{"id":5131,"date":"2008-10-21T20:14:09","date_gmt":"2008-10-22T03:14:09","guid":{"rendered":"http:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/?p=5131"},"modified":"2008-10-21T20:14:09","modified_gmt":"2008-10-22T03:14:09","slug":"the-verdict-is-in","status":"publish","type":"post","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/5131\/the-verdict-is-in\/","title":{"rendered":"The Verdict Is In"},"content":{"rendered":"

Last year on these pages I wrote posts extolling the benefits of EIUL’s. Back then I called them FIUL’s. The common usage for awhile has been the former, which we’ll stick to here. What’s an EIUL? It’s permanent insurance, designed, in essence, to deliver tax free retirement income. Some have called it investment grade insurance. It also has many other benefits, including the ability to pass the entire value of the policy tax free to heirs upon the insured’s death. <\/p>\n

My point in the previous posts was that if folks would just be objective, they’d realize 401k’s are a trap, baited by government with paltry annual tax savings to lure us in. What folks don’t know, I wrote, is that upon retirement, a disciplined saver finds out that in 4-6 years they’ve already paid back 30 years of ‘tax savings’. Such a deal. <\/p>\n

Why would anyone do that on purpose?<\/p>\n

It created a barrage of comments, some seemingly personal, but most disbelieving the information imparted. What’s so ironic, is whenever we guide our clients into these vehicles, it’s at a loss to us. We make not a penny on anything done by the EIUL experts to which we refer our people. <\/p>\n

Then why do we advise many of them to separate some of the real estate investment capital from their pile in order to acquire an EIUL? Simple — it’s the right thing to do. Yesterday I posted what happened to those who refused to believe me<\/a> last year. <\/p>\n

Those who manage their company’s qualified retirement plans? Please, pretty please, at least check into this? If you’d at least done your own objective research, you would’ve discovered I was simply tellin’ you the way it was, and was gonna be. And now, the way it is.<\/strong><\/p>\n

Those who saw the information for what it was, did not get hurt in the stock market crash of the last couple weeks. It’s been significantly hurtful to most, and absolutely devastating to a majority of American taxpayers heavily invested in mutual funds through their 401k’s. <\/p>\n

Those who chose EIUL’s? They not only didn’t lose a penny, Read more<\/a><\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"

Last year on these pages I wrote posts extolling the benefits of EIUL’s. Back then I called them FIUL’s. The common usage for awhile has been the former, which we’ll stick to here. What’s an EIUL? It’s permanent insurance, designed, in essence, to deliver tax free retirement income. Some have called it investment grade insurance. […]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7,8,28],"tags":[],"class_list":{"0":"post-5131","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"hentry","6":"category-enduring-interest","7":"category-investment","8":"category-retirement","10":"no-featured-image"},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":3203,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/3203\/who-should-use-eiuls-401ks-arent-cutting-it-for-most\/","url_meta":{"origin":5131,"position":0},"title":"Who Should Use EIUL’s — 401(k)’s Aren’t Cutting It For Most","author":"Jeff Brown","date":"June 3, 2008","format":false,"excerpt":"Equity Indexed Universal Life is, when simplified, investment grade insurance. It's a tool, a vehicle used by folks to create retirement income. I've written of this before, much to the chagrin of Mr. Swann. I've since put many clients into them using industry experts. Why? 'Cuz it's the right thing\u2026","rel":"","context":"In "Enduring Interest"","block_context":{"text":"Enduring Interest","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/enduring-interest\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1479,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/1479\/401ks-iras-urban-myths\/","url_meta":{"origin":5131,"position":1},"title":"401(k)’s IRA’s & Urban Myths","author":"Jeff Brown","date":"May 29, 2007","format":false,"excerpt":"In a recent post, Retirement -- A New Class Being Created, I predicted a new class of retiree living a life tied to their free and clear home, with little monthly income. It inspired some interesting comments, and a question that is the inspiration for this post. One reader, Eric,\u2026","rel":"","context":"In "Investment"","block_context":{"text":"Investment","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/investment\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1658,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/1658\/keeping-up-with-what-frank-doesnt-know-earth-round-circles-sun\/","url_meta":{"origin":5131,"position":2},"title":"Keeping Up With What Frank Doesn’t Know — Earth Round — Circles Sun","author":"Jeff Brown","date":"July 25, 2007","format":false,"excerpt":"There's a mindset that has always befuddled me. It's origin seems to be grounded in the belief that if I've believed X for years, than something proclaimed to be superior to X just can't be true. Furthermore, the evidence I point to, is how many people agree with my belief\u2026","rel":"","context":"In "Retirement"","block_context":{"text":"Retirement","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/retirement\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1502,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/1502\/point-weak-shout-loud-keeping-up-with-everything-frank-doesnt-know\/","url_meta":{"origin":5131,"position":3},"title":"Point Weak — Shout Loud — Keeping Up With Everything Frank Doesn’t Know","author":"Jeff Brown","date":"June 5, 2007","format":false,"excerpt":"Several days ago I wrote a piece talking about qualified plans, better known as IRA's and 401(k)'s. It was titled 401(k)'s IRA's & Urban Myths, and discussed some of the false beliefs many people have on the subject. It also brought an alternative to the table -- investment grade insurance.\u2026","rel":"","context":"In "Investment"","block_context":{"text":"Investment","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/investment\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":750,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/750\/retirement-lifestyle-3-quick-peeks-into-your-future\/","url_meta":{"origin":5131,"position":4},"title":"Retirement Lifestyle: 3 Quick Peeks Into Your Future","author":"Jeff Brown","date":"December 8, 2006","format":false,"excerpt":"I just got off the phone with a delightful lady, who has been assigned the impossible task of editing my blog. She's now reviewing what I've done so far, and her preliminary opinion is that I'm not inarticulate. I'll await her final call with as little anxiety as possible. She\u2026","rel":"","context":"In "Investment"","block_context":{"text":"Investment","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/investment\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1099,"url":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/1099\/whats-the-biggest-myth-when-it-comes-to-investing-for-your-retirement\/","url_meta":{"origin":5131,"position":5},"title":"What’s The Biggest Myth When It Comes To Investing For Your Retirement?","author":"Jeff Brown","date":"March 2, 2007","format":false,"excerpt":"Though I've written posts on this subject before, sometimes my zeal to spread the word is renewed by contrary opinions. Of course, when it comes to how folks feel about this subject, you find that very little real analysis was used. I think the problem at times is exactly what\u2026","rel":"","context":"In "Investment"","block_context":{"text":"Investment","link":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/category\/investment\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/posts\/5131","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/comments?post=5131"}],"version-history":[{"count":1,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/posts\/5131\/revisions"}],"predecessor-version":[{"id":5136,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/posts\/5131\/revisions\/5136"}],"wp:attachment":[{"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/media?parent=5131"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/categories?post=5131"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bloodhoundrealty.com\/BloodhoundBlog\/wp-json\/wp\/v2\/tags?post=5131"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}