Articles for Our Clients
Welcome to Pacific Advisors
This site is designed with you in mind and contains articles in five categories related to wealth.
Protection
The articles in the Protection section of our library are to help you anticipate these issues, evolving your financial strategies to keep up with your life. So you have the strong foundation you need to continue moving forward.
Assets
The articles in the Assets section of our library are to help you orient, think, and care for your assets to further your financial strategies. The assets you have, and the assets you accumulate are the opportunity for Lasting Situations of Wealth™.
Liabilities
The articles in the Liabilities section of our library are to help you orient, think, and care for your liabilities that will ultimately affect your financial net-worth. Opportunities are created by some liabilities, obligations come with all liabilities, and threats can emerge with others. Learn how to recognize the differences to further your financial strategy.
Cash Flow
Each decision you make brings new goals and new financial challenges on your cash flow position. The articles in the Cash Flow section of our library are to help you anticipate these issues, evolving your financial strategies to keep up with your life. So you have the strong foundation you need to continue moving forward.
Philosophy
We provide this selection of articles to help you refine your own financial and lifestyle philosophy
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May 14, 2010
Your Economic Stimulus Check: A Unique Spending OpportunityIt was a singular moment in marketing history when the IRS spent $42 million on a mass mailing to advertise the government’s intention to give out money in the form of Economic Stimulus checks, starting in May of this year. There is no truth to the rumor that Ed McMahon and an IRS agent will be delivering large cardboard checks to lucky...
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March 1, 2010
The Quest for Relevant Financial InformationOne of the essentials of planning for anything is making reasonable projections regarding the future. If you’re planning a vacation in the Caribbean, you want to go when the possibility of a hurricane is slight. If you’re thinking about starting a business, you want to have an idea of the demand for your goods or services. If you’re going to invest, you...
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March 10, 2010
Malcolm Gladwell is the author of the best-seller Outliers: The Story of Success. The book attempts to identify both internal and external factors that seem to appear consistently in the lives of successful people. Rather than simply attributing personal success to ambition and hard work, Gladwell identifies other diverse variables, including the month of one’s birth, the era in which you were...
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February 15, 2010
I am a piece of paper, a drop of ink and a few pennies of premium.
I am a promise to pay.
I help people see visions, dream dreams, and achieve economic immortality.
I am savings.
I am property that increases in value from year to year.
I lend money when you need it most, with no questions asked.
I pay off mortgages, so that the family can remain together in their own home.
I assure people the...
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March 10, 2010
DEMOGRAPHIC TREND #2:Rectangular LongevityNotwithstanding the current depopulation trends in some developed countries, the world’s population has increased dramatically in the past century and is continuing to grow. In the 20th century, the global population nearly quadrupled, with annual growth rates peaking in the mid-1960s. The key factors: Advances in hygiene, medicine and living conditions...
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February 10, 2010
Ideas matter. The value of every statistic, every calculation, is determined by the ideas and philosophies to which the numbers are applied.
In the past several years, several trade publications have republished a short commentary on the essential elements of life insurance. Originally titled “Just a Life Insurance Policy,” this is a brief yet powerful statement of the timeless ideals that...
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March 3, 2010
The long-term nature of demographic trends means many factors in place today are set to play out in a predictable manner in the future. So while no one can precisely project the future, demographics often offer reliable paradigms for future trends.
DEMOGRAPHIC TREND #1: Depopulation of Industrialized NationsFrom an economic standpoint, two demographic categories figure prominently in long-term...
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February 5, 2010
Total-Return SwapsThe hypothetical trade in the 5-Minute Financial Thought is a simple form of a total-return swap. In a total-return swap, one party receives a guaranteed payment in exchange for surrendering all returns generated from their non-guaranteed assets. Sophisticated versions of total-return swaps are used by financial institutions, particularly hedge funds.
When they come to agreement...
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March 1, 2010
With most big-ticket items, such as a home or an automobile, there are typically two ways to complete the purchase: you pay cash, or you finance it. But did you know you have the same options when it comes to buying permanent life insurance?
Most people are familiar with paying regular premiums for life insurance, whether it is a term or permanent policy (such as whole life insurance). But...
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February 1, 2010
Often the biggest challenges most people face in reaching their objectives, financial or otherwise, are not external, but internal. For reasons we can’t entirely comprehend, great plans and good intentions are undone by our poor behavior. We may blame it on a lack of willpower, a character flaw, or even a psychological condition; regardless the explanation, we find we are our own worst enemy. And...
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