Zero 2 Rich

Investing to One Million Dollars or Bust!


What is with all of the work-at-home commercials and websites? Are they all connected? Is there some cookie-cutter get-rich-quick system out there now that has you putting up work-at-home websites, and commercials?
First I saw commercials for Then I saw commercials for, and it seemed to be suspiciously similar. Now I am seeing commercials for
What is the deal? They all seem to be work at home stuff. When I research who registered the domains, they seem to have been registered by different places.
It just all seems very wierd.

Do you need life insurance? If so, what kind?
I learned a long time ago not to believe everything an insurance agent says. They are basically sales people. And they may try to talk you into something that you don’t need just to earn a commission. When I was a kid, my parents bought me life insurance. Later on, the insurance agent guy talked me into switching to a different kind of insurance. I didn’t know what I was doing. I still don’t know the details of what it was about. But point number one…KIDS DON’T NEED LIFE INSURANCE!!!! Life insurance is for the benficiarys. Kids don’t have dependants! If a child dies, the parents aren’t going to suffer a loss of income from it. As a married man, if I die, the loss of my income WOULD be a hardship for my wife. So I now need life insurance.
But back to the life insurance agent from way back when. I belive that he was switching me from one type of insurance to another type just to stir up a commission. I didn’t need the insurance to begin with. And then I didn’t need to change to the different kind. My guess is the insurance was whole life insurance. Beware, many insurance agents are scumbags! Be aware also of all the hidden fees they stick in.
Today, I have term life insurance through my work. Whole life insurance is kind of an investment/insurance. I want life insurance for the insurance. I have plenty of other investment vehicles for my use. Whole life insurance is a poor excuse for a retirement investment.
As we grow older, and our investments grow, I will need insurance less and less. Lets say that when I turn 55, and our investments have grown. My wife will be taken care via the investments, and will not so much need the life insurance any more.
Before you buy life insurance, figure out whether you actually need it. If you die, will someone be hurt financially? Do you have dependants. Then figure out how much you need. If you have lots of outstanding debts such as a mortgage, and car paymetns, etc. Life insurance is to take care of your beneficaries. Make sure you have enough. Also make sure you know what you are getting. Just because an insurance agent tells you that you should have such and such, do your own research.

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The Federal Trade Commission (FTC), the nation’s consumer protection agency, has prepared a brochure, Your Access to Free Credit Reports, explaining your rights under the FCRA and how to order a free annual credit report.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

How do I order my free report?

You can order your free annual credit report online at, by calling 1-877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

When you order, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.

A Warning About “Imposter” Sites

The FTC advises consumers who order their free annual credit reports online to be sure to correctly spell, or link to it from the FTC’s website to avoid being misdirected to other websites that offer supposedly free reports,but only with the purchase of other products. While consumers may be offered additional products or services while on the authorized website, they are not required to make a purchase to receive their free annual credit reports.

For more information on free annual credit reports, read Your Access to Free Credit Reports.

Q: Are investment advisers required to have credentials?

A: While some investment advisers and financial planners have credentials — such as CFP® certification or CFA (chartered financial analyst) — no state or federal law requires these credentials. Unlike federally registered advisers, many states do require their advisers and representatives to pass a proficiency exam or meet other requirements.

Investment advisers and financial planners may come from many different educational and professional backgrounds. Before you hire a financial professional, be sure to ask about their background. If they have a credential, ask them what it means and what they had to do to earn it. Also find out what organization issued the credential, and then contact the organization to verify whether the professional you’re considering did, in fact, earn the credential and whether the professional remains in good standing with the organization. For information on various financial professional credentials and the entities that issue them, please visit NASD’s website and read Understanding Financial Professional Designations.

Q: What should I do if the financial professional claims that he or she is “certified”?

A: If the professional you’re considering claims to be a CFP® certificant, you should also visit the website of the Certified Financial Planner Board of Standards, Inc. to see if the professional is, in fact, certified as a CFP® professional and whether the professional’s certification has been suspended or revoked by the CFP Board. You can also call the CFP Board at (888) 237-6275 to obtain other disciplinary information about the professional.

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