Our goal is to help you become financially independent. This means that you can get out of debt and become financially free to accomplish your life goals. Our financial industry has changed. Now you can do it all yourself. You can learn: How to SAVE over $3,000 per year—buy all financial services and products at a discount. We provide the Insiders Guides for each product or goal. You learn the “tricks of the trade:” how and where to buy just what you need, not more. For instance, NJ members saved $2,200 annually on vehicle insurance by picking the right policy and benefits as illustrated in our Insider’s Guide to Vehicle Insurance. How to invest the $3,000 per year that we helped you save. You buy “assets that grow by themselves” You stop making others rich. You accomplish your own goals faster than you ever thought possible. Our members give examples of how The Insider’s Guide to Your Spending Plan works. How to accumulate *$1,127,324.26 tax-FREE over time. There are NO get rich quick secrets—it just takes patience. You invest the $3,000, $250 per month, you saved from following our Insider's Guides. Learn how money compounds. See how your $3,000 grows for 10, 20 and 32 years ($96,000) by itself to $1.1 million. Couples can accumulate twice as much--$2.2 million--or faster by doubling up. Request the FREE Guide. Create your Wealth Reserve to insure yourself. You drop the insurance you don’t need or buy insurance like businesses do. They invest part of the premiums, commissions, and fees in their own tax-favored accounts instead of giving the money to the insurers, brokers and bankers. They buy “assets that grow by themselves.” You earn without working harder, just smarter. The Insider’s Guide to Your Wealth Reserve. Which financial products NOT to buy and why. There are over 101 products that may offer “peace of mind,” but not long term benefits. There are better alternatives. For instance, credit insurance protects your bank NOT you. The profit on some credit insurance is over 30% and your death benefit goes to the bank whether your family can afford it or not. The Insider’s Guide to What NOT to buy. How to reach your financial goals with as little as $100 a month, without a budget. Use the stock market as the wealthy do. They spread their risks over many types of assets so they gain in any kind of market--Slow and sure. The Insider’s Guide to Making Your Financial Future is FREE. How to pay for your child’s education, TAX-FREE. Your child can get financial aid and you don’t have to go broke doing it. You can use low-cost tax-free investing. The Insider’s Guide to Education Funding. How to earn 15% to 29% annually—and get out of debt too. Earning guaranteed high rates on your money is easy—pay double the minimum each month on credit card balances. Pay down the smallest balance first. Use home equity line as your emergency fund not your credit card backstop. Trade-in your financed vehicle for paid-up transportation. The Insider’s Guide to Banking Services. Avoid paying up to FIVE times the price of an item by using credit cards and loans. Borrowing from, and making payments to, your Wealth Reserve—your “bank”—means you pay less than the price of an item because compounding paid for part of it (discounted). Also your “bank” earns up to 12% and you avoid paying your old banker up to 29% interest. You stop spending your paycheck before you see it. See The Insider’s Guide to Banking Services. How to buy major purchases with “discounted” dollars. You pay $15,000 for a $20,000 vehicle or $24,000 for a $100,000 college fund or $48,000 for *$1.1million. The Insider’s Guide to Your Wealth Reserve. How to create your own self-funding "bank.” Pay cash for a luxury auto at 40% off. You use “discounted” dollars you create by buying “assets that grow by themselves” with your income. Assets can grow very quickly or slowly but average 12%. The Insider’s Guide to Vehicle Purchase. How to pay your regular bills automatically. No late fees and no stamps. Our members have their phone, cable, utility, mortgage, and insurance bills paid on time without losing interest on their checking account balance. Set it and forget it. The Insider’s Guide to Banking Services. How to build your own pension. Yours can be TAX-FREE so you have more in retirement. If your employer does not give you money, take the tax-deduction now or build your own and use the money in retirement TAX-FREE. If your only income is from social security and a Roth IRA, you pay less income tax. The Insider’s Guide to Making Your Financial Future. How to pick your 401k, 403b, or pension mutual funds. Pick assets that grow by themselves—invest $250 per month, you have *$1.1million in 30 years. Your choice of funds depends on their expense ratio and your age. Low-cost stock funds are best. See The Insider’s Guide to Making Your Financial Future. How to make sure you have enough no matter how long you live. You can have fun running simulations of your retirement income needs at troweprice.com/ric/RIC/. Our Insider’s Guide to Retirement Spending can help you decide how to do it. How to avoid long-term care insurance costs of $120,000. Clarify your needs and the facts about this expensive care. Our Insider helps you make the decision to buy or self-insure for this important challenge to your life-style. How to find health care insurance you can afford. If your employer doesn’t subsidize it, you need a strategy to avoid catastrophe if illness or accident strikes. Self-insuring part of the risk helps lower the costs. Tax-advantaged plans help. Special help for those with poor health. The Insider’s Guide to Health Insurance. How to save $3,000 on your auto, home, life, lawsuit and disability insurance. You can save using strategies and techniques our members have used. Our Insider explains which parts of each policy you can drop or change to suit your lifestyle. Avoid subsidizing risky lifestyles. Your Wealth Reserve is your retention fund for insuring part of your risks. How your child can invest just $3.33 a day and be set for life—TAX-FREE. The Roth IRA is one of the few legal tax-shelters that actually helps working Americans. The other shelters require either business ownership or legal and accounting machinations that only the wealthy can afford. The Insider’s Guide to Making Your Financial Future. How parents or grandparents can assure their loved ones of at least *$1 million by retirement with a gift of $10,000 to each by age 20. The Insider’s Guide to Making Your Financial Future is FREE. What a great Gift of a lifetime!!! Which 10 funds to own for all markets—earn 10-12% annually. See our FREE Insider’s Guide to Making Your Financial Future. Which mortgage makes sense for your lifestyle—a home is NOT an investment. You need to buy a mortgage you can live with financially. Buying the best schools for your kids may only put you over your head in debt and unreasonable expectations for living beyond your means. The Insider’s Guide to Buying a Mortgage. Which THREE secrets of wealth creation should be taught in high school. The chart of market returns above illustrates them: TIME, ASSETS that grow by themselves, and TAX-FREE. Invest in assets that grow by themselves and you will have wealth over time. Notice compounding is unpredictable: year 2003 over 2002! How to transfer your wealth at death without taxes to your kids. You can avoid probate and your kids receive your assets on a “stepped up” basis—they pay no capital gains if they sell then. See The Insider’s Guide to Wealth Transfer. Wealth creation is a habit that can be learned—just like brushing your teeth. Automatic investing makes it easy. A low-cost mutual fund trustee withdraws $100 a month from your paycheck or checking account. You don’t even see or miss the money. Plus, you buy the assets that grow at the lowest average cost over time. When the market is down, your $100 buys more shares, when up—less. Insider’s Guide to Making Your Financial Future. Banking services are very competitive now--save $3,000 on services while you earn the highest rates on FDIC products. Unless you enjoy hanging out “in line,” you can do it all “online” and save. Paperless is safer too. The Insider’s Guide to Banking Services. Brokerage services and products have been exposed. The average investor earned only 2.57% annually compared with inflation of 3.14% and 12.22% for the S&P500 index from 1984 through 2002. You are better off without Wall Street firms. Do your own research and buy securities for $4 or low-cost funds for FREE. We provide the “how and where” in our Insider’s Guide to Buying Mutual Funds & Securities. You can buy annuities yourself without the middleman markups of up to 17.75%. Deferred and indexed annuities are expensive ways to obtain tax-deferral. Certain mutual funds are tax-advantaged and pass to heirs without income tax at heirs rates. Compare alternatives with our Insider’s Guide to Buying an Annuity. You can buy mutual funds that earn the same total return for 0.07% or 1.99% each and every year even if the manager loses your money. You can pay 0.00% or 5.75% commission or up front load and 0.00% or 1.00% annual marketing fees and 0.00% or 10% CDSC surrender charges. The minimum to buy can be $0 or $5,000,000. You can avoid all these charges and earn a total return—what you keep—higher than 88% of all funds and pay no taxes EVER by using our FREE Insider’s Guide to Making Your Financial Future. Members favor low-cost index funds because they beat 88% of all other funds. BusinessWeek 11/03. Whether long-term care insurance fits your lifestyle. You could pay $4,000 each for 30 years ($120,000) and never need it. Self-insurance may fit your lifestyle and provide funds for your legacy too. The Insider’s Guide to Long-term Care Insurance. TOOLS: Dollar cost averaging (investing monthly) produces the lowest cost per share. Tax-advantaged investing (401K IRA) allows compounding to work on every dollar invested. Your accumulation grows faster. ROTH IRA is tax-FREE so you never pay taxes. Low-cost accounts (ETF, mutual funds, and discount brokers) allow your accumulation to grow faster since you keep more in the account for compounding each period. If the market averages 11% and your vehicle costs 2%, over 20 years you earn about 45% less. Diversification (Don’t put all your eggs in one basket) investing produces less anxiety: Less volatility less gain. Stocks average 11-12% per year and not lost money in any 10- year period. Bonds average 5% and not lost money in any period. Subtract inflation 3% each year. Moral: invest in stocks for long term and bonds for short term goals. Ibbotson Associates data: Stocks average 11.4% per year, bonds 5%, CDs 3% over time. Stocks have gone up as much as 54% and as low as –43% in 1 year, up to 28% or down to –12% in 5 years, up 20% or down 0% in 10 years, up 18% or up 3% in 20 years. Short term bonds have gone up 14% or up 0% in 1 year, up 11% or up 0% in 5 years, up 9% or up 0% in 10 years, up 10% or up 1% in 20 years. http://www.ibbotson.com/content/kc_lvl1.asp How long will it take you to pay off loans? You will have to pay $161 per month for 10+ years to pay off your debt of $10,050 at 15%. You will spend at least $19,360 to pay off that $10,050. (If your rate is 25%, you will pay $25,080 for $10,050.) You pay almost double for that $10,050! That $25,080 could be a house down payment. Capital Asset Pricing model helps you determine if an investment is worth the risk. http://www.investopedia.com/university/concepts/concepts8.asp What is your life expectancy? Estimate how many years you will have in retirement. http://moneycentral.msn.com/investor/calcs/n_expect/main.asp Estimate how much you need to live on in retirement. Will you have enough? http://www3.troweprice.com/ric/RIC/ How much do you need to save for retirement? http://www3.troweprice.com/ric/RIC/ How long will your nest egg last using stock, bond and cash funds? http://www3.troweprice.com/ric/RIC/ How much do you need to save monthly to reach any financial goal? http://www.moneychimp.com/calculator/compound_interest_calculator.htm How much can you accumulate by investing monthly at market rates of 10-12%? http://www.moneychimp.com/calculator/compound_interest_calculator.htm What is the performance of the sectors of the market? http://finance.yahoo.com/etf/browser/mkt?k=6&c=0&f=0 Do the costs of investing in mutual funds matter? Which ones cost the least? http://www.sec.gov/answers/mffees.htm How volatile are the markets over time? http://www.ibbotson.com/content/kc_education.asp?catalog=SlideShow&category=Knowledge%20Center%20Education “Those that fail to learn from history are doomed to repeat it.” Churchill All The Insider's Guides FREE Starter Guide The Insiders' Guides to Buying Discount Financial Services $24.95 Wealth Without Wall Street $24.95 Leah's Money Book: "I want to control my own money." $19.95 Copyright © 2010 Insurance Advisors Network™, LLC