Similar cycle on stoop causes and I'm very proud. Of callin my fingernails or crack your better on your bike progressive help keep you honest get a quote from the smallest 3 minutes of progressive dot com progressive constituents company and tell me it's Guardians of the grass run with this one John 2 x. 300 select series lawn tractor built for versatility because when you take pride in your lawn you do it all back to grow and whole lot more and that's why the x. 300 series takes care of everything with attachments for all your spring and summer projects because you're not just doing yard work you're creating common ground for the whole neighborhood to enjoy nothing runs like a deer run with a search John Deere at 300 for more w. C.b.s. News time at 6 o 3 I'm Michael Philip Elie in the 680 w.c.p.n. Maryland News Center haven't I Larry Hogan today appointed former Annapolis alderwoman Shamika Henson to a seat the Maryland house of delegates that was held by former House Speaker Michael Bush who died last month the honorable County Democrats central committee chose Hanson for the seat last month Baltimore City police say an off duty officer was involved in a motorcycle crash early this morning is recovering in an area hospital the crash with another car happened in front of the royal farms on Polansky highway off or county sheriff's office reports no serious injuries today when a school bus and a car were involved in a crash on Prospect Mill Road in Bel-Air it happened in the area between Wentworth drive and Thomas Run Road a child in the car was taken to the hospital as a precaution in sports baseball the Orioles kick off a 3 game series tonight against the Boston Red Sox Oh southpaw John means goes against Sox 31 year old right hander Josh a smith who's making his 1st big league start since 201673 in Baltimore 74 in Fallston 76 in Silver Spring reporting at 6 o 4 on Michael Philip l e 6 a t w c b m news. The following is a paid announcement there's no question about it but the big drug companies don't. They see us as products. With the struggle to make the big drug companies continue to rake in billions that's why he is supporting legislation to establish a prescription drug affordability board and we congratulate the Maryland legislature working together to pass this important bipartisan bill. Governor to sign it into law a prescription drug affordability is a commonsense solutions that would cut prescription drug prices and the only thing standing in the way is your signature governor Hogan we urge you to join with Marilyn lawmakers and put people before profits sign the prescription drug affordability board into law so we can stop the greed and cut prescription drug prices now. Paid for by. Broadcasting live from the w c b I'm safe retirement solution studios call Rod borrowing 412661120 or on the web it safer retirement solution stock up. Getting better at the Fort McHenry Tunnel Now the delays are at Washington Boulevard heading up through the tunnel and for the Harbor Tunnel not too bad to slow getting into the toll plaza and into the tube still have sluggish traffic on the inner loop as you come up the west side starting at $95.00 continuing to toward security the hour loop almost cleared out between $75.00 of Baltimore National pike and a little sluggish or green spring to the j. Effect on the inner loop in Pikesville and then slowing it to Harrisburg expressway over Paris Parkway on the inner loop 33000 j. F. X. Looks good from downtown out to 28th street that a little slowly up through coach I Mark Williams on talk radio 680 w. C.b.s. Early quiet start to the workweek with high pressure moving on to the east of the area give us some eighty's in the forecast for tomorrow and a pretty start to the week and a comfortable forecast for tonight. 60 degrees sunshine Tuesday 80 degrees partly cloudy 70 on Wednesday and then the clouds in the thunderstorms working to the forecast late week Thursday night Friday rain showers thunderstorms Friday a high of 76 Saturday and Sunday we got showers in the forecast late weekend Scott Larimore from the Weather Channel for Talk Radio 680 w. C.b.s. . Here on talk radio 680 w c.b.s. Dot com are not necessarily those of the owners management's employers and advertisers. But they should be. Safer tyrant solutions is sponsored by Rod borrowing and the retirement planning set of. Talk radio C.D.'s and w. C.D.'s. The safe Retirement Solutions with the founder and c.e.o. Rod the role of Retirement Solutions is ranked as one of the top $100.00 radio programs in the USA has more than 35 years experience in the retirement planning industry safe Retirement Solutions with rock the world. Hello and welcome to another weekly edition of the nationally ranked safer solutions radio show. Your co-host here every week right here on your very favorite radio station 680 always on w a c b m you know investors have been on edge because the more because the markets are so volatile many are calling are for even more losses ahead with some expecting a 20 percent loss or more so what should you do to protect yourself have you ever wondered how the really wealthy investor money on today's show we will tease out what the ultra wealthy are doing with their money in this complicate. Good market and it may surprise you listen here for the how the super wealthy are investing their money and see what you can learn as well as our unique Well flea or weekly health tips I'm here with mother trusted assistant Mr Clyde to the voice Allan you know don't forget our ever popular they say segment and a whole lot more on this week's edition of safe Retirement Solutions you know ride every week provides valuable retirement planning information to our w.c.p.n. Listeners for many of our listeners this is exactly the kind of advice they need so they won't wind up even more confused about how to have a successful retirement with an income plan for the rest of their life I was so grateful to be here and assist rod with his show on this week's edition of safe Retirement Solutions you know people really need this information because they're not getting this kind of advice from their current advisors this is the kind of advice our listeners want and need listen you can have enough income you can have enough income to last the rest of your life and enjoy your retirement but there is a catch you have to have a right plan which doesn't happen by accident it happens by action that's why we're here to help you take the proper actions so you can learn how you can retire on your terms and stay financially independent on today's show we will tease out what the ultra wealthy are doing with their money in this complicated market and it may surprise you listen here for how the super wealthy are investing their money and you can only find it here on safe Retirement Solutions radio while we may not fall into the category of super wealthy it is certainly worth our time to pay attention to what the super wealthy are doing with their money because there are things we can all learn from it we all know that investing involves rich but the super rich have done many things right to build their fortune and they likely are doing things that you. That's right but but listen up if you want to learn how to think and act like the super rich trust me when I say you want to stay too pretty entire show you don't want to miss a single 2nd let's kick things off in their usually fashion by talking about this week's health because you need your health to enjoy your wealth studies show that it's never too late to improve your health according to a recent article in x. Of a new emerging drug therapies show promise for improving your health in later years you know October 13th 2011 was a very good day for runner saying on that date he said 8 world records for his age group spanning distances from 100 to 5000 meters 3 days later he added the record for the marathon his age group 100 years and up running a marathon in each $100.00 might not even be remarkable the most remarkable thing about saying possibly even more remarkable he didn't take up serious running until his mid eighty's you heard again and again it's never too late or wasn't too late for Mr saying to begin training as a world class master athlete in his mid eighty's but what about the rest of us we might not aspire to be world class athletes but many of us do want to enhance our health and extend our lives a bit one is it too late to begin. What research says about age and health improvements reasons for research from some of the leading institutions and investigators across the country seem to confirm that in fact it is never is too late for any of this one study of especially frail people in their mid ninety's for instance found that 3 months of weight training significantly enhanced their strength increase their walking speed improve their balance and prevent falls surprising results from my studies and a study that shocked the field mice were given a drug called Rat promise and in their daily. A food allotment in the hope that it will improve their health and extend their lives however the key here is that the drug wasn't started until the mice had already reached the human equivalent of about 60 years old prior to this study an assumption among ageing researchers researchers was that treatments meant to retard aging needed to be started relatively early in life amazingly in the time that my started receiving the drug at age 60 equivalent They lived about 30 percent longer than the mice not getting the drug another study of the American Federation of age your research a far for short found that mice who were given the same drug beginning that the human equivalent of 70 years old also showed health improvements other promising new therapies to preserve health. Patterns definitely you know the studies at the Mayo Clinic are advancing so in all the drugs that target the zombie cells to extend our health in fact mice at the human a clue equivalent of 75 to 90 years old have been found to live one 3rd longer one the number of the cells was chemically reduced in their bodies so whether you wish to set world athletics records when you're 100 years old or simply leave a live a long healthier life science is now demonstrating that the cliche is true it's never too late. Now now we're not doctors for financial consultants who always discuss any therapy with your personal physician and while we can add years to your life we can add life to your years by providing you with financial peace of mind I was watching this really good show the other day where they give out a national award to a few heroic people who put themselves in jeopardy and danger in order to help out someone else that they hardly even know. Sounds like a lot getting married to me I'm not making any comments on what you know so here I am. Rubber really safe Retirement Solutions Radio 1680 c.b.s. Radio in the waves world quote of the day is never bored of course where if the pilot is wearing a tank top those are words of wisdom on the way disco highway. Well we're we're here to make the rest of your years no matter how long you live it to make sure that you won't outlive your retirement money it is possible to maximize your income in retirement while also minimizing your tax bill it's also possible to protect portions of your life saving for market volatility while are earning a reasonable return listen you can have enough income to last the rest of your life and enjoy your retirement but here's the catch you have to have a plan which doesn't happen by accident it happens by action so you can retire on your terms and stay financially confident what would you like to have a plain English straightforward conversation where we will discuss this with you 3 things that have a big impact on your retirement Now these include taxes and retirement protecting your assets and how you may create life long income in retirement. Then you should get off your duff and schedule your own visit with us at the safer time and solutions team just cos today 841-266-1120 that's 412-661-1241 the way it's safe Retirement Solutions dot com You can meet with your boss me and Rod burrowing and the whole safe retirements right illusions deep well me with Run guys here we are here a job here today. To greatly not a problem but here where is the scene here on the c.v. N. Exclusively on w c b m Well we got to take a break commercial break we'll be right back with a whole bunch of stuff. After And after the break but. You know if you're just joining us here on safer time and solutions radio what we're talking about we're talking about how the super The really rich people the super wealthy are investing their money. Let me ask you Do you think the market's going to keep going higher and higher because many people believe and I've read all this financial stuff all the time a lot of analysts believe that the markets may be signaling that we are about to enter another bear market we're going to talk about bear markets and today show as well are well you know in the bear man here that you know unfortunate I know about bear markets all year you know President bear ologists exactly exactly well. As v.a.r. . Well we got to do we do have to take a break guys but we're going to take this right back up as soon as we get back to. This report read to you by a p.g. Federal Credit Union all cleared out of the it has been Pikesville and you still see a little bit of sluggish traffic on the loop between Delaney Valley and parent Parkway some items slowly also between York and Harrisburg Expressway about on the job falls expressway now all clear from downtown up to the Beltway and the delays diminishing at the Fort McHenry Tunnel at slow approaching key highway into the tube the Harbor Tunnel slows as you get into the tube after the toll plaza and heading up the west side of the gate a loop some sluggish traffic from 95 to security a p.g. Federal Credit Union is dedicated to helping members cheap prosper and grow if you live work worship volunteer or go to school in Hartford Cecil counties you can be a member is it a p.g. F c u dot com federally insured by n.c.u.a. I'm Mark Williams on talk radio 680 w c b m. This is Kristen. Interested in this something in my production for the New Year I have the money for the suggestion and that is cool. They wrote of safe Retirement Solutions to day for one ode 26611200 or on the web it safely tired when Solutions dot com has brought about through financial situation and how best to discover evaluate and plan for the coming days when you leave this seriously giving money but the government in monthly checks call Social Security Ron knows best how to sit down with you and lay out true future plans his figures and future Joining me for the good senator from one night a one man show of yours truly Saturday September 21st 8 pm Google standard dot com for tickets. Morning ready if more than a kitchen sink pick out 525 morning how far you started this morning ready for what traffic and weather together every And that. The money looking for answers to get a hold of you shocking discovery we uncover. A few questions. How. We. Should. Be feeling. Weeknights at $6.00 and $6.00 their. Heads to perform. With. America's. Financial available. For nearly 50 years the important work. Of the nation's and the world's. Sean Hannity here would you like to retire with confidence knowing that you have a retirement plan in place to help carry you through your entire retirement and allows you to retire with confidence without the fear of ever running out of money what if you could capture significant market gains without the risk or the anxiety from traditional market strategies I would like to learn how to capture those gains without paying excess fees now you want a straight answer talk with my friend. And the team at safer time and Solutions dot com Paula now 410-266-1120 that's 410-266-1120 you can schedule your visit with Rod and his team today and you're going to discover the truth about investing and retirement the stuff that Wall Street doesn't really want you to know you can discover strategies that will grow when the markets are up but don't lose value when the markets are down so having money for your retirement that's a big deal called a safe Retirement Solutions team or 102661120 schedule your visit today you tell of Chon Hannity says hi stay connected and informed with the latest news at the top of reality and talk about it on talk radio 60 w.c. Viet-Nam w. C.t.m. Dot com. You're listening to safe Retirement Solutions on talk radio 6 a t w c b m n w c d m God shape Retirement Solutions is ranked as one of the top 100 for natural radio programs in the u.s. Are now more broadly ROIC to be one driver only here exclusively on 6. W c The other clues my good. I mean is that some early really good early like they were like and said in a psychedelic in graphic work back in the day if you're just joining us here in safer tarmon solutions radio what we're talking about today show is how the super wealthy people invest their money. Let me ask you Do you think the market's going to keep going higher and higher Well I sure hope so but a lot of analysts believe that the markets may be signaling that we are about to enter another bear market and we honestly I don't I don't know for sure because my crystal ball the crystal balls don't work I mean they got broken a long time ago however investors have been wanted because the markets have been increasingly volatile all the ups and downs all the swings and many are calling for even more volatility ahead now I do believe that. So what should you do to protect yourself that's why we're sharing how the super wealthy invest their money wanted a show where you may not fall into the category of the super wealthy it is certainly worth our time to pay attention to what the super wealthy are doing with their money because there are things we can all learn from it you know we are all we all know that investing involves rich risk but the super rich have done many things right to build a fortune and they likely are doing things you are so listen up if you want to learn how to think and act like the super rich all that is according to a recent Market Watch dot com That's right yeah Market Watch dot com You know I've really like to look at Market Watch because they really have some great stuff to read on there but here's a great article about 5 things rich people do with their money and what you may want to consider doing even though you're not rich or super wealthy I should say because we're all talk about wealth and how to measure that today shows wealth but you can learn a lot about how the top one percent handle their finances in today show wealthy Americans spend save and invest differently the very rich considered those with investable assets of at least $3000000.00 have a lot in common when it comes to their financial management according to a survey of nearly 700 high net worth and the wealthy it was done by the Us Trust and here are 5 things that most rich people do with their money that financial advisors really should consider doing as well you know the 1st thing they do is they delay gratification more than 8 and 10 high net worth investors say that investing is in the long term goals is more important than funding current wants and needs if you're spending. First and then trying to say what's leftover you'll often find there's nothing left over. You know a lot of people do that also leave that's what happens is so many of these young guys that get in the n.f.l. To get this grind boy you are going to have to live Yeah you know that they're the kind of people that really could use a note and I have a guarantee lifetime income there just you just got to make sure you join your standard different between needs basic food shelter clothing etc and wants. Absolutely and you know the wealthy they use their credit strategically they don't borrow needlessly you know roughly 2 and 3 high net worth investors say that they consider credit a decent way to build wealth Well explain that and 4 in 5 say that they know when and how to use credit to their financial advantage the u.s. Trust fund study also found that this strategy isn't without its risk remember credit can be costly when you borrow money you've got to pay it back with a tryst those who pay off the credit balances in for each month should use a rewards card and earn cash or other perks for spending that they do anyway you could consider rather than racing to pay down your mortgage or maybe your student loans maybe getting a low interest rate loan to help pay off some of that stuff pay them down on schedule and use that extra money to shore up your retirement funds you know in these cases here you're using money that the bank or the government lets you to help fund your retirement think about that another way is the very wealthy use a long term buy and hold strategy fully 85 percent of high net worth investors say they made their biggest investment gains through long term buy and hold strategies in which you buy investments and hold on to them for many years and they did this mostly using traditional stocks and bonds about 89 percent preferred this. Approach here then what they usually do though they'll actually buy specific they prefer to buy specific stocks and bonds rather than buy them buying them through mutual funds Warren Buffett himself has said money is made in investments by investing and not own but by owning good companies for long periods of time if they buy good companies buy them over time and they're going to be doing fine in 102030 years from now but also keep in mind work buff and really earn 90 percent of his money if there he turned age 50 and held his worn these days well he's in his eighty's early ninety's yeah Ok. And you know the money that they make tax conscious investment decisions more than half of high net worth investors agree that investment decisions that factor and tax implications are better than persone high return rates regard regard you know regardless of the tax implications so they're very tax conscious and that's because what really counts is the bottom line how much money you put in your pocket what really counts is the net pay how much you're truly netting after the taxes what's more dead tax management when your investments can lead to having to give up as much as he has sometimes 4050 percent of the money a while and that's true but you know average investors can he does have vice by investing their retirement savings in tax advantage plans like for one Kate or I raise saving for their child's college and a $529.00 plan or socking money away in a flexible spending account we should always consider tax free savings like Roth IRAs and cash value right majority of people underestimate cash value life insurance if we will get to talk about that a little bit in-city show well guys we got it we're coming up on another break here and Chris is not in that it's Ok to take a break so we'll be back after this break. Got a problem on the top side of the beltway on the outer loop it's an accident that's just after Charles Street looks like it's blocking a lane so we're going to start to see slowing as you come across from Providence Rhode heading towards Charles Street once you pass Charles everything's fine on the interleukin Pikesville good and just a little left over delay on the tour loop between New York and Providence Rhode Jones falls expressways clear from downtown up to the Beltway at the Fort McHenry Tunnel looks like delays have eased a lot now just a little slowing as you enter the tube Harbor Tunnel no real delays right now and a little left over delayed from 95 up to Wilkens on the. In a loop over on the west side I'm Mark Williams on talk radio 680 w. C.b.s. a Fairly quiet start to things this week here in the east we got rid of all the unsettled weekend weather and now are some nice weather through Wednesday or next chance for rain coming Thursday night into Friday light week temps and I got the 60 some sunshine today 80 a meteorologist Scott Larimore from the Weather Channel for Talk Radio 680 w. C.b.s. . Now keeping you connected with the latest news this is talk radio 6 t.v. w C b m n w c b m dot com Good evening I'm Michael philatelic in the 680 w. C.b.s. Maryland News Center u.s. Secretary of state Mike Pompei o says the Trump administration is intensifying pressure to get Iran to behave like a normal nation Pompei o spoke after the administration's decision to move an aircraft carrier group to the Middle East in response to what it said were threats of a possible Iranian attack on u.s. Or allied interests a top Republican on the House Judiciary Committee is calling a Democrat effort to hold Attorney General William Barr in contempt of Congress illogical and disingenuous Ga represent of Doug Collins that Democrats have launched a proxy war smearing the attorney general when their anger actually lies with President Trump and special counsel Robert Mueller the a.t.f. Along with Metro Crime Stoppers offering a $15000.00 reward for information leading to the arrest and conviction of the person responsible for the shooting of 2 children and 3 adults on Ramsey Street in South Baltimore on Friday night and blue crabs are rebounding in the Chesapeake Bay with an annual survey showing the highest estimated population in 7 years overall the bay wide crime population rose by 60 percent from last year and annual winter survey released by the states of Maryland Virginia shows almost twice as many juveniles as last year spawning age females have increased 2 in downtown Baltimore 73 degrees on Michael Philip Ellie 680 w.c. B.m. News. The Fox Business Network stocks a knock down but not out of the Dow falling $66.00 points and it's possible snags between the u.s. And China over trade but we did finish well off the lows of the session meantime drivers are still dealing with higher gas prices the national average for regular unleaded rising slightly over the weekend a gallon now costs you to $90.00 so are you an early bird when it comes to flying Well according to a new survey from transportation company go group 47 percent of women like to get to the airport at least 2 hours before flights only 39 percent of men like to get an early jump and job creators might want to look at Orlando Florida for the next creation according to a report from personal finance company Wallace Orlando is the best large city in America to start a new business that's taking into account things like overall cost access to financing and the office space of ail ability with the Fox Business reports I'm Susan. Hey my friends retail store was the victim of Io t. Password deft cyber criminals are taking over security cameras payment systems and other io t. Devices by exploiting vulnerabilities what if they target us in our dispersed network were secured with Barracuda we have advanced firewalls for our sites and had security for our cloud infrastructure in total e-mail protection such a relief protect your business record our your journey secure. This is critical the. First get. To the year every minute. In this. Case the time and solutions to get. To 661 who truly live with that state's retirement sort of stuff rather than the situation you know best to discover evaluate in the plane for the coming days. Police seriously get the money but the government in monthly check school Social Security rather knows how to sit down with you and lay out your future plans to. Join me for the Center for. Yours truly Saturday September 21st e.p. Is. Good for you to. Join rather role he would say for talking about solutions Thursday night at 6 pm and an encore Saturday at 1 pm and again a 3 now safe Retirement Solutions is all Sundays from one to 2 and 2 to 3 pm exclusively on talk radio 680 w c b m Maryland's wake up call Xan and Frank on talk radio 680 you see b.m. And w.c. B.m. Dot com Talk Radio. That. You're listening to Shaffer tyrant solutions on talk radio 6 a t w c b m and w c b m god sake Retirement Solutions is ranked as one of the top 100 financial radio programs in the USA Now more from Broad billowy why everyone here say for time the solutions radio if you're just joining us here what we're talking about today show edition of safer time and solutions radio is now the Barry wealthy the super wealthy are investing their money so let's we're going to pick that back up where we left off one of the main things that the very wealthy invest a lot of their money in isn't changeable as that's my friend Sean Hannity invest quite a bit in real estate that's his biggest holding you know roughly half of high net worth and Esther's say that they have some tangible assets investments and real. State a lot of them invest in farmland they can produce income and grow in time they'll grow in value over time and there are many merits to real estate as diversify or and then income source we're not going to get into specifics and today show but it's something that the very wealthy do and it's a valuable to have its title well rounded portfolio. However what makes up someone's asset allocation and asset classes that they use beyond the stocks and bonds that they buy it really has to be a more of a personal decision right are you feeling anxious about retirement are you nervous about the market what if you didn't have to be nervous or anxious confidence comes from knowing that you have a written retirement income plan many investors have been on edge because the because the markets have been increasingly volatile many are calling for even more of a volatility ahead with some expecting a serious market correction of 20 percent loss or more Wow let's you know you know we talked about that a couple weeks ago where if the what let's say if the market did take a 20 percent hit this year how much would you have to make up next year I think to to break just a breakeven I think it's about 30 some percent this yellow razor mouth doesn't make sense but it does make sense if you sit down to calculate and if you look at if you look at it on a paper a lot of people don't realize that the wait until we explain it to them right Ok so while it is a safer time saluted radio show we're showing you how the super wealthy are investing their money it's time for $1.00 of our fan favorite part of the show our They say segment where we debunk common myths half truths and sometimes bad advice that they say this is a really good one today so here's one they say that you only need term life insurance to protect your family or pay off your mortgage but is that how the superwealthy think about life insurance runs well. We all know the term life insurance is at least initially less expensive Right right yes but the rich then really is plenty of tricks to build their wealth and one of the most common ways for them to build their wealth that most regular guys most regular Americans don't even know about isn't that they invest heavily and cash that you life insurance policies you know there's a recent article on c n b c dot com that explains this and we've been telling people this for 20 years right 30 years 40 years permanent life insurance policies discuss in detail there's a recent book coming out too by Rebecca waltz or I got this book it's very valuable book well unbroken growing well uninterrupted by market crashes what permanent life insurance cash value life insurance it allows you to build savings not only tax deferred but tax free life insurance benefits right on late term insurance policies which are cheaper temporarily and have payouts that are only accessible upon death cash regulate nature of policies offer a cash value component which is accessed properly can provide tax free money when you need it yeah tax free tax free is sweet you know has this one does a t.v. Show and he said. Cash Value life insurance is the best thing in the iris tax code Danby you know there it's never a you're not going to pay any taxes with the death benefit No I haven't polled money out that you've already put in and it's not a lot of tackles I don't know how to do that you know you'd be surprised how many advisers don't know how to do that you know where you're is having work you invest a lot of money into an account basically over funding it and you watch it grow tax free and that's money you can access during your life time you don't have to die to collect That's a good point and. There are many different types of cash value life insurance policies there's whole life universal life indexed universal life but a permanent cash value whole life insurance plan is more of long term than with fixed premiums and death benefits whereas a Universal Life can be more flexible and one of my favorites right now are these new index policies that allow you know that or base your money on a particular equity index like the s. And p. The Dow the Nasdaq but. The shared benefit of each of each of these is the accumulation of cash value and I hear some good examples of the advantages of cash for a life insurance here's a really good one did you know that Walt Disney. Used the cash value in his life insurance in 1953 to help fund this nearly little while he did his 1st theme park and that was when no banker would lend him the money another good example is following the 1929 stock market crash the retailer j.c. Penny there really was a real j.c. Penny he took he think is the cash value in his life insurance policies to help meet his company payroll and at that time if he had not used the cash value of his life insurance to meet his payroll j.c. Penny would not be around today. Grandmother great example more recent Senator John McCain secured the initial his initial campaign financing for his presidential bid by using his life insurance policies as collateral went up you know if you're not officially at the time of your death his or her insurance payout is not taxable not taxes but what happened to the cash value part of the policy can vary sometimes the insurer actually gets to keep it for some time gets added to the death benefit depending on the policy and how you set it up absolute not to go point how it's set up initially that some of these plans are flexible too I had a gentleman came in to say me last week he's had his cash or a life insurance policy. For almost 30 years and didn't even know that he could use the cash value in his policy to supplement his retirement that's why you got a review think you can just buy it and put it away and you know whoever and his current advisor had no clue what how to do that I mean it's incredible Clyde I'm just telling you this stuff these knucklehead advisors out there they none of them surprise me anymore but anyway by not touching the money allows for maximum growth if you start putting let's say $2000.00 away into an account when your child is born by the time they're 60 years old they will have access to hundreds of thousands of dollars tax free for him and over all these accounts could be under the radar strategy worth considering wealthy people I had been using the Kennedys use this stuff very very wealthy people know about this stuff the wealthy have been creating a lot of wealth and cash value life insurance for generations you know have you thought about how much income you'll need for retirement and words going to come from do you have a written income plan designed to ensure that you have more than enough money coming in each and every month trust me hope is not a plan a plan is a plan you could probably use some help with a retirement or tarmon income in Elsa's we can show you how it may be possible to retire with morning call and more confidence through our exclusive on track retirement review process in our exclusive financial examination here as part of your on track retirement review we run a retirement income analysis because see how you may be able to maximize your income in retirement and what that means to you is that you could focus on enjoying retirement instead of worrying about falling short it removes the grey area wondering if you'll have enough to last take action now like Rise good friend Sean Hannity always says just get off your diet. Say that rat retirement review callers at 412661120 that's 412661120 if you don't have a written complaint call us and meet with the safe Retirement Solutions team for your own one track retirement review with our team and visit the website at sacred time at Solutions dot com You know that's a good point you know for a one k. Is not a retirement plan but Chris is making a face at it we've got more coming up on another break here this is safer time solutions radio exclusively on w c b n And we'll be right back after this break. Everything back to normal at the Fort McHenry and harbor tunnels no big delays north or south bound to have that one problem on the top side of the Beltway to crash just after Charles Street was going to see slowing started to Providence Rhode Island clear in Pikesville West Side all better on the outer loop a little bit of slowing at 70 and security on the inner move and the j. Effect looks good from downtown out to the Beltway also things very nicely out to right through town on 7 and up to Belfast on the Harrisburg expressway Mark Williams on talk radio 680 w. C.b.s. Hey Sean Hannity here do you want to retirement advisor that you know you can trust Well how would you like someone with over 40 years of retirement income planning experience someone who is fully vetted what would you like an advisor will look at your whole picture your social security retirement savings IRAs 4 a one K.'s and your pension with a retirement income plan for life well that's why you need to talk with my guy Rob Barolo we and safer time and solutions they now have offices in Annapolis and houses and I've met with Rod and listen he's the real real deal that's the good part call Rod now at 410-266-1120 that's 410-266-1121 the web at safe Retirement Solutions dot com Now you really can get an up front bonus and an income plan for life income that will last as long as you last no matter how long you live want to know all the details call 4102661124102661120 and you telling your friend your buddy Sean Hannity say you know we're ready it's more than a kitchen it's how some 45 morning it helps you start getting morning ready for traffic and weather together every time it. Our city school awarded $1500000000.00 then it shuts down where is this money going project Baltimore follows the money looking for answers we've been trying to get a hold of you and the shocking discovery we are uncovered points with trail of deception Dr break we asked you a few questions please tonight on Fox 45 news at 10 how you can determine who was ever listening America's favorite judges on the case yesterday no not actually I know why I'm coming out and just to say when she finds out what you think I just I can't self call I'm standing up for the truth so far I'm not doing a bad job right you. Can Judge Judy's we trust only for God and you a little bit I'm hoping that I don't want to. 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Downplay annuities right but why is that maybe because they want you to invest your money with them or maybe even lose it during the next bear market downturn now is that what you want or do you want safety certainty and security with your retirement nest egg if you want to find out how annuities really work well you can just call my guy Rod and his team at 412661120 that's 412-661-1241 the web at safer time and Solutions dot com Now you really can get a bonus and then income plan for life all robber Roee today for 10 to 66112412661120 on the web safer time and Solutions dot com Listen I've met with Rod he's the real deal so call Raj now 841-266-1120 now I'm your friend Sean Hannity So you stay connected and informed download the w c d m 680 mobile phone app for your smartphone I w c d m dot com. Safeword tire meant solutions expressly disclaims any warranty representation or inference that any offerings product or service promoted on materials reviewed by presenters are suitable for all consumers although the presenters make reasonable efforts to evaluate all materials on today's radio show the result of such a valuation is our opinion only safe Retirement Solutions is an independent financial services firm that helps people create retirement strategies using a variety of insurance and investment products investing involves risk including the potential loss of principle any references to safety security or guaranteed lifetime income generally refer to fixed insurance products never securities or investment products insurance and annuity product guarantees are backed by the financial straits and claims pain ability of the issuing insurance company. Under the view that. You are listening to safely Chairman Steele oceans on talk radio 6 a w c d.m. And w c b m God God safe Retirement Solutions is ranked as one of the top 100 for natural radio programs in the USA Now more from Rock n rollers the easy be getting it was like a big hit that there was a deal about 10 top 10 Yeah but if you're just joining us this is Rod parolee on here every week with safe Retirement Solutions radio don't forget our brand new show every Monday night so we're going to be on Mondays and Thursdays you know from now on right here exclusively on w c b s don't forget we're on Mondays and Thursdays from 6 to 7 following my friend Sean Hannity Show and replay we do encore performances every weekend so. You know it is possible to maximize your income in retirement while still minimizing your tax bill it is possible to protect portions of your life savings from work at volatility while still earning a reasonable rate of return listen you really can have a nothing come to last to the rest of your life and enjoy your retirement but here's the catch you have to have a plan that's what we help you with we provide that financial examination we help you with our income analysis and it's complementary all you have to do is come on into the office we will show you exactly how you can make a retirement plan that's going to grow when the market is up not lose value when the market's down give you a paycheck and preserve your present well as well as my good friend Sean Hannity says you need to take action to learn how you can retire on your terms and stay financially independent you know this could be the perfect start 1st getting your retirement plans on track and retiring on your terms you know even if you are or even if you're already working with someone it's a really smart idea to make sure you're not missing anything calls of 412661120 or visit us on the web at safe Retirement Solutions dot com You know many investors a villain is because the markets have been increasingly volatile many are calling for even more volatility ahead was some expecting a serious market correction of 20 percent or more so what should you do to protect yourself that's why we're sharing how the super wealthy are investing their money on today's safer tarmon solutions radio you know many many analysts are predicting there could be another bear market maybe around the corner. Why do they call it a bear market anyway you know I think we should ask our resident our very own bear ologist have with be a our bear of a just Mr wheat and explain to us Well you know believe it or not the term bear market originates with Pioneer bear skin traders because fur traders would hope to sell their bear skins at a higher place price then they pay for the Skins one other explanation according to Wall Street lure of bear attacks by sweeping its claws downward similar to the downward trend of a declining market Oh I like the Wall Street lore I like the 2nd one of them about yeah well you know they're both based in fact right now through how Florida stocks have to follow to be officially considered a bear market you know there are still some debate among market watchers about whether the downturn that lasted from July 16th to October 11th 1990 was officially a bear market yes and p. Fell $19.00 during that period the average bear market decline in the s. And p. $500.00 since 1929 is 39.9 So that was quite I was 20 percentage generally how often does that happen you know since 1932 bear markets have occurred on the average every 3.8 years that's 3 years and 9 months according to market research form firm I was tech research that should give investors something to think about considering the current bull market is now in its 10th year as we get that we had a pretty pretty good run yeah you know success leaves clues if you want to have to be better at something then you have to find someone who's better than you so that you can learn from them right now for sure and that's what we're helping with today because these markets aren't likely to be any calmer and the time soon. Least I don't think so you think that the markets are going to say you know they're going to be they're going to be all over the map you know there are several investing mistakes that the super wealthy do not make. Let's step through a few of these and to make sure that you're not making these mistakes either you should really check this out on Investopedia dot com the ultra wealthy. Known as ultra high net worth individuals make up a group of people who have net worth of at least $30000000.00 So they've got a lot of bucks in the bank the high net worth people those that these individuals consist of shares in private and public companies real estate investments and person was sets. Even the table assets we discussed before right you know what people with lower network look at these alter wealthy many of them believe that the key to becoming altar wealthy lies in some sort of secret investing strategy however this isn't normally the case the study author wealthy they understand the basics of having their money work for them and they know how to take calculated risks Yeah that's the key point there Clyde calculated risk knowing some of the outcomes and the words of Warren Buffett the number one investing rule is not to lose money and the ultra wealthy while their mistakes and they don't harbor deep investing secrets but they know what that simple investing what mistakes to avoid In fact many of these mistakes are common knowledge that we can share with you today and among them are investors are not particularly wealthy but the biggest investing mistakes they all from the wealthy avoid making. While developed countries such as the United States and within the European Union are thought to cover the most investment security the ultra wealthy look beyond our own borders and they look at Frontier and emerging markets some of the top countries by the way to the altar and that's the altar a wealthy look at investing in our comp countries like Indonesia. Chile and even Singapore of course individual investors should do their own research one their own homework emerging markets or talk to your financial advisor or consultant about that and decide whether they fit into your investment portfolios in your overall investment strategies Well you know what people think of investing and investing strategies stocks and bonds normally come to mind but not the op or wealthy again they avoid mutual funds whether this is due to higher liquidity or smaller price for their entry it doesn't mean that these types of investments are always the best . Instead the author was The avoid mutual funds and they understand the value of physical assets like real estate Yes and they allocate their money accordingly you know ultra wealthy individuals invest in such assets as private and commercial real estate Lynn gold and even art work real estate continues to be a popular asset class in their portfolios in order to balance out the volatility of stocks while it's important to invest in these physical assets they often scare away smaller investors because of the lack of liquidity and the higher investment price point well guys all good things must come to an end and well unfortunately rather time for this episode of safer time solutions but we'll be right back here next week 16080 w c b m will thanks again wait and they say you're ready but rather the fair ologist then Mr Clyde the voice and life bearable be your Thursday that's right will be Thursday and Mondays and repeat on the weekends every weekend and so yeah and remember the port of the day is never border commercial aircraft if the policy is wearing a tank top words of wisdom waiting will be back next week thanks. For your ear. Stay connected with stimulating talk and breaking news on talk radio 6 e w c b m Baltimore. The appeal heard. Fox News a ruling in the appeal of Saturday's controversial decision at the Kentucky Derby Fox is going all Scott has more lively so late today the Kentucky Racing Commission threw out Jerry West's appeal Fox affiliate w d r d in Louisville reports the commission told the owner of the horse maximum security that his appeal was moved to other jockeys claimed the maximum security impeded their path in the annual Triple Crown race track stewards review the tapes for several minutes before the race was official they have ventured be disqualified maximum security who finished 1st awarding the win to country house it's expected the commission's denial could be challenged in court going all the treasury secretary says he won't hand over President Trump's tax returns to the House of Representatives treasury secretary Steve minutia says the House Ways and Means Committee request for president trumps tax returns lacks a legitimate legislative purpose Committee Chairman Richard Meale has demanded 6 years of the president's personal and business tax documents citing a federal law that says the i.r.s. Shall furnish the returns of any taxpayer to a tax writing committee when you chanst a nihilist expected to trigger a legal fight Democrats have suggested issuing a subpoena to the i.r.s. Boxes out help out on Capitol Hill he's accusing them of Ray Nagin on commitments made in earlier talks trade representative Robert ly hisor says the administration will hike care of and $200000000000.00 of Chinese goods early Friday morning as a Chinese trade delegation expected to arrive in Washington Thursday to resume negotiations they later than originally planned we have learned from the negotiators here in the u.s. Side of the Chinese push back so hard that one would go she told parties it felt like the talks were somewhat moot.