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
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