It doesn’t take long while watching TV or listening to the radio to hear a commercial encouraging people to contact any number of companies that will help you access the money of your life insurance before you die. In one commercial a senior couple relates how they purchased life insurance when they were younger to […]
There once was a time that it made sense for the business owner to use what is called a Sweep Account. One primary account was set up by the business as a checking account where money flowed in and out to pay for goods and services, payroll, insurance and all other cost associated with doing […]
Can you say college loans? Can you afford a college loan? These are questions that are plaguing young Americans who are just coming out of college and are preparing to go to college. A recent article titled the stunning truth about how students are spending loan cash is very sobering. Over the last 15 years […]
I became involved in the financial services industry in the late 1980s while working full time in the public school system as a teacher. Although I knew that whole life insurance had a cash value and that the cash value could be borrowed against, it was not until 2006 that I saw the power and […]
By Craig Floyd It seems like life has a nasty way of turning out different than we expected it to. I little lesson I learned this week might illustrate what I’m trying to say. A piece of equipment that we depend on 365 days a year in our little raspberry farm is a walk-in […]
By J. Floyd Retirement in my early working years seemed to be only a dream away. I didn’t even want to ever be old enough to retire. I was so busy raising my children and working that the idea of never working again and having money to pay my bills was out of reach for […]
By J. Floyd This summer while on a short trip with some close friends, I had a flat tire. Somewhere along the road I picked up a four inch lag bolt. Since my car was parked in a scenic area, some people in the adjacent car waited until I returned to my car to […]
By Craig Floyd Recently I have been reminded that owning a home can really be a money pit. Not that I don’t enjoy the comforts of owning my home, but when the appliances break down, carpets need cleaning or replacing and the outside needs repainting with landscaping problems, I wonder how much longer I can […]
by Craig Floyd I had a question posed the other day that I have thought a lot about. “What have been your moments of pure joy in your life?” Pure joy, not the fleeting moments of happiness, but real joy that you probably have forgotten about or discounted because they seemed silly. I have […]
By Craig Floyd Since it is Memorial Day soon, I just have to say “Thank you” to the thousands of Americans who have died or placed themselves in harm’s way defending my freedom. To those men and women and their courageous families, I honor you and am humbled by your sacrifice. On several occasions I […]
