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Income Tax Savings

Your Last Great Income Tax Write-off, A Tax Write-Off On Big Expenses,
Greatest Discovery of the 20th Century,

Home Mortgage Interest Deduction - IRS Pub. 936

A Tax Write-Off On Big Expenses

Let's assume for a moment you have $40,000 of equity sitting in your home and $40,000 sitting in an investment account earning 7%.

Now you need to spend $20,000 for a car. (Or, College, Doctors Bills, etc.) You have three basic options:

1. You could take the money out of your investment account and pay for the car. Your cost is $20,000 plus the 7.0% of interest you lose each year on the $20,000. ($1,400 per year) In five years you've spent a total of $27,000. ($1,400 x 5 years + 20,000 = $27,000) And, you still have $20,000 less in your savings and you continue to lose $1,400 of interest per year.

2. Or, you could take out a 5 year auto loan and pay 10% interest. The payment would be $425 per month. In 5 years, you would have spent a total of $25,500. However, because it's consumer debt, you can't write it off on your income taxes.

3. Or, you could borrow the money from the equity in your home @7% and then pay the equity loan payment of $396.02 . In 5 years, you would have paid a total of $23,762. However, because the interest on the equity loan is a tax write-off you have saved an additional $1,000 or more in income taxes savings, making your total cost less than $22,762...

There is a 4th option which is even better...

Call or email me today to get your Free copy of "Living Debt Free And Truly Wealthy" booklet based on the 'Found Money Management™' Concept. Or, contact me to register for our next free Educational Workshop.

Yours in Success,

Nathalie Vaiser, FMM

Material discussed on this web site is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

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Common Sense & Accumulating Wealth, Choosing the 'Best' Investment Vehicle,
Most Investors Use Worst Approach to Pick Mutual Funds

Choosing the 'Best' Investment Vehicle

Be careful who you listen to. There is no single financial product or philosophy that is right for every situation. There are generally many ways to address your financial concerns. Remember all of us as professionals in the financial services industry, are trying to get your business, whether we are bankers, investment advisors, insurance agents or financial planners. None of us are truly unbiased. We are all trying to make a living. We all believe in what we do and we all believe that what we offer, is the best for our clients.

The question isn't who do you trust, or how do you find the best investment for your particular situation. For the majority of people, it is a question of starting a savings plan and sticking to it.... The best savings plan (investment), is the one that you start right now. One that you put money into every month, and one where you will leave the money there to grow. In the long run, it doesn't matter if you use mutual funds, savings bonds, IRA's, 401ks, cash value life insurance or stuff your money under the mattress. What really matters, is the amount you save, the length of time you save, how consistently you save and whether you leave it there.

General Tips:

Almost everyone needs to establish a financial foundation of safe money, a minimum of 6 months of income for emergencies. Once this is established, then you can start looking at the other ways to save (invest).

You should start saving TODAY, with as little as $10 per week and increase it as quickly as you can until you are putting away a least 10% of your income monthly.

If you decide that cash value life insurance is a part of your savings strategy, then do not let any one convince you to drop or replace it. It is almost never in your best interest. While cash value life insurance isn't the investment with the best returns, it may be one of the best long term investments for many of us, because while protecting our families, it forces us to save on a consistent basis.

Recognize that all Mutual Funds and Variable Products involve risk. No one can guarantee that the money will be there when you need it most. Plan on no more than a 8% annual return over the long term. There are over 1500 growth mutual funds available. Very few of them have a long term history (30 years or more) of performance that is over 8%. No one can predict the future and no one can tell you which funds will be the best performers over the next 30 to 60 years.

Find an experienced financial professional that will take the time to review your entire situation. Unfortunately, today most financial professionals (even fee based planners) tend to focus on one very limited area. Find a financial professional that will take the time to get to know you, your situation and will make recommendations based on what you really want and need.

Be very careful when listening to well meaning friends, relatives, and other non financial professionals. They mean well and they may think the know about insurance and investments, but in general they will give you poor advice for your situation. Remember, no matter how good or how much you trust your accountant or attorney, they are not trained financial professionals.

The lack of a long term savings plan, is one of the biggest problems facing most of us today. We need to get everyone to start saving for their future. Consider, many of us are going to be retired for 30 or more years. Is social security going to be there, as it is today, when we retire? How will income taxes and inflation affect our retirement? Who will have to support us in the future, if we don't plan ahead now?

Call or email me today to get your Free copy of "Living Debt Free And Truly Wealthy" based on the 'Found Money Management™' Concept.

Yours in Success,

Nathalie Vaiser, FMM

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10 Deadly Mistakes Families Make When Preparing For College,
Four Fatal Errors To Avoid, Finding Scholarship Opportunities

10 Deadly Mistakes Families Make When Preparing For College

Next to buying a house, planning for college expenses can be one of the biggest financial projects that parents and their children undertake. Four years of college costs tens of thousands of dollars, and it is increasingly easy to break into the hundreds-of-thousands range, especially for advanced degrees. Parents, don't make these mistakes that may keep your children from getting the education they deserve:

Believing that they will not qualify for financial aid! There is no real cut-off point or maximum income a family can have and still qualify for assistance. You may be surprised to learn that an increasing number of families with significant incomes now qualify for assistance.

Believing that they can't afford a more expensive college! It's not the college's sticker price that matters. All that really matters is the net cost of education after awards and aid. In most cases, there is a big difference between the family's out-of-pocket expense and the college's sticker price.

Not saving for college! With high cost of a college today, it's almost impossible to fund a college education, if there is zero savings! Consider, the more you save, the less you or your children will have to borrow.

Disqualifying themselves for financial Aid! Many families report more than they have to on the financial aid forms or they put money in the wrong places, thus they disqualify themselves from receiving financial Aid! Certain assets are counted much more heavily in the financial aid formulas than others.

Putting money in their child's name! Generally 35% of all the money (assets) in a child's name must go to pay college costs before receiving financial aide!

Not researching for sources of aid! Maybe, just maybe, you can find a grant to replace the loan for which you might otherwise have to apply.

Not filing for financial aid as close to January 1st as possible! Many colleges award aid on a first-come, first-served basis. Also, you may not be eligible for state aid if you wait until April to submit your FAFSA. Some states have earlier submission requirements.

Believing it is cheaper to go to a state school! While the overall cost of a state college maybe less, it's also true the have much less needs based aid available. Don't eliminate a school just because it's expensive. A great deal of assistance is available, and you may be surprised at how much you or your student receives.

Not understanding that tuition is less than 40% of the cost of a college education! Each school's "expected cost of attendance," typically covers tuition, room and board, and books as well as estimates for incidentals like transportation and laundry. Financial aid is based upon the "expected cost of attendance" .

Waiting to long before getting to information they need!!! Parents and students should work together to keep the high cost of college as low as possible. A well thought out plan combined with teamwork will increase your chances of receiving free college scholarships and college grants. You can't wait to the last minute to position yourself for financial aid.

Keep educational costs in perspective. College costs may be going up, but there's good news, too. Recent studies indicate that those who earn a bachelor's degree on average will have lifetime earnings of approximately 60 percent more than those who stop at a high school diploma. The return on investment can be extraordinary.

Positioning your assets and income properly came make a huge difference in the financial you qualify for. I can help you maximize your eligibility to qualify for college financial aid...

Call or email me today for more information..

Yours in Success,

Nathalie Vaiser, FMM

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Contact Information

To get your Free copy of 'Living Debt Free And Truly Wealthy',
based on the 'Found Money Management™' Concept, to schedule
a no-fee consultation, or to register for an upcoming FREE Educational Workshop
or Seminar, please contact:

Contact	Nathalie Vaiser, FMM
Email:	Nathalie@TheDreamGuardian.com
Tel	(561) 451-0075
Fax	(561) 892-2673

Located in another area or state? We have advisors all across the country. Email me with your city and state and I'll refer you to the closest advisor to where you live.

Nathalie Vaiser, FMM is a member of:

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Eliminating Consumer Debt

Consumer Debt Management, You're Not Alone, 11 Ideas For Debt-Free Living,

Consumer Debt Management

Would You Like To Escape The Chains of Debt?

Do you wish credit cards contained a warning from the Attorney General, the same as other products considered dangerous to your health!

Sometimes we can end up in debt through factors that are not within our control. Divorce, Death of a spouse, medical problems, or a reduction of income can each lead to financial hardship. Whatever the cause, financial worries related to debt can make your life interesting in ways you'd rather it didn't.

The Danger Signs Of Bad Debt

Many times we don't see the warning signs of a money crisis until it's too late -- sometimes the light at the end of the tunnel is actually another train coming... and fast. But most financial crises don't just drop on your doorstep overnight. Look for one or more of these warning signals that it's the train coming and not the light.

Do you:

Put off going to the doctor or dentist, not because you hate needles and drills, but because your finances are unhealthy?
Consolidate your debts by borrowing from a high-interest lender?
Worry about losing your job because of what it would do to you financially, even just in the short run?
Pay the absolute minimum (or nothing) on a monthly bill?
Work a second or part-time job because need the additional income to cover your bills?
Find the idea of saving money a real joke?
Panic just thinking about having to pay for an unexpected expense, such as car repairs?
Borrow from friends and relatives to cover basic expenses?
Write a check and hope that it won't clear before your next deposit?

If you've answered "yes" to any of these questions, your debt may have you heading for financial trouble. Please read You're Not Alone.

We can help you determine where you are and help you to identify your best options to get out of debt. Our services are free, with no cost or obligation.

Call or email me today to get your Free copy of "Living Debt Free And Truly Wealthy" based on the 'Found Money Management™' Concept. Or, call to register for our next Educational Workshop

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College Funding

10 Deadly Mistakes Families Make When Preparing For College,
Four Fatal Errors To Avoid, Finding Scholarship Opportunities

Four Fatal Errors To Avoid

Here are the four mistakes we see far too many families making. Failing to understand each error and its implications will have a significant impact on your final results.

Error #1. Parents often think: "What's all the fuss about? Choosing my own college wasn't hard when I had to do this."

Unfortunately, parents entering this process with the idea that "things are like they used to be" is asking for a shock. "The game" is entirely different from what it was 20 years ago, due both to demographics and to skyrocketing costs. Opportunities for good results do exist, but there is a learning curve.

Error #2. Parents and students are told: "Choose your college first, then figure out how to pay for it later."

The myth of 'choose first, pay later' is just that - a myth. College costs are so high today that both students and parents must learn what their financial options are before even beginning to search. We've seen so many disappointments in this area, we cannot stress this Fatal Error strongly enough!

Error #3. Students hear their friends saying: "You've got to get into a top prestige college or you won't get the quality education you really want."

Focusing one's search on just one or two colleges, particularly if they're "Name Brand" colleges, can easily forfeit the best opportunities available today for a very high quality education at a cost the family can manage.

Error #4. Many parents and students think: "This just can't be as much work as our friends tell us, can it?"

Every parent and every student we talk with ends up calling this process "overwhelming." Yet at the outset, no one seems to believe the friends who try to warn them.

Why? For parents, it may be part of expecting "things are like they used to be." For students, this is the biggest task they've ever faced. So it's no wonder they can't grasp it all ahead of time.

Parents! - Remember, if you don't do all you can to ensure that your child is well-educated, he or she may come back home and live with you!

Positioning your assets and income properly came make a huge difference in the financial you qualify for. I can help you maximize your eligibility to qualify for college financial aid...

Call or email me today for more information..

Yours in Success,

Nathalie Vaiser, FMM

fmms.html000644 003275 003274 00000060724 10437730364 014351 0ustar00nathalienathalie000000 000000 The Value Of the 'Found Money Management' System

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The Hot New Smart Money Concept, 'Missed Fortune' In A Nutshell
The Value Of the 'Found Money Management' System
Financial Guru - advises a BIG 30 year mortgage


	The Value Of the 'Found Money Management' System

The 'Found Money Management' System seeks to combine the best of all of the hot new financial concepts for the forgotten segment of the population… average middle American families.

Until recently, middle American families weren't considered viable prospects for these new concepts by most financial advisors. Most middle American families are viewed as living from paycheck to paycheck. They aren't seen as having the disposable income necessary to implement these new concepts. Consequently, they are rarely approached.

Our 'cutting edge' Found Money Management Concept is designed to show these middle American families how to find the money to:

Reduce Or Eliminate Consumer Debt - Families need real help to free up their money, so they can start saving for their future.

Maximize The Amount They Can Invest From Current Income - Families need help to find the money to put into savings.

Guarantee The Safety Of Their Investment Principal - With the recent losses in the stock market, most families recognize they can't afford to lose any more of their hard earned money.

Minimize Income Taxes - Is there any question that income taxes can significantly reduce the amount of money available for savings…

Position Their Money To Provide Current Liquidity - Families need to have access to their money, without penalties, prior to age 65, for college, emergencies and other family expenses.

Maximize Investment Income - It's not how much money you've accumulated. It's how much income you have to spend. Tax Free provides more spendable retirement income than Tax Deferred!

There are considerably more advantages to these concepts, than just helping you to reduce or eliminate debt and accumulate significant wealth.

Simplistic Example:


	Traditional Situation… Value of Home $250,000 20% down payment ($50,000) $200,000, 30 year mortgage @ 6.0% Monthly Payment = $1199.10 P&I Credit Card Debt $5,000 Interest Rate 11% Payment $85 per month Amount To Savings '0' Total Monthly Payments = $1,284.10 Results - In Only 9 Years… Credit Card Paid Off, Balance = '$0' Value Of Home In 9 Years = $325,000 Equity Built Up In Home = $149,455 Down payment = $50,000 Appreciation @ 3% inflation = $75,000 Mortgage Principal Payments = $24,455 Savings Accumulated = '$0' Net Worth = $149,455


	Interest Only Arm, No down Payment… Value of Home $250,000 $250,000, Interest Only ARM @ 4.375% Monthly Payment = $911.46 Credit Card Debt $5,000 Paid off Amount To Savings $372.64 per month. $45,000 lump sum Total Monthly Payments = $1,284.10 Results - In Only 9 Years… Credit Card Paid Off, Balance = '$0' Value Of Home In 9 Years = $325,000 Equity Built Up In Home = $75,000 Appreciation @ 3% inflation = $75,000 Savings Accumulated @ 8% = $150,981 Net Worth = $225,981

In this simplistic example, without the family spending any additional money, we've significantly increased their net worth by over $75,000. In 9 years, we see an incredible 50% improvement in their finances. And, that's just the beginning. It's just a matter of finding the money and managing their finances to their advantage.

By use the concepts in the 'Found Money Management System', middle American families can achieve the financial security they've always dreamed of and never thought possible.

I highly recommend you read Missed Fortune 101 and then call or email me to find out about the next FREE Educational Workshop in your area.

Yours in Success,

Nathalie Vaiser, FMM

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Income Tax Savings

Your Last Great Income Tax Write-off, A Tax Write-Off On Big Expenses,
Greatest Discovery of the 20th Century,

Home Mortgage Interest Deduction - IRS Pub. 936

Greatest Discovery of the 20th Century

Albert Einstein was once asked to name the greatest discovery of the 20th century. Most expected him to refer to his theory of relativity, nuclear energy, or some other important development. His answer, though: Compound interest. Was he joking? Look at these figures, (coupled with tax deferral) then you decide.

If you were to invest $10,000 at 5% tax deferred interest for 20 years, your profit from the investment would be $17,126. But if you doubled the rate of interest to 10%, how much money would you earn?

Although it would seem that doubling the rate would double the return, Einstein demonstrated that this is not the case: Increasing the rate by 100% increases the return by 369%. In other words, instead of earning $17,126 in interest, you would earn $63,281.

That's the power of compound interest: Money doesn't grow linearly - it grows exponentially!

Investing monthly works just as well as when investing a lump-sum: If you invest $100 a month over 20 years tax deferred, you'll have invested a total of $24,000. At 5%, your money would earn $17,103 in interest, but doubling the rate to 10% would once again increase your profit by 369%, just as before.

Without Tax Deferral
However, there is a big difference, if you have to pay income taxes each year on the interest. Based on a 28% tax bracket, the same $10,000 at 5% interest would only be worth $20,522 and at 10% = $42,026. Instead of ending up with $63,281 of interest at 10%, you only have $32,026. You lose almost 50% of your profits.

If Albert Einstein was correct and the greatest discovery of the 20th century is compound interest, then the 2nd greatest discovery of the 20th century might be tax deferral. The two together are an unbeatable combination and should be a major consideration when choosing your investment vehicle.

If you want your money to grow the fastest way possible, then stop paying unnecessary income taxes. Put your money into a tax deferred vehicle.

Yours in Success,

Nathalie Vaiser, FMM

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Wisely Using Home Equity

The Hot New Smart Money Concept, 'Missed Fortune' In A Nutshell
The Value Of the 'Found Money Management' System
Financial Guru - advises a BIG 30 year mortgage

The Hot New Smart Money Concept

A few years ago, Douglas Andrews wrote a book called 'Missed Fortune' and it's taken financial services industry by storm. This book explains, in great detail and refines in today's terms, an extraordinary smart money management concept that has been used by the leading Financial Advisors, for 100 or more years, to help Affluent Families and Businessmen to amass great fortunes.

Using this refined concept, Middle American families can now learn how to easily:

Become debt free
Improve their cash flow
Reduce income taxes
Protect the people they love
Fund a college education for their children
Plus, have the retirement of their dreams
And, in many cases these families can do it all without changing their current life style.

When done properly, using the 'Missed Fortune' concept, you can dramatically enhance your family's situation almost overnight, without taking extraordinary risks. In fact, as you'll discover while reading the book, by using this smart money concept you are actually significantly reducing the risk in your family's financial life.

How This Refined Smart Money Management Concept Works
In a nutshell, the flexibility of new innovative mortgage products have expanded over time and now include products featuring 'Interest Only' payments rather than the combined principal and interest payments of a traditional mortgage. These new products can help families to free up money that they typically would have put toward the reduction of their mortgage principal. This freed up money can now be used to quickly reduce debt and create an extraordinary investment plan for the future.

Using Home Ownership As A Strategic Investment
In a recent Morgan Stanley article, they state: The decision to invest in a home is not only a practical decision in terms of meeting lifestyle and family needs, it can also serve as a means of accumulating wealth through property appreciation. Additionally, the favorable tax treatments of mortgage interest and capital gains have made home ownership a strategic investment decision. Along with the deductibility of mortgage interest and the special treatment of capital gains there are unique benefits associated with leveraging an investment that is a relatively stable asset. The wealth accumulation benefits associated with a tax-advantaged, highly leveraged purchase, such as a home mortgage, can be substantial. Thus, a properly financed home can enhance an individual's overall investment strategy.

An ARM Can Save Homeowners A Ton Of Money
According to Chairman Greenspan: Homeowners can save a ton of money if they use an adjustable rate mortgage instead of a fixed rate mortgage. For his evidence, he pointed to what would have happened if you had taken out an ARM 10 years ago. Back in 1994, fixed rate mortgages were around 8 percent and adjustable rate mortgages were in the 6 percent range. Since then, rates have been on a strong downward trend: a 30-year fixed rate currently carries a 5.5 interest rate, while an ARM can be 4 percent or lower. So if you took out that adjustable 10 years ago, every time the ARM rate came up for an adjustment - back then you had your ARM rates reset every 12 months based on the then current rate - chances were slim that your payment would increase, since rates were falling, not climbing.

The Investment Plan For The Future
In order to take advantage of the unique benefits of leveraging a home, you need to guarantee that you are not putting your home at risk. There are some unique features in some non-traditional investment vehicles that make them the investment product of choice. In addition, the money inside these products can, in many cases, grow tax deferred and can be taken out tax-free.

I highly recommend you read 'Missed Fortune 101' and then call or email me to find out about the next FREE Educational Workshop in your area. (I've included a link below directly to Amazon.com if you would like further information on this book)

Yours in Success,

Nathalie Vaiser, FMM

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Earn Residual Income, Save Taxes Every Year, and Retire Early with your Own Home Business!

Previous generations typically lived on one income, retired with a pension, and could count on social security. Today, things are very different. Most families today live paycheck-to-paycheck, or worse (the average net worth in the United States went down last year, meaning that people were spending more than they earned, and/or were dipping into savings)

We cannot depend on Social Security, as we do not know for sure if it will be there for us when we retire. Most people today don't have a pension, and most of us are not putting enough money away for retirement. We're working long hours and have little to show for it at the end of the week.

The worst part is that after 45 years of working, only 5% of the population is financially secure when they retire. The other 95%? Well, most of them spent 45 years building other people's retirement accounts.

So what is the solution?

As a financial planner, one of the things I education my clients about is the difference between 'passive income' and 'earned income'.

Passive income - is money that you earn even while you sleep - even while you vacation! You don't have to 'come in to work' and you still get paid. Examples of passive income are: owning an apartment building (rental income), investment portfolios, and home businesses that offer Residual Income.

If you are a salaried employee (i.e. - you get paid by the hour or week), you are trading time for money which is called Earned income. The problem with earned income is that there are only 24 hours in a day, so there is a limit to how much you can earn. The only way to earn more money is to get a higher paying job, work longer hours, or get a 2nd job.

Worst yet, if you suddenly get sick or disabled and cannot work, your income stops.

If you are a salaried employee please know that I am not suggesting that you quit your job (at least not yet!). What I am saying is that there may be a way for you to keep doing what you're doing and increase your income (substantially!), and this may allow you to one day quit your current job and have the financial and time freedom most people only dream of.

So what is the key to wealth?

The key to wealth is leverage...

There are several kinds of leverage. One example of leverage is using other people's money (ie- the Bank's money) to make more money, such as when you buy a rental property for 10% down - you would be controlling a $100,000 property for only $10,000 of your own money. Now that's leverage!

But not everyone wants to get into real estate, or can afford to. Not everyone has the funds to put together an investment portfolio so that they can earn passive income. The good news is that there is also another kind of leverage - Time Leverage.

Time Leverage is using other people's productivity to make money. Almost all traditional businesses use time leverage (i.e. - companies hire employees, manufactures contract distributors, etc...)

There are only 24 hours in a day, so how do some people make over $1 million dollars per year, and some make only minimum wage?

The wealthiest people in the world became wealthy by using leverage combined with passive income. Certain home businesses have BOTH leverage and passive income, and can be done with as little as 5-10 hours per week.

Best of all, having a home business can not only help you make extra money, but it can also help you save money...

Tax Deductions

Employees (vs. business owners or self-employed people), have very few tax deductions right now.

In contract, by operating a home business, you can deduct business-related expenses, which are often things you are already spending money on (your car payment, gas for your car, cell phone, internet service, education, books, your mortgage or rent, restaurant meals and even your vacations if they have a business purpose!). Your tax preparer or accountant can work out for you exactly what can be deducted and how much. The bottom line is that a home business can be started for as little as a few hundred dollars, and you will probably save much more than that each year in taxes! Not only that, but you will also be earning money in your spare time from your home business, which can go towards paying bills, saving for a vacation or college fund, or saving for retirement.

If the home business you select has residual income and leverage, you only need to spend 5-10 hours per week working in your home business.

If you would like to know the name of a reputable home business that offers all these advantages, email me and I'll be happy to share it with you.

I highly recommend that everyone consider having 'multiple streams of income'. A home business that uses leverage and that has residual income is the best first step to building wealth and can lead to financial freedom (fire your boss!). Once you are financially secure, you may then want to look at adding other 'streams of income' such as investing and real estate.

Yours in Success,

Nathalie Vaiser, FMM

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ÂCB"óøÔÚl&ÆÆœ£8có;Õ«Û•OµE§È·V¬Ô¶p8§+£ØR—-®tP:ËÖr²wJËMIeŠ·Uáþ•$ìªÛ«¥5k3ŸTô2îBÁt»†CpßJ¯pï§ÝÇ?J¿>ÉÀîÊsŠ¥} ½¡+‡ÆPúã¯J2GE)¸½Kv×Ý[píVÖìg¯Ö¸»-RD™¢o•Ôà_zÞŠê)BåyÇZñçIÄïQæÔÞY22)ä‡\6Hö¬¸g5igÈ®w%D´ªIù[äîµ-¹"RyÀQf©–jF2¢h+Ô÷"ÞÆFQó–£Y«3]ûT‘Z¼dŽ9x©÷‡Ö»òÈFXˆóžn=JeÊX…0…À}à2¿ˆ5‘sàíêð^Ib#¸ê$‰Šäúâµl®!T]ò¡b9QØúUÁ ãÉ?v¾â¤WCä¥ÎBïIÔlIkiÚTme$Ò±íõw²½ižÒ#)\Œ×¡Ü\yaP·5Mt]?\µ™µ}û²¡Á*Ê\0éÚ¹1“7žÌîÁ9Nª±Âkž"´¾Óžµ1Î(Ûðÿ9¬m7ÂMâ˜ä»K«xcF ¼‚íœ~FºOx3Ã~ˆÞÉtdIKy6×oæ>ìlaÏ^Õçˆ.4HOm&örñ¶yþuŽ'ÃcÐ«ójz¤ Òìá…${‹‰@ÊÏ±[ètøcGX”‹SœÏSYÖú½¾¤ñ<0@$+V×ŸµEgVW–‡M{º‘ O‹ýZÈ¿SV`±Š&Â8éQyÕ=¼œÐ›{„©®‡E¤Eå©Ï#µyßÅùm¿ëÍô7¯DÒÎac^uñ;þF;_úò_ý ë“1ÿwù¢#¤WžßÌÎMgK¦[™Abzs[Tä\±Ï<×¤`RM9â‹Ëˆ¬iœàUØ^UbäŒÖ¬’˜Îî¼àæ²õ'Þ+)ÈÚ?µ64£ñü¼ƒµ›1†2áK×qZ²dCYW8ï\2=#”Ôu˜mûÎO©Á/…ïÅÝ«áþt“¦Çñf€Òù·–Î¨ °në\÷ƒõ‘e¬¤Ü œríÑˆ#úâ¦+S¡ü'¬³‡žŒz“Þ"ù‘óÏÒ«o ž~•m$U‹å¦“wdô+¬[rqPÈª<ƒíVdÏ¿Vše‚åI…›ØäµÛ)cº†âÎ';¾WX—'×?6ÓT+…‘YX09È5Ñ¥ÂÂ0$sô«÷–6ú‚Ÿ6%‡ß 7ÄÕÇ«Fèo0ö/–kCAN0F ]Žì0<Ölžº€Ÿ²N’'÷‡J¬džÌùsÄñŸGçõé^ulJ}B†2•etÎ’;‘ëÍXIø÷®nå8ÁÍ]†ðdpÊ‹[›8'ª6^ïdLëÎËî}*T†x£*·ßø„ƒ†ük×µÓ¤YÛùHe;qVÈúÒéÞ?Ó®YRàIlÇøO*?^¦ hóZç…~ÿ*v:¶HTæ[6„ŸãO»úR„˜®ëyV`@[mF˜ƒBé"žAF4Mm ÓnRÈøÆbÂŸÆ½:ugû©|™ãU¢Ÿñ£óFN¡y}5ëEoi!”àŒŒÇ?Êº{EZ¤ä.Ö_SÜç½PŽ{ˆ¤ò$t / Î= Mç*D}ÅyÙŽ2®&kÕŽÜbê§sšñÎ7ˆÜ[Ü$Oh1H£i'¿×ükÉµÏê-æÞ[5£ÄðŒÆÞÄž•íÌàÊÌ;škm1²¤r¤pkÝÃa£N’‰ÃR³uâÚ6«©éSÇ$¬þPÌlXÃ5ê:Vºº„1º¶yX«‘ŒOùÿ® mÓ?p äœ¨àu«ÐØD«Âýþ_—ô¬d£s¶Ü·= ´Öí¶æŒž›×iÿ µÊŒÇ5ƒ ê÷út>P+uef$ÂºX/¬/~gG³“©P£oáŠR¨ú“þ§ç¸ñ%·ýy¯þ†õè¶#_–Epz^uñ8ƒâ;R3ÿk×ý÷®,Ëø4L5‘ëÅ¹ ÔSn$òåúõÍ8Sp¯DÈËÖX¥‹2õ:VZÅ î Öõâ,•aòñX@=»(8]¨¢I¿ÕV]ÉV¤ÿê½«"èÎkÐØÄÖŠœÇ8ùz×ŸøjòÊÛÄñ¥å¼r¬òª«•)9ÏÔƒ]Æ¹6ÛiG+^_bOØ*.ìÜÆþaÅ:JîÆÒ“Pg¯a£v…Ž99«Ú®Â$ÈÙÇãXZ×ˆlfñ<–6²ÆÍc2«pÍ1ÓYµRŒ„(}²g(ÚLšNðÔÕ“‘º$ïéŠ©tüÒÏqÖ§O£ÌÓË'üþT«o_4Q…'¿_çRÊNÌ£$+"åTœµrÒUh¼³’ËÉ_QO“8ôúVUÃÉˆãGò®Œ=Og+œ¸šn¤MFG¸öŽ‹µ‚°ô#"©Xß¥Ü;˜ªÈ8`z´O5ì' Êìñš©FZwº43±kv¿Ðœþ›5ÝÄ‘SûèsùŽÕÒ–ìM4±+Ž¶_F¡èPÍëQÑêrþ|r “ÉýÉcò5—}áÛ+ÄchRÚcÏVÚ}±œWi5µÐÄÐ«^†²î4w…ZJòÒ3ŠâX\NøCÑx¬&1^º³87Òu%„ù 'ñ@r?*ÞÓÑkžÎÒ?,Rž65#lD5îLr·|<î»U…ú^À·hÅ’Nc,9ÛÿëÍY’l¦3Á¬+iÖ(R4 " zV€rÀdñÚ¸ð}®-Ml1ÏØaùÄÉƒaºñK¿Þ«îçöò#šú¦·>a;³²€¦¦ÈËüdcÛ5Ò$1ã£EãEÖÉ^€î?§øÖƒÚ¼ŠŸîSøPÁ ‰Á\óýÓŠì¬ôä60Lò¤{Ó'ws\ˆrÇ^+«1Ës-¼ p¯×´Í[sWN\‘Á®âVá!µÏ_±¯þ†õé6Vij9ÝŽkÍþ&xŽØÓšÿèo\YŸû¿ÍOâ=Jô ÍŸJ§gv˜Ž†®_>ÕÌÝ»$á”äÖ»ÌÎ†ïæ·lpr+žŒ“'=+VÚùo¬Çß\^ýkÌ÷y¬jìtPz–eÉŒûV5Óœ+KÏ žµ™w€Ï5ÆÙÝ©Èx‚áL2rF?yŒ—mr&Ê¼m¹XpAƒ^¬éšÜOö{mÞœã5çŽ‡«Äì’iÒàõ8ãtÝ™¬šå²$ÐOp¯¿YH÷lóùžõêÖs:®Ö2÷Çyå®—&•§Xê ‘®Nf¶ÛóÀÀþXÇ½wv—ñ\ÛEp¸#f×Çj*êÈ†ŠÆõ´ù5eÝJð9õ¬he,$zÕØüÂ0k{êSD¥³Öª\ òØŒƒÚ¦ÚÔÿ/rj‘'8c :í%K>µ«k|[1M÷×¸¦\Ûmç±ª‚·™ò°Û"t>¢º¨ÕpzÕ©*ŠÆ÷9¦“ÍU´¹2!G?:õ©KgõëÂJ¤nptåf=ž‘ŸñúÔLÔÆsUÒÄÈVE+"+ö†k2m*ÙÉdg¾E\f5sÐŒŠÆ¥sø‘ÑCR‡ÂÊé÷M—u1ã‚+D>8ì*“îñéš¥#×éSF„)7ÈrñÉW³›½‹-%4ÉUcïL3c×Žk£Ðãw¹˜ FbsÏCVEÀ÷ªWáa·7.ùüª¼7aÈPAcØW•8¾cÜ¥%Évo[fI‚¨É${z×[my%ôˆß0=µbh6f .'\9*÷ë]!µK² %w¼`âµ8êÎòÐÝ°¸ŽáALç¸5æÿÆ‡ò¡JÁÊfKÜF`—&=à‚?µe¦ØÃ"²Å¼ŽìMLmÏ¡ü©ÑÆÈk7{šsÊÖ7¥\Ç±³k'½s¶ÍòŠÛ´jRÔgAjÛ°2µy¿Äßù-¸Çúÿèo^‰dyZó¿‰ßò2[×šÿèo^Nh¿pýQÓIêzëµej–l€•L²çùV¤µF@Qó z"ç›_«*zƒŠéb€™Â?•hÍ£ZK!Çóõ&¤Œ;VUV†Ô¥r(R¦*j’8¹©¼O5ŠœŒ×W9Àª¤K’0yÃÒ™µG)òLççÑR÷›Ç` 4h¶)ò%²–÷®…“ŠjÛ{9CœÉ‹M‚Õ|ØâT~„Šž8ÃŽ:Uëˆñ¬_»SK”9†½¨ãµ]1äTF.hå1\ÇxªíÁ«Æ*Ciòƒ‘<%Y/½H±—ŒV„Öù\`ÔkoŽÆ¶„¹Lj.tRh½©µiùt©\äq±ŽÐJaƒÚ¶M¿ 7ìÜt4î+†éQ›p{VÙ¶ç¡¦›lö4\f'ÙÆzS ¸ôÃkÇCMû(þíŒO³JO²JÜû(ÇÝ¦ý”v‹…Œxá(zV¡ÂÓþÊ?»OŽÀ4››.J×ž|Mÿ‘ŽÛþ¼×ÿCzô+»ÍyïÄÏùëÍô7¯/4þõFÔ¾#×e¨<£Ö &Ñé]÷"Å33Éöhô¦”_JOVT]Šk)ÞQõ«AÒ—búTµ¨ÔŠfŠAW6/¥Ò—(9|aNò~•ghô£ŽPæeí÷©Õ ½¾ÈöúV¦ÑéH#Aœ´r‹™”Ì?Jiƒ'µ_Ú¾”›ÒŽQó2‡Ùþ”}ŸØUý‹éFÅô£”\Ì m³ØS×ØV–Åô£bžÕV™ŸfúR}—éZžZúSv/¥4ÄÑ›ö_¥!´æ´ö/¥ÒÅc/ìJi´•±}(Ø¾”\,d}QöA[5þè¥òÓû¢‹#ì‚—ìJØòÓû¢“ÊOJ.?ØÅ'Ø…ml_AFÅô\LÉŽŒt¯5ø™ÿ#¯ýy¯þ†õëþZg;kÉ>)¾&¶þ|×ÿCzóó?÷š4¥ñÿÙimprove-cashflow.html000644 003275 003274 00000053425 10437730364 016674 0ustar00nathalienathalie000000 000000 Money-Saving Tips

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Money Saving Tips
Below is a list of money saving tips that you can use to improve your current cash flow right now. Some of them are self-explanatory. Some of them we will write about and explain more fully in the coming months. Saving as little as a dollar a day can mount up very fast.

Housing
Learn to do simple repairs.
Do your own decorating.
Do your own painting.
Lower the temperature at night.
Plan meals to use minimum of food.
Use lights only when necessary.
Carry only replacement value insurance on house.
Conserve water.
Make only emergency long distance calls.
Stand up when talking long distance or use a timer.
Write letters /E-mail.
Give up all unnecessary services on your telephone.
Improvise furniture, shop garage sales.

Use worn out towels to make wash cloths.
Use glass instead of paper cups.
Make your own cleaning supplies.
Use washable dust and dish rags.
Equip the house with storm windows and doors, if possible.

Food
Pack a Lunch - "Brown Bag" as often as possible ($5.00 a day saves $25.00 a week: $100.00 a month)
Cut down on meals away from home.
Consider generic foods.
Take advantage of seasonal specials, especially fresh produce.
Do more cooking from scratch.
Use crock-pot methods to cook less tender cuts of meat.
If storage permits, buy in quantity if cheaper.
Preserve food when feasible.
Grow a garden.
Stretch hamburger with bread crumbs, oatmeal, or tomato sauce.
Avoid buying snack or "empty calorie" foods.
Use equally nutritious reconstituted dry or evaporated milk, for cooking instead of more expensive whole milk.
If space permits, store products in freezer to prevent spoilage.
Cook only as much as will be eaten unless it can be a part of another meal.
Use leftovers (planovers) in soups and casseroles.
Limit food shopping to once a week; the less trips to the grocery store the better.
Plan menus in advance for your shopping trips.
Use coupons for items, you regularly buy.
Make a grocery list, and use it!

Transportation
Use public transportation or car pool.
Get rid of one car. (If you need a 2nd get an inexpensive used car)
Consider moving closer to work.
Drive small cars that cost less to operate.
Do your own maintenance.
Increase deductibles on Auto Insurance

Clothing
Sew as much as practical, repair, remodel.
Buy clothing that is washable. (Do not buy clothes that require dry cleaning)
Carefully coordinate.
Hang on clothesline to dry instead of using a dryer.
Organize laundry so that a minimum number of loads are run.
Use detergent that works well in cool and warm water.
Mend clothes promptly.
Have children change to old clothes for rough play.
Buy clothing that does not need ironing.

Health and Medical
Service nutritious meals.
Follow safety rules to prevent accidents.
Have regular check-ups.
Carry only one health and accident insurance.
Investigate services offered by the health department.
Use immunization clinics.
Develop good health habits.
Stop using tobacco, alcohol and/or addictive drugs.
Learn to take temperature, pulse and respiration.
Learn about symptoms of common diseases in order to determine if seeing a doctor is advisable.
Increase deductibles on health insurance

Education
Use the public library for reading materials.
Subscribe to only one newspaper.
Cut out subscriptions to magazines that entertain only.
Study to improve your qualifications for the job you hold.

Employment
Develop skills to enhance your position.
Make your position more secure by being a valuable employee.
Use washable uniforms.
Share transportation.
Let your boss know you are interested in additional training.
Start a Home Business in your spare time

Child Care
Investigate government or church operated nursery.
Schools that are operated for children of low income families.
Share child care responsibilities with a friend or neighbor (or spouse).

Gifts and Donations
Carefully consider each situation and cut out all monetary giving that you possibly can.
Make gifts instead of buying them.
Give or your time instead of your money.

Recreation and Entertainment
Do family things together that are in inexpensive.
Consider the costs or habits such as smoking.
Attend high school and sports events instead of more expensive college and pro events.
Have potluck affairs at home.
Take vacations at home.
Use public parks and picnic areas.
Eliminate cable TV.

Personal
Select cosmetics that are reasonably priced.
Do your own shampoos, sets and blow dries.
Cut children's hair yourself.
Set reasonable amounts for children's allowances and have a definite understanding of what the amount is to cover.
Carry only pocket change needed for bus fare and small items.

Savings
Determine your saving goals.
Be willing to compromise.
Use payroll deductions for savings.
Save bonus income.
Keep your loose change for savings.
Save on a regular basis: pay yourself first.
Alter your spending habits
Use savings for emergencies only.
Make saving a family affair.
Put your budget on a diet!

Miscellaneous
Have legal aid evaluate alimony payments.
Consider all costs to determine if family really profits from two incomes.
Reduce pet care expenses by doing your own grooming.

Call or email me today to get your Free copy of "Living Debt Free And Truly Wealthy" booklet based on the 'Found Money Management™' Concept. Or, contact me to register for our next free Educational Workshop.

Yours in Success,

Nathalie Vaiser, RFC, FMM

Nathalie Vaiser, RFC, FMM is a member of:

Portions of site © 2005 Lew Nason, RFC, FMM, Other portions © 2005 Nathalie Vaiser, RFC, FMM, Dream Guardian™.
All rights reserved.

Material discussed on this web site is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

Are you a business owner? Check out PromotionalResource.com for custom imprinted promotional items such as printed magnets, imprinted pens, printed coffee mugs, and more!

financial Florida planner, Boca Raton financial manager, Boca consultant financial Raton, Florida financial services, Florida financial manager, south Florida financial manager, coral springs financial, debt settlement Florida, Florida debt consolidation loan, debt consolidation Florida, debt elimination Florida, Florida debt collection law, financial advisor Florida, advisor financial Florida insurance, college Florida plan savings, college Florida savings, Boca Raton consultant, Boca consultant financial Raton, Florida annuity, Florida financial advice

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Income Tax Savings

Your Last Great Income Tax Write-off, A Tax Write-Off On Big Expenses,
Greatest Discovery of the 20th Century,
Home Mortgage Interest Deduction - IRS Pub. 936

Your Last Great Income Tax Write-off

According To Morgan Stanley…
"The decision to invest in a home is not only a practical decision in terms of meeting lifestyle and family needs, it can also serve as a means of accumulating wealth through property appreciation.

Additionally, with the deductibility of mortgage interest and the special treatment of capital gains there are unique benefits associated with leveraging an investment that is a relatively stable asset.

Thus, a properly financed home can enhance an individual's overall investment strategy."* www.msdwhomeloans.com - 'Liability Management for Wealth Creation'

The deductibility of home equity interest provides a substantial opportunity for sophisticated tax planning. The interest rate on a home mortgage is generally much lower than credit card rates of 18% to 21%. It's a financial slam dunk to pay off that debt with your home equity. Not only would you pay a lower rate, but you could also write off the interest as a tax deduction. (If you itemize deductions on your 1040)

Make All Your Interest Tax Deductible
Consider, interest is the fee you pay for the use of someone else's money. However, can't you in effect, lower that fee if you can write it off as a deduction on your taxes? The problem is that under the current tax laws you can't deduct interest on credit card loans and personal loans (consumer debt). Generally, that means you must find a way to turn the interest (fee) into mortgage debt.

Consider: If you're in the 28% tax bracket and you pay $10,000 of interest on your home, $2,800 of those payments can come from the IRS in the form of income taxes you don't have to pay. (If you itemize deductions on your 1040)

How Much Can You Write-Off
Interest deductions on a first mortgage are straightforward. They apply to both first and second homes. Generally, you can deduct all of the interest you pay on a first mortgage each year, up to the smaller of:

The total cost to buy or build your home plus make any improvements,
Or $1 million ($500,000 for a married individual filing a separate return.)

Remember, the cost of your house includes more than the amount paid to the seller. It also includes appraisal fees, title search, title insurance, transfer taxes, broker's commissions paid by the buyer, survey fees, bank or lender fees, legal fees, mortgage taxes, and any other nondeductible closing costs such as postage. It could also include the purchase of additional land adjacent to your home.

Deductibility Home Equity Loans
Interest on home equity debt is deductible to the extent the debt does not exceed $100,000 (or $50,000 for a married individual filing separately). Technically, the limit is the home's fair market value in excess of any outstanding home acquisition debt, with a $100,000 maximum.

The beauty of home equity interest: How you use the money is irrelevant. Money can be borrowed for vacations, parties or to pay off other debt.

To understand the mortgage interest deduction rules, read IRS Publication 936.

Use Your Home Equity Wisely! Learn How To Get The Best Possible Mortgage Loans For Your Situation...

Call or email me today to get your Free copy of "Living Debt Free And Truly Wealthy" based on the 'Found Money Management™' Concept.

Yours in Success,

Nathalie Vaiser, RFC, FMM

Nathalie Vaiser, RFC, FMM is a member of:

Portions of site © 2005 Lew Nason, RFC, FMM, Other portions © 2005 Nathalie Vaiser, RFC, FMM, Dream Guardian™.
All rights reserved.

Material discussed on this web site is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

Are you a business owner? Check out PromotionalResource.com for custom imprinted promotional items such as printed magnets, imprinted pens, printed coffee mugs, and more!

financial Florida planner, Boca Raton financial manager, Boca consultant financial Raton, Florida financial services, Florida financial manager, south Florida financial manager, coral springs financial, debt settlement Florida, Florida debt consolidation loan, debt consolidation Florida, debt elimination Florida, Florida debt collection law, financial advisor Florida, advisor financial Florida insurance, college Florida plan savings, college Florida savings, Boca Raton consultant, Boca consultant financial Raton, Florida annuity, Florida financial advice

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Florida Financial Planner

As a Financial Planner in South Florida, I have found that given today's current volatility of the stock market, low interest rates, out of control consumer debt and conflicting advice from experts, it is very difficult for families to know where to turn and what to do to achieve financial independence.

Add to that the new tax laws, new investment strategies and the availability of many new innovative investment products, it makes it very difficult, if not impossible, for most families to keep up to date and sort through it all.

My goal as a financial planner is to provide you with the information and tools you need to help you understand the many complex financial issues we all face in today's tough economic environment.
Today, most families are looking for more effective ways to secure their financial future. They recognize they need a better strategy as a foundation of their overall financial plan, instead of just relying on the traditional financial planning techniques that aren't working in today's economic environment.
We've developed this unique web site to help you to:

Reduce Or Eliminate Consumer Debt - Families need real help to free up their money so they can start saving for their future.

Maximize The Amount You Can Invest From Current Income - Families need help to find the money to put into savings.

Guarantee The Safety Of Your Investment Principal - With the recent losses in the stock market most families recognize they can't afford to lose any more of their hard earned money.

Minimize Your Income Taxes - Is there any question that income taxes can significantly reduce the amount of money available for savings!

Position Your Money To Provide Current Liquidity - Families need to have access to their money, without penalties, prior to age 65, for college funding, emergencies and other family expenses.

Maximize Your Investment Income - It's not how much money you've accumulated. It's how much income you have to spend. Tax Free provides more spendable retirement income than Tax Deferred!

If you want to have the better things in life and secure a solid financial future, I think you'll find the information on this site of great value.

Sincerely,

Nathalie Vaiser, RFC, FMM
Florida Financial Planner
P.S. Call or email me today to get your Free copy of "Living Debt Free And Truly Wealthy" based on the 'Found Money Management™' Concept.

P.P.S. We will be updating this site every month with the latest information you need to help you to Live Debt Free And Truly Wealthy. So, bookmark this site right now and visit often.

Nathalie Vaiser, RFC, FMM is a member of:

Portions of site © 2005 Lew Nason, RFC, FMM, Other portions © 2005 Nathalie Vaiser, RFC, FMM, Dream Guardian™.
All rights reserved.

Material discussed on this web site is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

Are you a business owner? Check out PromotionalResource.com for custom imprinted promotional items such as printed magnets, imprinted pens, printed coffee mugs, and more!

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Given today's current volatility of the stock market, low interest rates, out of control consumer debt and conflicting advice from experts, it is very difficult for families to know where to turn and what to do to achieve financial independence.

Add to that the new tax laws, new investment strategies and the availability of many new innovative investment products, it makes it very difficult, if not impossible, for most families to keep up to date and sort through it all.

Our goal is to provide you with the information and tools you need to help you understand the many complex financial issues we all face in today's tough economic environment.

Today, most families are looking for more effective ways to secure their financial future. They recognize they need a better strategy as a foundation of their overall financial plan, instead of just relying on the traditional financial planning techniques that aren't working in today's economic environment.

We've developed this unique web site to help you to:

Reduce Or Eliminate Consumer Debt - Families need real help to free up their money so they can start saving for their future.

Maximize The Amount You Can Invest From Current Income - Families need help to find the money to put into savings.

Guarantee The Safety Of Your Investment Principal - With the recent losses in the stock market most families recognize they can't afford to lose any more of their hard earned money.

Minimize Your Income Taxes - Is there any question that income taxes can significantly reduce the amount of money available for savings!

Position Your Money To Provide Current Liquidity - Families need to have access to their money, without penalties, prior to age 65, for college funding, emergencies and other family expenses.

Maximize Your Investment Income - It's not how much money you've accumulated. It's how much income you have to spend. Tax Free provides more spendable retirement income than Tax Deferred!

If you want to have the better things in life and secure a solid financial future, I think you'll find the information on this site of great value…

Sincerely,
Nathalie Vaiser
Nathalie Vaiser, RFC, FMM
P.S. Call or email me today to get your Free copy of "Living Debt Free And Truly Wealthy" based on the 'Found Money Management™' Concept.

P.P.S. We will be updating this site every month with the latest information you need to help you to Live Debt Free And Truly Wealthy. So, bookmark this site right now and visit often.

Nathalie Vaiser, RFC, FMM is a member of:

Portions of site © 2005 Lew Nason, RFC, FMM, Other portions © 2005 Nathalie Vaiser, RFC, FMM, Dream Guardian™.
All rights reserved.

Material discussed on this web site is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

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index_copy(2).html000644 003275 003274 00000052023 10437730365 015745 0ustar00nathalienathalie000000 000000 Dream Guardian - Helping Families to Live Debt Free and Truly Weathy...

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Eliminating Debt

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Given today's current volatility of the stock market, low interest rates, out of control consumer debt and conflicting advice from experts, it is very difficult for families to know where to turn and what to do to achieve financial independence.

Add to that the new tax laws, new investment strategies and the availability of many new innovative investment products, it makes it very difficult, if not impossible, for most families to keep up to date and sort through it all.

Our goal is to provide you with the information and tools you need to help you understand the many complex financial issues we all face in today's tough economic environment.

Today, most families are looking for more effective ways to secure their financial future. They recognize they need a better strategy as a foundation of their overall financial plan, instead of just relying on the traditional financial planning techniques that aren't working in today's economic environment.

We've developed this unique web site to help you to:

Reduce Or Eliminate Consumer Debt - Families need real help to free up their money so they can start saving for their future.

Maximize The Amount You Can Invest From Current Income - Families need help to find the money to put into savings.

Guarantee The Safety Of Your Investment Principal - With the recent losses in the stock market most families recognize they can't afford to lose any more of their hard earned money.

Minimize Your Income Taxes - Is there any question that income taxes can significantly reduce the amount of money available for savings!

Position Your Money To Provide Current Liquidity - Families need to have access to their money, without penalties, prior to age 65, for college funding, emergencies and other family expenses.

Maximize Your Investment Income - It's not how much money you've accumulated. It's how much income you have to spend. Tax Free provides more spendable retirement income than Tax Deferred!

If you want to have the better things in life and secure a solid financial future, I think you'll find the information on this site of great value…

Sincerely,

Nathalie Vaiser, RFC, FMM
P.S. Call or email me today to get your Free copy of "Living Debt Free And Truly Wealthy" based on the 'Found Money Management™' Concept.

P.P.S. We will be updating this site every month with the latest information you need to help you to Live Debt Free And Truly Wealthy. So, bookmark this site right now and visit often.

Nathalie Vaiser, RFC, FMM is a member of:

Portions of site © 2005 Lew Nason, RFC, FMM, Other portions © 2005 Nathalie Vaiser, RFC, FMM, Dream Guardian™.
All rights reserved.

Material discussed on this web site is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

Are you a business owner? Check out PromotionalResource.com for custom imprinted promotional items such as printed magnets, imprinted pens, printed coffee mugs, and more!

financial Florida planner, Boca Raton financial manager, Boca consultant financial Raton, Florida financial services, Florida financial manager, south Florida financial manager, coral springs financial, debt settlement Florida, Florida debt consolidation loan, debt consolidation Florida, debt elimination Florida, Florida debt collection law, financial advisor Florida, advisor financial Florida insurance, college Florida plan savings, college Florida savings, Boca Raton consultant, Boca consultant financial Raton, Florida annuity, Florida financial advice

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missed-fortune.html000644 003275 003274 00000045756 10437730364 016363 0ustar00nathalienathalie000000 000000 Missed Fortune in a Nutshell

Online Learning Videos

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The Hot New Smart Money Concept, 'Missed Fortune' In A Nutshell
The Value Of the 'Found Money Management' System
Financial Guru - advises a BIG 30 year mortgage

'Missed Fortune' In A Nutshell
The 'Missed Fortune' concept is helping the more affluent families and businessmen to understand the disadvantages of building up equity in their home and leaving it there. The basic premise is that your home will appreciate the same amount in value whether you have equity built up in the home or not. If this is true, and it is, then the equity you have built up in the home isn't growing. From a business or financial perspective does that make any sense?

Accordingly, if you could borrow out the equity in your home and make more than it's costing you, aren't you much better off? The 'Missed Fortune' book recommends you refinance your home to remove as much equity as you can. They recommend using an interest only mortgage loan, which in many cases would mean your total mortgage payment would be less than you are paying today. Then you invest your home equity into an 'Investment Grade Life Insurance Policy.'

A simplistic example:
If you have $100,000 of equity in your home and you could borrow it out with a 4% interest only loan, it would cost you about $4,000 per year. If you can write-off the interest on your income taxes, then your net cost for the loan is about $3,000 per year. In thirty years, your total after tax payments would equal $90,000.

If you invest the $100,000 into an investment grade life insurance policy and you earned 7.2% after expenses, in thirty years you would have $800,000.

If you then paid off the original $100,000 mortgage on the home, you would have $700,000 left in the life insurance policy to generate a tax free income. In effect, you've spent $90,000 to make $700,000.

While there are some cautions and debatable mathematical inaccuracies in the book, the overall concept is very valid. And when done properly, the 'Missed Fortune' concept can help many people to accumulate exceptional wealth.

I highly recommend you read Missed Fortune 101 and then call or email me to find out about the next FREE Educational Workshop in your area.

Yours in Success,

Nathalie Vaiser, RFC, FMM

Nathalie Vaiser, RFC, FMM is a member of:

Portions of site © 2005 Lew Nason, RFC, FMM, Other portions © 2005 Nathalie Vaiser, RFC, FMM, Dream Guardian™.
All rights reserved.

Material discussed on this web site is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

Are you a business owner? Check out PromotionalResource.com for custom imprinted promotional items such as printed magnets, imprinted pens, printed coffee mugs, and more!

financial Florida planner, Boca Raton financial manager, Boca consultant financial Raton, Florida financial services, Florida financial manager, south Florida financial manager, coral springs financial, debt settlement Florida, Florida debt consolidation loan, debt consolidation Florida, debt elimination Florida, Florida debt collection law, financial advisor Florida, advisor financial Florida insurance, college Florida plan savings, college Florida savings, Boca Raton consultant, Boca consultant financial Raton, Florida annuity, Florida financial advice

mutualfunds.html000644 003275 003274 00000046033 10437730364 015753 0ustar00nathalienathalie000000 000000 Investing For Retirement - Most Investors Use Worst Approach to Pick Mutual Funds

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Recommended Reading:

Investing For Retirement

Common Sense & Accumulating Wealth, Choosing the 'Best' Investment Vehicle,
Most Investors Use Worst Approach to Pick Mutual Funds

Most Investors Use Worst Approach
to Pick Mutual Funds

According to an article in the July, 2003 Economist (The Law of Averages), most mutual fund investors use "recent track record" as a basis for selecting which mutual funds to buy. That approach produces unbelievably poor results.

For example, during 1984-2002 the S&P 500 averaged a little over 12% per year in average returns. During the same time frame the average mutual fund produced just under 10% average annual returns, but the average mutual fund investor achieved less than a 3% annual returns.

It's easy to understand how investors could achieve such lousy returns when you analyze the results of a study done by Lipper. That study followed the results of the top ten performing mutual funds from 1996-1999. In the subsequent period from 1999-2002, all ten previous top ten performers ranked in the bottom ten percent of the same universe of funds three years later.

So what's happening? Investors keep jumping to the best performing funds just before their luck runs out. Do you really think that the top performing managers from 1996-99 became less qualified or lazy or worse managers in the subsequent period. No - they were just less lucky.

The moral of the story - no one can accurately and consistently predict stock movement and so it doesn't make sense to pay fees to someone who's just guessing like everyone else. Truly a story Wall Street doesn't want you to find out.

Call or email me today to get your Free copy of "Living Debt Free And Truly Wealthy" based on the 'Found Money Management™' Concept.

Yours in Success,

Nathalie Vaiser, RFC, FMM

Nathalie Vaiser, RFC, FMM is a member of:

Portions of site © 2005 Lew Nason, RFC, FMM, Other portions © 2005 Nathalie Vaiser, RFC, FMM, Dream Guardian™.
All rights reserved.

Material discussed on this web site is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

Are you a business owner? Check out PromotionalResource.com for custom imprinted promotional items such as printed magnets, imprinted pens, printed coffee mugs, and more!

financial Florida planner, Boca Raton financial manager, Boca consultant financial Raton, Florida financial services, Florida financial manager, south Florida financial manager, coral springs financial, debt settlement Florida, Florida debt consolidation loan, debt consolidation Florida, debt elimination Florida, Florida debt collection law, financial advisor Florida, advisor financial Florida insurance, college Florida plan savings, college Florida savings, Boca Raton consultant, Boca consultant financial Raton, Florida annuity, Florida financial advice

newsletter.html000644 003275 003274 00000062246 10437730365 015605 0ustar00nathalienathalie000000 000000 Dream Guardian Newsletter - Helping Families to Live Debt Free and Truly Weathy...

Online Learning Videos

Home Page

Eliminating Debt

Using Home Equity

Investing for Retirement

Income Tax Savings

College Funding

Residual Income

Improve Cash Flow

Seminar Schedule

Contact Us

Free Newsletter!
Receive a FREE subscription to the Dream Guardian™ Newsletter (a value of over $100 a year!). To request a free subscription, click here.

Recommended Reading:

If you want to have the better things in life and secure a solid financial future, I think you'll find the information in the monthly Dream Guardian™ Newsletter great value…
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Nathalie Vaiser, RFC, FMM is a member of:

Portions of site © 2005 Lew Nason, RFC, FMM, Other portions © 2005 Nathalie Vaiser, RFC, FMM, Dream Guardian™.
All rights reserved.

Material discussed on this web site is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

Are you a business owner? Check out PromotionalResource.com for custom imprinted promotional items such as printed magnets, imprinted pens, printed coffee mugs, and more!

financial Florida planner, Boca Raton financial manager, Boca consultant financial Raton, Florida financial services, Florida financial manager, south Florida financial manager, coral springs financial, debt settlement Florida, Florida debt consolidation loan, debt consolidation Florida, debt elimination Florida, Florida debt collection law, financial advisor Florida, advisor financial Florida insurance, college Florida plan savings, college Florida savings, Boca Raton consultant, Boca consultant financial Raton, Florida annuity, Florida financial advice

not-alone.html000644 003275 003274 00000045434 10437730364 015304 0ustar00nathalienathalie000000 000000 You're not Alone

Online Learning Videos

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Investing for Retirement

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Residual Income

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Recommended Reading:

Eliminating Consumer Debt

Consumer Debt Management, You're Not Alone, 11 Ideas For Debt-Free Living,

You're Not Alone
Consider the following sobering statistics from American Consumer Credit Counseling, Inc.:

The average balance on a credit card is $8,000.

The average household has 10 credit cards.

The average interest rate is 18.9%.

Credit card companies solicit the average American 7 times per year through the mail.

Credit card late fees are now $29.00

Almost half the households in America report having difficulty paying their minimum monthly payments.

In 1999, over 1.3 million Americans filed for bankruptcy, the highest in our nations' history.

Americans paid out approximately $65 billion in interest last year alone.

And, here are the real kickers:

If your credit card balance is $8,000, and you make the minimum monthly payment at 18.9% interest, ($127 per month) it will take you 25 years, 10 months to pay off the debt. You will also pay $31,368 in interest charges (almost four times the balance), bringing your total to $39,368.

If, for example, you didn't have your credit card payment of $127 a month, and instead you invested that money in a savings vehicle earning just an 8% return. In 25 years 10 months you could have an additional $130,376 in retirement savings, that could generate $10,963 per year of additional income during retirement.

Your credit card payment is not only costing you thousands in interest, but is prohibiting you from saving for your retirement.
11 Ideas for Eliminating Debt

Call or email me today to get your Free copy of "Living Debt Free And Truly Wealthy" based on the 'Found Money Management™' Concept. Or, call to register for our next Educational Workshop

Nathalie Vaiser, RFC, FMM is a member of:

Portions of site © 2005 Lew Nason, RFC, FMM, Other portions © 2005 Nathalie Vaiser, RFC, FMM, Dream Guardian™.
All rights reserved.

Material discussed on this web site is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary therefore, the information should be relied upon when coordinated with individual professional advice.

Are you a business owner? Check out PromotionalResource.com for custom imprinted promotional items such as printed magnets, imprinted pens, printed coffee mugs, and more!

financial Florida planner, Boca Raton financial manager, Boca consultant financial Raton, Florida financial services, Florida financial manager, south Florida financial manager, coral springs financial, debt settlement Florida, Florida debt consolidation loan, debt consolidation Florida, debt elimination Florida, Florida debt collection law, financial advisor Florida, advisor financial Florida insurance, college Florida plan savings, college Florida savings, Boca Raton consultant, Boca consultant financial Raton, Florida annuity, Florida financial advice

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