The White Coat Investor


Book Description

Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!




The Hidden Secret to Wealth with Cash Value Life Insurance


Book Description

Discover The Hidden Secret to Wealth with Cash Value Life Insurance With Foolproof Life Insurance Strategies. Dear friend, Everyone knows that life insurance is a great way to protect your loved ones financially if anything ever happens to you. But, did you know that life insurance can also act as an investment and amass you a massive pile of cash? Cash-value life insurance policies provide monetary coverage while you are living, as well as a death benefit that will go to your loved ones after you die. Unlike regular life insurance, the cash value life insurance has a built-in savings component. This cash component gains value, tax-deferred with interest, as the years go by and can be borrowed against or used as collateral, similar to a loan when you need some extra cash. But what if you could go a step further and use the cash value to earn lots of money? Well, with this book in your hands, you can do precisely that. This book contains expert knowledge and proven strategies to use cash value life insurance to maximize benefits. Despite the popular belief, cash value insurance policies are not just for the rich. If you use them correctly, a cash value life insurance plan can become a lucrative savings account that can be used to withdraw funds, attain a loan, or even pay off your very own insurance premiums. And this book will reveal all secrets of how to do that! Here is what this cash value life insurance guide can offer you: All relevant information on cash value life insurance Reasons why to choose cash value life insurance Guide on analyzing which type of life insurance will suit you best Expert strategies on how to make money with cash value If you want to give your loved ones financial protection with life insurance, you don't have to wait for something to happen to you. All you have to do is take this book, follow the guides, and the money will be yours in no time. Scroll up, click on "Buy Now with 1-Click", and Get Your Copy Now!




Bank On Yourself


Book Description

The Wall Street Journal, USA Today, and BusinessWeek bestseller Bank On Yourself: The Life-Changing Secret to Growing and Protecting Your Financial Future reveals the secrets to taking back control of your financial future that Wall Street, banks, and credit card companies don’t want you to know. Can you imagine what it would be like to look forward to opening your account statements because they always have good news and never any ugly surprises? More than 100,000 Americans of all ages, incomes, and backgrounds are already using Bank On Yourself to grow a nest-egg they can predict and count on, even when stocks, real estate, and other investments tumble. You’ll meet some of them and hear their stories of how Bank On Yourself has helped them reach a wide variety of short- and longterm personal and financial goals and dreams in this book.




An American Sickness


Book Description

A New York Times bestseller/Washington Post Notable Book of 2017/NPR Best Books of 2017/Wall Street Journal Best Books of 2017 "This book will serve as the definitive guide to the past and future of health care in America.”—Siddhartha Mukherjee, Pulitzer Prize-winning author of The Emperor of All Maladies and The Gene At a moment of drastic political upheaval, An American Sickness is a shocking investigation into our dysfunctional healthcare system - and offers practical solutions to its myriad problems. In these troubled times, perhaps no institution has unraveled more quickly and more completely than American medicine. In only a few decades, the medical system has been overrun by organizations seeking to exploit for profit the trust that vulnerable and sick Americans place in their healthcare. Our politicians have proven themselves either unwilling or incapable of reining in the increasingly outrageous costs faced by patients, and market-based solutions only seem to funnel larger and larger sums of our money into the hands of corporations. Impossibly high insurance premiums and inexplicably large bills have become facts of life; fatalism has set in. Very quickly Americans have been made to accept paying more for less. How did things get so bad so fast? Breaking down this monolithic business into the individual industries—the hospitals, doctors, insurance companies, and drug manufacturers—that together constitute our healthcare system, Rosenthal exposes the recent evolution of American medicine as never before. How did healthcare, the caring endeavor, become healthcare, the highly profitable industry? Hospital systems, which are managed by business executives, behave like predatory lenders, hounding patients and seizing their homes. Research charities are in bed with big pharmaceutical companies, which surreptitiously profit from the donations made by working people. Patients receive bills in code, from entrepreneurial doctors they never even saw. The system is in tatters, but we can fight back. Dr. Elisabeth Rosenthal doesn't just explain the symptoms, she diagnoses and treats the disease itself. In clear and practical terms, she spells out exactly how to decode medical doublespeak, avoid the pitfalls of the pharmaceuticals racket, and get the care you and your family deserve. She takes you inside the doctor-patient relationship and to hospital C-suites, explaining step-by-step the workings of a system badly lacking transparency. This is about what we can do, as individual patients, both to navigate the maze that is American healthcare and also to demand far-reaching reform. An American Sickness is the frontline defense against a healthcare system that no longer has our well-being at heart.




Understanding Life Insurance


Book Description

Life is unpredictable, but you can set yourself up for success by being prepared. It's essential to make sure that your family has protection against catastrophic expenses with life insurance coverage - no matter the size of your plan! Make sure you take the time to become an informed consumer. Dive deep into those insurance plans and make sense of all that confusing language! Doing so will put you in a powerful position regarding making decisions about your coverage. With "Understanding Life Insurance," you don't have to worry about the stress of dealing with salespeople. Instead, access a trusted resource that provides all the information needed for choosing an ideal life insurance plan without any advertising bias! This book is for you! You're on the right track! We've crafted an "Understanding Life Insurance" that makes complex legal terms and concepts accessible to everyone. Take your time learning all you need, so when it comes a time, you can make informed decisions-without having an attorney by your side! You are on the cusp of gaining remarkable knowledge that could revolutionize your life. Be ready to accept incredible possibilities! Be proactive and plan for the future now. Avoid negligence that will force your family to suffer uncertainty. Taking charge of your finances now will bring a brighter tomorrow - one that you and those close to you can look forward to with hope! It time you know the real truth about life insurance and retirement.




Happily Ever After


Book Description

Let's face it. Some things are NOT worth dying for. And a large life insurance payout is not one of them. But what if you could use life insurance to live a better life? To not only retire more comfortably, but achieve your dreams? In this book, you'll read stories about families who did just that. Even confirmed bachelors and bachelorettes who did just that. And along the way come to understand in easy to understand language the technical aspects of life insurance to help you make this difficult decision today. Written by a real life insurance agent, you'll gain decades of perspective to see why life insurance is very much a tool best used for living by those of us wanting to live fuller, happier lives. TABLE OF CONTENTS: Introduction: Happily Ever After? 1. Story Time Examples! (Spoiler Alert: Everyone in These Stories Lives Because No One Wants to Hear ANOTHER Story About Someone Dying to Use Their Life Insurance!) The Martinez Family Moves Across the Country to A Dream Job with a Universal Life Insurance Policy The Li Family Survives Breast Cancer with an Protection Indexed Universal Life Insurance Policy The Patels' Repair their Home with an Accumulation Indexed Universal Life Policy Benjamin Brown, a Bachelor with no Beneficiaries, Uses a Whole Life Policy to Enjoy His Life Why the Kelly Family Chose to Convert their Term Policy The Abara Family Saves for the Future with a Term Life Insurance Policy Jane Suzuki Preserves Protects Her Fortune Joseph Kohen Helps His Grandchildren 2. Understanding Exactly What Permanent Insurance Is: The Life Long and Long Life Option Whole Life Insurance Guaranteed Death Benefit Cash Value Component Different Types Universal Life Insurance Traditional UL Indexed UL Guaranteed Universal Life Protection Indexed Universal Life Accumulation Indexed Universal Life 3. Understanding Exactly What Term Insurance Is: the Temporary Option Several Kinds of Term Insurance Level Term Decreasing Term 4. Typical Riders What If You Don't Die? You May Want A Return of Premium Rider For Injuries, Sickness, Disease and Disability You May Want Living Benefits Conversion Long Term Care 5. How Much Coverage Do You Need? Making Sure You Are Not Overinsured or Underinsured 57 Conclusion: Everyone Can Use Life Insurance While Alive Even Confirmed Bachelors and Bachelorettes can Use Life Insurance While They Are Alive As an Investment Tax Advantaged Emergency and Retirement Funding Assisted Living (even at your own home!) and Nursing Homes When You're Old Self Sufficient to the End Legacy Babies and Children Need Life Insurance Too Death or Disability of a Child For When They Are All Grownup: Financial Independence Don't Forget Life Insurance for the Parents Yes, You Do Need Life Insurance!




Life Insurance for the American Family


Book Description

Ed Kelly is on a mission to help American families. They are grossly underinsured with their current life insurance coverage, and something must be done about it, soon. In this book, Ed exposes the 10 myths that most consumers and their current advisors hold about life insurance. Once these myths are dispelled, then the mothers and fathers, husbands and wives, insurance agents and financial planners can all move on to address the truth about Time Diversification and Tax Diversification. This book is a call for Americans to take responsibility for themselves and the real risks we all face. While most people can think of only one reason to own life insurance (to provide money for a survivor), Ed shows there are actually 1000 reasons to own life insurance, from cradle to grave. Many of these are driven by the tax advantages inherent in a life insurance policy. His mission is to drive you to a better conversation and a better meeting with your financial professional. This book will help you see life insurance from a new philosophical and practical perspective.




Life Insurance 101


Book Description

Whole life insurance is a type of permanent life insurance coverage designed to provide protection for your family by locking in benefits that can help pay for end-of-life expenses, as well as cash value that can be accessed in an emergency. When you die, life insurance provides money to the people who depend on you. It can also do much more. This book shows you exactly how you can take advantage of one of the most common, but misunderstood financial tools. In it, you'll discover exactly how you can use your life insurance to benefit you while you are alive - and help you build financial security. In addition, it will reveal ways to make the best of your policy no matter what age you are. Most people don't realize what a powerful tool they have in their life insurance policies - this book will be your guide.




Life Insurance Simplified


Book Description

Swindled-of their life savings. The hardworking couple thought they were doing what was best for their family. They scraped together the money to buy an expensive life insurance policy from their friendly-faced agent. It would provide enough for the family to live on if the chief breadwinner died unexpectedly. They didn't read the insurance policy because it was complicated and long and the agent's explanations were reassuring. The well-intentioned agent himself didn't understand everything about the policy but repeated the phrases he was trained to use to sell the most expensive policies that earned him the biggest commissions. Like all life insurance companies, the large national corporation the agent represented sells both good-value insurance policies, for those who know the difference, and rip-offs-for those who don't. The couple sacrificed to pay large premiums for a policy with high-sounding advantages promised by the agent. They didn't realize the death benefit they would receive was not a penny more than what a much less expensive policy would have given them. Their story is like too many others. To keep your story from being like theirs is the purpose of this book.Dick Bodwell has spent his successful life as a renegade life insurance agent-or as he calls himself, an "anti-insurance industry insurance agent." Despite warning thousands of clients for over fifty years against abuses and deception in the industry, he has been the recipient of top sales awards from several of the largest insurance corporations. He has done it by selling people the products they need rather than ones that would earn him the biggest commissions. Even today, relatively few understand how life insurance really works. Dick has teamed with his son Gregory, a Ph.D. historian and attorney, to bring you this simple guide to truths that may save you a fortune.