Goal Monitor! January is over Time for a goal check

How are you doing compared to your written goals?

"Financially – Spiritually-Emotionally- Physically- Mentally”

Back in December I hand selected 307 clients for a special closed
Circuit - conference call. For over 90 minutes I coached them as they
charted their course for 2008.

They discovered the secrets to creating a life of abundance and prosperity in all areas including their finances. Over the 90 minute call I revealed some “keys” to getting what you want - when you want- in the fastest time possible. They were amazed how easy getting what you want out of life can be. It’s simple when you have a plan and know the secrets to getting rapid results!

Most of my members have already reported they are experiencing amazing financial results.

So the question to you is, how are you doing with your financial goals at the close of month 1 in 2008? Is your plan working? Are your measuring up? Are your assets growing -shrinking- or staying the same? How about your debt structure, is it decreasing –increasing ? Do you have more money left over at the end of this month than last? What is your plan for eliminating your largest debt, your mortgage?

The sad truth is some of you reading this don’t have written goals or a plan, even worse others don’t have a pulse on their finances at all. If that describes you don’t worry there is still time for you to get your financial house in order. Just take action and get started. You can do it-you can all do it.

And remember success leaves clues. Don’t attempt to re-create the financial wheel on your own. If you don’t have a plan to build wealth and eliminate debt – if you find yourself struggling trying to figure out how to thrive and survive with this financial puzzle - if you're living paycheck to paycheck and want to finally break out of the rat race- if you have no debt but very little savings for your retirement – if you want a better life an easier life simply reach out to an expert, a wealth coach and get your goals and plan started.

Expect Success

Billy Alvaro

P.S It’s never too late to start. If you’d like to be considered for a 1 Hour Free Economic problem Prevention Audit and discover just how fast and easy you can get out of debt, build wealth and pay off your home within 7-11 years click here now www.savemonthly.com/audit to be placed on my priority waiting list.

P.P.S I don’t blame you if your skeptical. Before I was an economic advisor and wealth coach I was a police officer back in the early 90’s. I was skeptical back than about anyone who said they can get me out of debt, help me build wealth and even payoff my home in 7-11 years and rightfully so because I witnessed a lot of fraud and thievery by con artists. Do your homework on anyone your thinking about engaging to advise you. Ask them about their credentials. Ask them to prove it to you. Ask them if they have any complaints and what the natures of the complaints were. Are they willing to meet you face to face? Do they offer written Guarantees?

P.P.P.S You can get a better understanding about me-my background and what I’m about by clicking here http://savemonthly.com/index.php/who-is-billy-alvaro.html

P.P.P.P.S There is more info about debt and wealth at http://www.savemonthly.com/ log on and learn

5 Steps to Stop Living Paycheck to Paycheck

By Mary Dalrymple

Do you get hot sweats, a cold fever, a nervous stomach, or something worse when you peer into your checking account on Tuesday and find it empty -- then realize that payday isn't until Friday?
You're suffering from Paycheck-to-Paycheck Syndrome, a malady that can affect anyone -- regardless of income -- who regularly runs short of money in the bank. Associated symptoms include sleepless nights, high blood pressure, fits of guilt, and denial.

The cure is simple, but it isn't easy. Follow this five-step plan to feel better:

1. Evaluate your illness. You'll never end the paycheck-to-paycheck sweats if debts claim most of your money before you can even get it in the bank. Add up your good debt (like mortgages and school loans) and compare it to your bad debt (credit cards and vehicle loans). If you carry a lot of bad debt, it's time to attack that drain on your income. If you don't have a lot of bad debt, but you're still buckling under monthly payments, it might be time to evaluate whether your good debt is too much of a good thing.

2. Attack the illness. Ever had a doctor tell you, "It will get worse before it gets better?" Before you can reclaim your money for yourself, you need to remedy your debt fevers. Put together a plan to pay off any debt that's too much of a burden as fast as realistically possible. Put your bad debts at the top of the list. Use my guide to debt reduction to map out your plan, and be patient. You'll suffer a little more for a short while, but you'll feel better.

3. Cure your denial. Do you end up living paycheck to paycheck because you "forget" that the car insurance is due? Do holidays catch you by surprise, even though they occur on the same date every year? Do you borrow from Peter to send Paul on a fancy vacation? You know which major expenses cause you the most stress. Go through your checkbook and add up those items. Now, divide that total by 12, and set aside that amount of money every month. Separate it from your everyday accounts. Use it only to pay for those irregular expenses.

4. Take some preventive medicine. Even if you prepare for the major expenses you can anticipate, there will be plenty that you never see coming. To stop these surprises from turning you back into a paycheck-to-paycheck patient, set aside a little bit of money every month in an emergency fund. Eventually, you'll have a significant stash that will absorb your unexpected car repairs, appliance breakdowns, and emergency travel.

5. Relax. With your debts paid off, your major expenses anticipated, and your unanticipated expenses covered, you will start to feel those cold sweats and nervous jitters abate. You may even feel a warm glow when you write a check without worry. You may positively jump for joy when you deposit a paycheck and find that some of last month's is still in the account. You're cured!

Want expert guidance? Claim your Free 1 hour Economic Problem Prevention Audit. Click here now!
www.savemonthly.com/audit

You'll receive a fool proof

• debt elimination plan
• a wealth accumulation plan
• An equity accelerator plan
• a plan to address your immediate financial needs as well as the needs
  you'll have in the future.

It will be the best 1 hour you’ll ever invest, in-fact I guarantee it. If your eligible for the 1 hour free economic problem prevention audit and you can honestly say after we are through you did not receive value from it simply tell me so, and I'll pay you $100.00 for wasting your time. No tricks no BS no joke. I’m confident you’ll benefit from this problem prevention audit.

So, if you want to finally discover how to stop living paycheck to paycheck
and how to start saving for your future without stress and struggle
click here and claim your 1 hour Free Economic Problem Prevention Audit
www.savemonthly.com/audit

P.S I can only offer 8 FREE Audits a month; if my schedule is full you will have the option to be placed on my priority waiting list for the next available FREE spot or invest the normal fee of $1,000.00 for the 1 hour of my time.

P.P.S Don’t wait until its too late. Planning is the key when it comes to eliminating debt and building wealth.

P.P.P.S check out what folks like you gained after their economic problem prevention audit http://savemonthly.com/index.php/case-studies.html

How to stop paying more for goods and services

As we entered the 21st century technology has played an even greater role in our lives. In most respects it has made life faster & easier- allowing us to surf the web from our phones, or check stock prices from the middle of the mountains. But it may be costing you more for goods and services..

Consider this; you may pay more than your neighbor on everything from cars, furniture, homes, cell phones even home health and car insurance if your credit rating is not up to par. How much more? Depending on what your credit score is( based on technology and algorithms which may report inaccurate information ), and your overall credit history you may wind up paying 15%-36% more for the same items and services your neighbor enjoys simply because of your credit rating.

Six months ago I spoke with a young 27 year old lady who had just gotten engaged. Her and fiancé wanted to invest in a home of their own and move out of moms basement..

Upon going through a credit analysis I noticed she had just financed a vehicle, and the payment was a rather high- $512. Being a lover of cars I curiously I asked her what make and model sports vehicle had she just purchased. To my amazement she confided to me she was driving a used Toyota! A Toyota of that make and model should not cost her more than $289 per month at most, but she was paying almost double. In fact she could have bought a Mercedes or Beemer for the same payments.

So why was she paying almost double? Because her credit was impaired, scores low and some items being reported were erroneous.

I explained to her and her fiancé had she known about her credit and fixed it prior to getting that vehicle- they could have invested the difference for emergencies or retirement. Over that 6 year period they would have accumulated a staggering $23,832.71. Both their jaws dropped.

They realized the financial impact their credit was having on their lives and how it was robbing them of their future wealth.

What should you do to pay less for everything?

Order a fr.ee copy of your credit report To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.

If you have blemishes or inaccurate information, take the proper steps to repair it sooner rather than later so it doesn’t wind up costing you more. If it seems like a daunting task engage a certified personal economic planner to assist with the process.

Most reputable planners will include a credit analysis and repair plan as part of their services. As in the case above with our newly engaged couple- I assisted them with getting “Economically Ready” for the purchase of their new home.

Within 5 short months of continuously advising them I was able to increase their scores from 532 to 675 from 566 to 682 and from 512 to 656 and erase 6 pieces of erroneous credit. They were both ecstatic. I was then able to get them approved for a home loan with very little money down (5%) at a very attractive rate of 6.75%. fixed.

Had they gone the traditional route of seeking out a mortgage broker or banker they would have been at a rate of 8.75% adjustable and would have had to come up with 15% down payment.

With proper planning, our happy homeowners saved over $92,160 in interest charges over the life of their loan. Oh and that high car payment was cut down to $311 after their credit was corrected…

Save-monthly by being wise about your money and credit!

Billy Alvaro
Claim your Free 1 hour Economic Problem Prevention Audit
Click here now
www.savemonthly.com/audit

Have You Ever Felt More Aggravated

You cannot pick up a paper or watch TV, without seeing another story about budget deficits, cuts in spending, and the worst news of all:

More Increases To Your Taxes!

Yet, the answer government always seem to come up with to the economic mess we're in, is to take more of our hard earned dollars.

We all know this is still the greatest place on the planet to live and work. As messed up as we are, there is no other country that can compare with the opportunities we have. And that's why it feels so bad when we see our incentives to earn, save and invest being taken away

I remember things I learned as a kid. They were in my history book. They were from a time in our past. When the public took a stand. When they'd had enough. When they realized that the powers that be were interested in a different agenda. One of endless, unfair taxation. From which a famous slogan was derived:

Taxation Without Representation!

Think about it. This was the rallying cry that our nation was formed on! Yet…we have somehow let ourselves fall back into a situation where we once again have tax monsters that are thrust upon us without or agreement or consent! It is truly taxation without representation.

For example, let's look at the list of taxes we all have to pay:

1. Federal income and estate taxes.
2. State income taxes.
3. Local income taxes.
4. Sales taxes.
5. Real estate property taxes.
6. Personal property taxes.
7. Ad valorem taxes.
8. Gasoline taxes.
9. Import duty taxes.
10. Sin taxes. (Cigarettes, booze, etc.)
11. Travel taxes. (Hotel, airline, etc.)
12. Excise taxes.
13. Highway taxes.

And on and on and on.

Not only does the list of taxes keep getting bigger, the rates keep getting bigger as well.

Any time a governmental body finds themselves in a fix due to mismanagement, their answer is always the same:

Raise Taxes!

After all, they won't notice. We need the tax revenue to keep things going. Everybody has to pay their fair share!

Right. Give me a break. Let's talk about paying your "fair share."

Is it fair that huge corporations get special mention in tax laws to reduce their burden?

Is it fair that giant developers get tax breaks to build their buildings?

Is it fair that by creating new jobs, employers get to pay more payroll taxes?

Is it fair that lower income earners pay a much higher percentage of their income in "flat" taxes?

Is it fair that the top 10% of earners pay over 50% of all income taxes?

Is any of this fair? No, it sure isn't.

But, then, my dad always told me that life wasn't fair.

That I would have to learn how to become "street smart" and find the best way to live my life. On my own.

The world doesn't care about your own personal situation. You won't get any medals for being successful. And you won't get yelled at for failing.

All you will get is whatever you make your life. On your own.

And what we are really talking about here is one of the most powerful notions of our lives.

A word that is so important, yet one that often seems to elude us.

What am I talking about?

Control!

Or, in other words, the power to determine your own destiny.

Control. An emotion that we all want. That we all need.

You see, the lack of control makes us feel like we cannot guide our lives the way we want to. Not being in control is scary. It is disturbing. It can be very disappointing.

There are so many areas of our life where we do not have much, if any, control.

Which can cause us to feel a loss of peace of mind.
For isn't being in control, really the foundation of happiness and peace?

When you know you can steer your life in the direction you want, don't you enjoy each day a little more? Don't you sleep better at night? Don't you love your family just a little more?

Sure you do. That is why we all strive to work so hard. To gain more control.

And yes, having more money does provide more control.

As the old saying goes, "Money cannot buy happiness, but it can sure rent it for a while!"

And paying less in taxes, puts more money in our pockets, which puts more control in our lives!

Yet, when you look at the long list of taxes we all have to pay, I want you to notice an interesting fact:

Of all the taxes we are stuck with, only a couple of types are really controllable!

Most of the items on the list are either built into the prices of things we pay, or applied as a percentage of the value of something.

If you want to buy some beer, you will pay the sin and sales taxes, without any option to get around them.

If you want to go on a trip, you will pay the airline and hotel taxes, with zero say in the matter.

And so on.

There are a couple of interesting exceptions to this "pay without choice" rule. As a matter of fact, these exceptions are so big, that the fact they even exist is truly amazing.

What am I talking about? How about some of the biggest taxes you have to pay both during and after your life?

Yes, Federal income and estate taxes!

Let's look at a little bit of background here before I get to the specific methods of reducing these taxes.

As you probably know, these taxes have been around for a long time. And the way we are taxed on them keeps changing like the weather.

You see, originally, they were established to increase revenue to the US Treasury across the board. But, then, they were manipulated to encourage (or discourage) certain behaviors. For example, builders want us to buy houses, and eventually the Congress put a tax break in the code for deducting the interest we pay on a mortgage.

And so on. Congress uses the taxation of our income and estates as a "carrot and stick" to direct our financial lives. In the seventies, during the recession, they added a tax credit for hiring new employees. They increased the tax savings for businesses who buy new equipment. Etc., etc.
So, since they use these taxes to push us one way or another, a very interesting result has been created:

Income And Estate Taxes Can Be Significantly Raised Or Lowered By The Way You Arrange Your Financial Affairs!

Think about that. It is incredible. You can literally decide how much in estate and income taxes you pay, based on decisions you make with your money! And, you can do this 100% legally! (Make sure you understand that all we’re suggesting is following the tax laws as they are written! We NEVER suggest or advocate that you do anything that isn’t 100% legal!)

There isn't any other area of taxation that allows you such flexibility. Or that can cause you so much grief, if you set yourself up wrong.

And, yes, you can set yourself up the right way, much easier than you think.

But, first, let's define the "right way."

Well, my definition of "the right way" is paying the least amount of taxes of anybody you know in the same income bracket!

Yes, that's right, two families can have the exact same income, and one can pay way less in taxes. A lot less. Let me give you an example:

**********************************

Stay tuned for the rest of the story....

All the best

Billy Alvaro

http://www.savemonthly.com/

"Give me one hour and I'll work

a financial miracle in your life"

1-800-793-5015 x 103


© 2002 Billy AlvaroDISCLAIMER – NOTHING IN THIS REPORT IS TO BE SUBSTITUTED OR TO BE CONSTRUED AS FINANCIAL, LEGAL, OR ACCOUNTING ADVICE, OR ADVICE OF ANY KIND. THE INFORMATION CONTAINED HEREIN IS SOLELY INTENDED TO BE INFORMATIONAL, AND NOT TO BE CONSTRUED AS ADVICE OF ANY KIND. THE READER ASSUMES ALL RESPONSIBILITY FOR ANY FINANCIAL, LEGAL OR ACCOUNTING ACTIONS THEY TAKE, AND UNDERSTAND THAT THE READER MUST CONSULT WITH THE APPROPRIATE PROFESSIONALS BEFORE TAKING ANY ACTIONS REGARDING THEIR FINANCIAL, LEGAL OR ACCOUNTING SITUATION. THE READER HOLDS THE AUTHOR, PUBLISHER, OR ANY DISTRIBUTORS OF THIS REPORT HARMLESS FROM ANY CONSEQUENCES THAT RESULT FROM ANY FINANCIAL, LEGAL OR ACCOUNTING ACTIONS THE READER TAKES UNDER ANY AND ALL CIRCUMSTANCES.

Breaking News on Larry King live last night

Friday Jan 18 2008

Breaking News on Larry King live last night

Well just about every financial expert agrees.
We are in an economic down turn.
Some call it a recession; others say it’s the start
of a depression.

Real-estate prices are plummeting –
the mortgage market has
Imploded- consumer personal debt is at record highs
and average life savings for Americans is at rock
bottom.

What is one to do? The experts on Larry King live
unanimously agree!

Get your financial house in order now.


The problem is, who do middle class hard families
turn to for personal economic planning?

One of the key ingredients to a secure financial future
hinges upon what expert you rely on to guide you
through this storm.


That’s why I’m writing you today. For the next 21 days
only I am opening my calendar to address this economic
emergency that many of you may be facing.

I’m offering an “Economic Problem Prevention
Audit” for all New Yorkers on a first come
first serve basis.

This Economic Problem Prevention Audit is
FR^EE for the next 21
Days.

It’s being offered for FR-EE because it’s
important for all of you
to be offered the same expert advice
the wealthy segment of society
has at its disposal.

You’ll get a complete analysis as well as expert suggestions on what to do
To protect yourself, your family your home and your future during
One of Americas toughest economic times.

Your personal economic future will be determined by the
Actions you take today.

To be considered for your Economic Problem
Prevention audit Register Now at
www.savemonthly.com/audit

Yours in success during tough times

Billy Alvaro

P.S. This offer is only valid for the next 21 days,
so please don’t procrastinate.

P.P.S Here is the page to register at again
www.savemonthly.com/audit

P.P.P.S There is more info for you at www.savemonthly.com