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When it comes to investment and calculating returns many people still get it wrong. Whoever said that one plus one equals two was correct in theory; however when it comes to actuality this theory only holds true after you finish the equation. Remember when your math assignment turned into a thesis written in some foreign language? You know pre algebra, algebra then the harder math classes such as geometry, trigonometry and calculus. Well these topics are the rest of the story.

I never really started to understand the importance of math until one day I sat attentive in a seminar. It was the first time I had ever been exposed to the theory that marketing for any business is built on a geometric scale that grows both in a linear and exponential proportions. Well it hit me like a ton of bricks. I knew before I attended this seminar and right then the reassurance of the presenter’s statement that this was also true for the growth of money. Anything that has the ability to grow works in this way. Here these two examples are true in both practical application and theory for these very same reasons.

You know an annual percentage return may be the number that was grossed in performance; the net effect of your performance will be based solely on your other implicating factors such as your total gross income, business income, tax basis, tax sheltering, margin of transaction fees, as well as your compounded cost of living and inflation. You wont have the same outcome as another individual with different circumstances; even if you both had invested equal amounts and had matching portfolio picks. Gross performance would be equal but those outside factors would equate to different results.

So your net return is the number that will get you to your destination. You need this number for a true and clear view of your path; what adjustments you need to make for both short and long term planning. Now that we have the vision of the bigger objective we can work it backward to see where improvement is needed. You’ll need to analyze your curent situation to take measurement of your current timelines for personal items such as your retirement, children’s college, trusts and charity contributions, cash needs with a preemptive costs basis analysis for items such as long term cash requirements, medical coverage, dental and vision care, travel, entertainment and those necessity items we dream about.

Once you have the data, facts and figures your reporting will give you the solved for X answer. With that number you can get a clear view of the amount of returns your investment needs are; hint, the longer the term of the investment the larger the returns need to be to cover long term capital principle reduction and taxation factors. The shorter the investment the larger the returns need to be for accelerated growth.

Are you starting to see a pattern here; your returns need to be large enough to cover expenses as well as having the consistency to perform in the most volatile market conditions as well as in good times.

When searching for these investment vehicles what are the key indicators you need to look for, longevity, strength, overhead reduction, tax sheltering capability and overall strong returns. Only a small handful of these vehicles have proven strong enough to make their claim to fame. Over all in the industry a ten percent ROI is an average marker, you can get fixed returns in the five to nine percent all day long.

Strong performance; commonly called millionaire rates of return because they will grow your capital much faster and create more wealth for your than the base rates. Banks typically give out zero to two percent on their checking, savings or money market accounts. Some give slightly higher your next step up is into cd’s or bonds and mutual funds, again these are low risk low reward. Annuities pay fixed and variable rates in this same range.

After this you start moving in to the stock and commodity market here you can make slightly higher returns with more exposure because your betting against the company leadership, sales and performance you have no control or inside information to guide your decisions only a boring prospectus to help you try to understand how things were in the company until print date.

For more aggressive options you have both risk driven and reduced risk exposure factors involved. Personally I prefer reduced risk in most of my long term investments. This way I don’t have to keep watching every second, I use compounded interest plus high rates of return with investment vehicles that provide consistent performance so that my stress as well as market risk are tremendously reduced.

Millionaire rates of return earn enough of positive return to compensate for those influences we all have to bear. Essentially millionaire rates of return are in excess of twenty percent per year. So if you can imagine your money growing three percent or twenty to thirty percent or more per year you can get the idea. It’s like filling up a twelve ounce glass with water with an eye dropper or using the faucet. Which one are you going choose?

You could use a fire hose but you might blow your glass off of the counter, you could try the raging white water yet again you may lose your glass and or your entire ability to reinvest in a new glass after you lost it. You see too much or too little power in your portfolio could have an adverse effect. Your choosing of assets need to be specific to your requirements not those of a financial advisors pocket book.

Make sure you understand how everything fits together in your life before you make those critical decisions. Have you received proper education and feel comfortable that this is what type of investment you need. Make no doubt about it everyone needs to become immunized and protected from financial disaster and financial illiteracy; it’s an epidemic in society that eats people alive. It’s robbing them of their youth and vitality and turns everyday average people into bitter, sour and grumpy citizens miserable with the out come of their life.

All due to the choices they made about money and the choices they made handling money. You have the choice to land big huge profits or meager profits that leave you grumpy. Get your financial affairs in order know before it’s too late. Make smart educated choices and learn from and like the master of profit potential on ways to hedge against capital reduction and extinction. Make the best choices you can for every situation to attract what you both want and need to prosper and grow.

Search for those hidden and less known investments then research them until you have answered all of your questions, have proof that it works for all those involved and make the choice is this right for you? Go ahead do it then wait for your performance returns to show up strong and make you proud.

• Recovering from bankruptcy isn't as difficult as you may think I hear this cry from many people worried about their financial circumstances after they have decided that bankruptcy is their only alternative when it comes to recovering from financial hardship. I'm not an attorney yet I work very closely with them in my real estate business. On many occasions bankruptcy......
• How to Maximize Your Earning Potential Maximizing your earnings isn't rocket science. I've said it a thousand times before and I will continue saying it another thousand times more. It takes basic discipline and pratice to overcome any obstacles in life. First off you need to know where you are by taking a good look at your......
• What's the cost of financial failure What's the cost of financial failure? I had never given this a thought until I had experienced financial hardship in my own life. People never give reason or rhyme to why they have served themselves a bad deal. When financial crisis occurs you wouldn't even begin to imagine the costs......
• Bank short term CD rates are a joke The lure of a 1/4 percent difference between certain investment vehicles can be an alluring attraction. When you weigh the difference between choices you feel empowered by making the right decision. However if you never knew the facts  and alternatives outside of the bank your in for a real surprise.......
• The Ultimate IRA Report The approval is final I finally got the okay to post the Equity Trust Article I mentioned last week. I spoke to their professional network coordinator and racked up some huge decision making ideas along with the invitation to contribute articles for their monthly reading audience. I now have a......

• Free Money Management Tools from Google When it comes to managing our money and investments, creating financial plans, or analyzing our retirement portfolio, I'm all about the free stuff. There are lots of online money management tools around. Google has them as well. I like them because they are easy to use and can be found......
• Five Ways Using Quicken Will Make Your Finances Simpler Many people are a little intimidated about the idea of using financial software to track their expenses. Even the term “financial software” calls to mind thoughts of spreadsheets and complicated budgets. In reality, though, deciding to use Quicken can make your finances much simpler than you ever thought possible. Quicken......
• Money Management Questions and Answers How can money management techniques be applied to my life? - The first step is to realize that you could possibly have an overspending problem. This is the number one reason why people get over their head financially. You can easily consult with a money management counselor that will help......
• Understanding Investment Returns for Retirement Planning One of the problems that many investors have (and that I used to have) is how to interpret and practically apply investment return data published by the mutual fund companies. I frequently read statements made by uninformed investors about historical annual rates of return that cause them to be over-confident......
• Book Review: Common Sense On Mutual Funds I began my personal finance education by reading Suze Orman's "The Money Book for the Young, Fabulous & Broke" to get a good overview as I began my personal finance journey. I then read two books on investing in the stock market. William Bernstein's "The Four Pillars of Investing" and......

When the economy is in turmoil and there is little reassurance that stable ground is hard to find. You’re looking to find a place to lay your hard earned principle down and grow; you want to know that when you make a purchase your value didn’t decrease and liquidate to nothing. Your future is a stake in a high stakes game of survival. It’s a dog eat dog world, best man wins type of situation.

Your fighting the battle between good and evil when it comes your financial affairs. Just like the Roman Empire came to an end with extensive amounts of bloodshed, violence and torture. Warriors went head to head with their opponents. Now you need to put on the same fierce ready for battle attitude and get ready to fight.

Your entire future is at a point where the wrong move will cost you the battle and possibly the war. You can’t afford to make a wrong move. This is where careful strategy, planning, using the time tested arts of war on your investments will not only prepare you for battle; you’ll have the upper hand every step of the way.

Now choosing your battles are a wise method for gaining the upper hand in any situation. You need to in this case size up your own ability in the areas of risk tolerance, emotional stability, willingness to hang in there when the going seems rough. This is where due diligence, preparedness and facts all come into play. You calculate your risk before you ever place a soldier into the battle field.

Next you surround and corner your opponent on all sides knowing there next moves before they do. You also have every obstacle covered due to you cunning. This is where your preparation comes in handy. First your exit strategy, when this event takes place when do you jump in and when do you jump out?

Having an exit strategy before you head into battle also has your future mapped out; you know why you are going into battle you need to know what and when you’re going to get out. Never jump in without an exit strategy. Here is where you factor in your loss risk, inflation, costs of living, tax benefits, liquid access and next playing field options.

You also need to ensure your soldier are strong, conditioned and well trained to endure extended battle; they must have the ability to resist market fluctuation and volatility. The daily bloodshed can wipe out many warriors in a single event if your unprepared. You can never know every single move your opponent will make. You will however be prepared for an ambush, ready to make the necessary adjustments as needed.

Spreading out your warriors is also a very important aspect to a successful strategy, diversifying and hedging are two common ways to reduce the risk. The most common hedge is in the real estate market where you can earn multiple streams of income off of a single asset.

These streams help to produce an influx of new warriors into the playing field which in return aid in the overall conquest of financial freedom. You’ll gain both appreciation and cash-flow although sometimes these can be a break even or negative situation they still aid in your over all financial picture.

A second way to hedge against your enemies commonly known as loss, taxation, market volatility and corporate dissolution or bankruptcy is to recruit a secondary army or multiple cash accounts spread across several sectors in the market place. ETFs and mutual funds are common here. These aren’t your foot soldiers here. They are your chariots, your knights on horse back all converging together in hundreds or even thousands of battles all across the war zone.

Together they fight off the constant rise in living costs due to inflation, food, fuel and taxes. They are the driving force after your foot soldiers have mapped out the terrain and taken surveys of the land topography. Your eye’s and ears in the battle field. They get in, get out and provide the ability to win the war before it’s ever fought.

Then you have the big guns, the Trojan horses and catapults, your long term plans, your future capital. Your retirement, your estate plans and your beneficiaries are all counting on the proper execution of this battle plan. Here is where you need the giants to come in and wipe out your enemy quickly while trampling onto victory without hesitation.

Crushing blow after crushing blow you defeat your enemies growing infinitely stronger as you continue to battle. Collectively your forces are unstoppable even with some inadvertent crushing blows received from an opponent you will be able to withstand them without losing momentum. You need a proven method for winning wars. Just as military history is an essential read for running a business; it’s equally important that you knwo it for your own business of personal financial responsibility.

You owe it to your self to make a stand and stay off the defeated list. In todays economic chaos you can’t afford to sit back and watch your life’s savings become depleted or lose your home in the wave of foreclosure mayhem, mortgage meltdown and credit crunches. Not only that stocks are falling like rocks to all time record lows, employers are cutting back or going out of business almost daily.

Giants who have stood tall through early depressions and recession are crumbling like the Roman Empire did so many years ago. Disappearing into history to never be heard from again. When giants fall you know your safety is uncertain unless you make the changes necessary to protect your self now. Get ready to fight, train with the experts who will guide you in the proper battle techniques and strategies that you will embrace with new found respect and honor. Let’s get ready for war.

• The perpetual money machine The armor shield of protection for your self and family protection must be impenetrable to enemy forces. A Trojan horse of strength and attack, An M-1 tank in resistance strength, and the agility of an aerodynamic fighter jet, your first line in defense against attack of ones livelihood or......
• What's the cost of financial failure What's the cost of financial failure? I had never given this a thought until I had experienced financial hardship in my own life. People never give reason or rhyme to why they have served themselves a bad deal. When financial crisis occurs you wouldn't even begin to imagine the costs......
• How to Land Investment Returns You Can Take to the Bank When it comes to investment and calculating returns many people still get it wrong. Whoever said that one plus one equals two was correct in theory; however when it comes to actuality this theory only holds true after you finish the equation. Remember when your math assignment turned into......
• Recovering from bankruptcy isn't as difficult as you may think I hear this cry from many people worried about their financial circumstances after they have decided that bankruptcy is their only alternative when it comes to recovering from financial hardship. I'm not an attorney yet I work very closely with them in my real estate business. On many occasions bankruptcy......
• Is fear really holding you back from the true wealth you deserve Funny sounding and actually quite appropriate for this time of the season. With Halloween right around the corner, the leaves turning red, orange and yellow. The sight of monsters, goblins, creepy and eerie things that you only find in horror films. Isn't that what this month's tone happens to......

• Money Stress? Why You Must Tame Your Money Worries Before You Can Improve Your Financial Situation Money stress comes in many forms. But it all comes down to worries about not having enough money. Maybe there are more bills than you can handle. Maybe you can't afford what you would really like to have. Maybe you're not getting a fair salary, or you've lost your job.......
• 10 Things To Know Before You Buy Commercial Real Estate Contemplating the purchase of your first (or next!) piece of commercial real estate is exciting.  Many investors start their real estate portfolios by owning single family homes - assets that are generally more time-intensive to care for, and which offer less cash flow as a general rule.  The switch......
• What the American Banking Sector Could Look Like After Obama's New Regulations The following is a guest post by Mark Brown who writes about personal finances for an Australian website where consumers can compare credit cards including a range of low rate credit cards that make managing money easier. It appears that the banking industry has pushed the American public, and......
• Protecting Your Investments In Times of Economic Crisis The United States economy is currently experiencing a serious financial shake up. No one really understands just how deep or how far reaching the damage is going to be, but what we do know is that there is going to be damage, and that we are going to be at......
• Customer Intimacy and Empathy are Keys to Innovation "Above all, we know that an entrepreneurial strategy has more chance of success the more it starts with the users -- their utilities, their values, their realities ... the test of an innovation is always what it does for the user...it is by no means hunch or gamble. But......

We have made history in this great nation called the USA. Our 1st African American Presidential Elect has made the grade. Emotions have been soaring over the outcome of our 2008 Presidential Election, people from across the globe have poured out into the polls for their first time.

The voting process here in California has not seen such a turn out in almost 100 years. This is a monumental event in time I can assure you. However this also come with great fear from small business owners, who will first hand see the new shape of our Country’s Political agenda.

Now there are two things I never like to discuss that’s religion and politics but since the season is upon us an dthe historic events around all of the political measures is of great concern to every American, I feel the need to share withyou some of the issues we as small business owners are going to be faced with.

Check out this post from my friend Clayton Makepeace. He is an awesome individual who shoots it from the hip and he always tells it like it is… Go read Claytons article titled “For men and women who still dream.”

• What to do after you become wealthy SO you've made it, that "pie in the sky, pipe dream" your friends always said would never amount to anything. You know when you went out to talk with your associates, close friends and family for input or advice. All of your hard knocks, bloody knuckles, sweat and tears combined......
• Using the power of the Internet and social media for a challenge I haven't been posting regularly for the past week and a half, in fact the last article I wrote was posted about using social media to enhance your real estate business. Since that writing I did after attending that seminar I have had rapid changes come to me in the......
• Grimm forecast on retiree finances. I love the news the contradictions are often so plain to see they could get over looked. For example these next two posts are about retirement living and the differences of opinion about money. For example in this article the writer opens up and states that approximately 60% of......
• Wealth And Wisdom Go Straight To The Dogs A dogs keen set of senses and perception are amazing, whether you believe in it or not, the old story; "Everything I Ever Needed to Know About Kindergarten, I Learned From My Dog"  applies to much more than just kindergarten. A dogs unique set of senses are an extraordinary example......
• What’s Your Social Economic Profile You’ve heard the news, read the stories and even seen the victims of devastation as the economic crisis spins out of control. You hear a different story on every channel on the television. A new family crisis, a new company going under and of course a new bailout plan......

• Golf Profile for Ryan Patrick Armour Ryan Patrick Armour was born on February 27 in 1976 and is an American Professional Golfer on the PGA Tour team. He attended Ohio State University, and earned third team All-American honors in 1998. In 1995 and 1998 he was selected to the All-Big Ten squad, and also played in......
• 26 Exciting Home-Based business ideas! [/caption] Everyone would love to work from home. In a troubled economy, many may even be forced to find a way to earn a living on their own terms. Here's a list of 26 great home business ideas to start. Tutoring. Tutoring is a good recession proof home based......
• Socialism is not a Good Idea Regardless of Angry and Incoherent Comments [/caption] WARNING POLITICAL RANT - I apologize beforehand this post is nothing more than a political rant.  If you don't want yet another view, end your reading now, try one of my other posts that are based on facts and tax law and not opinion like this one, or this......
• Ten Martin Luther King Jr. quotes [/caption] On MLK Day, Let's remembers 12 Martin Luther King Jr. quotes and his 'I have a dream' speech. Martin Luther King Jr. quotes on love, justice, and human purpose changed the way America – and the world – thought about race and demonstrated the power of nonviolence to overcome......
• weekend roundup, odd sign edition It's hard to believe that there's no football this weekend, but it's all for the best - cries of "We stomp you out" are still ringing in my ears. The presidential race should provide enough sports-like excitement for a while. I got to vote and I am still somewhat......

When it comes to investing many individuals are leaving more money on the table then compared to the profits that they can realize. Loyalty is the simple practice of being true to your self and to your needs. Just like with a friendship you cannot go out and do bad deeds to those you hold near to your heart.

When it comes to your investments yo need to know when to hold ‘em, know when to fold ‘em, know when to walk away, and know when to run. You never count your money when your sitting at the table, there will be time for counting when the dealings done.

A little nostalgia for those who remember the gambler. Getting back to the issues at hand your loyalty to your investments directly reflects your overall success with your investments. Too many times people are influenced by the latest and greatest trends on the late night evening news or a friends recommendation without ever doing their own due diligence.

Speaking of the gambler are you risking your future profits by gambling on the next big thing? Part of your loyalty to successful investing is stick to your guns and knowing that you have put your investments to the litmus paper test.

Making sure that your choices are financially sound, safe and profitable. Leaving a minimal risk for loss. Land banking is one of the most loyal investments to it’s investors due to the fact that land is less susceptible to market and economic fluctuations.

We have seen the effects of emotions, unloyalness, investor jitters along with many other influences that are non human in some cases. Company performance and profitability along with decisions based for growth or repositioning has a direct effect on your stock picks dividends. The same goes for mutual funds, bonds and all the other intangible asset classes of investments.

Way to many factors come into play. Even in traditional real estate investing has it’s pitfalls when you place simple human emotion into the mix. The amount of rehabbing done, the types of appliances, fixtures, carpet, paint and so on.

When you design your rentals for your lifestyle you typically lose. You usually don’t recover the costs for beautifying your rental units. Again this is why human emotion has to be removed from the equation, staying loyal to your analytical research findings is the surest way to successful investing.

This is why your loyalty has to be true to not only your financial advisor or individual investments it must be true to your hearts desire. You have to know what you want going in and how long your willing to stay, as well as the most important question how will you ever get out.

Exiting too early or too late can be just as huge of a devastation as impulsive investing without the proper knowledge. Also building your portfolio with only one type of investments is a sure way to leave that all mighty dollar on the table. You need a mixture of real estate, liquid investments, and some alternative sources to enhance your portfolio.

Precious metal, semi-precious stones, debt instruments, real estate, stocks, bonds and mutual funds are the typical investment classes. We are also given choices of bank savings accounts, cd’s, money market accounts, IRA’s and various other platforms to choose from.

When it all boils down at the end of the day you have to be able to live with your decisions and sleep well at night. These are the traits of being loyal to your investments and true to your own needs. If you can stick to one course of action and follow your game plan you are sure to win.

Dropping your guard, straying away from your own morals and ethics even for a moment is a sign of not being loyal. You have to stick with your decisions and stick to your guns. Now get busy reacquainting your self with your portfolio investments. Then get intimate with them.

No one else but you knows where your loyalties lye. Bank on the fact that you can land on your target with some guidance, understanding and patience.

• The Golden Rule It's an outrage what we as consumers are being offered today. Not only are we in weak economic standards. Our savings and deposit records are at an all time low. It's no wonder when our choices offered to us for growing wealth are all in favor of the bank or......
• What's the cost of financial failure What's the cost of financial failure? I had never given this a thought until I had experienced financial hardship in my own life. People never give reason or rhyme to why they have served themselves a bad deal. When financial crisis occurs you wouldn't even begin to imagine the costs......
• Back In The Business of real Estate and Mortgages To my loyal readers I have made the switch to add mortgage and real estate services back into the mix of products I provide. I am still very much into the land banking business. As a real estate investment coach it is imperative that I take advantages of the current......
• Wanting to invest into real estate but your afraid of losing your employment More and more people are fearful of job loss with unemployment rates reaching new highs 11.5% unemployed rate it's no wonder people are holding back. We have not seen an unemployment rate this high since 1941 during WW2. You want to take advantage of today's great low real estate prices......
• What's The Difference Between Rich And Wealthy? Is It Simply Black And White? WARNING THIS VIDEO CONTAINS EXTREME LANGUAGE/ SLANDER/ AND ETHNIC SLURS VIEW AT YOUR OWN DISCRETION!!!!!!!!! I really debated before putting this on the blog today, I really don't want to offend you the viewer so if yo're easily offended then I suggest in order for you to return as my......

• Carnivalsup There are two great carnivals up this week:  first, The Carnival of Personal Finance at Money, Matter and More Musings  and  the Carnival of Money Stories at I've Paid For This Twice Already.  As always, I'm grateful that my posts were included, particularly since the editing process seems to be......
• Investing in Canada's Real Estate Market With the Bank of Canada holding interest rates at 0.25%, some are saying that Canada's housing market is overheating.  Housing starts are up 21% over 2008 and building permits are up 18% (which are forward-projections). At the very least, it is a sign of the strength of the Canadian housing......
• Building Wealth Sip by Sip What is a systematic investment plan?A systematic investment plan is when you instruct a bank, an investment company or your financial advisor to buy a particular investment product, usually, a mutual fund at regular interval for an equal amount.Systematic investment plan have proven to be the best and simplest......
• Index Fund Investment FAQ I believe index funds should form the core of everybody's investment portfolio.  There is a time and place for actively-managed mutual funds, to be sure, but I believe they should play a supporting role to the index-fund-dominated lead.  The following index fund investment FAQ is meant get you acquainted with......
• Finding the Right Bank A big portion of how you handle your finances will have a lot to do with the bank that you choose. In most cities, you should have quite a few choices, and with internet banking, it’s never been easier to find a new bank. However, before you open an account,......

You’re on autopilot, but you need to check the speedometer. Your target date is set and the funds have been sold as a kind of autopilot for your 401(k) plans, freeing workers from ever having to look at their retirement accounts.

However  the funds inside of these autopilot accounts may need to be looked at with more intensity.

These funds leave the invetor open to widely various amounts of risk. Also the amount of fees charged to these funds for management vary significantly.

taking control of your retirement needs to be your first priority, secondly simplification of your investments needs to be a primary priority.

Get involved and educated

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• Preparing Your Finances for Battle Against Risk and Loss When the economy is in turmoil and there is little reassurance that stable ground is hard to find. You're looking to find a place to lay your hard earned principle down and grow; you want to know that when you make a purchase your value didn't decrease and liquidate to......
• FICO 08 What Does This Mean To Your Credit Score I found this article posted by National Home Loan Advocates. I find this to be critical to your success in building a solid understanding around credit and tyhe importance it plays in your future. Enjoy your read and keep htis article bookmarked for safe retrieval on your desktop. FICO 08......
• A proven formula for a better retirement The issue of retirement has been surfacing around the social media and content of conversation for sometime now. One of the most outstanding issues is the fact that the corporate pension and retirement plans are going by the wayside. Individuals are being forced to take control of their retirement portfolios.......
• Loyalty within your portfolio are you faithful with to your investments When it comes to investing many individuals are leaving more money on the table then compared to the profits that they can realize. Loyalty is the simple practice of being true to your self and to your needs. Just like with a friendship you cannot go out and do......

• Finding the Right Bank A big portion of how you handle your finances will have a lot to do with the bank that you choose. In most cities, you should have quite a few choices, and with internet banking, it’s never been easier to find a new bank. However, before you open an account,......
• Roth IRA: To Convert or Not to Convert In 2010, anybody will be able to convert funds from a traditional IRA to a Roth IRA, since the $100,000 MAGI (modified adjusted gross income) restriction is eliminated. Given the opportunity, the question is whether is it makes financial sense to do a conversion or not. In most cases, I......
• Did you forget your RMD this Year? All may not be Lost One of the Planner's asked me an interesting question the other day, What can we do when someone doesn't take their Required Minimum Distribution? Before we get into my research, lets start with the question, what are RMDs? Like I have said in the past, when you have a question like this......
• Saving With Purpose: The College Savings Fund This is the second post in a series called Saving With Purpose: Living a More Intentional Financial Life. In this series, I plan to highlight a number of specific savings goals my family has identified we would like to achieve over the next few decades. Before having kids, both my......
• Stop The Retirement Ripoff - Interview With David B Loeper Have you wondered how good your retirement accounts are? Is your retirement money getting eaten up by fees you don't see?  With the way the stock market has been the last year many people have seen their retirement portfolio's nosedive.  Many people are no longer confident that their retirement savings......