ENDORSEMENT LETTERS...
A Solo email...
For the next few days I negotiated an offer for my subscribers
that should make a lot of you jump for joy.
Because it's concerning debts. We all have our monthly bills... those
things can keep you
awake at night and steal your independence.
To reach huge financial goals, you must know the rules of
getting out of debt.
They are most assuredly not what you think...
Option 1:
==========
Even if you were to get rid of all your unnecessary expenses,
you STILL can't pay your bills, you need credit counseling. Every city
has services that don't
cost anything. The non- profit outfits are
mostly fantastic. But beware of lawyers who
claim they can wipe out your debts completely. They can get you
into SERIOUS trouble. Watch 'em like a hawk.
Option 2:
==========
But if you ARE able to at least pay your bills on time (even
though there isn't anything left), then you are about to be
shown a ridiculously simple plan that can virtually guarantee,
with only a tiny bit of discipline, that you will be completely
free of debts in 10 years or less including your mortgage...
...even if you signed a 30-year mortgage yesterday!
LINK
Don't laugh. It's the God's honest truth. Cross my heart.
You will learn how this is possible without pinching pennies,
getting a second job or changing your lifestyle in any way. You
will simply learn a better way to pay your debts using the money
you already use to pay them.
Leo Quinn has been teaching this simple, simple, simple program
for over 10 years with stunning results.
Thousands of regular people with regular-paying jobs are
quickly and completely wiping our their debts.
And they're doing it legally, with dignity and with their heads
held high.
=============
And I got him to give it to my subscribers for 41% less than he
even offers it to his own subscribers until DATE
As you are reading it, I guarantee that you will laugh and
laugh and probably laugh some more...
...because if you can at least pay your bills on time right
NOW, Leo will show you how YOU can be totally and completely f
ree of all debts in less than 10 years... no matter how pitiful
and hopeless you may think your situation is.
LINK
NAME
P.S. This truly is a special for my subscribers only... To prove it to
yourself, you can go to
http://www.leoquinn.com/homestudy.htm
right now, and see that
the normal price is $40 higher than you will get it now at:
LINK
NOTE FROME LEO...IF YOU CHOOSE TO USE THE ABOVE MAKE SURE
YOU CONTACT ME TO MAKE THE PRICE ADJUSTMENT TO YOUR
PAGE OR YOUR READERS WILL BE CONFUSED AND UPSET.
***
Note: This publisher is a guru to the Wealth Attraction market.
Hi, !fname.
While I generally avoid the whole conversation of "debt", I do want to chat briefly about it.
I avoid the conversation generally because most people think
and FEEL very negatively about it. Although debt is not truly a "bad"
thing, it can become bad if you truly cannot manage it, and creditors
are calling all the time, generating in you a negative emotion that
will only attract MORE of what you don't want.
Your e-mail box is probably filled with "Get out of debt"
solutions. The trouble with most of those (in my opinion) is that they
have you focus on your LACK. While they provide plans, they also have
your mind on the fact that "you're in trouble and need to get out." In
the long-run, these solutions may eventually lower your debt - or at
least the debts your "working on" with them. However, if your wealth
consciousness doesn't change, you're likely to rebound back into the
kind of debt you DON'T want.
I have always thought that a debt-lowering solution that
DIDN'T make you feel like you'd "screwed up", or that has you cut back
on all the things you enjoy in life, would be a wonderful thing indeed.
Again, I'm not saying that the answer to all problems is a complete
elimination of debt - HOWEVER, if very little or NO debt would make YOU
feel wealthy...prosperous...and in charge of your life, then it
certainly has tremendous value in terms of having the Law of Attraction
work more beneficially in your life.
As it turns out, I recently heard from a guy named Leo Quinn
who offers up such a program. It's a program that, like "Wealth Beyond
Reason", flies in the face of conventional wisdom (which I always
like). Best of all, it's a program that absolutely will eliminate debt
quicker than anything I've seen before as far as "mainstream
strategies. Having more debts actually helps you! (I know that last
statement seems crazy, so you'll want to investigate for yourself...)
So, IF you FEEL that the debt in your life is like a huge weight,
preventing you from feeling free to think BIG and without limits, I
definitely recommend checking into Leo's program. But I do have the
following caveats:
Leo's usual audience is not one that has immersed itself in
the principles of the Law of Attraction. He therefore focuses on some
points that if it were me, would de-emphasize. This is mainly in the
area of ways to save money. Now, some of the ways listed are excellent
and practical. It is such a thorough list, however, that it MIGHT have
you looking at the way you "do money", and perhaps start to feel bad,
or regretful for how you've invested or spent. DON'T let yourself go
down that road! If, however, his suggestions light you up, and allow
you to see how you can actually "create" money by using some of his
tips (which was his intention), then by all means use them. You might
find just the answers you're looking for, and literally end up with
hundreds more dollars in your pocket every month as a result of using
some of his ideas.
However, it's his "Debt Elimination" formula that is so
exciting to me. It's simple, it's logical, it moves FAST, and it reads
contrary to so much of what we've been told, like "Pay off high
interest debt first." He shows exactly why that is NOT a good idea!
Truly, it had me jazzed reading it, and I know a ton of people who
could benefit, and LIGHTEN UP about debt as a result of taking a look
at his material.
So, if this subject "speaks to you", I do recommend visiting Leo, and looking at his "How To Own Your Paycheck Again" package:
Hopefully, this doesn't even apply to you. But I hear all too
often from customers how the burden of large debt is keeping them
feeling small. Anything I can do to ease that, I want to do, and that's
why I'm referring you to this material.
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
ENDORSEMENT LETTER ...
Note: This publisher is involved in the "frugal" market.
SAMPLE ENDORSEMENT LETTER THAT WORKS VERY WELL...
Well folks, I guess I'm a better negotiator than I thought. I
just finalized another Super Special offer for the ebook "How To Own
Your Paycheck Again!" that is only for Budget Stretcher's Subscribers
and is only being offered for 5 Days.
I really have to cut to the chase on this one. Leo Quinn, the
author and a friend of mine has agreed to let me offer it for a 27%
discount. I'm not going to get into a lot of detail about the ebook
except that Leo is an expert in showing people how to make their
paycheck mean something again. I will let him explain it to you when
you visit his web site. He says it a lot better than I can. As a bonus
to this offer you will also receive the "Debt Cruncher". This is a
computer program he had developed that will take your debt numbers and
with the click of a button, categorize them for the fastest route to
getting them paid off. It will also tell you how long it could take you
to get out of debt automatically.
I know many of you are struggling with your paycheck every
payday and I also know that "How To Own Your Paycheck Again" can help.
Please don't miss this exceptional offer by waiting. In five days it
will be gone. Leo has set up a special page for Budget Stretcher
Subscribers. Please take some time and visit him and take advantage of
what he is doing for us. Here's the link:
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
Follow up to Previous Endorsement Letter Sent 2 Days Before Expiration...
Subject: Special Offer (2 Days Left)
Greetings From Grandpa Terry,
I can't believe the enormous response we have received for the Special Offer of the ebook "How To Own Your Paycheck Again!".
I would just like to remind you that the offer expires on Friday,. In case you missed the offer I'll state it again.
Leo Quinn, the author and a friend of mine has agreed to let me offer it for a 27% discount.
I'm not going to get into a lot of detail about the ebook
except that Leo is an expert in showing people how to make their
paycheck mean something again. I will let him explain it to you when
you visit his web site. He says it a lot better than I can.
As a bonus to this offer you will also receive the "Debt
Cruncher". This is a computer program he had developed that will take
your debt numbers and with the click of a button, categorize them for
the fastest route to getting them paid off. It will also tell you how
long it could take you to get out of debt automatically.
If you have already considered the offer, I thank you on
behalf of Leo. If you are busy like most of us you may have just
scanned over the email and dismissed it.
If you are having problems making ends meet I would take a few
minutes to check the below link. You can order "How To Own Your
Paycheck Again!" risk free with Leo's Money Back Guarantee.
Here's the link again:
All the best,
Grandpa Terry
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
Endorsement Classified #1
Note: This publisher is a guru to the Romance market...again, totally unrelated to personal finance.
One of the main reasons Athena and I have a great relationship
is probably because we have lived debt-free for years with the
exception of mortgages on our investment properties. It is easier to
get rid of debt than you probably think. A great product I recently
reviewed is *How To Own Your Paycheck Again* by Leo Quinn which is
packed with excellent tips, tricks and information.
I have made special arrangements with Leo for him to give my subscribers a $20 discount if they purchase by Dec 5.
LINK
Follow up to Endorsement Classified #1 Sent 2 Days Before Expiration...
This year try not to cave into societal expectations that
simply add guilt, stress and debt. Instead, snuggle in front of the
fire, drink egg nog, listen to your favorite holiday music and
rediscover the story that started it all. Keep it simple. Make it
meaningful.
If you are already stressed by debt, don't forget that you
have until Thursday midnight to get $20 off the *Take Back Your
Paycheck* program which helps you analyze the best way for you to get
out of debt quickly (and despite what many say, paying off the debt
with the highest interest rate is not always the best thing).
LINK
Endorsement Letter
Note: This publisher is in the Gardening AND Internet Marketing markets...totally unrelated to personal finance.
A few years ago I was like most of the people in America,
which probably isn't not much different than anywhere else in the
world.
I was deep in debt, and stressed to the max as a result. My
life wasn't all that much fun. It seemed that no matter how hard I
tried, I just could not get ahead.
Finally I discovered a plan that made sense, and Pam and I
started working that plan. It really worked, and eventually we were
able to pay off all of our credit cards, our second mortgage, our car
loans, and then finally, our first mortgage!
WOW! What a wonderful feeling!
The feeling of relief that I experienced is indescribable. It
was such a relief to be out of debt, and actually have lots of money to
spare after each payday.
Since then, I have researched a lot of debt reduction plans,
and I've gotta tell you. My friend Leo Quinn has put together a very
simple debt reduction plan that can make you completely debt free in
less than ten years.
Just take a look at what Leo has to say. Since Leo and I are
friends, he has made a special offer to the folks on my mailing list,
but you have to hurry.
link here
Leo even created a special web page just for me and my
friends. He's really a great guy, and he has pretty much made a life
out of helping people gain control over the money they work so hard for.
I really commend Leo for making such a positive change in the lives of so many people.
Take care and meet my friend Leo Quinn:
link here
Endorsement Letter
Note: This publisher is in the Home Decorating
market...totally unrelated to personal finance. 12% of her subscribers
who went to the salespage purchased.
All,
I don't usually send out messages mid week, but I came across an ebook
that I am using myself and I thought might be a big help to all of my
readers.
I know one of the main reasons most of us are "budget
decorators" is because our budgets are tight. Many of us, including me,
deal with debt. My husband and I have been fighting debt since the day
we got married! (8 kids and all, you get it!)
Well folks, I guess I'm a better negotiator than I thought. I
was able to get ahold of a great offer for the ebook "How To Own Your
Paycheck Again!" that is only for Budget Decorator Subscribers and is
only being offered for 5 Days.
I really have to cut to the chase on this one. Leo Quinn, the
author and a friend of mine has agreed to let me offer it for the
special discount of $20 off, just for Budget Decorator readers. The
amount of money I saved just in the first month of using his program
more than paid for the book, and the peace of mind I have knowing I
have a plan that is working...it's been priceless. This program could
save you THOUSANDS of dollars! I'm not going to get into a lot of
detail about the ebook except that Leo is an expert in showing people
how to make their paycheck mean something again.
I will let him explain it to you when you visit his web site. He says it a lot better than I can.
As a bonus to this offer you will also receive the "Debt
Cruncher". This is a computer program he had developed that will take
your debt numbers and with the click of a button, categorize them for
the fastest route to getting them paid off. It will also tell you how
long it could take you to get out of debt automatically.
He also offers a free ebook, several free audio teleseminars, and access to future teleseminars, all as FREE bonuses.
I know many of you are struggling with your paycheck every
payday and I also know that "How To Own Your Paycheck Again" can help.
According to Leo's plan, "You can pay off all your debts, including
your mortgage, in less than 10 years and the more debts you have the
better"
Please don't miss this exceptional offer by waiting. In five days it will be gone.
Leo has set up a special page for Budget Decorator
Subscribers. Please take some time and visit him and take advantage of
what he is doing for us. Here's the link:
(Don't worry, I don't intend to make these types of messages a habit,
but I truly think this might be something we could all benefit from!)
-Kathy
Endorsement Letter #6
Note: This publisher is a guru to the Internet Marketing and
mail order markets...totally unrelated to personal finance. He's an
old-timer and doesn't offer the discount...just sends this stand alone
email once in awhile.
EMAIL: Subject Line: QUIT PINCHING PENNYS
Leo J. Quinn, Jr. ... a financial educator from the Albany, NY, area ... says:
"You can pay off all your debts, including your mortgage, in
less than 10 years and the more debts you have the better -- And you
won't have to pinch pennies, get a second job or cut back your spending
in any way!
For the last eight years Leo has been showing people how they
can get completely out of debt (including a mortgage) in under 10 years.
He has been stunning audiences by showing them that paying off
their highest interest rates debts first and/or paying extra on more
than one debt is the SLOWEST way to get rid of those debts.
Leo just sent me a copy of his e-book, "How To Own Your Paycheck Again!"
If debts or money management are issues for you, this one will be worth your while. -- Good, practical advice.
Discover life-changing money secrets your friends don't know and banks don't tell.
For details go to: LINK
Jim
P.S. -- It ain't what you do, it's how you do it.
########################################
Obviously, you shouldn't use these verbatim but I'm sure
you'll get some great ideas from them. One gentleman added the second
letter to his auto-responder queue and he gets sales from it just about
every week. Could you do the same?
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
CLASSIFIED ADS
==< >== ==< >== ==< >====< >== ==< >== ==< >==< >== ==< >==
CAN YOU PASS THIS MONEY TEST?
Do you know that trying to pay off your high interest rate debts
first and/or paying extra on more than one debt is the SLOWEST
way to get out of debt? Don't make these same mistakes.
Learn more at LINK
==< >== ==< >== ==< >====< >== ==< >== ==< >==< >== ==< >==
==< >== ==< >== ==< >====< >== ==< >== ==< >==< >== ==< >==
DO YOU MAKE THESE MONEY MISTAKES?
Do you know that trying to pay off your high interest rate debts
first and/or paying extra on more than one debt is the SLOWEST way
to get out of debt? Don't make these same mistakes.
Learn more at LINK
==< >== ==< >== ==< >====< >== ==< >== ==< >==< >== ==< >==
==< >== ==< >== ==< >====< >== ==< >== ==< >
YOU CAN LAUGH AT MONEY WORRIES -
IF YOU FOLLOW THIS SIMPLE PLAN
The more debts you have, the FASTER you can pay them off.
Paying the highest-interest debt first is the SLOWEST way
out. Discover life-changing money secrets your friends
don't know and banks don't tell. Limited special offer.
ACT NOW! For details go to:
LINK
==< >== ==< >== ==< >====< >== ==< >== ==< >
/////////////////////////////////////////\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\
THE MORE DEBTS YOU HAVE,
THE FASTER YOU CAN PAY THEM OFF!
Paying highest-interest debt first is the SLOWEST
way out ... You can laugh at money worries - if you
follow our simple plan. Discover savvy consumer
money secrets your friends don't know and banks
won't tell you. Limited time only. ACT NOW:
LINK
//////////////////////////////////////////\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\
==< >== ==< >== ==< >====< >== ==< >== ==< >==< >== ==< >==
"You Can Laugh At Money Worries - If You Follow This Simple Plan"
Do you sometimes have more month than money? Ever wonder how to
dig out of the hole of debt? Maybe someone you know is
struggling. In today's uncertain times with tens of thousands
being laid off, this is one step you can take now to make your
future more certain.
LINK
==< >== ==< >== ==< >====< >== ==< >== ==< >==< >== ==< >==
*** Do you want to pay off all your bills, including your
mortgage, in less than 10 years without having to pinch
pennies, get a second job or cut back your spending in any way? ***
I rarely endorse products that are not my own, but since I
believe this product is so valuable, helpful and down-to- earth,
I would feel I was doing you a disservice if I didn't let you
know about it. I highly encourage you to take a few minutes
to learn more. Visit:
LINK
==< >== ==< >== ==< >====< >== ==< >== ==< >==< >== ==< >==
All the turmoil on Wall Street is a good reminder that we need to take
CONTROL of OUR OWN FINANCIAL SITUATION. My good friend Leo Quinn has a
ridiculously simple plan that can virtually guarantee that you will be
debt free in 10 years or less -- including your mortgage. He's helped
over 18,212 people do exactly that. He calls it
"How To Own Your Paycheck Again!"
Leo has a special offer for ?????? readers that will help you get out
of debt, and protect yourself from the economic downturn. Start making
smart choices today - click below and learn more...
TAKE CONTROL!
LINK
==< >== ==< >== ==< >====< >== ==< >== ==< >==< >== ==< >==
Imagine...a Simple
System to Pay Off All Your Bills.
Without Pinching Pennies or Cutting Your Spending
Would you like to begin controlling your finances, once
and for all? Did you know that you can pay off all your
bills, including your mortgage, in less than 10 years
without having to pinch pennies, get a
second job or cut
back your spending in any way? It's easier than you think
and you can do it, even in this recession.
I highly encourage you to visit my friend Leo's web site
to find out how. He offers the best program I've seen to
help you say goodbye to your money worries--forever and
I fully endorse his program.
LINK
YOUR NAME
P.S. Here is a recent testimonial received from a
family who uses Leo's wonderful program:
'Two years ago, we had over 20 open credit cards with
high balances. We had almost 60K in debt! After (getting
your information) we realized we were in trouble! (DUH!)
We began to apply the knowledge we learned and within one
year all of our small cards we paid and closed. We now
only have 2 credit cards with balances! Thank you LEO
QUINN, your information turned our lives around! With
love, respect and sincere gratitude,'
--Lisa Marie Gutierrez, Schenectady, NY
***
ARTICLES
ARTICLE 1
442 Words
WHATEVER YOU DO...DON'T SAVE ANY MONEY!
No, that's not a misprint. Even though falling interest rates
are good when you want to get a loan, they are bad for people with
savings accounts.
In this economy your best investment, the best place to put
your money is into paying off debts. Think of it as investing in your
debt because that is exactly what you are doing.
If you put $1,000 into a bank savings account earning 2%, at the end of a year you will have $1,020.
If you carry a $1,000 balance on a credit card with a 19%
interest rate, and you pay the minimum monthly payments, at the end of
one year you will have paid $190 in interest.
If you get $1,000 in a tax refund, small inheritance or from
somewhere else you now have a choice to make. You can earn 20 bucks in
a savings account or save $190 by paying off that credit card. Keep in
mind that your 20 bucks is taxable income so you'll be left with $15 or
so after taxes.
Do you need a savings account for emergencies? That savings account may be causing those emergencies! Think about it this way...
If you are earning money in a savings account at 2% and paying
anything over 2% on your debts you are sliding backwards financially
and you'll never get ahead. It's basic mathematics.
If you earn 20 bucks for five years in your savings account
you'll have $100. If you pay $190 in interest on your $1,000 credit
card after five years you will have paid $950 in interest charges.
In other words you have wasted, lost, burned or flushed $850 by having a savings account. ($950 - $100 = $850) OUCH!
What can you do? Pay off that credit card and use that as your
emergency fund. It's not the best way to do it but it's better than
earning 2% and paying anything over 2%.
So, while the stock market is on it's roller coaster and the
economy is challenged your best investment, bar none, is your debts!
Get them paid off!
***********
Leo J. Quinn, Jr. is a financial educator from the Albany, NY area.
Since 1997 he has been stunning audiences by showing them that paying
off their highest interest rates debts first and/or paying extra on
more than one debt is often the SLOWEST way to get rid of those debts.
He has a special offer for readers of this newsletter at: LINK
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
ARTICLE 2
1045 Words
JUST ASK!
Ask and you shall receive & knock and it shall be opened &send an email and see what happens.
As a student of personal finance you are probably familiar
with the advice to negotiate with your credit card companies to get a
lower interest rate. Why stop there?
There is hardly anything that can't be gotten for less than what is being asked if you are smart and creative about asking.
Since you are reading this on a computer, let's start there. Got AOL?
I called AOL and they gave me two months of free service. Here is how it went...
AOL: How can I make your online experience more enjoyable?
(I should have said give me 6 free months!)
ME: Well first, I was wondering how long I have been a member of AOL.
AOL: April 1995
ME: That's a long time. What would happen if I got a new computer and they offered me a free year of AOL.
AOL: Your account would be credited for that year.
ME: Well, since I've been a valued customer for such a long time could you give me 3 or 4 free months?
AOL: I'd like to ...can you hold?
ME: Sure
AOL: My supervisor has authorized me to give you 2 free months. Is that OK?
ME: Sure.
AOL: Leo, let me ask you... is the reason you called today to get some free months?
ME: Well, I really wanted to find out how long I'd been a member but
YES, since I've been a loyal customer. Thanks!
You'll notice that FIRST, I established how long I had been a
member. Even if I knew the answer to the question I would still have
had him look it up so HE knew. Seven years as an AOL member established
that I was a VALUED (valuable) customer. This is when I asked for the
free months. If he had said "no" I would have asked to speak to his
supervisor but he did that for me.
I'm not sure who said it but I like the lesson &"never accept a NO from someone not empowered to give you a YES!"
Got Road Runner? I got this idea from one of my subscribers.
Locally, Time Warner is offering new subscribers a special six month
rate of $29.95 instead of the normal $49.95.
She was already a Road Runner subscriber but she called and
asked for the $29.95 rate since she was a "valued customer". They said
yes and she saved $120 for a five-minute phone call.
Have you been with your Internet Service Provider for a while?
Call up and ask them for a few free months. If they are reluctant, you
might drop hints about trying another service.
In one of my seminars a student commented that she would be
afraid "they" would laugh at her if she called and asked for a
discount. 1) They probably won't and 2) So what if they did? If they
are laughing, ask them if that was a yes or no and then ask to speak
with their supervisor &say you are upset about the laughing and as
a valued customer you'll get your discount! That or have one of your
teenage kids make the call &they don't take no for an answer do
they?
If possible, before you are in a position to negotiate, review your assets &what, if anything, can you offer to them?
Being a long time customer is an asset &.they don't want
to lose you. Have a friend who wants to buy the same thing? Bringing a
company two sales at one time is an asset. Having influence over a
large group who might want to buy what they are selling is a big asset.
Paying cash can be an asset.
At this writing I have 3156 subscribers to my e-zine. If I see
a product on the Internet that I think might be helpful to them I'll
contact the seller. I introduce myself and invite them to visit my
website to establish some credibility.
I'm writing to propose a joint venture that could benefit the
merchant, my subscribers and sometimes me. I explain that I would
consider endorsing their product or service to my list if it is as good
as advertised. If they believe in their product they usually will offer
me a FREE review copy of it.
In the last month I've gotten $1532 in value (products and services) using the assets I've developed.
Can't come up with any assets right now? A former auto
salesperson told me his simple 8-word sentence for getting discounts
&"Is that price the best you can do?" Again, if you get a "no" from
anyone other than the owner or manager in the case of a mega-retailer
ask, in the nicest way possible, if they could check with the
owner/manager to make sure that is the best price.
In this live scenario it never hurts to be prepared to leave
if they won't deal. Mention you saw the same product somewhere else
&imply you are going to buy one today from someone.
My students have given me many examples of negotiating
discounts at places as big as Wal-Mart simply by asking the manager.
The worst they can say is no.
In my live seminars I recommend never buying a NordicTrac from
NordicTrac. You'll find lots of them in next to new condition in the
classified section of the newspaper. Make your calls and be sure to
mention that there are a lot of them for sale. This raises strong doubt
in their mind that they will be able to sell at the price they want and
makes them more receptive to a lower price.
Negotiating can be fun. It doesn't have to be nerve-wracking.
Merchants are used to it and you should get used to it too! Good luck
and let me know how it goes for you.
*****************
Leo J. Quinn, Jr. is a financial educator from the Albany, NY area.
Since 1997 he has been stunning audiences by showing them that paying
off their highest interest rates debts first and/or paying extra on
more than one debt is often the SLOWEST way to get rid of those debts.
He has a special offer for readers of this newsletter at: LINK
*************************************************************************************
ARTICLE 3
343 Words
How To Get An Instant Pay Raise
As a gentleman was leaving my class recently, he wanted me to clarify
something I had said. He was making sure that he should take his four
or five thousand dollar tax refund and pay off debt.
I was stunned. This money represented $400-$500 that could
have been in his pocket every month. A survey of my friends this week
revealed one who was getting back $2800 and one getting $3300 back this
year.
Getting a large tax refund (over $500) means you are having too much money withheld from your check every pay period.
Many people use this as a forced saving plan and it does not
make any sense. You are loaning the government YOUR money, interest
free. Every $1200 in refund is an extra $100 per month you could have
used to eliminate debt or invest for your future.
I 'd venture to say that most people who do get large refunds
could use this money every month to ease their debt burden. This burden
frequently leads to late charges and higher interest rates. Instead,
they like the feeling of getting that big check in the mail and
figuring out how to spend that chunk of money.
The ideal situation is to either owe or get back $100.
If you get a big tax refund then you should adjust your
allowances. The more allowances you claim, the less money is withheld
from your check for taxes. It generally does not matter how many
allowances you claim. If the government gets it's money they really
don't care how many allowances you claim.
Here is how to get it right. Take the time to complete the
appropriate worksheets included on Form W-4. The worksheets will help
you determine your withholding allowances based on your income,
adjustments, deductions, exemptions and tax credits. The worksheets can
help you figure the right amount so you don't have too little withheld.
If you need help ask your payroll administrator at work or an accountant.
Keep your money working for YOU!
*****************
Leo J. Quinn, Jr. is a financial educator from the Albany, NY area.
Since 1997 he has been stunning audiences by showing them that paying
off their highest interest rates debts first and/or paying extra on
more than one debt is often the SLOWEST way to get rid of those debts.
He has a special offer for readers of this newsletter at: LINK
Article 4
604 Words
Forget "Thinking" Outside The Box…GET Outside The Box!
I happened to overhear a conversation the other day between two men…
Young man has started learning about real estate investing. He
has read books and attended seminars put on by some gurus who make more
money selling information about real estate investing than they do
investing in real estate BUT at least he is taking the initiative to
learn more. This is more than most people will do.
Old man owns his home. Young man wants to buy real estate as
an investment….apartment buildings, office buildings…that
type stuff. Old man has no experience in this area. During the
conversation old man says to young man…"are you doing anymore of
that real estate nonsense?"
By "nonsense" I know old man was referring to attending the
"get r*i*c*h quick" type seminars and not a condemnation of real estate
investing. BUT it came across as a condemnation of the young man's
process of educating himself about something new….something that
could improve his life and the lives of his family.
Unfortunately, you probably have people like that in your
life. You may BE a person like that in someone else's life. People in
your "box" don't want you getting out!
You know the type. Negative about any attempt you might make
to improve your life…to be different…to stand
out….to be more successful than they are.
I heard a great analogy for this by attending a free
investment seminar. I knew this guy would be advocating some risky
financial moves but I figured since I was in the seminar giving
business myself, that I might be able to learn something useful. I did.
The people you associate with most are probably just like you.
You have similar educational backgrounds, families and incomes.. You
live in houses and drive cars of similar value. You attend the same
church…your kids attend the same schools…you shop in the
same stores. You get the idea.
One could say you are in the same "box" or rut.
The analogy continues...
Unfortunately, the "instructions" on how to get out of your
"box" are posted on the "outside" of your "box" where you can't read
them. You'll need the help of someone who has already made it out, to
"read" you the instructions so you can get out too.
It's not enough to get that help though. You'll probably have
to deal with your "boxmates" who would rather you stick around to keep
them company in their sad little "box."
In listening to the conversation between old man and young man
I immediately flashed on the image of young may starting to climb out
of the box and old man reaching up and grabbing him by the belt to pull
him back in.
Sad but all too common I'm sure. If any of this sounds familiar you might have some hard decisions to make.
If completely getting rid of a negative person from your life
is not possible (spouse, relative, employer) then you might have to
clam up about your goals, dreams and desires.
Discuss them only with people who will support you or preferably with
people who have already done what you want to do.
Author Dan Kennedy has coined the phrase "mediocre majority" to describe most people. This is a group you want to avoid.
So, no matter what you want to accomplish, be it changing your
life to get out of debt…starting a business…going back to
school (imagine at your age!)…investing in real
estate…mystery shopping…losing weight…taking piano
lessons or anything else, simply get started and keep the pie hole
shut! (salad hole if losing weight)
Good luck!
*****************
Leo J. Quinn, Jr. is a financial educator from the Albany, NY
area. Since 1997 he has been stunning audiences by showing them that
paying off their highest interest rates debts first and/or paying extra
on more than one debt is often the SLOWEST way to get rid of those
debts. He has a special offer for readers of this newsletter at: LINK