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The holidays are upon us and the season of giving is now in full swing. But when you’re making your holiday gift list, don’t forget that you need to take care of the person writing the checks as well, namely you! Federal Reserve Chairman, Ben Bernanke, recently spoke of the need for all Americans to save more today in order to prevent significant financial consequences in future decades.

Save, Save, Save
A critical component for developing future security is the practice of “paying yourself first”. One popular way to accomplish this objective is to pre-pay your mortgage, reducing the total interest owed and eliminating future payments.

If you have a home loan, you’ll inevitably be offered an opportunity to “save money” by enrolling in a bi-weekly payment program. In one recent example, a borrower could save nearly $31,000 by eliminating five years and five months of payments on a loan amount of $197,500.

The logic behind this savings program is simple. Many people get paid every other week. Based on this schedule, each time a paycheck is received, half of the mortgage payment would be paid on the borrower’s behalf. During the two months when three paychecks are received, two extra half payments would be made, equating to one extra mortgage payment each year.

Others may choose to pre-pay their mortgage in different ways, but the benefit is basically the same. Some individuals make lump sum pre-payments when they get a bonus or a tax refund check, while others simply add a little extra to their payment each month. Another option is to take a shorter term loan such as a 15-Year Fixed Rate. Regardless of the method chosen, prepayment does appear to save the homeowner money. The question is, do prepayments make the most of your investment dollars?

David Riklan, the President and Founder of the #1 Self Improvement website in the world, SelfGrowth.com, has tapped the minds of the greatest experts of our time and pulled together something that will blow your mind.

101 Great Ways to Improve Your Life is a revolutionary and brilliant book, which gives you 101 of the greatest success secrets of our time as shared by dozens of different teachers, such as Zig Ziglar, Jim Rohn, Brian Tracy, Denis Waitley, Hale Dwoskin, Paul Scheele, Bill Harris, Joe Vitale and many more. And because of David’s connections in the industry, the book is bundled with a never-before-offered bonus gift bundle worth 100 times the investment… And the book only costs $15!

Let me attempt to paint this picture a little clearer.

You’ll get 101 quick, simple and — most importantly — proven success secrets from the top experts in the world and gain access to the greatest treasures of all time, the gold nuggets of success.

And… David is so confident you’ll love the book that he’s backing it up with a guarantee that’s completely solid.

Go ahead and take a look, and make sure you check out the bonuses.

Your success coach,

Ruddy Ortiz
President/CEO
AlphaMega Marketing Concepts

I tell you, being a Financial Strategist is definitely one of the most rewarding paths that anyone can experience in their life.

Not only does it allow you to truly make a difference in the lives of the people that you serve, but you are also exposed to some of the most powerful minds that this world has ever seen.

For me, this past week was just one of those experiences…My wife, Rosy and I just came back from one of the most powerful and life transforming events that we have ever attended, The Missed Fortune Summit held in The luxurious Red Rock Hotel & Casino in Las Vegas.

In this one of a kind event, I was able to not only receive some highly advanced, not-known-by-the-masses type of training, but I also had the privilege of rubbing elbows with some of the biggest names in the Financial Services Industry as well as The Personal Development world.

People like, Brian Tracy, Barry Habib, Tim Braheem, Douglas Andrew, Lee Brower, Dan Sullivan and many, many more!

Check out some of the pics that Rosy and I took…it was a weekend to remember!

To continue with my previous post, speaking on the power of an Equity Index Universal Life Insurance contract, I posted this very powerful and eye opening radio interview that was done by Christie Lynn Hodge from AM 790 in Norfolk, Va.

Christie interviewed Financial Experts and personal friends of mine, Scott Bergman and Merle Gilley on the topic of How to avoid being “House Rich and Cash Poor”.

At the beginning of the interview they focused more on the importance of separating your equity from your home to conserve it in a liquid, safe and growing atmosphere. This is all very important and if you haven’t listened to the previous audio that I posted covering this topic I want to encourage you to listen to that one later on as well to get a detailed understanding of exactly what Scott and Merle are talking about.

Scott does an excellent job in this interview explaining the details of why a properly setup Equity Index Life Insurance contract could easily be one of, if not the best investment product available to the average consumer to date!

Go ahead and listen to it now. If you want to learn more about these advanced financial strategies and your going to be in the Chicagoland area the first week of October, then I invite you to have dinner with me, on my dime at Biagio’s in the Northwest side of the city. A few of my Business Associates and I are holding 2 Dinner Seminars there, one on October 3rd at 6:30pm and the other October 5th at the same time.

If you are interested in attending go ahead and RSVP. But hurry, both events are almost full already

[audio:Scott_Merle_Radio.mp3]

If you were 60 years old, would you pay $30,000 a year for 10 years in exchange for $45,000 per year, tax-free, for 15 years? That is $300,000 for a $675,000 tax-free return. In a 35% tax-bracket, that is equivalent to a 246% after-tax return!

How about a 50-year-old paying $20,000 per year for 15 years and drawing out $52,000 a year tax-free for 20 years  from age 65 to 85? This is a 247% return. In a 35% tax bracket, this would equal 433%.

Now lets look at a 25-year-old Paying $10,000 a year for 20 years on his behalf would generate $230,000 per year tax-free for 20 years, beginning when he hits age 65. This is a 2,200% return tax-free!

And finally, for your 10-year-old grandchild: If you paid $5,000 a year for 20 years for him or her, it could generate over $250,000 a year tax-free from ages 65 to 85. Imagine $100,000 returning over $5million to your grandchild. That is a 4,900% return before calculating the tax savings!

A STOCK MARKET INVESTMENT WITH ZERO DOWNSIDE

When you’re talking about numbers like this, you’d normally expect the investment to carry a ton of risk; But not so here.

In fact, this is one of the safest investments on Earth. Besides allowing you to enjoy tax-free profits on stock indexes like the S&P 500 and the Nasdaq, it also:

• Lets you move funds in and out of the investment as needed
• Helps you avoid the IRS age 59½ early-withdrawal penalties and mandatory age 70 ½ distribution requirement
• Provides protection from creditors in most states
• Provides great retirement advantages without affecting your status regarding Social Security or taxes

The investments is Equity-Indexed Universal Life (EIUL) insurance and, trust me, this isn’t your father’s life insurance policy!

Look at a scale in perfect balance: nothing is happening… it’s stagnant… there’s no movement…there’s no progress… in fact, there’s no life at all.

Just like the harmony created by each unique and important instrument in an orchestra causes your emotions to soar (like an eagle rising on an invisible thermal), complete harmony in your life causes your level of happiness, wealth and success to soar.

The real key to creating the life of your dreams is achieving true Harmonic Wealth® (remember the emotional impact and magic of the harmony in a choir). That’s where you find contentment… peace-of-mind… a deep connection to (and understanding of) the world around you and your place in it.