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Meet Mel Meet Retirement Meet Bad Retirement Plan
 

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!

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 Meet Mel Meet Retirement Meet Bad Retirement Plan Presentation Transcript

  • 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
    • mr. everyday GUY
    property of YCIS all rights reserved © 2008
  • mel OWN’s a… property of YCIS all rights reserved © 2008
  • HOUSE
    • with FIXED
    • 30 year mortgage
    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
    • AFTER…
    property of YCIS all rights reserved © 2008
  • property of YCIS all rights reserved © 2008
  • mel will live to be…
    • 92!
    property of YCIS all rights reserved © 2008
  • mel will need
    • $40k a year in retirement!
    property of YCIS all rights reserved © 2008
  • property of YCIS all rights reserved © 2008
  • PROBLEM is …
    • if mel draws
    • enough money to
    • maintain his
    • current lifestyle ,
    property of YCIS all rights reserved © 2008
  • mel’s tax deferred retirement plan runs out when he is only...
    • 72!
    property of YCIS all rights reserved © 2008
  • mel DID …
    • what EVERYBODY else does…
    property of YCIS all rights reserved © 2008
    • PUT ALL his retirement savings in a ( 401k , IRA , 403b , etc .)
    • PAID DOWN
    • his house, so it would be…
    property of YCIS all rights reserved © 2008
  • HOUSE
    • “ FREE
    • &
    • CLEAR
    • when mel retired
    property of YCIS all rights reserved © 2008
  • mel did it BECAUSE his … property of YCIS all rights reserved © 2008
  • DAD did… property of YCIS all rights reserved © 2008
  • and it worked …
    • FOR>
    • because …
    property of YCIS all rights reserved © 2008
  • mel’s DAD wasn’t property of YCIS all rights reserved © 2008
  • ONE of …
    • 78 MILLION BABY BOOMERS!!!
    • WHO…
    property of YCIS all rights reserved © 2008
  • started retiring YESTERDAY! property of YCIS all rights reserved © 2008
    • that’s a lot of fish to feed *
    • * SOCIAL SECURITY to pay out
    property of YCIS all rights reserved © 2008
    • 78 MILLION! BABY BOOMERS
    property of YCIS all rights reserved © 2008
    • FISH are PEOPLE too!
    • us
    • =
    property of YCIS all rights reserved © 2008
  • 7 things mel did NOT consider property of YCIS all rights reserved © 2008
    • no LIQUIDITY
    • no SAFETY
    • no RETURN on INVESTMENT
    property of YCIS all rights reserved © 2008
    • TAX DEFERRAL
    • LONGEVITY
    • INFLATION
    property of YCIS all rights reserved © 2008
  • 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 …
    • NAIL in the …
    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 …
    • LIQUIDITY
    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 …
    • safety
    property of YCIS all rights reserved © 2008
    • mel has lost a large amount of the MONEY he was counting on for retirement!
    property of YCIS all rights reserved © 2008
    • even the …
    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…
    • GONE!
    property of YCIS all rights reserved © 2008
  • 3rd …
    • RETURN ON INVESTMENT
    property of YCIS all rights reserved © 2008
    • we are simply going to
    • make a point about
    • what equity
    • REALLY IS!
    • and how most people
    • perceive their homes…
    property of YCIS all rights reserved © 2008
    • to reinvest your money for
    • an extra million at retirement
    • you may move assets from
    • ANYWHERE ,
    • not just from the equity
    • in your home!
    property of YCIS all rights reserved © 2008
  • equity doesn’t
    • earn money …
    • it’s just LAZY IDLE dollars !
    property of YCIS all rights reserved © 2008
  • RETURN on INVESTMENT
    • is the process
    • of EARNING interest
    • on your money
    property of YCIS all rights reserved © 2008
  • 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…
    • 400 k in 7.5 years!
    property of YCIS all rights reserved © 2008
    • hard to believe ?
    property of YCIS all rights reserved © 2008
    • meet albert einstein
    property of YCIS all rights reserved © 2008
  • he said...
    • “ compound interest is the 8 th wonder of the world ”
    • Albert Einstein
    property of YCIS all rights reserved © 2008
  • 4th …
    • tax deferral
    property of YCIS all rights reserved © 2008
  • MEANING… mel’s ( 401(k), IRA, 403(b) )
    • tax deferred retirement plan …
    property of YCIS all rights reserved © 2008
    • has not been taxed
    • yet ,
    property of YCIS all rights reserved © 2008
  • but it WILL BE taxed…
    • during his retirement years
    property of YCIS all rights reserved © 2008
    • tax deferral would be the
    • greatest thing on…
    property of YCIS all rights reserved © 2008
    • if…
    property of YCIS all rights reserved © 2008
    • mel TRULY
    • believed
    • in his …
    property of YCIS all rights reserved © 2008
    • that…
    property of YCIS all rights reserved © 2008
    • TAXES will be …
    • the same ,
    • or lower in the future .
    property of YCIS all rights reserved © 2008
  • 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
    • OR the ?
    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
    • and it might be better to pay them
    • NOW ?
    property of YCIS all rights reserved © 2008
  • property of YCIS all rights reserved © 2008
  • NO NEED TO WONDER any longer …
    • oh you didn't…
    property of YCIS all rights reserved © 2008
  •  
  • THEY ALREADY WENT UP!!!
  • MAY 2007 congress RAISED taxes
    • “ the largest tax hike in U.S. history”
    property of YCIS all rights reserved © 2008
  • MEANING…
    • our taxes WILL be going up in 2010 !!!
    property of YCIS all rights reserved © 2008
  • 5th …
    • longevity
    property of YCIS all rights reserved © 2008
  • PROBLEM is …
    • mel lives to be 92
    • but his tax deferred retirement plan runs out when he is only 72
    property of YCIS all rights reserved © 2008
  • 20 YEARS !
    • of living on
    • social security alone…
    • YIKES!!!
    property of YCIS all rights reserved © 2008
  • mel will need to share his with… property of YCIS all rights reserved © 2008
    • 78 MILLION! BABY BOOMERS
    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 …
    • Social security
    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
    • 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
    property of YCIS all rights reserved © 2008
  • HE SAYS …
    • “ as best I can judge, when the
    • BabyBoom ( generation ) retires,
    • we are going to have to
    • either raise taxes
    • very sharply or
    • cut benefits by HALF ”
    property of YCIS all rights reserved © 2008
    • SOCIAL SECURITY
    property of YCIS all rights reserved © 2008
  • is … property of YCIS all rights reserved © 2008
  • ed property of YCIS all rights reserved © 2008
  • 6th …
    • inflation
    property of YCIS all rights reserved © 2008
  • going to = in the future ?
    • what is…
    property of YCIS all rights reserved © 2008
  • we don’t know but, less for sure property of YCIS all rights reserved © 2008
  • 7th …
    • TAXES
    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
    • actually its WORSE
    property of YCIS all rights reserved © 2008
  • meet david walker
    • COMPTROLLER GENERAL OF THE U N I T E D S T A T E S
    property of YCIS all rights reserved © 2008
  • he notes … if you Include social security , medicare , medicaid , it makes the REAL DEBT …
    • $ 42 trillion
    property of YCIS all rights reserved © 2008
  • 7 strikes to the HEAD of household! property of YCIS all rights reserved © 2008
  • we can now say mel’s…
    • RETIREMENT PLAN
    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
    • DIFFERENT is NOT always
    • BETTER,
    • but BETTER is
    • ALWAYS …
    property of YCIS all rights reserved © 2008
  • 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
    • 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
    • successful ( TAX FREE ) retirement
    • contact us at…
    property of YCIS all rights reserved © 2008
  • ( 866 - 884 - 7483 ) or get STARTED NOW at www. go meet mel .com THE END property of YCIS all rights reserved © 2008