The Following is an extract of my former Real Estate and Insurance web site and is presented here only to illustrate the principles I followed in that 40 plus years of practice. I am now fully retired from that practice and do not engage in any Real Estate or Insurance Sales or Brokerage or related activity.
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$ Investor Diversified Realty & Services Group $
WELCOME:
Overview of My History and Services
Herman Osborne, Broker/Agent (Illinois & Indiana)Your Safe Money Specialist, and your CITRMS (Certified Identity Theft Risk Management Specialist)
Phone: (219) 558-8636
I have launched this website, www.InvestorDiversified.xxx, with the understanding that Retirement is an issue that should be dealt with as early in life as one’s awareness allows, the earlier the better. Quite often, as we age, health impairments may eliminate or severely limit a new move to tax advantage insured distribution options (One of the factors in the ‘importance of the wise use of time’)
Please visit this website often: www.InvestorDiversified.xxx. Make this website Your Retirement Planning Resource Center. It is a valuable resource that can help you keep up in these changing and challenging times!
My Mission:
Focusing on Wealth Accumulation and Estate Creation, Preservation and Distribution; Utilizing Investment Grade Real Estate and Real Estate Related Business Opportunities and Insurance Products. I can Help you convert your ‘Alligator Accounts’, (that is those 'Eating You Alive'), to Productive Assets matching your present personal objectives.
My Philosophy:
I I have learned, ‘the hard way’, that personal experience is not necessarily the ‘best way’ nor is it the ‘smart way’. Rather learning from the history of other peoples experience (OPE) is the ‘smart way’, and the earlier in life that learning experience begins, the better off we are. Fortunate are those who have had loving, considerate and wise parents, grandparents or advisors who understood the ‘importance of the wise use of time’ and started their (wards) children and perhaps grandchildren off in life with good savings and money management habits that will have prepared themselves by laying the foundation for a fruitful, pleasant harvest in their retirement years.
First they will have learned to save and invest wisely a portion of all they earn (Say 20%). Then, the generally accepted rule is to (progressively throughout their lives) place a portion of all of their earnings and investment growth ‘savings’ in a ‘Safe Money Harbor’ where safety of principal is best assured, while wisely placing the remaining portion in a ‘Growth Investment’ vehicle of choice: The suggested proportioning is to place or move a portion determined by (using their age (Say at age 65 = 65%) as the percentage of their total ‘Savings’ that should be placed in a ‘Safe Money Harbor’ where that (Safe Money Harbored) principal is protected from ‘Market Risk’. Money in excess of what they will need in their lifetime would be considered for gifting to children and grandchildren and possibly for charities. The earlier in life this savings practice is started the more significant and comfortable their retirement resources become: it is never too late to start. However, without a significant ‘Safe Money Harbor’ one simply ‘retires to die’ in poverty, rather than enjoying a meaningful Fruitful Retirement** beginning a pleasant harvest of life’s rewards in the ‘Golden Years’. One of the rewards of the ‘Golden Years’ should be being able to observe the planned, orderly, considered and tax efficient distribution of our Estate, creating a Lasting Legacy for those we love and care about to remember us by.
**To me, the term Retirement is a complex social-economic concept. I would prefer to consider retirement as an Earned Right, Not an Entitlement, to withdraw from and ‘eight to five’ job or lifestyle. I object to a concept of a mandatory retirement age. Obviously, many of us incur some diminished physical and even intellectual capacities as we age; but then there are huge numbers of businesses and positions (voluntarily by choice and in some cases by necessity) founded, managed and even operated by individuals in advanced years. I believe we need their contributions to our economic and intellectual well being. This alludes to the beautiful Fruitful Retirement I would envision.
Earlier in my life I mistakenly bought into the philosophy of ‘Buy Term and Invest The Difference’. The ‘TRAP’, created by that philosophy, is the near certain devastation that will be wrought by the ups and downs of (Life Events) personal health, job and family disruptions, and market risk among others. I started out believing that Real Estate and Stock Market Investments capped with Term Insurance was the shrewdest formula, and at mid-life I became fully licensed to work in those fields. As disruptions occurred in my life I quickly fell out of love with the Stock Market Option. I remain fond of Business and Real Estate Related Business Opportunities as vehicles for wealth creation, but only if safeguarded/backed-up by the above insured ‘Safe Money’ (for me, today, those Safe Money Harbors are Indexed Annuities and Indexed Universal Life products) guidelines.
I have launched this website, www.InvestorDiversified.xxx, with the understanding that Retirement is an issue that should be dealt with as early in life as one’s awareness allows, the earlier the better. Quite often, as we age, health impairments may eliminate or severely limit a new move to tax advantage insured distribution options (One of the factors in the ‘importance of the wise use of time’)
*Since I do not offer legal, tax or accounting advice or opinions, you are encouraged to seek the ‘independent counsel’ of your attorney and tax accountant or other truly certified professional advisor. I do not believe such ‘independent counsel’ can ethically participate in anyway with any compensation as, with or through a ‘Producing’ entity:The Risk is that of carelessly accepting or being ‘taken in’ by a self-proclaimed expert (The ravenous ‘Wolf’ dressed in ‘Sheepskin’ …. The sly ‘Fox’ Guarding the ‘Hen House’.). .
My Profile:
Since 1972 I have been working, primarily, with residential, business and industrial Real Estate and Real Estate Related Business Opportunities; and when appropriate, Retirement Interests utilizing Annuities (Including Indexed Annuities), and Life (Including Indexed Single Premium Life and Indexed Universal Life) Insurances. I am now also using the Tax Recovery Program and Identity Theft Risk Management Program as introductory services. I began my Insurance career in 1960 and added Real Estate in 1966. I operated under the DBA of Cal-Lands Realty from 1972 to 1989, when I began operating under the DBA of Investor Diversified Realty & Services Group. I began my membership with and became an Independent Associate with Pre-Paid Legal Services, Inc. in 1994; and in 2006 added my CITRMS (Certified Identity Theft Risk Management Specialist).
My services are directed to helping Individuals and Business Owners to Grow and Protect their Personal and Business interests while saving them Time and Money. I am dedicated to identifying opportunities and finding solutions for my clients' interests. Confidentiality respected.
Of course, I would welcome hearing from you, and to arrange a time to talk with you or to meet you in person to show how various alternatives you may wish to consider could be applied to your specific interests and needs. Also, I have some important new information that I need 15-minutes to show you. While you may or may not be interested in using this information at this time, I am confident that you will be glad that you at least took a few minutes to learn about it now. You will be under no obligation to utilize my services. I do not charge up-front fees; I am compensated entirely by commissions on products and services my clients choose to contract for with or through me as their Broker/Agent/Independent Associate.
As appropriate to your specific interests, I offer Real Estate and Insurance Brokerage Services with preference to Real Estate Related Business opportunities and Insurance products including: Annuities (Including Indexed Annuities), and Life (Including Indexed Single Premium Life and Indexed Universal Life) Insurances.
Again, I am confident that utilizing my ‘VALUE ADDED’ services will help you to GROW and PROTECT your PERSONAL and BUSINESS interests. I look forward to working with you as to any present or future interests. Thank you in advance for any opportunity to serve you.
My Thought Stimulators:
Are you now looking to move 'into' or 'out of' any real estate or business opportunity situation? Any potential interests for acquisition, development, expansion, relocation, consolidation, or trade or exchange?
Do you have any 'unprotected' family or business income or capital needs or commitments that you might wish to insure? Do you have a 'funded' business continuation plan?
Are you at a point where return 'of' your principal Investment is as important as a return 'on' your Investment? Has the time come to move away from the stress of asset management and to shelter your estate from market risk, sales costs and income and estate taxes?
Can your retirement funding be annuitized for life so that you know it will last as long as you do; and can it be indexed to offset inflation and to accommodate possible long term care needs. Have you insured your retirement funding capacity against an intervening disability?
Have you ever purchased a tax deferred annuity? Do you currently have CD's, Mutual Funds or other investments? Are you aware of the INCOME TAX LIABILITY that your beneficiaries may be burdened with? If you are NOT currently taking distributions or income from your investments or never withdraw a substantial amount from them, a tax problem may be created for your beneficiaries. When you die, your beneficiaries may be taxed on the total growth as ordinary income! This could create a considerable income tax liability for your beneficiaries. Would you prefer to consider an alternative? If you can qualify and with proper planning, the tax liabilities to your beneficiaries at your death can be reduced or eliminated, and you can continue to receive the benefits of continued growth of and access to your funds, should you need them.
To explore possible means of preserving your estate value, even multiplying its value and in reducing tax liabilities for your loved ones, please call or E-Mail me, Herman Osborne, today at HermanOsborne@InvestorDiversified.xxx, without obligation on your part, for more information.
Also, to receive my periodic E-Mail notices on product offerings and ideas for Personal and Business Growth and Protection, just send me, Herman Osborne, an E-mail at: HermanOsborne@InverstorDiversified.xxx Include your name and contact information, including both a day and evening phone number, and a note on the nature of your interests. to introduce myself to you.
Sincerely & cordially,
Herman Osborne, (Your Safe Money Specialist)
Broker/Agent (Indiana and Illinois);and an Independent Associate* and CITRMS (= Certified Identity Theft Risk Management Specialist)*
Phone: 219-558-8636; Fax: 219-558-8635
E-Mail: HermanOsborne@InvestorDiversified.xxx
Websites: www.InvestorDiversified.net
www.InvestorDiversified.RetireRx.xxx; www.PrePaidLegal.xxx/HUB/HermanOsborne
www.xxxxxxx.com; then
enter my Associate ID # xxxxxxxx
Mail: 10843 Matthias Drive
Saint John, Indiana 46373
Again, please visit this website often: www.InvestorDiversified.xxx. Make this website Your Retirement Planning Resource Center. It is a valuable resource that can help you keep up in these changing and challenging times! *With respect to Legal, Identity Theft and Small Business (Life Events) membership plan’ consultation benefits and other services, see also my website: www.PrePaidLegal.xxx/Hub/HermanOsborne. | 
