I don’t come from a rich family and don’t know any wealthy people to borrow money to invest.

You'll find you'll go from zero to wealthy much faster in a SFR fixed to the ground than a fancy sports car that passes everything but a gas station and depreciates twice as fast.

This vivid description is super helpful getting me to stick to my diet.

I also, am not willing to put out 14 grand just like that because I am not wealthy obviously.

You would essentially abolish student loans and would need to pay for college with cash which would then continue the divide of the upper and middle class because only wealthy kids could get educated.

Also, interestingly to note is the fact that Italy is the third place in the world where the wealthy move to and buy property.

Heck, sometimes people who are wealthy have a hard time admitting a change in landscape. 

They have their address and phone # with a contact name in the ad.The ad also says that these are ALL accredited investors (5 million wealthy investors) that they do an email broadcast out to.As a result of your email campaign they then take the calls and screen them according to what your company is looking for.They might open their mail because of 2 things: It is from someone that they probably know (Nimmer Law Office) and might have done business with in the past;and it is an email letter and not a snail mail letter.They are not sending out a list, they are sending your ad out to their list of high wealth investors, according to the ad.This ad has been sent to me several times by a company called Breadstreet dot com.Scott

thanks for all replies . trust me im not looking for an easy way out, just a starting point. to take ur analogy for dieting, its important to see what diets work for others and then try them for yourself otherwise you could go through alot of dead end diets wasting your time and money

And best of all, clients can change their IPF allocations as their needs change, so they are never locked in"Wealthy people have bought permanent life insurance for over 150 years for many reasons.Here are 12:The perfect retirement plan - 12 features1.The plan should allow for tax-deferred growth2.The plan should provide for income tax free withdrawls3.The plan should earn competitive returns as much as possible but still have guarantees.4.The plan should allow any taxpayer to put in as much money as they want.5.The plan should provide a taxpayer to use the account as a collateral for a loan.6.The plan should protect against market losses.7.The plan should assure access to loans should the taxpayer need money before age 59 1/2. 8.The plan should allow for these loans to be paid at the taxpayers discretion, at any rate of repayment or even not paying them back at all.9.The plan should be protected from creditors.10.The plan should eliminate early withdrawal penalties, late withdrawal penalties, and excess contribution penalties —- there just shouldn’t be any penalties at all.11.The government should continue the contributions to the plan at the same level the taxpayer was contributing if the taxpayers should become disabled and cannot continue to put money into the plan.12.The government should accelerate the expected retirement account balance to the taxpayers family if the taxpayer dies prior to retirementIf you compare these characteristics of an ideal plan and compare it with a Roth IRA, you can’t do number four, put in as much money as you wantyou can’t do number five, use it as collateral for a loanyou get to number six, protect from market losses (see rider above)you can’t do number seven, assure access to loans before 59 1/2you can’t do number eight, allow for loans to be paid at the taxpayers discretion or not at allyou can’t do number nine, be protected from creditorsyou can’t do number 10, eliminate early withdrawal penalties, late withdrawal penalties, and excess contribution penaltiesyou can’t do number 11, making the government continue the contributions to plan at the same level the taxpayer was contributing if the taxpayers should become disabled and cannot continue to put money into the planlastly, you cannot do number 12, the government should accelerate the expected retirement account balance to the taxpayers family if the taxpayer dies prior to retirementPermanent life insurance is much better than a Roth IRA for these reasons.