EUREKONOMICS[tm]

When you practice EUREKONOMICS ^TM, YOU take control of your money ... and your life!

You put yourself in charge of your personal wealth planning, managing your money and creating wealth for your family and yourself by erecting the Four Pillars that are essential to every successful personal economy.

The First Pillar — Freedom from debt to others.

The Second Pillar — Income you don't have to work for and you won't outlive.

The Third Pillar — Money when you need it most to pay your bills because illness or one of life's surprises causes a loss of income and/or increased expense.

The Fourth Pillar (and perhaps the most important) — A legacy of wisdom and wealth that is greater than the money you use to create it.

Discover how EUREKONOMICS'™ wealth creation program can help you with financing your future.

Jeffrey Reeves MA

Jeffrey has over 30 years experience as an insurance and financial advisor to individuals, businesses, professional practices and non-profit organizations. He has owned and operated his own agency since 1976.

Jeffrey has also performed consulting assignments for Fortune 500 companies and managed practices that served business as diverse as coal mining and professional sports.

Jeffrey’s financial advisory practice served over 100 small business clients - dentists, doctors, accountants, attorneys, manufacturers, distributors, engineers - and many individuals.
In 2004, Jeffrey recognized that the principles, practices and tools that made so many of his former clients successful were not only misunderstood; they were ignored and even maligned by the purveyors of the “Debt Paradigm”. He rededicated himself to the practice of helping small business owners, professional practices and individuals break the bonds of the “Debt Paradigm” and re-discover the treasures that had become obscured by the cacophony of claims by the faux financial fops who foist fallacies on us all. (He loves alliteration).
Jeffrey is supported by his wife Sandra and three ill-behaved dogs nicknamed Noisy, Nosey and Nasty. The Reeves live in Denver in a modest home in the wonderful Mayfair neighborhood.

Dr Agon Fly

Dr Agon Fly

Dr Agon Fly speaks for professionals all across America who are advocates for the approach to dealing with money that is advocated in Money for Life…in good times and bad. Dr Agon Fly is real. He embodies the hundreds and thousands of women and men who have contributed to the development - over decades, centuries and millennia - of the humanizing ideas and irrefutable values that you encounter when you explore Money for Life…in good times and bad. When Dr Agon Fly speaks to you, it is with this myriad of voices; voices that have spoken in unison forever; voices that have survived every kind of challenge; voices that are now raised to help you challenge your Debt Paradigm - and overcome.

You can learn what has been known for millennia in the book that captures this knowledge and wisdom www.TheMoneyForLifeBook.com

EUREKONOMICS™ - “Your Special Island…”

This past weekend my wife and I attended a presentation of the musical South Pacific at the Temple Buehl Theater in Denver. The character Bloody Mary sings a song about Bali Ha’i early in the play and the words struck me as being apropos to the ongoing theme of this blog: helping Americans find a better way to deal with their personal economies.

The song-in part-goes like this with my comments in italics :

“Most people live on a lonely island…”

There is no such thing as a macro economy.  Americans have been led to believe that they are nothing more than consumers that serve the economies of the Behemoths of big government, big unions, big banks, investment companies, and stock insurance companies, anything BIG! The fact is that each of us owns a small economy that can and should be as close to self sustaining as possible.

“Lost in the middle of a foggy sea…”

Foggy indeed and made that way by the unending burning of an oil slick of misinformation and disinformation that the Behemoths use to confound Americans through corrupt legislation by the Dolts in DC that confiscates our money , deception in advertising, puppet masters and regulators that indoctrinate and manipulate sales reps and registered securities reps who know little or nothing about economics or free enterprise who, in turn, provide ‘financial planning’ to American families…all of that pollutes our thinking.

“Most people long for another island,
One where they know they will like to be…”

Americans aren’t stupid.  We know we are being bamboozled but are not sure where to turn for clarity and common sense guidance about creating wealth and managing our personal finances.

“Bali Ha’i may call you,
Any night, any day,
In your heart, you’ll hear it call you:
‘Come away…Come away…’

“Here am I, your special island!

Come to me, come to me!…”

Too often Americans are led to believe that a new or unique approach to “investing” is going to solve all of their financial problems and allow them to fulfill the American dream. Schemes and dreams with easy money themes  abound from Wall Street to Main Street.  Each of these deceptions aims  to lure American dollars from the safety of equity in their home, savings accounts at the local credit union, or cash values in life insurance-the three foundations of most  personal economies-and deposit them into the account of a Behemoth.

There is an alternative to the failed paradigm of the Behemoths. There is a special island…

EUREKONOMICS™  As the Bali Ha’i song states…

Your own special hopes,
Your own special dreams,
Bloom on the hillside
And shine in the streams.
If you try, you’ll find me…

“Here am I your special island
Come to me, Come to me.”

There are no secrets and there are no shortcuts.  Every American can achieve the American dream.  However, you must first escape the failed Debt Paradigm and find refuge on the “special island” of  EUREKONOMICS™

Here are two simple, clear, common sense EUREKONOMICS^™ rules that you can apply to your personal economy:

• If you invest, invest only  from savings and never  from income;
• Invest only  money you expect  to lose. If you get lucky and win, you can add the winnings to your savings.

Having a savings program and a few years -not just three to six months-of ready cash is essential to financial success and a comfortable retirement.  If you never develop a savings program, you will never recover by ‘investing’  in a qualified plan or anywhere else unless you are just plain lucky. Why? Because most investments  are actuallyspeculative .  Let me support that statement.

Benjamin Graham, The Dean of Wall Street , and Warren Buffett’s teacher, taught that an investment has two characteristics: safety of principle and a reasonable return. Hmmm!

Honestly!  Evaluate what Wall Street calls an investment today.

• Is a mutual fund with nothing more than a reputation really an investment?  Doesn’t the fact that it promises only that it promises nothing  make it speculation?
• Is your invested money safe and secure?  In July of 2007 the market topped 14,000 and in February of 2009 it reached below 6,500.  How safe is that?
• What is a reasonable rate of return?  Any honest investment economist will tell you that earning 5% before taxes and fees over the long term is reasonable and that any assumption over that is speculation .  Are investment products actuallydelivering  a reasonable rate of return?
• Is it enough to be re-assured that all will be well in the long-term; that it’s worth risking money in hand today for money that’s a only a maybe  in the future?  What if your long-term was in February 2009?

Guess what? The answers are all NO. You don’t live in the long-term. Losing money today but hoping that tomorrow will produce better results is foolish at best. Properly saved money guarantees  a reasonable rate of return in the short-term and is safe for the long-haul. Once you have money in hand, and enough money in hand to care for your personal needs, then you might  consider investing.  However, unless you are among the top two or three percent of wealth holders, you should never  speculate.

Consider this: many Americans take money directly from their pockets [payroll deducted in many cases] and place it in accounts that produce unpredictable returns for them but assured profits for the Behemoths . Not only that, at the same time they borrow from credit cards and mortgage companies at rates that are guaranteed to be higher than their ‘investment’ account returns.  In effect, what they are doing is borrowing against home equity and from credit cards-a lien against future earnings-to fund their retirement accounts.  Go figure…

Imagine how much better off these Americans would be if they put their money into financial products that fit the definition of Benjamin Graham referenced above.

It’s time to shift paradigms, to change models; save first, invest later-and that includes your 401(k), IRA or equivalent-and speculate never!

It’s time for a fresh look at building and holding home equity, savings accounts in local credit unions and small local banks, and the power, versatility, and flexibility of participating whole life insurance as the fundamental financial products in every American portfolio.