Vincent St. Louis Blog

The End of Wealth and Retirement as You Know It

The End of Wealth and Retirement as You Know It

World War II has just ended.

Invigorated by victory overseas and a rebounding economy, the U.S. experiences a historic

surge of births. 92% of all women who can have babies do – averaging just under four each. 10,000 babies born every day 4 million a year 76 million over two decades.

Dwarfing the generations before them, the Baby Boomers are the new lifeblood of America. Industries are challenged to meet their overwhelming needs.

  • Diapers for 76 Million babies.
  • Bicycles for 76 Million children.
  • Cars for 76 Million adults.
  • Homes for 76 Million newlyweds.


The Baby Boomers begin having their own children – Generation X, numbering more than 82 million.

 Like the Boomers, Gen-X’ers grow up in an era of domestic prosperity and stability.

  •  The stock market trends consistently upward.
  • Recessions are short lived.
  • Market losses are quickly regained.

As the Baby Boomers and Generation X take command of the corporate world, the Post World War II generation begins retiring. The market continues its steady climb, rewarding those who buy and hold investments. Little financial education is needed for retirees to enjoy the easy life. They simply follow the proven 3-Legged Stool of Retirement.

  •  Grow savings in the market.
  • Live off Social Security
  • and company pension checks.

It’s a reliable, hands-off model used successfully by millions before them: work hard for several decades, then the market, the government, your company will one day take care of you. For those who followed the model, retiring at 65 is a time to slow down, relax, and enjoy time with family. Just 10 years after retirement, retirees of the Post World War II generation begin to die as they reach the average life expectancy of 75 years.

The Baby Boomers begin collecting inheritance as Generation X sends their children off to school. These are the Millennials – also called the New Boomers – numbering about 80 million strong.3 The U.S. economy has never appeared stronger. Prosperity has never felt more assured. Opportunity has never seemed more abundant. The future for the current generations has never looked brighter. The 3-Legged Stool of Retirement will take care of today’s generations just like it did for revious ones. Markets will continue to climb steadily and grow their wealth. Social security and company pensions will provide a reliable income when paychecks stop. The easy life awaits.

 Baby Boomers, Generation X, and Millennials have every reason to believe it will all be theirs at. Unfortunately, they couldn’t be more wrong.

Over the following decade, two monumental events will reach their tipping points, transforming the economy and society. A revolutionizing economic shift and dramatic life lengthening advances in science will reshape the future for everyone in America leaving millions in desperate need for a new way forward. These events will mark the end of how our nation built wealth and retired… forever.

 The first of these two events emerges at the threshold of the new millennium.

After decades of steady trending growth, a volatile turbulence rocks the stock market. During this period of ups and downs, two of the market’s greatest declines in history have engulfed investors in the perfect storm.

The economic calamity rises to its peak during the Great Recession.

Millions of fortunes are lost.

Countless nest eggs are broken.

The timing for the nation couldn’t have been worse.

The massive Baby Boomer population begins reaching retirement age in the midst of the

economic tempest, completely unprepared.

For many, an entire decade of market gains are gone.

Two out of three Baby Boomers are not confident they have enough money to live on.

The harsh reality?


They must keep working and find a way to protect and grow what’s left of the money they have. Generation X is in the middle of their career while the Millennials are just starting out. For these young generations, the financial future is an uncharted wasteland.

For Generation X, salaries are not keeping up with inflation. Over 40% have less than $50,000 saved. About 30% have no savings at all.

Millennials are in worse shape.

35% more Millennials than Baby Boomers have financed their education through student loans. With the burden of student loans and a scarcity of jobs in their field of study, few Millennials are saving for the future. Along with personal savings, the other two legs of the traditional retirement stool continue to crumble – Social Security and company pensions.

 When the Baby Boomers were born, there were 45 workers for every retiree collecting Social Security.

Now it’s less than 3 to 1 – an unsustainable ratio that calls the future of Social Security into question. Though pensions were declining before the Great Recession, the corporate world has now all but abandoned them. Colliding with the economic devastation, is the other transformational event. Advances in medicine, nutrition, and technology have stretched the average human life span beyond 75 years, adding an additional two decades or more. Baby Boomers and following generations can now expect to live well into their 80’s, 90’s, or longer. Seemingly a blessing, this new expectation poses a terrifying threat – the likelihood of going broke in old age. 61% of people are more afraid of outliving their money than dying.

  • An unstable economy.
  • An unreliable market.
  • The collapse of the old retirement model.
  • The financial burdens of a longer life.
  • It’s the end of wealth and retirement as you know it.
  • And with it… a new beginning.


Yesterday’s financial models may be gone, but prosperity in our nation is far from over.

The realities challenging today’s generations have triggered an unprecedented wave of financial activity with billions of dollars and millions of people on the move.

This Wealth Wave has ushered in The Greatest Economic Story of Our Time. The leaders of the financial industry will position themselves to serve Baby Boomers, Generation X, and Millennials by redefining how wealth is built and how people can thrive after 65.

Tens of thousands of new financial professionals are needed at a time when their ranks are aging and their numbers are diminishing.

Someone must respond to this critical need with a new wave of financial professionals for the future.

 That someone – that wave is us, WFG, World Financial Group.

Although more and more people are in need of investment advice as Baby Boomers begin to retire, surprisingly, the number of financial professionals has dropped.. – ‘Advisor head count fell in 2007, Cerulli study finds,’ Investment News, 2008. We are responding to this crisis with our biggest expansion in three decades. Our company has recruited over 100,000 new associates in 2014,10 equipping them with innovative strategies to serve as financial professionals who can make a difference.

 Only four states in the U.S. offer a financial education in public schools.

Our nation has paid the price. We offer an unparalleled financial education to those who have never been exposed to such essential concepts as The Rule of 72, The Power of Compound Interest, and The Impact of Losses and Taxes.

We help families protect their income, own their future, and leave a legacy with financial vehicles designed for the realities of today – like indexed products that have evolved to offer a wide array of benefits. We provide a world-class wealth management platform that offers everyday investors a financial game changer – access to Active Management strategies that were once only available to the very wealthy. And finally, and perhaps most importantly, we open the doors for anyone – regardless of their age or experience – to become part of The Wealth Wave by building their own financial services business.

Our entry level leaders (many part-time) with full licensing average over $80,000 per year in earnings, with the highest exceeding $640,000. Associates at our top executive positions are averaging more than $960,000 annually, with the highest earning over $10 million this year alone.

Our business is an entrepreneurial opportunity with no boss, no salary caps, no required work hours, no layoffs, and no limits on how much you can earn or how fast you can grow. You can earn income from your own efforts and from those of your team and you can earn income from products that produce first year and recurring revenue. It’s a business that can give you the three things you may have thought you’d lost forever – the chance to make a difference, the opportunity to build personal wealth, and the hope that your later years will be lived on your terms. Regardless of your age or experience, this could be the right business at the right time for you.

Few opportunities give you the support of some of the financial industry’s strongest and most recognizable names. Put our company’s history, experience, and reputation behind you and become part of a championship team.

In this new frontier of wealth and retirement, Baby Boomers, Generation X, and Millennials all around you need a financial professional with a way forward. If you’re seeking an opportunity to redefine your future, consider our team your new beginning.

“Your future will be determined by how you respond to the realities of your generation.”


The time to respond is today. Contact the person who referred you to this video and let’s explore the future together.




WFG World Financial Group Review

In this WFG/World Financial Group Review I will inform you about my take on the company and opportunity.

WFG World Financial Group Review World Financial Group has a mission: to help people from all walks of life build a better future.

World Financial Group has Power In Your Corner!

World Financial Group Inc., World Financial Group Canada Inc. and their affiliates are Transamerica companies. Transamerica companies offer a wide array of life and health insurance solutions that can help create better tomorrows for protecting families. As an independent business owner, you are backed by the marketing and administrative muscle of WFG’s corporate offices and the support of experienced field leaders who have each built his or her own financial services business from the ground up — all of whom are dedicated to your success.

Helping people is at the heart of what WFG / World Financial Group associates do every day. Even in this time of unprecedented access to information, there remains a lack of financial knowledge among individuals and families. However, WFG associates are ready to provide the tools and guidance needed to help clients make informed financial choices and meet their goals. As a World Financial Group associate, you will help your clients understand fundamental financial concepts that give them the foundation to create a sound strategy. You can help clients create a better tomorrow for themselves and their loved ones.


Here are some facts about World Financial Group:

  • There are more than 34,000 life licensed associates throughout the United States and Canada
  • Securities and investment advisory services in the United States are offered through Transamerica Financial Advisors, Inc., Transamerica Financial Group Division
  • Mutual funds are offered in Canada through Transamerica Securities Inc.
  • Insurance products in the United States are offered through World Financial Group Insurance Agency, Inc. and its subsidiaries and, in Canada, life insurance is offered through World Financial Group Insurance Agency of Canada Inc.
  • Affiliated companies have agreements with many well-known insurance and financial services companies

    Read more

Jetstream Box 4 review

In this Jetstream Box 4 review I will cover all areas of the Jetstream Box 4

Jetstream Box 4 reviewAfter 10 months with the Original Jetstream Box. Jetstream launched the new faster Jetstream 4. This box is a very big upgrade to the original Jetstream 2. I still use both Jetstream boxes at my how but the newer Jetstream 4 is a great box. For streaming TV, Movies and Sports the Jetstream Box 4 is the fastest and most complete Streaming media box available.

The Jetstream 4 is a lot smoother interface and a lot more user friendly. It has a Quad core processor and 1g RAM for faster processing.

One of the main things that set Jetstream Box 4 apart from other streaming media boxes is Jetstream Box is a software company. All Jetstream Boxes come with auto update software that will update any software, firmware and all the apps installed including XBMC. No other box has this capability. Also one of the things Jetstream realized and ALL streaming devices realized is that all the XBMC apps are controlled by their party so they can and have turned off their app to everyone or realized they could charge for it and make you pay monthly to use their channel. Because Jetstream is a software company they have created their own channels, that way they control the longevity of the Jetstream 4 Box. Yes Jetstream 4 has ALL the channels but also have their own.

One of my concerns with the streaming media boxes is what if everyone decides to charge or close down their channel. Now you have a box that does nothing. That’s what I like about Jetstream they also created their own channels to assure the Jetstream Box 4 will be useful for many years to come.


The Jetstream Box 4 is the most advanced streaming media device available.

Jetstream Box 4 Key Features

Jetstream Box 4 Key Features


  • Android 4.4 KitKat – It’s Jetstreams goal to make an amazing Android expectance available for the user.
  • Kodi Media Center – Kodi is a media player that allows users to play and view most videos, music and all common digital media files. The Jetstream 4 QUAD-CORE comes with pre-installed KODI, with integrated hardware video decoding.
  • Built in WiFi – The Jetstream Box 4 has a WiFi (2.4 GHz 802.11b/g/n) with a great high gain antenna.
  • USB3.0 – is the third version of the Universal Serial Bus standard for computer connectivity. The Jetsream 4’s USB3.0 is more than 10 times faster high speed than the USB2.0.
  • Smart TV remote – All Jetstream Boxes come with a high quality remote.
  • Google Play – The pre-installed play store allows simple installation of your favorite apps.
  • H.265 hardware Decoding – H.265 is a video compression standard successor to H.256. H.265 can double the data compression ratio at the same level of quality and can transfer the same quality video data with half the bandwidth. So Jetstream 4 users enjoy the high-resolution video even at a low-internet speed.
  • 4K2K UHD Video Playback – The Jetstream 4 is capable of decoding and playing Ultra HD video, delivering an even clearer and better looking image when watching your media content on larger screens. The 4K2K UHD Video Playback feature smoother edges and depth, producing a more detailed picture and superior viewing experience.
  • Jetstream Box 4

There are so many cool aspects of the Jetstream 4

Last week I took the box to a friend’s house to watch the UFC fights. Just connect to his wifi and BAM! Move the TV outside on the patio or near the pool. NO problem as long as your wifi reaches you got it. Having a yard sale? Don’t want to miss the game. No problem all you need is power and wifi and you get ALL the entertainment you could ever ask for. ALL live sports no need for NFL package. Movies still in theaters, TV shows new and old without commercials 100% all legal.



In conclusion the New faster Jestream 4 is an amazing streaming media box that is set to last you many years. Media Streaming is the wave of the future and Jetstream Box 4 is the box that will support ALL your viewing pleasure.

Chief Inspiration Officer
Vincent St.Louis
Fighting the forces of Mediocrity



 Connect with me on FaceBook HERE


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Mark Yarnell died

The Legend Mark Yarnell died today. Mark Yarnell (1950-2015)

Mark Yarnell died
The Legend Mark changed my netwrk Marketing career in so many ways.

One of my all time favorite books is “Your first Year In Network Marketing”  and will always be on the top of many professional Network Marketers list.

 Mark Yarnell: A Legend who Will Forever Be Missed…

It is with great sorrow that I share the very sad news that the great legend has passed.  Mark is a True Legend in the Profession of Network Marketing.


Mark was an amazing man who left an indelible footprint on the MLM profession. He has unquestionably left his mark on my life and my Network Marketing career.

He authored several incredible books, including one of the greatest books ever written in our space, “Your First Year in Network Marketing”.Your First Year in Network Marketing

I’m glad to have called Mark a mentor of mine.

Todd Falcone “To me…Mark was a LEGEND before I ever even met him. I vividly remember the day I met him, spending 5 full hours in a restaurant talking about this great profession. He was always a thoughtful friend, often sending me crazy “flies” that he tied out of peacock feathers that I could try out on my local lakes and rivers. He sent me one he called, “the Guaranteed” because it was guaranteed to catch you fish. That still makes me smile to this day.

Mark and I loved talking about our fishing adventures. He loved the outdoors and was a big time thrill-seeker, who talked me into hang-gliding on a very windy day not too many years back in Utah. He loved seeing other people fly, both figuratively, and literally.”

Mark was one of the most dynamic teachers I have ever listened to in my entire life.

Mark Yarnell had a heart of gold and a lifelong passion for helping people create freedom and independence through network marketing.

Your Legacy, your Contribution to our Profession will never, ever be forgotten.

Remember Yarnell’s Law.
Do One Thing at a Time. Do it Right. Finish it.


RIP Mark Yarnell





Streaming Live TV

Streaming Live TV Free is it here to stay?

Streaming Live TV


TV Viewing Slips as Streaming live TV, Movies and Sports Booms. Did Netflix really put Blockbuster out of business? Online video streaming is up 60% while traditional television dropped 4% in the last quarter. The average person watches more than 4 hours of TV a day, that’s 141 hours of television a month. The problem with many of the online Streaming sites is you get massive viruses and or malware or you have to deal with porn site or video gaming site ads. Internet streaming live TV is growing due to the ability to have high quality video in a smaller streaming format. Technology is changing the way we watch TV.

Free Online streaming live TV is up in America.

Meanwhile, Americans increased streaming entertainment to nearly 11 hours a month. The amount of online video watching hours is likely even higher, because they don’t include viewing with gaming consoles or smartphones. Now with new streaming devices like the all new Jetstream Box having access to all the live and recorded streaming sports, TV and movies has never been so accessible.

How to Watch Streaming Live TV Online

Read more

Jetstream Box review

Jetstream Box is it all that great?


Jetstream Box reviewTired of paying HIGH cable bills. The Jetstream Box promises to give you unlimited movies, TV shows, sports and ALL network TV channels with NO monthly charges and fees. The Jetstream box gives you 99.9% of every movie ever made. Every TV show, every Disney movie, every cartoon, every doumentary, workout programs, live TV from over 100 countries, 3D movies, every box set, live TV from all the major stations, WWE network, PPVs, google browser, youtube, movies in the theatre, football games, golf channel, concerts, unlimited adult entertainment (yes parental controls you can delete this feature) plus so much more.  CLICK HERE TO LEARN MORE

Jetstream Box savings; NO monthly fees

For me I pay $95 for cable TV and Internet also I pay $12.99 a month for net flix. I will keep my internet that cost me $45 a month cancel all cable TV and Netflix that is saving me $62.95 a month. The Jetstream box retails for $399 with cancelling my Nedtflix and cable the Jetstream box will pay for itself in 6.33 months then FREE TV, free Sports, free Movies and MUCH more…

Jetstream How does it work

Read more

The average child is exposed to over 200 chemicals every day

Children are exposed to over 200 chemicals every day

Most are found in baby products we use on them every day. These harmful chemicals are in the ingredients of every day products that are applied directly to the skin, the body’s largest organ. Chemical exposure and the buildup of toxic chemicals in our children are linked to the rise in child cancers, learning disabilities, autism, ADHD, growth problems, skin problems and much, much more.

Toxic-Free-BabyEvery Day Products Are Full Of Dangerous Chemicals

Read the rest of this story at

We come into contact with more than 500 chemicals and toxins every day. There and approximately 200 chemicals in the average person’s body fat. It’s not a question of if we are carrying toxic compounds… but how much!

Chemical companies do NOT have to prove safe…

Read more

Trisodium Phosphate in kids cereal

Is this okay with you?? Trisodium Phosphate in one of the most popular kids cereals???

Trisodium Phosphate in kids cereal


Did you know Trisodium Phosphate (also known as TSP) is an additive and flavor enhancer found in thousands of frozen and processed foods including processed meat, processed cheese, commercial bakes and goods, canned foods, nutritional supplements, and even kids cereals? Amazingly, Trisodium Phosphate currently used as an industrial paint thinner is used inside children’s breakfast cereal. Trisodium Phosphate is an inorganic salt commonly used by construction workers and developer, but most parents who buy breakfast cereals for their kids, don’t expect to find TSP as an ingredient in cereals of stores like Trader Joe’s that offer people a higher quality of food. Read the rest of this alarming infomation at 








If you’re looking for a heathy  and is also a Organic products take a look at this toxic free toothpaste at


Chief Inspiration Officer
Vincent St.Louis
Fighting the forces of Mediocrity



 Connect with me on FaceBook HERE


If you found this article on Trisodium Phosphate in kids cereal useful please comment and share it



Toxic Ingredients To Look For In Your Deodorant

Check for these Toxic Ingredients In Your Deodorant

Toxic Free Deodorant

Do you know what chemicals are keeping you smelling fresh and keeping you dry? Many people are unaware of the dangers lurking in their deodorant. They use this most popular personal care product every day on their underarms without realizing how hazardous and toxic it really is. Here is a list of toxic ingredients to be aware of and avoid. You must become a label reader. To read the rest of this article go to






If you’re looking for a heathy Deodorant and is also a Organic Deodorant take a look at this toxic free toothpaste at


Chief Inspiration Officer
Vincent St.Louis
Fighting the forces of Mediocrity



 Connect with me on FaceBook HERE


If you found this article on Toxic Ingredients To Look For In Your Deodorant useful please comment and share it



Healthy and All Natural Tooth Paste

Here is my Healthy and All Natural Tooth Paste review

All Natural Tooth Paste My wife and I have been eating organic for many years. We try to eat ealthy. We grow as much of our food as we can. But we like many other people trying to take care of themselves forget to look at the toxic influx from household products. The skin is the largest organs and it only takes 26 seconds for toxic chemicals to enter the blood stream from our skin.

Today we will look at the toothpaste we did use and what we now use.


Are you looking for a healthy Toothpaste. How about a Toxic Free Toothpaste? Ever wonder why there is a warning on your thoothpaste? I looked on the back of the toothpaste I have used for years and I was shocked to see “if swallowed contact poison control immediately” WHAT!!! YES!!! Check yours out.

Also make sure to go to EWG.ORG and see what the #1 consumer environmental watch dog group around says about all the products you use in your home. It will show you why your toothpaste is toxic and unhealthy.

Having a healthy Organic Toothpaste that is also toxic free and eco-cert is part of the healthy lifestyle you are living.

We found The Healthy Home Company toothpaste exactly what we were looking for. Healthy Home Company Toothpaste is made from organic, Ecocert and ToxicFree ingredients. It whiten teeth Organic toothpastenaturally with antioxidant-rich Maqui berry and stabilized oxygen to whiten teeth and freshen breath naturally while helping prevent gum disease and cavities. The Healthy Home Company Toothpaste is Free from harmful ingredients like fluoride, sulfate, silica, triclosan and titanium dioxide, Toothpaste is safe for the whole family. Flavored with refreshing peppermint. This toothpaste will help give your whole family a brighter, whiter smile and fresher breath. And there is NO warning not to swallow.

Natural toothpaste facts:

• Features antioxidant-rich Maqui berry and stabilized dioxide to whiten teeth naturally while helping prevent gum disease and cavities.

• Free from harmful ingredients like fluoride, sulfate, silica, triclosan and titanium dioxide.

• Flavored with refreshing peppermint and sweetened with xylitol (which is known for its low glycemic impact and preferred by dentists), Toothpaste will help give your family a brighter, whiter smile.

If you’re looking for a heathy Toothpaste and is also a Organic Toothpaste take a look at this toxic free toothpaste at


Chief Inspiration Officer
Vincent St.Louis
Fighting the forces of Mediocrity



 Connect with me on FaceBook HERE


If you found this article on Healthy and All Natural Tooth Paste useful please comment and share it



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