To. Stick with stimulating breaking news on talk radio 6 e w c b m. W c com. Fox News free to go I'm Pam through sale after turning down an invitation to testify in private my expectation is that we will get a chance to hear from director call me in public Senate Democrat Mark Warner of Virginia the vice chairman of the Senate Intelligence Committee tells Fox News Sunday he finds it disturbing that President Trump would fire f.b.i. Director James Comey in the middle of an investigation into his campaign's possible links to Russia and the president and this administration said there's no there there continues through their actions they indicate that they are afraid of where this investigation they had Senator Warner going on to say he's trying to give the president the benefit of the doubt does President Trump have recordings of conversations he's had with the former f.b.i. Director if in fact there are such recordings I think those recordings will be subpoenaed and I think they'll probably have to turn them over she Opie Congressman Mike Lee of Utah also on Fox News Sunday the White House has not the nod the existence of any tapes on Saturday 8 candidates to possibly replace Komi were interviewed at the Department of Justice Congressman Lee says he has suggested that former Supreme Court nominee Merrick Garland be considered Garland was nominated by President Obama but Senate Republicans refused to hold a hearing and the nomination expired having a missile test is not the way to sit down with President Trump so says u.s. Ambassador to the u.n. Nikki Haley following the latest launch by North Korea what we're going to do is continue to tighten the screws he fails it he absolutely feels that and we're going to continue whether it sanctions whether it's press statements and. Asked her Haley on A.B.C.'s This Week just yesterday a top North Korean diplomat said her country would be willing to meet with a trumpet ministration if the conditions are set a rocky forces are concentrating on for neighborhoods in western Moselle as they try to push out ISIS the eastern part of the city was liberated earlier this year Fox News Radio fair and balanced to a. On the next episode of recipes for disaster so we've got our neighbor coming over tonight for a barbecue which is why I'm prepared to. Take marinate. To make sure mistakes. And let the marinating out on the counter overnight Jeff do you . Mean well but without food safety it never ends well I always thought our marinate food in the refrigerator at 40 degrees Fahrenheit were below or you could make your friends and family really sick. Neighbor Paul didn't think twice about the steak until he was presenting his company's financial forecast to the board that's when a sudden doubt of food poisoning made it explicitly clear that profits were the only thing on the rise. Plus recipe for disaster if. You learn the right steps says those everything wrong. A family fight apparently over money comes to a deadly end in South Carolina a family financial dispute turns deadly as a woman who had just been evicted by her father from his waterfront mansion in Charleston is now charged with his murder police say 31 year old Brittany Simpson claimed an intruder and shot and killed 66 year old Robert Simpson in the middle of the night the text of his have released the 911 call made by Britney's younger sister broke up to tell me exactly what happened I don't know I just woke up in a surprise shot and I got I still miss Ali Well I think in some spots police say Brittany Simpson tossed the gun in her bloody clothes off the backyard dock the lake was dragged and divers found the gun and clothing matching what she'd been wearing seen on surveillance video earlier her father emigrated from England in 1905 and worked in the film industry Tom Regardie Fox News we're learning just how far reaching Friday's worldwide fiber attack was in your own poll says the ransomware attack that paralyzed computers hit more than 100000 organizations in one. $150.00 computers more computers could be impacted when they're turned on tomorrow $51.00 women who want the same thing will compete for it tonight the title of Miss USA that will be relinquished by to Shawna Barber hours from now in Las Vegas Julianne Hough and Terrence j. Guy the 66th annual show and the contestants through the swimsuit evening gown interview portions Barber who is a former u.s. Reserve captain has been fighting but I'm also sad in you know anxious and there's this a combination of feelings that you feel when you're tourist in the rain but when she's handed over the crowd I'm going to be focused on being a full time motivational speaker so I'm excited said to use that as an opportunity still focus on better and still still speak about plus for espresso or shop Lino Fox News the winner of tonight's pageant will compete in the most Miss Universe contest Fox News free to get. Mother Nature breaking the traditions on this Mother's Day but watch out for the winter patchy fog early on this Sunday sunshine for the rest of day becoming gusty this afternoon are highs low to mid seventy's West Wind 2030 miles an hour could see some higher gusts out there as well still gusty tonight in her part of her forty's sunshine Monday through Wednesday high temperatures on the rise low seventy's Monday seventies Tuesday operating Wednesday I'm Todd Weather Channel for talk radio. You know why we always wear our 100 God that makes me part of the team in our team has a reputation to live up to and what is that reputation we're always smiling cheerful cheerful very careful or we die away because of that because of that. When you see those outside all you have to do is point them whatever you're pointing at will disappear we work until midnight 7 days a week so you never undertake to meet us we can usually be there in about 90 minutes 1800 got. Junk dot com Now that you are. At the Preakness balloon festival on our station go to Preakness balloon festival dot com for more information and purchase advance parking passes now for you your friends or your family see you at the Preakness balloon festival Howard County Fairgrounds May 18th through the 20 f. The month of May brings out the flowers birds and of course the Preakness balloon festival mark your calendar now for May 18th 19th and 20th for the festival of all festivals now with the Howard County Fairgrounds hot air balloon food kids Oh and lots of fun speaking of fun you need a quick wedding yes we can take care of that too at the Preakness balloon festival now with the Howard County Fairgrounds for more information go to Preakness balloon festival dot com Preakness balloon festival dot com. Please see. The following w c b m program has been prerecorded at this time the views and opinions you hear on talk radio 680 w c b.m.w. C.b.s. Dot com are not necessarily those of the owners management employers and advertisers of w.c. But they should be wealth without risk is brought to you by principle retirement group. This is Talk Radio security w c b m It's time now for well without risk your host Matthew on one good morning Baltimore welcome to wealth without risk my name is Matthew all one and I am the founder of the principle retirement group wonderful to be here on a Sunday morning at 11 o'clock to talk to everybody about a safe and secure retirement and today's a special day so 1st things 1st I want to wish all the moms out there happy Mother's Day moms you guys you all do more for us than we could ever possibly thank you for so happy Mother's Day to all the moms out there Ok let's start talking. About retirement now 1st of all we do have another class coming up in the beginning of June and the class is is that is taught at you n.b.c. And we do we do 2 classes there each 2 hours and we do it over 2 days. So the 1st class is June 1st and June 8th and those are the 2 days it is 2 hours long and it starts at $630.00 and goes to 830 the 2nd class is Saturday mornings June 3rd and June 10th and starts at 10 and goes to 12 now the class is all about retirement planning but we talk about some things that maybe people don't talk about often enough we're going to talk about risk Ok we devote a lot of the time to discussing risk there are many types of risk it's not just more kit risk we also spend a lot of time talking about fees are very important because most people don't know what they're really paying in fees and the fees coming out of your account when you know it or not well I should say well you know how much it is or not is it means less money for you so if we can reduce fees by recognizing what they are and reduce them then guess what folks more money for you know another topic is going to be the math of gains and losses and this is an area where all a lot of people don't quite get the Maff and it's important to recognise that you know if I lose this much how much do I have to earn to get it back and how long does it take we also talk about Social Security a very hot topic when it comes to social when it comes to planning your retirement Social Security is a very important topic and finally we talk about multiple streams of income now this is probably and I mean let's face it at the end of the day that's the most important one there is right if you can structure your retirement so you have multiple streams of income then you have the chance at a much better retirement so. If you'd like to be part of the class and by the way I should let me mention. We have to pay for the rooms at you n.b.c. So there's a fee for the class the Cliffy is $49.00 and you know it's $49.00 for you know per couple and if you want you know if you want to invite a friend that's great but it's $49.00 to attend the class so it is a bargain and the only reason we do that is to cover the cost of the classroom because you don't b.c. Does charge for that anyway if you'd like to attend the class if you'd like to get a little bit more information just give us a call our toll free number is 888-979-5995 when you hear the recording just press number to leave us your name and phone number and says I'm injured and say I'm interested in the class that will call you on Monday and we'll gather the information for you and make sure you know you know where when and how all that good stuff so one more time on teaching your class on retirement at you n.b.c. Thursday the 1st of June that's one class Saturday the 3rd and 10th of June that's the other class and if you'd like to attend just give us a call tell us you know 8 Matthew I'm interested in your class our toll free number is 888-979-5995 when you hear the recording process Number 2 leave us your name your number and say I'm interested in your class we'll call you back and we'll get everything squared away so that you guys can attend the class all right now. One of the things that you know earlier this week I got an e-mail now let me let me back up here just about I subscribe to an information service on. Investing and trading and all you know includes a lot of different kinds of information but this is a service that you subscribe to you. Pay for it it's not cheap and but it's chock full of very valuable information you know I don't generally talk about it on the show because everything we talk about on the shows is more geared towards safety and some of that stuff is risky and here on the show we're engaged in making sure you don't lose money making sure you have enough or time an income and we want to protect protect protect because we don't want somebody to go into retirement thinking that everything is rosy and then have the market crash on them and lose half their retirement we don't want retirement ruined because of market crashes Plus we want to make sure that you have enough retirement income to last as long as you do which by the way that's why I always ask the question do you want to be rich or do you absolutely positively want to guarantee that you will never be poor right so anyway earlier this week I got an e-mail from the folks who I subscribe to now the person that wrote the e-mail is he's a very astute investor in money manager and he did the money management thing years ago where he managed over a $100000000.00 of other people's money. The individual's name is Bruce Marshall's off to give credit where credit is due Bruce is very smart. The organization is called simpler training and the article or the e-mail was entitled worst reading in 20 years so I'm going to read you some of this e-mail because I thought it was very eye opening. Or it starts out worst reading in 20 years I think this bull market has finally jumped the shark it's been 20 years since I've seen a critical red flag at such an extreme level bottom line I would not want to be a buy and hold investor right now why I'll get to that but in case you've missed my last few e-mails let me recap now is the time to protect your nest egg if you're. Heavily invested in any kind of fund on Wall Street Please read this carefully Last Thursday I did a weapon are exposing what I learned managing over 100000000 dollars in client bonds such as how to evaluate risk and how to calculate your real returns after all the fees and expenses on that webinars I warned that it was time to be careful with long exposure to the market and then the Vix dropped to 9.56 this morning a level we haven't seen since 1903 let me pause here just a moment. The Vix is an index that measures. Volatility in the market now the Vix is nicknamed the fear index the lower the number the less fear the higher the number the more fear last year the Vix was in the twenty's then it was in the teams it has been steadily going down now it is at $9.00 so this is extremely low and it is so dangerously low this is like people falling asleep at the wheel kind of low. Let me go back to the article as you probably know the the Vix measures volatility in the s. And p. 500 and it's super low right now in other words that means the fear index is super low investors are complacent too many people think the market can you know can only go up all right Paul's for 2nd this is where the danger lies when people become complacent or when they forget that the market can go down that's when you get hammered so if everybody thinks it's all 'd rosy You can only go up this is a perfect example is the tech bubble when people thought oh the market's always going to go up it only goes up it goes up by double digits every year I'm going to be rich and then in the end of $99.00 b. Well beginning of 2000 the market crashed it went down it went down hard it went down for 3 years in a row while they cleaned out all the mess from the tech bubble and that's the kind of thing we're talking about here now let me go back and says after the crashes of 200-2008 I think you'd see these guys would have learned but this is human nature and that never changes why would I want to be buy and hold investor right now sure the market could go higher I'm I'm not calling this a top we're going to short but let me be crystal clear I believe the downside risk is now far greater than the upside potential at this point Ok so I'm going to stop with the article there for just a moment now this is what we talk about on this radio show is you've got to make sure you protect what you have yes we want to take advantage of the market when it goes up but we cannot allow ourselves to be harmed when it goes down this is why we use the book growth without risk that book is essential for protecting against the downside hence the name growth without risk so. In order to help teach everybody a good lesson here we want to give away copies of the book growth without risk so the toll free number to get a free copy the book is 889795995 when you hear the recording press number to leave us your name and number we'll call you Monday we'll get your copy of the book and it's very important to recognize that it is possible to be you know to have returns that are linked to the stock market which sometimes are very good sometimes or not so good we never know you're right when nobody has a crystal ball right but it is very important that you you know you take advantage of the good times but you're not harmed by the bad times and it is definitely possible to do that Chase Bank figured out this process in 1987 and they that's when they invented the 1st market linked certificate of deposit. And they figured out a way that take advantage of the good but not be harmed by the bad this is not new it may not be well known it's but it's not new now a lot of advisors won't tell you about that because they want you to do invest a specific way and has a very good friend of mine in Pennsylvania puts it he says your current advisor is probably more interested in their retirement than they are in your retirement so if you do it the way they tell you to do it it's more money for them and that's makes a lot of sense actually Anyway what we want to do is give everybody a good education because I when I read this e-mail I said to myself This is a really good point the mortgage has had a great run up and if we don't have certain things like tax reform health care reform and if earnings of corporate earnings don't continue to do well then the run up that we had which is all in anticipation of all these good things happening the run up is going to turn around and it's going to run back to where it was so you may lose 3000 points on the Dow to what it will take a hit we don't want that we want you to lock in your games and lock out those losses so get a free copy the book growth without risk the toll free number is 888-979-5995 when you hear the recording press number to leave us your name and number we'll call you Monday we'll get your free copy of the book one more time toll free number is 888-979-5995 when you hear the recording press number to leave us your name and number we'll call you Monday we'll get your free copy of the book will also give you on the other side of the commercial break we'll give you more information about the upcoming class that we will be teaching at you n.b.c. Already We'll be back on more with more on your retirement in just a couple minutes you are listening to wealth without risk on talk radio 680 w c b s. Hi this is Matthew wall one founder of the principle retirement group millions of Americans will find retirement a serious challenge many will not be able to retire at all ask yourself how well did I do during the last financial storm our clients enjoyed superior returns with lower risk a locked lower Call us today at 8889795995 the last 10 years has decimated retirement nest eggs we focus on your safety we do Ira and 4 a one k. Rollovers before you renew those C.D.'s call us today at 888-979-5995 or visit our website at principal retirement group dot com Do you have a plan in place to protect against the next market downturn we do give us a call today 88897959158889795995 that's 888-979-5994 shading for me used to be a chore or not anymore not since I started chatting with Harry shaving products over a year ago regular here now shed because enjoy it all what a close move shave I get without going over the same area repeatedly another big difference the price for decades $1.00 big razor company jacked up their prices and made huge profits at the expense of their customers so 2 guys named Jeff Amanda got tired of getting ripped off and bought their own factory by taking less profit and selling directly to you over the Internet Harry's offers their blades at half the price just $2.00 a plate compared to $4.00 or more you'll pay at the drug store Harry's are so confident you'll love their Plage they're giving here their set for free just cover shipping your free trial set includes the Truman set ergonomic handle 5 percent engineered blades with lubricating strip and trimmer blade Richard lathering shave gel a travel blade cover and potion a bomb that's an $18.00 value to get your free trial set go to Harry's dot com right now and enter the code blue Brad check out that's Harry's dot com The Code Blue Bird you know there are. 4 steps you can take right now that may help you maximize your retirement income at the principle retirement group we address all for and help our clients maximize their retirement income number one is Social Security did you know that Social Security Administration has programs that will increase your overall lifetime income number 2 is reduce taxes up to 85 percent of your social security income can be taxed have you structured your retirement income to reduce that tax number 3 is minimize losses did you know you can have safety and growth on the same dollar at the same time there are programs that grow in the stock market goes up but lose nothing when the stock market goes down number 4 is reduce your fees are you blissfully unaware of how much you are paying in fees simply by reducing your fees means more money for you at the principal retirement group we can help with all 4 of these steps to help you maximize your retirement income give us a call the toll free number is 888-979-5995 high frankly we're here if you need home remodeling work done like you see in those magazines now's the time to call 2 months and he has builder and home improvements get 15 percent off any project up to $2500.00 at the same time you'll be helping the teal for kids a vent to months of his making a donation to the Center for pregnancy concerns for every project book with us Chris Egnor says on Angie's List the a.v.s. 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All right you welcome back Baltimore Matthew all one here welcome to wealth without risk and before we go any farther Happy Mother's Day to all the moms out there thank you so much for all that you do we love you now let's talk a little bit about retirement Ok So before we went to break we were talking about a book called growth without risk I was reading you an e-mail that was talking about the risks of where we are now the complacency that's taking place and this is it's when these things come together that people usually get hit when they think the market will only go up and then everything's fine that's when the sky falls so we want to be very careful we want to make sure we protect the downside of our retirement plans so that if we are close to retirement we don't get whacked if you're 55 and above this is what we call the retirement red zone a big downturn in the market can hurt your plans if you're 60 and above then you're in what we call the retirement kill zone and a major downturn in the retirement literally could kill your retirement plans so we want to be careful Ok We want to protect the downside we want to make some money but we don't want to lose anything and actually one of the things they never teach that when it's when you when you go out in the world to try to make money the 1st thing you do is protect the downside don't lose money that's the rule that's rule number one it always has been that's why I asked the question do you want to be rich or do you absolutely positively want to guarantee that you will never be poor I don't need to be rich and I definitely don't want to be poor. So anyway so we're talking about the place you see in the market we're talking also about the book growth without risk and we have a class coming up we are teaching a class at un b.c. The class is all about retirement. Thursday June 1st and June 8th that's one class starts at $630.00 goes to 830 the 2nd class is Saturday June 3rd in June 10th starts at 10 am goes to noon so it's a total of 4 hours of instruction and will be just gusting risk fees gains and losses Social Security and multiple streams of income in the last $1.00 multiple streams of income is critical because one of the great risks we face is long jeopardy which nobody wants to talk about longevity and one of the greatest fears that people have is outliving their money and nobody wants to talk about that either well this is real stuff so if you'd like to get a free copy of the book growth without risk or if you'd like to attend the class on retirement planning you n.b.c. Our toll free number is 888-979-5995 when you hear the recording process Number 2 just leave us your name and number will call you Monday and will either get you the book or get in the class whatever it is you want or even both so once again. If you'd like to attend the class that we're teaching at you n.b.c. Give us a call if you'd like to get a free copy the book growth without risk also give us a call toll free number is 888-979-5995 when you hear the recording just pressure number 2 leave us your name and number and tell us what you want book Class both entirely up to you so anyway give us a shout You can also check us out on the web w w w dot principle retirement. Dot com That's principal retirement group dot com All right now got a couple of different things here I want to address. The 5 this is something called the 5 what ifs and this is part of the risk scenario and it's something we talk about with clients and we say Ok Number one is what are Social Security is reduced How are you going to maintain your standard of living now Social Security could be reduced for those who do not are not getting it yet if you're already getting it there probably won't reduce it but then by the same token you won't get any pay raises either so how are you going to handle that you have to have another stream of income to make sure you can keep up with inflation and maintain your standard of living Number 2 what's the next what if what if I'm unable to take care of myself very important how are you going to pay for that who's going to do it number 3 what if I ever what if I am confined to a health care facility so very difficult because you know what. That stuff is really expensive and I think just my opinion here is that 80000000 baby boomers a lot of whom do not have enough money save for retirement means that being cared for home by family is going to come around again this is what it was a 100 years ago you know this it wasn't in the thirty's forty's and fifty's and then things like nursing homes and assisted living started to come into being and we all of a sudden don't have our senior citizens at home are retirees at home and so this because of the cost they'll probably be coming back our number for what if I don't live a long time so the risk there you know by the way if you're if you're not here there's no risk to you but the risk is to those you leave behind and they may not have enough income because when one person dies the other surviving spouse loses a social security check. Now the other side of that number 5 this is the other what if what if I live a long time and this is the biggest what if of all because what if you live into your ninety's how are you going to make sure you have enough retirement income to last as long as you do again this is why we do what we do now the quickest easiest answer to making sure you have enough income to last as long as you do is the personal pension plan this is a program where your money grows with a guaranteed rate now I'm just going to you know one of the programs we have is guaranteed there it's guaranteed to grow at 7 percent for 10 years now what happens is at the end of 10 years you can let the money sit there if you want that's entirely up to you what the purpose of the program is to pay you it's to become a retirement check it's to make sure you have more income so let me give you an example let's say that you're 65 years old you're about to retire and you want to take some of your 4 a one k. Money and set it aside for the future. So you put some money into the personal pension plan you say Ok this money I'm not going to touch this money for a little while I'm going to let it grow at 7 percent I'm going to let it grow at 7 percent as long as I possibly can let it sit there and you know I might hopefully 5 years maybe 7 maybe the whole 10 who knows but when I when I do need a pay raise this is where I'm going to get it so you retire you put the money in the account and let's say that you manage to let it sit for 7 years so that's wonderful that's great that's a long time you don't touch it for 7 years you earn 7 percent on your money for 7 years and if he at the end of 7 years you say you know what I need that pay raise now and it's one phone call and the next thing you know you have checks coming in and these checks will keep coming in until the day you die and by the way if you happen to die a little on the early side and you're married the checks will keep coming for your spouse as well so it's a great way to replace a lost Social Security check it's a great way to make sure that both one or both spouses have a decent standard of living it's a great way to keep up with inflation all of these things are critically important to making sure you have a safe and successful retirement it's one of the ways of getting risk off the table so all right so let's hit pause button here for just a moment we have a lot of things going on number one we're teaching your class here in the near future June 1st June 8th as one class June 3rd June 10th is the other class we're giving away copies of a book called growth without risk and if you'd like to learn more about how a guaranteed 7 percent for 10 years on your retirement money how that works for you or how it can work for your how it might fit into your plans. Give us a call the toll free number is 888-979-5995 you're going to hear a recording it's Sunday we're not in the office right now so when you hear the recording press number to leave us your name and number we'll call you Monday we'll get you all the information whether it's the class of the booker or the personal pension plan the guaranteed 7 percent will get you all of the information that you're looking for there might be all of it might be one of them entirely up to you so one more time toll free number is 889795995 you're going to hear recording just press number to leave us your name and number call you Monday always do and we'll get you the information you're looking for whether it's attending the class free copy of the book or learning how the personal pension plan works and how that 7 percent can benefit you and how it can help you create more retirement income Ok Now go back for just a moment let's talk a little bit more about how much Americans have save for retirement this is a big deal and this is another reason why growth without risk is so important because most Americans haven't saved enough retire for retirement therefore you can't afford to lose what you have now I know it's very common and I see this all the time we haven't saved quite enough maybe we should try and make some extra money in the market and will put more will take on a little more risk to try and make more money well if you're in your fifty's or sixty's taking on more risk now may not be a good idea in fact. Probably the wisest maneuver is to protect what you have and then when you've protected a decent amount if there's if there's only a piece of the pie left over take some risk with that but don't be risking risking your whole nest egg because it's not big enough protect your nest egg because the worst thing that can happen is you lose it you know trying to make more money so then you not only do you lose money you lose time all right so this is an article and it's from April 13th I think 2017. From The Motley Fool now the Motley Fool started almost 20 years ago as an investment advisory service and it was sort of by a.o.l. And its big guy wrote real big they all and they actually have a lot of really good information on there all right so this one was talking about retirement and there had some very interesting statistics now this particular article is is entitled older Americans are more afraid of running out of money than death and this is true this is this is not new has been going on for years and said Ok running out of money in retirement is a major concern for older Americans especially since so many are considerably behind on savings but apparently the aptly named retirement crisis is more serious than we thought according to a recent Trans America study 43 percent of workers 50 and older claim that their greatest retirement related gear is outliving their savings a survey released last year by the American Institute of C.P.A.'s had similar findings with 57 percent of financial planners listing running out of money as their client primary retirement concern and these things go on and on let me skip forward. A good 33 percent Americans have 0 retirement savings roughly 30 percent of Americans 55 and older have no retirement savings 56 of Americans 56 percent of Americans have less than 10000 in retirement savings only 31 percent of seniors $65.00 and over have 200000 in a retirement account and about 25 percent of Americans $65.00 and over rely on Social Security as their only source of retirement income that's frightening that really is frightening not enough money saved Social Security the only source of income or so little savings that it could be wiped out in a heartbeat so. We have to do a couple of different things here one of and again one of the things is come to the class Ok get a good education another get a free copy of the book growth without risk more education very valuable stuff because this is going to hit teach people I mean this is what I want to teach people how to have a good retirement and last but not least learn more hell the personal pension plan works so you can structure your retirement to provide you with multiple streams of income and I just can't say that enough multiple streams of income so let's say of a married couple to Social Security checks what else is going to pay you and by the way folks it's not what you have it's how much it will pay you if it doesn't pay you enough you may be in trouble you'll start spending principal and then you're in a spiral headed down words where you may run out of money Ok so break is coming off let's do this if you'd like to attend the class if you'd like a free copy of the book if you'd like to learn more about a guaranteed 7 percent and how to have more retirement income our toll free number is 888-979-5995 when you hear the recording press number to leave us your name and number call your Monday always do and get you the information you're looking for so once again if you're interested in our retirement planning class that you n.b.c. If you'd like to get a free copy the book growth without risk if you'd like to learn more about getting a guaranteed 7 percent on your retirement savings to create more retirement income the toll free number is 888-979-5995 you're going to hear recording just press number to leave us your name and number we'll call you Monday and we'll get you all the information that you're looking for All right we're going to pick this up on the other side of the break and talk more about your retirement you. Listening to wealth without risk on talk radio 680 w c b s. This is Matthew all one president of the principle retirement group we respect and appreciate all the time you have worked and saved in your life to get to where you are now whether close to or in retirement this is not the time to lose money the future is unclear and full of challenges the impact of losing retirement money now may be devastating principle retirement group specializes in retirement plans where you have safety and growth on the same dollar at the same time our retirement programs are designed to protect your savings and still get good returns we offer f.d.i.c insured C.D.'s they can earn up to 7 percent per year to learn more call us at 888-979-5995 number one and ask to speak to Matthew. Shaving for me used to be anymore not since I started shady with Harry shaving products over a year ago or Here now is enjoying what a close nude shave I get without going over the same area repeatedly another big difference the price for decades $1.00 big razor company jacked up their prices and made huge profits at the expense of their customers so 2 guys named Jeff and he got tired of getting ripped off and bought their own factory by taking less profit and selling directly to you over the Internet. At half the price just $2.00 a plate compared to $4.00 or more you'll pay at the drugstore Harries are so confident you'll love their blades they're giving you their set for free just cover shipping your free trial side includes the true ergonomic handle 5 percent blades with lubricating strip blade rich lathering shave gel a travel blade cover and post shave balm that's a $1000.00 value to get your free trial set to go to Harry's dot. 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All right you welcome back Baltimore and real quick want to wish every all the moms out there are happy Mother's Day Thank you for all you do moms out there love dearly have a happy Mother's Day All right so before we went to break we were talking about some different things you can do to plan for your retirement reading an article from The Motley Fool talking about some of the different risks we're facing. Not enough retirement savings out there by a lot of Americans and so we're just we're dealing with this Piper trying to provide everybody with a good education and 1st things 1st the education well. The primary education we want to provide is the class that we will be teaching at un b.c. Classes 2 nights or 2 Saturday mornings so to Thursday evenings or to Saturday mornings the Thursdays are the 1st and 8th of June the Saturdays are the 3rd and 10th of June and you know whichever ones you want to sign up for that's fine we've been flexible you can come to one Thursday and one Saturday if you like that's fine with me but 1st we got to get everybody registered for the class the last time we did this. About 6 weeks ago 8 weeks ago we taught a class and it was very well attended and we got a lot of really positive feedback from everybody on the class so if you'd like to attend the class give us a call the toll free number is 888-979-5995 you're going to be recording just press number to leave us your name and number we'll call you Monday and we'll get you registered for the class also free copy the book growth without risk and the purpose of the book is to teach you that there are ways to make money when the stock market goes up but not lose anything when the stock market goes down if you haven't been taught about this yet if your advisor hasn't told you about it then you know a couple of different things do they even know is one if they know why haven't they told you they may not want to tell you because they want you to continue to do things their way in what would they believe is your best interest but it's ultimately their best interest and I mean I used to be I was one of those guys for many years I mean go back to the ninety's when things just went up I mean I was one of those guys with my nice office with the big window and the fancy lunches and and the fancy dinners had a good old time but we don't do that anymore we go 80000000 baby boomers have got to protect their retirement savings so we do that with a book called growth without risk so if you'd like to get a free copy of the book growth without risk the toll free number is 888-979-5995 same as before when you hear the recording process Number 2 just leave us your name and number and we'll get you copy the book now the final one which was helping people create multiple streams of retirement income to do that we use the personal pension plan and the personal pension plan I'm just giving you one example here there are many we have many programs to choose from depending upon what your timing is what your needs are all different factors age is a factor what if. Or 50 your needs are different from somebody who's 70 so all of these things play into it so if you'd like to learn more about the personal pension plan where your money grows at a guaranteed 7 percent for 10 years our toll free number is 8889795995 And same thing again you're going to hear recording just press number 2 and leave us your name and number and tell us what you want you want the book you want the class you want the 7 percent you want all of it entirely up to you now as going back to the personal pension plan and the 7 percent remember the key here is we want to create more retirement income and that's why it works the way it does that's why it does what it does it's all about creating income and it's creating an income that you cannot live and that's important because it needs to last as long as you do what if you do live to be 90 years old or 95 years old or even a 100 what is your retirement income going to look like what can you do to impact that and again remember that article from The Motley Fool the title of the article was all the Americans are more afraid of running out of money than death and yeah I get that you know why because if you run out of money and you're still alive you've got a lot of problems if you die it's over no problems now we don't want to die you know linger and you know suffer that that would be horrible but the point is if you're not here you don't need a paycheck if you are here you do need a paycheck Where's that paycheck going to come from that's why we do what we do that's why we structure these programs and again going through some of the statistics on here a lot of people haven't saved a lot of money now it's not I don't want to say it's anybody's particular fault there have been stagnant wages there have been fewer options there are no more pensions out there a lot of employers don't offer for a one k. Plans and the ones who do may not match anymore so there's a lot of different things going on anyway. All right another break is upon us let's do this if you'd like to learn more about the personal pension plan in the 7 percent if you'd like to attend the class or get a free copy the book our toll free number is 888-979-5995 you're going to hear recordings or just press number to leave us your name and number we'll call you Monday one more time toll free number is 889795995 when you hear the recording press number to leave us your name and number call you Monday and get you registered for the class get you a free copy the book and get you whatever good information it is you are looking for we will pick this up on the other side of the break you are listening to wealth without risk on talk radio 680 w c b m m Rocky Moselle with star registry dot com since we were children we've been told to reach for the stars it was great advice no it's a great gift name a star after someone for $54.00 in a call 28223333 per visit star registry dot com We will name a star for someone very special to you can send an incredible personalized gift the new star name will be recorded and put form in the u.s. Copyright office call the star registry 802823333 or visit star registry dot com for the hottest gift I'm Rocky Moselle with star registry dot com since we were children we've been told to reach for the stars it was great advice no it's a great gift name a star after someone for $54.00 in a call 282233334 visit star registry dot com We will name a star for someone very special to you can send an incredible personalized gift the new star name will be recorded and put form in the u.s. Copyright office call the star registry 802823333 or visit star registry dot com for the hottest gift pies regular here if you need home remodeling work done like you see in those magazines now's the time to call 2 months and build a home improvements get 15 percent off any project up to $2500.00 at the same time you'll be hoping the t.o for kids of an. Jim Munson is making a donation to the Center for pregnancy concerns for every project book with yes Chris says on Angie's List the foreman and crew did a great job and the audition looked wonderful Also impressive Mr Munson the owner him self stop by to ensure our satisfaction I highly recommend a e.-s. For all building jobs folks this money explain their 27 super service award for exemplary customer service well 27 call for the special 15 percent to you all for kids discount that A.T.'s make your home great again and join A.T.'s and strengthening families strengthening Baltimore call 1877 say 1877 s. a V e r e e s home dot us. This is Matthew all one president of the principle retirement group we respect and appreciate all the time you have worked and saved in your life to get to where you are now whether close to or in retirement this is not the time to lose money the future is unclear and full of challenges the impact of losing retirement money now may be devastating principle retirement group specializes in retirement plans where you have safety and growth on the same dollar at the same time our retirement programs are designed to protect your savings and still get good returns we offer f.d.i.c insured C.D.'s they can earn up to 7 percent per year to learn more call us at 888-979-5995 number one and ask to speak to Matthew. Be part of one of Maryland's treasured traditions it's the Preakness Balloon Festival May 18th through May 20th at its new and bigger location for the Howard County Fairgrounds presented by talk radio 680. This event will include acts. Towards young children and those young at heart activities include him a crafts retail and food vendors good zone live entertainment and a live radio broadcast on Thursday from 3 to 6 pm with yours truly Sean Casey. And Bruce Elliott and of course tethered balloons and over 20 hot air balloons this event is not to be missed and again this year. And the team of Keller Williams integrity the proud sponsor. Down Thursday May the 18th through Saturday May 20th at the Howard County Fairgrounds it's the Preakness pollution Festival they're going to Preakness balloon festival dot com for more information purchase advance parking passes the Preakness balloon festival Howard County Fairgrounds may team through the 20th. And now more well without risks with Matthew or one on talk radio 680. Welcome back Baltimore Matthew all one here and happy Mom's Day to all the moms out there thank you so much for you do we love you Mom greatly appreciate it so happy Mother's Day all right he said let's go back to talking about retirement and we were talking about the class that's coming up at you n.b.c. We're talking about the 7 percent on the personal pension plan and of course the book growth without risk now the class is critically important because of the number of topics that we discuss and one of them is risk and we break down risk into many categories so that there are many types of risk so that's important then there's the fees more people are paying more money in fees and they realized if you can reduce your fees that's more money for you gains and losses the math of gains and losses eludes a lot of people and they don't always recognize what's happened so let me ask you a question if you lose 25 percent of your retirement savings. How long do you have to wait for it to come back and how much do you have to earn to breakeven Now one of those How long do we have to wait for it to come back we really don't know the answer to that one it might be one year 2 years 3 years we don't know but if you lose $24.00 if you lose 25 percent I can tell you the math is easy you need to earn 34 percent just to break even and that's one of the things people don't get so you have to earn a lot and then there's the time factor so the time it took to go down and then the time it took to break even one how many years went by 235 during the financial crisis from top to bottom to breakeven was 5 and a half years that's a long time to wait to show that you have all your money back that you broke even not a good thing so we're also going to talk about Social Security and of course my favorite is multiple streams of income and creating multiple streams of income in retirement is such a critical factor you know you start on the beginning of your retirement was so security and maybe a pension check and then as the years progress you need pay raises you need what you have saved to to pay you to give you pay raises I mean why do we save do we save to give to the family do we save because I might need that in my old age we save for future income so that we can tap into our pools of savings to generate more income over and above Social Security or the pension or both it doesn't matter the point is that that savings has to be able to pay you for the rest of your life however long that might be. Could be 10 years could be 30 years you know a lot of a lot more people are going to crack 90 next year than ever before and then the year after that even more and the year after that even more so we want to protect against long jeopardy risk now the I think the other thing we're talking about the class the book growth without risk and the 7 percent so if you'd like information on any one of these give us a call the toll free number is 888-979-5995 you can hear recording just pressure number 2 leave us your name and number we'll call you Monday and we'll get you the information will get you registered for the class we'll get you copy the book all of those things so one more time. Toll free number is 888-979-5995 when you hear the recording press number to just leave us your name and number and we'll call you Monday and whatever it is you're looking for we'll get it taken care of book 7 percent class all of the above not a problem Ok now we're talking about some different things here and of course the last one last part of class multiple streams of income and I want to. I want to leave you with something here and it's the way we have been told to manage and save for retirement there's retirement plans are largely restricted to stocks and bonds and mutual funds and the problem with these kinds of programs is they can't deliver security in terms of income and that's that's a challenge so we have been told for years and years grow grow grow grow grow what nobody ever talks about in your 41 k. Plan is income income income so there is a point at which you have to change your thinking from growth like you did in your thirty's and forty's and fifty's to income Ok I have saved money it grew now I need that money to become an income stream and I need it to pay me and. Hey me well for the rest of my life and so we want to focus on an idea and we teach this in the class it's in the book growth without risk about making sure that we have an income focused strategy as we approach retirement because the more income you have in retirement the better off you're going to be already so we're winding down here if you'd like to get a free copy the book growth without risk learn more about the 7 percent personal pension plan or attend the class that you n.b.c. Are toll free number is 888-979-5995 going to hear recording just press Number 2 leave your name and number we'll call you Monday we'll get everything squared away so your choices are attend the class that you n.b.c. Free copy the book growth without risk or learn more about the 7 percent personal pension plan and the number is 888-979-5995 when you hear the recording press number to leave us your name and number we'll call you Monday one more time 888-979-5995 there God and Ok You've been listening to wealth without risk Happy Mother's Day will be back next Sunday you're listening to well without risk on talk radio 680 w.c.p.n. .