How to Shield Yourself from Market Volatility, Inflation and Interest Rate Woes

Stock market volatility has returned with a vengeance, as this chart of the Dow over the last 3 months starkly illustrates.

We’re facing a whirlwind of economic challenges we have little or no control over. Here are the top 5 currently contributing to the volatility:

Challenge #1: Inflation has hit a 40-year high

That’s hammering consumers, wiping out pay raises, and reinforcing the Federal Reserve’s decision to rip off the band-aid and raise borrowing rates multiple times this year alone, which some economists fear will trigger a recession.

Challenge #2: The pandemic and rock bottom interest rates pushed home prices up at a head-spinning rate

But now, with mortgage rates up and about to go higher, demand waning, and the average home buyer priced out of the market, experts are predicting the housing market is in for some pain. “A decline of 15%-20% (in single-family home prices) seems likely,” according to real estate market expert Gary Shilling, who has been very accurate in his predictions.

Challenge #3: Meanwhile, household debt has hit a new high

Just as Americans returned to pre-pandemic spending habits and savings rates have plunged.

Challenge #4: This is all happening as interest rates on almost everything have soared… except on savings accounts….

Higher interest rates on debt will only make it more difficult and painful for consumers and our country to pay down debt.

Challenge #5: Russia has waged war on Ukraine

This has roiled markets, raised fears and is likely to have far-ranging repercussions.

Compounding these challenges is the fact that many people were lulled into a false sense of security, believing that the stock market and home prices only go up and interest rates and inflation would stay low forever.

Many have forgotten the lessons learned during the last two market crashes that wiped out 50% or more of the average investors’ life savings and caused unimaginable pain for tens of millions of people…

Lesson #1: There is an enormous difference between “paper wealth” and “real wealth” – the surge in value of your retirement accounts and your home is an illusion – just a bunch of eye-popping numbers on paper. Those numbers repeatedly sucker many of us into believing we have real wealth and financial security when we do not.

Reality: You don’t lock in a profit until you sell an investment. And you shouldn’t have to worry about when the next market crash will come and turn your retirement dreams into a nightmare.

Lesson #2: Having an emergency fund equal to 3 or even 6 months of your expenses won’t come even close to cutting it. Most Americans invest rather than save. As a result, surveys show most people can’t come up with the money to cover even a relatively small, unexpected expense. A major emergency can devastate them.

Reality: The secret to enjoying a financially stress-free life is to have a solid foundation of safe and liquid cash reserves you can use for emergencies and opportunities equal to at least two years of your household expenses.

Lesson #3: Your banker is not your friend (even if you golfed together every week for years). As Mark Twain noted…

“A banker is a fellow who lends you his umbrella when the sun is shining but wants it back the minute it begins to rain.”

Reality: Banks and finance companies can (and do) jack up your interest rates and shut down your credit lines with no notice. They charge you outrageous interest rates while paying you so little on your savings accounts and CDs that you need a magnifying glass to see it.

Learn how to fire banks and credit card companies and become your own source of financing here.

How Do You Gain Control of Your Finances and Position Yourself for Success – No Matter What’s Happening in the Markets or the Economy?

Here are 5 ways the Bank On Yourself safe wealth-building strategy is the Swiss Army knife of financial planning strategies…

Benefit #1: Vacations are for people, not for your retirement savings. A Bank On Yourself plan doesn’t skip a beat when the stock or real estate markets crash. Bank On Yourself has a 160-year-plus track record of guaranteed, predictable growth – with no luck, skill, or guesswork required. And your plan is guaranteed to grow by a larger dollar amount every single year.

Want to find out what your guaranteed bottom-line numbers and results could be if you added the Bank On Yourself safe wealth-building method to your financial plan? Just request your free, no-obligation Analysis now.

Yellow-Button-FREEanalysis-trans

Benefit #2: Adding Bank On Yourself to your financial plan lets you fire greedy bankers and finance companies and become your own source of financing, gaining access to money whenever and for whatever you wantno questions asked.

Benefit #3: You don’t have to liquidate your retirement savings or any other asset to get your hands on money for emergencies or opportunities. Plus, you can use that money, and your plan can continue growing as though you never touched a dime of it (if your plan is from one of a handful of companies that offer this feature).

Benefit #4: Bank On Yourself helps protect you from inflation in three ways, as explained here.

Benefit #5: The Bank On Yourself strategy is an unbeatable place for money you need to keep safe and liquid and for money that you can’t afford to lose, whether that be money you’re saving for retirement or for a college education. Your growth is guaranteed and beats savings and money market accounts and CDs by a country mile. Having money safe and liquid doesn’t take away your options – it only gives you more flexibility and control.

Find Out Today How the Bank On Yourself Safe Wealth-Building Strategy Gives You an Unbeatable Combination of Advantages and Guarantees

It’s easy to find out what your guaranteed, bottom-line results could be if you added Bank On Yourself to your financial plan. Just request your free Analysis here now. You’ll get a referral to a Bank On Yourself Professional with advanced training on safe wealth-building strategies who can answer all your questions.

The biggest regret most people say they have about the Bank On Yourself strategy is that they didn’t get started sooner. Don’t let your inaction turn your retirement dreams into retirement nightmares. Take the next step towards economic sanity today by clicking this button:

Yellow-Button-FREEanalysis-trans

The Ugly Financial Truth in Pictures

They say a picture is worth a thousand words.

If you’ve been having a sinking feeling in the pit of your stomach that you’ve been treading water in your financial plan for what seems like forever, these three graphic “snapshots” reveal the ugly truth.

These snapshots clearly illustrate the fatal flaws in the conventional wisdom that’s been shoved down our throats for so long about saving and investing.

This is your retirement plan powered by Wall Street

A quick look at this snapshot tells you everything you need to know…

Click to Enlarge...
Let me ask you a question…

Where is it written that you must suffer a lost decade – or more – growing your nest egg?

Isn’t that what Wall Street wants us to believe?

The fact of the matter is that the only guarantee Wall Street gives you is that they’ll get paid whether you win or lose!

It’s also why they desperately don’t want you to know about the peace of mind, guarantees, and predictability you get when your retirement plan is powered by Bank On Yourself.

Once again, a picture is worth a thousand words, so let’s compare the growth in a Bank On Yourself plan side-by-side with what the Wall Street Casino offers:

Click to Enlarge...
The chart on the right above shows the growth pattern in a typical Bank On Yourself-type policy.  The growth is exponential (in the mathematical sense of the word).  That means the growth curve gets steeper every year you have the policy – with no luck, skill or guesswork required to make that happen.

And while these plans grow more slowly at the start (there’s no such thing as a magic pill!), the growth is at its peak at the time you need it most – retirement.

The chart above is based on the actual growth I’ve received in one of my own policies so far, along with the projected growth based on the current dividend scale.

Dividends aren’t guaranteed, but the companies preferred by the Bank On Yourself Professionals have paid them every single year for more than 100 years.

Keep in mind that no two Bank On Yourself plans are alike…

Each is custom tailored to your unique situation, goals and dreams. To find out what your bottom-line, guaranteed numbers and results would be if you added Bank On Yourself to your financial plan, request a free, no-obligation Analysis now, if you haven’t already done so.
Request Your Analysis Button
If you’re wondering where you’ll find the money to fund your plan, keep in mind the Bank On Yourself Professionals are masters at helping people find money they didn’t know they had to fund a plan. Here are the eight most common places they look.

So now let’s take a look at another bit of conventional financial wisdom gone awry…

We were taught we could count on the equity in our homes to be a major part of our retirement nest-egg.  A lot of people who thought they were doing the right thing made extra mortgage payments, so they could have the “security” of knowing their home was paid off in full when they retired.

They plowed money they could have put into safe savings into their homes instead – which got them a ZERO rate of return on their hard-earned dollars AND locked up their money in a depreciating asset.

And here’s a snapshot of where that got them…

Click to Enlarge...
News Flash!  There’s a better way!  Did you know that you can save up enough cash value in a Bank On Yourself policy to be able to write a check to pay off your mortgage in full, any time you choose to do that?

My husband and I could do that TODAY – if we chose to.  But we made the smart decision to leave that money in our Bank On Yourself plans where it is working much harder for us.

How much harder is that money working for us?  This blog post I wrote on the rate of return of a Bank On Yourself plan reveals why you’d need to get a 7-8% return in a tax-deferred account, like a 401(k) or IRA, to equal the return of a typical Bank On Yourself plan.

And that’s without the risk or volatility of traditional investments!

TIRED OF WATCHING YOUR FINANCIAL PLAN GO NOWHERE?

Find out how the Bank On Yourself method can give you the financial security and predictability you want and deserve. It’s NEVER had a losing year in 160 years! Take the first step right now by requesting a FREE Bank On Yourself Analysis.

Wondering where you’ll find the funds to start a plan? Don’t worry! You’ll receive a referral to one of only 200 financial representatives in the country who have met the rigorous requirements to be a Bank On Yourself Professional and can show you ways to find money you didn’t know you had to fund a plan.

Now let’s take a look at the promise of gold.  Again, a picture is worth a thousand words…

Click to Enlarge...

I’ve found most people who are buying gold today have no clue about the volatile history of that metal.  And those who forget (or are ignorant of) the past are condemned to repeat it.

And keep this in mind – Bank On Yourself doesn’t have to be an either/or proposition, because you can use the money in your plan to make purchases or to take advantage of opportunities and investments.  (It’s your money, after all!)  Your policy continues growing as though you never touched it.  (Work with a Bank On Yourself Professional to make sure your policy is from a company that offers this feature.)

Having your money in something that’s safe and liquid doesn’t take away your options!

This is the time of year when people often take stock of where they are today, and where they’d rather be in the future.

If you still believe that Wall Street holds the key to your financial security, and if you believe the economic challenges we’ve been facing that have caused the unprecedented volatility in the market are over with… then keep doing what you’ve been doing and hope it all works out.

But if you’re determined that the next ten years are going to be a lot better than the last ten or more, then today is the day to take the first step towards a financial future you can predict and count on by requesting your FREE Analysis, if you haven’t already done so.

When you do, you’ll find out if you qualify for a Bank On Yourself plan.  It can take up to 60 days for your policy to be approved.  So you can see why you need to start today to hit the ground running in 2012.
Request Your Analysis ButtonRequest your free Analysis now… and find out how much your financial picture could improve by adding Bank On Yourself to your financial plan.