I’ve always been an educator. First as a consultant with Fortune 500 companies – training hundreds of executives at places like GE, Mobil, Shell, Schlumberger, HP, IBM, Corning Glass, Eastman Kodak, AC Nielsen, and Johns-Manville. I loved what I did. I was an active international lecturer for 40 years, and authored several books on sales and sales management, a contributor to the American Management Association and a member of the Mensa Society. And, proud to say, a former US Marine. Since 1990, I’ve been a serious student of investing – devoting many hours a day to reading and speaking with investment managers, authors, analysts, and anyone who could broaden my knowledge of investing. A few years ago, David Galland, former partner with Casey Research, convinced me to write a book titled Retirement Reboot. The book tells how the government’s new low interest rate policy would derail our generation’s retirement dreams if we did not change the way we invest. David also convinced me to write a newsletter, “Money Forever”, which gave practical advice on how retirement money should be invested safely. It was shelved with the sale of the company that published it, but I continue on. I’m so lucky to do what I love to do every day – helping people understand how to make their nest egg last. Today, I am a regular contributor to MarketWatch, as a “RetireMentor”. I pride myself on taking on conventional wisdom from the perspective of someone who has actually been retired. There are times when conventional wisdom is simply bad advice.

Analyst Articles

Dear Mr. Culp, I wish you the best in your new challenge. This Motley Fool article about your background is encouraging. Why am I writing this? During the Jack Welch era, GE contracted with my training company, Value Selling. GE’s needs were different. Jack’s vision was clear. Each business was required to grow market share and improve their profit margins – even if they sold commodity products. —Recommended Link— Looking For Bigger Gains? Want To Reduce Your Risk? For a limited time only, discover how one industry veteran is generating 37,000 or more in additional income… Read More

Dear Mr. Culp, I wish you the best in your new challenge. This Motley Fool article about your background is encouraging. Why am I writing this? During the Jack Welch era, GE contracted with my training company, Value Selling. GE’s needs were different. Jack’s vision was clear. Each business was required to grow market share and improve their profit margins – even if they sold commodity products. —Recommended Link— Looking For Bigger Gains? Want To Reduce Your Risk? For a limited time only, discover how one industry veteran is generating 37,000 or more in additional income with no added risk. Newly disclosed details here. Professor Noel Tichy defined corporate culture as – “The unwritten norms, beliefs and values that define appropriate behavior.” Our challenge was to assist with changing the culture of the sales force from order takers to consultants; part of the inner circle of profit improvers for their major customers. #-ad_banner-#Several clients funded a research project. I researched their top salespeople. What did these elite performers do that set them apart? I was amazed; it made little difference whether they sold high tech products or commodities, or where they fit in the distribution channel,… Read More

When the Fed bailed out the banks at the expense of seniors and savers, interest rates tanked while investors sought out solid dividend-paying stocks. —Recommended Link— Imagine… YOU, Cashing a Check Every Day for the Rest of Your Life It’s time to see for yourself how easy it is to collect 365 cash payments every year. Checks such as $51… $83.33… even $111.10…no matter what!  Learn how easy it is to get started now. Interest rates are now rising, and the Fed remains hell-bent with continuing their aggressive monetary policies. Many pundits predict the market is due for a… Read More

When the Fed bailed out the banks at the expense of seniors and savers, interest rates tanked while investors sought out solid dividend-paying stocks. —Recommended Link— Imagine… YOU, Cashing a Check Every Day for the Rest of Your Life It’s time to see for yourself how easy it is to collect 365 cash payments every year. Checks such as $51… $83.33… even $111.10…no matter what!  Learn how easy it is to get started now. Interest rates are now rising, and the Fed remains hell-bent with continuing their aggressive monetary policies. Many pundits predict the market is due for a major correction. With a new Congress, there is much uncertainty on the horizon for 2019. #-ad_banner-#I contacted Tim Plaehn, a member of our panel of experts, to get his insights. Tim is a terrific analyst. He’s in the trenches every day looking for opportunities and is very close with his readers. Tim’s publication, The Dividend Hunter, has produced some excellent results. DENNIS: Tim, let’s get right to it. With the recent tax cuts, many companies are using the windfall to not only pay dividends but also buy back their stock – hoping to drive stock prices higher – as opposed… Read More

With our current political climate, the EU punishing Britain for Brexit, tariffs, trade wars, the Fed raising rates, record government deficits and whatever hysteria the media can create – the crystal ball is full of clutter. How should investors approach 2019? We’ve assembled a terrific group of highly regarded experts with excellent track records. Readers want me to use them more proactively for our benefit. —Recommended Link— New Medical Breakthrough Could Save More Lives Than Penicillin And End Disease As We Know It We’ve just uncovered a bombshell that you NEED to see… One company is taking strides to… Read More

With our current political climate, the EU punishing Britain for Brexit, tariffs, trade wars, the Fed raising rates, record government deficits and whatever hysteria the media can create – the crystal ball is full of clutter. How should investors approach 2019? We’ve assembled a terrific group of highly regarded experts with excellent track records. Readers want me to use them more proactively for our benefit. —Recommended Link— New Medical Breakthrough Could Save More Lives Than Penicillin And End Disease As We Know It We’ve just uncovered a bombshell that you NEED to see… One company is taking strides to stomp out disease… even if you’re genetically predisposed to them by creating custom coded cures. Best of all, you could make millions by getting in early. Discover the shocking truth here… Most New Year predictions are amusing but offer little actionable advice. Our contributors are on top of their market – held accountable by their readers. When they peer into the future their perspective is how their clients can prosper financially – yet invest safely. #-ad_banner-#I contacted the dean of the group, Chuck Butler. He is my mentor and I am grateful for all the help he has given us. Read More

The Federal Reserve is raising interest rates. Higher rates = higher monthly payments = more defaults. Who will get stuck with bad loans? Wolf Street recently interviewed Mike Jackson, CEO of AutoNation, the largest auto retailer in the country: “We knew ‘free money would inevitably end. Affordability would become an issue…’ —Recommended Link— Act Before December 31st To Lock In Monthly Payouts From Hidden ‘Executive Dividends’ Executive Dividends are one of Wall Street’s best-kept secrets, paying out a small fortune in unannounced cash seemingly at random–and today, Income Investing veteran Nathan Slaughter shows you where… Read More

The Federal Reserve is raising interest rates. Higher rates = higher monthly payments = more defaults. Who will get stuck with bad loans? Wolf Street recently interviewed Mike Jackson, CEO of AutoNation, the largest auto retailer in the country: “We knew ‘free money would inevitably end. Affordability would become an issue…’ —Recommended Link— Act Before December 31st To Lock In Monthly Payouts From Hidden ‘Executive Dividends’ Executive Dividends are one of Wall Street’s best-kept secrets, paying out a small fortune in unannounced cash seemingly at random–and today, Income Investing veteran Nathan Slaughter shows you where to find them. Read more here. The double whammy are rising costs for highly leveraged companies, such as auto dealers, and consumers facing rising prices of vehicles to be financed at higher rates. Something has to give. …. Finance and Insurance (F&I)…is where the dealer makes money off arranging auto loans with lenders…sells additional warranties, dubious insurance products, and miscellaneous fluff & buff. #-ad_banner-#…. As is industry norm, the dealer makes more money in F&I off each vehicle than by actually selling the vehicle.” A recent Wall Street Journal (WSJ – behind paywall) article reports: “Banks… Read More

In response to our recent article about investing offshore, many readers asked for more information. They expressed many concerns, particularly about safety. Jamie Virjhof, Relationship Manager of Weber Hartmann Virjhof & Partners Ltd., recently interviewed me and addressed those concerns. —Recommended Link— LEAKED: Secret List Reveals Top Growth Stocks To Buy Now Private clients have been getting this secretive research for years, using it to make gains of 310%, 452%, 569%, and more… Now, a small research outfit is leaking THE LIST to the public. Take a peek at it here… I have permission to… Read More

In response to our recent article about investing offshore, many readers asked for more information. They expressed many concerns, particularly about safety. Jamie Virjhof, Relationship Manager of Weber Hartmann Virjhof & Partners Ltd., recently interviewed me and addressed those concerns. —Recommended Link— LEAKED: Secret List Reveals Top Growth Stocks To Buy Now Private clients have been getting this secretive research for years, using it to make gains of 310%, 452%, 569%, and more… Now, a small research outfit is leaking THE LIST to the public. Take a peek at it here… I have permission to share it with our readers. Is International Diversification really necessary? Dennis Miller’s recent article, “Should Investors Have Money Offshore?” raised the ever-important question whether you can really trust the government. Dennis elaborated how the government does not always have the best interest of their people in mind. This was one of the reasons why he decided to bring some of his wealth offshore. #-ad_banner-#Dennis has been a good friend and client of WHVP for nearly a decade. We recently met at the Total Wealth Symposium in Las Vegas and felt his perspective and insight on offshore… Read More

The market is bouncing up and down like Marqeus Haynes dribbled a basketball. Are stop losses necessary? Investors are edgy. Money and Markets reports – “Alarming Survey: Record Number of Fund Managers More Bearish than 08 Crisis”. “…. Bank of America’s monthly survey…is warning investors to take caution and heed the market’s warning signs. …investors managing about $646 billion in assets completed the survey, and a record 85 percent of respondents said the global economy is “late-cycle”. Can you time the market? Everyone wants to buy at the low point… Read More

The market is bouncing up and down like Marqeus Haynes dribbled a basketball. Are stop losses necessary? Investors are edgy. Money and Markets reports – “Alarming Survey: Record Number of Fund Managers More Bearish than 08 Crisis”. “…. Bank of America’s monthly survey…is warning investors to take caution and heed the market’s warning signs. …investors managing about $646 billion in assets completed the survey, and a record 85 percent of respondents said the global economy is “late-cycle”. Can you time the market? Everyone wants to buy at the low point and exit at the top. If you do, you are lucky! During the tech boom my broker and I both bought a high-flying stock. We watched it double twice. It hit $100; we were sitting on nice gains. Suddenly it dropped to $80. We talked about getting out – but decided to hang on. We were rewarded; it went back to $100. It did it again – then it hit $75. —Recommended Link— Your Personal Paycheck Plan One simple strategy is helping folks enjoy retirement more. In fact, the $2,194 Annie from Nevada makes with this method covers all… Read More

Can the Fed cause a market crash? In 2017 Fed Chair Janet Yellen reassured us: “Would I say there will never, ever be another financial crisis? …. That would be going too far but I do think we’re much safer and I hope that it will not be in our lifetimes and I don’t believe it will be. …. The capital positions of the major banks are very much stronger….” —Recommended Link— How The Confidential ‘MP Score’ Could Deliver 83% Gains In 28 Days Beating the market 15 times over, our proprietary “MP Score” is… Read More

Can the Fed cause a market crash? In 2017 Fed Chair Janet Yellen reassured us: “Would I say there will never, ever be another financial crisis? …. That would be going too far but I do think we’re much safer and I hope that it will not be in our lifetimes and I don’t believe it will be. …. The capital positions of the major banks are very much stronger….” —Recommended Link— How The Confidential ‘MP Score’ Could Deliver 83% Gains In 28 Days Beating the market 15 times over, our proprietary “MP Score” is the ONLY indicator that locates under-the-radar blue chips poised to take off. Read more. Current Fed Chair, Jerome Powell continues to reassure us. Judy Woodruff asked whether the rosy current moment can last indefinitely. “Indefinitely is a long time. Not every business cycle is going to last forever, but no reason to believe this cycle can’t go on for quite some time, effectively indefinitely. We don’t see the kind of buildup in risks in the financial markets, let alone the banking system.” CNBC reports, “Powell says we’re ‘a long way’ from neutral… Read More

Today I can fess up to a secret… Lou Betancourt, founder and president of StreetAuthority, contacted me. I was flattered when someone as highly respected as Lou asked for permission to publish some of our articles. —Recommended Link— Your Best Shot At Triple-Digit Winners In One Comprehensive Report If you ever want a shot at retiring with millions in your account, then you need BIG winners. That’s why THE LIST is our most anticipated report. It’s jam -packed with timely growth picks that likely have huge gains just on the horizon. Click here to see THE LIST now. StreetAuthority… Read More

Today I can fess up to a secret… Lou Betancourt, founder and president of StreetAuthority, contacted me. I was flattered when someone as highly respected as Lou asked for permission to publish some of our articles. —Recommended Link— Your Best Shot At Triple-Digit Winners In One Comprehensive Report If you ever want a shot at retiring with millions in your account, then you need BIG winners. That’s why THE LIST is our most anticipated report. It’s jam -packed with timely growth picks that likely have huge gains just on the horizon. Click here to see THE LIST now. StreetAuthority has several subscription investment publications and a mailing list 100+ times bigger than our little publication. I’d love to have them publish our material. The newsletter business is simple. If we had 25,000 readers, advertisers would pay to put ads in our publications and on our website. We have a long way to go to get there. Being distributed by big publications is an opportunity to grow our reader base. #-ad_banner-#The few “affiliates” who advertise with us, provide a small stipend for readers who actually order through our link. We discussed the idea of an “affiliate” relationship. I explained that… Read More

A New York Times (NYT) headline blared, “Too Little Too Late’: Bankruptcy Booms Among Older Americans”. They reference a Consumer Bankruptcy Project (CBP) study, “Graying of U.S. Bankruptcy: Fallout from Life in a Risk Society”: “For a rapidly growing share of older Americans, traditional ideas about life in retirement are being upended by a dismal reality: bankruptcy. Driving the surge …. is a three-decade shift of financial risk from government and employers to individuals, who are bearing an ever-greater responsibility for their own financial well-being as the social safety net shrinks.” —Recommended… Read More

A New York Times (NYT) headline blared, “Too Little Too Late’: Bankruptcy Booms Among Older Americans”. They reference a Consumer Bankruptcy Project (CBP) study, “Graying of U.S. Bankruptcy: Fallout from Life in a Risk Society”: “For a rapidly growing share of older Americans, traditional ideas about life in retirement are being upended by a dismal reality: bankruptcy. Driving the surge …. is a three-decade shift of financial risk from government and employers to individuals, who are bearing an ever-greater responsibility for their own financial well-being as the social safety net shrinks.” —Recommended Link— Life-Saving Drug In Phase 3 Trials — FDA Fast Track Our experts have uncovered a small pharmaceutical company with a life-saving drug that virtually cures the deadliest food allergy on the planet. It’s so important that the FDA has given it Fast Track Designation to speed up the review process. We’re talking about a triple-digit opportunity — but only if you act quickly.  Good news could break any day and send the stock soaring!  Click here to see why this is the best chance at triple-digit gains we’ve seen in a long time. While the NYT is noted… Read More

Editor’s Note: The following is a guest column from our friend and retirement expert Dennis Miller. As a fellow retiree, Dennis believes in helping his readers make their money last for the rest of their lives so they can enjoy their golden years without worry. He offers practical advice and more commentary like what you’ll read below over at his website, Miller on the Money (be sure to check it out). Enjoy! StreetAuthority Staff Consumers love rewards programs, whether it’s cash back, free miles or a free dessert at their local eatery. They’re generally a tit-for-tat, you do… Read More

Editor’s Note: The following is a guest column from our friend and retirement expert Dennis Miller. As a fellow retiree, Dennis believes in helping his readers make their money last for the rest of their lives so they can enjoy their golden years without worry. He offers practical advice and more commentary like what you’ll read below over at his website, Miller on the Money (be sure to check it out). Enjoy! StreetAuthority Staff Consumers love rewards programs, whether it’s cash back, free miles or a free dessert at their local eatery. They’re generally a tit-for-tat, you do business with them and they reward you for doing so. —Recommended Link— There are 6,568 Investors on “The List…” Will YOU Be Next? Introducing the exclusive system guarantees you get a paycheck delivered to your mailbox an average of every single day. Sometimes more. Full story here… Our article, “Does Government Debt Really Matter?” generated interesting responses. Subscriber Bob O. lamented how our government is borrowing billions and wasting it. He sent a study titled, “Where’s The Pork?” It reports on the $583 billion in government grants during the fiscal year… Read More