Welcome To Our Educational Workshop On: Living Debt Free And Truly Wealthy Thank you for coming to our Educational Seminar On The “Living Debt Free and Truly Wealthy” based on the Found Money Management Concepts: I think you’ll be really happy with what you’ll learn. The concepts we’ll present today aren’t exactly new. They’re the smart money management secrets bankers, businessmen and financiers have used for over a 100 years to accumulate large amounts of money. However, until very recently these concepts have not been readily available to or understood by the general public. The good news is that recent books like ‘Money For Life” How to Thrive in the 21st Century! and the ‘Infinite Banking System’ have changed all that… Based On The Found Money Management Concepts

This Workshop Is For Educational Purposes Only… Our Goal Is To Provide Every Family With The Strategies and Help They Need To: Be Debt Free Establish An Emergency Fund Fund A College Education Maximize Retirement Income Achieve Financially Security This is really a 3 day Educational course that we’ve shorten to give you an overview or an introduction to some of the basic concepts… Our Goal Is To Provide Every Family With The Strategies, training and Help They Need To: Be Debt Free, Establish A Source of Emergency Funds, Fund A College Education and Maximize Retirement Savings. We believe every family should have the opportunity to be financially secure…

Today is the first day of the rest of YOUR life. Ground Rules Be open-minded to new ideas Be willing to suspend your disbeliefs Sit back, relax and put your checkbook away we are not here to sell you anything Remember… Today is the first day of the rest of YOUR life. Before we get started let’s lay out some ground rules. Please Be Open-minded to new ideas that may be unfamiliar to you. Be willing to suspend your disbeliefs. These are proven concepts that work… And, please sit back, relax and put your checkbook away because we are not here to sell you anything today. Let’s have some fun… and Remember… Today is the first day of the rest of YOUR life.

How We Work… You Never write a check to me personally We are paid directly by the institutions we represent - with their money, not yours. No charge to work with your CPA/Attorney We are here to serve YOUR needs! How We Work… If you should decide to work with us, we are only paid on solutions that work, and then only by the the institution we represent. With their money, not yours! You’ll Never write a check to us personally and we do not charge to work with your CPA or Attorney. We are here to serve YOUR needs!

Interest Rates Are Samples Only… Interest Rates used in this presentation are for illustration purposes only! My attorney Made me put this in… The Interest Rates we’ve used in this presentation are for illustration purposes only! Are you ready then let’s get started…. Then let’s go…

The Facts Of Life… Out Of Control Consumer Debt Minimal Savings Stock Market Losses Low Interest Rates Soaring Federal and State Taxes Questions About Social Security Benefits and Today you can add falling house prices, disappearing jobs, flat wages, lower benefits, and skyrocketing costs for the most important consumer items First let’s talk about The Facts Of Life in our country… We have several huge problems. Is there any question that Consumer Debt is out of control? I read somewhere that the average American family has 7 credit cards, with balances totaling over $15,000. Do you think that is the main reason why most people aren’t able to save any money? And, then there’s then recent loses in the stock market. How many of you lost money in the recent stock market decline? Are you even back to where you where 5 or 10 years ago? How many of you have moved some, or all, of your money into money market accounts, CDs or savings accounts? Are you happy with the low interest rates you are getting? How many of you are paying less in income taxes than you were 10 years ago? Do you see taxes going up with the problems we face with the social security system? And, unfortunately Today you can add falling house prices, disappearing jobs, flat wages, lower benefits, and skyrocketing costs for the most important consumer items like gas…

The Unfortunate Facts Of Life… Out Of 100 People Reaching Age 65: 36 Will Be Dead 54 Will Be Financially Embarrassed 5 Will Still Be Working 4 Will Be Financially Secure Only One Will Be Wealthy The problem is, based on current statistics, by the time we would have reached age 65: over 1/3 of us will Be Dead, over ½ of us will be broke, 5 Will Still Be Working. Only 4 will Be Financially Secure, and only Only One Will Be Wealthy. The question is Where Would You Like To Be? I assume you’d like to be at least financially secure? The next question is do you have a plan Plan To make sure you Get There? Where Would You Like To Be? What’s Your Plan To Get There? The Us Bureau Of Labor and Statistics

The Great American Dream… We Grew Up Hearing… Go to College Get A Good Job Buy A House Pay Off The Mortgage ASAP Save A Little Each Month …You’ll Be Set For Life! We All Grew Up Hearing from our grandparents and great grandparents… Go to College, Get A Good Job, Buy A House, Pay Off The Mortgage As Soon As You Can, Save A Little Each Month… And, You’ll Be Set For Life! Unfortunately, is it true today?

It Was Rock Solid Advice… Because Our Grandparents and Great Grandparents… Lived In The Same House For Life Had One Job Their Entire Life Lived On One Income Retired With A Pension Had NO Credit Card Debt Saved A Little Money Consistently Could Count On Social Security Planned On Being Retired For Only A Few Years Back then it Was Rock Solid Advice… when Our Parents and Grandparents where growing up Because… They Would probably Live In The Same House For all of their Life, Have One Job Their Entire Life, Live On One Income, Retire With A Pension and they Had NO Credit Card Debt. They were able to save a little Money every year, they Could Count On Social Security being there… And they were only planning on being retired a few year. Hasn’t all that changed?

However, Life Has Changed… Today, We’ll… Move 4-6 Times In Our Life Have 3-7 Jobs During Our Life Need Two Incomes Just To Live Never Have A Pension Struggle With Credit Card Debt Save Very Little Money Worry About Social Security Being There Be Retired For 30 years, Or More Today, We’ll… Move 4-6 Times In Our Life, How many of you have owned four or more homes? Do you have a smaller or larger home mortgage now, than you had 10 years ago? How many of you’ve had 3-7 Jobs during your Life or careers? Do you need Two Incomes Just To Survive? Do you Have A company paid Pension? And let’s not even talk about Credit Card Debt, How many of you are saving consistently? Do you think Social Security will be there when you retire? How long do you think you’ll be retired? What would you like to do in your retirement years?

So, How Do We Keep The Great American Dream Alive? We Need To… Get Back To The Traditional Ways We Managed Our Money Find Ways To Cut Expenses Without Changing Our Lifestyle Find Ways To Make All Of Our Money and Assets Work For Us Establish Better Priorities In Our Financial Lives So, How Do We Keep The Great American Dream Alive? Isn’t it a whole new ballgame today? If we want to Keep The Great American Dream Alive, we’ll to get back to some of the Traditional Ways We Managed Our Money. Don’t we need to find ways to reduce and eliminate debt? If we want to eliminate our debt don’t we need to find ways to cut our debt with making huge sacrifices? We need to Find Ways To Make All Of Our Money and Assets Work For Us… Isn’t all about establishing our priorities…

What’s The Number One Problem Keeping Us From Attaining The “Great American Dream?” Auto Loans Credit Cards What’s The Number One Problem Keeping Most of Us From Attaining The “Great American Dream?” Isn’t it the amount of debt we have? How much are you paying out every month for your Auto, credit cards and other loans? If you didn’t have those loan payments how much could you be saving each month? Consider, When our grandparents wanted to buy something what did they have to do? They had to save and wait. Today time have changed, most people want it and want it now. But is all this wanting what really hurting us in the future? Student Loans Mortgages

How Big A Problem is Debt? The number of Americans filing for bankruptcy increased by nearly 40 percent in 2007… One out of 49 households filed for bankruptcy. And it is increasing in 2008. Credit card debt in the U.S. is soaring - almost tripling since 1989. The Average Family’s Credit Card balance is $19,000 Average Interest Rate Paid On That Debt? 15.15% How Big A Problem is Debt? The number of Americans filing for bankruptcy increased by nearly 40 percent in 2007… One out of 49 households filed for bankruptcy. And it is increasing in 2008. Credit card debt in the U.S. is soaring - almost tripling since 1989. The Average Family’s Credit Card balance is $19,000 Average Interest Rate Paid On That Debt? 15.15%

How Much Is Your Debt Really Costing You? If you have a Credit Card balance of $19,000, with an Interest rate of 15.15%… How much is that $19,000 of Debt really costing you per year? How Much Is Your Debt Really Costing You? Let’s think about it, If you have a Credit Card balance of $19,000, with an Interest rate 0f 15.15%… How much is that $19,000 of Debt really costing you per year?

Is that $2,878.50 better off in the banks pocket… or in yours? $2,878.50 Per Year! Is that $2,878.50 better off in the banks pocket… or in yours? If you saved that $2,878.50 each year for 5 years what would it be worth? Isn’t it costing you $2,878.50 Per Year? Is that $2,878.50 better off in the banks pocket… or in yours? If you saved that $2,878.50 each year for 5 years what would it be worth? $14,382.50 and that doesn’t count any interest you would have earned over the 5 years, does it. How much better of would you be if you didn’t have to pay that interest? How would you feel? $14,382.50 Plus Interest

What Other Problems Are A Direct Result Of Having Too Much Debt? Little or no Savings US Savings Rate In 1970 was 8% US Savings Rate Today is (– 1%) No Source of emergency funds, besides the credit card Lack of insurance! Future planning problems – NO college fund for kids, NO retirement planning, etc… What Other Problems Are A Direct Result Of Having Too Much Debt? One of the biggest problems is Little or no Savings. The US Savings Rate In 1970 was 8%, Today its (– 1%) How many of you have an emergency fund if you have a problem. Is your emergency fund you credit card? Do you have enough insurance to protect your family? How do you feel about the amount of money you’ve been able to save for your retirement or your children’s college education?

What If You Could Reduce And Eliminate All Of Your Debt Without Taking Any Additional Money Out Of Your Pocket… Or Changing Your Current Lifestyle? What If You Could Reduce And Eliminate All Of Your Debt Without Taking Any Additional Money Out Of Your Pocket… Or Changing Your Current Lifestyle? How much better of would you be?

How Do You Quickly Reduce And Eliminate Your Debt? Identify Money That You May Be Spending Unnecessarily, or In The Wrong Places Find And Use Credit Cards With Lower Rates Combine Your Credit Card Balances Use Equity Lines of Credit To Pay Off Debts Prioritize Your Spending Stop Using Your Credit Cards Devise A Well Conceived, Coordinated Action Plan, Using These And Many Of The Newest Wealth Building Strategies Of Today So, How Do You Quickly Reduce And Eliminate Your Debt? Can you find Money That You May Be Spending Unnecessarily, or In The Wrong Places? Can you Find And Use Credit Cards With Lower Rates? Could You Combine Your Credit Card Balances? Could you Use Equity Lines of Credit To Pay Off Debts? Can you Prioritize Your Spending Or, maybe you could stop using Your Credit Cards Doesn’t it boil down to making some smart money choices and establishing a plan?

If You Saved The Credit Card Interest Of $2,878.50 Per Year… In 10 years @7.2%, you would have… $43,039 In 20 years @7.2%, you would have… $129,299 In 30 years @7.2%, you would have… $307,184 Consider, If You Saved The Credit Card Interest Of $2,878.50 Per Year… Read Page Would You Feel More Financially Secure?

Let’s Talk About Retirement…

Or, The Amount Of Money You Get To Spend? When You Retire What’s More Important… The Amount Of Money You’ve Saved, Or, The Amount Of Money You Get To Spend? So Let Jump into our next topic: When You Retire What’s More Important… The Amount Of Money You’ve Saved, Or, The Amount Of Money You Get To Spend? Obviously, The amount of money you get you spend…

If You Could Take Your Retirement Income Tax Free… How Much More Money Would You Have To Spend? So, If You Could Take Your Retirement Income Tax Free… If you didn’t have to pay taxes on the income, How Much More of your money Would You Have To Spend? Or how much longer would your money last, if you didn’t have to withdraw as much money, because you didn’t have to pay the tax on that money?

If You Do A Good Job Of Saving For Your Retirement… Will You Be In A Higher Or Lower Tax Bracket When You Retire? Let Me Ask You This Question: {READ THE SCREEN!!!!} Let me ask you this questions too: What are taxes going to be 10, 15, 20 years from now? Higher or lower? More the likely than not they will be higher! What has the IRS done to us in the last 10 years? Lowered tax brackets while increasing effective tax rates, Taken away deductions, increased taxation of social security, and more Alt. Minimum Taxes Answer: Most of us will be in the same tax bracket or possibly higher.

If Taxes Will Be The Same Or Higher In The Future… Why Do We Keep Putting Money Hand Over Fist into 401k’s, IRA’s, 403b’s Etc...? Let Me Put It Another Way… If You Were A Farmer…

Would You Rather Pay Tax On The Seed… Or The Harvest? If you are a farmer and you had to go to the local feed store to buy some seed, to plant in your corn fields. And when you got to the counter to pay for the seed, the clerk ask you: Would you like to pay tax on the Seed now and get the harvest tax free or get the seed tax free and pay Tax on the harvest?

Pay Tax on the seed now… and get all the corn TAX FREE!!! I Rather Pay Tax on the seed and get the harvest tax free! But the is just the opposite of how Qualified or Regulated Retirement plans work! Regulated Retirements plan let you get a tax break on the fund your contributing, but when you retire here comes uncle Sam with a wheel barrel to collect his taxes! Uncle Sam Has conditioned us to believe that qualified/ Regulated plans are god for us, when it is actually uncle Sam’s best retirement savings plan.

More ‘Smart Money’ Moves… Now Imagine What Could Happen, If You Could Find More Money To Eliminate Your Debts and Put Into Savings, By… Increasing the Deductibles On Your Home Owners Insurance, Auto Insurance, Health Insurance, Disability Insurance, etc… Re-positioning Your Assets And Income To Qualify For Free College Financial Aid Money… Taking Advantage Of The Free Money In A 401K… Reducing Your Income Taxes… More ‘Smart Money’ Choices… Now Imagine What Could Happen, If You… Increased the Deductibles On Your Home Owners Insurance, Auto Insurance, Health Insurance, Disability Insurance, etc… Positioned Your Assets And Income To Qualify For College Financial Aid… Took Advantage Of The Free Money In A 401K… Reduced Your Income Taxes…

And, It Gets Even Better… Become Your Own Banker! How About The Next Time You Decide To Buy A Car, Make A Major Purchase or Need Money For A Business Opportunity! You Borrow The Money From Yourself Instead Of A Bank! Then You Pay Yourself The Principal And Interest You Would Have Paid The Bank! And, It Gets Even Better… Become Your Own Banker! How About The Next Time You Decide To Buy A Car, Make A Major Purchase or Need Money For A Business Opportunity… You Borrow The Money From Yourself Instead Of A Bank! Then You Pay Yourself The Principal And Interest You Would Have Paid The Bank! How Much Better Off Would You Be? How Much Better Off Would You Be?

The ‘Living Debt Free And Truly Wealthy’ Program Is Ideal For… People With Heavy Consumer Debt… People Who Are Concerned About Funding Their Retirement… Families Who Are Concerned About Funding College And Qualifying For Financial Aid… Commissioned and Self Employed People… People Who Want The Better Things In Life… Read Slide

Best Of All, With Proper Planning And Guidance… All Of This Can Generally Be Accomplished Without You Spending A Penny More Than You Are Spending Today! Read slide

So, What’s The Next Step? Is It Worth 40 Minutes Of Your Time To See If You Can… Reduce or Eliminate Your Debt! Reduce Your Income Taxes! Increase Your Savings! And Have The Better Things In Life! Read Slide

It All Starts With A Plan… Remember… It wasn’t raining when Noah built the Ark. Read Slide

“Helping people to live debt free and truly wealthy.” Any Questions

What If Your Savings Vehicle… Could Reap the Upside Potential Of The Stock Market, Without The Downside Risk! Guaranteed Your Investment Principal! Had A Minimum Interest Rate Guarantee! Offered Tax Deferred Growth! Had No Early Withdrawal Penalties! Had Tax Free Access! Could Pay Off The Mortgage If You or Your Spouse Died! Was Self Completing If You Became Disabled! What If Your Savings Vehicle… Could Reap the Upside Potential Of The Stock Market, Without The Downside Risk! Guaranteed Your Investment Principal! Had A Minimum Interest Rate Guarantee! Offered Tax Deferred Growth! Had No Early Withdrawal Penalties! Had Tax Free Access! Could Pay Off The Mortgage If You or Your Spouse Died! Was Self Completing If You Became Disabled!