fees in average cities are from $200 to $400. per hour.

Problem #3: You might have simple documents to have reviewed like a home purchase contract.

Then The Solution:

Pay for a monthly membership that provides you access to an attorney for one low cost per month
(Around $17.00 per month typically)

Services included:

Your access to an attorney that specializes in your field of inquiry; by phone at no additional
cost; or in person at a greatly reduced cost. ( For some circumtances, free representation in court.)

Toll Free Access for consultations and advice from an attorney specializing in your problem area.
(Unlimited # of topics)

Letters or phone calls on your behalf

Contract review

Will preparation at no additonal cost

Moving traffic violations

Trial defense: Up to 75 hrs. of attorney assitance for covered criminal or job related civil suits

Audit assistance.

For more information you would want to consult the specific membership agreement and you can
call me directly for assistance or more information.  This service is grossly underpriced and can be
cancelled at any time.

Randy Taylor Financial Services
Licensed insurance agent, 30 years, California # 0643596
1(926) 601-5270
Copyright. Ok to share if published in it's entirety only and not modified.
Creative commons:  <a rel="license" href="http://creativecommons.org/licenses/by-nc-

IS A ROTH IRA WORTH GIVING UP THE TAX DEDUCTION?

Author: Randy Taylor
Randy Taylor Financial Services
Creative Commons Copyright 2012
http://finsecurity.com/RTaylor


Which IRA do I choose? A Roth I.R.A. or a Tax Deductible Traditional I.R.A. ?

There is no hard and fast rule on this since we cannot predict what federal and state income rates
will be in the future. The Traditional I.R.A. gives you the benefit of a tax deduction now; while still
allowing you to defer claiming any income  on the earnings within your account. Theoretically,
this also allows you to take the money that would have been used to pay current income taxes; and
invest that was well.

With the above benefits of a Traditional I.R.A.,  why consider a Roth I.R.A. at all?

The Roth I.R.A. gives you a key benefit in that when you do take income distributions in the future; they
will free from income taxes.  The longer you live and take income; the better the Roth I.R.A. starts to sound.
If you feel that your future income tax bracket will be higher than it is now; than the Roth becomes more attractive.
In addition,  If you want to pass  this account onto your heirs or defer taking income until after age 70.5; you are not subject to the penalty that the traditional I.R.A. creates if the income is taken after age 70.5

For a complete chart comparing alternatives for I.R.A. accounts, refer to the chart link below. However,please see your tax advisor first; and also your attorney and/or financial counselor.
refer to the simple yet comprehensive chart below, which is included in my website documents:

Roth Versus Traditional I.R.A. 2012 reference chart below:

http://finsecurity.com/finsecurity/pdfs/RTaylor/2f4-14.pdf

Randy Taylor Financial Services has helped consumers for over 29 years; and other financial professionals for 10 of those years. We do not give tax or financial advice. Please see your tax advisor, attorney, or financial consultant. Randy Taylor can be reached at the phone numbers below:

Follow my blog :www.lifeandannuitysite.com
Website:    http://finsecurity.com/RTaylor
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Life insurance and I.R.A. Account Specialist
Serving clients and brokers since 1983
(916) 601-5270

INSURANCE SOLUTIONS BY TELEPHONE


Randy Taylor
(915) 601-5270
License # 0643596 , Over 4,000 clients served since 1983

Why and How to Shop With an Insurance Broker for Life Insurance 

Problem:  There are over 1800 insurance companies and as many as 8,000 possible products to 

               Choose From; just with Life insurance alone.  Annuity Savings accts also number in the Thousands.

Solution:  Call an experienced insurance broker or  financial planner that has specific experience in researching 

               all companies available and matching the products up with your health history and goals.

               A specialist with experience can use sophisticated software filters and search engines resulting in a

               a long term solution that cannot be matched by a "sales agent" that only represents 1 company.

z

               You should give the following information to your broker:

               > Any daily routine prescriptions that you take and how long you have taken them without a change.

               > Disclose if anyone in your immediate family only; has died before age 60 due to cancer or heart

                  disease.

               > Any tobacco use in the last 5 years.

               > Any hazardous sports such as racing, scuba diving, or aviation that you engage in.

               > Any foreign travel with specific plans outside of the U.S. or Canada in the next 2 years.

               > Height vs. weight in light clothing.

               > Any DUI'S in the last 5 years and the # of moiving violations while driving in the last 3 years.

               > Any hospitalizations in the last 10 years and any planned surgeries that have not been completed.

   With the information above an experienced broker can save you up to 50% on your yearly premium by

   by matching your health history up with the best insurance carrier for you. An example would be a healthy

  cigar smoker that smokes less than 48 cigars per year might qualify for the lowest non tobacco rate and save

  as  much as 100% versus a company that would rate him as a smoker..(90% of the companies would !)

How to choose a broker

1.) Ask them if they can send you a spreadsheet on the financial strength ratings of the carriers know as a "Vital Signs Report".

2.) Check their license # on their state insurance website and see if they have any complaints on file.

Google their company name for additional information.

3.) Ask for a rate comparison that includes at  least 10 companies ranked by premium that they recommend.

This can all be done by telephone. Of course you will eventually want a more detailed discussion of your specific

goals including a review of any older policies that may need to be replaced or retained.

This article is meant for discussion purposes only and should not be a substitute for an objective meeting with your financial planner, insurance broker, or tax advisor.

I am available from 8:00 a.m. to 5:00 p.m. Pacific Standard Time.  I currently am only giving estimates free of charge for residents of California, Ohio, and certain counties in Florida.

Randy Taylor, Author Creative Commons Copyright
Follow my blog :www.lifeandannuitysite.com
Website:    http://finsecurity.com/RTaylor
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Life insurance and I.R.A. Account Specialist

Legal Shield Agent.  Video: http://www.greatlegalbenefit.com/ 
                                  Pricing: https://www.legalshield.com/MS/Multisite?site=hub&assoc=taylorr 
Serving clients and brokers since 1983
(916) 601-5270

Motivational Monday# 2 "When Someone says I can't' I say Watch Me"

Author: Randy Taylor, 06/08/2012

(916) 601-5270

Defeat can really be a victory

We learn more from out mistakes than we do from our successes. When most people are down, have faced set backs, and have hit the proverbial "Rock Bottom"; it forces them to think and to rally their energy to come back rather than wallow in self pity.  Tony Robbins says that people are motivated by both pleasure and pain.

When pain becomes unbearable; It;s a normal defense mechanism to come back stronger to escape the pain.

Bruce Jenner place fourth in the Olympics and was so heartbroken after watching the other 3 medalist celebrate their victories that he was motivated to write down his goals on all 10 events for the Decathlon on a sheet of paper and carried it with him every day for 4 years until he came back so motivated and improved in all events he was  named the worlds greatest athlete; a decathon winner.

My First Major Setback  Improved Me in Every Way

From 90 pound weakling to to California State Teenage Weight Lifitng Champion

I was beaten up in front of the entire school by a kid 1  year older than me and almost a foot taller in 8th grade. I weighed about 105 pounds. I started weight training and force feeding myself 5-6 meals per day so that I could come back stronger and regain my confidence and have a "re-match".

I entered high school weighing 120 lbs the next year. 4 years later, I weighed 180 lbs. and won the California Olympic Style Weight Lifting Contest and the same year won a title: The Most Muscular Teenager in California.  I finally was ready to fight this  guy and win but by then; I had gained his respect and  more importantly; I had regained my own self respect.  The setback had strengthened me.

The More Serious the Mistake, The More You Learn:
Near death car accident #1 ,at age 21
I was young and foolish as they say and had gotten up at 5:00 a.m. to go fishing  before work one Saturday while in college. I worked a full day after that in the sun and drove home; tired. I never made it that day: I feel asleep at the wheel only to wake up 75 feet before hitting a guard rail at my last freeway exit.  The impact totaled a full sized truck and pulled the guard rail out of the ground. The only thing that saved my life was drivers training in high school which taught me to have my hands at 10 and 12 O'clock on the steering wheel.
The accident cost me a new truck, a fine to the city to replace the guard rail;  but I no longer
try to be macho and drive impaired; I instead pull over.. The accident probably  kept me from repeating a bad habit that would of killed me before anything that follows below would have happened.  Mistakes lead to learning.

Near Death Car accident #2: Experience at age 36, What doesn't kill you makes your stronger.

I was involved in a serious  car accident where both the driver, another passenger, and myself were injured.

I lost 35 pounds. I could not exercise for about 1 year and then could only swim.  I learned earlier that  I could gain weight and also that it would  take time and patience. 2 years later, I re-entered bodybuilding after not having competed for 18 years and was again stronger  and  better physically. My self esteemed had improved because I learned that the saying: "What Doesn't kill you, makes your stronger.

Failure increases you odds of Success on the next attempt

We all have probably lost a job or a sale through bad judgement or lack of skills. Even the trauma of a divorce can cause you to break a bad dating pattern, or force you to go into self improvement which greatly increases your odds of success on the next attempt.  "I will fail a thousand times to succeed only once." Og Mandino.

When Someone Says I Can't , I say: Watch Me

Now I have entered acting; the most competitive profession of all. My daughter told me It will interfere with your day job.( A kind way of saying; I don;t think you can do it)  If I fail in the process; I will still gain in the process. So far,  I will have been on television 10 times in 10 weeks by before the end of June. Something I thought to be impossible. Now,  I am hoping that my daughter will tell me: Dad, I hate to tell you this but:  "You Just Can't  Do it"  My response will be:   Watch Me!

For Financial Calculators, Inspirational Articles, and More Go to my Website

http:finsecurity.com/rtaylor

Linked in Recommendations:http://www.linkedin.com/in/randytaylorlifeandannuities
Life insurance and I.R.A. Account Specialist
Serving clients and brokers since 1983

Author: Randy Taylor 6/8/2012, Creative Commons Copyright (If  copied it must be in it's entirety, without alterations of any type.

How To End Procrastination

HOW TO END PROCRASTINATON

Author, Randy Taylor 1(916) 601-5270 Creative Commons License 

This blog post and article can be re-used and shared but only if copied in it;s entirety and not altered in any way.

IDEAS WITHOUT ACTIONS; ARE JUST THOUGHTS  (Randy Taylor)

My life was changed forever when I read a statement by Og Mandino in his book: "The Greatest Salesman in the World".  He said : "No map no matter how carefully planned ever took a traveler over a single step of land."

So it is with most of us. We may get bursts of creativity only to see success delayed by self sabotage or fear.

Anthony  Robbins coined the phrase: "Just Step Up." and the following formula from him; helped me overcome a 4 year mental block. Here it is in a nutshell my paraphrasing:

1.) State your goal

2.) Give it a deadline for completion

3.) List the steps necessary and give each of them a deadline.

4.) If you miss a deadline; adjust it but keep yourself accountable.

Then "Just Step Up" and take action.

Confucious said:   A Journey of a thousand miles begins with but a single step.!

Nike said: "Just Do It". Do you see a pattern here?  I learned about discipline while gaining 70 lbs. in 2.5 years while on my way to becoming a state champion in weight lifting. I did it with monthly goal setting and by taking the first step: 

Please read the attached article by the Master Motivator:  Jim Rohn by clicking on the blue link below:

I have attached an article from my Website Segment: Messages From The Masters. 

http://finsecurity.com/finsecurity/quotes/mm0148.html 

http://finsecurity.com/rtaylor

For access to more articles; or advice specifically regarding Fixed Annuity Savings Accounts or Life Insurance; contact me directly by phone below or on my Facebook Fan Page at: 

https://www.facebook.com/RandyTaylorFinancial

Follow my blog :www.lifeandannuitysite.com
Website:    http://finsecurity.com/RTaylor
Linked in Recommendations:http://www.linkedin.com/in/randytaylorlifeandannuities
Life insurance and I.R.A. Account Specialist
Serving clients and brokers since 1983
(916) 601-5270

Creative Commons Copyright License, Author Randy Taylor

GORILLA GLASS FOR YOUR PHONE OR LAPTOP.

GORILLA GLASS 2,TECHNOLOGY, BY CORNING::
IMPACT AND SCRATCH PROOFING FOR YOUR SMART PHONE OR LAPTOP


Why is Gorilla Glass the new state of the art surface for your smart phone and other tech devices?

The answer is simple: It's a new generation of thinner yet stronger, glass for your important tech devices like your smart phone, laptop, or t.v. set.  It not only resists impact better than normal glass panes of equal thickness; it is resistant to most solvents and liquid chemicals; which means you can clean it with a normal window cleaner or soap and water without scratching the surface.

Does it affect the performance of my touch screens etc.?

Corning states that it actually works better for sensitivity where needed.  It allows the glass coverings to be thinner with increased strength which means that you actually get better performance.

How is it possible to have a thinner glass that is stronger with more scratch resistance?


The glass is placed in a hot bath of molten salt at a temperature of approximately 400°C. Smaller sodium ions leave the glass, and larger potassium ions from the salt bath replace them. These larger ions take up more room and are pressed together when the glass cools, producing a layer of compressive stress on the surface of the glass. *

Does this increase  my cost when I request Gorilla Glass 2 with a new purchase?

The answer is no. It is already available on the newer generation of smart phones, laptops, and even television sets.  You should ask your sales persons if your next purchases come equipped with Gorilla Glass. See the partial list below of manufacturers that are offering the Gorilla Glass surface.


Which manufacturers have products out now that feature Gorilla Glass, or Gorilla Glass 2?
Currently ACER, HTC, SAMSUNG, LENOVO,  and more are using the first generation. Gorilla Glass 2 was just announced Fe. of 2012. "The company expects the first Gorilla Glass 2-equipped devices to be available in April or May. Corning Gorilla Glass is used by more than 30 major brands and has been featured in more than 600 product models, spanning over 600 million units worldwide. Read on for the company’s press release."*

For more useful Tuesday Consumer and/or techinical tips please follow me on Facebook at: https://www.facebook.com/RandyTaylorFinancial


Follow my blog :www.lifeandannuitysite.com
Website:    http://finsecurity.com/RTaylor
Linked in Recommendations:http://www.linkedin.com/in/randytaylorlifeandannuities
Life insurance and I.R.A. Account Specialist
Serving clients and brokers since 1983
(916) 601-5270