Prosperity Thinkers

borrowing against life insurance, pros and cons of life insurance loans

Borrowing Against Life Insurance: 4 Pros and Cons

“A bank is a place that will lend you money if you can prove that you don’t need it.”  Bob Hope We’ve frequently asked the question, “Should you borrow against your life insurance policy or withdraw from it?” Today, we continue the topic of borrowing against life insurance by looking at the advantages and disadvantages […]

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Should you pay off a mortgage early? 7 reasons to keep a mortgage

Should You Pay Off Your Mortgage Early? 7 Reasons to Keep a Mortgage

Should you pay off your mortgage early, or use those additional dollars to save and invest? While the American Dream has been to own a home and pay it off completely, ideally before retirement, is that actually the best strategy? Let’s explore the benefits of a mortgage, why people like to own their home, and how

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how to do your own simple financial calculations, five financial calculators

How to Do Your Own Simple Financial Calculations for Free

The favored financial software here at Prosperity Thinkers is the Truth Concepts calculator suite. Full disclosure, the creator of the calculators is my (Kim’s) husband, Todd Langford. However, one of the many benefits of being close to the source is that I know how much work and principle goes into these calculators to make them

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Busting the scarcity mindset 3, the importance of presence

The Importance of Presence: Behind the Scenes of Chapter 3 in Busting the Scarcity Mindset

It’s time for the next sneak peek behind the scenes of our upcoming book on busting the scarcity mindset! Below is a summary of Chapter 3: Create—In a Be, Then Do Way. The Importance of Presence The title of Ram Dass’ classic book from 1971 states the first principle of creation: Be Here Now. Being

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3 concepts that make up whole life insurance

Whole Life Insurance: Making the Complex Simple

The French essayist Michel de Montaigne (1533-1592) sagely observed: “Nothing is so firmly believed as what is least known.” Although Montaigne’s comments are more than four centuries old, they still apply today—especially when the topic is cash value life insurance. In the United States, the first forms of cash value life insurance appeared around the

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