Deadly Retirement Planning

Deadly Retirement Planning

Deadly Retirement Acts Analyzed in This Article:

Deadly Retirement Planning, Saving for Retirement, Retirement Savings
  1. Number One Deadly Planning for Retirement Act
  2. The Number Two Deadly Retirement Faux Pas
  3. Deadly Retirement Planning Act Number Three
  4. Deteriorating Health is Very Deadly By Itself
  5. Yet Another Deadly Act We Might Face
  6. Deadly Retirement Subjects in Summation

The Act of Deadly Retirement Planning

Deadly retirement planning is not an actual oxymoron. It almost seems like it has something to do with morons. But we don’t like to, or need to, be mean.

Believe it or not, it is an actual, real-life possibility. And, it is happening, as you read this, to far too many people. A quick side note, deadly retirement planning doesn’t refer to funeral services either. However, by not planning for your retirement years, you will certainly set your retirement in funeral mode.

And, if surveys by AARP and the federal government are correct, there are plenty of folks in this country called America not taking the upcoming retirement years into consideration. Some of them are at retirement age. Others are closing in on retirement age. 

Sadly, at that stage of the game, it is a bit too late to have the light come on. They need a better idea and they need it now.

Number One Deadly Retirement Planning Act

The number one deadly retirement planning act on the list is: Not saving enough. So, if all the surveys I have seen are correct, retirement won’t be the golden years for these people.

Those surveys, by the way, also tell us there are people who have nothing saved for retirement. Can you imagine having absolutely nothing saved for a day you know is coming? I mean it is YOUR life we are talking about.

The only income source they will be relying on every month is Social Security. Imagine dooming yourself to a monthly pittance of 1200 or so dollars per month as your nest egg.

Incomprehensible to say the least. But sadly enough, it’s very true.

Now, you ready for the double whammy? What if all the Doom and Gloom prophecies are correct? And Social Security actually runs out. Hopefully this coronavirus pandemic has opened more people’s eyes to living life in the danger zone.

Ugh. I’ll be the first to admit, I’m certainly not jealous of that potential train wreck. Unfortunately it could be you riding that train. Get off at the next station and start remedying your situation.

Number Two Deadly Retirement Planning Act

Coupled with not saving enough or anything at all is the act of draining your retirement savings. You’ve set up a plan and contributed regularly. That is the good part. You started off on the correct foot.

Then one day you decide to drain the account. Your intention is to replace the money next month, next year or in the future. You may even believe what you are telling yourself is true. 

Whether you really believe it or not, your retirement savings pool remains drained. You have entered the danger zone and can’t find a way out. You dug yourself a hole and forgot to stop digging.

How Did I Get Here?

You may be wondering how in the world a person can end up in this particular situation. Consequently, the answer, more than likely, lies in the fact those folks never calculated a retirement savings goal.

We could call this:

Deadly Retirement Planning Act Number Three

They probably never created or set a goal. Because they found it too daunting to calculate how much they will require in retirement. They simply were overcome by the number of variables with which they had to deal.

After all, nobody knows if they will get ill and incur huge medical bills. Nobody knows if they will require long term care. The one thing they knew for sure, i.e. they will get old, they ignored.

In other words, nobody knows the future. But for those who gave these variables serious consideration they created a retirement program that can adjust to them. It is a retirement program that says what if. It is a retirement program that is partially if not totally flexible to handle almost any situation presenting itself.

This doesn’t mean the worst will happen. It means it is addressed and hopefully remedied via the calculated retirement savings goal.

Deteriorating Health – A Deadly Act All By Itself

One thing we can count on when we age is deteriorating health. Our health usually doesn’t simply denigrate in one fell swoop. It happens over time. And when it does it brings along something called health costs.

Given today’s health costs deadly retirement planning could mean bankruptcy or worse for some folks. That is not a preferred position to be in especially when programs exist to mitigate these costs.

Certainly, it is no secret health costs have gone up substantially over the last 50 years. Google health costs and read the data for yourself. It’s staggering.

Nobody knows if this coronavirus pandemic will leave lingering health problems. What we do know, is that we can financially prepare today. Just in case they smack us in the wallet tomorrow.

This means with the trend being in the rise direction people retiring today will face rising health costs. Prepare. Act. Adjust your savings account and mentality.

Long Term Care – Another Deadly Act We Might Face

I mentioned long term care costs above. The costs vary by where you live. Big cities on both coasts have extremely high long term care costs. That doesn’t mean those of us who live in between the coasts have next to nothing costs.

The current monthly costs range from $5,000 per month to over $8,000 per month. That is in America’s heartland for those wondering where the costs are so low.

Notice I said per month and not per year. By the way, Medicare doesn’t pay for long term care. So if you thought they do, your thinking is wrong. Reread your Medicare pamphlets and you’ll get a rude awakening.

What does that mean? It means you need to become familiar and knowledgeable in this arena. For example, the surveys of long term care costs says the average per year cost is close to $90,000.

A Conclusion Worth Considering

Hence these deadly acts lead us to a conclusion that shouldn’t be ignored. At least for those folks who are thinking ahead. Therefore anyone not factoring in the woes and wows of growing old will always be looking in the window. Subsequently, watching all the people who did prepare like a hungry stranger.

So go get your affairs in order. Take steps to protect yourself should you suffer any type of diminished capacity. Moreover don’t fool yourself into thinking it can’t happen to me.

So who do you think represents those numbers in the surveys? Yep, me and thee as they say.

I am not a lawyer or even play one on TV. Consult with a competent legal professional about the legal instruments you probably should have already in place. At least some time before old age sets in place. Above all the earlier the better I’m told though.

These instruments include wills, powers of attorney, trusts, durable powers of attorney for health care, etc. Don’t fall victim to the deadly retirement planning traps. So get off your duff and smell the old age winds heading your way.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.

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Financial Literacy

Financial Literacy

Given the amount of information available from numerous sources you might believe financial literacy is through the moon. Unfortunately
it is not the norm. For example, a large number of people did not know what bankruptcy was.

Recent surveys conducted by two of today’s largest financial product based organizations paint a bleak picture. Financial literacy is regressing
rather than progressing.

Financial Literacy

The surveyors were shocked to learn the groups needing the information the most are the groups who don’t search for it. It seems those who are financially ignorant like it that way. And they did not say that by the way.

Surveyors learned the folks who are already financially literate belong to the group that keeps searching to learn more. It would be ironic if it wasn’t so sad.

The Financial Literacy surveys were conducted around eight main areas:

  1. Earning
  2. Consuming
  3. Saving
  4. Investing
  5. Debt
  6. Risk
  7. Insurance
  8. Information Sources

It would be hard to disagree that these aren’t important areas. After all, they stare us in the face every day of our existence.

Earning

I cannot imagine someone not knowing how to read their paycheck. Some folks had no idea what determines their take home pay. Incomprehensible to say the least.

If this important financial document isn’t important to a person I can’t believe any other financial document would be important.

Consuming

All of us consume everyday or we wouldn’t be alive. But, not being able to articulate where you spend your money, and on what, seems out of place. Especially in today’s society. But the surveys say otherwise.

Saving

An easy concept to be sure. Yet some respondents had no idea how to get the biggest bang for their buck. In other words, they couldn’t tell how they
would maximize their savings dollars.

Investing

This is an area requiring more study than a subject like saving. So, may be it is understandable that respondents did not know how to evaluate particular investments. Or, understand the risk associated with each type of investment. However, those are not poor excuses for foregoing a cursory attempt at financial literacy.

Debt

An extremely easy concept to understand. Or so you would think. Above all respondents couldn’t express the relationship between loan features and repayments.

Duh!

By the way budgeting was out of the question when it came to debt for these respondents.

Risk

I realize risk begins most people’s days. It is called waking up to an uncertain world no matter how many times we wake up.

When it comes to financial literacy people couldn’t explain the degree of risk associated with an action. Or the degree of risk they were willing to accept with regard to a particular investment.

Insurance

Types of coverage is all a person really needs to know about insurance. Subsequently, no one has to dive into the inner bowels of how the insurance industry works.

However, it would be extremely beneficial to understand how your policy works regarding your particular coverage. So, what you are paying for and why
would be a good start.

Financial Literacy Information Sources

We live in the age of information. For example even the homeless have access to information. They simply use the library and government agencies.

Finding appropriate sources and asking for advice isn’t a giant pain in the posterior any more. To clarify it is open source to borrow Internet language.

And, in most cases, it is absolutely and completely without cost. Therefore, a person does not have to take one dime out of their pocket.

Financial literacy, like understanding financial definitions, equates to financial well being. So if you have it, your life is better all around. Subsequently, if you don’t have it, seek it out. You’ll make a better life for yourself.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.

Consumer Price Index and Inflation

Consumer Price Index and Inflation

The Consumer Price Index (CPI) and inflation are directly related. Although, the formula for calculating the inflation rate is relatively simple the truth is nobody gives a good gosh darn.

And maybe we shouldn’t given it is a government calculated number and the government actually tells us what it is for the year every year. In fact, watch any business show on television and you will hear the talking heads spew forth about inflation and the CPI.

Consumer Price Index and Inflation

It is helpful to know the agency responsible for computing the CPI and informing the general population of that number is the Bureau of Labor Statistics or BLS for short. They actually survey thousands of prices all over the country and formulaically compute the Consumer Price Index and the inflation rate.

For any index to be worth its salt it has to have a base rate to be used for comparison purposes. This means somebody or some agency sets that base. With the CPI it is the BLS and currently the base year for comparison purposes is 1984.

The truth is it wasn’t exactly 1984. What the government math wizards did was use the numbers from 1982 -1984 took an average and called 1984 the year the CPI was 100. Just like magic they had a year and a number.

What Does This Mean to Me?

What does all this have to do with me you might be asking. Well, maybe a lot and maybe nothing. I will say if you are a senior about to retire or are already retired this number is important.

You see, inflation eats away at your buying power. If something cost one dollar in the base year, 1984, but costs 1.98 today, inflation has eaten ninety eight cents more out of your nest egg.

It could get more complicated but why complicate a simple formula I’ll show you in a minute so you can break even with inflation. As seniors we face medical bills, taxeshospital bills. All the same bills pre-senes and younger people face too.

But what we don’t face is longevity to combat this bully called inflation. It simply eats away our money and we seemingly can’t shoo away the monster.
Year after year it nips at our heels.

Breaking Even With Inflation

Fortunately there is an easy to use formula to help us calculate the investment rate of return we need to “break even” with inflation. Expressed as a fraction it looks like:

Inflation Rate / 1 – Tax Rate

Obviously we need to know the inflation rate and our tax rate. I will assume the inflation rate is 5% and the tax rate (bracket) is 30%. Our equation looks like:

.05 / 1 – .3

Or

.05 / .70

Dividing we get this number: 7.14

7.14 expressed as a percent is 7.14 percent or .0714. This is the return we would need to receive to stay even with a 5% inflation rate in a 30% tax bracket.

We could have more fun with the Consumer Price Index and inflation but this appears to be enough fun for this article. Keep this formula in mind as you plan your retirement.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.

The Granny Gift Tax

The Granny Gift Tax

The Granny Gift Tax, Capital Gains Tax, The Gift Tax, The IRS

The granny gift tax is a cute way of saying the IRS subjects gifts you give to qualified receivers to income tax. Imagine that….. The IRS taxes you for being kind.

Well, isn’t that special?

In truth this tax is simply called Gift Tax. The IRS devotes a lot of words about this tax here:

https://www.irs.gov/businesses/small-businesses-self-employed/frequently-asked-questions-on-gift-taxes

They cover every question known to mankind on gift taxes on that page.

I call it the granny gift tax because grandparents and parents have been giving money to their siblings for a little longer than giving itself has been around.

The IRS came along in 1913. And, it’s been business as usual since. So when they recognized a good thing, they did what they always do, they taxed it.

The IRS isn’t a total Scrooge however since their rules allow, in 2019, gifts up to $15,000 annually per donor without either the giver or receiver having to report it on their personal tax form. If you are married you can give $30,000 to each eligible receiver without either party in the transaction suffering through reporting worries.

The rules are the same for same sex married couples. The granny gift tax cares not about your sexual orientation. The granny gift tax is an equal opportunity tax mechanism.

Taxes Can Have a Silver Lining?

This could be quite an estate planning tool for people with a high net worth. For example, assume a married couple has three children and each one of them is married. So, that makes a family of six eligible receivers.

Six times $30,000 equals $180,000. A substantial reduction in the size of the estate meaning the gifts reduced the estate’s value for taxing purposes. But, of course there may be more eligible receivers in this family tree thereby reducing the estate’s value for tax purposes.

The IRS does permit a donor to give more than $15,000. The worm in the apple is the reporting requirement. The receiver must report any amount over $15,000 and pay tax on this amount.

Above All Else, Always Take Care of Your Gift Taxes

Gifts larger than $15,000 should be coordinated with your estate planning accountant and/or attorney. In fact you should always consult a licensed, knowledgeable, competent professional. Running afoul of the rules could turn the gift from wonderful intention into sour apples. The taxman is the no excuses, non-forgiving type.

And, this doesn’t only apply to cash. But, securities, real estate, coins and all other assets. Any value over the magic base amount of $15,000 is subject to tax.

The granny gift tax has exceptions and exemptions. They will be covered in a separate article. The purpose of this informational resource was to point out the gift amount. And alert you to the possible tax consequence, should you go above the maximum.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.

A Social Security Tax Surprise

A Social Security Tax Surprise

A social security tax surprise are not the words a retiree or soon to be retiree wants to hear. Unfortunately, for all of us, this surprise is unavoidable.

People who have researched their social security benefits know their check could be taxed up to 85% of the benefit. Hidden in that tax scheme is the surprise.

Making matters unpalatable is the fact more than half of the people receiving benefits today pay the social security tax surprise. And, this is up from the 1 in 10 who paid the tax when benefits became taxable.

This statistic begs the question, how did we jump from 1 in 10 to 5 in 10? This because the government failed benefit recipients in a very crucial way.

The lawmakers failed to index social security benefits for inflation when they enacted the two tiered tax. This means the threshold numbers have remained the same since 1983 the year benefits became taxable.

You have just read a social security tax surprise. Are you surprised? Most people are very surprised.

Now, For Some Numbers

Those 1983 numbers will shock you given today’s cost of living. They are classified by how you file. And, there are only two filing categories, single or married.

Singles who make more than $25,000 and couples who report more than $32,000 can have up to 50% of their benefits taxed. The higher rates, up to 85%, kick in at $34,000 per year for singles and $44,000 for couples.

The two tax rates are not the surprise. The IRS makes those numbers known far and wide. It doesn’t do the same for the non-indexing for inflation faux pas.

If these threshold numbers had been indexed for inflation a social security tax surprise would not exist. The threshold for a single person would be $64,000 and a married couple would be at $82,000.

Pre-senes need to plan for this surprise. Already retired people can, of course, plan but they are already in the tax trap. The hole gets deeper when you turn 701/2.

Minimum mandatory withdrawal requirements kick in at 701/2. This means without careful planning you could be pushed into the 85% bracket when you start drawing from your 401k, IRA or other retirement account.

People not taking their required withdrawals not only face the surprise tax but steep penalties for not taking the withdrawals. This is a true triple whammy.

Quick, Taxing Thoughts

A social security tax surprise is definitely a retirement kick in the pants. All “WE” seniors are trying to do is file for the social security benefits we paid for.

However once you know about it you can prepare for it.

Rather than try to list all of the considerations the advice is to schedule an appointment with a SS rep at your local SS office. Or, in the alternative, visit https://ssa.gov and do an online search.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.

Claiming Social Security and Important Factors To Consider

Factors to Consider When Claiming Social Security

My personal factors to consider when claiming social security are different from yours. We both have factors peculiar to us. That makes sense and is intuitively obvious.

However out of the number of reasons on the menu there are several that are common to each of us. That’s only natural. The need for money for example is a common factor. Some of us may need it now while some of us can wait until we turn 70.

This article isn’t meant to be the end all be all for when claiming social security is right for you. The intent is to get your thinking process stirred up enough so you can make a plan that fits your situation.

It is obvious only you and your spouse, if you have one, know your situation better than anyone else. So it follows putting both heads together will probably yield the result you want or, at the least, is best under your particular circumstances.

One quick caveat would be is if you’re on Social Security Disability. In that case, you would automatically just rollover into regular Social Security upon turning 65. Not really any choice you can make.

Use the following questions as a starting point. Add to them if needed. Don’t be squeamish in your endeavor. It is your money you are considering.

Use These Questions to Help Figure it Out

If there are two of you one will probably outlive the other. Another commonality between us. Most people don’t like to even talk about that being the case. Mother Nature doesn’t talk about it either. She just makes it happen and leaves you to deal with it. So deal with it now.

Please don’t take anything I’ve said so far as a lecture. That isn’t my intent. I know I had to deal with it and I am tickled pink my wife and I sat down together and discussed our situation. In our case two heads were better than one. I was lucky and I want you to be, if not lucky, than informed.

These questions are general in nature. But, and this is a big but, they splash right into areas for which you you need to have serious answers. Here we go and, by the way, be honest to yourself when you answer the questions.

My initial thought on when to claim social security was:

Do You Need the Money Immediately?

To me, this is the most important reason to begin drawing SS at age 62. Nothing else really matters, right?

Like I said above it is your money. Spin this question as many ways as possible. If you come up with the same answer each time you have the right answer for you.

The second factor according to me is:

Are You in Good Health?

If you are in good health, the more advantageous it is to delay taking benefits. Advantageous means your monthly checks are higher. Claiming at age 70 gives you the highest payout.

Simply because 70 gives you the highest payout is not a reason unto itself to wait. I personally was in what I thought was great health. That changed when I had open heart surgery. Believe me when I say open heart surgery played a role in my decision.

The third factor to consider when claiming social security is:

Your Family History

Do you have a family history of people with unusually long lifespans or short lifespans? Short lifespans doesn’t necessarily mean you will die young but it is an indicator. Hence taking your monthly check beginning at age 62 might be the wise choice.

My wife’s family lives into their 80’s. My family lived to their 60’s. I’m in my 70’s. If I had relied only on family history I would have jumped on SS at 62. What’s your family history?

In this day and age taxes are a big factor, to me:

Tax Planning Reasons

is the fourth factor. Only you know your tax position and what would be the best answer for you.

Some people think their social security check is tax free. The real answer is a resounding maybe. The IRS in their empathy for the taxpayer has made SS almost tax free. The guiding light determining taxability is the amount of money coming into your house.

This article is not a financial planning nor tax planning article. You have a tax preparer who can answer those questions. Always consult with that person to learn the latest IRS rules.


Married individuals have additional considerations. The top 4 are a good starting point but survivorship, working spouses and age of spouse must also be considered.

Some Final Thoughts on Claiming Social Security

This isn’t the only article about considerations for taking social security. The Internet is full of them. However, the fact remains the first and best authority on when to take social security is you. Only you know your situation. That’s important.

I did not try to list all of the factors when claiming social security. If you have questions or want answers straight from the horse’s mouth schedule an appointment with a SS rep at your local SS office. In the alternative you can start the process by visiting https://ssa.gov. Their information is up to date.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.

An Important Social Security Factoid

An Important Social Security Factoid

The important social security factoid is: Actuarially Neutral (AN).

I can hear you asking, “What in the world is actuarially neutral ?” Good question. Let me answer it.

All AN boils down to is the simple fact the program is indifferent to whether people tend to claim benefits before full retirement age or after full retirement age. So, you see, on average the increase people receive from claiming later should be roughly offset by the fact they’ll receive fewer monthly payments.

An Important Social Security Factoid, Claiming Social Security

Stated another way, if a senior citizen starts his SS monthly check when he is 62 he is 8 years ahead of the person who starts at age 70. He will get less in his monthly check than if he waits until he turns 70. Because, actuarially speaking, he starts drawing his checks earlier. I bet you can guess what that means. You guessed right, it means a lower amount.

No One Alive Knows That

Obviously the kicker in this scheme is nobody knows when they will die. The person taking his monthly check could outlive the person waiting till 70. So, the larger check at 70 won’t mean a thing in the overall picture.

The government bean counters wanted to be certain everyone would receive as close to the same amount as possible over their lifetime. Hence they created a sliding scale with the first eligible age to collect being 62.

If both parties live to be 80 years old, AN tells us both would have received the same amount over the number of years they collected their Social Security. Of course the numbers will be slightly different based on income factors. But, in theory they will be close.

This isn’t a tome on factors to consider in enrolling into the social security program. It’s merely a brief explanation on the underlying thought/principle that went into constructing the payout schedule. For more factors you may also want to read: Factors to Consider When Claiming Social Security.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.

703 Retirement Plan

703 Retirement Plan

You may have received emails or seen ads talking about the 703 retirement plan. If you are like me, when you saw that weird looking retirement plan you wondered what the heck is it all about.

703 Retirement Plan, Saving for Retirement, Retirement Topics

As it turns out the author of the email or ad is using a clever twist of words to entice you to subscribe to a particular email newsletter. They can’t just say, hey, subscribe to my newsletter for $XXX a year because nobody would sign up. So, they use a bit of intrigue/curiosity.

The 703 plan is what the real investment world calls a Dividend Re-Investment Plan or DRIP. It has several moving parts.

The first is you must own a stock that allows you to reinvest the dividend into buying more shares instead of taking the dividend in cash. For example fictitious company JXN allows you to DRIP.

They pay a quarterly dividend of $1 per share. And you own 200 shares. Rather than taking the $200 in cash you use those dollars to buy more shares of JXN. As you might guess more shares means you have increased your holding. Plus your dividend will be larger next quarter because you have more shares.

And now for the second moving part. Most brokerage companies charge a fee to reinvest your dividend. Oops, you’ve just decreased the number of shares your $200 will buy. No worries. The 703 plan shows you how to bypass your broker and save the fee and/or commission charge.

Semi-Related Investment Info

All you have to do is subscribe to the newsletter being offered and you’ll learn the secret bypass method. Well, I say, simply click on this link or the title and download the information without subscribing to anything. I titled it, “The D.R.I.P.”.

And to bolster your investment library click this link, or the title, to get a second primer, “And Capital Appreciation Too”. Both are 100% free!

You are welcome to subscribe to our newsletter by >>CLICKING HERE<< but you don’t have to. Simply click the links in the above paragraphs and you’ll get the reports. It’s that easy. We think you should put that information to use whether you’re a member we email our newsletter twice a month or not.



Senior Outreach Ministries achieves it’s objectives with the capital we’ve either earned or received from donors. The Proud 2 B A Senior Ribbon for example. Donate $5, get a ribbon and help us help a hungry Senior Citizen in need. All proceeds remain in the Ministries to be used per our mission statement. We are a volunteer church. No one receives a salary or wage. Please help us help less fortunate hungry Seniors. We never have and never will ask the government for grants, funds or hand outs. Thank You in advance.