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INTELLIGENT INVESTING

by Stephen R. Renfrow

Talk at the "cooler" about investing, is usually around Stocks.
Although I make money in Commodities, there is a "safe" way -
that banks and investment houses use, but they won't tell You!

How about a product that returns 12 - 42%, is 100% insured and
backed by the assets of the wealthiest institutions on the planet.
Your banker takes your "CD" money and invests in this vehicle.
Now you can turn the tables with this special insurance contract.

Earn ROR equivalent to, or exceeding, the equity markets!
Without any market risk or risk to principal - Guaranteed!!!

Its called a Viatical Settlement - and here is how it works.

Viatical Settlement - the sale of a life insurance policy at a
discounted rate to a group of investors by a person who is in
the advanced stages of a terminal illness.

The Investors hold the policy and receive the full face value of
the policy at maturity. A win-win situation. The "viator" is able
to enjoy the cash proceeds of his policy while still alive, and
the investor receives substantial returns that have been g'teed
by a major life insurance co. as well as the state's g'tee fund.
This means it's safer than a bank CD for amounts over $100,000.

Imagine ... NO exposure to downside risk! So instead of 4.75%
return on a CD you can receive 3 times as much, with no risk to
your principal or earnings on that principle. They are so safe
they qualify for placement in IRA, 401K, and Keogh private plans.

Maturities are available from 12 - 36 months, and are taxed as
capital gains when they mature.

CAVEAT: Do Not use "contestable" or policies that offer to buy
back annually or at maturity. They are more likely unregistered
securities. Ask only for one who represents a viatical settlement
provider who is licensed, bonded, insured. Make sure the policies
are "traditional, conforming, non-contestable" viatical
settlements.

Isn't it time you join the professionals? Your Banker won't tell
you! Nor your Insurance Broker or Attorney! Not even your Fund or
Trust Manager! For more info on Viatical Settlements and reputable
firms, please visit this page;

http://www.quackwatch.com/02ConsumerProtection/viatical.html


About the Author

Stephen R. Renfrow, a Freelance Writer from Florida
is also Director of Consolidated Investors Group and
creator of the HOME BIZ NETWORK http://www.homebiznet.nu



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Retirement Income Investing - Google News
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Obama?s Tax-Plan Disaster - National Review Online
15 Oct 2008 at 9:56am

Boston Globe

Obama?s Tax-Plan Disaster
National Review Online, NY - 15 hours ago
Third, Obama?s plan to raise taxes on dividends will negatively impact business investment, the retirement incom...



Investing in retirement is essential, says MetLife - FT Adviser
15 Oct 2008 at 8:21pm

Investing in retirement is essential, says MetLife
FT Adviser, UK - 4 hours ago
Insurance giant MetLife believes that despite recent financial turmoil there are still increasing benefits in in...



Steps you can take to cope - Detroit Free Press
15 Oct 2008 at 3:09am

Steps you can take to cope
Detroit Free Press, United States - 21 hours ago
Several sources can contribute to your retirement income. Those include Social Security, private savings and a compa...



Statement by Jane Mancini, CEO, I-Pension LLC: Universal Wealth ... - MarketW...
15 Oct 2008 at 11:15pm

Statement by Jane Mancini, CEO, I-Pension LLC: Universal Wealth ...
MarketWatch - 1 hour ago
According to the GAO's 2007-2012 Strategic Plan, "Providing retirement income security in the U...



ECB Bancorp, Inc. Reports 2008 Third Quarter Financial Results - MarketWatch
15 Oct 2008 at 12:57pm

ECB Bancorp, Inc. Reports 2008 Third Quarter Financial Results
MarketWatch - 12 hours ago
For the three months ended September 30, 2008, net income was $1009000 or $0.35 per diluted share which co...



Retirement hopes fading away for many - Houston Chronicle
15 Oct 2008 at 1:34am

Retirement hopes fading away for many
Houston Chronicle, United States - 23 hours ago
They panicked, said Wendy Clarke-Levy, vice president of human resources for Hartman Income REIT. While Cl...



Retirement planning, Pinoy-style - Inquirer.net
15 Oct 2008 at 9:25pm

Retirement planning, Pinoy-style
Inquirer.net, Philippines - 3 hours ago
Average income was also diverse, ranging from minimum wage earners to millionaires. Most of the respondents preferred t...



Weather the storm - Sydney Morning Herald
15 Oct 2008 at 1:25am

Sydney Morning Herald

Weather the storm
Sydney Morning Herald, Australia - 23 hours ago
That differential provides a buffer and makes it easy to capture the full benefit of capital appreciation...




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Dialing back on a 401(k)
15 Oct 2008 at 5:00pm
Dialing back on a 401(k) By Walter Updegrave, Money Magazine senior editor October 13, 2008 4:56 pm Question: I am currently contributing 15% of my salary to my 401(k). With the current crisis taki...


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Democrats Propose Socializing 401(k) Plans By Eliminating Investment Tax Breaks
15 Oct 2008 at 1:35pm
How could we have missed this? House Education and Labor Committee Chairman George Miller, D-Calif., and Rep. Jim McDermott, D-Wash., chairman of the House Ways and Means Committee's Subcommittee on I...


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National policy "akin to communism"
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So says a man who should know ? Dr Michael Cullen according to Stuff.He was commenting on the absurd policy announcement by John Key that National would direct the New Zealand Superannuation Fund ? th...


Reviewing My Finances and Tightening The Bootstraps
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This year has been an interesting year for me with many ups and downs. You can read my archives and probably guess when it was a good month or when it was a bad month. Some months, my income was high ...


Where Would You Be Today If? Some Possible Answers
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Yesterday I asked four simple questions ? all starting with ?Where would you be today if?? The following are very credible answers to those questions. They?re by no means the only credible answers. W...


Review: Ladri di biciclette (1948)
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Labels: 1940s, crime, drama, editorial, family, foreign language, reviews 0 wise comment(s) Two months ago today the financial market was in dire need of help. Financial experts had a good reason...


Investment Scams and How to Avoid Them
14 Oct 2008 at 8:00pm
Investment Scams and How to Avoid Them October 15th, 2008 Most people, especially those new to the investment arena, do not realize there are a number of common scams which are used to victimize i...


NEWS: Investing in our future
14 Oct 2008 at 6:33pm
National Party Leader John Key says a National-led Government will use the resources of the New Zealand Superannuation Fund to help achieve a step change in our infrastructure and drive greater produc...