Are you suggesting that an indexed universal life with gain caps and surrender charges, mortality charges, and premium charges (usually adding up to over 2-3% annually) will out perform a well diversified portfolio?

I believe a more incremental approach is best - start small, mistakes may be made - but as long as they are not mortal wounds, one gains experience and knowledge.Maybe find a partner to help share the risk.Or perhaps just make part of the deposit non-refundable.Stand firm and be prepared to walk away from the deal if terms your are comfortable can’t be worked out.

Many see fed "printing money" headlines and default to fears of inflation when it is far from binary, like your stagflation idea.I enjoyed the article, but it did support my thinking that all the "stimulus" since 2012 lets say, is reactionary to deflationary forces or threats which is the mortal enemy of fiat currency. ( hence the fed 2% inflation target)I think we agree that the tip of the spear is the banks.

Unlike DMM and other (mortal crappy) marketing systems you spend a lot of money and or time, to reach people and only AFTER you spend money and/or time to reach them are you going to ask them if they want to sell their house.

I iz here.Sit down you silly little mortals you... and listen to this OMG handsome guy. 

you silly mortals.. really?

There is GADAMN NOTHING I can't do, especially when some other mortal has or is done it/doing it.

To convince unsuspecting little mortals that this is how it is done, because heavens forbid investors start to think logically and use their common sense.

People will fill in their forms no problem.But us miserable mortals?!

I was a mere mortal just like  you.But unlike you, no one cared to answer my question...