Category: Financial Views


Radio Jack Warren San Diego Business Radio Personality | the Digital Revolution and Giving Control to a Foreign Power

Radio Jack Warren San Diego Business Radio Personality says “The Internet is the greatest resource to reach large numbers of people.”

Many people believe that you have to be an expert in order to do talk radio. Of course it helps to be an expert, but it really is not necessary. What is important in talk radio is that you are able to carry on a conversation, speak your mind; articulate a point of view that other people find interesting or helpful.

Everyone has interesting stories. That may be the story of your life, testimonials of fact or simply voicing an opinion.

Jack gives a for instance, “I am a former air traffic controller. I have an opinion about the disappearance of flight 370 in Indonesia. My opinion is interesting because it comes from a different point of view. It comes from the point of view of someone who talks to pilots.”

People will listen to that conversation because they find it is viewing the situation from a unique Perspective. Everyone has those kinds of stories they simply do not get on a microphone and articulate.

In the days before the Internet a radio conversation was, for all practical purposes, over and gone as soon as it was aired. Today, because of the Digital Revolution, that conversation can be recorded to an mp3 format and repurposed to reach the speakers exact audience.

Whatever social media a person uses, Facebook, Twitter, LinkedIn Or Google plus, that mp3 can be posted and played over and over again and can live for years.

We are all creatures of habit. We want things to stay the same. Unfortunately we’re living in a faster paced world. What we have experienced since the advent and consequent growth of the Internet is the Digital Revolution.

The digital revolution has even spread to the auto industry. They recently announced that AM and FM radio would now be an option rather than an automatic standard feature of new cars.

The Internet was conceived and developed within the United States. The controlling body of the Internet is ICANN (Internet Corporation for Assigned Names and Numbers. ICANN is a nonprofit organization that coordinates the Internet’s global domain name system.)

There currently is discussion underway as to whether or not to control as to whether or not to turn control of the Internet over to International sources, possibly to the UN. The pro position is that it will allow ICANN to become a global organization without US oversight. The Con position is that it will permit censorship by foreign governments, allowing the possible blocking or erasure of any certain domain name.

Jack is not in favor of turning over the Internet to international forces because the results of that turnover are unknown. Jack says “Freedom of speech is the cornerstone of our country and I believe it is a basic human right, not so with many other countries of the world. We have seen other countries shut down publishing, media and the internet or parts of it, such as Facebook or Google. They can shut down anything that does not agree with the government line. That certainly is not freedom of speech.”

See or read more about Radio Jack Warren at
And on CNN at

misha transparent

San Diego Fundraiser Mesha Tomlinson Helps Fledgling Nonprofits

San Diego Fundraiser Mesha Tomlinson was asked “My nonprofit is brand new, I am just starting, how can I accept money from donors?”

Before any nonprofit is established, and have their 1023 filed, any money they accept from a donor cannot be a write-off by the donor. A nonprofit in its infancy can accept donations and give a write off to the donor if they have a fiscal sponsorship by a qualified nonprofit which will carry their nonprofit exemptions until they are able to file their own 1023s and file their own taxes, the 990’s for nonprofits.

Any donation over $250 must have a letter of containment, basically a “Thank You” letter.

A startup nonprofit must understand that grants and scholarships are not available to them when they are just starting. Those will become available when the nonprofit finally does start filing taxes. The IRS wants to see a track record before the nonprofit applies.

Profits from the proceeds of a fundraiser may not be used for such things as salaries. All proceeds must go to the beneficiary of the fundraising event and cannot be used to pay overhead. All expenses must be paid before any money is collected.

There are two types of nonprofits. One operates with all volunteers and the other is a Foundation.

Mesha’s mantra is “Mistakes are what we call our experiences. Discovery is what we call our achievements.”

Read more about Mesha’s views on nonprofit fundraising by visiting

Small Business Trendsetters


Joe Madden San Diego Insurance & Financial Specialist – IULs No Risk of Loss

Joe Madden San Diego Insurance & Financial Specialist, had a long career as a football coach in college and in the NFL. As most dynamic individuals, Coach Madden could not just sit and do nothing in retirement.  Mr. Madden has transformed into Financial Coach and a big booster of Index Universal Life.  The following is a reprint of the article that appeared in The Small Business Trendsetter on line magazine.  See that article here,

Imagine a world where you could set money aside for retirement and not worry about losing any of it.

One of the best kept secrets in retirement planning today does just that. It’s called an IUL, Index Universal Life. The IUL is based on the stock market index of your choice, Standard & Poors or the Dow as examples. The IUL is based on whole life insurance, but instead of the cash values accruing at a given rate, those cash values are tied to the index you choose. If the value of the index goes up, you get paid. If the index goes below your purchase price, you do not lose.

As an example, your IUL let’s say the Cap is set at 15% and the Floor at zero. If the index gains 20% the insurance owner will profit 15% growth in the cash value. In the following year, the index games 8%, the gain will be 8%. The next year, if the index goes negative the insurance owner will not lose a dime. There is a floor of zero so there will not be a market loss.

Because the investment tool is Life Insurance, the gain is not taxable and the gain is compounded year after year. And, as Albert Einstein said, “compound interest is the eighth wonder of the world”.

The problem for the person planning for their retirement stems from misunderstandings of how Life Insurance works. Most people only consider life insurance as a death benefit to their heirs. They do not realize the many living benefits of a life insurance policy, compound interest being only one of many. Your tax attorney or your CPA can explain the tax advantages of Life Insurance.

Starting in the early 60’s people have been told “Buy term insurance and invest the rest.” Arthur L. Williams, professor of Insurance and Real Estate at Penn State University complete(d) a study regarding the fate of term insurance policies. Two of the facts discovered in this study are; less than 1 policy in 10 survives the period for which it was written and only 1% of all term insurance resulted in death claims. Professor Williams says, “the odds are 100 to 1 against term insurance ever paying a death claim.”

Another major problem with term insurance is the fact that term life insurance periodically your policy must be renewed which requires a physical you may not qualify due to a recent development in your health such as high blood pressure, high cholesterol etc. You may have already reached a point in your life where you can no longer afford the premium because your age prohibits you from purchasing life insurance.

Another major misunderstanding is Life Insurance provided by an employer. It is almost always term insurance and has no value in planning for retirement. Ed Slott, nationally recognized expert on retirement funding says,“People don’t think to save outside of work (for retirement)”

Read more from Ed Slott here:

Read more about Arthur L. Williams, professor of Insurance and Real Estate at Penn State University and the study on Term Life Insurance and the study about Term Life Insurance here:

Joe Madden, San Diego Insurance & Financial Specialist, is a retired College and NFL Coach (with the San Diego Chargers 1989, on special teams) who now specializes in IULs. Mr. Madden can be contacted at his office, 312 Highland Ave., Ste. 200 in El Cajon, CA 92020 or by telephone, 619-230-8850

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