SoCali4niaInsurance- Brian J Stidham

Short Video Topics

Short Educational Video Catalog

Four Categories to choose from:

  • Circle of Wealth
  • Wealth & Wisdom
  • College Funding
  • Personal Economic Model

Circle of Wealth

Your Circle of Wealth
What is the first thing that comes to mind when you think about what will have the biggest impact on your ability to accumulate money for your future?
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Retirement Ready or Not
Perhaps this question has crossed your mind more than once as you consider your financial future. There are many issues surrounding this question and one of the first steps to finding the answer is to evaluate where you are today.
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Opportunity Cost
You need to discover some of the challenges that you will have to confront in the very near future. If you know certain events are going to occur you can prepare for them now.
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Spender, Saver, Wealth Creator
Which one are you?
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Maximize Your Deductions
When it comes to paying taxes we all would rather pay less than more. However unfortunately some of the things we do end up making us pay more than we are required to pay.
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The LUCK Factor
When it comes to our money there is no such thing as luck, however this little play on words may provide a good piece of information for your thinking.
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Driving Your Future
You may be surprised to find out that you are driving your future to work every day. The sad truth is that for many American’s they will lose more money financing the cars they drive to work than they will accumulate in their lifelong savings accounts.
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Avoiding the Losses
There are really only two ways that one can help you financially. The first way is to help you find better investments that can potentially give you higher returns. The second way is to help you become more efficient by avoiding losses.
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Standing in the Tax Line
Given the option of earning more interest or less ,we are all in favor of earning higher interest rates on our investments.
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The Income Game
Do you think there are people who pay more tax than they have to pay? The tax law ,tells us what taxes must be paid. We are not required to pay anymore. There is a difference between tax evasion and tax avoidance. It is about 5 years in the federal penitentiary.
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Evertthing You Know, You Think is True
When it comes to understanding money and how it works it is quite easy to be persuaded that the things you hear are true may not be true at all.
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Calculating your Income and Wealth Potential
Over your lifetime you will earn a great deal of money. You may be surprised when you look at just how much you will earn over a lifetime.
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Interest You Earn vs. Interest You Lose
Most of us are well aware of the interest we are earning or not earning in the money we have invested. What little time we spend thinking about how our money is doing is usually all spent on what is our rate of return, how much interest am I earning.
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The Cost of Procrastination
When it comes to putting money away for our retirement it is easy to believe that you have plenty of time to take care of it. It is an interesting thing about life that it seems to creep along looking forward, but flies when you are looking back.
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Average ROR vs. Real ROR
Average does not mean the exact same thing as real.
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Wealth & Wisdom

Money Matrix
By discovering the Money Matrix you will develop a thought process that will not only aid you in your everyday financial life, but that will also become the foundation for the major decisions that you will need to make in planning your financial future.
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Transfers of Wealth
Did you ever spend money you didn’t want to? Did you ever spend money you didn’t have to? When someone tells you that they can get you a higher rate of return, who is the one at risk, you or the person making the recommendations?
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The Next 3000 Days
You need to discover some of the challenges that you will have to confront in the very near future. If you know certain events are going to occur you can prepare for them now.
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An Uneasy Awareness
Your economic situation is a matter of choice, not a matter of chance. Misguided and self inflicted, many decisions are made with a lack of knowledge.
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The Defining Moment
What you know today will determine where you will be five to ten years from now. Understanding the challenges you face in the next 3,000 days is critical.
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The Business of Learning
Many times the public can become confused about what is good sound advice. This has a paralyzing effect on the average person’s ability to make necessary life decisions. Information and a decision-making thought process are required to make such decisions.
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Owning A Home
Representing one of the largest transfers of wealth in your life is your home. Owning a home is part of the traditional American dream. Purchasing a home can turn into a nightmare with sleepless nights and difficult decisions.
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Taxes
According to the Family Research Council, since 1948 for a family of four, taxes have increased 1250%.
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The Family Legacy
Imagine all the opportunities in life that have passed you by simply because you weren’t aware of them. There may be an opportunity right in front of you that you just don’t see.
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Misguided Wisdom
Many of the financial lessons that the average American uses today are based on “what you have been told to think” not “how to think”.
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The Thought Process
It is difficult to get the right solution when you’re starting out with the wrong premise. If you center your future around a false belief system, your life will be the result of what you believe.
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Insurance
A wise man once said “if something has no value then don’t insure it.” Unfortunately, many believe that to receive benefits from a life insurance policy someone must die. This is not always true.
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The Charitable Legacy
If it were possible to do the things in life you wanted to do – without spending one more dime than you are already spending – would you do them?
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College Funding

Private or Public
We all learned in grade school science that the part of an iceberg visible from the surface is but a minor glimpse of the entire mass. The same is often the case when it comes to college.
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Cost Of College
The actual cost can vary wildly, with some states averaging more than $20,000 per year for public institutions and private schools pushing $35,000 per year and higher.
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Timing is Everything
When and where to start are key questions on the minds of most parents preparing for the college funding years. In fact, the birth of a child is the best time to start saving for college.
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One Year Degree
Many parents will find themselves making financial decisions with respect to college funding with a focus only on the first year or the immediate financial impact.
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Most Expensive Year
How much will you and your child pay for their college education? Although the question should be one that has an obvious answer, the unfortunate reality is that it is difficult to pinpoint an exact amount.
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How Much is To Much
There is no doubt that the cost of a college education can be a challenge for most families. The question that often arises is “How much should we pay”?
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College Then Career
The cost of attendance, including tuition, room and board, books, fees and other miscellaneous expenses can range from several thousands of dollars per year to more than $50,000 per year at some premium institutions.
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Personal Economic Model

Do You Know
You finance everything you buy! When you read this you may have said to yourself, “I don’t finance anything, I pay cash”. Paying cash is financing, it is self-financing if the dollars you are spending were previously set aside for your future retirement lifestyle needs. stand.
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Human Nature and your Financial Future
From time to time it is easy to yield to the temptation to buy something we want for our current lifestyle robbing from the money we have put away for our future. This purchasing strategy can be very dangerous because of what is known as “Human Nature”.
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Recoup vs. Recover
If you invest in something and sell it for pennies on the dollar years later, the financial loss is just as real but it provided no benefit what so ever.
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Before You Buy Consider All Costs
Suppose you want to buy a new car. I am sure you have spent some time crunching the numbers to see if you can make the payments work in your budget. Hopefully you have also considered the increased cost of the insurance on the new car as well as the fuel costs.
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Pay Cash or Finance
We have all grown up in America with the dream to be debt free which is a good financial position to be in. There may be some confusion on what debt is and what it is not.
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War Between Current and Future Lifestyle
There are so many “Current Lifestyle” distractions that can divert your focus from your primary mission which is to balance the two opposing positions.
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Financial Warning Signs
Warning: If you have to borrow from your Future Lifestyle for a Current Lifestyle expense you could be heading for trouble. Warning: If someone or something can take it from you it is not really yours. To arrive safely at your desired future financial destination make sure you obey all the warning signs.
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Three Different Purchasing Strategies
How you pay for things along the way can have a big impact on how much money you have down the road.
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Zero Financial Line
Many of the financial lessons that the average American uses today are based on “what you have been told to think” not “how to think”.
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Problems with Consumer Debt
You may be saying to yourself the problem with debt is no money. You would be correct but the problems are not only limited to those who do not have any money.
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Problems with Paying Cash
OK, we all know debt is a problem but how can paying cash be a problem? In order to be able to pay cash one must be a saver which is a problem for many.
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Collateral Capacity
I am sure you are familiar with the term net worth but do you know your collateral capacity? Some people can tell you exactly what their net worth is today while others are satisfied with just knowing about where they stand. Do you know your net worth? Knowing your Collateral Capacity could be just as valuable.
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Toughest Financial Questions
If you are serious about your financial future you need to know the answers to these four questions.
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Balanced Financial Approach
Like many things in life our financial position works best when it is in balance. Understanding what balance looks like can go a long way in helping you achieve that balance.
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Your Income and Wealth Potential
Your income potential represents the amount of money you can expect to flow through your hands over your lifetime. To calculate you take the amount of income you make today, adjust that amount for inflation over the remainder time period of your working years.
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Human Life Value
Perhaps this is a term you have never heard before. It is most often used in a conversation between lawyers trying to settle a claim in a legal battle in a wrongful death suit. Human Life Value is an attempt to determine the value of one’s life from an economic perspective.
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The Tax Filter
According to the Family Research Council, since 1948 for a family of four, taxes have increased 1250%.
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LIfestyle Regulator
If an increase in cash flow could help your current financial position maybe you should “reverse” your thinking about a reverse mortgage and give us a call today.
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Major Capital Purchases
For most of us our monthly cash flow is somewhat regular meaning we know about if not exactly how much money we will have coming in each month. We adjust our standard of living to that amount and everything seems to run pretty smoothly until something major comes along.
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Questions or Comments

I welcome your questions or comments.

Thank you!

Contact

brians@socali4niainsurance.com 

(951) 204-2745

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