Wednesday, February 29, 2012
February 29th
Why should we have an extra day every four years, like today? Maybe it should be a day just to take a step back and have a look at what has been happening over the past four years or what we want to happen over the next four. Maybe we should use this day to give thanks to God who gave us this extra day.
For those of us here at Life Benefits we sure have a lot to be thankful for. And we’ve been able to witness many exciting things too. This past weekend, my dad, my cousin Ramon, and I went down to Costa Mesa, California to a large event for chiropractors. We met many great people that want to take responsibility for their financial future. We also got to spend some time with many of our clients that are already practicing IBC that were in attendance there.
When we got home, there was more excitement, one of our clients, had emailed to tell us how surprised and excited they were with the rapid growth in their policies’ cash values, these stories are delightful to us and they really give us a power boost to do what we do even better.
But that’s not all, the second day we were back, we received more good news from another one of our clients. Several years ago, before he became our client, he had unknowingly been coaxed into a tax-evasion scheme, and was facing criminal charges. In order to free his wife from these same charges, he plead guilty. He emailed us to let us know that the long awaited trial had taken place, and the judge showed great favor towards him. He was given a short term of probation, in which he is able to continue to work serving his fellow man and be with his family. God is good and merciful!
Furthermore, the other evening, our 82 year old neighbor called and asked if we had some eggs that he could put under one of his broody hens. We both raise the same kind of chickens, but we have a rooster and he doesn’t. So yesterday I went down to take him a dozen eggs. We stood in his garage and talked for probably an hour. We were talking about the power of words. He shared a message with me that he had just heard, “You have what you say, because you keep saying what you have.” That means, if you talk about the bad things that are happening to you, guess what? You’ll keep on getting what you’ve been getting. The challenge is to think about the things that are pure, good, holy, and of good repute….the very things that the Bible tells us to focus on. As we talked, he told me about how he had made the decision not to talk about his pain, and now he is feeling great.
We see this happen time and time again with people’s finances too. When people start thinking differently about their money, and they accept the responsibility of managing it to the best of their ability, suddenly things start changing…and the fun begins. As Billy Graham once said, “Once someone gets their attitude about money straight most everything else in their life will straighten out too.”
We will be using this extra day we have been given to help people that have made the decision to take control of their finances and travel the road of financial freedom. For today is the day the Lord has made and we WILL rejoice and be glad in it.
Ben McFie
Wednesday, February 22, 2012
This Valentines’ Day I took my wife, Michele, to pick up her new car. The 2012 Armada Platinum model Nissan.
Crazy as it may seem, only 18 months earlier I had purchased a new Ford Expedition Eddie Bauer, but that had been the WRONG move! When the vehicle was delivered we were very surprised to find that the seating provided hardly any leg room for our 3 boys that are over 6 foot tall despite the fact that we had purchased the EL model for extra length.
As time progressed we found that the driver’s seat put my legs to sleep within minutes of driving any distance and the new seat back design gave us all forward head posture...a nasty taboo for any chiropractor. Then one day the transmission light went on and the vehicle wouldn’t start! The Ford dealer checked it out and said nothing could be found wrong? At that moment I knew this particular Eddie Bauer was history for our family.
Now we had been making payments back to our banking system for the $42,000 loan we had taken from it to purchase the Ford Expedition. Being an IBC coach, I understood that leasing was the most expensive way to have the use of a vehicle over time so, I had been making payments to our IBC system as if the Eddie Bauer was on lease from somebody else’s leasing firm. Those payments were $1,250 a month. So here we were 18 months into owning a brand new vehicle and faced with the negative consequences of having to trade it in on a new one. I could only think of the depreciation that we were going to be hit with.
Once we decided on the Nissan Armada as the vehicle to purchase we noticed that the dealer price was $55,000. We DROVE it this time to make sure it fit us and our needs. And we fell in love with it. The problem was that the dealer wanted nearly $23,000 difference between our Eddie and the Armada. I began to shop around and ended up driving about 40 miles down the road to another dealership that extended us an offer for our Eddie plus $13,000 for the new Armada. I did the math in my head...$13,000 plus the $42,000 that we’d paid 18 month ago for our Eddie Bauer...that made $55,000. Where was the depreciation factor on our Eddie? I immediately signed the paperwork and left a deposit for the dealer to trade for the color that Michele preferred. And on Valentines’ Day Michele got to go pick up her new red Armada!
But what about the unseen part of this IBC transaction? What about the $22,500 that we had paid back to our banking system over the past 18 months? Well, it has been at work in a whole life insurance policy and has purchased another $507,000 of death benefit for our family. And it was from a cash value loan on that policy where the $13,000 which the dealer needed along with our Eddie Bauer for the new Nissan came from. That is what helped me close the deal so effortlessly. Plus, there is still cash value in that policy! Now that we have the Armada I will begin to repay that policy loan or I will purchase another policy with the new “lease” which we have on the Armada. With a higher priced vehicle now in the garage I will make sure that the “lease” payment we are paying ourselves is higher too. Why would I want to throw away the death benefit and cash value that a higher payment will produce for me over the next few years as Michele and the rest of the family enjoy our new Armada?
Isn’t this great? You can do this too! And so can your friends and family. Tell them how to get my book Prescription for Wealth (available as a free download at www.life-benefits.com) so they can start recovering the cost of their cars and other things that they finance in life too.
By Tomas McFie
Wednesday, February 15, 2012
Tyranny
C.S. Lewis warned of a great danger that lay ahead when he wrote, “Of all tyrannies a tyranny sincerely executed for the good of its victims may be the most oppressive. It may be better to live under robber barons than under omnipotent moral busybodies. The robber baron’s cruelty may sometimes sleep, his cupidity may at some point be satiated, but those who torment us for our own good will torment us without end for they do so with the approval of their own conscience.” Henry David Thoreau said in Walden that if he saw such an individual coming at him he would “run for his life.”
Pathetically today, Americans have allowed many bureaucracies, government, and quasi government organizations and political factions too much power to tyrannize millions of human beings in the name of protecting, providing or preventing society from peril, poverty, and disease. And just as tragic, if not even more so, are the millions of people who truly believe that these bureaucracies, government, and quasi government organizations and political factions really do protect, provide and prevent something terrible from happening to them. But most pitiful of all are the millions of others who denounce those who are attempting to expose these tyrants as being unpatriotic, un-American or even enemies.
Hermann Goering the second in command after Hitler himself wrote in this Nuremberg Diary in 1946, that “It’s always a simple matter to drag the people along. All you have to do is to tell them they are being attacked and denounce the pacifist for lack of patriotism and exposing the country to danger. It works the same in any country.”
Today we have tyrants who in collaboration with the fearful demand that government protect us from every possible quarter...including health, wealth, education, any and all physical, emotional or mental adversary known and unknown. But the health of our nation’s populous ranks is nearly at the lowest level of all westernized nations, while the wealth of Americans has been pilfered in order to lend it to foreign nations (many of whom are truly our enemies) or to bail out top executives of banks and major corporations and the bill has been given to the tax payer.
Education itself is no longer an elucidation but rather a thought control schooling process, brainwashing moldable minds into willing subjects to even more and greater tyranny. And those who speak against any of these sacred cows are labeled heretics, unpatriotic or even dangerous to society.
Yes, tyranny is dangerous but when those who are being tyrannized fail to realize that the greatest danger is giving up more self-control to the do-good tyrants who want to protect, provide and prevent us from all known and un-known dangers, then civilization as we have enjoyed over the last 200 years of world history is over because we will have become as C.S. Lewis said victims of the most oppressive form of tyranny ever known to mankind.
May God alone protect, provide and prevent us from such a disaster. We know we must do our part to act on our freedom and plan for our future. Please encourage your friends and acquaintances to do the same. Have them download my free e-book, so they have an opportunity to learn about the very best financial concept I know about. An important factor in recovering our individual freedom is that like-minded people learn to manage more money.
by Tomas McFie
Pathetically today, Americans have allowed many bureaucracies, government, and quasi government organizations and political factions too much power to tyrannize millions of human beings in the name of protecting, providing or preventing society from peril, poverty, and disease. And just as tragic, if not even more so, are the millions of people who truly believe that these bureaucracies, government, and quasi government organizations and political factions really do protect, provide and prevent something terrible from happening to them. But most pitiful of all are the millions of others who denounce those who are attempting to expose these tyrants as being unpatriotic, un-American or even enemies.
Hermann Goering the second in command after Hitler himself wrote in this Nuremberg Diary in 1946, that “It’s always a simple matter to drag the people along. All you have to do is to tell them they are being attacked and denounce the pacifist for lack of patriotism and exposing the country to danger. It works the same in any country.”
Today we have tyrants who in collaboration with the fearful demand that government protect us from every possible quarter...including health, wealth, education, any and all physical, emotional or mental adversary known and unknown. But the health of our nation’s populous ranks is nearly at the lowest level of all westernized nations, while the wealth of Americans has been pilfered in order to lend it to foreign nations (many of whom are truly our enemies) or to bail out top executives of banks and major corporations and the bill has been given to the tax payer.
Education itself is no longer an elucidation but rather a thought control schooling process, brainwashing moldable minds into willing subjects to even more and greater tyranny. And those who speak against any of these sacred cows are labeled heretics, unpatriotic or even dangerous to society.
Yes, tyranny is dangerous but when those who are being tyrannized fail to realize that the greatest danger is giving up more self-control to the do-good tyrants who want to protect, provide and prevent us from all known and un-known dangers, then civilization as we have enjoyed over the last 200 years of world history is over because we will have become as C.S. Lewis said victims of the most oppressive form of tyranny ever known to mankind.
May God alone protect, provide and prevent us from such a disaster. We know we must do our part to act on our freedom and plan for our future. Please encourage your friends and acquaintances to do the same. Have them download my free e-book, so they have an opportunity to learn about the very best financial concept I know about. An important factor in recovering our individual freedom is that like-minded people learn to manage more money.
by Tomas McFie
Wednesday, February 8, 2012
Anything Less is... Less
This past Sunday I got to live out a dream I had as a college student...I attended the Super Bowl game in Indianapolis. And although I haven’t followed the game for nearly 20 plus years (since the 49ers were in their prime with Joe Montana and the boys) I really enjoyed seeing the skill that was demonstrated on the field.
I watched in total awe as Mario Manningham warmed up with his coach prior to the game. It was incredible to see his hands and their ability to grab the ball thrown at him even when it just barely touched his fingertips. I couldn’t help think of the years of practice that developed his skill.
As the noise of the crowd became so intense that I couldn’t even hear Michele who was sitting right next to me, I couldn’t help but wonder how the men on the field could hear the snap or concentrate on what they were there to do. What focus and discipline!
And then the missed catch by Wes Welker! What a heart breaker for him and his team mates. So close and then one little oops and there goes a life time opportunity down the drain.
You know winning football games is a lot like building wealth. There are opportunities that come by once in a life time and you have to be prepared to catch them because they rarely come by twice. In order to be prepared to catch those “tip-of-the-finger” passes (financial opportunities) it helps to have a good coach and a winning team to work with. Learning all that there is to learn now so that when the ball (opportunity) does come along your way you’ll be prepared to catch that pass and still come down inside the playing field. Think about it, “Who really wants to build wealth only to leave it to someone else to manage and spend?” Isn’t it a lot more fun and exciting to build wealth AND be able to use it to help others while you are still around and in play to see them enjoying it too? Then when you are gone (out-of-bounds) they’ll still have plenty of wealth to continue making other people’s lives happy too.
But far too many folks today get caught up in the noise of the crowd. All that does is simply destroy their ability to concentrate on what is important at hand. Fact is far too many never even hear the snap of the ball and so they live their lives completely out of the play at hand.
It doesn’t have to be that way. With a good coach and self-discipline you can win the financial Super Bowl of your life beginning today. All you need to do is desire it. Plan on winning and associate with those who will help you “Get Your Game On.”
Life is short and there are a lot of people that you can make happier if you learn to build wealth instead of following the whims of the market or chasing after risking investments or trusting others with your hard earned talents. Having a good coach and a winning team that can help you take your financial game plan to the next level is critical to winning the financial Super Bowl of your life. Anything less is... less.
Tomas McFie
I watched in total awe as Mario Manningham warmed up with his coach prior to the game. It was incredible to see his hands and their ability to grab the ball thrown at him even when it just barely touched his fingertips. I couldn’t help think of the years of practice that developed his skill.
As the noise of the crowd became so intense that I couldn’t even hear Michele who was sitting right next to me, I couldn’t help but wonder how the men on the field could hear the snap or concentrate on what they were there to do. What focus and discipline!
And then the missed catch by Wes Welker! What a heart breaker for him and his team mates. So close and then one little oops and there goes a life time opportunity down the drain.
You know winning football games is a lot like building wealth. There are opportunities that come by once in a life time and you have to be prepared to catch them because they rarely come by twice. In order to be prepared to catch those “tip-of-the-finger” passes (financial opportunities) it helps to have a good coach and a winning team to work with. Learning all that there is to learn now so that when the ball (opportunity) does come along your way you’ll be prepared to catch that pass and still come down inside the playing field. Think about it, “Who really wants to build wealth only to leave it to someone else to manage and spend?” Isn’t it a lot more fun and exciting to build wealth AND be able to use it to help others while you are still around and in play to see them enjoying it too? Then when you are gone (out-of-bounds) they’ll still have plenty of wealth to continue making other people’s lives happy too.
But far too many folks today get caught up in the noise of the crowd. All that does is simply destroy their ability to concentrate on what is important at hand. Fact is far too many never even hear the snap of the ball and so they live their lives completely out of the play at hand.
It doesn’t have to be that way. With a good coach and self-discipline you can win the financial Super Bowl of your life beginning today. All you need to do is desire it. Plan on winning and associate with those who will help you “Get Your Game On.”
Life is short and there are a lot of people that you can make happier if you learn to build wealth instead of following the whims of the market or chasing after risking investments or trusting others with your hard earned talents. Having a good coach and a winning team that can help you take your financial game plan to the next level is critical to winning the financial Super Bowl of your life. Anything less is... less.
Tomas McFie
Wednesday, February 1, 2012
Why?
Why is it that so many people do things with money that they would laugh about doing with the things that money buys? For example, why do people lock their hard earned cash away in a qualified plan, where they cannot touch it without penalties until the later years in their life? Just try asking one of these people if they have freezers full of food for retirement as well, and they would probably laugh in your face and wonder what kind of an idiot you are. Why is it that people act this way? Let’s follow the money trail and see if we can find a solution.
First, there is the person that sold them the qualified plan and made a nice slice of cash by doing so, and continues to earn a slice for management whether or not the plan provides any advantage to the owner. Then there is the government that offers the plan as an exception to their tax rules, as R. Nelson Nash author of Becoming Your Own Banker says, “This sounds like appointing the fox to guard the chicken house.” Why would the government offer such a plan? Could it be that by deceiving the public into believing that tax deferral is more important than liquidity, they would be able to harvest more abundantly if people were to allow them free use of their very own money until late in their lives? This seems to be the answer to the question after preforming the math and witnessing the results of so many qualified plans.
As Ralph Waldo Emerson said, “The truth is beautiful without doubt, but so are lies.” Because they got this lie dressed up so prettily, they were able to dissuade many people to do something which is the opposite of life and growth, namely let what they have stagnate instead of move. If we liken money to water for a moment, we can see that the water in rivers moves, and rivers team with life; water in the ocean moves with the tide and the wind, and the oceans team with life. How much different are these bodies of water from the Dead Sea which takes all it’s given and lets it stagnate in one pool? How much life can you find there? Money is like this too, if you make money flow it will grow, let it stagnate and it will stink! When people lock their money away, where they cannot touch it, it no longer does them any good but rather works for those who control the plan whatever it may be. You see, money works willingly for those who put it to work but it does nothing for those that stash it away and don’t allow it to do any good.
It can be hard sometimes to discern the difference between a deceitful whim, and a solid simple truth because like John Watt said, “A lie can run around the world before the truth can get its boots on.” But, after all, we are made in the image of God our creator, and we should follow His example and be creative with the things He has given us to take care of. Just like He Himself was creative and does good and great things.
When people take self-responsibility for the things which they have been entrusted with and manage them to the best of their ability, suddenly the world becomes a better place. That is why every day is such a good day here at Life Benefit$...we get to work with people that understand the truth and have made the choice to be accountable for the things with which God has entrusted them with. Because these people own this truth and because the truth sets people free, these people are some of the most exciting people on planet earth.
Remember the importance of a coach. A good coach is more than just a financial planner who wants to make management fees off of you. Think about it. If you were to compete in the Olympics you would desire to have a coach who would be intent on your success? The same holds true if you are planning on doing anything serious with your money. Do you want a coach that will help you become more effective? Or just mediocre?
That is where “Your Wealth Team” at Life Benefit$ comes in. If you want to take control your money and teach it to work for you instead of letting others control it and make all the profit, then read Prescription For Wealth. Once you’ve read this little book you are ready for your complimentary appointment with one of your wealth coaches here at Life Benefit$. We are here to help people like you who want to help themselves.
Ben McFie
First, there is the person that sold them the qualified plan and made a nice slice of cash by doing so, and continues to earn a slice for management whether or not the plan provides any advantage to the owner. Then there is the government that offers the plan as an exception to their tax rules, as R. Nelson Nash author of Becoming Your Own Banker says, “This sounds like appointing the fox to guard the chicken house.” Why would the government offer such a plan? Could it be that by deceiving the public into believing that tax deferral is more important than liquidity, they would be able to harvest more abundantly if people were to allow them free use of their very own money until late in their lives? This seems to be the answer to the question after preforming the math and witnessing the results of so many qualified plans.
As Ralph Waldo Emerson said, “The truth is beautiful without doubt, but so are lies.” Because they got this lie dressed up so prettily, they were able to dissuade many people to do something which is the opposite of life and growth, namely let what they have stagnate instead of move. If we liken money to water for a moment, we can see that the water in rivers moves, and rivers team with life; water in the ocean moves with the tide and the wind, and the oceans team with life. How much different are these bodies of water from the Dead Sea which takes all it’s given and lets it stagnate in one pool? How much life can you find there? Money is like this too, if you make money flow it will grow, let it stagnate and it will stink! When people lock their money away, where they cannot touch it, it no longer does them any good but rather works for those who control the plan whatever it may be. You see, money works willingly for those who put it to work but it does nothing for those that stash it away and don’t allow it to do any good.
It can be hard sometimes to discern the difference between a deceitful whim, and a solid simple truth because like John Watt said, “A lie can run around the world before the truth can get its boots on.” But, after all, we are made in the image of God our creator, and we should follow His example and be creative with the things He has given us to take care of. Just like He Himself was creative and does good and great things.
When people take self-responsibility for the things which they have been entrusted with and manage them to the best of their ability, suddenly the world becomes a better place. That is why every day is such a good day here at Life Benefit$...we get to work with people that understand the truth and have made the choice to be accountable for the things with which God has entrusted them with. Because these people own this truth and because the truth sets people free, these people are some of the most exciting people on planet earth.
Remember the importance of a coach. A good coach is more than just a financial planner who wants to make management fees off of you. Think about it. If you were to compete in the Olympics you would desire to have a coach who would be intent on your success? The same holds true if you are planning on doing anything serious with your money. Do you want a coach that will help you become more effective? Or just mediocre?
That is where “Your Wealth Team” at Life Benefit$ comes in. If you want to take control your money and teach it to work for you instead of letting others control it and make all the profit, then read Prescription For Wealth. Once you’ve read this little book you are ready for your complimentary appointment with one of your wealth coaches here at Life Benefit$. We are here to help people like you who want to help themselves.
Ben McFie
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