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from: The Lost Art Of Saving Money
Mona McClelland
The Lost Art of Saving Money
Do you remember when the debit cards were first introduced - I
do and I said " If I have one of these cards I will never have
any money in my bank account." I have actually managed to do
better than my prediction for myself but many have not. I also
remember it being very hard to get a credit card and a mortgage.
What Happened? Really What Happened?
Every month I get a pre-approved credit card application -
giving me much available credit than I need or require in hopes
that I take the bait. I promptly rip them up and throw them
away. Tempting though! A Mortgage - "nothing down" 50 year
amortizations - I understand there is talk of making a mortgage
transferable to your kids or someone else when you pass away???
WHAT ??????? Something has to change. Educating kids in school I
think is the best solution. How about starting at home?
I found a "Wealth Kit" program that I started my daughter using
when she was six. Yes SIX! It teaches her the importance of
taking a certain amount of money she receives each month from me
and putting it away into specific accounts. ( in her case,
wallets). Here are the details of the accounts and how it works.
1. Plan : we pick something she wants, figure out how much it is
and how long it will take to save up for it given the specific
amount of money she allocates for this account each month - when
she has saved the amount needed - we go shopping!!! This is
always a very exciting and fun day!
2. Learning: This money is saved for an educational outing of
some kind ( book store, science fair etc).
3. Wealth : a specific amount of money goes to this account each
month to grow a "nest egg" so to speak - it is NEVER touched but
invested and allowed to grow for a lifetime.
4. Play : self explanatory, to be spent every month.
5. Give Away : this money it to be given away to a cause,
charity or someone in need (the child's choice).
The best thing is this program is not about the amount of money
- it is about the HABIT formed by doing this program each month.
( she gets 30.00 per month). It is time to start my four year
old. I believe this is creating an excellent life long habit and
instilling a strong financial foundation for her. This by the
way works for adults too - however most adults are not quite as
disciplined and do not have a mom or dad looking over their
shoulder guiding them and if they did they would probably tell
them to get lost anyways.
What if there was a way to get right sized financially and be
guided step by step with a plan to have a savings account an
emergency account, enough money to retire on ( even if you are
very close to retiring now)? What if there were someone who
could look at your life and help you decide, how to get to where
you want to go in the next five to ten years. How would you like
to master the long lost ART OF SAVING? How would your life
change?
Well there is such a place and such people to help. There are
Professionals who have looked at the financial state of the
country and are doing something about it. This is a program that
works very much like the one I described above but is for adults
who have extended themselves with mortgages, credit cards, car
loans etc.... It can n some cases work for those on the verge of
bankruptcy.........With a qualified, certified professional to
help keep you on track.
You even get a free assessment and if you like their program
there is NO out of pocket expense.
This program is called.........
The Wealth Acceleration Program or (WAP)
With it, not only are folks mastering the long lost Art of
Saving they are getting completely out of debt in 8-10 years
(including your mortgage and all credit cards) without their
monthly payments being affected and in some cases, lowers them,
saving the average WAP participant $200,000 in interest. And
like I mentioned this program is offered with no out of pocket
cost to anyone. Now common sense and discipline is the key to
any sound "Savings Program" and program has common sense written
all over it.
Here are the Benefits I have found: WAP Feature 1: Personal
Financial Analysis - Complete Debt Management Wealth
Acceleration Program (WAP) Financial Advisors help WMI clients
restructure their financial affairs with a personal plan for
complete debt relief in as short a time as possible. Mortgage,
credit cards, auto loans and student loans may be paid off in
8-12 years, paying the same monthly payment. The average
mortgage savings can be over $200,000.00 in interest alone! If
credit score is a challenge, our Attorney Backed Credit
Restoration Process is used. Results are possible in as little
as 4-6 weeks - credit score increases of 80-100 points or more
have been seen. If help is needed with debt or IRS negotiation.
Following the completion of the WAP, each Client receives a
Personal Lifestyle Design Plan, with an exact roadmap for every
month and year going forward.
WAP Feature 2: Minimize Your Taxes - Increase Your Cash Flow The
country's top-ranked tax expert now works for you. Are you owed
a tax refund? Our Tax Recovery Program will show you exactly how
much you may receive back in less than four weeks. You may lower
your income taxes, legally and lawfully, by the maximum
amount...forever (business and personal)! Using the Wealth
Acceleration Program, cash flow increase per household can be
from $200.00 to over $1,000.00 per month.
WAP Feature 3: Create Savings/Emergency Fund With Existing
Assets - Here is The Long Lost Art Of Saving! Our strategies
free up your hidden resources. Financial advisors are standing
by for a lifetime of WMI support. The key is to have about 3-6
months income to pay your bills in an emergency situation. WAP
Feature 4: Ensure Proper Protection Is your family properly
protected? You deserve adequate life insurance to cover the loss
of income in case of the death of the provider. It's imperative
to preserve your estate. We live in a lawsuit happy society. Are
you ready should someone sue you? Have you heard about Nevada
corporations? Are your business assets properly protected? Do
you have a Trust, or a Living Will? Are your family's hard
earned assets exposed to the predators that prey on them? The
WMI Experts, the "Masters" Program, and Lifetime Membership
guide you each step of the way.
WAP Feature 5: Build Long-term Wealth You'll learn about, and
have access to unmatched wealth creation opportunities: * Wealth
creation strategies that have, up until now, been reserved for
high net worth and very wealthy clients. Invest like the wealthy
and well-connected * Fully-funded college accounts * Early
retirement on YOUR terms - "Baby Boomers need over $1 million to
be able to retire"
WAP Feature 6: Freedom For Life - By using common sense and
mastering the Long Lost Art Of Saving.
Enjoy your new found ( or should we say old found) sense of
financial peace!
Money and Saving Tips provided by Mona McClelland CEO
ProfessionalBusiness Results www.ProfessionalBusinessResults.net
Internet Marketer, Home Business Specialist and Coach, Master
Consultant, www.ProfessionalBusinessResults.net
About the author:
Home Business Specialist and Coach Master Consultant CEO and
President http://www.ProfessionalBusinessResults.net
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