meet   MEL he  runs out  of retirement income at age  72 property of YCIS all rights reserved  © 2008
A . K . A … property of YCIS all rights reserved  © 2008
<ul><li>mr.  everyday   GUY </li></ul>property of YCIS all rights reserved  © 2008
mel  OWN’s  a… property of YCIS all rights reserved  © 2008
HOUSE <ul><li>with  FIXED </li></ul><ul><li>30 year mortgage </li></ul>property of YCIS all rights reserved  © 2008
he  LIKES … property of YCIS all rights reserved  © 2008
property of YCIS all rights reserved  © 2008
is  GOOD  friends   with … property of YCIS all rights reserved  © 2008
OXNARD property of YCIS all rights reserved  © 2008
mel  WORKS  … property of YCIS all rights reserved  © 2008
property of YCIS all rights reserved  © 2008 here
mel is  full of   GREAT … property of YCIS all rights reserved  © 2008
property of YCIS all rights reserved  © 2008
when it  COMES   to … property of YCIS all rights reserved  © 2008
property of YCIS all rights reserved  © 2008
and … property of YCIS all rights reserved  © 2008
property of YCIS all rights reserved  © 2008
but  NOT  with… property of YCIS all rights reserved  © 2008
PLANNING  for  LIFE   <ul><li>AFTER… </li></ul>property of YCIS all rights reserved  © 2008
property of YCIS all rights reserved  © 2008
mel   will   live  to be… <ul><li>92! </li></ul>property of YCIS all rights reserved  © 2008
mel will need <ul><li>$40k   a year in  retirement! </li></ul>property of YCIS all rights reserved  © 2008
property of YCIS all rights reserved  © 2008
PROBLEM is … <ul><li>if mel draws  </li></ul><ul><li>enough money  to </li></ul><ul><li>maintain  his  </li></ul><ul><li>c...
mel’s  tax deferred retirement plan  runs out  when  he is  only...  <ul><li>72! </li></ul>property of YCIS all rights res...
mel  DID … <ul><li>what  EVERYBODY   else does… </li></ul>property of YCIS all rights reserved  © 2008
<ul><li>PUT ALL  his  retirement savings in a  ( 401k , IRA , 403b , etc .) </li></ul><ul><li>PAID DOWN  </li></ul><ul><li...
HOUSE <ul><li>“ FREE  </li></ul><ul><li>& </li></ul><ul><li>CLEAR </li></ul><ul><li>when  mel  retired </li></ul>property ...
mel   did it   BECAUSE   his … property of YCIS all rights reserved  © 2008
DAD did… property of YCIS all rights reserved  © 2008
and it  worked … <ul><li>FOR> </li></ul><ul><li>because … </li></ul>property of YCIS all rights reserved  © 2008
mel’s  DAD  wasn’t property of YCIS all rights reserved  © 2008
ONE  of … <ul><li>78 MILLION  BABY BOOMERS!!! </li></ul><ul><li>WHO… </li></ul>property of YCIS all rights reserved  © 2008
started  retiring   YESTERDAY! property of YCIS all rights reserved  © 2008
<ul><li>that’s a lot of  fish to   feed * </li></ul><ul><li>* SOCIAL SECURITY  to pay out </li></ul>property of YCIS all r...
<ul><li>78 MILLION!  BABY BOOMERS </li></ul>property of YCIS all rights reserved  © 2008
<ul><li>FISH are  PEOPLE   too! </li></ul><ul><li>us </li></ul><ul><li>= </li></ul>property of YCIS all rights reserved  ©...
7  things mel  did  NOT   consider property of YCIS all rights reserved  © 2008
<ul><li>no  LIQUIDITY </li></ul><ul><li>no  SAFETY </li></ul><ul><li>no  RETURN on INVESTMENT </li></ul>property of YCIS a...
<ul><li>TAX DEFERRAL </li></ul><ul><li>LONGEVITY </li></ul><ul><li>INFLATION </li></ul>property of YCIS all rights reserve...
7 th … property of YCIS all rights reserved  © 2008
the WORST for  LAST… property of YCIS all rights reserved  © 2008
DRUMROLL property of YCIS all rights reserved  © 2008
TAXES property of YCIS all rights reserved  © 2008
is   THE … <ul><li>NAIL   in the … </li></ul>property of YCIS all rights reserved  © 2008
COFFIN property of YCIS all rights reserved  © 2008
what's  WRONG   with  mel’s plan? property of YCIS all rights reserved  © 2008
here are a  few of the   BIG  things … property of YCIS all rights reserved  © 2008
1st … <ul><li>LIQUIDITY </li></ul>property of YCIS all rights reserved  © 2008
mel  CANNOT   get  his   MONEY   any time  he  needs  it … property of YCIS all rights reserved  © 2008
that makes it NOT… property of YCIS all rights reserved  © 2008
property of YCIS all rights reserved  © 2008
2nd … <ul><li>safety </li></ul>property of YCIS all rights reserved  © 2008
<ul><li>mel has  lost   a  large amount  of the   MONEY   he was   counting on  for  retirement! </li></ul>property of YCI...
<ul><li>even  the … </li></ul>property of YCIS all rights reserved  © 2008
CASH property of YCIS all rights reserved  © 2008
IN  his … property of YCIS all rights reserved  © 2008
equity property of YCIS all rights reserved  © 2008
was  NOT ! property of YCIS all rights reserved  © 2008
SAFE property of YCIS all rights reserved  © 2008
mel’s house  lost  value! ( like most of us ) property of YCIS all rights reserved  © 2008
that's   money   he  was  counting on   for  retirement… <ul><li>GONE! </li></ul>property of YCIS all rights reserved  © 2...
3rd … <ul><li>RETURN  ON  INVESTMENT </li></ul>property of YCIS all rights reserved  © 2008
<ul><li>we are simply going to </li></ul><ul><li>make a point  about </li></ul><ul><li>what   equity </li></ul><ul><li>REA...
<ul><li>to  reinvest your  money  for </li></ul><ul><li>an extra  million  at retirement </li></ul><ul><li>you may move  a...
equity  doesn’t <ul><li>earn money … </li></ul><ul><li>it’s just  LAZY  IDLE  dollars ! </li></ul>property of YCIS all rig...
RETURN on INVESTMENT <ul><li>is the  process   </li></ul><ul><li>of   EARNING   interest   </li></ul><ul><li>on  your   mo...
if mel would have  taken   $ 200k  out of the   house   when he had it … property of YCIS all rights reserved  © 2008
and put it  somewhere   that   earned   lets say… 9%   compound interest property of YCIS all rights reserved  © 2008
that  200k   would be… <ul><li>400 k   in 7.5 years! </li></ul>property of YCIS all rights reserved  © 2008
<ul><li>hard   to   believe ? </li></ul>property of YCIS all rights reserved  © 2008
<ul><li>meet  albert einstein </li></ul>property of YCIS all rights reserved  © 2008
he said... <ul><li>“ compound   interest   is the 8 th   wonder   of the  world ” </li></ul><ul><li>Albert Einstein </li><...
4th … <ul><li>tax deferral </li></ul>property of YCIS all rights reserved  © 2008
MEANING… mel’s  ( 401(k), IRA, 403(b) ) <ul><li>tax deferred  retirement plan … </li></ul>property of YCIS all rights rese...
<ul><li>has   not   been  taxed   </li></ul><ul><li>yet , </li></ul>property of YCIS all rights reserved  © 2008
but it  WILL BE  taxed… <ul><li>during  his  retirement  years </li></ul>property of YCIS all rights reserved  © 2008
<ul><li>tax  deferral   would  be the  </li></ul><ul><li>greatest   thing  on… </li></ul>property of YCIS all rights reser...
<ul><li>if… </li></ul>property of YCIS all rights reserved  © 2008
<ul><li>mel  TRULY </li></ul><ul><li>believed   </li></ul><ul><li>in his …   </li></ul>property of YCIS all rights reserve...
<ul><li>that… </li></ul>property of YCIS all rights reserved  © 2008
<ul><li>TAXES   will be …  </li></ul><ul><li>the   same ,  </li></ul><ul><li>or   lower   in the  future . </li></ul>prope...
property of YCIS all rights reserved  © 2008
he has  BILL$ property of YCIS all rights reserved  © 2008
what would you  rather   pay   TAXES   on? property of YCIS all rights reserved  © 2008
the  SEED ? property of YCIS all rights reserved  © 2008
<ul><li>OR  the ? </li></ul>property of YCIS all rights reserved  © 2008
HARVEST ? property of YCIS all rights reserved  © 2008
don’t you think  TAXES   will   HAVE  to go  UP … ? property of YCIS all rights reserved  © 2008
<ul><li>and  it  might  be   better   to   pay them  </li></ul><ul><li>NOW ? </li></ul>property of YCIS all rights reserve...
property of YCIS all rights reserved  © 2008
NO NEED TO  WONDER  any longer … <ul><li>oh you  didn't… </li></ul>property of YCIS all rights reserved  © 2008
 
THEY   ALREADY  WENT UP!!!
MAY 2007  congress   RAISED taxes <ul><li>“ the  largest  tax hike in U.S. history” </li></ul>property of YCIS all rights ...
MEANING… <ul><li>our  taxes  WILL be  going up  in  2010 !!! </li></ul>property of YCIS all rights reserved  © 2008
5th … <ul><li>longevity </li></ul>property of YCIS all rights reserved  © 2008
PROBLEM is … <ul><li>mel  lives  to be  92 </li></ul><ul><li>but his  tax deferred  retirement plan  runs out  when he is ...
20  YEARS ! <ul><li>of  living  on  </li></ul><ul><li>social security   alone… </li></ul><ul><li>YIKES!!! </li></ul>proper...
mel  will need to  share his  with… property of YCIS all rights reserved  © 2008
<ul><li>78 MILLION!  BABY BOOMERS </li></ul>property of YCIS all rights reserved  © 2008
did you  know   social security is  taxed   as income ? property of YCIS all rights reserved  © 2008
mel has no  tax write offs property of YCIS all rights reserved  © 2008
cat food   MELVIN ? property of YCIS all rights reserved  © 2008
property of YCIS all rights reserved  © 2008
PROBLEM is … <ul><li>Social security </li></ul>property of YCIS all rights reserved  © 2008
is … property of YCIS all rights reserved  © 2008
ed property of YCIS all rights reserved  © 2008
meet   alan green span <ul><li>Chairman   of   the  Board   of  Governors  of the  Federal  Reserve  of the   U n i t e d ...
HE  SAYS … <ul><li>“ as best  I can judge,  when the </li></ul><ul><li>BabyBoom   ( generation ) retires, </li></ul><ul><l...
<ul><li>SOCIAL SECURITY </li></ul>property of YCIS all rights reserved  © 2008
is … property of YCIS all rights reserved  © 2008
ed property of YCIS all rights reserved  © 2008
6th … <ul><li>inflation </li></ul>property of YCIS all rights reserved  © 2008
going to = in the  future ? <ul><li>what is… </li></ul>property of YCIS all rights reserved  © 2008
we don’t know but,  less for sure property of YCIS all rights reserved  © 2008
7th … <ul><li>TAXES </li></ul>property of YCIS all rights reserved  © 2008
what will cause the  taxes   to go  up ? property of YCIS all rights reserved  © 2008
how about  NATIONAL DEBT? property of YCIS all rights reserved  © 2008
9 trillion in debt <ul><li>actually   its WORSE </li></ul>property of YCIS all rights reserved  © 2008
meet david   walker <ul><li>COMPTROLLER GENERAL OF THE U N I T E D  S T A T E S </li></ul>property of YCIS all rights rese...
he notes …   if   you  Include  social security ,  medicare ,  medicaid ,   it makes the   REAL DEBT … <ul><li>$ 42   tril...
7 strikes  to the  HEAD   of  household! property of YCIS all rights reserved  © 2008
we can now  say  mel’s… <ul><li>RETIREMENT PLAN  </li></ul>property of YCIS all rights reserved  © 2008
is  NOT  a  PLAN  at all  property of YCIS all rights reserved  © 2008
whose  retirement  is  mel planning? property of YCIS all rights reserved  © 2008
THANKS  melvin ! property of YCIS all rights reserved  © 2008
THANKS  melvin! property of YCIS all rights reserved  © 2008
THANKS   dad ! property of YCIS all rights reserved  © 2008
SORRY son ! property of YCIS all rights reserved  © 2008
I  QU IT! property of YCIS all rights reserved  © 2008
he   did! property of YCIS all rights reserved  © 2008
<ul><li>DIFFERENT  is  NOT   always </li></ul><ul><li>BETTER, </li></ul><ul><li>but   BETTER  is </li></ul><ul><li>ALWAYS ...
DIFFERE N T! property of YCIS all rights reserved  © 2008
what’s for dinner  melvin ? property of YCIS all rights reserved  © 2008
property of YCIS all rights reserved  © 2008
  <ul><li>if you are looking for something  DIFFERE N T  go  meet  sue .  If you want to skip  meet  sue ,  and get to wor...
( 866 - 884 - 7483 ) or   get  STARTED NOW  at www. go meet mel .com  THE END property of YCIS all rights reserved  © 2008
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Meet Mel Meet Retirement Meet Bad Retirement Plan

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www.GOmeet MEL.com. he did what everybody else did, and he is going to pay for it in retirement! Meet Sue to see something different. Sue is set for life!

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Meet Mel Meet Retirement Meet Bad Retirement Plan

  1. 1. meet MEL he runs out of retirement income at age 72 property of YCIS all rights reserved © 2008
  2. 2. A . K . A … property of YCIS all rights reserved © 2008
  3. 3. <ul><li>mr. everyday GUY </li></ul>property of YCIS all rights reserved © 2008
  4. 4. mel OWN’s a… property of YCIS all rights reserved © 2008
  5. 5. HOUSE <ul><li>with FIXED </li></ul><ul><li>30 year mortgage </li></ul>property of YCIS all rights reserved © 2008
  6. 6. he LIKES … property of YCIS all rights reserved © 2008
  7. 7. property of YCIS all rights reserved © 2008
  8. 8. is GOOD friends with … property of YCIS all rights reserved © 2008
  9. 9. OXNARD property of YCIS all rights reserved © 2008
  10. 10. mel WORKS … property of YCIS all rights reserved © 2008
  11. 11. property of YCIS all rights reserved © 2008 here
  12. 12. mel is full of GREAT … property of YCIS all rights reserved © 2008
  13. 13. property of YCIS all rights reserved © 2008
  14. 14. when it COMES to … property of YCIS all rights reserved © 2008
  15. 15. property of YCIS all rights reserved © 2008
  16. 16. and … property of YCIS all rights reserved © 2008
  17. 17. property of YCIS all rights reserved © 2008
  18. 18. but NOT with… property of YCIS all rights reserved © 2008
  19. 19. PLANNING for LIFE <ul><li>AFTER… </li></ul>property of YCIS all rights reserved © 2008
  20. 20. property of YCIS all rights reserved © 2008
  21. 21. mel will live to be… <ul><li>92! </li></ul>property of YCIS all rights reserved © 2008
  22. 22. mel will need <ul><li>$40k a year in retirement! </li></ul>property of YCIS all rights reserved © 2008
  23. 23. property of YCIS all rights reserved © 2008
  24. 24. PROBLEM is … <ul><li>if mel draws </li></ul><ul><li>enough money to </li></ul><ul><li>maintain his </li></ul><ul><li>current lifestyle , </li></ul>property of YCIS all rights reserved © 2008
  25. 25. mel’s tax deferred retirement plan runs out when he is only... <ul><li>72! </li></ul>property of YCIS all rights reserved © 2008
  26. 26. mel DID … <ul><li>what EVERYBODY else does… </li></ul>property of YCIS all rights reserved © 2008
  27. 27. <ul><li>PUT ALL his retirement savings in a ( 401k , IRA , 403b , etc .) </li></ul><ul><li>PAID DOWN </li></ul><ul><li>his house, so it would be… </li></ul>property of YCIS all rights reserved © 2008
  28. 28. HOUSE <ul><li>“ FREE </li></ul><ul><li>& </li></ul><ul><li>CLEAR </li></ul><ul><li>when mel retired </li></ul>property of YCIS all rights reserved © 2008
  29. 29. mel did it BECAUSE his … property of YCIS all rights reserved © 2008
  30. 30. DAD did… property of YCIS all rights reserved © 2008
  31. 31. and it worked … <ul><li>FOR> </li></ul><ul><li>because … </li></ul>property of YCIS all rights reserved © 2008
  32. 32. mel’s DAD wasn’t property of YCIS all rights reserved © 2008
  33. 33. ONE of … <ul><li>78 MILLION BABY BOOMERS!!! </li></ul><ul><li>WHO… </li></ul>property of YCIS all rights reserved © 2008
  34. 34. started retiring YESTERDAY! property of YCIS all rights reserved © 2008
  35. 35. <ul><li>that’s a lot of fish to feed * </li></ul><ul><li>* SOCIAL SECURITY to pay out </li></ul>property of YCIS all rights reserved © 2008
  36. 36. <ul><li>78 MILLION! BABY BOOMERS </li></ul>property of YCIS all rights reserved © 2008
  37. 37. <ul><li>FISH are PEOPLE too! </li></ul><ul><li>us </li></ul><ul><li>= </li></ul>property of YCIS all rights reserved © 2008
  38. 38. 7 things mel did NOT consider property of YCIS all rights reserved © 2008
  39. 39. <ul><li>no LIQUIDITY </li></ul><ul><li>no SAFETY </li></ul><ul><li>no RETURN on INVESTMENT </li></ul>property of YCIS all rights reserved © 2008
  40. 40. <ul><li>TAX DEFERRAL </li></ul><ul><li>LONGEVITY </li></ul><ul><li>INFLATION </li></ul>property of YCIS all rights reserved © 2008
  41. 41. 7 th … property of YCIS all rights reserved © 2008
  42. 42. the WORST for LAST… property of YCIS all rights reserved © 2008
  43. 43. DRUMROLL property of YCIS all rights reserved © 2008
  44. 44. TAXES property of YCIS all rights reserved © 2008
  45. 45. is THE … <ul><li>NAIL in the … </li></ul>property of YCIS all rights reserved © 2008
  46. 46. COFFIN property of YCIS all rights reserved © 2008
  47. 47. what's WRONG with mel’s plan? property of YCIS all rights reserved © 2008
  48. 48. here are a few of the BIG things … property of YCIS all rights reserved © 2008
  49. 49. 1st … <ul><li>LIQUIDITY </li></ul>property of YCIS all rights reserved © 2008
  50. 50. mel CANNOT get his MONEY any time he needs it … property of YCIS all rights reserved © 2008
  51. 51. that makes it NOT… property of YCIS all rights reserved © 2008
  52. 52. property of YCIS all rights reserved © 2008
  53. 53. 2nd … <ul><li>safety </li></ul>property of YCIS all rights reserved © 2008
  54. 54. <ul><li>mel has lost a large amount of the MONEY he was counting on for retirement! </li></ul>property of YCIS all rights reserved © 2008
  55. 55. <ul><li>even the … </li></ul>property of YCIS all rights reserved © 2008
  56. 56. CASH property of YCIS all rights reserved © 2008
  57. 57. IN his … property of YCIS all rights reserved © 2008
  58. 58. equity property of YCIS all rights reserved © 2008
  59. 59. was NOT ! property of YCIS all rights reserved © 2008
  60. 60. SAFE property of YCIS all rights reserved © 2008
  61. 61. mel’s house lost value! ( like most of us ) property of YCIS all rights reserved © 2008
  62. 62. that's money he was counting on for retirement… <ul><li>GONE! </li></ul>property of YCIS all rights reserved © 2008
  63. 63. 3rd … <ul><li>RETURN ON INVESTMENT </li></ul>property of YCIS all rights reserved © 2008
  64. 64. <ul><li>we are simply going to </li></ul><ul><li>make a point about </li></ul><ul><li>what equity </li></ul><ul><li>REALLY IS! </li></ul><ul><li>and how most people </li></ul><ul><li>perceive their homes… </li></ul>property of YCIS all rights reserved © 2008
  65. 65. <ul><li>to reinvest your money for </li></ul><ul><li>an extra million at retirement </li></ul><ul><li>you may move assets from </li></ul><ul><li>ANYWHERE , </li></ul><ul><li>not just from the equity </li></ul><ul><li>in your home! </li></ul>property of YCIS all rights reserved © 2008
  66. 66. equity doesn’t <ul><li>earn money … </li></ul><ul><li>it’s just LAZY IDLE dollars ! </li></ul>property of YCIS all rights reserved © 2008
  67. 67. RETURN on INVESTMENT <ul><li>is the process </li></ul><ul><li>of EARNING interest </li></ul><ul><li>on your money </li></ul>property of YCIS all rights reserved © 2008
  68. 68. if mel would have taken $ 200k out of the house when he had it … property of YCIS all rights reserved © 2008
  69. 69. and put it somewhere that earned lets say… 9% compound interest property of YCIS all rights reserved © 2008
  70. 70. that 200k would be… <ul><li>400 k in 7.5 years! </li></ul>property of YCIS all rights reserved © 2008
  71. 71. <ul><li>hard to believe ? </li></ul>property of YCIS all rights reserved © 2008
  72. 72. <ul><li>meet albert einstein </li></ul>property of YCIS all rights reserved © 2008
  73. 73. he said... <ul><li>“ compound interest is the 8 th wonder of the world ” </li></ul><ul><li>Albert Einstein </li></ul>property of YCIS all rights reserved © 2008
  74. 74. 4th … <ul><li>tax deferral </li></ul>property of YCIS all rights reserved © 2008
  75. 75. MEANING… mel’s ( 401(k), IRA, 403(b) ) <ul><li>tax deferred retirement plan … </li></ul>property of YCIS all rights reserved © 2008
  76. 76. <ul><li>has not been taxed </li></ul><ul><li>yet , </li></ul>property of YCIS all rights reserved © 2008
  77. 77. but it WILL BE taxed… <ul><li>during his retirement years </li></ul>property of YCIS all rights reserved © 2008
  78. 78. <ul><li>tax deferral would be the </li></ul><ul><li>greatest thing on… </li></ul>property of YCIS all rights reserved © 2008
  79. 79. <ul><li>if… </li></ul>property of YCIS all rights reserved © 2008
  80. 80. <ul><li>mel TRULY </li></ul><ul><li>believed </li></ul><ul><li>in his … </li></ul>property of YCIS all rights reserved © 2008
  81. 81. <ul><li>that… </li></ul>property of YCIS all rights reserved © 2008
  82. 82. <ul><li>TAXES will be … </li></ul><ul><li>the same , </li></ul><ul><li>or lower in the future . </li></ul>property of YCIS all rights reserved © 2008
  83. 83. property of YCIS all rights reserved © 2008
  84. 84. he has BILL$ property of YCIS all rights reserved © 2008
  85. 85. what would you rather pay TAXES on? property of YCIS all rights reserved © 2008
  86. 86. the SEED ? property of YCIS all rights reserved © 2008
  87. 87. <ul><li>OR the ? </li></ul>property of YCIS all rights reserved © 2008
  88. 88. HARVEST ? property of YCIS all rights reserved © 2008
  89. 89. don’t you think TAXES will HAVE to go UP … ? property of YCIS all rights reserved © 2008
  90. 90. <ul><li>and it might be better to pay them </li></ul><ul><li>NOW ? </li></ul>property of YCIS all rights reserved © 2008
  91. 91. property of YCIS all rights reserved © 2008
  92. 92. NO NEED TO WONDER any longer … <ul><li>oh you didn't… </li></ul>property of YCIS all rights reserved © 2008
  93. 94. THEY ALREADY WENT UP!!!
  94. 95. MAY 2007 congress RAISED taxes <ul><li>“ the largest tax hike in U.S. history” </li></ul>property of YCIS all rights reserved © 2008
  95. 96. MEANING… <ul><li>our taxes WILL be going up in 2010 !!! </li></ul>property of YCIS all rights reserved © 2008
  96. 97. 5th … <ul><li>longevity </li></ul>property of YCIS all rights reserved © 2008
  97. 98. PROBLEM is … <ul><li>mel lives to be 92 </li></ul><ul><li>but his tax deferred retirement plan runs out when he is only 72 </li></ul>property of YCIS all rights reserved © 2008
  98. 99. 20 YEARS ! <ul><li>of living on </li></ul><ul><li>social security alone… </li></ul><ul><li>YIKES!!! </li></ul>property of YCIS all rights reserved © 2008
  99. 100. mel will need to share his with… property of YCIS all rights reserved © 2008
  100. 101. <ul><li>78 MILLION! BABY BOOMERS </li></ul>property of YCIS all rights reserved © 2008
  101. 102. did you know social security is taxed as income ? property of YCIS all rights reserved © 2008
  102. 103. mel has no tax write offs property of YCIS all rights reserved © 2008
  103. 104. cat food MELVIN ? property of YCIS all rights reserved © 2008
  104. 105. property of YCIS all rights reserved © 2008
  105. 106. PROBLEM is … <ul><li>Social security </li></ul>property of YCIS all rights reserved © 2008
  106. 107. is … property of YCIS all rights reserved © 2008
  107. 108. ed property of YCIS all rights reserved © 2008
  108. 109. meet alan green span <ul><li>Chairman of the Board of Governors of the Federal Reserve of the U n i t e d S t a t e s 1987 -2006 </li></ul>property of YCIS all rights reserved © 2008
  109. 110. HE SAYS … <ul><li>“ as best I can judge, when the </li></ul><ul><li>BabyBoom ( generation ) retires, </li></ul><ul><li>we are going to have to </li></ul><ul><li>either raise taxes </li></ul><ul><li>very sharply or </li></ul><ul><li>cut benefits by HALF ” </li></ul>property of YCIS all rights reserved © 2008
  110. 111. <ul><li>SOCIAL SECURITY </li></ul>property of YCIS all rights reserved © 2008
  111. 112. is … property of YCIS all rights reserved © 2008
  112. 113. ed property of YCIS all rights reserved © 2008
  113. 114. 6th … <ul><li>inflation </li></ul>property of YCIS all rights reserved © 2008
  114. 115. going to = in the future ? <ul><li>what is… </li></ul>property of YCIS all rights reserved © 2008
  115. 116. we don’t know but, less for sure property of YCIS all rights reserved © 2008
  116. 117. 7th … <ul><li>TAXES </li></ul>property of YCIS all rights reserved © 2008
  117. 118. what will cause the taxes to go up ? property of YCIS all rights reserved © 2008
  118. 119. how about NATIONAL DEBT? property of YCIS all rights reserved © 2008
  119. 120. 9 trillion in debt <ul><li>actually its WORSE </li></ul>property of YCIS all rights reserved © 2008
  120. 121. meet david walker <ul><li>COMPTROLLER GENERAL OF THE U N I T E D S T A T E S </li></ul>property of YCIS all rights reserved © 2008
  121. 122. he notes … if you Include social security , medicare , medicaid , it makes the REAL DEBT … <ul><li>$ 42 trillion </li></ul>property of YCIS all rights reserved © 2008
  122. 123. 7 strikes to the HEAD of household! property of YCIS all rights reserved © 2008
  123. 124. we can now say mel’s… <ul><li>RETIREMENT PLAN </li></ul>property of YCIS all rights reserved © 2008
  124. 125. is NOT a PLAN at all property of YCIS all rights reserved © 2008
  125. 126. whose retirement is mel planning? property of YCIS all rights reserved © 2008
  126. 127. THANKS melvin ! property of YCIS all rights reserved © 2008
  127. 128. THANKS melvin! property of YCIS all rights reserved © 2008
  128. 129. THANKS dad ! property of YCIS all rights reserved © 2008
  129. 130. SORRY son ! property of YCIS all rights reserved © 2008
  130. 131. I QU IT! property of YCIS all rights reserved © 2008
  131. 132. he did! property of YCIS all rights reserved © 2008
  132. 133. <ul><li>DIFFERENT is NOT always </li></ul><ul><li>BETTER, </li></ul><ul><li>but BETTER is </li></ul><ul><li>ALWAYS … </li></ul>property of YCIS all rights reserved © 2008
  133. 134. DIFFERE N T! property of YCIS all rights reserved © 2008
  134. 135. what’s for dinner melvin ? property of YCIS all rights reserved © 2008
  135. 136. property of YCIS all rights reserved © 2008
  136. 137. <ul><li>if you are looking for something DIFFERE N T go meet sue . If you want to skip meet sue , and get to work on planning for a </li></ul><ul><li>successful ( TAX FREE ) retirement </li></ul><ul><li>contact us at… </li></ul>property of YCIS all rights reserved © 2008
  137. 138. ( 866 - 884 - 7483 ) or get STARTED NOW at www. go meet mel .com THE END property of YCIS all rights reserved © 2008

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