Stop wasting fees and premiums on financial products you don't need! Stop paying excessive commissions and premiums for your real financial needs! Mend your cracked nest egg! Save up to $3,000 every year. See it grow in the inset. Our Guides provide clear step-by-step explanations in plain language of how you can fix your financial needs simply. Despite the hype of the financial industry, YOU can learn what type of insurance and accounts are best for your lifestyle in the 21st century. We don't sell you, we inform you. You do it yourself and save using our industry Insider's directions. You simply click on the links in the Guides and go to the Internet site that provides the information and product or service. You save up to 50% of the first-year payments by filling in the forms yourself. Licensed staff answer your questions. That's it. Read about your neighbors' experiences: Vehicle insurance--John of New Jersey spent 20 minutes on the phone. His premium fell 33% from $2,029.30 to $1,358 for 2 Toyotas with full coverage. The carrier is rated A++ and has 24 hour claims service. Homeowner's--Mary D saw her premium fall 22% from $574 to $448 for a home valued at $250,000. Her home was misclassified as a multiple dwelling from a time when she owned rental property. She also dropped a Jewelry rider since she has only family heirlooms which can't be replaced. She invests her savings in her Wealth Reserve. Life--John of New Jersey needed term. He spent 30 minutes on the phone. The new 10-year $200,000 policy cost $356--26% less than than his old policy even though he is now 51 years old. His agent never called about lower rates so he dropped him. He invests the savings in his Wealth Reserve. Lawsuit--A New Jersey member found out that her car insurer charged $210 for a $1,000,000 policy. Her home insurer charged $556 for the same umbrella liability. She invests the savings in her Wealth Reserve. Health--A health plan for Mr D's family required an hour online to complete an application for a PPO policy. At $194.40 per month, it cost less than the quote from his agent. It requires $1,000 deductible, 80/20% with a $10,000 stop, $3MM max. The carrier is rated "A" by Best. Disability--Mr S, a 40 year old office worker, found family protection from the largest insurer. Two years of $2300 monthly benefits cost $18 per month. The policy can't be cancelled and the rate is guaranteed. Long Term Care--Victor Daniels wanted quality care for Val, aged 65. He called GE, Hancock, Travelers, CNA, UNUM agents for $100/day 3-year benefts with 90 day waiting and 5% compounded. The lowest cost was $1519 for a non-cancelable standard policy. Education Funding--Susan and Fred started Natalie's college fund with presents from birth of about $5,000. They bought some of the Dow stocks and saved $6 a day. They kept buying the same stocks monthly for 18 years and had over $300,000. Natalie did not need that much for college. They paid off debts and started a business on the side. Retirement Spending--Mr and Mrs K, in their 60's compared long-term care insurance with a joint annuity that had a LTC waiver for their needs. The annual cost was $2,000 each for LTCi. A $150,000 annuity cost 2.5% annually but taxes must be paid when the money is taken out. It is paid by heirs if not used for LTC. They fund a tax-FREE self-insurance account of $300,000 to cover LTC and a legacy. Banking--Elizabeth of New York switched to an Internet bank when her money-center bank would not pay her interest. In 2005 she earned $180 on checking funds and she can use every bank's ATMs FREE. She pays bills without postage. Annuities--Dorothy of New York received an inheritance of $150,000. She has paid all debts and has a pension. She uses $100,000 to create a tax-FREE legacy of $300,000 for six grandkids. She uses $50,000 to buy an annuity with expenses of 0.37%, saving $885 annually over the one offered at her bank. That means over $17,000 extra in her Wealth Reserve. Mutual Funds/Securities--Mr and Mrs K of New Jersey transferred all of their mutual funds to the low-cost leader and saved over $3,000 a year in fees. They had been paying 1.2% of their account values for 10 years. Their Wealth Reserve will be $545,000 greater because they NOW pay only 0.20% per year until retirement. Spending Plan--The King family decided they wanted it all--European vacations, luxury vehicles, guaranteed retirement income of $100,000 a year. They set milestones. They tore every expense apart--saved $56 here, $167 there, $103 on lender insurance, $125 in bank fees, $125 in finance charges. They save about $600 a month and have reached every goal they set so far. Prague in 2005! Self-Funded 'Bank'--Ms Lee wanted to buy a duplex for rental income. She needed $60,000 downpayment to avoid lender insurance. She invested $250 a month for 10 years in her 'bank.' She earned $27,456 on her $30,000 deposit. She bought a two family for $300,000 and her tenant pays the mortgage and 1/2 the utilities. She is now investing her rent money too in order to buy another rental. Vehicle Purchase--Danielle of New Jersey spent 40 minutes online to find 3 luxury car candidates. She faxed each seller a bid of $1,000 less than the price. She got two affirmatives. She got her own financing and paid $16,000 for a 3-year old Lexus. The dealer gave her the service record. Mortgage Purchase--Liz, New York found her mortgage company from a list of the lowest rates in her area. Even though she banked at one of the nation's largest lenders, she found its rates were the highest. She applied at two online lenders--one with a rate lock for 60 days and the other with a first time buyer special. She took the special and got the 60 day lock for the asking. Liz estimated she saved $39,240 in interest (first 10 years) and $3,050 in closing costs by following the Insider's Guide. Wealth Reserve--Leah wanted her daughter to feel secure and not have to fear losing her job or becoming a 'bag lady' in retirement. She will contribute $2,000 a year until she is 20 years of age. Her daughter will have about $500,000 by age 30 and $1.7 million in 20 years if she doesn't need her Wealth Reserve. Wealth Transfer--John and Liz, 65, of West Virginia, had $100,000 in accounts producing income they had to pay tax on. They have great pensions and health care. If they don't need the money for emergencies, they want their 3 kids to inherit. A Wealth Reserve account is low-cost and tax-advantaged now and EACH child may receive $100,000 tax-FREE. Living Insurance--John of Vermont dropped his expensive death insurance when he realized that his kids did not need protection. He got married again and bought assets that protect his new lifestyle. He uses the $156 a month he used to waste on death insurance to supplement his pension accumulation. He also invests the $801 a month he was spending on a new truck. He bought back his old one. Self-insurance--Susan and Fred (Education Funding above) have used Natalie's college fund of over $300,000 for additional life insurance protection as well as a disability policy and funds for insurance deductibles. Natalie did not need all the money for college. They used the fund to partially insure their business. Some funds went into their business's retirement fund to supplement their pensions. Their Wealth Reserve is now over $1,000,000. What NOT to buy--101 products to avoid because there are better alternatives you aren't shown by most sellers. It simply does not pay them (commission) to show you what they themselves buy. Drop the policies and accounts you don't need. Insurance, annuities, mortgage, mutual funds, securities, and service contracts. This is the 21st Century way to protect your lifestyle: yourself, your family and your assets in the 21st Century. You control your financial services costs and protect yourself from risks. This is the method used by financially savvy people. You buy where the professionals do--from the highest-rated firms with the lowest fees—then compound the earnings of your own Wealth Reserve. Your Wealth Reserve's growth is compounded over time. See inset above. You learn where to buy low-cost solutions. We don't sell the products so we have no reason to misguide you. You take advantage of our Insider's secrets to decide where and how to buy without the middlepersons. We provide a EasySheet so you can readily see what your savings will be. Your FIX IT YOURSELF MANUAL contains an Insider's Guides for each financial need to help you fix your leaking accounts and broken dreams. Build your Wealth Reserve of $1,084,540 with the savings. You receive the specific details you need to make wise decisions to achieve your goals. Fix It Yourself Manual Regular price: $79.95 Sale price: $49.95 All The Insider's Guides FREE Starter Guide Member privileges one year Regular price: $150.00 Sale price: $129.95 Wealth Without Wall Street $24.95 The Insiders' Guides to Buying Discount Financial Services $24.95 The Simple Financial Life $19.95 Leah's Money Book: "I want to control my own money." $19.95 Copyright © 2010 Insurance Advisors Network™, LLC