When I got into the business 24 years ago the rate on the 10 year treasury was around 6.6%. Today we just hit 3% so how will that affect your bonds? Other topics include:

• What is preventing rate hikes?

• Passive investing issues

• California and Oregon are you withholding enough taxes?

• The increasing trillion dollar deficit factor and future prospects?

• Long term care insurance planning

• Life insurance policies with long term care and sleazy insurance agents