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      As one of his first major acts as acting director of the US Environmental Protection Agency, Andrew Wheeler signed and finalized new standards overseeing coal ash, the leftover waste created by power plants that burn coal. The new rules are a revision of 2015 regulations that were put into place by the Obama administration after two significant industrial co […]
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      Death rates from liver cancer increased 43% for American adults from 2000 to 2016, according to a report released Tuesday by the US Centers for Disease Control and Prevention's National Center for Health Statistics. The increase comes even as mortality for all cancers combined has declined.
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Why Life Insurance?

  1. Buys Time. Allows loved ones to focus on their grief by helping to pay for the funeral and other final expenses.
  2. Provides a fresh start. Lets loved ones start with  a clean slate by helping to pay off credit cards, outstanding loans and even the mortgage.
  3. Generated Income. Helps replace lost income for years to come so that the surviving family members can continue to pay for life’s necessities.
  4. Offers Flexibility. Gives a surviving spouse the chance to take time off form work or to switch to a job that offer a more flexible work schedule.
  5. Fund the future. Offers a way to fund longer-range goals like a college education for the kids or a secure retirement for a surviving spouse.
  6. Creates opportunities. Can provide funding to start a business(How do you think Walt Disney started Disney Land?), or pay for school so surviving family members can train for a new career.
  7. Leaves a legacy. Gives parents the chance to leave future generations with the legacy of the long-term financial security.

Morning Bell: Stop the Health Care Bailout Before it Starts

Morning Bell: Stop the Health Care Bailout Before it Starts

The last time Congress debated fundamental health care reform, America’s health insurance industry fought against more government control of your health care, most famously with the “Harry and Louise” ad depicting a typical middle class family in despair. This time around, however, the health insurance industry is supporting more government control of your health care. Why? Because key reformers are offering to use government coercion to force fifty million Americans to become new health insurance customers. What industry wouldn’t want the government to create 50 million new customers overnight?

In his primary challenge with then-Senator Hillary Clinton, then-Senator Barack Obama said he was against government mandates that would force individuals to buy health insurance. Now that he is in power, President Obama is much more open to the idea. Before he departed for the Middle East and Europe last week, President Obama sent a letter to Congress explaining he would support mandates if they enabled him to also establish a government-run health insurance plan. We’ve covered the dangers of a public health insurance plan before, so we’ll turn to a study written by one of Obama’s own nominees, HHS Assistant Secretary of Planning and Evaluation Dr. Sherry Glied, to detail why individual mandates would be terrible public policy:

  • High Costs: “Funds diverted from uncompensated care would not be sufficient to pay for the subsidies needed to cover most uninsured people. Eliminating the free-rider problem through universal insurance might make the health care system more fair, but it wouldn’t make it less costly.”
  • A New Tax: “The mandate is in many respects analogous to a tax. It requires people to make payments for something whether they want it or not.”
  • Special Interest Bonanza: “The relative invisibility of the mandate ’tax’ may make it easier for special interests to achieve their goals. The mandate, then, would become a means through which special interests use government to force transfers of funds from consumers to the health care sector.”
  • Unprecedented Intrusion: “Like taxes, a mandate requires enforcement if it is to be effective. …Developing a system to promptly identify and penalize scofflaws will take effort and ingenuity, particularly in our diverse and mobile country. It may require a degree of intrusiveness and bureaucracy that some will find unpalatable.”

Why Infinite Banking

The Infinite Banking Concept, as conceptualized by R. Nelson Nash, forces you to ask these straight forward questions:

• Have you ever considered how much of your money is being spent on interest and taxes?
• What is more important, the interest rate, or the volume of interest you are paying?
• What if you could recapture the interest that is being paid to others?
• Would your life be different?
• Would you have to work as hard?
• Would you have less stress?
• Would you have more time?
• Would you enjoy life more?
• Could you retire earlier?
• Would both your future and that of your family look brighter?
At JTS Financial, INC. we teach you to recover the money that you are paying to banks and finance companies by utilizing dividend paying whole life insurance. By focusing on creating “your own bank”, we share the tax savings strategies that help you take more control over your finances, by becoming “your own banker”. Whether you are simply looking to increase income protection for your family, finance college education, save for retirement, or self fund your business expansion, the Infinite Banking Concept can create the blue print for allowing these goals to become reality, through careful planning and execution.

Tax Incentives for First-Time Home Buyers – Reminder

Tax Incentives for First-Time Home Buyers

The economic challenges of 2008/2009 have resulted in Congress giving incentives for those people who’d like to purchase their first home, but who may need some finan­cial assistance. To that end, in 2008, Congress passed an incentive plan which included a new credit.

The new home buyer’s credit of 2008 functioned like an interest-free loan. This measure provided a maximum credit of up to $7,500.00 ($3,750.00 for married filing separately), or 10 percent of the home purchase price for eligible first-time home buyers who purchased residences after April 8, 2008. Taxpayers can claim the credit for 2008 purchases by filing the new Form 5405 with their 2008 tax returns.

The home must be the taxpayer’s main residence, must be located in the United States, and the taxpayer’s adjusted gross income must be below $95,000 ($170,000 for married filing jointly). It is important that taxpayers who bought a home in 2008 and who take advantage of this new credit plan understand that the credit is an interest-free loan that must be paid back over 15 years in 15 equal installment payments beginning the second year after the credit is claimed.

With the new administration, changes have been made to the new stimulus provi­sion for a refundable new home buyer’s credit from the measure of 2008.

Now, the repayment obligation is eliminated for taxpayers who purchased homes after January 1, 2009. The maximum value of the credit has increased to $8,000.00 The new measure removes the prohibition on financing by mortgage revenue bonds, and ex­tends the availability of the credit for homes purchased before December 1st, 2009. The credit would only have to be paid back if, within 36 months of the purchase, the home ceases to be the main residence.

The Fred Factor: How Passion in Your Work and Life Can

The Fred Factor: How Passion in Your Work and Life Can Turn the Ordinary into the Extraordinary

We’ve all encountered people like Fred in our lives – the people whom we interact with that leave us in awe of their work and the experience we just had with them.

In The Fred Factor, bestselling author Mark Sanborn relates the four principles of injecting passion into our work and life through the story of Fred, his Denver postman, and others like him.

No matter where we are in our career, no matter our position in the organization, no matter our current involvement, we can all transform our lives from the ordinary into the extraordinary by bringing fresh energy and creativity to our life and work.

We can make a difference every day, we can become more successful by building strong relationships, we can create real value for others without spending a penny, and we can constantly reinvent ourselves. Mark Sanborn shows us how with his unparalleled ability to explain business truths through simple stories and anecdotes. Discover what the rest of the nation is talking about and learn just what it means to be a Fred.

An excellent book, highly recommend you pick up a copy. Select http://www.half.ebay.com for your best book deals!  Keith


Two Ways to Deleverage an Economy

Two Ways to Deleverage an
by Bill Bonner

The dumb money is fairly easy to spot. It’s the money
that always shows up late to the party, wearing
yesterday’s fashions. It watches TV and thinks the
reality shows show reality…it thinks Ben Bernanke
is a great economist…that the SEC protects investors
from fraud and misrepresentation…and that Tim
Geithner makes sure the economy keeps running

It’s the dumb money that thinks you can correct
a generation-long period of credit growth in 24
months…with less than 10% unemployment…
Stocks have now been in a rally for three months.
The longer this goes on, of course, the dumber money
gets. People come to think the bounce is a permanent
bull market.

Yesterday, not much happened. Stocks held steady.
Oil too. Gold fell $8…closing at $952. And the dollar
rose to $1.39 per euro.
But while the dumb money has its eyes on the stock
market, the smart money is watching the economy.
Unemployment has risen to 9.4 million in the United
States. Experts think the rate of job losses is slowing.
But month after month, more and more people are not
collecting wages. Instead, they’re coming to rely on
handouts from the government. The press reports that
one in every six Americans is now on some form of

To See More Of This Article Pull Up http://www.infinitebanking.org/BankNotes/2009-07.pdf

College Planning

Plan for College

When to Start?

As soon as students enter high school it is time to start planning for college. In fact, studies show that most students decide if they are ‘college material’ while still in middle school. Early awareness is the key. Planning ahead with high school course selection can be critical. Many colleges require specific courses like foreign language or algebra in order to be admitted. Summer programs on college campuses may offer high school students a taste of university life and new academic skills. In Washington, the Running Start program allows students to take college courses while completing high school.


Planning is essential if goals are to be successfully reached. Unfortunately, most people neglect to plan carefully for the one decision that will most effect their career opportunities and lifetime income potential. Planning for college today can be intimidating. Rapid changes in programs, costs and government rules that effect college requirements and resources are complicating the planning process. Provided with the college planning basics, prospective college students and their families can plan for a successful higher education. This planning process is essentially the same for traditional high school and college age students, adults returning to college during their working years and even retirees seeking to start a second career.


Experts often counsel students to study what they love most. Most employers recommend that students get a good basic education, worrying less about specialization and more about fundamental communication and learning skills. On-the-job training covers the more technical aspects of most work environments. For many students, the secret of a successful college experience is to focus on academic strengths and avoid any college major that requires substantial study of subjects that are disliked. The basics cannot be avoided and all colleges require a core of study that includes essential knowledge for program completion. The more a student enjoys what they study, the better they do.


A college degree does not always directly lead to the desired job or career. Planning for career or lifestyle options can help prepare students to take advantage of academic, mentoring and internship opportunities while in college. These opportunities often lead to jobs directly from college. Do some research on prospective employers. Contact the human resource or personnel office at local companies that recruit and hire college graduates in select fields. Ask them about programs and colleges that best prepare students for their company. Ask about starting salaries and benefits. Will this allow you to have a comfortable lifestyle? By identifying prospective career options and employers, students are giving their college efforts a sense of direction.

With proper College Planning, you learn how to maximize your ability to utilize grants and student loans to assist with paying for school. Talk with a College Planner on which assets are used to calculate eligibility and which assets are actually shielded from the application process. Knowing the ins and outs of College Planning, can save your family literally THOUSANDS of Dollars!!

Compliments of the College Planning Network