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I recall sitting across from a business owner who was frustrated with the cost of borrowing. The bank wanted covenants. The interest rate felt high. The paperwork was burdensome. And then he said something that stuck with me: “I save money by being the lender.” My follow-up question was not about interest or markets, but about ownership. If the bank offered to own part of his company instead of lending the money, would that feel like a better deal? He didn’t hesitate. “Absolu

Few works of literature have left the imprint on Western culture as The Iliad and The Odyssey, Homer’s twin poems that chronicle events surrounding the Trojan War but also delve into timeless themes of heroism, honor, and the search for a meaningful life. The most remarkable people, we learn, are not those with the greatest treasure, but those with what we might call a ‘Wealthy Soul.’ The Greeks regarded the epic stories as something more than works of literature; they knew m

You’ve been hearing about immediate annuities and wondering if they’re a good idea. Maybe you’re getting close to retirement, or you’ve come into a chunk of money and want to make it last. Whatever your reason, here’s a quick breakdown of the  good  and the  not-so-good  when it comes to immediate annuities. First, What’s an Immediate Annuity? An immediate annuity is when you give an insurance company a lump sum of money, and they start paying you a fixed amount right away —

If you’ve ever looked into annuities, you’ve probably run into something called an  “income rider.”  And if you’re like most people, you probably thought:  What on earth is that? If the name sounds unfamiliar, the idea behind it is pretty simple (and kind of clever). So, What  Is  an Income Rider? Let’s start here: an  income rider  is an optional feature you can add to an annuity — kind of like adding heated seats when you buy a car. You don’t  need  it, but it can make the