Archive for August, 2010

What You should do if you Win the 266 Million Dollar Mega Million Dollar Lottery


A while ago there was a great buzz on all the social media networks about the 266 million dollar mega million dollar lottery. My Dear friend Jenn Byrd posed the question on facebook and most of the responses centered around, giving to charity, giving to famly, investing for the future, disconnecting phones and hiding from friends and family. So here is what I would do.

Take the lump sum of $165.2 million. The lottery offers either payments or cash up front. News flash $266 million over 25 yr is worth much less than $165.2 million now. A bird in the hand…as the saying goes. If you do this correctly you will be providing for your grandchildren’s grandchildren.

First rule – Protect your fortune from taxes and lawsuits

I would put myself in the enviable position to own nothing but control everything. This is important. If I don’t own it I can’t be sued for it. I don’t want houses and cars and businesses in my name. Don’t worry, I still call all the shots but my assets will be owned by entities not me.

Second rule- take a minute to learn the rules of investing

What is taught as financial literacy today by investment firms is hot garbage. Exposure to the stock market is the easiest way to go broke quickly. A proper investment is one where you can not lose money, returns are guaranteed, there are no penalties for using your own money before 65, there is liquidity and control, it is lawsuit protected, you can leverage it to create more wealth, tax deferred, tax free on distribution, and transfers to heirs tax free upon your death.

Third rule – sometimes the best way to keep something is to give it away

The tax laws are great for wealthy givers. I will sit down with an estate planner and a tax planner(not a tax preparer) They can create a structure that will allow you to give money away to charitable organizations and still get some incredible benefits from the money.

Fourth rule- love is unconditional, giving away money isn’t. If you are going to give money to family make sure it is paid back.

The way to make sure money is always paid back is to get an insurance policy on the life of the family member I lend money to. Remember this money isn’t my money its my grand kid’s grand kids money so its got to grow and be there. Everybody is going to die so why not have a million dollar policy on all family members to fund the family trust. The proceeds are completely tax free and sure to pay off because we all have to go sometime. Having large policies on the whole family allows you to take a smaller amount of money and turn it into a huge payoff in the future. If that money goes in the family trust the interest can provide trust fund payments to heirs for generations to come.

BTW, these things are what you should do even if you didn’t win the Mega millions. lol


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Do you want to know Exactly where to Invest for a Huge Return,Now?


Most people would say that it’s hard to know in such a crazy market how to best invest capital for a great return. What is going to get you and your family to the point that you can be assured of a great retirement, send your children to college, and help your parents if they need you in their senior years? Is the market about to implode or rally? What happens to your family if something tragic happens to you? Is your advisor  informed enough to guide you through the next three decades, is there anyone you can trust?

The answer to all your questions is right totally obvious, if you make the right critical investment right Now. Waiting to make this move would be worst than a market crash but if you want true security you have got to act right this minute. 

Where to invest your money right now is really not a very complex question, the real question is where do you invest your time. In my opinion right now is when you must invest your time and energy into obtain a great financial education. Please don’t take that lightly. Not having a great financial education is what got most people here in the first place.

People invest lots of money before they invest hardly any time and then they are confused when things don’t work out as planned. I have been that person invested to the tune of millions, so don’t think you are they only one who put the cart before the horse.

Making money fools most people into thinking that they know something about investing money. The truth is being good at making money means only that, you are good at making money. That skill is what saves poorly financially educated people from some of the pain of losing because we just go and earn more money. What if you could be a great earner and a great investor? Is that possible, of course it is. And all that is required is an education.

Great News, since we don’t have unlimited time to spend wandering through the field of financial knowledge. I will share with you the six things you need to learn, right Now!

1. What is the history of the stock market? When has it gone up and down for long periods of time and why?

2. What is the history of taxes? When have they gone up and down and why? Learn how the wealthy avoid taxes totally on their long term savings. This is huge because it helps you keep for 30% – 50% more of your money in the future.

3. How do you properly cover your three biggest exposures? those exposures are lawsuits, loss of income due to disability, loss of income due to premature death, tax consequences of improper transfer of assets to heirs.

4. How do you properly measure return on investment and how do you properly gauge how your holdings have performed? I have never seen this done properly BTW. There is an 90% chance that the total return on a properly balanced portfolio is actually negative for the last 11 years. Check it out. 

5. Why do only 2% of term insurance policies ever pay, and a 100% chance of eventually dying? This is huge because knowing the answer to this one can set you financially free.

6. Why is it that saving 15% of your income and never taking any market loses virtually guarantees a good retirement?

So what about understanding stock, bonds, mutual funds, buying on margin and all that other fancy stuff. Fancy stuff keeps most people broke and you need a firm foundation. It is great to understand that stuff but if you want real security start with the answer to the above questions.

I bring the best and most knowledgable educators I can find to answer those simple questions and help people gain a firm foundation on which to build their family’s future. This weekend I will have Tony Brayboy of Matrix Wealth LLC as our guest speaker at our wealth breakfast and workshop. Space is limited so register today!

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Giving 10% to your faith and community is a Great Idea, but are you breaking the LAW?

Yesterday I had the most refreshing conversation with one of the wisest people I have had the good fortune to know. We were discussing why so many givers seem to be so broke. We had both seen many people of all faiths who were great tithers but had very little in the way of personal savings. When asked most of these people would tell you that they strongly believe that by being faithful in their giving they are activating a law that multiplys their blessings and their prosperity. They always take their first dollars and give back so that they can stay on the right side of the LAW.

When you look at the financial results in their lives it seems that the Law is not working but in actuality it is working perfectly. My wise friend showed me that the Law is at work but unfortunately they are multiplying by Zero.

The problem my wise friend explained is that they are not saving anything in their personal store house. They may be giving back to the church,mosque, synagogue, or community center but they are paying themselves nothing. If there is nothing in the storehouse then there is nothing to multiply.

People who are not saving are not allowing the Law to work in their favor and thus always will remain broke. If you get income and give it to the mortgage company, car company, daycare, private school, electric company,telephone company, and charity,and do not set aside at least 10% for you then the law can not work for you. You are multiplying by zero. As the song goes, “nothing from nothing leaves nothing.” 

Giving is good in fact it is great but you must save so that the law can work for you in three important ways.

 One, saving adds to your mental security. Being broke causes undo stress and will shorten your life. Always being one emergency from a disaster is a hard way to live.

Two, When you have capital stored up it will attract great opportunities to multiply your resources. How many times has opportunity passed you by because you did not have the or the education to take advantage of the situation.

Three, when you mix a great financial education with capital reserves you get an effect that can change your whole existence and change the life of your family. Bringing financial wisdom into your home and teaching sound principles to your children with have a generational effect. If we are going to teach our children the Law then we should make sure we understand the whole law because when kids see you giving and still not being prosperous they won’t believe that the law of giving really works. But if they see you giving and saving and then they see the multiplication of that savings they will be happy to follow the law.

Are you in compliance of the Law? Are you giving and saving or are you multiplying by Zero?

What are your thoughts?

Mark Fuller

Wealth Management and Marketing LLC

410-484-2717 office

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If you have less the 40 yrs. left before Retirement you need to see this, NOW!

There is a myth floating out in the financial world that over the long-term the stock market returns 10% or better. Well consider that from 1999 to 2009 the market returned a whopping .08%. If you where 50 yrs of age or older how will you make up for making no money for a decade. how can you make up that decade even if you are 40 yrs old. Whats more important, how will you make up for not making money for the next decade. I know you heard the recession was over and because your retirement account needed that to be true you breathed a sigh of relief. Let me give you the actual and factual truth in a picture that has nothing to do with my opinion or anyone else’s. Look at the picture and tell me where we are headed for the next decade.

click to enlarge


This chart shows the last 100 yrs in the stock market. The green area shows bull markets where the economy and the stock market were growing. The red area shows secular bear markets which is when the market goes a decade or more and basically finishes exactly where it started.

I hope it is not lost on you than every bull market was followed by a much longer secular bear market. Much shorter bear markets were followed by 11,16, 17 year secular bear markets.  We just came out of the longest bull market in recorded history 18 yrs,  7 yrs  longer than any other bull market in history.  It would stand to reason that we are headed for an at least equally as long bear market to get us back in line.

Notice we are only 10 yrs into the secular bear market. Are you prepared to go another decade without making money in your retirement accounts? Look at you balance asset portfolio in your IRA or 401K and you will see that you account reflects what this chart shows.

Also notice that on the  graph even in the red never stays flat so people stay in because every now and then the market shows signs of life and they are convinced to ride it out. But in the end it ended right back where it started and the only money in most people’s retirement accounts is the money they contributed.

I’d love to help point you in the right direction and get you the help you need to stop going decades without making a profit. My company works with the smartest investment advisors, accountants, lawyers, and mortgage planners and we can get you the information and education you need to thrive.

How will you beat the Bear!

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Financial survival is a matter of the proper response to the facts – We are in for a Double Dip

At some point common sense has to prevail. All the factors for a Double Dip recession are in place. The most glaring are the jobless recovery and the fall in home prices. People are still hoping it doesn’t happen but they should be putting themselves in a position to survive not matter what happens. Check out this great article.

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The Federal Reserve is going to give America bad news tomorrow!

 When the Federal meets tomorrow and everyone is projecting bad news. There is just too much going on in the market for it to be good news. The Federal reserve, a private company is the largest creditor of the United States of America and it also controls the money supply. Guess what folks they want their money back now. We are about to get squeezed and the stock market will hate it. Protect your money now.

Read this:

If you want to understand how to protect your family from whats coming then watch this webinar today. Education is the key. You can choose not to get by the next wave of pain.

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When it comes to building Wealth Buffett is willing to invest in a sure thing!

Why is Warren Buffett and Berkshire Hathaway buying up the cash value policies that people want to surrender? Its simple, its the tax free return on investment. The chances of everybody passing away is 100%.
Warren Buffetts rule number 1 is never “Don’t Lose Money” and rule number 2 is “Read Rule Number 1”

check out this article on Cash Value insurance.

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