Monday, October 24, 2011

Book Reading and Signing at Texas Author Day

Ruben Ruiz, Author of "My Own Money Blueprint", will be reading & signing his books at the Texas Author Day, at the San Marcos Public Library, Sunday, October 30th, from 2:00 to 5:00 p.m.

Wednesday, October 19, 2011

Author Ruiz Sets New Distribution Plan


Author Ruiz Sets New Distribution Plan
SAN MARCOS, Texas, October 19, 2011 -- With all of the uncertainty surrounding the debt crisis in America and the personal savings rate in the negative, Wealth & Millionaire Publishing announces the release of three books, authored by a Hispanic in the United States. Ruben Ruiz, financial strategist and adviser, is releasing his books in English and Spanish, which provide Americans with insightful and easy to understand steps to reaching financial stability, while at the same time entertaining with clever dialogues and memorable characters.
It started with the first book, The One-Hour Hispanic Millionaire , and this was a new adventure, a new business, and Ruiz didn’t know the first thing about self-publishing and book distribution. Then came the 2nd book, The Richest Latino in America. By then, the author had learned a lot of the book industry. In fact, he was able to get one of the top literary agents in the country to take on his book, and get a national and/or international publisher. But after a year and a half, neither publishers nor Ruiz ever put the book on amazon.com or anywhere else, during all that time. The thought of a new publisher was coming soon, and he would learn a new lesson, again.
Ruiz thought about it for awhile and figured out that 299 million Americans had never heard of his books. He also knew that after each presentation he gave on the self-help, financial books, some of the audience bought books. He figured that the lowest percentage of purchasers from the audience was 20%, and the highest was about 60%.
With that Ruiz made a decision; “Let’s just publish the books brand new, like they had never been published.” It was like a ‘practice’ or a ‘trial marketing’ program, which many authors do today. So he changed some of the covers, updated anything that needed an revised, and started the process of nationally distributing all four books, two in English and two in Spanish.
And if this wasn’t enough for Ruben Ruiz, financial advisor and author, he was in the middle of writing his 3rd book My Own Money Blueprint, which provides readers with tools and knowledge to build their own financial blueprint. Much like the tools needed to build a home from a blueprint; you have to have all the parts from the foundation to the roof.
 Ruiz also made a commitment to publish a new book every year, for the next ten years, and  

cover every part of financial education that is a part of America’s free enterprise society on
building income and net-worth. He made Robert Kiyosaki, author of Rich Dad, Poor Dad, the model to motivate the writing of his financial self-help books. Ruben started a new national distribution on October 15th, 2011 with all four books carried by amazon.com and his own book website. Ruiz is in the process to place books on all book websites, national book subscriptions, and retail stores. The 5th and 6th book – My Own Money Blueprint – will be on amazon.com by December 1st, or earlier.
My Own Money Blueprint provides readers with the tools to gain financial security, peace of
mind and an independent lifestyle by learning the 12 models that make up your “Own Money
Blueprint.” The highly-anticipated book is soon to be released.

The Richest Latino in America is the 21st century version of “The Richest Man in Babylon.” It is the 1st Self-Help, Financial story or ‘novella’, written by a financial advisor. It contains many memorable characters, humor, wealth principals, and easy, financial tips and techniques for all of America to manage their monthly paycheck and turn it into ‘net worth’ between the story pages of a novella that is guaranteed to hold their interest.

Don’t let the title “The One-Hour Hispanic Millionaire” fool you into thinking this book must be fictional. In actuality, it contains 30 educational chapters, that help the average American learn in ‘one-hour’ a week to create wealth, achieve true financial independence, and yes, build a goal-based ‘million dollar’ net worth.

“The aim of the books is to encourage Latinos to be financially independent and to realize that wealth is attainable for everyone with the right planning,” said Ruiz. “What Latinos need and want more passionately than anything else for building wealth is a structured plan.”
Ruiz hopes that by offering three new books, Latinos will be set with every tool needed for financial success. He has made it his personal mission to help 100,000 Hispanics across the country become wealthy, millionaires or financially independent within the next ten years.
About Ruben Ruiz
Ruben Ruiz, Jr., MSFS, CLU, ChFC, RFC, is a president and CEO of The Ruiz Financial Group, LLC.,Wealth & Millionaire Publishing and regional director of Money Concepts Financial Planning Centers in San Marcos and San Antonio, Texas. Ruben’s firms have a long tradition of helping clients build, manage, and protect their wealth through financial planning and investment advisory services.

Financial Education K-12; Cure for American Debt Catastrophe


Financial Education K-12
 The Cure for the American Debt Catastrophe
San Marcos, Texas, (October 19, 2011)
Do you ever wonder about your financial future and job security? If you’re like most Americans, then the answer is “yes!” With all of the uncertainty surrounding the debt crisis in America and the personal savings rate in the negative, encouragement and support to build savings and net-worth are needed now more than ever. Everyone across the board is well aware that the American economy is in bad shape. But what most people may not know is just how severe the dilemma truly is.
Devastating effects of Economy
 The destructive effects of the deficit have hit the nation with full force. Americans have accumulated 2.5 trillion in personal consumer debt! From just 2007-2009, 67% of Americans have experienced a huge plunge in their total wealth, a median 45% decline! It is extremely difficult for workers to bounce back from such a huge plummet in their income in only a matter of two years.  An astounding 77% of Americans are now living paycheck to paycheck. 28% of the country doesn’t pay their bills on time, and 40% carry over credit card debt from month to month.
 Nearly 2/3 of Americans are experiencing financial problems such as paying for gas, food, rent or mortgage, healthcare and insurance. Many American workers are worried about making ends meet, concerned about bankruptcy and losing their homes, not having enough money to cover expenses, and mounting credit card debt. Not to mention they are concerned with getting a good job or raise, keeping their job, coping with loss of money in the stock market, and managing personal and consumer debt. Clearly, financial stress is on the rise.
Effects in Individuals
If the deficit can bring down a country as powerful as the United States, imagine what it can do to an individual at the personal level. Family lives suffer from economic frustrations.  People are now bringing more stress home from their jobs along with the work. 8 out of 10 Americans claim that money, or rather lack of it, is a significant source of stress in their lives.
30 million workers in America – 1 in 4 are seriously distressed and dissatisfied and causing negative impacts in individuals, families, and employers. In a perfect world, people would be able to keep their financial pressure and home life issues separate from their work-life. However, at least 15% of U.S. workers experience so much financially related stress, that it negatively impacts their work productivity. Their downfall of productivity may lead to losing their jobs. Thus, a vicious cycle is created that is tremendously difficult to escape.
It is impossible to separate your life so completely.  When you are not feeling good about your future, it will have a negative impact on your home life as well. Statistics suggest finances play a leading role in 80% of all divorces in America. More than 52% of Americans experience anger, irritability, fatigue, and sleeplessness due to fiscal struggles.
Additionally, monetary distress can take a heavy toll on one’s health and mental well being. An astonishing 75%-90% of all doctor’s visits are stress-related. Financial struggles may lead to stress, anxiety, depression, insomnia, high blood pressure, weight gain or loss, stomach problems, ulcers or digestive problems, aches and pains, and other general sickness. There is a direct correlation of financial issues and health status. Needless to be said, this certainly adds to the frustration of being muddled waist-deep in debt. It is now estimated that it costs $15,000 per year per worker for financial stress related illness.
Who is to blame?
You may be wondering why so many people have found themselves burdened with financial suffering. People have blamed everything from A-Z for the damaged economy.  Many are riddled with the seemingly complexity of how the situation became so dire. Who is the culprit in this case? The answer is really quite simple. The economy is at an all time low due to the lack of financial education within American citizens. Many citizens do not know how to save, invest, borrow responsibly, and plan for their financial future.  43% of Americans do not budget or track their expenses at all! And 63% have not viewed their credit score in the past year. 32% do not spend any portion of their income for retirement.
The Secret Finally Revealed
How can the government or agencies fix the health care issue before fixing the U.S. financial problem? A financial education K-12 program is the solution. No, the employer doesn’t have to pay for 12 years of training, nor does the American W-2 or 1099 worker have to go back to school and get a diploma in ‘money education.’ (Maybe it’s not such a bad idea.) But a single money management education program that does cover K-12 will work. Money management training in America is essential.
America needs to become the leader again in having ‘savings’ rates of 10% or more. While the average, or even the higher income American, needs the education; the members of congress, their staff, their lobbyists and aids, should attend a K-12 financial school as well.
Although this skill is usually neglected, financially literacy is becoming an increasingly important life skill needed to survive in modern day America. Knowing how to manage your finances is a powerful skill. The knowledge needed to manage your finances can prevent an enormous amount of issues.
People are encountering debt problems at a younger age than past generations due to manipulative credit card agencies targeting young students. Teens now have to make important decisions, such as taking out thousands of dollars in loans. Consequently, it is imperative for the youth of America to become financially literate at a young age in order to steer clear of debt as an adult.
If the parents of today’s youth cannot manage their own finances, how can they teach their children to do so? Today only 13 states require a personal financial course to graduate high school. If high schools and colleges are graduating financial illiterate students, it is no wonder there are so many adults in the real world who have financial troubles.
Financial Education K-12
One solution to reconstructing the American economy is implementing financial education programs in public schools. Although there are immense resources of financial education among adults, the progress to educate youth on finances is very slowly on the move. Youth financial education should be applied in all public schools, grades K-12, rather than the wait to educate students in high school and college.
Educating younger generations on managing their finances will prevent them from falling into debt at an adult age by making uninformed decisions. Instead of making the same financial mistakes that brought our economy to shambles, they can finally break the vicious debt cycle and create wealth in America. Studies have shown that students who took a required course in finances were more likely to budget, save, and pay their credit cards in full. They were also less likely to max out credit cards.
Although many parents want to educate their children on money-management, many do not know how. Unfortunately many teachers do not know the answers either. In order for financial literacy programs to be effective, teachers need to be properly trained and learn to create their own financial prosperity, first and foremost. These programs should meet national academic standards. The course or program should also be a requirement for all students.
Help is on the Way
Ruben Ruiz, MSFS, ChFC, RFC , CEO, Author, and Award Winning Financial Advisor, offers educators, teachers, and students financial education, training, development, consulting, coaching & advisory services through the selection of financial programs, where they can select one or all programs to provide financial empowerment. Ruben also writes books, in English and Spanish, providing a wealth of information on the ever-so important life skill of money-management. His workshops, boot camps, seminars, and books are the key to creating financial independence.

Mr. Ruiz will be one of the featured authors at the Texas Author Day, sponsored by the San Marcos Public Library, and will be reading and signing his new books.

My Own Money Blueprint provides readers with the tools to gain financial security, peace of
mind and an independent lifestyle by learning the 12 models that make up your “Own Money
Blueprint.” The highly-anticipated book is soon to be released, and will be available
December 1st, 2011.

The Richest Latino in America is the 21st century version of “The Richest Man in Babylon.” It is the 1st Self-Help, Financial story or ‘novella’, written by a financial advisor. It contains many memorable characters, humor, wealth principals, and easy, financial tips and techniques for all of America to manage their monthly paycheck and turn it into ‘net worth’ between the story pages of a novella that is guaranteed to hold their interest.

Don’t let the title “The One-Hour Hispanic Millionaire” fool you into thinking this book must be fictional. In actuality, it contains 30 educational chapters, that help the average American learn in ‘one-hour’ a week to create wealth, achieve true financial independence, and yes, build a goal-based ‘million dollar’ net worth.

About Ruben Ruiz
Ruiz is an award-winning author, financial coach, and CEO of The Ruiz Financial Group, LLC. Ruiz is a member of the Financial Planning Association (FPA) of San Antonio and South Texas and has served in various positions for the organization, including chairman of the Board. Ruiz teaches, educates and provides consulting services to clients and associates in wealth management and financial planning. He has published three books on financial planning & money management.

Mr. Ruiz has a bachelor of business administration (BBA) degree from Southwest Texas State University (Texas State University) and a master of science in financial services (MSFS) degree from the Richard D. Irwin Graduate School of The American College, Bryn Mawr, Pennsylvania. He holds the professional designations of the chartered financial consultant (ChFC) and the registered financial consultant (RFC).

Financial Education Press Release


Financial Education K-12
 The Cure for the American Debt Catastrophe
SAN MARCOS, Texas – With all of the uncertainty surrounding the debt crisis in America and the personal savings rate in the negative, encouragement and support to build wealth are needed more than ever. It is imperative for the youth of America to become financially literate at a young age in order to steer clear of debt as an adult. And Ruben Ruiz is ready to help. Ruiz, financial strategist and adviser, offers financial workshops and is releasing three new books, available in English and Spanish, which provide Americans with insightful and easy to understand steps to reaching financial stability.
My Own Money Blueprint provides readers with the tools to gain financial security, peace of
mind and an independent lifestyle by learning the 12 models that make up your “Own Money
Blueprint.” The highly-anticipated book is soon to be released, and will be available
December 1st, 2011.

The Richest Latino in America is the 21st century version of “The Richest Man in Babylon.” It is the 1st Self-Help, Financial story or ‘novella’, written by a financial advisor. It contains many memorable characters, humor, wealth principals, and easy, financial tips and techniques for all of America to manage their monthly paycheck and turn it into ‘net worth’ between the story pages of a novella that is guaranteed to hold their interest.

Don’t let the title “The One-Hour Hispanic Millionaire” fool you into thinking this book must be fictional. In actuality, it contains 30 educational chapters, that help the average American learn in ‘one-hour’ a week to create wealth, achieve true financial independence, and yes, build a goal-based ‘million dollar’ net worth.

One solution to reconstructing the American economy is implementing financial education programs in public schools. Although there are immense resources of financial education among adults, the progress to educate youth on finances is very slowly on the move. Youth financial education should be applied in all public schools, grades K-12, rather than the wait to educate students in high school and college.
Educating younger generations on managing their finances will prevent them from falling into debt at an adult age by making uninformed decisions. Studies have shown that students who took a required course in finances were more likely to budget, save, and pay their credit cards in full. In order for the programs to be effective, teachers need to be properly trained and learn to create their own financial security, first and foremost.
Ruben Ruiz, MSFS, ChFC, RFC , CEO, Author, and Award Winning Financial Advisor, offers educators, teachers, and students financial education, training, development, consulting, coaching & advisory services through the selection of financial programs, where they can select one or all programs to provide financial empowerment. Ruben also writes books, in English and Spanish, providing a wealth of information on the ever-so important life skill of money-management. His workshops, boot camps, seminars, and books are the key to creating financial independence.


About Ruben Ruiz
Ruiz is an award-winning author, financial coach, and CEO of The Ruiz Financial Group, LLC. Ruiz is a member of the Financial Planning Association (FPA) of San Antonio and South Texas and has served in various positions for the organization, including chairman of the Board. Ruiz teaches, educates and provides consulting services to clients and associates in wealth management and financial planning. He has published three books on financial planning & money management.

Mr. Ruiz has a bachelor of business administration (BBA) degree from Southwest Texas State University (Texas State University) and a master of science in financial services (MSFS) degree from the Richard D. Irwin Graduate School of The American College, Bryn Mawr, Pennsylvania. He holds the professional designations of the chartered financial consultant (ChFC) and the registered financial consultant (RFC).

Report for Teachers


Do you Ever Worry About Your
Financial Future and Job Security?

HOW ANY TEACHER CAN FINALLY
ACHIEVE FINANCIAL SECURITY
AND PEACE OF MIND!

If we can’t save you at least $5,000 in taxes or other
expenses you’re overpaying for, you don’t
owe us a cent for our time … or this report!

As you can see, I have attached a nice $1.00 bill to the top of this letter.
Why have I done this?  There are two reasons:

1.                  I have something very important to tell you and I needed some way to make sure this letter would catch your attention.

2.                  And second, since what I am writing you about involves money, I thought using a dollar bill as an “eye-catcher” was especially appropriate!

Let me ask you a question:

Can you ever remember a time, when being a teacher was more confusing and frustrating?

I’ll be you can’t.

It seems that the profession we have all chosen has changed in some very profound ways.  Changes that cause you concerns about the future, and the future of your family.  And, changes that cause you to sometimes question your choice of career.

Sometimes, these changes cause you to ask yourself, “What am I doing in this kind of work, anyway?”

As a “Teacher” you chose to educate our children, to help create a better world. 

And you knew it wasn’t going to be a cake walk.  You knew there were going to be long hours.  And, too many unruly kids in the classes.  And, principals with different agendas than yours.  And parents who think you’re their full time replacements.

You knew all that, and more, about how tough your chosen assignment was going to be.  But, you still went into the field because you can’t think of anything more meaningful than:

Giving kids the chance to live the life they want to lead!
*     *     *     *     *


Are you wondering if your financial future will be ok?

*Will the Teachers Retirement System provide me with a retirement income that will increase with the cost of living?

65% of baby boomers don’t have money for retirement!

*Do you get frustrated thinking about how tired you are of needing a second income to get by?

All these thoughts and concerns take a lot of time and energy.  Time and energy that could be used to replenish yourself to be fresh, and enthusiastic for the daily effort of being there for not only your students, but of course your family too!

Sadly, the world doesn’t seem to acknowledge or worry about our teachers the way it does doctors, or lawyers, or other professionals.

THE FUTURE!

And yet, here we are.  Making less money, with more responsibilities and stress!  Our family lives suffer from our frustrations.  We’ve always been working a job that truly means “brining work home”, and now, we’re bringing more stress home along with the work! 8 out of 10 Americans state money, or lack of it, is a significant source of stress in their lives.

30 million workers in America – 1 in 4 are seriously distressed and dissatisfied and causing negative impacts in individuals, families, and employers. In a perfect world, people would be able to keep their financial stress and home life issues separate from their work-life. However, at least 15% of U.S. workers experience so much financially related stress, that it negatively impacts their work productivity.

It is impossible to separate your life so completely.  When you’re not feeling good about your future, it will have a negative impact on your home life. Statistics suggest finances play a leading role in 80% of all divorces in America. More than 52% of Americans experience anger, irritability, fatigue, and sleeplessness due to financial struggles.

Financial distress can also take a heavy toll on one’s health and mental well being. 75%-90% of all doctor’s visits are stress-related. Financial struggles may lead to stress, anxiety, depression, insomnia, high blood pressure, weight gain or loss, stomach problems, ulcers or digestive problems, aches and pains, and other general sickness. There is a direct correlation of financial issues and health status.

This adds to the frustration….
THE ECONOMY...

The devastating effects of the deficit have hit the citizens of America HARD! Americans have accumulated 2.5 trillion in personal consumer debt! Has it affected you personally? From just 2007-2009, 67% of Americans have experienced a huge decline in their total wealth, a median 45% decline!  An astounding 77% of Americans now live paycheck to paycheck. In a country where 28% of Americans don’t pay their bills on time, and 40% carry over credit card debt from month to month, the issue is clearly distressing!

 Nearly 2/3 of Americans are having financial problems including paying for gas, food, rent or mortgage, healthcare and insurance, getting a good job or raise, losing money in the stock market, and personal debt. Many American workers are living paycheck to paycheck, worried about making ends meet, concerned about bankruptcy and losing their homes, don’t have enough money to cover expenses, and are mounting credit card debt. Financial stress is most certainly on the rise.


LET ME SHARE A SECRET!

You know, there is one secret that can solve a lot of these worries.  It’s not something you learn in college or graduate school…. or even acquiring a Ph.D.

SO WHAT IS IT????

FINANCIAL EDUCATION

Getting yourself educated, the same way you teach your students!
D U H H H H H H H H ! ! ! ! !  as our kids say.

FINANCIAL EDUCATION K-12

One of the wonderful things about being a teacher is being able to influence the lives of many students. Although we may not get much credit for it, teachers have one of the most important professions in society! In this day and age, financial literacy is becoming an increasingly fundamental life skill to survive in America. The lack of financial literacy in Americans is what created the deficit! If children cannot learn to manage their finances from their debt burdened parents, then the cycle of debt will continue to future generations. So why not implement financial programs in schools???

Today only 13 states require a personal financial course to graduate high school! If high schools and colleges are graduating financial illiterate students, it’s no wonder there are so many adults in the real world who have financial struggles! Let’s avoid debt in future generations by educating the youth of America today! YOU can help the future by giving the gift of knowledge!

But first and foremost…..
You must help yourself1 And I am ready to help you! 

Think about what I’m saying here!

We all use up the hours in the day to set a curriculum, and to learn new ways to teach.  To get better and better at being the best teachers we can be.  But since there is only a fixed amount of hours in the day, where are you going to get the time to become an expert at another full time profession?

That of being an expert in organizing and managing your money.

**The answer is, you can’t do it all.  (Not even if you’re “SUPER TEACHER”!)

Unfortunately, we have been forced by the economy and society in general, to be a money manager, besides being a teacher!


I’ll bet you think plenty about:

v  How your own kids will get through college.

v  How you will be able to retire on the same standard of living you have now.

v  How to make the best of the summer and so forth, to add financial security for your family.

v  What it will take to stop having to take on extra work just to meet the bills, let alone save for the future.

v  Whether or not you’ve made the right decisions on your benefits package.

v  How you can pay less in taxes, legally?

v  What strategies and financial secrets are out there, that you don’t even know exist?

v  How do I eliminate my total DEBT?

PLANNING

YES, THAT’S RIGHT

PLANNING!

The activity you do every day for a living is the same skill you need to be successful with your money, as you are in your career!

*Imagine a scenario where you just show up the first day of class, pull out a book and a piece of chalk, and start teaching without a plan!

It’s absurd even thinking about it…

Could you imagine having no idea what information you were going to stress?  What books and tools you were going to use?  What timing you would incorporate into your lesson units?  What the other teachers were doing?  Not knowing the goals of the grading period?

Could you imagine?


You know what I’m talking about?

Ø  Doing your tax planning while you file your returns – for the past year! (A little too late, wouldn’t you say?)

Ø  Deciding on your TSA choices based on a three minute conversation with a colleague in the lounge over a soda.

Ø  Setting up your insurance based on a salesperson’s biased advice.

Ø  Investing your money with decisions made from reading an article in “MONEY” magazine.

And, listening to Bryant Gumbell interview a stock analyst on the “TODAY” show, and then running to your discount broker.

Do you take time to plan for your own future in such lavish detail????

I think you probably do not…

Be realistic with yourself!
43% of Americans do not budget or track their expenses at all! 32% do not spend any portion of their income for retirement. And 63% have not viewed their credit score in the past year!

Yet, this planning makes the difference between arriving at your destination, feeling safe and secure, or having no clue where you are, or even where you want to be!

What we are talking about here, is probably the most important aspect in your life, next to your health!

SO WHY DO WE DO IT?

Why do we not plan for our future the way we set up a lesson plan or a vacation?

In my opinion, it is because we just don’t have the time or energy.

It’s not that we’re “stupid”, or lazy, or anything negative like that.

NO, NOT AT ALL…

It’s just we make the huge mistake of thinking that it takes too much time, or that you’re uncertain of what to do.  Because it’s uncomfortable, there is a tendency to put off, procrastinate, do anything but…DO IT!

The RESULT?

Literally thousands of dollars that are lost, or unnecessarily paid in the form of missed tax deductions, overpayment on interest, duplicate coverages, hidden fees, expenses… and on and on!

Now, you are probably agreeing with me about the need for planning, but are wondering what will it do for me?

Planning will allow you the opportunity to learn how to:

  • Defer or even eliminate taxes, sometimes saving hundreds or even thousands of dollars every year!  Think about this:

?—If you saved even $300 per month in taxes and you’re 40 years old, and you earn only a lousy 3% on the extra savings;

You would have an additional $98,491 at age 60!

HOW ABOUT THINGS LIKE THESE?

  • How to stash away over six times as much as an IRA, in tax deferred savings?

  • The little known secret of how to finance a home and reduce your monthly payment up to 50%

  • How to finance part, or all of a college education, without paying taxes or penalties!

  • The amazingly simple secret of selling assets for a profit, without paying any tax!

  • Avoid the five biggest mistakes teachers make with their money!

  • The startling secrets to have the best chance of retiring when you want, with as much money as you want!

  • Use the investment strategies the pros use every day, except the results will be for you not for them!

  • Take advantage of ten possible ways to beat today’s horribly low interest rates on investments!

  • Have the best change of being in the 6% of teachers who truly control their own lives, because they have enough financial wisdom to do what they want!

All this may sound like a lot of hype, but let me tell you that, just like any profession, certain inside tips and tricks of the trade do exist!

**Just like YOU know many secrets of how to do your job more efficiently, and better 
    than others!  Every vocation has lots of twists and turns only the experienced drivers 
    know how to take.  These are just some basic facts of financial life!

HERE IS ONE MORE IMPORTANT FACT!

The longer you wait to take advantage of what is rightfully yours, the more you cost yourself.

**So many teachers we work with are so surprised at how simple fixing money concerns can be with proper planning.  And we know how frustrating it can be to feel like the “FINANCIAL CONROL” and PEACE OF MIND you want is just out of reach.

If you feel like government, the school boards, the unions and so forth, have the control over you, that can be fixed very quickly, but, the initial step must be yours.

TAKING THE FIRST STEP!

Taking the first step into a new life of financial control is really up to YOU!

v  Learn how you can save at least $5,000 in TAXES and other expenses you’re overpaying.

v  Whether you make $40,000 or $240,000 a year, most people we talk to tell us that they are very interested to learn practical ways to reduce their taxes, and not overpay on other expenses!

FOR EXAMPLE:

Just last week, we met with an individual who was certain they were all taken care of, and we uncovered over $7,357 in taxes and other expenses that they were overpaying.

Almost without exception when we ask people how they think this kind of money slips through their checkbooks, the three biggest causes are:

  1. Not having enough time.

  1. Not knowing exactly what to look for…and where.

  1. Thinking or hoping everything is being “taken care of” for them.



The biggest problem for most people today is TIME.

*Not enough TIME…and not knowing where to look!

STOP FOR JUST A MOMENT AND THINK ABOUT WHERE YOUR TIME GOES MONDAY – FRIDAY!

FOR RETIREES:  The biggest problem is not “investing time” first to be fully aware of all the tax saving opportunities available, and not loaning their money to Mr. Banker for 3% while he turns around and rents it out for 12-18%. 

THERE IS A HAPPY ENDING!

Even people who have a good income and money in the bank are feeling more financial pressure today!  Today more than ever, people are sincerely looking for practical ways to save money on taxes and expenses wherever possible, and provide a “financial safety net” underneath themselves for the future!  Just like a medical doctor, the first step towards getting well or staying healthy financially, is to perform a check-up and diagnosis to see what’s “bugging” YOU!

We can provide you with a “Financial Check-up, diagnosis and written report”.  If you are not totally happy with our report and tax service, there is NO further obligation on YOUR part.

NO PRESSURE!     NO SALES!     NO HASSLES!

Finally, I wanted you to know that we also invite everyone, who we prepare a financial report for, to attend one of our tax saving workshops….FREE!

Well, I think this covers everything.  I hope this discussion of building a financial map for your life’s road makes sense to you in a new and different way.  I hope it has got you thinking about your own life, and how you feel about your taxes, finances, the “quality of time” and life-style you have.  So you and your family can have the best life possible! 

I look forward to talking to you soon, and seeing where we go from here.

Take care, and I wish you all the good luck in the world!

Sincerely,



Ruben Ruiz, Jr., CLU, ChFC, RFC, CSA
Money Concepts International Financial Planning Network
      1920a Corporate Drive, Suite 106, San Marcos, TX 78666
      1777 NE Loop 410, STE. 600, San Antonio, TX 78217
TELEPHONE: (512) 396-2487, (210) 573-6827, FAX: (208)-279-1073

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