Money Talks

Money Talks

Recent unemployment numbers have undermined confidence that we might be nearing the bottom of the recession. The appropriate metaphor is not the green shoots of new growth. It's better to view the total of jobless people as a prudent navigator perceives an iceberg.

What we see on the surface is disconcerting enough. The Bureau of Labor Statistics estimate of 467,000 jobs lost in June increases to 7.2 million the number of unemployed since the start of the recession.

The cumulative job losses over the past six months have been greater than for any other half-year period since World War II, including demobilization. What's more, the job losses are now equal to the net job gains over the previous nine years, making this the only recession since the Great Depression to wipe out all employment growth from the previous business cycle.

That's bad enough. But here are nine reasons we are in even more trouble than the 9.5% unemployment rate indicates:

1. June's total included 185,000 people assumed to be at work but many of whom probably were not. The government could not identify them; it made an assumption about trends.

But many of these mythical jobs are in industries such as finance that have absolutely no job creation. As official numbers are adjusted over the next several months, some of the 185,000 will likely be added to the unemployment totals.

2. More companies are asking employees to take unpaid leave. These people don't count on the unemployment rolls.

3. At least 1.4 million people weren't counted among the unemployed, even though they wanted work or were available in the past 12 months. Why? Because they hadn't searched for work in the four weeks preceding the survey. The assumption is that they had found work or don't want it, but there are other explanations: school attendance, family responsibilities, sheer exhaustion.

4. The number of workers taking part-time jobs because of the slack economy, a kind of stealth underemployment, has doubled in this recession to about 9 million, or 5.8% of the work force. Add those whose hours have been cut and the total of unemployed and underemployed rises to 16.5%, putting the number of involuntarily idle workers in the range of an overwhelming 25 million.

5. The inside numbers are just as bad. The average workweek for production and non supervisory private-sector employees, around 80% of the work force, dropped to 33 hours. That's 48 minutes a week less than before the recession began, the lowest level of activity since the government began tracking such data 45 years ago.

Full-time workers are being downgraded to part-time as businesses slash labor costs to remain above water. Factories operate at only 65% of capacity. If American workers were still putting in those extra 48 minutes a week, 3.3 million fewer employees could perform the same aggregate amount of work. With a longer workweek, the unemployment rate would reach 11.7%, not the official 9.5% (which in turn dramatically exceeds the 8% rate projected by the Obama administration).

6. The average length of official unemployment increased to 24.5 weeks. This is the longest term since the government started to track these data in 1948. The number of long-term unemployed (those out of a job for 27 weeks or more) has now jumped to 4.4 million, an all-time high.

7. The average worker saw no wage gains in June, with average compensation running flat at an average of $18.53 an hour.

8. The jobs report is even uglier when you consider that the sector producing goods is losing the most jobs -- 223,000 in the last report alone.

9. The prospects for job creation are equally distressing. The likelihood is that when economic activity picks up, employers will first choose to increase hours for existing workers and bring part-time workers to full-time status.

Money Talks the Solution

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Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio

Money Talks Reference

Money Talks

NEW YORK (Fortune) -- Few individuals derive quite so much pleasure from digging through data as Charles Biderman. He's the always-opinionated, hyper-watchful numbers hound behind TrimTabs Investment Research, the firm that FORTUNE partnered with to build our Recovery Index.

And though he's a Harvard Business School grad, Biderman's insights about how the market moves are more than purely academic. In order to pay back his school loans, he spent the 1970s and 1980s building a career in real estate development until, in 1988, his bank went broke and his loans were called.

Biderman was forced into personal bankruptcy and emerged with key insight: price is a function of liquidity, it has nothing to do with value.

That notion led him to form TrimTabs, which sells proprietary research about the markets, money flows and the economy to investors (currently one-fourth of the biggest hedge funds in the United States are clients, and Goldman Sachs purchased a minority stake in the company last year).

Candid and colorful in conversation, Biderman's exhaustive research has produced some alarmingly simple findings.

For instance: "When companies are net buyers of stock, the market goes up, when they're net sellers the market goes down," he says. Indeed, one of his favorite metrics to watch is the number of stock buybacks by corporations, which he says start climbing at the trough of every downturn (something, as we note in our Recovery Index, that hasn't happened yet.)

Biderman talked to FORTUNE's Lee Clifford about what the Recovery Index is showing now, the one move Obama needs to make, and when he thinks the stock market will finally hit bottom.

Fortune: Give us your take on the health of the overall economy right now.

Biderman: Things are getting worse. The job market continues to contract. Incomes keep declining, even after adjusting for the latest round of tax credits. We don't see any slowdown in the rate of declines in incomes or job losses. There's no end in sight.

I've been looking at the numbers, comparing the three-week Easter season this year versus last year. Incomes are down 10%. We haven't seen anything like that for decades.

Fortune: How do you view the policy responses from Washington so far?

Biderman: The only thing that's helping anybody right now is the $400 per person [$800 per couple] tax cut. That's helping somewhat. But I'm a little cynical. My feeling is that the divine purpose of the political system is to raise money for politicians so they can get reelected.

The banks that are in trouble have paid Congress a lot of money over the years. You and I don't pay anything to the congressman. What we would recommend is that instead of focusing on getting the banks to lend, you've got to focus on giving wage earners more money.

Fortune: You don't believe any of the recent stock market rallies have been for real. Explain.

Biderman: Well, what you've had recently is $2 billion a week in tax refunds that started to go out during the first in week February and will continue through the third week in May. I suspect that's part of the reason for the stock market rally, but that's only temporary.

In March there was a little revival in refinancing, but again, I think the number of people who are in a position to take advantage of refinancings right now is pretty small. The glimmers of hope were temporary and now we see that things are declining again.

Fortune: Talk about what you're seeing in terms of the housing market.

Biderman: If we look at homes, while the number of foreclosures seems to be dropping somewhat, the notices of default are at record levels and so we expect the foreclosures to spike up again too. If you look at what's really going on, right after the 'peak' in foreclosures in September, there was a moratorium on foreclosures, but that ended in March. Once those pick up again, it's going to be a new down leg in the real estate market.

Fortune: If there's one policy you could implement now to help fix the economy, what would it be?

Biderman: If we cut withholding rates by 15%, and we did it for three years, it would be $300 billion a year in lower taxes, which is less than it costs to bail out some of these institutions. But we're not doing that, so instead you're creating a situation where more and more consumers are going to be defaulting on their debts. Forget new lending, the real problem for banks is going to be collecting on all these loans, and the problems are going to be way beyond sub prime.

Fortune: In your view, what would be the single best sign that we've hit bottom?

Biderman: That foreclosures dry up. That'll be a sign that household wealth has stabilized. Things aren't going to hit bottom until the real estate market bottoms, and we work through all the problem homes, and people can afford the homes they're in. Then we can grow from there.

Fortune: And when do you think that might be?

Biderman: At least another year. We probably won't see a bottom till sometime in 2010. We're still in retreat.

Fortune: You've long taken issue with the way the government collects some economic data. What bothers you most?

Biderman: Just look at how they track income and jobs. When everybody gets paid, the amount of money withheld goes to the government. From that you could tell who had jobs and how much they're making. But instead of tracking this in aggregate and reporting it in real time, the Bureau of Economic Analysis uses historic data that's 5 to 7 months old and based on state unemployment data to come up with estimate of current income and job gains or losses. Then of course they always go back and revise the number. But they never have a press release about the revisions. What's equally annoying is that nobody's taking the time to say, 'this is crazy!'

The economy is crazy indeed, as seen from the article listed above on CNN Money.  It goes without saying that people are dazed and confused in the current trends of the economy.  It is clear that conditions are worsening, even though the major news sources are telling the opposite.

What can you do as an average American citizen to learn the real truth about money, investing, financial institutions, and is there a way to recover lost wealth, and income in this time of economic uncertainty?

Money Talks Offers Education and Solutions

Money Talks, the program set into motion by Dr. Raymond Jewell, is answering the tough questions concerning the economy.  He is in touch with the current economic trends and knows that average people are hurting today.  His goal is to bring Money Talks to one milllion people over the next three year period.

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Money Talks

Money Talks-The Economy

You often hear that we are now living through the worst recession since the early 1980s, and the comparison is not wrong. But it's ultimately unsatisfying, because it is a little too vague to be useful.

Is the economy only a little worse than it was in the last couple recessions, as some have said, and still a long way from the dark days of 1982? Or are we instead on our way toward something that may even approach the severity of the Great Depression?

Without more specifics, it is hard to judge the staggering stimulus numbers being thrown around Washington. It is hard to know how tough a task the Obama administration is facing — and whether it's running the risk of being too timid or too aggressive.

I thought it would make sense to get some clearer historical perspective, and the economists at the Bureau of Labor Statistics were nice enough to help me do so. In the last week, they helped me put together a broad measure of the job market — one including both official unemployment and more subtle kinds — stretching back to 1970. Since the job market covers the entire economy and affects families in tangible ways, it seems to be the single best yardstick.

And it shows, for starters, that the economy is not yet as bad as it was in the early 1980s. It's not even that close to being as bad. The ranks of unemployed and underemployed, controlling for the size of the population, were much larger in 1982 than today.

But economies are a little like battleships. They turn slowly, and you can often tell where they are going before they get there. At The New York Times, we're discouraged from using the word "unprecedented." ("Use the term rarely and only after verifying the history," the stylebook says.)

So suffice it to say that the serious recent declines in retail sales, business spending and employment make it highly unusual that the economy will improve anytime soon. The job market will almost certainly continue to worsen for most of 2009. Even if the much-needed stimulus bill passes, the economy is likely to end the year in roughly as bad a shape as its 1982 nadir. Which is saying something.

The recession of the early 1980s doesn't have a catchy name, and almost half of Americans are too young to have any real memory of it. But it was terrible — qualitatively different from the mild recessions of 1990-91 and 2001.

The first big blow to the economy was the 1979 revolution in Iran, which sent oil prices skyrocketing. The bigger blow was a series of sharp interest-rate increases by the Federal Reserve, meant to snap inflation. Home sales plummeted. At their worst, they were 30 percent lower than they are even now (again, adjusted for population size). The industrial Midwest was hardest hit, and the term "Rust Belt" became ubiquitous. Many families fled south and west, helping to create the modern Sun Belt.

Nationwide, the unemployment rate rose above 10 percent in 1982, compared with 7.2 percent last month. But that rate has a couple of basic flaws, as I've discussed in previous columns. It counts people who have been forced to work part time, even though they want to work full time, as fully employed. It also considers people who have given up looking for work — so-called discouraged workers — to be no different from retirees or stay-at-home parents. They simply aren't counted.

Years ago, the Labor Department responded to criticism about these issues by creating several broader measures of joblessness. Unfortunately, they don't exist prior to 1994. But the department was doing similar work in earlier years, which allows the economists who work there to make estimates about how to compare the various survey categories over time. I took these estimates — and they are estimates, not official statistics — and created a measure of unemployment that goes back to 1970.

Including discouraged workers, the measure shows that the unemployment rate was 7.6 percent last month. Another 5.2 percent of the labor force was involuntarily working part time. These two groups bring the combined rate to 12.8 percent.

Even this is an understatement, because the Labor Department's definition of discouraged workers is a little narrow. To be counted, somebody must have looked for a job in the last year. And there appear to be several hundred thousand people — mostly men — who stopped looking for work more than a year ago but would gladly take a good-paying job if one came along. They would lift the rate above 13 percent.

As bad as the number is, it is still not that close to its 1982 peak of 16.3 percent (or anywhere near its Depression levels, which were probably above 30 percent). The early '80s really were that bad.

So why are public opinion polls showing Americans to be even gloomier about the economy today than they were back then? I think there are two main reasons.

First, the economic expansion that just ended wasn't as good as the 1970s expansions. The '70s get a bad rap, and deservedly so in many ways. But median family income still rose 2 percent during the decade, after adjusting for inflation. Over the past decade, it has fallen.

Second, people seem to understand that the worst is yet to come — that the economy has not yet worked off its excesses.

A good reminder came in a recent report on the Manhattan real estate market by Goldman Sachs. It looked at apartment prices relative to rents, incomes and mortgage rates and concluded that prices were 19 to 44 percent higher than historical norms. Jan Hatzius, Goldman's chief economist, was careful to say that prices won't necessarily drop by that much. But we should know by now that old-fashioned economic fundamentals deserve some respect.

In much of the rest of the country, home prices also still have some amount to fall. Banks still have more losses to acknowledge. Companies have more jobs to cut. Some time this year, one in six workers may find themselves unemployed or underemployed, just as was the case in 1982.

The biggest risk is that these problems will feed on themselves and make the situation even worse than now seems likely. That has been the pattern for the past year and a half. If it continues — and it will without a big stimulus package — the economy really could end up in worse shape than it's been in more than 60 years.

Money Talks-The Solution

According to the article posted above from The NY Times, the economy appears to be struggling, to say the least.  What does this mean for the average person on the street?  Is it a pre cursor to more doom and gloom?  Is there really no hope for the future?  Does it mean that you just bury your head in the sand, and give up?

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Money Talks and the Economy

Money Talks and the Economy

The forgettable first half of 2008 is stumbling to a close. On Friday, the Labor Department reported that American employers axed 49,000 jobs in May, the fifth straight month of job losses—an event that signals a recession sure as the glittery ball dropping on Times Square augurs a New Year. The report, which inspired a 394-point decline in the Dow Jones Industrial Average Friday, was the latest in a run of bad news. Auto sales, the largest retailing sector in the U.S., were off 10.7 percent in May from the year before. And housing? Ugh. Nationwide, according to the Case-Shiller Index, home prices in the first quarter fell 14 percent.

Yet hope springs eternal that the second half will be better than the first. Economists polled by the Federal Reserve Bank of Philadelphia in May believe the economy will grow at an annual rate of 1.7 percent and 1.8 percent in the third and fourth quarters, respectively. Lawrence Yun, chief economist at the National Association of Realtors, tells NEWSWEEK that "home sales and prices in most of the country will improve during the second half of 2008." (Yun is the Little Orphan Annie of forecasters. He's always sure the sun will come out tomorrow.) Last month, Treasury Secretary Henry Paulson said, "We expect to see a faster pace of economic growth before the end of the year."

The cause for optimism: the U.S. has called in the economic cavalry, which has responded in textbook fashion. The Federal Reserve has aggressively cut interest rates, bringing the Federal Funds rate down from 5.25 percent last September to 2 percent. Earlier this spring, Congress and President Bush, in a rare moment of bipartisan accord, passed a stimulus package, which will shove nearly $100 billion into the pockets of American consumers by mid-July.

But this downturn is likely to last longer than the eight-month-long recession of 2001. While the U.S. financial system processes popped stock bubbles quickly, it has always taken longer to hack through the overhang of bad debt. The head winds that drove the economy into this dead calm— a housing and credit crisis, and rising energy and food prices—have strengthened rather than let up in recent months. To aggravate matters, the twin crises that dominate the financial news—a credit crunch and the global commodity boom—are blunting the stimulus efforts. As a result, the consumer-driven economy may not bounce back as rapidly as it did in the fraught months after 9/11.

As it seeks to regain its footing in the second half, the U.S. economy faces two significant obstacles, neither of which was evident in 2001. The first is entirely homegrown: the self-inflicted wounds of the promiscuous extension and abuse of credit in the housing and financial sectors. The second is a global phenomenon that has comparatively little to do with American behavior: rampant inflation in commodities such as oil, food and steel. These trends have conspired to inflict genuine economic pain and deflate consumer confidence. The Conference Board's Consumer Confidence Index in May slumped to a 16-year low.

While the treatment of the current malaise has been essentially identical to the reaction to the 2001 slump—aggressive Federal Reserve rate cuts and tax rebates—the symptoms are quite different. In 2001, an implosion in the technology sector and a slump in business investment pushed the economy over the edge. Even though some 3 million jobs were shed between 2001 and 2003, consumers soldiered on through the downturn. "We had a massive reduction in both long- and short-term interest rates, which set off the housing and consumption boom," says Ian Morris, chief U.S. economist at HSBC. (Remember zero-percent car loans?) This time, it's the opposite. While businesses—especially those that export—are holding up, the economy is being dragged down by the cement shoes of a freaked-out consumer and a punk housing market.

The difficulties today start—as they began last year—with housing and housing-related credit. Last Thursday, the Mortgage Bankers Association quarterly report showed that the percentage of mortgage borrowers behind on their payments—6.35 percent—was the highest since the MBA began tracking the number in 1979. It's not just subprime. In the first quarter of 2008, 36 percent of all foreclosures initiated were on prime adjustable-rate mortgages in California. Mark Zandi, chief economist of Moody's Economy.com, says the decline in home prices has slashed $2.5 trillion from household wealth, or about $25,000 per homeowner. The fall has also removed an important source of support for consumer spending, as Americans who grew accustomed to borrowing against rising home equity to finance car purchases or vacations now find themselves bereft. Banks are extricating themselves from the home-equity-line-of-credit business in the same way college students get themselves out of relationships gone bad: abruptly. Judi Froning, a second-grade teacher in San Diego, was surprised last week when she received a letter from Chase informing her that it was terminating her untapped HELOC. "In the light of declining home values, they said they are stopping, effective May 31, any draw on my line of credit," she says.

Despite repeated claims that the damage has been contained, the banks that recklessly financed the housing boom—and then traded mortgage debt even more recklessly—are still cleaning up the mess. But it turns out (surprise!) the same sort of clouded judgment led banks to excesses in commercial lending, and in loans to private-equity firms. The battered financial system, which has raised tens of billions of dollars on onerous terms from new investors to shore up balance sheets, is still likely to suffer more pain from the popped credit bubble, said Bruce Wasserstein, the CEO of the investment bank Lazard, speaking at a New York breakfast. "The harm will radiate for another year." The latest victim: Wachovia CEO G. Thompson Kennedy, cashiered after the North Carolina-based bank suffered a string of losses. Next up: write-offs for bad credit-card and commercial real-estate debt. After a serene period between 2004 and '07 in which the Federal Deposit Insurance Corp. went without a single bank failure, four have gone under so far this year. FDIC chairperson Sheila Bair warned of the "possibility that future failures could include institutions of greater size than we have seen in the recent past." In preparation, the agency has brought staffers out of retirement.

Money Talks The Solution

Now, after seeing the report from Newsweek above, there is good news on the horizon. Money Talks is designed to assist, mentor, inform and educate you in the ways that will help you protect yourself in this economy. Money Talks is a no-nonsense business program, designed by Dr. Raymond Jewell, that is making huge statements towards telling people the solutions to their money and financial problems.

Money Talks is free to join. The Money Talks Newsletter comes loaded with massive amount of information that you can use to help you begin to understand more fully, the ins and outs of financial institutions, government and will unlock the mystery surrounding the little known substance of wealth recovery.

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_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio

Money Talks

Money Talks

In talking about money and finances, it would be noteworthy to look deeper into the aspect of money, to evaluate its importance in the mindset of individuals.  There are two pervasive features that come more clearly into focus when money talks appears.

1.  You have enough money to do the things you wish, buy the items you require and are basically financially sound for the future.

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Money Talks

Money Talks

There is so much confusion right now in the government, and with the economy as a whole, it is difficult, if not almost impossible, for people to find real information that they can use, to learn more about money, finances, and how to grow and prosper, in this dwindling economy. The news sources will tell you one story, that everything is well and growing. It is a fact; however, that your dollar that you are earning at work right now, is slowly being eaten up by factors that you may not even be aware of. The answer to the problem is Money Talks.

Money Talks tells you the real story about how their are four laws that govern the financial institutions of this country. Money Talks breaks through the mystery and confusion of financial legal double talk, and empowers individuals with the ability to learn the insider secrets of wealth recovery and wealth creation as well. Money Talks will actually tell it just exactly like it is, and from there, you make the decision on whether to become proactive in your economic life, or simply bury your head in the sand, and believe that there really is nothing that you can do to save and recover lost wealth.

Here is my offer to you today. Visit the Money Talks site today. Take some time to signup for the various newsletters and free offers that you find there. Listen to the audio recordings and absorb the knowledge that is contained within. If you like the program, and what I have to say about money and finances, then I will be pleased. If you receive the newsletters about Money Talks, and do not find value contained within, simply opt out. The choice is totally up to you in how you wish to live from today!  Money Talks is hard hitting and designed for anyone wishing to improve their current economic situation.

http://www.moneyteleseminars.com
_________________
Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio

PS

Be sure to check out the Google Event Calendar on Internet Tales and Tips SEO Forum, and tune into my Financial Freedom Radio show!

Money Talks

Money Talks

Money Talks is the financial program designed by Dr. Raymond Jewell, the noted business economist, that will empower anyone listening, with the ability to choose their own financial destiny by utilizing proven business and financial techniques taught.  Money Talks is for everyone interested in becoming more financially stable in this ever changing economy.  Money Talks is free to join, and the website listed is home for many Money Talks newsletters, financial resources, and of course many recordings in audio and video format.

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Money Talks has far ranging help, particularly in the current economy.  It is Dr. Jewell's goal in life, to help people better understand how they are losing money with the financial institutions, and how to stop that from happening to them.  People who have attended the Money Teleseminars Session, come away with increased knowledge and insight that will help them in solving most of their money concerns in the upcoming years.

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Money Talks

Money Talks

Its a fact that people are somewhat stressed concerning their money and finances. I have done much research over the past 30+ years into money, finances, financial institutions, and have been able to mentor many into taking the more productive path towards financial independence and freedom.

Money talks is my own brand of offering you, the Google reader, a glimpse into the reality that you can learn to become more effective in your financial life, without having to get another job, or cut back on things that you are currently doing to make money.

Money Talks is free to join. I am offering you real time business principles that you can use to learn how your money is being used through the financial institutions, that you may not even be aware of. Money is slipping right through your hands daily, and I am here to tell you that there is a way to stop that from happening.

I chose to bring my program Money Talks to the Internet. I find that people searching for real solutions to problems will turn to Google for that information. I know that most of the things that you read from financial planners, life insurance agents and so-called financial gurus, is most digital trash. I offer my readers real information and systems that will ultimately prove valuable in your long term financial life.

Here is my offer, you can go to any of the highlighted links in this article, and optin for my information concerning Money Talks. Your private information will never be sold, nor shared in any way with others. It is simply the best way for me to keep sending you the information concerning money and finances that will help you to grow your money in a productive and pro-active way.

Join the Money Talks newsletter today, and you will receive huge benefits and solutions that will empower you with knowledge and education.  Its time to learn where your money is actually going from an expert that will tell you the facts.
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Dr. Raymond Jewell-Senior Economist
Money Talks
Financial Freedom Radio

Life Insurance-Things to Know BEFORE You Buy!

People understand these days that they could be leaving their families with a lot of problems when they die. It is very possible that the unpredictability of death would allow the people who are left behind struggling to take care of the business of fixing things and covering unfinished business of the deceased. It could be that upon the death of the deceased, they would have some difficulty paying off hospital fees, other debts of the deceased that need to be immediately paid and funeral fees. These are the kinds of problems that could prevent the family from properly mourning the loss of the loved one. In some cases, it could even tarnish the memory of he otherwise beloved family member. It is for this reason that it is a very wise choice for people to purchase a term life insurance that will cover most if not all of these tangential problems.

Term life insurance is the purest form of life insurance. It is not a permanent kind of life insurance and what differentiates it is the term. This mans that for an agreed upon term, the insured is insured against several risks that may or may not happen during term. If it does happen during the term, the insurer will then have to pay the proceeds of the term life insurance to the beneficiaries of the policy. After the term ends, the insured can drop the policy altogether and all the risks that he is insured against will no longer be compensated if it does happen. There will be no more compensation since the occurrence happened after the term. Moreover, the premiums that were paid will not revert back to the insured. There is therefore no return of insurance premiums in a term life insurance. This does not mean however that once the term ends, the person can no longer be insured. The person can be insured again by the insurer and in most cases, the term is renewed right after the end of the original term. It all depends on the agreement and the term can be continued or renewed with another payment of the insurance premiums.

Term life insurance can be very helpful for the beneficiaries of the deceased as it can cover all the miscellaneous fees that need to be taken care of upon the death of the insured. It can cover for the unreal services and the hospital expenses of the deceased and could also cover outstanding debts such as mortgages of their property. A term life insurance protects these families from the problems that they will encounter due to the death of the person and will allow them to focus on mourning the person's loss.

There are many different kinds of life insurance and some of them would prove to be equally helpful to the families. However, a term life insurance is probably the easiest to understand because of its simplicity. It is important to understand that a term life insurance is a very useful tool in protecting our loved ones from the problems that sudden death may bring. Protecting them should always be a priority.

Becoming educated in the ways of life insurance BEFORE you purchase it, is one way to assure that you are covered adequately, and that you can make your money invested work for you.  Financial education and insight are necessary in learning how to further your own economic future.

Things to Learn BEFORE you purchase life insurance HERE...

Life Insurance-Things You Need to Know!

Buying life insurance can be a major decision, especially when you want to make sure that the policy you purchase is going to meet the specific needs of you and your family. You might decide that you don't need life insurance at all, and even if you do want to purchase a life insurance policy you'll still have to decide whether a term life policy or a whole life policy will be better for your needs. While term life insurance is quite popular, there are some benefits offered by whole life policies that term policies just can't match. Whole life insurance isn't right for everyone, so make sure that you consider some of the following items to help determine if it's right for you.  Before You Purchase Life Insurance, Learn More HERE...

One of the more important things to consider when deciding whether term life insurance would be a good choice for you is whether you want your policy to serve as insurance only or whether you'd like for it to have a separate value as well. Whole life policies gain value over time due to investments, and this value can be used to secure loans in much the same way that equity loans borrow against the value of a home. Since this feature is not offered with term life insurance, if you would like for your policy to have its own value then whole life is the way to go.

Whole life policies also take care of the biggest problem with term life insurance… instead of the policy only lasting until the end of a specific period of time, your whole life policy will offer coverage to you until you pass away regardless of how long that is. This can allow you to guarantee that your family and other loved ones will be taken care of as you wish without having to worry about whether the term of your insurance will lapse before that time. If you only want your life insurance to provide coverage for you until your retirement fund kicks in or you're trying to make sure that your family will be provided for while the kids are still living at home, then you would probably better off with a term life policy.

One other factor that should be taken into consideration when deciding whether or not to buy whole life insurance is whether you can afford it or not. Whole life policies are generally more expensive than term life, and if the cost of the insurance that you buy is going to be a major factor then it's important to make sure that you can afford the whole life premiums. An increasing number of whole life policies are being offered with locked-in premium rates so that they won't continue to increase with time, but you should still make sure that you're getting a rate you'll be able to afford over the years before locking it in.

If you're still undecided as to whether you would benefit from a whole life policy or if term life would be better for you, take the time to talk to insurance agents about the differences in the policies. Express your concerns and what you're looking for and they will be able to answer your questions and provide you with additional information about whole life policies. This will help you to make an informed decision as to whether a whole life insurance policy is the right fit for your needs.

BEFORE YOU BUY LIFE INSURANCE...CLICK HERE!

Life Insurance

Life insurance is a contract between an insurance company and a policy owner in which the insurer agrees to pay an amount of money in the event of the insured person's death or other circumstances like terminal illnesses. The policy payer in return, pays an agreed amount that is called a premium at intervals or lump sums.

One stipulation of insurance is that the insurer will pay the insurance claims to the beneficiaries of the insured if an insured event that is covered by the policy occurs. Insured events are specified events covered by the insurance policy. These events should be based on the lives of the people included in the policy. Sickness can be covered by an insurance policy.

Like any other contract, life insurance has terms that describe the liabilities and limitations of the insurer and the insurance coverage respectively. Events that are excluded from coverage are generally written in the contract to limit the insurance company's liability. One example of exclusion is suicide.

Life-based insurance has two major types. Protection policies are those that are designed to grant benefit upon the occurrence of a specified event. The insurance claims are usually paid in lump sums. Term life insurance is an example of this policy. Another type is investment policies. The objective of these is to assist the build up of cash value by regular premiums. The common forms of these policies are whole life, variable life and universal life insurance.

The parties involved in insurance contracts are the insurer, the policy owner, the insured, and the beneficiaries. The insured and the policy owner are often the same person, but there are circumstances that they are two different individuals. A wife who purchases insurance for her husband is the policy owner, while the husband is the insured person. The wife is the person responsible for the payment of monthly premiums, while the husband is the person that is covered by insurance. In the event that the insured person dies, the insurance claims are then paid to the beneficiaries of the insured. The beneficiaries are normally the dependents who receive the death benefit to be paid by the insurance company. They may either be persons, business entities or organizations.

The cost of the insurance premiums are normally based on the risk that an insurer has to take to insure a person, the probability that a person will die, and the administrative costs and profits to be incurred by the insurance company. The probability of death is taken from mortality tables that are based on age, gender, and tobacco use.

In the event of the insured's death, beneficiaries are required an acceptable proof of death before they are paid the insurance claims. The normal required proof is a death certificate and a completed insurer's claim form. In circumstances where the death of the insured individual is suspicious, the insurance company has the right to investigate on the death before deciding if it has an obligation to pay the death benefit for the life insurance to the beneficiaries of the insured.

Before You Purchase Life Insurance CLICK HERE!

Life Insurance

Facts You Should Know BEFORE You Purchase Life Insurance!

Types of life insurance

Life insurance may be divided into two basic classes – temporary and permanent or following subclasses - term, universal, whole life and endowment life insurance. Learn More About Life Insurance BEFORE you purchase!

Temporary Term Insurance

Term assurance: provides for life insurance coverage for a specified term of years for a specified premium. The policy does not accumulate cash value. Term is generally considered "pure" insurance, where the premium buys protection in the event of death and nothing else.

There are three key factors to be considered in term insurance:

1. Face amount (protection or death benefit),
2. Premium to be paid (cost to the insured), and
3. Length of coverage (term).

Various insurance companies sell term insurance with many different combinations of these three parameters. The face amount can remain constant or decline. The term can be for one or more years. The premium can remain level or increase. A common type of term is called annual renewable term. It is a one year policy but the insurance company guarantees it will issue a policy of equal or lesser amount without regard to the insurability of the insured and with a premium set for the insured's age at that time. Another common type of term insurance is mortgage insurance, which is usually a level premium, declining face value policy. The face amount is intended to equal the amount of the mortgage on the policy owner's residence so the mortgage will be paid if the insured dies.

A policy holder insures his life for a specified term. If he dies before that specified term is up, his estate or named beneficiary receives a payout. If he does not die before the term is up, he receives nothing. In the past these policies would almost always exclude suicide. However, after a number of court judgments against the industry, payouts do occur on death by suicide (presumably except for in the unlikely case that it can be shown that the suicide was just to benefit from the policy). Generally, if an insured person commits suicide within the first two policy years, the insurer will return the premiums paid. However, a death benefit will usually be paid if the suicide occurs after the two year period.

Permanent Life Insurance

Permanent life insurance is life insurance that remains in force (in-line) until the policy matures (pays out), unless the owner fails to pay the premium when due (the policy expires OR policies lapse). The policy cannot be canceled by the insurer for any reason except fraud in the application, and that cancellation must occur within a period of time defined by law (usually two years). Permanent insurance builds a cash value that reduces the amount at risk to the insurance company and thus the insurance expense over time. This means that a policy with a million dollar face value can be relatively expensive to a 70 year old. The owner can access the money in the cash value by withdrawing money, borrowing the cash value, or surrendering the policy and receiving the surrender value.

The four basic types of permanent insurance are whole life, universal life, limited pay and endowment.

Whole life coverage

Whole life insurance provides for a level premium, and a cash value table included in the policy guaranteed by the company. The primary advantages of whole life are guaranteed death benefits, guaranteed cash values, fixed and known annual premiums, and mortality and expense charges will not reduce the cash value shown in the policy. The primary disadvantages of whole life are premium inflexibility, and the internal rate of return in the policy may not be competitive with other savings alternatives. Also, the cash values are generally kept by the insurance company at the time of death, the death benefit only to the beneficiaries. Riders are available that can allow one to increase the death benefit by paying additional premium. The death benefit can also be increased through the use of policy dividends. Dividends cannot be guaranteed and may be higher or lower than historical rates over time. Premiums are much higher than term insurance in the short-term, but cumulative premiums are roughly equal if policies are kept in force until average life expectancy.

Cash value can be accessed at any time through policy "loans". Since these loans decrease the death benefit if not paid back, payback is optional. Cash values are not paid to the beneficiary upon the death of the insured; the beneficiary receives the death benefit only. If the dividend option: Paid up additions is elected, dividend cash values will purchase additional death benefit which will increase the death benefit of the policy to the named beneficiary.

Universal life coverage

Universal life insurance (UL) is a relatively new insurance product intended to provide permanent insurance coverage with greater flexibility in premium payment and the potential for a higher internal rate of return. There are several types of universal life insurance policies which include "interest sensitive" (also known as "traditional fixed universal life insurance"), variable universal life insurance, and equity indexed universal life insurance.

A universal life insurance policy includes a cash account. Premiums increase the cash account. Interest is paid within the policy (credited) on the account at a rate specified by the company. Mortality charges and administrative costs are then charged against (reduce) the cash account. The surrender value of the policy is the amount remaining in the cash account less applicable surrender charges, if any.

With all life insurance, there are basically two functions that make it work. There's a mortality function and a cash function. The mortality function would be the classical notion of pooling risk where the premiums paid by everybody else would cover the death benefit for the one or two who will die for a given period of time. The cash function inherent in all life insurance says that if a person is to reach age 95 to 100 (the age varies depending on state and company), then the policy matures and endows the face value of the policy.

Actuarially, it is reasoned that out of a group of 1000 people, if even 10 of them live to age 95, then the mortality function alone will not be able to cover the cash function. So in order to cover the cash function, a minimum rate of investment return on the premiums will be required in the event that a policy matures.

Universal life insurance addresses the perceived disadvantages of whole life. Premiums are flexible. Depending on how interest is credited, the internal rate of return can be higher because it moves with prevailing interest rates (interest-sensitive) or the financial markets (Equity Indexed Universal Life and Variable Universal Life). Mortality costs and administrative charges are known. And cash value may be considered more easily attainable because the owner can discontinue premiums if the cash value allows it. And universal life has a more flexible death benefit because the owner can select one of two death benefit options, Option A and Option B.

Option A pays the face amount at death as it's designed to have the cash value equal the death benefit at maturity (usually at age 95 or 100). With each premium payment, the policy owner is reducing the cost of insurance until the cash value reaches the face amount upon maturity.

Option B pays the face amount plus the cash value, as it's designed to increase the net death benefit as cash values accumulate. Option B offers the benefit of an increasing death benefit every year that the policy stays in force. The drawback to option B is that because the cash value is accumulated "on top of" the death benefit, the cost of insurance never decreases as premium payments are made. Thus, as the insured gets older, the policy owner is faced with an ever increasing cost of insurance (it costs more money to provide the same initial face amount of insurance as the insured gets older).

Limited-pay

Another type of permanent insurance is Limited-pay life insurance, in which all the premiums are paid over a specified period after which no additional premiums are due to keep the policy in force. Common limited pay periods include 10-year, 20-year, and paid-up at age 65.

Endowments

Endowments are policies in which the cash value built up inside the policy, equals the death benefit (face amount) at a certain age. The age this commences is known as the endowment age. Endowments are considerably more expensive (in terms of annual premiums) than either whole life or universal life because the premium paying period is shortened and the endowment date is earlier.

In the United States, the Technical Corrections Act of 1988 tightened the rules on tax shelters (creating modified endowments). These follow tax rules as annuities and IRAs do.

Endowment Insurance is paid out whether the insured lives or dies, after a specific period (e.g. 15 years) or a specific age (e.g. 65).

Accidental Death

Accidental death is a limited life insurance that is designed to cover the insured when they pass away due to an accident. Accidents include anything from an injury, but do not typically cover any deaths resulting from health problems or suicide. Because they only cover accidents, these policies are much less expensive than other life insurances.

It is also very commonly offered as "accidental death and dismemberment insurance", also known as an AD&D policy. In an AD&D policy, benefits are available not only for accidental death, but also for loss of limbs or bodily functions such as sight and hearing, etc.

Accidental death and AD&D policies very rarely pay a benefit; either the cause of death is not covered, or the coverage is not maintained after the accident until death occurs. To be aware of what coverage they have, an insured should always review their policy for what it covers and what it excludes. Often, it does not cover an insured who puts themselves at risk in activities such as: parachuting, flying an airplane, professional sports, or involvement in a war (military or not). Also, some insurers will exclude death and injury caused by proximate causes due to (but not limited to) racing on wheels and mountaineering.

Accidental death benefits can also be added to a standard life insurance policy as a rider. If this rider is purchased, the policy will generally pay double the face amount if the insured dies due to an accident. This used to be commonly referred to as a double indemnity coverage. In some cases, some companies may even offer a triple indemnity cover.

Life Insurance Facts You Should Know BEFORE You Purchase!

Life Insurance

Life Insurance...Facts You Should Know!

Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise.

As with most insurance policies, life insurance is a contract between the insurer and the policy owner whereby a benefit is paid to the designated beneficiaries if an insured event occurs which is covered by the policy.

The value for the policyholder is derived, not from an actual claim event, rather it is the value derived from the 'peace of mind' experienced by the policyholder, due to the negating of adverse financial consequences caused by the death of the Life Assured.

To be a life policy the insured event must be based upon the lives of the people named in the policy.

Insured events that may be covered include:

    * Serious illness

Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; for example claims relating to suicide, fraud, war, riot and civil commotion.

Life-based contracts tend to fall into two major categories:

    * Protection policies - designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of this design is term insurance.
    * Investment policies - where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the US anyway) are whole life, universal life and variable life policies.


Prudential Financial, Inc.

(NYSE: PRU) is a Fortune Global 500 and Fortune 500 company whose subsidiaries provide insurance, investment management, and other financial products and services to both retail and institutional customers throughout the United States and in over 30 other countries. Principal products and services provided include life insurance, annuities, mutual funds, pension- and retirement-related investments, administration and asset management, securities brokerage services, and commercial and residential real estate in many states of the U.S.

It provides these products and services to individual and institutional customers through distribution networks in the financial services industry. In 1981, the company acquired Bache & Co., a stock brokerage service now operating as a wholly owned subsidiary. Prudential has operations in the United States, Asia, Europe and Latin America and has organized its principal operations into the Financial Services Businesses and the Closed Block Business.

Prudential is composed of hundreds of subsidiaries and holds more than $2 trillion of life insurance. Its logo is the Rock of Gibraltar.

Started in Newark, New Jersey in 1875, Prudential Financial, Inc. as it is known today, was originally called the "The Widows and Orphans Friendly Society" and was founded by John F. Dryden, who later became a U.S. Senator. It sold one product in the beginning, burial insurance. John F. Dryden was president of Prudential until 1912. He was succeeded by his son Forrest F. Dryden, who was the president until 1922.

Prudential has evolved from a mutual insurance company (owned by its policyholders) to a joint stock company. It is now traded on the New York Stock Exchange under the symbol PRU. The Prudential Stock was issued and started trading on the New York Stock Exchange on December 13, 2001. On October 16, 2007 the Fox Business Channel picked Prudential as part of its Fox50 Index.

In 1999, Prudential sold its healthcare division, Prudential HealthCare, to Aetna for $1 billion.

On May 1, 2003, Prudential formalized the acquisition of American Skandia, the largest distributor of variable annuities through independent financial professionals in the United States. The combination of American Skandia variable annuities and Prudential fixed annuities was part of Prudential's strategy to acquire complementary businesses that help meet retirement goals.

In April 2004, the company acquired the retirement business of CIGNA Corporation.

On August 1, 2004, the U.S. Office of Homeland Security announced the discovery of terrorist threats against the Prudential Financial headquarters in Newark, New Jersey, prompting large-scale security measures such as concrete barriers and internal security changes such as X-ray machines.

On August 28, 2006, federal and state securities regulators and the Department of Justice announced parallel settlements and a total of $600 million in monetary sanctions against Prudential Securities, Inc. (now known as Prudential Equity Group ) for misconduct relating to improper market timing.

On November 28, 2007, Prudential Financial board of directors elected a new CEO

"The board of directors of Prudential Financial Inc. has elected a new chief executive officer. Vice chairman John R. Strangfeld will take the reins of the Newark-based insurance and financial services company on Jan. 1. Strangfeld, 53, currently runs all of Prudential's U.S. businesses. He succeeds Arthur F. Ryan, who is retiring as CEO at the end of 2007. Strangfeld also will become chairman after Ryan retires from that job in May 2008."

Before You Purchase Life Insurance...CLICK HERE!

Money Talks

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You know the rest of that tune, right? All the financial advisers in the world are trying to get you to spend your money, save your money, while all the while, they secretly are trying GET your money!

Money Talks is a straight shooting newsletter that will tell you the real truth about finances, the financial institutions, and how your money is being sucked from your account, without you even knowing it!

Money Talks will tell you the truth, even if it hurts! Money Talks breaks the mold on financial planning, and financial planning, that will empower you with the ability to actually recover lost wealth!

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Prudential

Prudential Financial Inc. became the latest life insurer to reject federal bailout funds, saying in a one-sentence statement early Monday it doesn't need capital from the Treasury Department's Troubled Asset Relief Program.

Its stock fell 2.3% premarket to $39; shares, though, are up 32% this year and have nearly quadrupled since bottoming out in March.

A number of companies in November sought federal help as they were hit by billions of dollars in investment losses and worries about their capital levels. Prudential has lost money in the past three quarters on woes in its investment portfolio.

But especially in the past month, a wide spectrum of companies have been able to raise money directly from investors who have shown to be less risk averse than they had been.

Prudential made its decision "after conducting a thorough review." The Wall Street Journal reported last month, after the Treasury gave its belated blessing to allow life insurers access to TARP, that Prudential would likely decline the request.

Ameriprise Financial Inc., one of six life insurers that were preliminarily approved in May, said it wouldn't participate. Allstate Corp. also has declined to accept funds.

Before you choose to buy life insurance, learn more here...

How Do I Make More Money?

Often times, we feel the need to ask ourselves questions about the financial situations that we all encounter from time to time.  Most often, we wonder how to make more money, or how to find a better paying job in order to stave off the vultures at the bank.  We will improvise all ways of creative financing in order to rob Peter, and pay Paul.  We may actually think that finding a better job is the solution, but most often, we all find ourselves right back in the same old rut within a few months.  We over spend.  We buy too much stuff.  We never even consider that WE are the real problem that we have in our money.  Its always someone else's fault.

What if I could share with you a way that you could recover lost wealth, and never have to leave your current job?  What if I could show you a way out of the financial jungle that would empower you to break free from your financial woes?  What if I could educate you in the ways that financial institutions are draining your money on a monthly basis?  What if I could offer you business mentoring and training that  would assist you in building a stronger financial future, NO matter what you current economic situation is?  Would that be of value to you?  Here is the solution and answers to many of the financial questions that you currently have.

http://www.moneyteleseminars.com

Money Seminars

What is a Money Seminar?

Money seminars are provided to answer many of your questions concerning finances.  A gathering of like minded people, via the Internet, or teleconferencing phone systems, meet at a pre designed time, and listen and learn, from one of the foremost business economists of our time, Dr. Raymond Jewell.  These valuable systems are provided for very negligible fee, for you, the person hungry for education and knowledge concerning the actual ways that money is lost in today's economy.  You could call money seminars your roadmap to financial freedom and independence, even in these times of economic crisis.

Why should you spend your valuable time attending a money seminar meeting?

Its a fact that Dr. Jewell has been mentoring and assisting people with their money and finances for over 30 years.  His business knowledge and expertise is world renowned, and the people who attend the money seminars will find invaluable information and knowledge that they can use to improve their financial situation.

How much do the money semimars cost?

The cost is only $39,  This amazing value provides you additional incentives for registering including a free financial workbook, access to the archives of other recorded sessions, and even grants you the ability to have a 30 minute consultation with Dr. Jewell, concerning your particular financial situation.  This in itself, is worth viewing and signing up for the newsletters, and listening to the audio and video recordings found on this website.

http://www.moneyteleseminars.com

You should only attend these sessions, and view this site if you are interested in providing your family security and increased money for the long term.  These money seminars will inspire, motivate and educate you in the ways that you are currently losing money, and have been doing so, for the last 10 period.  Most are not even aware of this sad, but true fact!

Money seminars is not only a wealth recovery program, it is also a money management session.  The meetings will be relatively short in duration, but in that time, you will become more aware of how you, Mr. or MS. consumer, can learn to recover lost wealth, and learn to improve your overall financial earning ability.

Money Seminar

The Truth Will Set You Free!

How long has it been since you have actually been told the truth about money and finances?  I would suppose that this would equally apply to absolutely anything that you hear, or read.  Lies and smoke are prevalent, not only on Google, but also on the media.  You will never hear the real truth from reading your favorite newspaper, or by listening to your favorite television channel.  Basically, all forms of the media are owned by huge conglomerates that will cater to the desires of stock holders, and not the common people who absorb the trash that is fed them like voracious and hungry wolves.

How long has it been since you have actually been told the truth by your bank, or mortgage lending Establishment?  How long ahas it been since your government has actually shared with you the real truth behind the scenes?  Its a well known fact that this whole country is run by a select few.  They push all the buttons around the world.  Have you been told the truth, or simply told what you want to hear?

How long has it been that you actually knew where your money is going in taxes?  This holding out the real story even applies to your own grass roots politicians in your home town.  The term truth, has lost its power in this country, and you have let this happen.  I remember the phrase from a popular Jack Nicholson movie:  "You can't handle the truth!"

Can you handle the truth about your money and finances?  Would you be shocked to learn that there is a way to learn how to deal effectively with the financial institutions of this country?  What if you really could learn where your money is actually going, and how to protect yourself against losing money in the future?  Would that help you in any way?

http://www.moneyteleseminars.com

Money Seminars

Financial Planning does not Work!!!

Over the years financial planners have been sitting in front of clients showing them spreadsheets and ledgers about numbers. Over the years the numbers never happen! Why? Because it is only opinion instead of fact. This is one reason why financial planning does not and will not work.

There is no method of verification or showing that what is being said is truth. No wonder people are failing and outliving their money. You see, money is not math and math is not money. There are to many other variables to consider, but not for the financial planners of the world, they use math and assume that their opinions will work. Folks this is called gambling and why would you gamble with your hard earned dollars?

Unless you have a method of verifying whether what is being told to you is truth or not, you will always lose. When you get someone's opinion you are being set up for failure or allowing your self to be set up for failure. Whenever anyone's whole financial world is structured around financial markets there will be failure simply because of the cycles that the financial markets go through.

When times are great people think they are financial geniuses, but when times get tough and markets drop people blame others when in fact it's really your fault. Yes if you lost large chunks of money you are the one to blame simply because the buck stops at you. So why wouldn't you take the time to learn how to do it right.

It doesn't have to be that way! You can learn how to eliminate the financial ups and downs simply by thinking differently and looking at the financial world differently. We are offering a tele seminar on "Wealth Recovery" where you will learn how to look at the financial institutions in whole different light. You will be able to see how to win in down markets and verify everything that you do for truth, and not have to listen to some financial planner's opinion.

To take advantage of the seminar go to www.MoneyTeleSeminars.com and sign up for the 'Wealth Recovery" tele seminar and learn how to think like a financial institution.

To understand your financial world in the most efficient way you must look at everything in an economic model and be able to see your financial mistakes before you make them. When you can see your mistakes ahead of time you can fix them and avoid costly financial losses. When you come to the tele seminar you will learn how to look for an advisor who has a macro economic perspective and not a micro financial planning perspective.

If you are reading this article as a result of getting our Money Talks Newsletter then pass it on to  a friend so then can learn how to win. They would appreciate it and so would I. Our goal is to reach 1,000,000 people and teach them how to look at their financial world through a macro economic grid and be able to see their mistakes before they happen and need your help. If you haven't signed up for the tele seminar then I have a gift for you. I will give it to you for free all you have to do is go to the link below and sign up but there is one catch, you have to bring a friend. Give the link to a friend.  

If you alredy paid for the tele seminar you will get an additional 1/2/ hour so in total you will have a full hour to go over your economic information. Your one-on-one meeting will be on-line with me where you will be able to see the economic simulator in action. You will have one full hour to ask as many questions as you wish, with no obligation.  Money Seminars is designed to be your roadmap to financial security for the long term.

Here is the "bring a friend" link. We can handle 2000 people listening live from the website so   click here.

 

Thanks for reading

Dr. Raymond Jewell, Senior Economist

www.FinancialFreedomRadio.info

Money Seminars Archives

Come and view the Money Seminars archives.  These are designed to inform Google readers of the information, techniques and articles that are created by Dr. Raymond Jewell, with the intent and purpose of helping anyone needing financial assistance.

Money Seminars Archives

Money Seminars

Money Seminars-The Path to Financial Freedom

Money Seminars, created by Dr. Raymond Jewell, are designed to assist anyone in learning more about money, finances and the financial institutions of this country, in order to empower them to have more available spending capital for the long term.  Viewing the site listed below, could lead to a sound breakthrough in education concerning money.
 
FOR IMMEDIATE RELEASE

PRLog (Press Release)

Jul 08, 2009

Money Seminars, is the first of its kind in the financial world.  Dr. Raymond Jewell, the esteemed Senior Economist, has been in the economic field for over thirty years.  His business mentoring and teaching has led many into the world of more financial freedom and long term growth.

No matter what position an individual finds themselves in at this point, attending the Money Seminars, will lead to enhanced profitability and stress reduction concerning money, finances, and the actual ways that financial institutions are geared to operate in this country today.

Unlike so called financial planners, Dr. Jewell's cutting edge information and knowledge in the real world of finances, are seen as a valuable resource tool for anyone seeking help and assistance.

The basis for Money Seminars is simple and direct.  Dr. Jewell knows that the average person remains in the dark concerning the operating procedures currently used in the world of business and finances.  He is able to cut through the haze of mystery, and bring people into a much clearer understanding of what they should be doing, to recover lost wealth from the previous years.

http://www.moneyteleseminars.com

From the site listed above, there will be found an immense amount of valuable information, newsletters and tools that anyone is welcome to use in their own personal financial journey.  The Money Talks newsletter, free to sign up for, is just one example of the features that Dr. Jewell is offering to the general public.

Anyone wishing to listen to real time in your face talks concerning money, finances, government and the financial institutions, is also welcome to tune in to Financial Freedom Radio.

http://financialfreedomradio.info

These timely radio shows are held each Friday morning, and by simply dialing into the number provided, the person will gain additional insight into the money mind of Dr. Jewell.  His direct and common sense approach to money and finances, is leading many out of the dark path of losing money, into the light of education and knowledge that will lead to the eventual healing of financial difficulties.

Statistics show that most people are losing between 10%-20% or more of their gross income or revenue to financial inefficiencies and they don't know it. If you would like to recover these lost dollars.

More Information Concerning the Money Seminars HERE...

Business Mentoring

The information that has been presented to you so far is compelling as to why many of you have built up resistance to financial sales people. You know that they are going to sell you something and you are not sure that you want or need what they are selling. You also probably have heard horror stories about financial people and how they persuade you to buy things with no basis as to why you need or should want what they have to sell you.

 
When their information is based on "opinions" and not facts, and then they present to you opinionated reasons that you should do what they say. If you question what they tell you then they dazzle you with terminology that makes your eyes glaze over. Never lose sight of the four basic rules of financial institutions, which are below.
 

The financial institutions must get your money.
The financial institutions must get your money on a systematic and ongoing basis.
The financial institutions must hold on to your money for as long as possible.
The financial institutions must give your money back as little as possible.
 
We have recently seen that the financial institutions are not able to keep themselves afloat so why would it work for individuals. Many wealthy people have been saying for years that financial planning does not work and the financial crisis proves this true. As a consumer you should demand that your financial expert has the ability to build an economic simulator so you can see your financial future before it happens. Economic Simulation is necessary in planning your financial future.

When looking for a financial advisor you must check income as I mentioned before, and make sure that the financial person has the ability to get you to higher levels. They only way they can get you to a higher level is if they are already there. Also don't be fooled with the massive degrees and titles they have after their name it still doesn't mean that they know what they are talking about. Financial Planners give out unverifiable information and can't prove what they are actually saying. Ask for proof! If they can't give you verifiable proof than you are being taken advantage of. I know these are strong words but I can back them up.

We actually prove every financial move to our clients, and can show the financial future before it happens. When this is done you now have an enormous amount of financial power.

The theme of this article is to remind you of the reasons why financial planners are in existence and that they must follow specific rules to stay in business. Once they get your money there is no guarantee that they have to hang on to it.

We have just seen the worst financial crisis that has hit the United States in over 100 years with very little remorse on the part of the financial institutions to the consumer. With the upper management of these financial institutions taking huge incomes and living the life of luxury on your money then letting these financial institutions go out of business they have violated their fiduciary responsibility to the consumer.

Demand an economic model where you can see your financial mistakes before you make them and then correct them before they happen.

 
 
Thanks for your interest,
 
Dr. Raymond Jewell, Economic Advisor
Host, www.FinancialFreedomRadio
http://personaleconomiccoach.com/
 
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Money Seminar

Money Seminar


The Money Seminar, by Dr. Raymond Jewell, serves as a roadmap to greater financial independence.


The money seminar program, developed by Dr. Raymond Jewell, noted Senior Economist, serves to give direction and guidance in the areas of wealth recovery and money management.

It is a fact that you have probably lost money in the last 10 years due to the financial institutions and their policies. It is possible to recover that lost wealth, and move forward into a more productive financial outlook.

The economy today is less than favorable; however, Dr. Raymond Jewell will show you specific ways that you can increase your productivity and effectiveness in your financial matters.

Signup for the Money Seminar Newsletter HERE...


Dr. Raymond Jewell-Senior Economist
rbjewell1.money@info.trafficwave.net
http://www.moneyteleseminars.com

Money Seminar

Have you signed up for the "Wealth Recovery" Tele Seminar yet?

Just to give you some insight into how massive the MoneyTeleSeminar.com project is we will process over 10,000 attendees this year so you will want to get registered ASAP. 

Why is it in such a great demand? People are struggling financially and have seen the financial institutions erode away huge blocks of their savings and wealth. Homes have lost value, retirement funds have lost value and many people don't know where to turn. There is a lot of uncertainty with many looking for a better way to go forward in the future and not run the risk of losing financially again. 

At MoneyTeleSeminars.com we have the information and will share it with you and everyone else who is tired of listening to the financial people put them in strategies and programs that cause them to lose. This teleseminar will give you a future road map to win no matter what happens. Our clients, who have followed what we have told them, did not lose in the downturns. 

Giving you a preview, one of the answers that you will hear about is building an economic simulator to see the future before it happens and correct the mistakes that might occur. If you have no mistakes then you will have concrete, verifiable, proof that you are doing it right. If you are not you will know it before you live it. By the way don't let the word Economic Simulator throw you off, it just means to see it financially first before it happens. 

Sign up early and guarantee your seating. Some will be turned away and will have to wait until the nextMoneyTeleSeminars.com seminar. When you go to the sign up page you will also receive a tuition discount so go there now, we don't know how long the discount will be made available. 

See you at the TeleSeminar.

Thanks for reading

Dr. Raymond Jewell, Business Economist

www.FinancialFreedomRadio.info

PS

There are many added bonuses awaiting you by signing up for the Money Newsletter, and the other programs listed on the site.  Do not let this get past you  Optin Today  http://www.moneyteleseminars.com

Money Seminar

 Money Seminar

"Are you better off today then you were ten years ago?"

We all know the answer to this question don't we? Many people are downright angry about what has happened over the last several years but don't know what to do, or where to turn. The reason why many people have lost is because they listened to bad advice. We have all seen that the financial system, over the years, has let the public down but because of the financial institutions ability to spend large sums of money on advertising they have convinced the public that they have the right answer. Even though people have lost huge sums of money the financial institutions and financial planners are still sticking with their mantra that they are the answer.

No longer do you have to guess, going forward in the future. We have been using our economic simulators to help clients over the years see their mistakes before they are made and now you can to. When you take advantage of our economic simulation process you will see the mistakes before they are made then you can fix them. You no longer have to live through financial tough times, you will see them coming ahead of time and eliminate them. If you have no mistakes then you will at least have verification that you are doing things right.

If you would like to learn how the financial institutions take advantage of you then you should come to our MoneyTeleSeminars.com "Wealth Recovery" TeleSeminar. You will learn terminology that will enable you to look at the financial institutions the way the wealthy do. If ten percent of the people control ninety percent of the worlds wealth they this proves that the financial institutions, financial planners, and many accountants are wrong otherwise the ninety percent would control the wealth and they don't." So doesn't it make sense to do what the ten percent do?

Go to www.MoneyTeleSeminars.com and sign up for the next teleseminar.

Dr. Raymond Jewell, Economic Advisor

www.FinancialFreedomRadio.info