SET FOR LIFE SPECIAL CONFIDENTIAL REPORT

The Little Known, Simple 3 Step Plan To Financial Security!
How Homeowners Can Save Thousands Of Dollars Interest And Income Taxes!

Let me ask you a question:

Why Do Some Homeowners Almost Always Have More Money?

 It's interesting, isn't it?

 It's interesting that people in your neighborhood most likely have similar incomes, and yet, some neighbors live much better than the rest.

 You know who I'm talking about, don't you?

 Maybe this story we heard recently from one of our research services, will sound familiar

 As Jim pulled into his driveway, he was annoyed at himself.

 He found himself doing it again, and he didn't like it.

 Yet, he seemed compelled to do it anyway. It's just that if anyone knew what he was doing, he would really be embarrassed.

 After all, who looks at his neighbor's garbage all the time?

 Jim reached up to his visor, and pushed the square button on the garage door opener. He was lost in thought as the garage door slowly moved up. He pulled the car in, and, as usual,  had to navigate to get the car in without hitting his wife's car, or the bikes that were laying on the garage floor.

 He pushed the door opener again as he climbed out of the car, and couldn't help but glance out toward the neighbor's house. The last thing he saw as the door moved toward the concrete floor, was the pile of trash.

 He opened the door to the house, and was greeted by Jennifer. She was just getting
home herself.  She still had her raincoat on, as she was leafing through the mail.

 "Hi, Babe," said Jim as he kissed her on the cheek. He took his coat off and as he was throwing it
on the back of the chair he asked, "You know, I'm embarrassed to ask this, but have you ever noticed the Jameson's garbage?"

 Jennifer had a silly look on her face. She replied, "Well, actually, uh, now that you mention it, yeah, I have. Are you talking about all the boxes from all the new stuff they buy?"

 "Yes. I hate to even admit this, but I can't help noticing they seem to always have new appliances, or furniture, or whatever, for themselves and the kids. I don't want to sound nosy or anything, but I know Dave and Karen make about the same as us. You notice they also go on vacations a lot, and they sent Brian to an out–of-state university,  how do they do it?",  Jim mused.

 Jennifer was wondering the same thing. Actually, she was curious why so many of the neighbors lived so differently. Some better, some worse. And even though she knows there are some unusual circumstances, it just doesn't add up. How do families like the Jamesons do so much better?

 "They must make a lot more than we think," Jim rationalized, as he headed for the refrigerator.

 No, Jim. The Jamesons don't make more money than your family.

 It's that they have learned how to squeeze more juice out of their financial orange, so to speak.

 They have discovered that there are little known techniques to make the money we all work so hard for, go farther than it normally does.

 A lot farther!

 You see, the education we all get as Americans is sorely lacking in one area.

 Yet, it is an area that, next to our health, is really at the top of the list of importance.

 Sure. We're talking about your money. And how to make the best use of it.

 When you think about it, when in high school, or college, or even graduate school, did we learn how to be clever with our cash?

 Which course prepared us for dealing with taxes, or financing, or cash flow, or whatever?

 I can't remember any useful information about this even being discussed.

 Can you?

 And, on top of the lack of education, we have some people who are trying to get their hands on our money, leaving us with even less for ourselves.

 Does the IRS or the banks strike a familiar chord?

 It seems that no matter where we turn, we are being attacked by more taxes and interest expense.

 Hitting us right where it hurts.

 In our pockets. And there seems to be no end in sight!
  
 Why on Earth would they want you to find out that you have all sorts of other options that will keep money in your pocket, and out of theirs?

 When you stop to think about it, where will somebody get the information on how to beat the taxman and the bankers at their own game?

 When I first learned about the plan I will discuss with you in a minute, I was amazed. The person who taught me what to do, had learned it from a friend of his who was a banker and accountant, and had basically figured it out from lots of trial and error. 

 And his experience will be our gain.

 You see, I do not believe that our own experience is always the best teacher. A famous speaker named Cavitt Roberts once said that, "Experience is not the best teacher. Sometimes the tuition is too high!"

 And this is so true with certain financial decisions.

 If we depend on our own experience, we can often pay and pay and pay again. That's why anytime I hear of a proven method to make money by being clever and smart, I pay attention.

 Let me give you an example:

 Let's say you were able to save $1,000 in taxes or interest, by establishing a strategy that took you only an hour to set up. On the other hand, think about how much time it takes to earn that much money from working at your job.

 Isn't the value of the $1,000 you make from the few minutes worth much, much more than earning $1,000 at work? You bet it is! And that's why knowing the right strategies to create wealth is so critical.

 Its been said that one hour of planning with the right knowledge, can be worth more than a lifetime of working at a job!

 And, with all that in mind, let's take a look at a...

3 Step Plan That Can Get You Lots Of Tax Dollars And Interest Savings,
While Setting Up A TAX FREE Retirement Income At The Same Time!

 1. Interest savings on your mortgage:

 You would be amazed at how much interest you pay on your mortgage over the life of the loan. For example, over a 30 year loan of $100,000 at 9%, you will pay over $189,000 in interest! Wow. That's unbelievable, but true.

 Now, if you were to set up a prepayment plan, and add only $67 a month to your monthly payment, which would be forwarded directly to your mortgage company at the rate of only $33.50 every two weeks - you would save over $61,000 in interest over the life of your loan; and pay off your house in just under 22 years!
 If you kept paying the normal $804 per month on that loan, you would owe over $55,000 at the end of year 22. (You would still have 8 years left to go.)

 By setting up this prepayment program, you would owe ZERO at the end of year 22! What a difference!

 Do you think your bank wants you to know about any of this, and lose that extra $61,000 of interest you will pay? I think not. (Remember, they make their money by charging you lots of interest!)

 (By the way, did you know that the Federal Reserve Bulletin from 1989 says that the median mortgage balance in the country is $32,000. Even that small of a loan would provide a savings of a little better than $19,000, using the same strategy! You can see the potential interest savings is substantial, at virtually any size mortgage!)

  This strategy alone can make an incredible difference in your lifestyle. Would you like to save significant dollars of interest? Do you think you would be able to figure out what to do with it? Are you going to be upset that the bank didn't get your money? (I don't think so.)

 Now, you might be asking yourself,  "Where do we get this extra $67 a month?" Well, that's the next step.

 2. Financing things correctly:

 Most of us will not pay cash for major purchases. Anything that costs more than $1,000 is a likely candidate to be paid for with borrowed money. Like your house and cars. Or braces for the kids. Even vacations or big screen TV's. As much as we all wish we had the money, we simply don't.
 
So, we finance.

 But here's the trick. How do we know we are financing the right amounts, the right way?

 Let's look at the Jameson's again, and how they saved several hundred dollars a month, as an
example of what I am talking about.

 When they came in to get their planning set up, they had loans on both cars as well as the mortgage. They had some student loans for Jennifer, who is going back for her masters degree. They had
some balances on credit cards, and were paying the orthodontist for their son's braces.

 In other words, your typical family.

 When they financed things, they usually took the fastest, easiest way to get the thing they needed. When they shopped for a mortgage, they talked to a couple of banks, and decided their own bank had a good rate, and went with them. They got their car loans from the dealers, who had financing "deals". And so on.

 As their plan was developed for them, they saw that they needed to refinance all their debts.
 The first place to look is the home. They read in "Money Magazine" that you should only refinance when the new rates are 2% less than your current rate.  So, they did nothing.

 Well, there was definitely a different picture. After analyzing their entire situation, they were advised to use a no-points loan to pay off all their debts, except for one of the cars. The new home loan rate of 7%, was not that much lower than their old mortgage rate of 8.5%. (Thus violating the magazine's advice of only refinancing when new rates are 2% or more lower than your current rate.)

 But, what the magazine didn't know, was that by using this plan of restructuring the debts using the equity in their home to pay off all the higher cost, non-tax deductible loans, they were able to save over $400 per month in cash flow, not counting an additional $40 per month in income taxes!

Plus…Interest Owed On Most Refinanced Home Loans Is 100% Tax Deductible*…
Saving You Even More Money Each Month!
*First mortgages up to $1,000,000 have tax deductible interest, and refinanced home equity loans up to $100,000 are tax deductible. Please talk to your tax advisor before taking any action.

 See, they owed just under $13,000 in these credit card debts, unpaid car loans, school loans, etc., for which they were paying 11% average interest on those debts. Their monthly payments on all that debt were about $400 a month, with ALL of the interest cost not being tax deductible.

 Now, by refinancing those debts through home equity loans at much lower rates, they would save the entire $400 a month by getting a bigger home loan at a much lower rate of interest, and have ALL of the new interest cost be 100% tax deductible…saving them another $40 a month in saved income taxes!

 Yes, that's about $6,000 in one year. And, this savings would go on for the next 5 1/2 years. (Which is a key point I'll talk about in a minute.)

 Now, they have the extra cash each month to establish the interest savings in Step 1.

 And, they have an additional $438 per month, net cash flow, after setting up the prepayment plan, IN THEIR POCKETS!

 Not too shabby, huh?

 And all this comes from using proper planning, and not paying attention to faceless authors in magazines. Now, comes, the last step.

 Step 3. TAX FREE Retirement Income:

 So, the Jameson's have an extra $6,000 for the next several years, that they wouldn't have had before.

 Now, do they spend it? Or save it?

 We, as you probably have guessed, we recommend they do both.

 We know that no one is going to save every dime of newfound money. That is just not realistic.

 So, they were advised to spend 25% of the money, and save the other 75%.

 It was also suggested they use a tax deferred savings plan, that would only need to be funded for the next five years. (Which is the amount of time they would have the extra money.)

 You see, if they hadn't changed their loans to get the lower monthly payments, they would have had them paid off in five or so years from now. So, the extra cash flow they have from refinancing can now be saved, over those five years, instead of blown away forever to banks, credit card companies, and so on!

 With some of the plans that are available these days, they may have something real nice from this plan when they hit retirement. Something nice, like:

 TAX FREE INCOME! In addition to their Social Security, and company retirement   income! (Certain strategies create cash flow that can be free from federal taxes! There are some   little known ways to receive income that have fixed principal, and that are totally tax free!) 

 (Remember, that all this tax free income is the result of "found" money. They are using   money they "found" from their current budget to invest, that they didn't have before they   started this 3 step plan. The resulting growth of this new found investment money provides   this extra income. You'll notice they didn't have to "sacrifice" any present lifestyle to build   up this incredible tax free fund!)

 How can this income be tax free, you may wonder?

 Well, there are still some legal methods of saving money that will both grow, and be paid out with NO TAXES!

 You see, there are some types of firms that enjoy special tax treatment from Congress, such as certain products sold by life insurance companies such as fixed or equity indexed annuities. And it is our duty as Americans to take advantage of what Congress and the IRS give us!

 If we don't, we are wasting money and happiness. Which are two things we all need pretty badly.

 Does all this make sense?

 What we are talking about here is the ability to take resources you already have, and shift them around in ways most of us will never know about.

 But now you do!
 So what's the whole point of this little story?

 It is simple, and yet, complex. You see, the Jamesons discovered that planning for the future is the key. And, planning for the future is very similar to going on vacation. Instead of following a road map, you need to:

Learn How To Create And Follow A Money Map!

 First you decide where you want to go. You will have to establish realistic money goals. Be specific about what you really want. (Just like the destination of a trip. A place where you want to end up!) And then,

 Take a  look at where you are today. (Just like looking at the map, and seeing where you are starting from. Home base, if you will!) Then,

 See which "financial roads" will get you to your destination. (Some roads may be quicker, but not as peaceful. Other "roads" may get you there, but take way too much time and hassle!)

 You see, this designing a map for your money is one of the least used, and misunderstood areas of personal finance! Most of us make decisions based on intuition, impulse, fear, listening to well meaning, but misinformed friends, reading magazines, etc.

 It's like we're deciding to go on vacation, and just get in the car without a map, start driving because the neighbor's dog is chasing us, and make turns anywhere and everywhere!

 Is that any way to have a fun vacation?

 Will we ever end up where we want to go?

 Will we have any relaxation or peace just driving all over the place?

 Will we ever get any control of our vacation like this?

 I don't think so.

 And, just the same, I don't think most of us ever get a "money map" in our lives. We all run around, driving here and there, getting nowhere.

 Designing this financial plan for yourself is the secret that may change your life forever.

   Control Of Their Lives Back Through Planning!

 Life is too short to "fight" people who don't really want to PLAN FOR THE FUTURE.

 I hope this discussion of building a map for your life's road makes sense.
 
 I also hope you are thinking a lot about your own life, and whether or not you feel in control of it, or whether it is controlling you!

 As I said before, there is too much good in life, to let worry and frustration get in the way.

 I am always positive that planning may be the best weapon to stop the negative sides, and bring out the wonderful gifts we all have been given!

 So, please take a look at your situation and see if you can use the every two week pre-payment of your mortgage plan to save tens of thousands of dollars in interest and pay off your home 8-9 years earlier than you would otherwise…and if you can use your home to pay off your other loans, saving yourself even more money each month!