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Things to Consider or help round out your Final Plans

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Post by Cabo Fri Jan 20, 2012 4:47 pm

I posted this last year, and I just wanted to bring it forward again for people whom may have not seen this. For those that did, please bear with me..

Things to consider with your new found wealth. Some items you will use, others may not be for you. Do what you feel comfortable with, as I am just trying to help you round out your plan… 

1) Do your due diligence, Choose your bank (s) carefully, and set up CDARS (Certificates of Deposit Account Registry Service) accounts and all accounts should be POD (Paid on Death) accounts. Do not deal with banks that have derivatives and hedge funds. Look for institutions that have a AAA rating. Consider banks that hold multi-currency accounts. For an added level of protection consider insuring your money with lloyd’s of London. Even most brokerage accounts are fully insured.

2) Recognize that your government, both State and Federal are your biggest enemy to securing your wealth, see a CPA, tax accountant and or tax attorney. Contact an attorney / CPA or both that specializes in taxes, trusts, asset protection etc. If you know someone who is wealthy, and I mean really wealthy, ask them. You can also check here http://www.martindaleratings.com/av-preeminent-lawyers.htm Set up your family’s trust(s).

3. A guide: Set aside 15%-20% of your new wealth for your “mad money” and use this amount for your flings into wealth. This is your payoff for your dreams and frustrations. If you spend more than this on new homes, automobiles etc., you are on a well known pattern of blowing it all. Of course this will depend on how much you have invested and how much it RV’s for. This is “just a guide”

4. Invest the remaining 80% -85% [after taxes] in safe high paying interest insured CD's etc. Your in the big leagues now, banks will want your business. They have private bankers and high wealth options for investing. That have proven track record. Again, do your due diligence here…And don’t forget, you can look out side the US for good rates, Panama is paying up to 7% on large CD'S. Dubai is paying up to 10% on the same amounts, Check Cyprus as they have been in the 10% bracket also. Pay the interest to a debit account, spend and live on the interest with a Debit card. These monies can be split up in multicurrency account to help keep depreciating currencies from taking your earned monies. Depending on how much Dinar you have to cash in, there could be a lot of interest; to be almost as exorbitant as you like, living the life so to speak. A 10M savings here or off shore could bring you interest of $700,000 to more than 1M a year in income. I am sure you could survive on that …lol Always do your due diligence and seek professional help to setting these up.

5. Get an unlisted telephone number. for your home, with caller ID. For a private home phone, use a company name or your Trust when setting up a new phone account, rather than your own.

6. Keep things low key and quiet as you don't want long lost friends and family members bothering you. Some will eventually find out, but you need time to put your plan into action.

7. Remember #2, everything you buy will be taxed yearly either in Real estate taxes, sales taxes and or personal property/ luxury taxes, and if you live in one of the States with State Income taxes, you will pay the State on all interest earned and not to mention on the principal amount when it is received initially. Think about this statement.... Maybe move to a State that has the lesser of the applicable taxes or no state taxes at all. All States are creating new taxes daily to preserve their bloated Beauracracies under the guise of service. Check with the professionals on this, but most states have guidelines on how long you must live there before you can take advantage of of the lower taxable income/ no state taxes.

8. Pay off ALL debt.

9. Fix everything that needs repair.

10. Upgrade your insurance; medical, personal/ life, home, auto and really consider getting umbrella insurance it’s cheap enough.

11. Stock up provisions, necessities, medical and survival items to get you and your family through any type of emergency. Get enough for 8-12 months. You will have the money. Hopefully you won’t need it, but you will be thankful if you/ family/ friends do...

12. Set aside enough liquid funds for you to survive for 8 months to 2 years. What ever you feel comfortable with.

13. Invest in precious metals (gold & silver). Do your due diligence here. Everybody has their own preferences, do what you feel comfortable with. Make sure you have access, but it is secured. Never tell anybody, except maybe your spouse how much you have and where it is kept. No exceptions…nuff said This is why I mention having two safes below item #21-G One hidden, one obscure.

14. Attend seminars to learn to make money through GOOD investments, not schemes .

Learn about your investments, understand them, watch them like a hawk. As a good steward, it is your responsibility and no one else’s…

15. PAY YOUR TAXES!

16. Pay your tithe

17. Pick your friends judiciously.

18. Contribute to Charity on a fixed rate yearly; do not over contribute as they ( most of them ) spend money like drunken sailors as they contribute increasingly lower subsidies to the needy. This should be done through your corporation/ trust for benefits and anonymity. This is another area that should be discussed and planned with your tax/ CPA professionals.

19. Change your lifestyle to a calmer existence; find peace and harmony with yourself. Find a compatible travel mate if you are single, travel the world into safe places and educate yourself to their way of life, as it helps you understand how they think, rationalize and perceive americans. This promotes peace and harmony within you, while hopefully building perspective and insight. Do NOT flaunt your wealth, especially when your are out of country. You can very easily become a victim of crime not to mention a victim of abduction. Consider getting a second citizen passport that will let you travel freely but not as an american citizen. Many law firms can help you with this. It not as expensive as you may think.

20. Someone will be "watching you" so you'll want to do the following:

Be very low key (non-descript) Lower your profile; do not flaunt your new wealth as the tort laws in this country allow Trial Attorneys to target you as a defendant. Trial or Tort lawyers are the only profession that never contribute to society but just create misery so they can take your rewards for your hard work. There are some good books on becoming invisible, buy one and follow as much as you feel comfortable with. Your Trust will help you in these some of these areas. You will want to heed this advise when traveling outside of the united states, you can and will become a target. Do Not become a victim…

21. Think about personal/ family safety.

A) Open up a secure Email address.

B) Get a new cell phone number; cancel the old one. Get a cell phone with two sims cards, one number is for family and close friends, the other for business or ??? To add a further level of phone privacy, purchase a prepaid cell phone – such as those offered by Trac Fone through Blockbuster, WalMart, and Staples. No name, address, credit check, etc. is required to set up an account, and you can buy phone cards for cash to add more time.

C) Get a P.O. Box. Receive all mail personally addressed to you at a nearby mail drop, such as Mail Boxes, Etc. (about $15 a month), or an Executive Office Service ($50 to $150 a month), or at the address of a friend who owns a nearby business (free). Then use this address for your driver's license and car registration. Naturally, your car will also be registered in the name of your corporation/ trust.

D) Put a monitored security system in your house. Install high security locks. Medco and Mul-T locks they are pick, bump and drill resistant. Schlage Primus are good locks too. I believe these locks all have a patented key systems. Only a locksmith can duplicate keys for you and only the people you list, can go in and get a copy done.

E) Install reflective film on your home windows.

F) Consider building a safe room.

G) Install two safes, one hidden and the other obscure.

H) Get training in self-defense / firearms.

I) Use PGP (or better) encryption on your computer and Email.

J) Don't trust anyone ... keep your friends close and your enemies closer.

K) Shred or burn important documents. The U.S. Supreme Court has ruled that it's 100% legal for snoops to rummage through your curbside trash and keep any papers they find. So never throw any important papers in the trash without shredding them – including bank and credit-card statements, utility bills, letters from Social Security or other government agencies, information from your stock broker, etc.
At a minimum, use a cross-cut shredder ($100-$150) which reduces documents to confetti, rather than a less-expensive shredder that cuts paper into strips which can be pasted back together. I will use a level 5 or 6 shredder, because I will have the money and security will be important to me. For ultra-sensitive documents, nothing beats burning them.

L) Isolate sensitive computer files from snoops. As we use our computers more and more to keep sensitive records and correspondence, it becomes more important to protect them from snoops.
The #1 threat to your sensitive files is your modem, fax, or DSL Internet connection – anything that electronically connects your computer to the outside world. Thanks to cookies, e-mail wiretaps, and other techniques, when you're browsing the web or reading your e-mail, snoops at the other end can download files from your computer hard drive.
The only sure way to protect yourself is by keeping all sensitive information on a different computer (or at least a different hard drive with its own, separate operating system) than the computer you use for web browsing. In other words, you use Computer #1 to browse the web and send e-mail; and you use Computer #2 for word processing, accounting, and storing important information. Computer #1 has no important files or sensitive information. Computer #2 has no electronic connection to the outside world.
To minimize expenses, your two computers can share the same keyboard and monitor, by the addition of a network hub (about $100).

M) Keep your web browsing and e-mail private. Whenever you contact a company or organization on the Internet, the computer at the other end will often insert a "cookie" into your computer – enabling merchants and government agencies to keep track of your web browsing. The information that can be collected about you in this way is absolutely mind-boggling and includes your name, address, phone number, detailed information on the type of computer you are using, your Social Security number, credit-card numbers, a list of your friends and business contacts, and much more.
To keep your web browsing private, use an anonymous connection service, such as Anonymizer (
http://www.anonymizer.com). Another alternative is Hushmail, based in Anguilla, which offers a free e-mail service that allows you to encrypt e-mail using ultra-powerful 1024-bit encryption.
For further protection, encrypt your e-mail, using high-level, 1024-bit encryption software, such as Pretty Good Privacy (PGP). http://
www.pgp.com
Zero Knowledge Systems (ZKS) offers software called "Freedom" which also uses 1024-bit encryption and which:
1) Allows you to use multi-pseudonyms that can't be traced to your real name
2) Prevents the receipt of Internet cookies

3) Provides multi-layers of encryption

N) Keep your medical records more private. Information in your medical files can be used to deny you insurance, jobs, and legal benefits. It could be even used by a government just slightly more authoritarian than the one we now have, to take away your children or commit you to a mental hospital. Unfortunately, each time you see a doctor or check into a hospital or clinic, they will usually demand your Social Security Number, which in turn will be used to file and locate your medical records.
You can protect yourself from unwanted snooping by getting an alternative Medical photo ID from ID Network (IDN). No SSN is required, and medical records are kept in your own handwriting. $9.95. Call
1-888-329-3686 or 314-416-7411, http://www.idnetwork.com

O) To keep your home address private, rent or buy your home in the name of an out-of-state corporation (Delaware and Nevada corporations (NOT LLC.) or trust are the best). Also put your utilities in the name of the corporation/ trust, as well as your phone, and magazine and newspaper subscriptions. This is precisely what TV personalities, professional athletes, and film stars do to protect their privacy. And it's not expensive. A Delaware corporation can be set up for as little as $150 and maintained for $50 a year! Trust will vary in cost
(Just my two cents below)


22. Pray for guidance but please do not turn into zealot, as this can override your mindset to a point you will not recognize happiness when you see it. Everything in moderation, be truly happy for you are blessed. Be a friendly person not someone who is critical of others lifestyles and their views on faith. Recognize everyone is born free and with their own opinion.



23. Make sure to personally change at least one persons life for the better, pay it forward… Personally, I will pick 5 people and change their lives forever….I am hoping they will do the same. Whether they do or don't, makes no never mind to me. I will know in my heart, and God sees everything. Maybe one by one, we will help to rebuild this great country again.








Last edited by Cabo on Sat Jan 21, 2012 2:44 pm; edited 1 time in total (Reason for editing : Clarification)

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Post by 1alaskan Fri Jan 20, 2012 4:50 pm

This is needed for the new members to know, and for not so new to remember.


Thanks


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Yesterday would have been better, but today is a good day

Remember as always, JMHO
Rantings from just north of sixty

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Post by Cabo Fri Jan 20, 2012 4:58 pm

1Alaskan

Thanks, I am just trying to share some knowledge and hard work..

I really want everyone to do well once this "wild" ride is over

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Post by 1alaskan Fri Jan 20, 2012 5:00 pm

I pray all will, I think most will, some won't, Lotto effect it has been called.

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Yesterday would have been better, but today is a good day

Remember as always, JMHO
Rantings from just north of sixty

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Post by Cabo Fri Jan 20, 2012 5:09 pm

And that's why I wanted to bring this forward again...All we can do is try

By the way, Thanks for all that you guys do!

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Post by 1alaskan Fri Jan 20, 2012 5:11 pm

Just like the lotto effect, most make it it easy, some don't,

Again thanks

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Yesterday would have been better, but today is a good day

Remember as always, JMHO
Rantings from just north of sixty

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Post by 7freemom Fri Jan 20, 2012 6:21 pm

Cabo shared: "... set up CDARS accounts and all accounts should be POD accounts ..."

As I'm not familiar with those abbreviations, please clarify for me and perhaps others...

this specific info is so helpful, very much like a checklist...

Thanks and Blessings to all seekers of Truth, Wisdom, Abundance
and all good things from His Hand... Smile
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Post by 1alaskan Fri Jan 20, 2012 6:28 pm

Not sure about POD accounts,

But here is some CDARS information

http://www.cdars.com/aboutus/default.aspx

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Yesterday would have been better, but today is a good day

Remember as always, JMHO
Rantings from just north of sixty

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Post by Kevind53 Fri Jan 20, 2012 6:31 pm

I think POD is Payable On Demand ... but I have been known to make the occasional mistake. bigsmile

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Post by 7freemom Fri Jan 20, 2012 6:39 pm

POD = Payable On Demand
What does that really mean in relation to a bank account and why would we want to specify same? Anyone????
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Post by 7freemom Fri Jan 20, 2012 6:54 pm

Certificate Of Deposit Accounts Registry Service = CDARS, it seems and gives example of $5M investment in CDs protected with split to many institutions... makes sense for those wanting large sum in CDs...

probably not us, as we'd prefer investing in His Kingdom as the rewards on that are out of this world...

But good info to have, nonetheless, for some who may choose that option.
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Post by 1alaskan Fri Jan 20, 2012 7:00 pm

It also splits up the funds so all are covered by FDIC Insurance.

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Remember as always, JMHO
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Post by Cabo Sat Jan 21, 2012 3:02 am

@7freemom wrote:Cabo shared: "... set up CDARS accounts and all accounts should be POD accounts ..."

As I'm not familiar with those abbreviations, please clarify for me and perhaps others...

this specific info is so helpful, very much like a checklist...

Thanks and Blessings to all seekers of Truth, Wisdom, Abundance
and all good things from His Hand... Smile

I"m sorry guys I stepped away for a while..

POD.....is paid on death

POD accounts are created by filling out the proper forms at your bank or credit union. It is a cost-free service that allows for the transfer of all checking and savings accounts, security deposits, savings bonds and other deposit certificates. A POD account is very similar to a transfer-on-death arrangement, but deals with a person's bank assets instead of their stocks, bonds, mutual funds or other assets. Both POD and TOD agreements offer quick means of asset dispersement, as both avoid the probate process, which can take several months.

I hope this helps.....I probably should have went into more detail...my bad....

Any things else?

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Post by Cabo Sat Jan 21, 2012 3:27 am

@7freemom wrote:Certificate Of Deposit Accounts Registry Service = CDARS, it seems and gives example of $5M investment in CDs protected with split to many institutions... makes sense for those wanting large sum in CDs...

probably not us, as we'd prefer investing in His Kingdom as the rewards on that are out of this world...

But good info to have, nonetheless, for some who may choose that option.



Cd's (certificates of deposits) can come in all amounts.. and mature dates. You set/ agree on mature dates and amounts. These are insured monies by the banks...The high wealth departments will advise you..Again, do your due diligence....

I am just trying to tell you there are many options out there to get some decent returns that are protected,,,

Depends what instutions/ organization you go with...Again, please seek professional guidence. There are many ways to protect your monies and still make a decent return on your monies. There are so many.....

Just do your due diligence and do what is comfortable to you...

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Post by pgo Sat Jan 21, 2012 8:56 am

Cabo, Thanks for putting this out for us again. Provides us with much to consider and help us PRV...

PS. Have always loved your avatar...is it real or an artistic rendering?
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Post by Ponee Sat Jan 21, 2012 9:13 am

Great post. Thanks for bringing it forward.

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Post by bobd Sat Jan 21, 2012 10:05 am

THANKS FOR THE REPOST. NEVER SAW IT .

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Post by rocklady Sat Jan 21, 2012 11:09 am

Great post Cabo!!! I am doing my homework on alot of this today and this was really helpful!!!!!!!!!!!!!!Things to Consider or help round out your Final Plans 1261280965
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Post by Guest Sat Jan 21, 2012 11:32 am

Things to think about...

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Post by Cardiac99 Sat Jan 21, 2012 1:17 pm

Thanks to all that contributed this and TO this. I remember seeing it awhile back, but it was good to be able to review it.
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Post by Cabo Sat Jan 21, 2012 2:32 pm

@pgo wrote:Cabo, Thanks for putting this out for us again. Provides us with much to consider and help us PRV...

PS. Have always loved your avatar...is it real or an artistic rendering?

PGO- These are some partically submerged caves in Mexico and thanks!

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Post by Cabo Sat Jan 21, 2012 2:38 pm

You all are very welcome...Again, just trying to do some community service..

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Post by Guest Sun Jan 22, 2012 11:18 pm

Great advice overall.

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Post by 7freemom Sun Jan 22, 2012 11:46 pm

Thanks to ALL here for your contributions; you are each so precious....

Great com-unity Very Happy

Blessings to ALL...
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Post by Azure Mon Jan 23, 2012 1:45 am

would not these be a probate issue if you are not in a trust?
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Post by KAI Mon Jan 23, 2012 1:50 am

Thank you, very helpful information!

bigsmile
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Post by Cabo Mon Jan 23, 2012 2:22 pm

Azure,

I am unsure what you are talking about?

Everthing is a issue if you are in probate, without a trust.

But even with a trust, if your accounts are not set up POD you will have issues.

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Post by Guest Sun Feb 19, 2012 6:30 am

Some of this is very smart advice.

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Post by Ponee Sun Feb 19, 2012 7:43 am

Brought from archives

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Post by MiddleClassMaiden Sun Feb 19, 2012 9:14 am

@Kevind53 wrote:I think POD is Payable On Demand ... but I have been known to make the occasional mistake. bigsmile
THANKS - good words KevingD53! NO MISTAKE, my friend!

"What Does it Mean if a Bank Account Says POD?
A bank account that says POD, or payable on delivery, means that the money will automatically transfer to another in the case of death. Learn what POD means from an estate planning and probate lawyer in this free video on estate law.
source: | eHow.com http://www.ehow.com/video_4961631_what-does-mean-bank-account.html#ixzz1mpwjLsGX

NOTE: This information is not exhaustive nor is it to be considered as financial, legal or professional advice... use it like "Eatin' CATFISH... Swallow the MEAT... and SPIT OUT the BONES!"

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Things to Consider or help round out your Final Plans Empty Re: Things to Consider or help round out your Final Plans

Post by jabberwockey Sun Feb 19, 2012 11:00 am

@MiddleClassMaiden wrote:
@Kevind53 wrote:I think POD is Payable On Demand ... but I have been known to make the occasional mistake. bigsmile
THANKS - good words KevingD53! NO MISTAKE, my friend!

"What Does it Mean if a Bank Account Says POD?
A bank account that says POD, or payable on delivery, means that the money will automatically transfer to another in the case of death. Learn what POD means from an estate planning and probate lawyer in this free video on estate law.
source: | eHow.com http://www.ehow.com/video_4961631_what-does-mean-bank-account.html#ixzz1mpwjLsGX

NOTE: This information is not exhaustive nor is it to be considered as financial, legal or professional advice... use it like "Eatin' CATFISH... Swallow the MEAT... and SPIT OUT the BONES!"

MiddleClassMaiden :flower: threadsneaker Ilikeyou

Actually, POD means Payable on Death, not Payable on Delivery.
Every bank account I have has a POD of my daughter on it... it's a good thing to do for any account.
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Post by Cabo Sun Feb 19, 2012 12:11 pm

Jabberwockey,

You are correct..! It is payable on death..And all of my accounts are set up that way too..

For those that are not familiar, you really should take the time and learn more. There are many advantages..

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Post by pygmalyn Sun Feb 19, 2012 2:55 pm

@Cabo wrote: Look for institutions that have a AAA rating.

Cabo... I was searching the Weiss Ratings at http://www.thestreet.com/bank-safety/
... and Wells Fargo, Chase, BOA... the banks we've been told will have 'packages' and such ... are all C- and D ratings...

What do you make of that?

Also, very few banks have an A rating... Weiss doesn't do AAA... so I don't know what rating system you are using for that AAA you are talking about.
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Post by Kevind53 Sun Feb 19, 2012 3:58 pm

@jabberwockey wrote:
@MiddleClassMaiden wrote:
@Kevind53 wrote:I think POD is Payable On Demand ... but I have been known to make the occasional mistake. Things to Consider or help round out your Final Plans 949729897
THANKS - good words KevingD53! NO MISTAKE, my friend!

"What Does it Mean if a Bank Account Says POD?A bank account that says POD, or payable on delivery, means that the money will automatically transfer to another in the case of death. Learn what POD means from an estate planning and probate lawyer in this free video on estate law.
source: | eHow.com http://www.ehow.com/video_4961631_what-does-mean-bank-account.html#ixzz1mpwjLsGX

NOTE: This information is not exhaustive nor is it to be considered as financial, legal or professional advice... use it like "Eatin' CATFISH... Swallow the MEAT... and SPIT OUT the BONES!"

MiddleClassMaiden :flower: Things to Consider or help round out your Final Plans 174797362 Things to Consider or help round out your Final Plans 1261280965

Actually, POD means Payable on Death, not Payable on Delivery.
Every bank account I have has a POD of my daughter on it... it's a good thing to do for any account.

Yea, you are right, my brain said death, my fingers said demand. All I can think of is my tongue must have gotten over my eye tooth so I couldn't see what I was saying ... actually had a couple of POD accounts in my name when my mother passed away. Embarassed

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"Rejoice always, pray without ceasing, in everything give thanks; for this is the will of God in Christ Jesus for you."1 Thessalonians 5:14–18

 Things to Consider or help round out your Final Plans 2805820865  Things to Consider or help round out your Final Plans 2805820865  Things to Consider or help round out your Final Plans 2805820865  Things to Consider or help round out your Final Plans 2805820865
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Post by Cabo Sun Feb 19, 2012 8:37 pm

pygmalyn



There are a few good ones out there..My suggestion, is check two or three sources, also check the FDIC website site.

I use standard and poor, moodys' and Bauer financial. They seem to be middle of the road...or what many others in the industry use.

I can provide links if you need....

Sorry for taken so long to get back to you...If you have anymore questions please feel free to ask. I will do my best to get you the best info that I or others have already sought out.


Last edited by Cabo on Sun Feb 19, 2012 9:43 pm; edited 1 time in total (Reason for editing : spelling error)

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Post by Cabo Fri Feb 24, 2012 2:44 pm

Wow,

It looks like many people have browed the info I provided.

I hope this helps many people oe at the very least gives them ideas to follow up on..

Good Luck all

Go RV

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Post by ADMIN Sun Mar 11, 2012 1:09 am

bounce

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Post by az-tex Sun Mar 11, 2012 8:12 am

GREAT info...

Especially getting "help and guidance" from CPA's, Tax attorneys, and
others. I have a friend who is very wealthy and I intend to ask him for
his advice on investment "brokers" who don't work on commission, but on
the total value of your holdings with them. That way they have a vested interest in making you money...

The one bit of advice that Cabo gave I hope that NO one ignores is number 16...

Pay your tithe to the Lord, off the top, NOT the net... Since that may be a huge sum for some, plan on spreading the "wealth" around. I want to give to Promise Keepers, American Family Life, and several others besides my church and missions, both local and state, not to mention national organizations like Disaster Relief, etc. Just make sure that the LION SHARE goes to helping folks, NOT to administrative expenses and HIGH salaries of the folks who run them.

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Post by Blexum Sun Mar 11, 2012 9:20 am

Don't forget to donate to Hal Lindsey. And to me of course.
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Post by Cabo Sun Mar 11, 2012 3:37 pm

@az-tex wrote:GREAT info...

Especially getting "help and guidance" from CPA's, Tax attorneys, and
others. I have a friend who is very wealthy and I intend to ask him for
his advice on investment "brokers" who don't work on commission, but on
the total value of your holdings with them. That way they have a vested interest in making you money...

The one bit of advice that Cabo gave I hope that NO one ignores is number 16...

Pay your tithe to the Lord, off the top, NOT the net... Since that may be a huge sum for some, plan on spreading the "wealth" around. I want to give to Promise Keepers, American Family Life, and several others besides my church and missions, both local and state, not to mention national organizations like Disaster Relief, etc. Just make sure that the LION SHARE goes to helping folks, NOT to administrative expenses and HIGH salaries of the folks who run them.

Az-Tex

Thanks....

I really hope this helps many...

As another member here stated, very well I might add.. Because, the hard cold truth is that 75% of all multi-million dollar lottery winners are broke within 5 years....
If you fail to plan....you plan to fail....please my friends....start planning to succeed today...

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Post by aksafeone Sun Mar 11, 2012 3:49 pm

Good advice.
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Post by Guest Sun Mar 11, 2012 3:54 pm

@Cabo wrote:
@az-tex wrote:GREAT info...

Especially getting "help and guidance" from CPA's, Tax attorneys, and
others. I have a friend who is very wealthy and I intend to ask him for
his advice on investment "brokers" who don't work on commission, but on
the total value of your holdings with them. That way they have a vested interest in making you money...

The one bit of advice that Cabo gave I hope that NO one ignores is number 16...

Pay your tithe to the Lord, off the top, NOT the net... Since that may be a huge sum for some, plan on spreading the "wealth" around. I want to give to Promise Keepers, American Family Life, and several others besides my church and missions, both local and state, not to mention national organizations like Disaster Relief, etc. Just make sure that the LION SHARE goes to helping folks, NOT to administrative expenses and HIGH salaries of the folks who run them.

Az-Tex

Thanks....

I really hope this helps many...

As another member here stated, very well I might add.. Because, the hard cold truth is that 75% of all multi-million dollar lottery winners are broke within 5 years....
If you fail to plan....you plan to fail....please my friends....start planning to succeed today...

Ain't that the truth.

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