tag:blogger.com,1999:blog-14863047136679776402024-03-05T14:48:48.268-08:00Ruben Ruiz, Financial CoachAnonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.comBlogger43125tag:blogger.com,1999:blog-1486304713667977640.post-27735804448716179532014-02-28T12:31:00.006-08:002014-02-28T12:34:47.819-08:00Texas Educational Professionals Retirement Seminars and Workshops <h2 style="text-align: center;">
<span style="color: #cc0000; font-family: Helvetica Neue, Arial, Helvetica, sans-serif; font-size: large;"><br />Free Educational Professionals Retirement Financial Seminars and Workshop </span></h2>
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<iframe height="480" src="https://docs.google.com/file/d/0By9RSiHFaG-_U3pTRlRUem5sUU0/preview" width="640"></iframe>Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com5tag:blogger.com,1999:blog-1486304713667977640.post-84641609233929349352014-01-29T09:44:00.001-08:002014-01-29T09:44:56.640-08:00Coping with a Bad 401(K) <div class="clearfix" id="tabs-wrapper">
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Coping With a Bad 401(k)</h1>
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<a href="http://adviceiq.com/articles/roger-wohlner-coping-bad-401k"><span content="2014-01-21T12:00:00-05:00" rel="sioc:has_creator">Submitted by <span class="username">Roger Wohlner</span> on Tue, 01/21/2014 - 12:00pm</span></a></div>
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Your
retirement rests in your hands like never before. Here’s how to take
advantage of even a bad savings plan offered by your employer.<br />
Financial advisors generally suggest maximizing contributions to your company’s <a href="http://www.investopedia.com/terms/1/401kplan.asp">401(k)</a> plan, under which you contribute part of your salary on a post-tax or pretax basis.<br />
In my blog article “<a href="http://thechicagofinancialplanner.com/2013/02/06/4-signs-of-a-lousy-401k-plan/">4 Signs of a Lousy 401(k) Plan</a>,” I discuss these telltale warnings:<br />
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An investment menu consisting of proprietary mutual funds from the provider of your retirement plan.</li>
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Single fund family investment menus that may not offer the best option in every asset class.</li>
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Expensive share classes.</li>
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A group annuity wrapper around the plan, often a complicated and
generally expensive insurance contract bestowing little benefit to plan
participants.</li>
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What if your employer’s 401(k) plan is lousy? Here are some tips:<br />
<b>Invest in the plan’s best funds. </b>Even lousy plans often offer at least a couple of decent <a href="http://thechicagofinancialplanner.com/mutual-fund-investing/">mutual funds</a>.
For stock funds, this could mean either index funds (they must track
well-known benchmarks and not charge excessive fees) or actively managed
ones (which have good long-term records and risk management, meaning
they get pummeled less in down markets).<br />
Focus your contribution on these few investment choices and use
investment dollars outside of the plan to complete your portfolio’s
overall <a href="http://www.investopedia.com/terms/a/assetallocation.asp">asset allocation</a>.<br />
<b>Get the full company match. </b>If your company matches
contributions, contribute at least enough to receive the full match. For
example, if your plan matches half of all contributions up to 6% of
your salary, that’s an extra 3% contribution from the company that gives
you an instant 50% return on your money. That’s hard to beat.<br />
<b>Contribute to an </b><a href="http://www.investopedia.com/terms/i/ira.asp"><b>individual retirement account</b></a><b> (IRA). </b>Everyone can <a href="http://www.forbes.com/sites/ashleaebeling/2013/11/01/irs-announces-2014-retirement-plan-contribution-limits-for-401ks-and-more/">contribute</a>
the $5,500 maximum ($6,500 if you’re 50 or older) to an IRA for 2013
and for 2014. The deductibility of a traditional IRA contribution
depends upon your income and whether your employer’s retirement plan
covers you.<br />
Likewise, income ceilings determine whether you can contribute to a <a href="http://www.investopedia.com/terms/r/rothira.asp">Roth IRA</a>.<br />
<b>Take advantage of other retirement savings options. </b>If your spouse’s company offers a better 401(k), maximize contributions to that plan.<br />
Do you run a business on the side? If the business generates income, start a retirement plan. Among the options:<br />
· <a href="http://www.investopedia.com/university/retirementplans/simpleira/">Savings incentive match plan for employees</a> <b>(SIMPLE) IRA, </b><b>which </b>may be established by employers and the self-employed.<br />
· <a href="http://www.investopedia.com/terms/s/sep.asp">Simplified employment pension</a>
(SEP) IRA, also established by employers or the self-employed and to
which the employer can take a tax deduction for discretionary
contributions to the plan.<br />
· A <a href="http://thechicagofinancialplanner.com/2013/09/10/reasons-to-consider-a-solo-401k/">solo 401(k)</a>,
and remember that any contribution limits apply to your company
retirement plan and your self-employed retirement plan combined.<br />
<b>Discuss concerns with your employer. </b>Do your homework and outline your concerns with the plan. New 401(k) <a href="http://www.dol.gov/ebsa/newsroom/fsparticipantfeerule.html">disclosure rules</a> may make your plan administrator more receptive to your input.<br />
The rules call for you to have the information you need to make
informed decisions, including information about fees and expenses;
delivery of investment-related information in a format that helps you
clearly compare plan options; and use of standard methodologies in
calculating and disclosing your expenses and returns, among other
conditions.<br />
Such plans as 401(k)s and similar defined contribution vehicles
represent an excellent opportunity to save for retirement via ongoing
salary deferral. If your employer plan is one of the lousy ones, look
for additional ways to save and invest for your retirement – and
diligently make contributions.<br />
<i>Follow AdviceIQ on Twitter at </i><a href="https://twitter.com/AdviceIQ"><i>@adviceiq</i></a>.<br />
<i>Roger Wohlner, CFP, is a fee-only financial adviser at Asset
Strategy Consultants based in Arlington Heights, Ill., where he provides
financial planning and investment advice to individual clients, 401(k)
plan sponsors and participants, foundations, and endowments.</i> <i>Please feel free to</i> <a href="http://thechicagofinancialplanner.com/contact/">contact him</a> <i>with your investing and financial planning questions. Check out his </i><a href="http://thechicagofinancialplanner.com/services/services-for-individuals/"><i>Financial Planning and Investment Advice for Individuals</i></a><i> page to learn more about his firm’s services. Roger is active on both </i><a href="http://twitter.com/rwohlner"><i>Twitter</i></a><i> and </i><a href="http://www.linkedin.com/in/rogerwohlnercfp"><i>LinkedIn</i></a><i>. Check out Roger’s popular blog </i><a href="http://thechicagofinancialplanner.com/"><i>The Chicago Financial Planner</i></a><i> where
he writes about issues concerning financial planning, investments, and
retirement plans. He is also a regular contributor to the </i><a href="http://money.usnews.com/topics/author/roger_wohlner"><i>US News Smarter Investor Blog</i></a><i> and
has been quoted extensively in the financial press including the Wall
Street Journal, Forbes and Smart Money, Roger is a member of NAPFA, the
largest professional organization for fee-only financial advisors in the
country. All NAPFA Registered Advisors sign a fiduciary oath promising
to act in the best interests of their clients.</i><br />
<i>AdviceIQ delivers quality personal finance articles by both
financial advisors and AdviceIQ editors. It ranks advisors in your area
by specialty, including small businesses, doctors and clients of modest
means, for example. Those with the biggest number of clients in a given
specialty</i> <i>rank the highest. AdviceIQ also vets ranked advisors
so only those with pristine regulatory histories can participate.
AdviceIQ was launched Jan. 9, 2012, by veteran Wall Street executives,
editors and technologists. Right now, investors may see many advisor
rankings, although in some areas only a few are ranked. Check back often
as thousands of advisors are undergoing AdviceIQ screening. New
advisors appear in rankings daily.</i><br />
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Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com1tag:blogger.com,1999:blog-1486304713667977640.post-74821115336033740212014-01-22T07:23:00.002-08:002014-01-22T07:32:37.320-08:00Get out of Retirement Detention<div class="separator" style="clear: both; text-align: center;">
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<span style="font-family: Trebuchet MS, sans-serif; font-size: x-large;">Get Out of Retirement Detention</span></h2>
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For Educator's in Texas, their retirement years will makeup as much as 30 or more years. The majority of Educators have not calculated whether they will have adequate income for their retirement, nor do they know how to do the calculation. Educators under the TRS Retirement Plan, usually don't find out until after their retirement that the TRS Plan is a Defined Benefits Plan and does not have a COLA like Social Security. This means their Standard annuity income check is losing 3% a year.</div>
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<span style="font-family: Arial, Helvetica, sans-serif;">FeDeK-12- Educators- Full
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<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">The FeDeK-12- "Retiring
Easy," course prepares you for the transition into retirement. Through
this course, you will be able to: Identify with your values, and set retirement
goals; learn how inflation will affect your retirement income; understand
investments; and develop your own retirement plan. Come prepared, January 25,
2014, at Embassy Suites "Conference Center"- in San Marcos, Texas, from
9:00 am - 12:30 pm. </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">This is a three and a half hour long class that will help
improve the longevity of your retirement plan. Included, in the Educator
Package: Workbook (Over 150 pages) for retention Financial Easy Software Money
management program. Class will begin at 9:00 am to 12:30pm, however,
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Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com8tag:blogger.com,1999:blog-1486304713667977640.post-31590280828104096512013-12-12T12:37:00.000-08:002014-10-31T10:06:41.466-07:00What happens to your body when you don't get enough sleep<div class="separator" style="clear: both; text-align: center;">
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<span style="font-size: large;">How much sleep are you getting a night? </span></div>
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In today's fast past and busy society, it is hard to tell if we are meeting all our biological needs. Sleep is one of those basic necessities we can't escape. When is the last time you stayed up all night for an exam, went out on the town with your friends when you had work the next morning, woke up to a crying baby, or even couldn't sleep because of those loud trains blowing their horns throughout the night. </div>
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If you can't remember good for you, but for the majority of us it seems we have developed the same patterns of regualting our sleeping cycle. A pattern I like to call- NOT AT ALL. </div>
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It isn't like we are purposely trying to not get enough sleep. We live in a society that expects us to burn both ends of the candle, and still get up and cook breakfast for our children in the morning. What happens to our mind and body when we find ourselves functioning on too little of sleep? Given that this morning, I woke up after only 5 hours of sleep, and forgot my wallet and then became especially moody when one of my co-workers said something about my socks not matching, this is definitely a topic I am interested in. </div>
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In an article I read about the effects of sleep, <a href="http://www.psychologytoday.com/blog/between-you-and-me/201306/are-you-getting-enough-sleep">On Psychology Today</a>, the writer appeared to have the exact same problems as me. He began studying and wrote a series of posts that investigate the negative effects of losing sleep at night. If you are interested in finding out whether or not you are sleeping enough at night you should begin by taking the <a href="http://www.psychologytoday.com/blog/between-you-and-me/201306/are-you-getting-enough-sleep">Stanford Sleeping Scale</a>- it is a quick was to assess how alert you are feeling, and if you are getting enough sleep at night. </div>
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However, if you don't feel like you are. These are the side effects attributed to lose of sleep... The evidence is a little mind blowing.</div>
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<span style="font-size: large;">Are you Intoxicated? </span></div>
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Have you ever been so fatigued, you feel like you have just chugged two bottles of wine? Things start to mush together and after the point of total cognitive incomprehension you begin to sound like slurring sally who just walked out of apple's bar. </div>
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Chronic sleep deprivation and irregular sleep cycles have been connected to a number of mental and medical health problems. Did you know, that if your body only gets a couple hours of sleep, a sleep deprived body can have the same symptoms as an intoxicated body. Think about drinking and driving and how dangerous to yourself and others that is. The same goes with not getting enough sleep.</div>
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<span style="font-size: large;">The Scale </span></div>
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Good morning, and rise and shine. It is time to check your daily weight, WHAT- you've seemed to have gained five pounds over night? That is something surprising, but fatigue can be correlated with increases percentages of body fat. Also, it has been said that lack of sleep can increase your heart rate and cause many health problems. Alzheimer's is also related to the consequences of losing sleep.</div>
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However, lets talking about the number one must destructive side effect of a sleepless night... YOUR MENTAL HEALTH. </div>
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As psychologist and researcher Mark Sisson puts it, </div>
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<i style="background-color: white; color: #182221; font-family: ff-tisa-sans-web-pro, trebuchet, helvetica, arial, sans-serif; line-height: 31.00040054321289px; margin: 0px; padding: 0px;">“One study found that <a href="http://www.sciencedirect.com/science?_ob=ArticleURL&_udi=B6T4S-4X9NCFK-1&_user=10&_coverDate=01%2F15%2F2010&_rdoc=1&_fmt=high&_orig=search&_sort=d&_docanchor=&view=c&_acct=C000050221&_version=1&_urlVersion=0&_userid=10&md5=2bdd76db6810f20be505aec74dc8936f" style="color: #c73737; margin: 0px; padding: 0px; text-decoration: none;" target="_blank" title="Reduced Orbitofrontal and Parietal Gray Matter in Chronic Insomnia: A Voxel-Based Morphometric Study">skipped sleep led to a shrinking brain</a>. Bye, bye gray matter! The <a href="http://www.marksdailyapple.com/sleep-kidney-heart-disease/" style="color: #c73737; margin: 0px; padding: 0px; text-decoration: none;" target="_self" title="Study Finds Frequent Sleep Disruption Increases Risk of Kidney, Heart Disease ">heart and kidneys also take a beating</a> as does your <a href="http://www.ncbi.nlm.nih.gov/pubmed/19544752" style="color: #c73737; margin: 0px; padding: 0px; text-decoration: none;" target="_blank" title="Nighttime blood pressure in normotensive subjects with chronic insomnia: implications for cardiovascular risk.">blood pressure</a>. You, in fact, put yourself at continually increased risk for a whole host of lifestyle diseases, including <a href="http://nurse-practitioners.advanceweb.com/Article/Much-More-Than-a-Nuisance.aspx" style="color: #c73737; margin: 0px; padding: 0px; text-decoration: none;" target="_blank" title=" Health Consequences of Sleep Disorders">obesity and diabetes</a>. The logical extension of this pattern? Numerous studies link partial sleep deprivation/disruption and <a href="http://www.ncbi.nlm.nih.gov/pmc/articles/PMC2276139/" style="color: #c73737; margin: 0px; padding: 0px; text-decoration: none;" target="_blank" title="A Prospective Study of Change in Sleep Duration: Associations with Mortality in the Whitehall II Cohort">increased mortality risk</a>!”</i></div>
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<span style="font-size: large;">LETS FACE IT! </span></div>
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You need sleep, and sleep needs you. Don't waist another restless night thinking that you can be a productive human being without it, because it is important. </div>
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Let's join together as conscious and healthy individuals to make a pact to tackle sleep. It's only natural. </div>
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<span style="font-size: x-large;">How long did you sleep last night?</span><br />
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Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com1tag:blogger.com,1999:blog-1486304713667977640.post-82191116354457713522013-12-09T08:16:00.000-08:002013-12-09T08:16:05.707-08:00Want to know the three stages of retirement planning? Find out here! <h2 style="text-align: center;">
<u><span style="color: #660000; font-family: Trebuchet MS, sans-serif; font-size: x-large;"><i>Three Phases of Retirement Planning</i></span></u></h2>
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<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span><span style="font-family: Arial, Helvetica, sans-serif;">A comfortable retirement is the reward for saving, managing assets and preparing during your working lifetime. It is about doing things you like and the ability to spend time with family, traveling, making a difference in your community by doing volunteer work, or even beginning a new career without the concern for the pay. In essence, it's about options with your life, and it is money that give you those options. </span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">To prepare for successful and comfortable retirement filled with options, it is important to understand and implement the basic retirement planning techniques found in the Three Phases of Retirement. </span></div>
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<span style="color: #660000; font-family: Trebuchet MS, sans-serif; font-size: x-large;"><i>1. Accumulation</i></span></div>
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<span style="color: #660000; font-family: Trebuchet MS, sans-serif; font-size: x-large;"><i>2. Asset Management </i></span></div>
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<span style="font-size: x-large;"><span style="color: #660000; font-family: Trebuchet MS, sans-serif;"><i>3. Distribution</i></span> </span></div>
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<span style="font-family: Trebuchet MS, sans-serif;"><span style="font-size: x-large;"><br /></span><span style="color: #073763; font-size: large;">One: Accumulation </span></span></h3>
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<span style="font-family: Arial, Helvetica, sans-serif;">A successful retirement plan begins with a commitment to start saving for retirement. If you begin young, time is on your side and even small amounts invested regularly can make a big difference. </span></div>
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<h3>
<span style="color: #073763; font-family: Trebuchet MS, sans-serif; font-size: large;">Two: Asset Management </span></h3>
<span style="font-family: Arial, Helvetica, sans-serif;">Once you have accumulated retirement assets, it is essential that you invest and manage your assets for optimum performance. </span><br />
<h3>
<span style="color: #073763; font-family: Trebuchet MS, sans-serif; font-size: large;">Three: Distribution</span></h3>
<span style="font-family: Arial, Helvetica, sans-serif;">Upon reaching retirement, comes the time of utilizing the assets you have accumulated and managed over the years. Care must be taken to maximize your return, minimize your risk and navigate the complex retirement distribution tax regulations. </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span><span style="font-family: Arial, Helvetica, sans-serif;"><b><span style="font-size: large;"><br /></span></b></span><span style="font-family: Arial, Helvetica, sans-serif;"><b><span style="font-size: large;">Professional Services </span></b></span><br />
<div>
<ul>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Retirement Planning</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Retirement Plan Distribution</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Financial Planning </span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Asset Management </span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Estate Transfer</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Investments</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Risk Management </span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Insurance</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Education Funding </span></li>
</ul>
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<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
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<div class="separator" style="clear: both; text-align: center;">
</div>
</div>
Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com2tag:blogger.com,1999:blog-1486304713667977640.post-34233799246963740342013-12-04T11:33:00.000-08:002013-12-04T11:33:16.937-08:00Teachers TRS and Social Security benefits <h2>
<span style="font-size: x-large;">Faculty, Teachers, Administrators, Staff, Employees finding out about your retirement plan </span></h2>
<div>
<br /></div>
<h3>
<span style="font-size: large;">What's the best way to figure out what amount of income you will need for retirement? </span></h3>
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All you have to do is go back to your first year in the public school system in Texas, and write down what your annual salary was. Then try to figure what your salary was every year or maybe every five years to the present. </div>
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For instance, if you made $34,000-50,000 dollars your first five years in public education, that is what you should project for retirement. This will take Maintaining the same level of income throughout your retirement will take some work and saving to do. </div>
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<br /></div>
<div>
Inflation or the cost of living is a major risk in retirement, and if you can remember you probably received salary increases while you were working. These salary increases were there to keep up with the increases at the grocery store, and all the rest of the purchases you and your family made. </div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjL4j2esU3uAuM6Fjtc7cMNqbCrjDYLAQW4r0SmJ0eXRqp3pnegKo2wMEwngLEG2PpZqBmzNgOlCGO2wEFFYiuyD0wt_AH9w-UvL2I_1UUL35gCAa1483PEBzEwyypXZsU5Y9N3qr1vCUvi/s1600/defined+benefits.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjL4j2esU3uAuM6Fjtc7cMNqbCrjDYLAQW4r0SmJ0eXRqp3pnegKo2wMEwngLEG2PpZqBmzNgOlCGO2wEFFYiuyD0wt_AH9w-UvL2I_1UUL35gCAa1483PEBzEwyypXZsU5Y9N3qr1vCUvi/s640/defined+benefits.jpg" width="640" /></a></div>
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<div>
In Texas, educators-teachers are under the <a href="http://www.trs.state.tx.us/" target="_blank">TRS retirement system</a> and for about 90% of all school districts, there is no Social Security. In a nutshell, the TRS is a <i><a href="http://www.investopedia.com/terms/d/definedbenefitpensionplan.asp" target="_blank">Defined Benefit Plan</a> </i>retirement system, which means when you retire and whatever option is elected, the monthly retirement income amount, stays the same. </div>
<div>
<br /></div>
<div>
<b>IN FACT, it is guaranteed to stay the same. </b>But "COLA" is not there and for many educators they find this out after they retire, which is not the time to find out. Most if not all Fortune 100 Corporations use to have the same type of retirement plan, 30 years ago. However, they all changed to the <i><a href="http://www.investopedia.com/terms/d/definedcontributionplan.asp" target="_blank">Defined Contributions Plan</a></i>, because they saw that the other retirement plan would not work for employees. </div>
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<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGgvCNBWHe5lMAQl9RTJ_NLNZ_tScLYI5AhWVYnCjJdniXm1NWRwLiDE1Pwx1K4GF1zKZW6V_Rr8WKimgeIHB8euSJep2RVz5LUQhA3HIgCeriTnXstbT48UxI1R1D0C9TVXjA_82twITz/s1600/db_vs_dc.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="450" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGgvCNBWHe5lMAQl9RTJ_NLNZ_tScLYI5AhWVYnCjJdniXm1NWRwLiDE1Pwx1K4GF1zKZW6V_Rr8WKimgeIHB8euSJep2RVz5LUQhA3HIgCeriTnXstbT48UxI1R1D0C9TVXjA_82twITz/s640/db_vs_dc.gif" width="640" /></a></div>
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<br /></div>
<div>
And if that wasn't enough, school officials and educators said 40 years ago, that since they had the TRS retirement system, that they didn't need social security. Instead they could contribute to their own private retirement plan (403b) and make more earnings and a larger retirement income than Social Security. Yes! that was possible, except that it was optional, and not mandatory like Social Security -- "forced savings." </div>
<div>
<br /></div>
<div>
Many educators did start to save into their private retirement plan, but Texas salaries to teachers don't leave much room for savings. </div>
<div>
And if the two decisions for educators retirement plan wasn't enough pain, the US Government and Social Security Administration put in an automatic "cost of living adjustment (COLA) into Social Security. Since salaries and years of service are the parts of the TRS retirement formula, <u>the first few years of the TRS retirement look alright</u>, <b>but after that educators suffered at least an average of 3% loss to inflation every year. </b>With the increase in longevity for all Americans it can be a very long and hard retirement lifestyle to live on. </div>
<div>
<br /></div>
<div>
<b>THE BEST OPTION </b>that a educator can implement as early as possible is to work on the goal of saving around </div>
Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com2tag:blogger.com,1999:blog-1486304713667977640.post-83974421614870593862013-12-03T14:37:00.001-08:002013-12-04T12:29:37.372-08:00How to get through finals while staying sane! <img src="http://bloximages.newyork1.vip.townnews.com/northernstar.info/content/tncms/assets/v3/editorial/4/99/49982f70-1c84-11e1-bc31-001a4bcf6878/4ed828a55f4be.image.jpg" style="color: #333333; font-family: Georgia, serif; font-size: 12px; line-height: 17px;" /><br />
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<div style="border: 0px; color: #333333; font-family: Georgia, serif; line-height: 17px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<h3>
<span style="font-size: large;">It finals week, and sometimes I find myself </span></h3>
<h3>
<span style="font-size: large;">recounting the golden days where I was a student in college. </span><span style="font-size: large;"><br /></span></h3>
<h3>
<span style="font-size: large;">However, during my time in college, and going through what I like to call the "the final massacre," I picked up a couple of studying tricks and methods to keep me centered and regulated. Here are some tips that have helped me through finals week:</span></h3>
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<br />
<ol style="border: 0px; color: #333333; font-family: Georgia, serif; line-height: 17px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 12px 1.5em; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="background-color: white;"><b>Accept your anxiety. </b></span><span style="background-color: white;"> Don't let your pre-final jitters get the best of you. You're going to be anxious, that's a given. </span><span style="background-color: white;">. Acknowledge that. Use it to your advantage— a little bit of nerves can be the best motivation to excel and focus your energy into productivity</span></li>
</ol>
<ol style="border: 0px; color: #333333; font-family: Georgia, serif; line-height: 17px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 12px 1.5em; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><b>Know the library</b><span style="background-color: white;">. At exam time, the library (my usual study spot) became infected with students. Every where you turn, there are kids cracking open their books and diving into their studies. However, many times the student body excess can be a huge distraction, and it would be better to know every inch of the library. So, you can find that one corner where no one goes to get some peace and quiet. </span></li>
</ol>
<ol style="border: 0px; color: #333333; font-family: Georgia, serif; line-height: 17px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 12px 1.5em; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="background-color: white;"><span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Sleep</span>. You need it. I know it is so easy to pull an all-nighter, and then refuel the next morning with a cup of coffee. In a desperate moment during my freshman year, I pulled an all-nighter to study for my "Accounting II" exam. Well, although, I had studied all night, that didn't matter to my alarm clock when it didn't go off the next morning and I woke up late to my exam. </span></li>
</ol>
<ol style="border: 0px; color: #333333; font-family: Georgia, serif; line-height: 17px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 12px 1.5em; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="background-color: white;"><b>Breathe</b>. This week can be hectic and truly exhausting. So to keep your brain circulated make sure you take to breathe. </span></li>
</ol>
<ol style="border: 0px; color: #333333; font-family: Georgia, serif; line-height: 17px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 12px 1.5em; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="background-color: white;"><span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Make <a href="http://collegelife.about.com/od/academics/g/DeadWeek.htm" style="border: 0px; color: #2261b0; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;" title="'Dead Week' on collegelife.about.com">dead week</a> <a href="http://blogs.wellsfargo.com/studentloandown/2007/04/10-tips-to-maintain-your-sanit/#disclaimer" style="border: 0px; color: #2261b0; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;"><img alt="Click here to learn about third-party website links" border="0" height="13" src="http://blogs.wellsfargo.com/studentloandown/wp-content/uploads/sites/9/2009/01/Link_Icon.gif" style="border: none; margin: 0px; padding: 0px; vertical-align: bottom;" title="Click here to learn about third-party website links" width="13" /></a> truly dead</span>. If you’re at a school that blesses you with a week (or even a day) of no classes in preparation for finals, use it! It’s always better to study over time rather than to cram. Don't get caught up in your next door neighbors kegger, and get your studying done. </span></li>
</ol>
<ol style="border: 0px; color: #333333; font-family: Georgia, serif; line-height: 17px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 12px 1.5em; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="background-color: white;"><span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Take a break. </span>You truly will go insane if you study nonstop, so take a 30-minute break every now and then to just chill. Take a walk with a friend, go to chick-fil-a, or call your mom and see how she is doing this week. </span></li>
</ol>
<ol style="border: 0px; color: #333333; font-family: Georgia, serif; line-height: 17px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 12px 1.5em; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="background-color: white;"><span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Grab a healthy snack. </span>Caffeine and sugar aren’t always the best options, and can leave you with a pretty bad sugar hangover. They’re good for a while, but then you crash. Grab an apple or a granola bar, and make sure you get the right nutrition. </span></li>
</ol>
<ol style="border: 0px; color: #333333; font-family: Georgia, serif; line-height: 17px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 12px 1.5em; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="background-color: white;"><span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Ignore the celebrating students. </span>It’s especially tough to stay motivated and keep studying when there are students who are already finished (and who keep reminding you that they’re done). Don’t get pulled in to their celebration. Stay focused on your studies—you’ll get your time to celebrate, too.</span></li>
</ol>
<ol style="border: 0px; color: #333333; font-family: Georgia, serif; line-height: 17px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 12px 1.5em; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="background-color: white;"><span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Double-check your final exam times</span>. Funny story for you. Well, not really funny then, but funny now. Junior year I missed my Finance final. It isn't fun, and I don't advise it. </span></li>
</ol>
<ol style="border: 0px; color: #333333; font-family: Georgia, serif; line-height: 17px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 12px 1.5em; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="background-color: white;"><b>Put down your cell phone. </b>It is hard to stay focused with a million little buzzing sounds ringing at your ear. Make sure you keep as many distractions away from you this week, and turn off your cell phone. I dare you. </span></li>
</ol>
<ol style="border: 0px; color: #333333; font-family: Georgia, serif; line-height: 17px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 12px 1.5em; padding: 0px; vertical-align: baseline;">
<li style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><b>Go crazy to stay sane</b>. Last year, one of my friends made a finals playlist and we kicked back and listened to it dancing and laughing. Just because you have to get serious doesn't mean you can't have a little down time full of fun and laughter.</li>
</ol>
Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com2tag:blogger.com,1999:blog-1486304713667977640.post-8607570217660788492012-09-04T09:19:00.001-07:002012-09-04T09:19:32.899-07:00Dr. Wolfman's Money Talk Radio Show 09/01 by rubenruiz | Blog Talk Radio<a href="http://www.blogtalkradio.com/rubenruiz/2012/09/01/dr-wolfmans-money-talk-radio-show#.UEYp_I0qMzM.blogger">Dr. Wolfman's Money Talk Radio Show 09/01 by rubenruiz | Blog Talk Radio</a> <object classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" codebase='http://download.adobe.com/pub/shockwave/cabs/flash/swflash.cab#version=9,0,0,0' width='210' height='105' name="274937" id="274937"><param name="movie" value="http://www.blogtalkradio.com/btrplayer.swf?file=http%3A%2F%2Fwww.blogtalkradio.com%2Frubenruiz%2F2012%2F09%2F01%2Fdr-wolfmans-money-talk-radio-show%2Fplaylist.xml&autostart=false&bufferlength=5&volume=80&corner=rounded&callback=http://www.blogtalkradio.com/flashplayercallback.aspx" /><param name="quality" value="high" /><param name="wmode" value="transparent" /><param name="menu" value="false" /><param name="allowScriptAccess" value="always" /><embed src="http://www.blogtalkradio.com/btrplayer.swf" flashvars="file=http%3A%2F%2Fwww.blogtalkradio.com%2Frubenruiz%2F2012%2F09%2F01%2Fdr-wolfmans-money-talk-radio-show%2fplaylist.xml&autostart=false&shuffle=false&callback=http://www.blogtalkradio.com/FlashPlayerCallback.aspx&width=210&height=105&volume=80&corner=rounded" width="210" height="105" type="application/x-shockwave-flash" pluginspage="http://www.macromedia.com/go/getflashplayer" quality="high" wmode="transparent" menu="false" name="274937" id="274937" allowScriptAccess="always"></embed></object><div style="font-size: 10px;text-align: center; width:220px;">Listen to <a href="http://www.blogtalkradio.com">internet radio</a> with <a href="http://www.blogtalkradio.com/rubenruiz">rubenruiz</a> on Blog Talk Radio</div>Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com0tag:blogger.com,1999:blog-1486304713667977640.post-33451690718377416482012-08-28T08:26:00.001-07:002012-08-28T08:26:53.029-07:00Episode 1 of Dr. Wolfman's Money Talk Show<object classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" codebase='http://download.adobe.com/pub/shockwave/cabs/flash/swflash.cab#version=9,0,0,0' width='210' height='105' name="274937" id="274937"><param name="movie" value="http://www.blogtalkradio.com/btrplayer.swf?file=http%3A%2F%2Fwww.blogtalkradio.com%2Frubenruiz%2F2012%2F08%2F25%2Fdr-wolfmans-money-talk-show%2Fplaylist.xml&autostart=false&bufferlength=5&volume=80&corner=rounded&callback=http://www.blogtalkradio.com/flashplayercallback.aspx" /><param name="quality" value="high" /><param name="wmode" value="transparent" /><param name="menu" value="false" /><param name="allowScriptAccess" value="always" /><embed src="http://www.blogtalkradio.com/btrplayer.swf" flashvars="file=http%3A%2F%2Fwww.blogtalkradio.com%2Frubenruiz%2F2012%2F08%2F25%2Fdr-wolfmans-money-talk-show%2fplaylist.xml&autostart=false&shuffle=false&callback=http://www.blogtalkradio.com/FlashPlayerCallback.aspx&width=210&height=105&volume=80&corner=rounded" width="210" height="105" type="application/x-shockwave-flash" pluginspage="http://www.macromedia.com/go/getflashplayer" quality="high" wmode="transparent" menu="false" name="274937" id="274937" allowScriptAccess="always"></embed></object><div style="font-size: 10px;text-align: center; width:220px;"> Listen to <a href="http://www.blogtalkradio.com">internet radio</a> with <a href="http://www.blogtalkradio.com/rubenruiz">rubenruiz</a> on Blog Talk Radio</div>Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com0tag:blogger.com,1999:blog-1486304713667977640.post-60027001176144794162012-08-21T11:21:00.002-07:002012-08-21T11:21:28.852-07:00Certified Public Accountant & Tax Professional Boot Camp
<br />
<div class="MsoNoSpacing">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">SAN
ANTONIO —Certified Public Accountant and Tax Professional Boot Camp to be held
Sept. 6 -7 at the Hilton San Antonio Airport Hotel.</span></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNoSpacing">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Money
Concepts International announces the new Transition Entry Program for CPAs and
tax professionals. The program can save the tax professional $7,000 in fees and
licensing expenses. The Business Transition Plan can provide them the
opportunity to make financial planning and wealth management a service to their
tax clients.<span style="mso-no-proof: yes;"> </span></span></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNoSpacing">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Speakers include </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Nick Hodges<b style="mso-bidi-font-weight: normal;">, <strong>CPA/PFS, MBA, CFP, CRFA</strong><span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">,</span></b><span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;"> Ursula Mentjes,
CEO, Ruben Ruiz, MSFS, RFC, ChFC, Ed Guerrero, CPA, Christopher J. Passero,
CPA, MA, </span>William Peterman<span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">, CPA, CFP, RFC and Alan Lockhart, CEO.</span></span></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNoSpacing">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Topics to be covered
include<i> providing more efficient methods to add financial services and
maintain the principles of tax practices and</i></span><strong><i style="mso-bidi-font-style: normal;"><span style="font-size: 12.0pt;"> </span></i></strong><i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">implementing the tax-financial services practice for profit,
tax-diversification is almost non-existent for the majority of tax clients,
using warm-based marketing questions to schedule financial planning meetings
with tax clients </span></i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">and<i> the transition of
converting clients to a fee-based asset management advisory practice and
increased revenue and family time.</i></span></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNoSpacing">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">There
are three models or turn-key business plans for the tax professionals and CPAs.
In addition to covering all three models, the speakers will disclose the three
types of industry models for running a successful practice.</span></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNoSpacing">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Money
Concepts wealth management and planning centers</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: Calibri;">
have a long tradition of helping clients build, manage, and protect their
wealth through financial planning and investment advisory services. </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Money Concepts International has been successfully servicing
independent financial professionals for over 30 years. Tax professionals may
visit </span><a href="http://www.moneyconceptstexas.com/"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">www.MoneyConceptsTexas.com</span></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;"> for more information.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;"></span></div>
Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com3tag:blogger.com,1999:blog-1486304713667977640.post-69118063427846822682012-08-21T11:20:00.001-07:002012-08-21T11:20:22.054-07:00Author and Certified Public Accountant to present at CPA and Tax Professional Boot-Camp
<br />
<div class="MsoNormal">
<span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">SAN ANTONIO — Author
and Certified Public Accountant (CPA) to present at CPA and Tax Professional
Boot-Camp at the Hilton San Antonio Airport Hotel Sept. 6-7. </span></div>
<div class="MsoNormal" style="margin-right: -13.5pt; mso-pagination: none;">
<br /></div>
<div class="MsoNormal" style="margin-right: -13.5pt; mso-pagination: none;">
Money
Concepts International announces the new Transition Entry Program for CPAs and
tax professionals. The program can save the tax professional $7,000 in fees and
licensing expenses. The Business Transition Plan can provide them the
opportunity to make financial planning and wealth management a service to their
tax clients.</div>
<div class="MsoNormal" style="margin-right: -13.5pt; mso-pagination: none;">
<span style="mso-no-proof: yes;"> </span></div>
<div class="lowertext">
<br /></div>
<div class="lowertext">
Nick Hodges<b style="mso-bidi-font-weight: normal;">, </b><strong><span style="font-weight: normal; mso-bidi-font-weight: bold;">CPA/PFS, MBA, CFP, author
of <i style="mso-bidi-font-style: normal;">The Lazy CPA</i>, will present on</span>
</strong><span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">providing
more efficient methods to add financial services and maintain the principles of
tax practices and</span><strong> </strong><span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">implementing the tax-financial services
practice for profit</span><strong>.</strong></div>
<div class="lowertext">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Hodges will present alongside Ursula Mentjes, CEO, Ruben Ruiz, MSFS,
RFC, ChFC, Ed Guerrero, CPA, William Peterman, CPA, CFP, RFC, Christopher J.
Passero, CPA, MA and Alan Lockhart, CEO. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Presentations include<i> the transition of converting clients to a
fee-based asset management, advisory practice and increased revenue and family
time, tax-diversification is almost non-existent for the majority of tax
clients, using warm-based marketing questions to schedule financial planning meetings
with tax clients </i>and<i> closing financial services on the first meeting
with tax clients.</i></span></div>
<div class="MsoNormal">
<br /></div>
<div class="lowertext">
Hodges’ innovative strategies program includes specialized
processes, management techniques, suites of services and customizable financial
programs. By providing these types of strategies to clients, it allows tax
professionals to not only capture all their assets but deepen their
relationship with them to a point that they are their sole financial solutions
provider. </div>
<div class="lowertext">
<br /></div>
<div class="MsoNormal">
Tired of sitting by and watching his tax clients receive
inadequate financial planning services from others, Hodges launched financial
services at his firm in 1996. Tireless in his pursuit to find the best services
for his clients, he systematically researched and perfected the best methods to
add financial services. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
In the midst of its implementation, his wife faced a major
health crisis that required his full involvement. A dedicated family man and professional,
Nick was unwilling to let the process languish while he attended to his
family’s needs. Faced with significant time constraints, he was forced to
establish more efficient methods that maintained his principles. The “Lazy CPA”
perspective was birthed during this time of need. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
After successfully weathering the family crisis while
maintaining the professional load, Nick realized that he created a new approach
that eliminated non-essential activities, maximized client service and generated
additional revenue – all with a minimum investment of his time and energy. The
result was happier clients, more family time and greater achievements. Nick now
shares with other accountants what he learned through seminars and books.</div>
<div class="MsoPlainText">
<br /></div>
<div class="MsoPlainText">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Money
Concepts wealth management and planning centers</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: Calibri;">
have a long tradition of helping clients build, manage, and protect their
wealth through financial planning and investment advisory services. </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Money Concepts International has been successfully servicing
independent financial professionals for over 30 years. Tax professionals may
visit </span><a href="http://www.moneyconceptstexas.com/"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-bidi;">www.MoneyConceptsTexas.com</span></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-bidi;"> for more information.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: Calibri;"></span></div>
Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com1tag:blogger.com,1999:blog-1486304713667977640.post-74719853591586562882012-08-21T11:18:00.004-07:002012-08-21T11:18:57.037-07:00No. 1 best-selling author and sales expert to present at CPA and Tax Professional Boot Camp
<br />
<div class="MsoNoSpacing">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">SAN ANTONIO — <span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">No. 1 best-selling
author and sales expert to present</span> at CPA (Certified Professional
Accountant) and Tax Professional Boot Camp Sept. 6 -7 at the Hilton San Antonio
Airport Hotel.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-right: -13.5pt; mso-pagination: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-right: -13.5pt; mso-pagination: none;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Money
Concepts International announces the new Transition Entry Program for CPAs and
tax professionals. The program can save the tax professional $7,000 in fees and
licensing expenses. The Business Transition Plan can provide them the
opportunity to make financial planning and wealth management a service to their
tax clients.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-right: -13.5pt; mso-pagination: none;">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>Ursula Mentjes, inspirational speaker, founder
of Sales Coach Now, author of <i>Selling with Intention</i> and <i>One Great
Goal</i> and a certified sales coach, specializes in Neuro<a href="http://www.blogger.com/blogger.g?blogID=1486304713667977640" name="1330f1e6feafbfd8__GoBack"></a>-Linguistic Programming to help clients
increase sales quickly. </span></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">Her presentation will help attendees
discover the selling with intention formula to increase sales, release fears
about selling, create an intentional schedule to sell more in less time and
understand how financial set-points prevent success.</span></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Honing
her skills at an international technical training company, where she began her
career in 1996, Mentjes increased sales by 90% in one year. In 2001, when the
company’s annual run was in the tens of millions, Mentjes advanced to the
position of president at 27 years old.</span></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Mentjes
serves as president elect of NAWBO-CA, on the Board of Inspire Life Skills, is
president of Business Resource Connection and is on the Advisory Council for
the Institute for Women Entrepreneurs.<span style="mso-spacerun: yes;">
</span>Mentjes is a recipient of the NAWBO-IE ANITA Award, 2007 and 2011 Spirit
of the Entrepreneur Awards Finalist and was featured on the talk show Exclusive
TV. </span></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Mentjes will present
alongside Nick Hodges, </span><strong><span style="font-size: 12.0pt; line-height: 115%;">CPA/PFS, MBA, CFP, </span></strong><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Ruben Ruiz, MSFS, RFC, ChFC, Ed Guerrero, CPA,
William Peterman, CPA, CFP, RFC, Christopher J. Passero, CPA, MA and Alan
Lockhart, CEO.</span></div>
<div class="MsoNormal" style="mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoPlainText">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Money
Concepts wealth management and planning centers</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: Calibri;">
have a long tradition of helping clients build, manage, and protect their
wealth through financial planning and investment advisory services. </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Money Concepts International has been successfully servicing
independent financial professionals for over 30 years. Tax professionals may
visit </span><a href="http://www.moneyconceptstexas.com/"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-bidi;">www.MoneyConceptsTexas.com</span></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-bidi;"> for more information.<b><i> </i></b></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: Calibri;"></span></div>
<div class="MsoNormal" style="line-height: normal;">
<br /></div>
Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com1tag:blogger.com,1999:blog-1486304713667977640.post-20729545024539419272012-08-21T11:17:00.002-07:002012-08-21T11:17:35.330-07:00Award-winning Author, Financial Advisor and CEO to present at CPA and Tax Professional Boot Camp
<br />
<div class="MsoNoSpacing">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">SAN
ANTONIO — <span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Award-winning
Author, Financial Advisor and CEO to present</span> at CPA and Tax Professional
Boot Camp Sept. 6 -7 at the Hilton San Antonio Airport Hotel.</span></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNormal" style="margin-right: -13.5pt; mso-pagination: none;">
Money
Concepts International announces the new Transition Entry Program for CPAs and
tax professionals. The program can save the tax professional $7,000 in fees and
licensing expenses. The Business Transition Plan can provide them the
opportunity to make financial planning and wealth management a service to their
tax clients.<span style="mso-no-proof: yes;"> </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Ruben Ruiz, MSFS, ChFC, RFC will speak at the boot-camp alongside </span>Nick
Hodges<b style="mso-bidi-font-weight: normal;">, </b><strong><span style="font-weight: normal; mso-bidi-font-weight: bold;">CPA/PFS, MBA, CFP, </span></strong><span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Ursula Mentjes,
CEO, </span>William Peterman<span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">, CPA, CFP, RFC<b><i>, </i></b>Ed Guerrero, CPA, Christopher J.
Passero, CPA, MA and Alan Lockhart, CEO. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Topics to be covered include<i> providing more efficient methods to add
financial services and maintain the principles of tax practices and</i></span><strong><i style="mso-bidi-font-style: normal;"> </i></strong><i><span style="mso-bidi-font-weight: bold;">implementing the tax-financial services practice for profit,
tax-diversification is almost non-existent for the majority of tax clients,
using warm-based marketing questions to schedule financial planning meetings
with tax clients, closing financial services on the first meeting with tax
clients </span></i><span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">and<i> the transition of converting clients to a fee-based asset
management advisory practice and increased revenue and family time.</i></span></div>
<div class="MsoNormal" style="mso-pagination: none;">
<br /></div>
<div class="MsoNormal" style="mso-pagination: none;">
Ruiz is President and CEO of The
Ruiz Financial Group, LLC and Regional Director of Money Concepts Financial
Planning Centers in San Marcos and San Antonio, Texas. Ruiz teaches, educates,
and provides consulting services to clients and associates in wealth management
and financial planning. Ruiz is one of a very few number of advisors (about 1%)
that has a Master’s of Science in Financial Services.</div>
<div class="MsoNormal" style="mso-pagination: none;">
<br /></div>
<div class="MsoNormal" style="mso-pagination: none;">
An avid speaker, Ruiz has spoken
to over 500 groups ranging from baby boomers and senior citizens to parents and
business owners, as well as educators, non-profit organizations, and corporate
employees on the topics of strategies to accumulate wealth, maximize their
tax-benefits, investment options, risk tolerance, and reaching their wealth and
financial independent goals.</div>
<div class="MsoNormal" style="mso-pagination: none;">
<br /></div>
<div class="MsoNormal" style="mso-pagination: none;">
A native of San Marcos, TX, he
holds a BBA in Marketing from Southwest Texas State University (now Texas State
University). He served as a member of the Texas State University Board on
Estate Planning and is a member of the University’s Alumni Association. </div>
<div class="MsoNormal" style="mso-pagination: none;">
<br /></div>
<div class="MsoNormal" style="mso-pagination: none;">
He received a Master of Science
degree in Financial Services (MSFS) from the American College (1928) in Bryn,
Mawr, PA. </div>
<div class="MsoNormal" style="mso-pagination: none;">
<br /></div>
<div class="MsoNormal" style="mso-pagination: none;">
Professional designations
throughout his financial career include the Chartered Financial Consultant
(ChFC), Chartered Life Underwriters (CLU) from the American College, and the
Registered Financial Consultant (RFC) designations. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoPlainText">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Money
Concepts wealth management and planning centers</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: Calibri;">
have a long tradition of helping clients build, manage, and protect their
wealth through financial planning and investment advisory services. </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Money Concepts International has been successfully servicing
independent financial professionals for over 30 years. Tax professionals may
visit </span><a href="http://www.moneyconceptstexas.com/"><span style="color: windowtext; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-bidi;">www.MoneyConceptsTexas.com</span></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-bidi;"> for more information.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: Calibri;"></span></div>
Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com0tag:blogger.com,1999:blog-1486304713667977640.post-51333764967879966962012-08-21T11:16:00.000-07:002012-08-21T11:16:46.437-07:00CPA and Tax Professional Boot-Camp in San Antonio
<br />
<div class="MsoNoSpacing">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">SAN ANTONIO — <span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Certified Public Accountant to present</span>
at CPA and Tax Professional Boot Camp Sept. 6 -7 at the Hilton San Antonio
Airport Hotel.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-right: -13.5pt; mso-pagination: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-right: -13.5pt; mso-pagination: none;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Money
Concepts International announces the new Transition Entry Program for CPAs and
tax professionals. The program can save the tax professional $7,000 in fees and
licensing expenses. The Business Transition Plan can provide them the
opportunity to make financial planning and wealth management a service to their
tax clients.<span style="mso-no-proof: yes;"> </span></span></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Christropher J.<span style="mso-spacerun: yes;"> </span>Passero, CPA,
MA,<b> </b>will present on <i>“closing financial services on the first meeting
with tax clients” </i>alongside </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Nick Hodges<b style="mso-bidi-font-weight: normal;">, </b><strong><span style="font-weight: normal; mso-bidi-font-weight: bold;">CPA/PFS, MBA, CFP, </span></strong><span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Ursula Mentjes, CEO, Ruben Ruiz, MSFS, RFC,
ChFC, Ed Guerrero, CPA, Alan Lockhart, CEO and </span>William Peterman<span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">, CPA, CFP, RFC. </span></span></div>
<div class="MsoNormal" style="line-height: normal;">
<br /></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Topics to be covered include<i> providing more efficient methods to add
financial services and maintain the principles of tax practices and</i></span><strong><i style="mso-bidi-font-style: normal;"><span style="font-size: 12.0pt;"> </span></i></strong><i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">implementing the tax-financial services practice for profit,
tax-diversification is almost non-existent for the majority of tax clients,
using warm-based marketing questions to schedule financial planning meetings
with tax clients </span></i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">and<i> the transition of
converting clients to a fee-based asset management advisory practice and
increased revenue and family time.</i></span></div>
<div class="MsoNormal" style="line-height: normal;">
<br /></div>
<div class="MsoNormal" style="line-height: normal;">
<strong><span style="font-size: 12.0pt; font-weight: normal; mso-bidi-font-weight: bold;">Passero</span></strong><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;"> is the
President of Passero Adams, Inc. and the Regional Vice President of Money
Concepts. He is one of Money Concepts' top financial planners and is
recognized for the outstanding client services he provides to his
clients. He graduated from West Virginia University with a Masters in Professional
Accountancy. To further his qualifications, he received his Certified
Public Accountant designation from the West Virginia Board of Accountancy in
1987.</span></div>
<div class="MsoNormal" style="line-height: normal;">
<br /></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Passero Adams Inc. takes personal
interest in each of their clients and works hard to develop strategies. As a
company that encompasses clients in 30 states, 90% of contacts are held in
person. Passero Adams Inc's primary advisor is a CPA and an investment advisor.
Passero Adams Inc's compassion is to provide absolutely the finest products and
services combined with flexibility to make recommendations that are in the
client’s best interest<i style="mso-bidi-font-style: normal;">. </i></span></div>
<div class="MsoNormal" style="line-height: normal;">
<br /></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;"><i style="mso-bidi-font-style: normal;"></i></span></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;"><i style="mso-bidi-font-style: normal;"></i></span></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;"><i style="mso-bidi-font-style: normal;"><span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;"></span></i></span></div>
<div class="MsoPlainText">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Money
Concepts wealth management and planning centers</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: Calibri;">
have a long tradition of helping clients build, manage, and protect their
wealth through financial planning and investment advisory services. </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Money Concepts International has been successfully servicing
independent financial professionals for over 30 years. Tax professionals may
visit </span><a href="http://www.moneyconceptstexas.com/"><span style="color: windowtext; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-bidi;">www.MoneyConceptsTexas.com</span></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-bidi;"> for more information.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: Calibri;"></span></div>
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Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com3tag:blogger.com,1999:blog-1486304713667977640.post-58263969232816001572012-08-21T11:13:00.003-07:002012-08-21T11:13:20.957-07:00CPA and Tax Professional Boot-Camp in San Antonio, Texas
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">SAN
ANTONIO — <span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Certified
Public Accountant to present</span> at CPA and Tax Professional Boot Camp Sept.
6 -7 at the Hilton San Antonio Airport Hotel.</span></div>
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<div class="MsoNormal" style="line-height: normal; margin-right: -13.5pt; mso-pagination: none;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Money Concepts International announces the new
Transition Entry Program for CPAs and tax professionals. The program can save
the tax professional $7,000 in fees and licensing expenses. The Business
Transition Plan can provide them the opportunity to make financial planning and
wealth management a service to their tax clients.<span style="mso-no-proof: yes;"> </span></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">William Peterman<span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">, CPA, CFP, RFC<b><i> </i></b>will <i>present
on the transition of converting clients to a fee-based asset management
advisory practice and increased revenue and family time</i>, alongside </span>Nick
Hodges<b style="mso-bidi-font-weight: normal;">, </b><strong><span style="font-weight: normal; mso-bidi-font-weight: bold;">CPA/PFS, MBA, CFP, </span></strong><span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Ursula Mentjes, CEO,
Ruben Ruiz, MSFS, RFC, ChFC, Ed Guerrero, CPA, Christopher J. Passero, CPA, MA
and Alan Lockhart, CEO,. </span></span></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Topics to be covered include<i> providing more efficient methods to add
financial services and maintain the principles of tax practices and</i></span><strong><i style="mso-bidi-font-style: normal;"><span style="font-size: 12.0pt;"> </span></i></strong><i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">implementing the tax-financial services practice for profit,
tax-diversification is almost non-existent for the majority of tax clients,
using warm-based marketing questions to schedule financial planning meetings
with tax clients </span></i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">and<i> closing financial
services on the first meeting with tax clients.</i></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Peterman<span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;"> </span>has been a
CPA for 30 years. Peterman earned a Bachelors of Science Degree in Accountancy
from Western Illinois University in 1980. Peterman earned many industry
designations including: Certified Public Accountant, Certified Financial
Planner and Registered Financial Consultant. Peterman holds FINRA Series 7, 24
& 66 licenses. He also holds a Life, Heath and Annuity licenses in the
state of Illinois and other states.</span></div>
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<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">For
the past 20 years, Mr. Peterman has been helping individuals in areas of
financial planning, investment planning and tax planning. In addition to working
with individual clients, he has been a national trainer and has taught numerous
seminars for the public on all areas of investment and financial planning.</span></div>
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<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Bill
became interested in Wealth Management and Financial Planning when he started
his CPA practice in 1998 after 15 years in the Banking industry. His goal was
to provide comprehensive financial planning services alongside his CPA
services, giving clients a “one stop shop” to all their financial services
needs. Through his affiliation with Money Concepts he is able to help
individuals and business owners, in a comprehensive way, by becoming their
complete wealth manager. </span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">“The
process of working directly with clients and small business owners is a great
passion of mine,” Peterman said. <span style="mso-spacerun: yes;"> </span><br />
<br />
What attracted me to Money Concepts was being able to have the opportunity to
serve my clients with a broad range of financial products that are
nonproprietary and the opportunity to own and operate my own business and build
a financial planning practice with multiple locations.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Money
Concepts wealth management and planning centers</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: Calibri;">
have a long tradition of helping clients build, manage, and protect their
wealth through financial planning and investment advisory services. </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Money Concepts International has been successfully servicing
independent financial professionals for over 30 years. Tax professionals may
visit </span><a href="http://www.moneyconceptstexas.com/"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-bidi;">www.MoneyConceptsTexas.com</span></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-bidi;"> for more information.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: Calibri;"></span></div>
Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com1tag:blogger.com,1999:blog-1486304713667977640.post-60571182857132089672012-08-13T10:05:00.001-07:002012-08-13T10:05:42.765-07:00<div class="separator" style="clear: both; text-align: center;">
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<br />Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com0tag:blogger.com,1999:blog-1486304713667977640.post-60115003141336462902012-07-31T11:57:00.001-07:002012-07-31T11:57:05.739-07:00Financial Bootcamp in San Antonio, Texas September 7-8, 2012<iframe allowfullscreen="" frameborder="0" height="270" src="http://www.youtube.com/embed/ri_Iujy0DlA?fs=1" width="480"></iframe>Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com0tag:blogger.com,1999:blog-1486304713667977640.post-34980334192567044212012-06-22T13:37:00.001-07:002012-06-22T13:37:10.846-07:00Financial Education Boot-Camp<!--[if gte mso 9]><xml>
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<span style="color: #365f91; font-family: "Tahoma","sans-serif"; font-size: 24.0pt; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;">Financial Education Boot-Camp</span></div>
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<br /></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 14.0pt; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">If you don’t take the
time to learn the money-making “auto-system” you will never create the amount
of wealth or net-worth you truly desire!</span></div>
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<br /></div>
<h4 style="margin-bottom: .0001pt; margin-bottom: 0in; mso-pagination: none;">
<span style="color: black; font-family: "Tahoma","sans-serif"; font-size: 12.0pt; line-height: 118%; mso-bidi-font-weight: bold;"> </span></h4>
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<span style="color: black; font-family: "Tahoma","sans-serif"; font-size: 12.0pt; line-height: 118%; mso-bidi-font-weight: bold;">Friday, September 7<sup>th</sup>, 7 a.m.
to 7 p.m.</span></h4>
<h4 style="margin-bottom: .0001pt; margin-bottom: 0in; mso-pagination: none;">
<span style="color: black; font-family: "Tahoma","sans-serif"; font-size: 12.0pt; line-height: 118%; mso-bidi-font-weight: bold;">Saturday, September 8<sup>th</sup>, 8
a.m. to 5 p.m.</span></h4>
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<span style="font-family: "Tahoma","sans-serif"; mso-bidi-font-weight: bold;">Hilton San Antonio Airport<span style="color: black;"></span></span></div>
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<span style="font-family: "Tahoma","sans-serif"; mso-bidi-font-weight: bold;">611 Northwest Loop 410</span></div>
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<span style="font-family: "Tahoma","sans-serif"; mso-bidi-font-weight: bold;">San Antonio, TX 78216</span></div>
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<br /></div>
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<br /></div>
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<span style="color: #034285; font-family: "Tahoma","sans-serif"; font-size: 24.0pt; font-weight: normal; mso-fareast-font-family: "Times New Roman";">Special
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<div style="margin-bottom: 7.5pt; margin-left: 0in; margin-right: 0in; margin-top: 0in;">
<span style="color: #3d4448; font-family: "Tahoma","sans-serif";">Buy <b><i>The Richest
Latino in America</i></b> and <b><i>The One-Hour Hispanic Millionaire </i></b><span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">for:</span></span><span style="color: #3d4448; font-family: "Tahoma","sans-serif"; font-size: 10.0pt;"></span></div>
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<b><span style="color: #3d4448; font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><br clear="all" style="mso-break-type: section-break; page-break-before: auto;" />
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<b><span style="color: #3d4448; font-family: "Tahoma","sans-serif";">$19.95 each!</span></b><span style="color: #3d4448; font-family: "Tahoma","sans-serif"; font-size: 10.0pt;"> </span><b><i><span style="color: #3d4448; font-family: "Tahoma","sans-serif";">OR</span></i></b><span style="color: #3d4448; font-family: "Tahoma","sans-serif"; font-size: 10.0pt;"></span></div>
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<b><span style="color: #3d4448; font-family: "Tahoma","sans-serif";">2 for $29.95!</span></b><span style="color: #3d4448; font-family: "Tahoma","sans-serif"; font-size: 10.0pt;"></span></div>
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<b><span style="color: #3d4448; font-family: "Tahoma","sans-serif";">Purchase now at </span></b><a href="http://www.rubenruiz.net/"><b><span style="font-family: "Tahoma","sans-serif";">www.rubenruiz.net</span></b></a><span style="color: #3d4448; font-family: "Tahoma","sans-serif"; font-size: 10.0pt;"></span></div>
<div style="margin-bottom: 7.5pt; margin-left: 0in; margin-right: 0in; margin-top: 0in;">
<br /></div>
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<b><i><span style="color: #3d4448; font-family: "Tahoma","sans-serif";">OR</span></i></b><span style="color: #3d4448; font-family: "Tahoma","sans-serif"; font-size: 10.0pt;"> </span></div>
<div style="margin-bottom: 7.5pt; margin-left: 0in; margin-right: 0in; margin-top: 0in;">
<br /></div>
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<b><span style="color: #3d4448; font-family: "Tahoma","sans-serif";">Get them BOTH for FREE,
plus a BONUS 100 page workbook, when you register for The Boot-Camp! </span></b></div>
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<b><i><span style="color: #3d4448; font-family: "Tahoma","sans-serif";">AND</span></i></b><span style="color: #3d4448; font-family: "Tahoma","sans-serif"; font-size: 10.0pt;"> </span><b><span style="color: #3d4448; font-family: "Tahoma","sans-serif";">Get $100 off when you purchase your ticket by July 31st! </span></b></div>
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<b><span style="color: #3d4448; font-family: "Tahoma","sans-serif";">Register now at </span></b><a href="http://www.ruizfinancialgroup.com/SAbootcamp/"><span style="font-family: "Tahoma","sans-serif";">http://www.ruizfinancialgroup.com/SAbootcamp/</span></a><span style="font-family: "Tahoma","sans-serif";"> </span></div>
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<a href="http://www.rubenruiz.net/SAbootcamp/"><span style="font-family: "Tahoma","sans-serif";">http://www.rubenruiz.net/SAbootcamp/</span></a><span style="font-family: "Tahoma","sans-serif";"> </span></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt;">How much income and
asset accumulation do you have today? If you continue to do what you are doing,
what will be your financial net-worth be in 5 years? 20 years? How much did you
spend for college or job education? Did that education teach you how to produce
10—100x what you paid for? Here is a mindset secret: the wealthy know that you
have to invest in your training or you will never learn how to create wealth.
We will teach you everything from A—Z, on building your net-worth one step at a
time, covering topics such as:</span></div>
<div class="MsoNormal">
<br /></div>
</div>
<b><i><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><br clear="all" style="mso-break-type: section-break; page-break-before: auto;" />
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</span></span></span><b><i><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-themecolor: accent1; mso-themeshade: 191;">The Stock Market</span></i></b><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;"></span></div>
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</span></span></span><b><i><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-themecolor: accent1; mso-themeshade: 191;">Real Estate</span></i></b><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;"></span></div>
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</span></span></span><b><i><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-themecolor: accent1; mso-themeshade: 191;">IRS Approved Tax Plans</span></i></b><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;"></span></div>
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<span style="color: #365f91; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol; mso-themecolor: accent1; mso-themeshade: 191;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b><i><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-themecolor: accent1; mso-themeshade: 191;">Business Ownership</span></i></b><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;"></span></div>
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<span style="color: #365f91; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol; mso-themecolor: accent1; mso-themeshade: 191;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b><i><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-themecolor: accent1; mso-themeshade: 191;">Multiple Income
Sources</span></i></b><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .25in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: #365f91; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol; mso-themecolor: accent1; mso-themeshade: 191;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b><i><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-themecolor: accent1; mso-themeshade: 191;">Internet Income</span></i></b><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;"></span></div>
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<span style="color: #365f91; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol; mso-themecolor: accent1; mso-themeshade: 191;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b><i><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-themecolor: accent1; mso-themeshade: 191;">How to Sell Any
Product or Service</span></i></b><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;"></span></div>
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</span></span></span><b><i><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-themecolor: accent1; mso-themeshade: 191;">Invest your
Tax-Savings</span></i></b><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;"></span></div>
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</span></span></span><b><i><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-themecolor: accent1; mso-themeshade: 191;">Cash Flow Money
Management</span></i></b><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;"></span></div>
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</span></span></span><b><i><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-themecolor: accent1; mso-themeshade: 191;">Starting at Zero
Net-Worth</span></i></b><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;"></span></div>
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</span></span></span><b><i><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-themecolor: accent1; mso-themeshade: 191;">Social Media Marketing</span></i></b><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;"></span></div>
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</span></span></span><b><i><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-themecolor: accent1; mso-themeshade: 191;">Author your Own Book
in 30 Days</span></i></b><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;"></span></div>
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</span></span></span><b><i><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-themecolor: accent1; mso-themeshade: 191;">Increase your Leads
and Clients</span></i></b><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .25in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: #365f91; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol; mso-themecolor: accent1; mso-themeshade: 191;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b><i><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-themecolor: accent1; mso-themeshade: 191;">Making Money with
Amazon</span></i></b><span style="color: #365f91; font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold; mso-themecolor: accent1; mso-themeshade: 191;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 2.25in; mso-add-space: auto;">
<br /></div>
</div>
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</span>
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<br /></div>
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<br /></div>
<div class="MsoNormal" style="mso-pagination: none;">
<span style="font-family: "Tahoma","sans-serif";">Ruben
Ruiz, Award-Winning Author, Financial Coach and CEO, will be presenting the 1<sup>st</sup>
Financial Boot-Camp in the USA. Ruiz conducts several financial education
courses for employer groups as an employee benefit and to organizations. He has
been a Financial Advisor for over 25 years and has BBA from Texas State
University (SWT), a Masters in Financial Services and several designations. He
authored several books, and his next book, ‘My Financial Blueprint’, will be
ready at the Boot-Camp.</span></div>
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<br /></div>
<div class="MsoNormal" style="mso-pagination: none;">
<span style="font-family: "Tahoma","sans-serif";">One
of our expert speakers, Ursula Mentjes, The Founder of Sales Coach Now as well
as an inspirational speaker, author of <i>Selling with Intention</i> and <i>One
Great Goal</i> and a Certified Sales Coach – <span style="mso-spacerun: yes;"> </span>specializes in Neuro-Linguistic Programming to
help clients double and triple their sales FAST. Mentjes will transform the way
you think about selling so you can reach your goals with less anxiety and less
effort!</span></div>
<div class="MsoNormal" style="mso-pagination: none;">
<br /></div>
<div class="MsoNormal" style="mso-pagination: none;">
<span style="font-family: "Tahoma","sans-serif";">Honing
her skills at an international technical training company, where she began her
career in 1996, Ursula increased sales by 90% in just one year! In 2001, when
the company’s annual run was in the tens of millions, Ursula advanced to the
position of President at just 27 years old. Sales guru Brian Tracy endorsed
Selling with Intention saying, <i>“This powerful, practical book shows you how
to connect with customers by fully understanding the sales process from the
inside out. It really works!” </i></span></div>
<div class="MsoNormal" style="mso-pagination: none;">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">This boot-camp is not based on get-rich-quick
schemes that lead quickly to failure. It is based on tried and true wealth
strategies that finance professionals have been using for years—and they have
the paychecks to prove it. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Many business owners and professionals are
uneducated on how to build net-worth correctly. Thus, they try to take short
cuts and leave out important steps because they do not understand correctly.
The <i>majority of Americans do not know how to accumulate wealth or net-worth,</i>
because <i>they never learned how from anyone</i>; not their parents,
grandparents, friends, co-workers, teachers, professors or anyone else on the
streets. </span></div>
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<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">This means that every day, people make
financial decisions that are <i>hurtful to their credit, business, income and
net-worth </i>— but worst of all — to <i>their families</i>. Unfortunately,
most people are unaware that they are even making bad decisions. This includes
people with college degrees. Even Certified Professional Accounts don’t know
how to do it all!</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">It’s time to learn how once and for all. <i>Yes,
once and for all!</i> We will teach you all of the steps you need to know to
become wealthy. After that, you must implement the steps and you’ll be on your
way to success. When you learn something important, such as wealth creation, it
becomes locked in your brain. It’s like learning to ride your bike or tie your
shoes for the first time. Once you learn how to do it, you don’t even have to
think about it; you just do it automatically. All you need to do is initiate
the right mindset. <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Building wealth is like making an Excel sheet.
You can’t make one unless you have the Excel software and you know how to use
it. All you need to do build wealth is input the right software in your “computer-brain”
and learn how to use it. Every year, you need to do the steps we will teach you
to increase your wealth and net-worth. By the same token, every year that you
miss these steps can cost you a <i>fortune</i>, which you will <i>never</i>
make up, <i>unless you learn how</i>. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">This boot-camp is the result of two years of planning
and preparation by expert financial consultants<i>.</i> Attending this workshop
will be the best— and cheapest — investment you’ll ever make in your lifetime. You
can make 100x or even 1000x return as long as you implement the steps we teach
you. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">It costs less than a college course and only
takes 2 days instead of an entire semester. You can make more money with the
knowledge from this boot-camp, than with a college degree. We need more
financially independent Americans to move this country in the right direction. All
Americans deserve to enjoy the freedom of wealth. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Tahoma","sans-serif"; mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">Seats are <i>limited </i>to 300 participants. Do
not procrastinate to purchase your ticket, because this event <i>will</i> sell
out quickly. </span></div>
<div class="MsoNormal">
<br /></div>Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com0tag:blogger.com,1999:blog-1486304713667977640.post-10330616435253413642012-06-13T09:09:00.001-07:002012-06-13T09:09:03.058-07:00Free Millionaire Webinar June 16, 2012<a href="http://working-from-home-health-marketing-system.com/blog/events/free-millionaire-webinar-june-16-2012/#.T9i7F_m3jho.blogger">Free Millionaire Webinar June 16, 2012</a>Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com0tag:blogger.com,1999:blog-1486304713667977640.post-32202011208944104102012-05-29T13:16:00.002-07:002012-05-29T13:16:39.732-07:00Financial Planner Teaches Latinos How to Create Wealth<!--[if gte mso 9]><xml>
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<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyNQlC1jN5EpJsmNuznrm0dJ2SyBrGj8qLHMmFglu1HJWkpjVDCqGJIYPIwR5Jp9DzIUlWXvd9MbrWaAeR9FJU2ruANOjK20T5nimtmrl4lE-PLBtNV3cRpWiy1gokjhO4oJS10DSriBU/s1600/AMBFH2.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyNQlC1jN5EpJsmNuznrm0dJ2SyBrGj8qLHMmFglu1HJWkpjVDCqGJIYPIwR5Jp9DzIUlWXvd9MbrWaAeR9FJU2ruANOjK20T5nimtmrl4lE-PLBtNV3cRpWiy1gokjhO4oJS10DSriBU/s320/AMBFH2.jpg" width="320" /></a></div>
<div class="MsoNoSpacing">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Ruben
Ruiz, award-winning financial strategist and author, makes it his mission to
help Hispanics create wealth and become financially independent. At a time when
the Hispanic community is growing fast, encouragement and support are needed
more than ever. </span></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNoSpacing">
<span class="style16"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Ruiz concentrated on the Hispanic market
in the greater San Antonio area, for more than 3 decades, teaching clients how
to go about establishing a sound financial foundation, then building upon it to
amass wealth. Still, he saw few Hispanic millionaires compared with the much
larger numbers of Anglo millionaires.</span></span></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: Calibri;">According
to the Pew Hispanic Center, Hispanic households have less than 10 cents for
every dollar in wealth owned by White households. In fact, even the wealthiest
5% of Hispanic households have a net worth that is less than 1/2 of the net
worth of comparably placed White households.</span></div>
<div class="MsoNormal" style="line-height: normal;">
<br /></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;"><span class="style16"></span></span></div>
<div class="MsoNoSpacing">
<span class="style16"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">"Most Hispanics are second
generation, born in the USA," Ruiz said. "If you’re not quite middle
income, any discussions of money are based on being broke, being poor or it
being a struggle. If we are brought up that way, that’s how we perceive
wealth." </span></span></div>
<div class="MsoNoSpacing">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;"><br />
<span class="style16">In fact, in a new National Council of La Raza report
released in December 2005, almost half the national Hispanic population - about
20 million people - has not opened a basic bank account. Ruiz points to 2001
U.S. Census figures showing that a married Hispanic American family’s median
income was about $40,000, while their Anglo counterpart’s annual income was
about $60,000 - almost 50 percent more. </span><br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
<span class="style16"></span></span></div>
<div class="MsoNoSpacing">
<span class="style16"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">"About 98 percent of my clients are
Hispanics from all different income and net worth levels,” Ruiz said. “I saw
what was happening. I wanted to get the middle-income clients to quit thinking
they’d reached their top goal. We have been brought up to reach Middle America
and you’re set. You don’t have to think about or do anything else. You have
arrived. And that’s not true.</span></span></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNoSpacing">
<span class="style16"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">“I wanted to motivate them to go to the
next level," </span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Ruiz
said. “The aim of my services is to encourage Latinos to be financially
independent and to realize that wealth is attainable for everyone with the
right planning. What Latinos need and want more passionately than anything else
for building wealth is a structured plan.”</span></div>
<div class="MsoNoSpacing">
<br /></div>
<div class="MsoNoSpacing">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Anyone
can become wealthy, if they know the steps they need to take to effectively
increase their net worth, and to find someone able to teach these steps. There
are no real ethnic or cultural barriers to financial success, only those you
create yourself or allow others to create for you. You can learn how to become
wealthy and create your own blueprint. But you must always remember: “<i style="mso-bidi-font-style: normal;">The final discrimination fight will be with
your own mindset.”</i></span></div>Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com0tag:blogger.com,1999:blog-1486304713667977640.post-75553750467369598152012-05-29T12:39:00.002-07:002012-05-29T12:41:25.449-07:00Financial Planner Writes Books as a Marketing Tool<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJUtwhbXIBDUZEIXXI4ZcmSitp5u38vBZ90STdOREk7Z3uRp1L2qdhs9BZvF6S-RVLFT_jpf6NhoXyyJmgdf23XQafufKTSYc-YqMLfBV3ZOw-YqK9GIWfQXbhhTjE1WtTLOqXPZ-JsKs/s1600/books.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJUtwhbXIBDUZEIXXI4ZcmSitp5u38vBZ90STdOREk7Z3uRp1L2qdhs9BZvF6S-RVLFT_jpf6NhoXyyJmgdf23XQafufKTSYc-YqMLfBV3ZOw-YqK9GIWfQXbhhTjE1WtTLOqXPZ-JsKs/s400/books.JPG" width="400" /></a></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Ruben Ruiz, CEO, financial
strategist and adviser, is releasing three new books in English and Spanish, to
help market his financial planning business and attract new clients. His books
provide Americans with insightful and easy to understand steps to reach
financial stability, while at the same time entertaining with a clever dialogue
and memorable characters. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Many
of the financial self-help texts currently on the market are so complex and
uninspiring that Americans find themselves struggling to read from one cover to
another, and they lose interest long before they’ve been able to successfully
implement the techniques they teach. </span><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Ruiz saw the need in the market for
appealing financial texts and responded to it by writing three books packed
with practical insight on a variety of wealth-building tools and techniques,
which include <i style="mso-bidi-font-style: normal;">The Richest Latino in
America</i>, <i style="mso-bidi-font-style: normal;">The One-Hour Hispanic
Millionaire</i> and <i style="mso-bidi-font-style: normal;">My Own Money
Blueprint. </i></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Ruiz
puts dry, boring texts firmly in the past where they belong with his new book, <i style="mso-bidi-font-style: normal;">The Richest Latino in America</i>. The book offers
Americans the opportunity to learn how to build an unlimited amount of wealth
without having to thumb through pages of facts and statistics better suited for
a college classroom. <i style="mso-bidi-font-style: normal;">The Richest Latino</i>
holds the reader’s attention by taking the information and making it into a
story. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The
novella uses clever dialogue and memorable characters to teach readers the
Seven Miracles of Wealth Creation, a wealth building plan so simple that anyone
can implement it, regardless of their level of education, and so effective that
they will begin to generate results within a matter of weeks-guaranteed. These
secrets of the Seven Miracles are explained in a fun, easy to understand manner
that makes implementing them in real life scenarios a piece of cake.</span><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Ruiz provides Hispanics with a
“Bible of Knowledge” on how to create their own financial blueprint for
reinventing your lifestyle and bank account in <i style="mso-bidi-font-style: normal;">The One-Hour Hispanic Millionaire</i>. He explains that by setting
aside one hour a week to focus on your “Millionaire Goal” you can set in motion
a chain of financial events that can change your life forever.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-pagination: none;">
<i style="mso-bidi-font-style: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">My Own Money
Blueprint </span></i><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">provides
readers with the tools to gain financial security, peace of</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-pagination: none;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">mind
and an independent lifestyle by learning the 12 models that make up your “Own
Money</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-pagination: none; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Blueprint.”</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> “</span><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">The aim of the books is to encourage Americans to be financially
independent and to realize that wealth is attainable for everyone with the
right planning.</span><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">
But to get to that wealth, all Americans will have to engineer a structured blueprint
or plan to turn their most precious asset that they have, their paycheck, into
assets, savings accounts, investment accounts and so forth,” said Ruiz. “These
books can be a resource to build that structured blueprint of turning a
paycheck into wealth.”</span><br />
</div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">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 <i style="mso-bidi-font-style: normal;">Rich Dad, Poor Dad,</i>
the “model form” to motivate the writing of his financial self-help books. </span><br />
</div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Ruben
and his company, W&M Publishing, will start a new national distribution all
four books carried by amazon.com and his own book website, rubenruiz.net. Ruiz
is in the process to place books on all book websites, national book
subscriptions and retail stores.</span></div>Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com1tag:blogger.com,1999:blog-1486304713667977640.post-14288024341385925122012-05-28T07:33:00.003-07:002012-05-28T07:33:08.255-07:00Ruiz Makes Presentation About Tax Risk for Baby Boomers<h3>
<a class="url entry-title" href="http://www.sanmarcosrecord.com/local/x1561291492/Ruiz-makes-presentation-about-tax-risks-for-boomers" rel="bookmark">Ruiz makes presentation about tax risks for boomers</a>
</h3>
<div class="story_meta">
<span class="author vcard">
<span class="story_credit fn"> </span>
</span>
<span class="source-org vcard story_source">
<a href="http://www.sanmarcosrecord.com/" style="color: black;"> </a>
</span>
</div>
San Marcos —
Ruben Ruiz, local author and CEO of the Ruiz Financial Group, LLC and
Money Concepts, recently presented at the National Group Conference, at
the Fairmont Orchard Hotel on the big island of Kona, Hawaii.<br /><br />
Ruiz, who is a native San Marcan, SWT alumni (Texas State) and a
distinguished San Marcos alumnus, presented on, “Tax Risks in Retirement
for Boomers.”<br /><br />
There are 105 million baby boomers (age 47-65) that face unplanned tax
risk. While many boomers are aware of investment risk, they have not
thought about how increases in taxes will affect their retirement
income, Ruiz said. <br /><br />
“Planning retirement today is planning for a long retirement because of
our longevity. Not only is the type of investment a risk, but also the
future increases in taxes,” he said.<br /><br />
“Currently we see an increase in federal income taxes, but there can be
others, simply because of the deficit and ordinary inflation. One
should also plan for increases in property taxes, sales tax, gasoline
tax and the other assortment of taxes that can cut a retiree's monthly
budget in half,” Ruiz said.<br /><br />
Since most Americans have the largest part of their retirement
investments in 401k's, 403b's and IRA plans, they will pay a higher
income tax when they begin withdrawing, even if they are in a lower
tax-bracket, Ruiz said.<br /><br />
“Most baby boomers invested in retirement plans because it was a great
tax break on their deposits and were convinced that when they started to
withdraw their funds, they would be in a lower tax bracket; a win-win
goal. Now it looks like win-lose,” he said.<br /><br />
Ruiz urges the National Group Advisors from all over the U.S. to visit
with their clients now to discuss their potential retirement problem and
to diversify their tax income into a higher percentage of tax-free
plans, and investments with capital gains tax, and not ordinary tax
liability.<br /><br />
Agents that qualified to attend came from almost all of the 50 states.
The National Group, based out of Montpelier, Vt., is a leader in 403b
and annuities for teachers and public school employees.<br /><br />
Money Concepts centers have a long tradition of helping clients build,
manage and protect their wealth through financial planning and
investment advisory services.Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com0tag:blogger.com,1999:blog-1486304713667977640.post-45602545761321568302012-05-21T07:39:00.001-07:002012-05-21T07:39:51.564-07:00Wanted Part-Time Retired Teacher/Administrator in San Antonio, Texas<br />
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 13px; line-height: 18px;">
Wanted Part-Time Retired Teacher/Administrator that retired in 2011 or in 2012 from NSISD, NEISD or SAISD. </div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 13px; line-height: 18px;">
20 hours per week and very flexible for educator to plan trips or for holidays. </div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 13px; line-height: 18px;">
The position will office in the Jefferson Building in San Antonio, Texas.</div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 13px; line-height: 18px;">
Send one page resume to schedule interview.</div>
<div style="background-color: white; font-family: Arial, sans-serif; font-size: 13px; line-height: 18px;">
Fax resume to 208-279-1073 or email to rruiz@grandecom.net</div>
<br class="Apple-interchange-newline" />Anonymoushttp://www.blogger.com/profile/14673211785230282090noreply@blogger.com0tag:blogger.com,1999:blog-1486304713667977640.post-62753092665187978932012-04-10T11:17:00.002-07:002012-04-10T11:17:27.730-07:0010 Tips on how to pay for college<br />
<h2 style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: Arial; font-size: 2.8em; line-height: 1.2; margin-bottom: 0.5em; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<a href="http://nbclatino.tumblr.com/post/20490195619/10-tips-on-how-to-pay-for-college" style="border-bottom-style: none; border-color: initial; border-image: initial; border-left-style: none; border-right-style: none; border-style: initial; border-top-style: none; border-width: initial; color: #666666; font-family: inherit; font-size: 28px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;">10 Tips on how to pay for college</a></h2>
<div style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #535353; font-family: Arial, Georgia, Cambria, Times, serif; font-size: 1.3em; line-height: 1.6; margin-bottom: 1em; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<img src="http://media.tumblr.com/tumblr_m1z8a6x3mU1r1767o.jpg" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 13px; font-style: inherit; height: auto; margin-bottom: 0.5em; margin-left: 0px; margin-right: 0px; margin-top: 0.5em; max-width: 100%; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;" /></div>
<div style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #535353; font-family: Arial, Georgia, Cambria, Times, serif; font-size: 1.3em; line-height: 1.6; margin-bottom: 1em; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 13px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">(Photo/Iconica)</em></div>
<div class="MsoPlainText" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #535353; font-family: Arial, Georgia, Cambria, Times, serif; font-size: 1.3em; line-height: 1.6; margin-bottom: 1em; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
Award-winning financial strategist, advisor, and father, <a href="http://www.rubenruiz.net/about.html" style="border-bottom-color: rgb(204, 204, 204); border-bottom-style: solid; border-bottom-width: 1px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #c79935; font-family: inherit; font-size: 13px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;" target="_blank">Ruben Ruiz</a>, knows a thing or two about saving for college.</div>
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The following are the most important tips he says to follow in order to save for college.</div>
<div class="MsoPlainText" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #535353; font-family: Arial, Georgia, Cambria, Times, serif; font-size: 1.3em; line-height: 1.6; margin-bottom: 1em; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-family: inherit; font-size: 13px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">1. Planning</strong> - This is the secret. If you don’t do this one, then there is no need for the other nine tips, because nothing will happen. More than 90 percent of parents want their kids to go to college, but they simply don’t plan, because it’s boring and it’s easily put off until tomorrow or five years from now, they wait for the counselors to tell them what to do…</div>
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To make things less overwhelming, start with this: dedicate one hour a year from age 0 to age 5, one hour every three months from age 6 to 10, one hour a month from age 11 to 16, one hour a week from age 16 (or a junior in high school) till enrolled and college is paid.</div>
<div class="MsoPlainText" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #535353; font-family: Arial, Georgia, Cambria, Times, serif; font-size: 1.3em; line-height: 1.6; margin-bottom: 1em; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-family: inherit; font-size: 13px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">2. Set up a savings account</strong> - Start putting in $25, $50, $100, or 1 percent or 3 percent of your monthly income away. What’s important is to save monthly and create a savings habit.</div>
<div class="MsoPlainText" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #535353; font-family: Arial, Georgia, Cambria, Times, serif; font-size: 1.3em; line-height: 1.6; margin-bottom: 1em; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-family: inherit; font-size: 13px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">3. Select other savings accounts</strong> - Choose from 529 plans, bonds, mutual funds, life insurance, and cash value plans.</div>
<div class="MsoPlainText" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #535353; font-family: Arial, Georgia, Cambria, Times, serif; font-size: 1.3em; line-height: 1.6; margin-bottom: 1em; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-family: inherit; font-size: 13px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">4. Set up an income/expense cash flow</strong> - Keep track of where your money is going for the household, every month.</div>
<div class="MsoPlainText" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #535353; font-family: Arial, Georgia, Cambria, Times, serif; font-size: 1.3em; line-height: 1.6; margin-bottom: 1em; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-family: inherit; font-size: 13px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">5. Create a college monthly income/expense projection</strong> - Estimate the cost of college once a year, until child enrolls.</div>
<div class="MsoPlainText" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #535353; font-family: Arial, Georgia, Cambria, Times, serif; font-size: 1.3em; line-height: 1.6; margin-bottom: 1em; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-family: inherit; font-size: 13px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">6. Create a balance sheet</strong> - Do this for the whole family, as well as one for college. </div>
<div class="MsoPlainText" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #535353; font-family: Arial, Georgia, Cambria, Times, serif; font-size: 1.3em; line-height: 1.6; margin-bottom: 1em; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-family: inherit; font-size: 13px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">7. Get an advisor</strong> - Find a financial planner to be your mentor and follow their advice.</div>
<div class="MsoPlainText" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #535353; font-family: Arial, Georgia, Cambria, Times, serif; font-size: 1.3em; line-height: 1.6; margin-bottom: 1em; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-family: inherit; font-size: 13px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">8. Don’t give up -</strong> If your start asking yourself why you are doing this for college planning, it is very simply you have never done it before, so how do you know it doesn’t work—-just stay the college goals course. It will come to you when you do the planning.</div>
<div class="MsoPlainText" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #535353; font-family: Arial, Georgia, Cambria, Times, serif; font-size: 1.3em; line-height: 1.6; margin-bottom: 1em; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-family: inherit; font-size: 13px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">9. Be supportive</strong> - Work on helping your child to be a good student, in GPA, rank, and study habits.</div>
<div class="MsoPlainText" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #535353; font-family: Arial, Georgia, Cambria, Times, serif; font-size: 1.3em; line-height: 1.6; margin-bottom: 1em; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-family: inherit; font-size: 13px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">10. Teach your child to plan ahead</strong> - Help your child get a part-time job while in high school, as well as how to fit their school time, work time, social life time, and their spiritual, physical, eating and sleeping time, into a 24-hour plan, 365 days a year. The more they have a set plan to do something, whether it be go to school, study, eat, hang out, work, pray, the better habits they create. This will help them when they do enroll in college, and start the process of transforming themselves from a child to an adult. When they graduate, they are now ready to tackle the world.</div>
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