I have signed up for this service and had my $25.00 put into my bank. This is real and good until May 15, 2008. Take the time and check it out. You have nothing to loose and $25.00 to gain. What will that buy you. Or you can save it!!
If you have any questions please ask. Better yet go to the website and ask the people who own it. It is a Bank that owns the company.
Now you can get your tax deferred growth to come
out tax free.
Proper retirement planning is a need not a want. How would you like to have
25% of your nest egg taken away at the time that you need it most? Well this is
happening to to many people now. What do you think will happen to
taxes when your ready to retire? I know we do not know for sure, but
we have historical data that says taxes will be higher. Would you
agree?
Will your current savings be enough to sustain you and your spouse
through retirement? Now remember that you will lose about 25% of what you take
out to taxes alone. I do not know about you, but that is a great hit for me.
These are the years that we should be enjoying life, not thinking about where
the money is or where it will go. I will pay my fair share of taxes, but
when I retire I do not want to be paying higher taxes.
Most qualified retirement plans do two things:
They defer the tax and,
The tax calculation.
Which one of these two things are you looking for? Well, since most of us are
Wal-Mart shoppers, we decide that it's best not to pay our taxes today and defer
them until some date in the future. You're undoubtedly looking for the tax
deferred growth.
Two questions for you.
What tax bracket will you be in when you retire?
What deductions will you have when you take the money?
If you're like most people you'll be in the highest tax bracket and you'll
have the least deductions when you retire. What does that mean? Well, it means
that the IRS will be taking more of your money at retirement. What if you could
change that? What if you could still get the tax deferred growth during your
accumulation years but have the money come out tax free during the distribution
years? That means that you get to keep every cent and the IRS can't touch it.
Now some of you may say you have that in a Roth IRA. I would say
yes you do have some of that. think about what a ROTH IRA is
however. You max it out at a much smaller amount than a 401k. You
also get hit hard if you take money out before you government says you can.
If we had a vehicle that allowed you to put in as much money as you could,
and take out money with out a tax penalty. Would you like that?
Let Dave show you where your at, and what will happen at the current
condition you are going in. then let him show if you tweak just a couple
things and follow a system you can pay off all your debt in 1/3 of the time and
have $50,000 tax free income a year in your golden years.
Check
with us to see how well youve planned for retirement
PS. If you want to learn how You can pay off all your debts in 1/3 of the
time, and have over $50,000 dollars tax free income every year in retirement
call or email Dave.
Are you looking for a magic pill to cure your financial
woes? The average family
is one paycheck away from disaster and has over $8,000 in credit card debt. Are
you one in this boat? You must know that, becoming your own bank system is
not a magic pill to get you out of the debt woes. The good news is, Dave can
help you. He knows how to work with people to get them to a point of
paying off all debt and saving in the right way so you do not lose everything
you have.
If you're looking for a get-rich-quick product then you'll have to
keep searching. What Dave Cheatham teaches is a process to turn the
tables on the traditional financial institutions. Conventional financial
planning would dictate that in order to build wealth you need to:
Achieve higher rates of return
Spend less on your current lifestyle to save more and
Maximize your contribution to your company's qualified retirement plan
The first question that most financial advisors will ask you is how much
money do you currently have?" The next question is usually, where is it?" Once
they know where your money is they will usually start telling you about how
their products are better. Very few advisors will spend time talking with you
about the money transfer problems that erode your wealth. After all, it's much
easier to sell someone a product and go on your way because anything more than
that takes more time and energy. A person that hands you a 50 page outline of
what you should do can only give you hypothetical's. You need a person
that will walk you through how to pay off all your debt and have $50.000 plus in
tax free income at retirement while being able to get to the money if an
emergency comes up with out paying taxes.
To illustrate the point that products are not as important as the
process let us assume that we're going to send you to play tennis at the
Wimbledon tournament, one of the best know tennis tournaments of all
time. Now we have two things to offer you but you can choose only one. You
can have the tennis gear of any one great tennis
players who's ever played the game or who can have their ability. Which one
would you choose? Of course you would want their ability, or swing. This is what
we're teaching people with the Your Own Banking
SystemUnnecessary wealth transfers are the fundamental problem. The
process that we teach solves this problem and eliminates the staggering cost of
financing. Learn how to use financing as
a tool!
PS. If you want to learn how You can pay off all your debts in 1/3 of the
time, and have over $50,000 dollars tax free income every year in retirement
call or email Dave.
In 2007 the personal savings rate was negative for the first time since the Great Depression.
Americans are now spending more than they are making.
How is that possible? The previous 10 years saw record breaking growth in both the stock and real estate markets, yet most households need the incomes from both parents to make ends meet. Are you in this same boat?
Well, this has changed the fabric of our lifestyle. We are spending less time with our kids and more time at our jobs. The value of family and community has diminished. Why? Well, the answer is that most of us are trying to keep pace with Mr. & Mrs. Jackson Smith Jones's. We measure success by what we have, not what we have done or the relationships we have. This leads to ever increasing family expenditures. C. Northcote Parkinson observed that a luxury once enjoyed becomes a necessity. This is why we always live paycheck to paycheck no matter how much money we bring into our home. So, must we go backward in order to go forward? No. The problem is not what you buy but how you buy it. Did you know that roughly 33% of every disposable dollar goes to pay the interest on financed expenses? The amount is staggering! Like a fire hose we are flooded by financial institutions with offers to finance practically everything. They clearly understand the economic power of financing and therefore encourage us to do it at every turn. Just the fact that the banks mail us vast amounts of credit card applications tells you what? They must be making a TON of MONEY. With their pockets full don't expect any changes. In fact look at changes that have occurred in the last two years from them. They had the minimum payment increased from 2% to 4%, and they changed the Bankruptcy laws to favor them. No, the credit cards companies are not our friends.
So, if the banks won't change then what can you do? Well, you must put yourself in control of your money. Therefore, you must treat yourself like a banker and create your own system of banking. The only way to avoid the transfer of interest and the lost opportunity costs is to put yourself in a position where you have the choice to use your money or someone else's.
This means that you must save enough until you can choose to pay cash or finance. If you pay cash you should pay yourself back. As long as you borrow money from others you will be forced to transfer some of your wealth away. Doing this will allow you to regain control and take charge of your financial future. Ask yourself this question: If you had your own banking system would you still borrow money from the local bank? Of course not! Borrowing from yourself and paying it back means that you get every penny back. Interest charges are gone forever. Not only do you recapture the interest that you were previously sending to various financial institutions but you also recapture the principal. By transferring the financing from the local bank to your personal banking system the cost of your purchases are significantly reduced.
You may be wondering what the difference is between a local bank and your personal baking system. Well, the condensed answer is that the local banks are federally chartered institutions that require vast amount of time and capital to start. But banking itself is merely a way of transferring wealth from savers to borrowers.
What exactly is a banking?
What additional advantages would you enjoy by becoming your own banker?
Purchase a car and increase your wealth by doing it.
It's about the banking process, not a financial product.
You can get to the money when you need it and not pay a Tax Penalty for using it.
Enjoy a tax free income stream that will last longer than you will, and still be able to give money to people or organizations if you choose.
Are you in control of your money and financial destiny or is it the government, your employer or financial advisor who is steering your ship?
If rate of return is important, what is the return on tax free?
Pensions are in deep trouble, how safe are you?
Grow your nest egg predictably year after year no matter what happens to the stock, bond or real estate markets.
Do not rely on the Government to take care of you in your Golden years.
Have money if or when an emergency comes up.
If any of these things strike a cord with you get a hold of Dave Cheatham. Tell him you want to know more what "YOUR OWN BANKING SYSTEM" is all about.
He can teach you how to save thousands of dollars of interest, pay off all your bills in 1/3 of the time, and have an extra $50,000 = in tax free income a year during retirement.
Do you realize how much it is? You spend $0.54 to $0.64 of every earned dollar on taxes and interest alone. Would you like to have it back? Or do you prefer giving it to the banks and the IRS?
Are you ready to take control of your money?
If Dave Cheatham could show you how to finance something, like a car, and every other car paid for itself, would you want to hear about it?
What if you could finance your own house, a rental property, equipment for your business or even your child's education? Once you learn and apply the principles of the Your Own Banking System the opportunities to self-finance are limitless. We will educate and advise you on the Your Own Banking System. Then Dave Cheatham will help you to become your own banker so you can begin recapturing the dollars that you are transferring away. Better said throwing away, never to be seen again.
To understand this better you must know how money flows. You see there is only one pool of money in the world. Like water, it flows freely...changing hands often. Like most Water is in the oceans most money is in the banks. Companies keep it there, Governments keep it there, even financial service companies keep the money in banks.
So, what does a bank do? A bank is simply an intermediary and gatekeeper of the money pool. A bank has learned the power of turning money and dependable depositors on the wonder of compound interest. (by the way one of the most powerful forces on Earth.)
Money does not accumulate in the bank. It is continuously used and re-used. The more times a bank can turn the money the more profit they will make. Therefore, financial institutions will gladly give you, the depositor, a small rate of return for the use and control of your money. They know that they will make much more than you will by turning the money over and over. (Until we teach you how they do it that is) It's important to remember that a bank does not loan THEIR money. They loan YOUR money!
What if you could do what the financial institutions are doing?
Well you can. Dave Cheatham will Guide through and teach you how to do the same things banks do. He will teach you to become your own bank. It is not a new concept. in fact what he will teach you has been done for over 100 years. You might ask why you where not taught this before. Well he will tell you that to.
So to learn how to recapture money your throwing away email Dave Cheatham now. Dave will send you a FREE report teaching telling you how you can Save Thousands of dollars of Interest, Pay off all your third party debt in a third the time and have an extra $50,000 plus in tax free income every year in retirement.
Even though I've been using the Bank On Yourself program for over a 4 years, it was still hard for me to tell people about it.
Most articles I've read that bash Bank On Yourself say things like "use insurance to insure yourself not for saving" and "use investments like mutual funds" for investing and saving.
So even though I pay my premium every month, and I know it works, the Big companies still slammed what I was doing. i was always wondering why.
Then this week I got an email from from a friend telling about Jeffrey Reeves, the author of "Money for Life...In Good Times And Bad". He said I needed to check out this book. So I ordered hios book, and I read through it in a few hours - and then it all made perfect sense!
When you borrow money from a traditional bank (or finance company, credit card, auto dealer, retailer - you get the idea) you pay them the principal AND the interest. And at the end, assuming you pay off the debt completely, you have the product ... and that's it.
But when you create your own bank, at the end you have paid yourself the purchase price - and the interest (and NOT the bank or lender) so you end up WAY ahead! Who makes more money GMAC the car company or the Finance Company. Well the Finance Company does.
Of course, it takes a while (and the right set-up) to get your bank to the point of having enough money to make this work. So it's no "miracle cure" for all your money problems. However when done right. You can pay off your debt to other in 1/3 of the time, and have over $50,000 dollars tax free income every year in retirement. Oh, if you need the money a head of time the Government will not hit you with a 40% penalty either.
But each time you "bank on yourself" you're making yourself richer and NOT the banks! So you should definitely check out this book.
If you're thinking about banking on yourself, it's worth getting the book! Jeffrey's been giving financial advice for over 40 years, and makes a great case for being your own bank - and tells you exactly why and how to do it.
I was trained by Nelson Nash himself to create the best bank on your self for people. I love helping GUIDE people through this. If i can help you in any way please let me know.
PS. if you want to learn how You can pay off your debt to other in 1/3 of the time, and have over $50,000 dollars tax free income every year in retirement let me know.
Crazy week is sort of an understatement for the amount of economic insanity we've seen this week. Where to even begin.
Let's start with oil, black gold, Texas tea. After a larger than expected build in Crude Oil inventories, the price dropped on Wednesday to roughly $87 a barrel. I can't believe I'm calling this good news, since it wasn't very long ago when everyone talked about crude "hopefully not going over $75.". I guess it's a start and while today (Feb. 8th) oil prices are up over $89, we're still below $90 and it's start and a step in the right direction. Now if only the prices at the pump reflected the lower prices as well.
The Stimulus Package should come with a warning. There's a lot written into this package. Most notably spoken about is the tax refunds. Refunds are nice, don't get me wrong. But keep in mind what the government is trying to do with this package. They are trying to Stimulate the economy. That means they want you to go and blow this new found cash. Please don't. Enough people will blow this money to create the desired economic response but that doesn't mean you have to jump on the band wagon. Hold your cash, pay off debt or invest it. Don't buy a bunch of junk that you won't remember buying in 6 months!
The package is also calling for an increase in lending limits for Fannie Mae's Jumbo limit, raising the limit above the current $417,000 threshold. Following in turn will be increases in the FHA loan limits for many areas to Fannie's old threshold mark. For much of New York north of Westchester, the FHA limits are too low for the average home price. The increase will instantly allow thousands of people to get into fixed rates from adjustables, and borrow money to payoff other debts as the FHA will allow someone with a clean mortgage payment history to borrow 95% of the value of their home. I'm not saying you should tap all (or most of) your equity, but if you need to, then you need to, and in this time of decreasing values, you may be at 95% without even knowing it. In a sea of confusion, this is definitely good news!
Rates have been all over the map! After two rate cuts by the Fed, bond yields & rates steadily increased, but they increased slowly and rates remained around 5.5% with ease. That is, until this week! On Tuesday, the ten year bond yield opened up lower (lower yields = lower rates...more often than now). At 11am, the breaks got put on and the yield started going straight up. Then yesterday's bond auction happened. With yields so low and inflation fears on the rise, the auction went horribly. When no one wants to buy something, supply and demand tells us that the value drops. When bond values drop the yields go up and rates follow. Nice rollercoaster ride this week. Very comforting. It is believed the Fed will lower rates again. WOW
In the grand scheme of things, it's up to you as individuals to determine what helps you, what hurts you, and what doesn't even matter in the crazy mixed world. You can read the paper everyday and get their opinion of what matters to you or you decipher what's bad news for you and what's good news and what's beyond your control and what isn't. There's always a little bit of everything.
I love e-letters and E-newsletters. How many of you are using
them?
It was odd when I was talking to a friend of mine and she said she did not
have a data base of here clients and then one for prospects. This is
needed in today's age.
I think that stale email is junk and will not be read. Good content
that the person knows that they will get something out of an email will get
opened and read. this is easy to do and helps create relationships.
For me I want the relationship with everyone. I like to build a large
family of people.
Well after searching for companies and talking to people I jumped in.
I have been using Aweber Since
Septemeber. I love everything so far. It is user friendly.
Try it out for free.
This is just another tool I think people that are in the people business
should have. if not this company use another.
You will find the following here:
First Time Home Buyers tips,
learn to pay off all debt in 7 to 10 years,
Create wealth with out going broke,
Tips on selling your home FSBO in IL.
I also help people:
get out of Chapter 13 Bankruptcy in IL,
Repair their credit,
invest in Real Estate.
If you want to save money and or make money this is the place for you.
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Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
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