Abundancia Financiera

Ahorre De Manera Segura Para Los Estudios Universitarios De Su Hijo Al Abrir Una Ira Educativa...

2005-12-22T21:02:00.000-04:00

Las cuentas de retiro individual (IRA por sus siglas en ingl�s) son cuentas de ahorro que nos ayudan a reducir el pago de impuestos en el presente o en el futuro. Una de sus variantes es la IRA educativa o tambi�n conocida como Cuenta de Ahorro Educativo Coverdell, en honor al Senador estadounidense, Paul Coverdell. Es de vital importancia que todo individuo la conozca por que puede ser la mejor forma de ahorrar para la educaci�n de su(s) hijo(s) y a su vez obtener deducciones en los impuestos sobre ingresos.

Los individuos pueden hacer contribuciones anuales de hasta $2,000 por hijo, en una cuenta que exclusivamente sirve para ayudar a pagar los costos de la educaci�n universitaria. El dinero aportado a una IRA educativa no afecta su aportaci�n anual de $3,000 ($3,500 si tiene 50 a�os o m�s) que puede aportar a la combinaci�n de sus IRAs individuales.

Las ganancias y retiros de una IRA educativa est�n libres de impuestos. Sin embargo, usted no puede deducir las aportaciones anuales a la(s) cuenta(s) de las contribuciones sobre ingreso porque la cuenta es para el beneficio del(los) hijo(s), no del contribuyente. Es una herramienta excelente para padres con buenos h�bitos de ahorros e inversionistas ya que sus fondos pueden estar invertidos en la bolsa de valores (no todos los proveedores de estas cuentas lo ofrecen). Adem�s de ayudar a los padres a financiar la educaci�n de un ni�o estudioso y responsable. Adicionalmente, si su hijo recibe una IRA educativa, puede tambi�n solicitar cr�ditos de la beca �Hope� (para estudiantes con excelentes calificaciones) o un cr�dito educativo para la cantidad a pagar de impuestos (Lifetime Learning Credit). S�lo aseg�rese de no usar el dinero de la IRA educativa para pagar los mismos gastos que declara para un cr�dito educativo.

El beneficiario de la IRA educativa (su hijo) puede retirar los fondos a la edad de 30 a�os si no va a la universidad, pero debe pagar los impuestos y penalidades que conlleve la cuenta. Sin embargo, el balance o lo que quede de este, puede transferirse a un hermano o al hijo del beneficiario, si el beneficiario no hace o completa sus estudios universitarios.
Una vez haya abierto la cuenta puede usar el mercado burs�til para ayudar a financiar la educaci�n de su hijo. En CamiloALaAbundancia.com le ense�amos como puede vender acciones a precios altos despu�s de haberlas comprado a precios bajos.

El Dr. Brown puede ense�arle c�mo invertir por medio de su compa��a El Instituto de Riqueza Delano Max (The Delano Max Wealth Institute) Est� dedicado a proveer cursos y seminarios que ense�an como tener buenos h�bitos de ahorro de dinero y de inversi�n que lo llevar�n a una gran riqueza financiera. En los �ltimos cinco a�os no ha tenido una p�rdida realizada en el mercado de valores y puede ense�arle c�mo obtuvo esos resultados a largo plazo en lugar de un corto plazo donde se pierde el p�blico. El Dr. Brown es Profesor de Finanzas en la Universidad de Puerto Rico en R�o Piedras y habla espa�ol. Es reconocido como experto en inversiones de bajo riesgo con altos rendimientos y le gusta a ayudar a otros a volverse ricos o m�s ricos. Ven y visita nuestra p�gina en http://www.caminoalaabundancia.com

NUESTRA MISI�N:
La misi�n de �The Delano Max Wealth Institute� es lograr que nuestros inversionistas alcancen un retiro lleno de seguridad, con paz mental, que llega a trav�s de la eliminaci�n del miedo al invertir y con la convicci�n de que la abundancia radica en nosotros al dejar de ver escasez a nuestro alrededor. Estamos motivados por el bienestar de nuestro pr�jimo, no del miedo a ellos, al reconocer la igualdad y los derechos individuales que todos tenemos. Estamos comprometidos a hacer negocios basado en los principios de la regla dorada, hacer a otros lo que nos gustar�a nos hicieran a nosotros. Basado en este compromiso prometemos lo siguiente. Ense�ar a todos nuestros estudiantes de la manera m�s simple con un lenguaje com�n y sencillo siempre que sea posible. Ense�ar a nuestros estudiantes como ahorrar de forma consistente y en incrementos, aumentando sus riquezas. Ense�ar a nuestros estudiantes como diversificar sus inversiones. Ense�ar a nuestros estudiantes como evitar grandes p�rdidas seg�n nuestro mejor conocimiento. Compartir con los participantes de nuestros adiestramientos los secretos que conocemos sobre como invertir. The Delano Max Wealth Institute promete llevarnos por el camino al �xito con cursos y seminarios innovadores al ofrecer beneficios para todos lo que se asocien con nosotros.

DERECHOS DE ESCRITOR
El contenido de esta p�gina y de nuestros reportajes es para uso personal, no comercial, educativo y de car�cter exclusivamente informativo y no es una recomendaci�n o patrocinio a ninguna compa��a o producto. AbundanciaFinanciera.com y The Delano Max Wealth Institute no hace representaciones y descarta todas las garant�as expresas, implicadas o por estatutos por concepto de veracidad, tiempo, intenci�n, comerciabilidad o capacidad de cualquier contenido del material en esta p�gina o en nuestros reportajes. Usted debe buscar consejo de un profesional de acuerdo a su situaci�n en particular.

� 2005 AbundanciaFinanciera.com y The Delano Max Wealth Institute, LLC.

El enlace si desea usted terminar con la suscripci�n:
http://www.abundanciafinanciera.com/cgi-bin/arp3/arp3-un.pl?c=5&p=3685

COMO RETIRARSE RICO DE UN NEGOCIO PROPIO...

2005-12-09T20:03:00.000-04:00

Existe una cuenta de retiro individual (IRA, por sus siglas en ingles) excelente para individuos que trabajan por cuenta propia, en empresas peque�as o negocios familiares. Cualquier empresa, no importa su tama�o, puede ser patrocinador y contribuir a la IRA de su(s) empleado(s), siempre y cuando tenga entidad jur�dica ante Hacienda (IRS). Esto incluye al propietario de la empresa. La cuenta de la que hablo se conoce como SEP-IRA.

Las penalidades para retiros anticipados son las mismas que con una IRA tradicional. Las aportaciones son deducibles de su planilla sobre ingreso. Si usted es propietario de una peque�a empresa, la Publicaci�n 590 del IRS, Acuerdos para Cuentas de Retiro Individual, explica los l�mites de las aportaciones para estos planes y su contador lo puede asesorar. Puede establecer una SEP-IRA con una casa de corretaje del Internet, invertir en la bolsa de valores y reducir el pago de impuestos, de manera legal, con algunas de las ganancias de su negocio.

Los propietarios de negocio que contribuyen a sus propios planes de retiro tienen diferentes est�ndares para los l�mites de las aportaciones que los empleados de una empresa a los que se les ofrece un plan SEP-IRA. Los SEP-IRAs son flexibles para los patronos. Un patrono no tiene que contribuir todos los a�os. Las contribuciones son deducibles de impuestos. Una vez haya abierto la cuenta usted puede comprar y vender acciones usando las t�cnicas como las que le ense�amos en CaminoAlaAbundancia.com

� 2005 AbundanciaFinanciera.com y The Delano Max Wealth Institute, LLC.

El enlace si desea usted terminar con la suscripci�n:
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LOS FONDOS MUTUOS ENGANAN AL PUBLICO CON UNA TRAMPA DE IMPUESTOS OCULTOS...

2005-11-24T19:54:00.000-04:00

Una de las muchas formas de perder dinero en fondos mutuos no basados en �ndices es la trampa de los impuestos. �Podr�a tener que pagar impuestos hasta cuando su fondo mutuo pierde dinero! Para muchas personas esto se convierte en algo dolorosamente inesperado.

As� es como sucede este comportamiento contra-intuitivo. Si el administrador del fondo vende una acci�n por m�s de lo que le cost� comprarla, se genera una ganancia. A esta ganancia se le llama ganancia de capital y es tributable a impuestos. Las ganancias de capital son grabadas con una tasa de impuestos com�n, que est� entre el 28% y el 38.6% para la mayor�a de los inversionistas si el fondo mantuvo la acci�n por menos de un a�o. Si la acci�n se mantuvo por m�s de un a�o, en otras palabras a largo plazo, el impuesto es del 20%. Aunque por ley, los fondos mutuos no pagan impuestos, estos cargos se los pasan a usted, el accionista del fondo mutuo.

Hay un par de razones por la que los fondos mutuos pagan impuestos. Si el fondo tiene un bajo rendimiento los inversionistas se marchar�n. Los administradores del fondo mutuo tienen que vender acciones para pagar a los inversionistas que se marchan. Aunque usted no sea uno de los inversionistas que salta del barco, de todas formas tendr� que pagar su porci�n de los impuestos de las ganancias capitales.

Los dividendos son otra raz�n por la que hay impuestos. En los dividendos se paga el impuesto en la distribuci�n de ganancia por acci�n que las compa��as obtienen de en sus ganancias trimestrales. Muchos inversionistas les piden a sus fondos mutuos que autom�ticamente reinviertan sus dividendos. Esto quiere decir que el fondo utiliza el dinero para comprar m�s acciones en su nombre. Aunque reinvierta y nunca vea ni un centavo de sus dividendos, estos est�n sujetos a impuestos, de acuerdo con Hacienda (el IRS).

Otra raz�n por la que quiz�s le llegue un recibo de impuestos se debe a una alta tasa de rotaci�n. La rotaci�n mide la frecuencia con la que un administrador compra y vende acciones, algunas veces en la b�squeda de la pr�xima acci�n de alto vuelo o acciones de bajo precio al borde de despegar. De acuerdo con Lipper (compa��a de analisis de fondos mutuos), el fondo promedio en el 2000 mostr� una tasa de rotaci�n del 122%. Esto significa que la cartera entera cambi� entre enero y diciembre, y 22% de las acciones de reemplazo cambiaron tambi�n.

�Esta es la forma m�s com�n de timar a la gente! Simplemente tiene que entender que cuando invierte en un fondo est� comprando un impuesto a las ganancias. La mejor manera de evitar algunos de estos impuestos es restringir sus compras de fondos mutuos en su plan de jubilaci�n (401 (k) ) y tratar de comprar s�lo fondos mutuos basados en �ndices como lo es Vanguard 500 (VFINX).

� 2005 AbundanciaFinanciera.com y The Delano Max Wealth Institute, LLC.

El enlace si desea usted terminar con la suscripci�n:
http://www.abundanciafinanciera.com/cgi-bin/arp3/arp3-un.pl?c=5&p=3685

Comisiones Ocultas Hacen Millones Para Los Administradores De Fondos Mutuos...

2005-11-17T19:55:00.000-04:00

Muchos inversionistas piensan que invertir en fondos mutuos es gratis. �Qu� absurdo! Los fondos recaudan m�s de $50 billones por a�o en comisiones a los inversionistas. Eso es sinceramente una tonelada de dinero. La primera forma de ser timado por el administrador de un fondo mutuo es a trav�s de las grandes comisiones que cobran. �Estas comisiones pueden reducir en gran medida sus ganancias con el tiempo!

Las comisiones son deducidas de forma autom�tica de las ganancias de un fondo, en forma invisible, porque usted nunca ve un recibo ni tiene que escribir un cheque. Por ejemplo; Si invierte $10,000.00 en un fondo mutuo de acciones nacionales, con una proporci�n de gastos del 2% y un costo de ventas del 3% e imaginemos que obtiene un rendimiento anual del 7.5% durante veinte a�os. Su dinero casi se triplicar�a a $27,508.00. La mala noticia es que usted habr� perdido $14,970 en comisiones y ganancias potenciales durante esos veinte a�os. �Ay� eso duele bastante!

Estos fondos tambi�n son vendidos y administrados en el medio de la exaltaci�n, de transacciones de corto plazo y con informaci�n clave mantenida en secreto al p�blico en general. La industria confunde a los inversionistas al mercadear los fondos basado en el desempe�o de a�os anteriores, lo que no deber�a ser un factor a tener en cuenta. Muchos administradores de fondos mutuos pueden enga�ar al p�blico con comisiones excesivas debido a que los inversores no entienden como estos costos destruyen sus ganancias. �Los administradores de los fondos no tienen inter�s en educar a sus inversionistas porque es mucho m�s f�cil enga�ar al ignorante!

No ponga su confianza en un fondo mutuo a menos que no sea basado totalmente en un �ndice. El �ndice significa que el fondo mutuo simplemente usa un programa computarizado, para comprar y vender acciones, que imitan la composici�n de un gran �ndice de acciones del mercado como lo es S&P 500. El �ndice S&P 500 se compone de las acciones de las 500 empresas publicas m�s grandes de los Estados Unidos. Esto quiere decir que no hay un administrador del fondo que cobra comisiones innecesarias. Un buen ejemplo de esto es el primer y totalmente fondo mutuo basado en un �ndice, conocido como Vanguard 500 (VFINX) que es tambi�n hoy en d�a el m�s grande de su tipo.

�Por qu� mejor descarta este sistema y compra sus propias acciones? Usted puede convertirse en su propio administrador y aumentar sus ganancias. En CaminoalaAbundancia.com les ense�amos cuan f�cil es hacerlo.

� 2005 AbundanciaFinanciera.com y The Delano Max Wealth Institute, LLC.

El enlace si desea usted terminar con la suscripci�n:
http://www.abundanciafinanciera.com/cgi-bin/arp3/arp3-un.pl?c=5&p=3685

SERAN LAS BIENES RAICES LA INVERSION CORRECTA PARA USTED...

2005-11-15T20:02:00.000-04:00

Con seguridad ha o�do, visto y le�do que la inversi�n en Bienes Ra�ces es la mejor cosa desde que se invent� el pan en rebanadas. Existen muchos programas en cable, tarde en la noche, que lanzan ofertas para cursos que le ense�an como comprar Bienes Ra�ces residenciales sin gastar dinero o con casi nada. Mucho m�s, hombres bien entrenados en publicidad enfatizan que es tan f�cil que cualquiera lo puede llevar acabo. Ellos muy presumidos le ense�an que es tan sencillo hacer una fortuna en Bienes Ra�ces, como escribir en la parte de atr�s de una servilleta. Luego, estos promotores del curso le muestran entrevistas �reales� con personas que seg�n ellos hacen mucho dinero con el sistema del curso.

Aunque es cierto que se puede hacer una fortuna en Bienes Ra�ces, es m�s probable que quien haga la fortuna sea el due�o del curso, en lugar de usted. La raz�n es que las inversiones en Bienes Ra�ces son mucho m�s dif�ciles de lo que la gente imagina. Cuando uno compra, renta o vende Bienes Ra�ces, contrario a las valores de mercado, usted tiene que lidiar directamente con p�blico y no existe una estructura organizada para mantener las cosas estandarizadas. No olvide que las cortes entienden que es su deber proteger los hogares de familias aunque estos no paguen la renta y/o sean unos totales vividores. Otro problema es que muchos contratistas que realizan trabajos para rehabilitar sus Bienes Ra�ces tienen muchos problemas personales y financieros como los malos inquilinos. Ellos da�an sus casas y se salen tan pronto cuando reciben el dinero del desafortunado inversionista de Bienes Ra�ces.

Tambi�n toma muchos a�os aprender c�mo determinar el valor apropiado en una ciudad o vecindario y adquirir la experiencia necesaria en los cierres de Bienes Ra�ces para que no vaya a perder las grandes ganancias que esperaba en el proceso. El punto clave es que la inversi�n en Bienes Ra�ces es un negocio. Como cualquier otro negocio requiere dedicaci�n constante y educaci�n. Si trabaja a tiempo completo eso significa que va a perder su tiempo libre con sus inquilinos y en sus remodelaciones. Si una propiedad no se vende o si el inquilino no paga va a tener que usar parte de su salario para cubrir la hipoteca. Debe disfrutar de su trabajo a tiempo completo porque usted lo eligi� as�. Si prefiere los d�as de campos y los viajes a la playa en vez de cobrar renta y reparar sus inversiones en Bienes Ra�ces, entonces, el mercado de valores es mejor para usted. Si de verdad est� interesado en invertir en Bienes Ra�ces tengo una lista de cursos confiables de c�mo invertir en Bienes Ra�ces en mi p�gina de Internet.

� 2005 AbundanciaFinanciera.com y The Delano Max Wealth Institute, LLC.

El enlace si desea usted terminar con la suscripci�n:
http://www.abundanciafinanciera.com/cgi-bin/arp3/arp3-un.pl?c=5&p=3685

El Gran Secreto Que Los Administradores De Fondos Mutuos No Quieren Que Sepas: Los Indices...

2005-11-13T20:02:00.000-04:00

Un �ndice burs�til es una lista de acciones y la estad�stica que refleja su valor. Algo as�, como un precio promedio de las lista de acciones. El �ndice permite comparar el precio promedio con el precio actual para medir su rendimiento.
Los administradores de fondos mutuos sin �ndices tratan de mantener en secreto que sus fondos casi nunca les va mejor que los fondos con �ndices burs�tiles. Las altas comisiones que ellos cobran, hacen dif�cil que a estos fondos les vaya mejor que a los fondos con �ndices. Los periodistas econ�micos inteligentes en ocasiones les dan un tir�n de orejas a los administradores de fondos por no educar al p�blico en este tema. Cuando esto sucede, los administradores de los fondos mutuos hacen un esfuerzo muy d�bil de auto defensa apuntando a algo llamado la regla del 5%.
Esta regla dice que para que un fondo se comercialice como diverso, no puede tener m�s del 5% del 75% de los activos totales del fondo en un solo tipo de acciones. En otras palabras, un fondo puede tener el 25% de sus valores en un solo tipo de acciones, pero el 75% restante debe seguir la regla del 5%. La regla del 5% fue creada por el Reglamento de Ley de Compa��as de Inversiones. Los administradores de fondos alegan que esto dificulta su rendimiento en vez de admitir que est�n en el negocio simplemente para obtener de usted grandes comisiones mientras el fondo mutuo disminuye el rendimiento en el mercado general.
La verdad es que aqu� el grave problema es la mentalidad dura de los administradores de fondos. Entre ellos siguen comprando y vendiendo la misma porquer�a. Siguen como reba�o a las mismas compa��as ya conocidas y muy a menudo pasan por alto las compa��as m�s nuevas y desconocidas pero muy prometedoras. Se consuelan al saber que, aunque su fondo se pierda de una gran oportunidad, la mayor�a de los administradores de los dem�s fondos, tambi�n lo har�n. Adem�s saben que pueden salirse con la suya, con sus grandes comisiones, durante todo el tiempo que tus ahorros de jubilaci�n se encuentren aparcados en su fondo. Con el transcurso de los a�os gastan un mont�n de dinero en mercadeo para hacerte creer que les importas.
�Esa no es la actitud que quiero que tenga el administrador de mis fondos de jubilaci�n! Se deber�a preguntar por qu� los fondos mutuos no imitan la misma composici�n de la cartera de los �ndices m�s importantes, como el �ndice de S&P 500. Bueno, algunos lo hacen y los que lo hacen les va mejor que a los fondos activamente administrados, por el costo m�nimo de la administraci�n. Por este motivo, te recomiendo que si tan s�lo puede comprar fondos mutuos como pasa con los programas de retiro como el 401 (k), que restrinja su compra a fondos con �ndices como el de Vanguard 500 (VFINX).

� 2005 AbundanciaFinanciera.com y The Delano Max Wealth Institute, LLC.

El enlace si desea usted terminar con la suscripci�n:
http://www.abundanciafinanciera.com/cgi-bin/arp3/arp3-un.pl?c=5&p=3685

Mis Nuevos Articulos Sobre Inversiones Gratis...

2005-11-13T18:39:00.000-04:00

¿Por Qué Los Medios De Noticias Financieras Le Pueden Costar Dinero?
http://www.ideamarketers.com/library/article.cfm?articleid=64472
El Gran Secreto Que Los Administradores De Fondos Mutuos No Quieren Que Sepas
http://www.ideamarketers.com/library/article.cfm?articleid=64538
¿Serán Las Bienes Raíces La Inversión Correcta Para Usted?
http://www.ideamarketers.com/library/article.cfm?articleid=64539
Comisiones Ocultas Hacen Millones Para Los Administradores De Fondos Mutuos…
http://www.ideamarketers.com/library/article.cfm?articleid=64540
¡Los Fondos Mutuos Engañan Al Publico Con Una Trampa De Impuestos Ocultos!
http://www.ideamarketers.com/library/article.cfm?articleid=64541
Ahorre De Manera Segura Para Los Estudios Universitarios De Su Hijo Al Abrir Un
http://www.ideamarketers.com/library/article.cfm?articleid=64542
Cómo Retirarse Rico De Un Negocio Propio
http://www.ideamarketers.com/library/article.cfm?articleid=64543
Ahorre De Manera Segura Para Los Estudios Universitarios De Su Hijo Al Abrir Una Ira Educativa
http://www.netterweb.com/search/fllartclvw.asp?ID=35762

¡Los Fondos Mutuos Engañan Al Publico Con Una Trampa De Impuestos Ocultos!
http://www.netterweb.com/search/fllartclvw.asp?ID=35761

Comisiones Ocultas Hacen Millones Para Los Administradores De Fondos Mutuos…
http://www.netterweb.com/search/fllartclvw.asp?ID=35761

¿Serán Las Bienes Raíces La Inversión Correcta Para Usted?
http://www.netterweb.com/search/fllartclvw.asp?ID=35760

El Gran Secreto Que Los Administradores De Fondos Mutuos No Quieren Que Sepas: ¡Los Índices!
http://www.netterweb.com/search/fllartclvw.asp?ID=35759
http://www.netterweb.com/search/fllartclvw.asp?ID=35758

Cómo Retirarse Rico De Un Negocio Propio
http://www.netterweb.com/search/fllartclvw.asp?ID=35763
http://www.netterweb.com/search/fllartclvw.asp?ID=35710
http://www.netterweb.com/search/fllartclvw.asp?ID=35709

http://www.goarticles.com/cgi-bin/showa.cgi?C=89648
http://www.goarticles.com/cgi-bin/showa.cgi?C=89643
http://www.goarticles.com/cgi-bin/showa.cgi?C=89908
http://www.goarticles.com/cgi-bin/showa.cgi?C=89902
http://www.goarticles.com/cgi-bin/showa.cgi?C=89904
http://www.goarticles.com/cgi-bin/showa.cgi?C=89905
http://www.goarticles.com/cgi-bin/showa.cgi?C=89906
http://www.goarticles.com/cgi-bin/showa.cgi?C=89907

http://www.article-emporium.com/business-37345.htm
http://www.article-emporium.com/finance-37429.htm
http://www.article-emporium.com/finance-37344.htm
http://www.article-emporium.com/finance-37427.htm
http://www.article-emporium.com/finance-37430.htm
http://www.article-emporium.com/finance-37428.htm
http://www.article-emporium.com/finance-37431.htm
http://www.article-emporium.com/finance-37426.htm

The Wallet Doctor ezine is now in Spanish

2005-11-13T16:50:00.000-04:00

If you prefer to receive the Wallet Doctor in
Spanish please click on the link below now
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POR QUE LOS MEDIOS DE NOTICIAS FINANCIERAS LE PUEDEN COSTAR DINERO?

2005-11-12T20:03:00.000-04:00

El adelanto en las comunicaciones que tenemos hoy en d�a, como el Internet, peri�dicos financieros y canales de la televisi�n enfocados a la inversi�n, como CNBC, son medios de informaci�n de alta velocidad llenos de habladur�as absurdas. Todas estas fuentes de informaci�n son indicadores de que no hay escasez de personas en los medios que intentan contestar nuestras preguntas acerca del mercado de valores y en especial sobre acciones. Usted tiene que recordar que los medios de noticias compiten constantemente para sobrevivir contra otros canales, el cual usted puede o no ver. Si ellos no se escuchan como si supieran exactamente lo que sucede o de lo que esta en moda, entonces usted deja de ver sus presentaciones. Si usted no sintoniza sus exposiciones entonces sus �ndices de programaci�n bajan. Si sus �ndices bajan ellos son despedidos y su presentaci�n es cancelada.

Esto significa que los periodistas financieros est�n en el negocio en b�squeda de noticias o grandes historias para as� proyectarse como la autoridad en la materia, no importa que se hable. El mercado de valores es un gran lugar para ellos buscar noticias sensacionalistas que alimenten al p�blico. No verifican muy bien los hechos y algunas veces ni lo hacen. Esto significa que alg�n ejecutivo con informaci�n privilegiada (�insider�) que quiera provocar una expectaci�n falsa todo lo que tiene que hacer es mantener buenas conexiones con los periodistas financieros, patrocinadores y programas de inversi�n, o abiertamente comprar un canal de televisi�n como hizo Jack Welsh, director general de GE cuando �l creo CNBC. �Que gran manera para los ejecutivos manipuladores de controlar el flujo de informaci�n que el p�blico recibe a trav�s de poseer uno de los pocos canales de televisi�n de noticias financieras!� pero esto no es tan bueno para usted. Estos periodistas tambi�n avivan el fuego al traer a grandes �expertos� para hablar de los diferentes puntos de vista de un tema que los verdaderos expertos no consideran importante.

Esto solo hace m�s confuso para el p�blico poder entender que es importante a la hora de comprar o vender valores. Los programas en CNBC como �Closing Bell�, �Kudlow & Company� y �Mad Money� no hacen m�s que confundir y dar una direcci�n err�nea a la mayor�a de los inversiones que est�n en el p�blico. Peor aun, esto significa que las noticias financieras que salen a la luz p�blica permiten a las acciones sobrevaluadas ser recomendadas v�a an�lisis en el Intenet, cuando los ejecutivos manipuladores tratan de salirse del mercado. Esto hecho ocurri� en el tope del alza del mercado del a�o 1999. Para una gran descripci�n hist�rica de lo que ocurri� lea el libro de Maggie Mahar titulado �Bull�.

El famoso economista de la Universidad de Yale, el Prof. Bob Shiller , Ph.D. es particularmente duro con los medios en su libro �Irrational Exuberance� (Exhuberancia Iraccional). El Dr. Shiller es uno de los economistas m�s respetados por Alan Greenspan (presidente ejecutivo de la Reserva Federal de Estados Unidos) y de quien obtuvo el t�rmino Exuberancia Irracional. El Dr. Shiller describe a los medios como un lugar en donde las opiniones superficiales son preferidas sobre el an�lisis profundo. Estoy completamente de acuerdo con �l y entiendo que tambi�n se hace solo porque la industria prefiere tener al inversionista individual confundido y emocionalmente vulnerable para que venda o compre cuando ellos quieran con total indiferencia de los mejores intereses del inversionista.

Las personas que hab�an invertido los ahorros de sus vidas en el mercado de valores fueron saqueadas porque las noticias financieras en los medios y los analistas exageraban lo que era una gran compra de acciones en el mismo tope del alza del mercado en 1999 y el 2000. Al mismo tiempo los ejecutivos corporativos manipuladores vend�an todo lo que ellos ten�an. Lo que es asombroso es que nuestro Gobierno Federal en la forma del �Security Exchange Commission� nunca hizo nada al respecto. Nunca hubo ning�n caso o protesta en contra de estos ejecutivos, los cuales de alguna manera m�gica, vendieron todas sus acciones seis meses antes de que el mercado colapsara.

He aqu� un valioso consejo a considerar por parte suya en este suplemento de �Abundancia Financiera�: Si usted es un inversionista principiante es importante que �NO VEA LAS NOTICIA O LEA LOS PERIODICOS FINACIEROS! No permita que el mercado de acciones lo lleve a la bancarrota. No escuche lo que ellos quieren que usted escuche. Debe enfocarse en aprender lo que es importante del mercado de acciones antes de actuar. La prensa solo le va a confundir hasta que se haya educado.

Lecturas recomendadas:
1. Mahar, M. Bull! A History of the Boom, 1929-1999 (New York, HarperBusiness, 2003)
2. Shiller, R.,Irrational Exhuerance , (New York, Broadway Books, 2000)

BIOGRAF�A:
El Dr. Brown puede ense�arle c�mo invertir por medio de su compa��a El Instituto de Riqueza Delano Max (The Delano Max Wealth Institute) Est� dedicado a proveer cursos y seminarios que ense�an como tener buenos h�bitos de ahorro de dinero y de inversi�n que lo llevar�n a una gran riqueza financiera. En los �ltimos cinco a�os no ha tenido una p�rdida realizada en el mercado de valores y puede ense�arle c�mo obtuvo esos resultados a largo plazo en lugar de un corto plazo donde se pierde el p�blico. El Dr. Brown es Profesor de Finanzas en la Universidad de Puerto Rico en R�o Piedras y habla espa�ol. Es reconocido como experto en inversiones de bajo riesgo con altos rendimientos y le gusta a ayudar a otros a volverse ricos o m�s ricos. Ven y visite nuestra p�gina en http://www.caminoalaabundancia.com

NUESTRA MISI�N:
La misi�n de �The Delano Max Wealth Institute� es lograr que nuestros inversionistas alcancen un retiro lleno de seguridad, con paz mental, que llega a trav�s de la eliminaci�n del miedo al invertir y con la convicci�n de que la abundancia radica en nosotros al dejar de ver escasez a nuestro alrededor. Estamos motivados por el bienestar de nuestros pr�jimos, no del miedo a ellos, al reconocer la igualdad y los derechos individuales que todos tenemos. Estamos comprometidos a hacer negocios basado en los principios de la regla dorada, hacer a otros lo que nos gustar�a nos hicieran a nosotros. Basado en este compromiso prometemos lo siguiente. Ense�ar a todos nuestros estudiantes de la manera m�s simple con un lenguaje com�n y sencillo siempre que sea posible. Ense�ar a nuestros estudiantes como ahorrar de forma consistente y en incrementos, aumentando sus riquezas. Ense�ar a nuestros estudiantes como diversificar sus inversiones. Ense�ar a nuestros estudiantes como evitar grandes p�rdidas seg�n nuestro mejor conocimiento. Compartir con los participantes de nuestros adiestramientos los secretos que conocemos sobre como invertir. The Delano Max Wealth Institute promete llevarnos por el camino al �xito con cursos y seminarios innovadores al ofrecer beneficios para todos lo que se asocien con nosotros.

DERECHOS DE ESCRITOR:
El contenido de esta p�gina y de nuestros reportajes es para uso personal, no comercial, educativo y de car�cter exclusivamente informativo y no es una recomendaci�n o patrocinio a ninguna compa��a o producto. AbundanciaFinanciera.com y The Delano Max Wealth Institute no hace representaciones y descarta todas las garant�as expresas, implicadas o por estatutos por concepto de veracidad, tiempo, intenci�n, comerciabilidad o capacidad de cualquier contenido del material en esta p�gina o en nuestros reportajes. Usted debe buscar consejo de un profesional de acuerdo a su situaci�n en particular.

� 2005 AbundanciaFinanciera.com y The Delano Max Wealth Institute, LLC.

El enlace si desea usted terminar con la suscripci�n:
http://www.abundanciafinanciera.com/cgi-bin/arp3/arp3-un.pl?c=5&p=3685

Bienvenido

2005-11-12T19:18:00.000-04:00

Abundancia Financiera es un bolet�n gratuito sobre finanzas a largo plazo para individuos que les gusta disfrutar su presente a la vez que planificar su futuro.

Al proveer la informaci�n requerida en el formulario incluido, podr� recibir nuestro bolet�n gratuito con regularidad. Si en el futuro ya no quiere recibir m�s los boletines, en cada edici�n proveemos un enlace para terminar con la suscripci�n.

Realmente espero que pueda ayudarle a encontrar m�s prosperidad y paz en su vida mediante la informaci�n incluida en este bolet�n. Por favor quita su filtro de �Spam� para que puedan llegar mis mensajes.

-Dr. Scott Brown, Ph.D.

El enlace si desea usted terminar con la suscripci�n:
http://www.abundanciafinanciera.com/cgi-bin/arp3/arp3-un.pl?c=5&p=3685

Abundancia Financiera, how strong is your retirement plan?

2005-10-18T06:03:00.000-04:00

Hi Abundancia Financiera,

What's that? You don't have a retirement plan?

Or are you one of those want-to-retire-rich
individuals who just can't seem to make it
happen even though you're putting in major
time and effort in at your job every week?

If you fit the picture, I have a very important
opportunity for you right now.

You could be listening to a life changing audio
CD I have prepared for you. However, supply
is limited, so you need to act
quickly to reserve your own audio cd.

Go Here Right Now To Get The Details:

http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=7&c=229

In this session, you will be hearing me,
I am known as America's Wealthy Retirement Guru.
I am a master at helping people like you
create and grow strong, powerful, and highly
profitable retirement plans investing in the stock market.

Choosing to listen to this audio CD
could be a major turning point in your life, as it
has been in the lives of other driven-to-succeed
folks just like you.

Here's what one person had to say about it:

"I got so much out of this CD! Even though I
have listened to many �investment experts� over
the last few years about how to up-level my
money-making capabilities, I learned several fresh,
new, helpful things from this wealth-trainer dynamo.
Dr. Brown not only "walks his talk," as his amazing
high profit stock investments and accolades prove;
he also "talks his walk" and that makes for a great
information packed CD. Get your pen
and paper ready, set, go!"
-Rudy Gallion, "Seasoned Investor"

By the way, I almost forgot to mention that
this special audio is fr.ee for
a very small shipping and handling fee.
And you can even listen from
the privacy of your own home -- all you
need is a phone and pad of paper for taking
notes.

Let me be your wealth trainer!

Scott Brown, Ph.D.

PS: Supply is limited and over 700 people are
getting this same email, right now.

Go Here Right Now Do You Don't Miss Out:

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PPS: Here's what another person thought about
this audio CD:

"Dr. Brown�s audio CD is awesome! Scott gave
specific strategies anyone can use to build wealth
from the stock market. Scott has a unique
perspective and shows you exactly how to buy
and sell stock. Tons of valuable information. Thank You!!"
-Shandy Spooner, The Mortage Guru

If you want to read what others had to say about
this audio CD, go visit our website right now.

http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=7&c=229

------------------------------------------------------------

The Delano Max Wealth Institute, LLC
5190 Neil Road, Suite 430
Reno, NV 89502
530-336-6616

If at any time you wish to unsub-scribe, simply cl-ick the li-nk below:
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=229&p=0575

If you wish to cancel your subscription, simply click once on the link below.
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WHAT IS THE ROTH 401(K)?

2005-10-16T06:03:00.000-04:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 9
Dr. Scott Brown, Ph.D.

WHAT IS THE ROTH 401(K)?

This retirement account is so new and unique that you may not have heard of it. For additional reasons, I describe in my home study course, corporate insiders may not want to offer it to corporate employees. This is because some executives only consider their employees canon fodder.

The Roth 401(k) was created when the Economic Growth and Tax Relief Reconciliation Act of 2001 was passed. There is a provision in the law that allows employers to offer their employees the opportunity to make Roth 401(k) deferrals. Nobody paid much attention, since the new provisions applied only to tax years beginning after 2005, but now 2006 is almost here, and people are waking up.

Deductible IRAs and regular 401(k) plans work well for those taxpayers who expect their marginal tax rate to decrease during retirement because they will be making less money. This means that you're waiting until you retire to pay taxes on dollars you make today at a higher marginal tax rates. You pay on all that money during retirement when your marginal tax rate is less.

Some taxpayers who are smart investors actually expect their marginal tax rate to either remain the same or actually increase when they retire because they are a lot wealthier from their stock investments. They also want to spend and have fun since they taught their kids well how to fend for themselves. There are many investors out there that would certainly fall into this category, even if they don't know it quite yet from investing smart in the stock market as I teach in my home study course.

For those taxpayers who are going to be worth a boatload of money down the road, the Roth IRA used to be the absolute king. Like I told you in newsletter volume 1, issue 5, you pay taxes today when you aren�t worth as much but get to take it out and go on world cruises and the like after you retire (assuming certain restrictions are met). And that's just �neater than peanut butter� for those taxpayers who expect to get whacked by the IRS on taxes when they retire. But don�t forget that the nasty drawback to the Roth IRA for many people is the fact that contributions can't be made if income is above certain limitations.

For the Roth 401(k), this is longer the case. Beginning in 2006, a 401(k) plan may allow employees to designate some or all of their elective contributions as Roth contributions. Different from regular 401(k) contributions, which are excluded from the employee's taxable income, any amount designated as a Roth 401(k) contribution would be included as taxable income to the employee.

But when you take cash out of your Roth 401(k) contributions at retirement it is completely free from federal tax. Also, unlike regular contributions, Roth 401(k) contributions are allowable regardless of your income level. So, if you are pulling down the big bucks this allows you to have the glorious benefits of the Roth IRA account I told before that you couldn�t put money into because of your high income.

Your employer is going to kick up the administration fees but if you understand the great benefits you probably won�t mind. In order to make this Roth 401(k) thing happen, the company that administers your regular 401(k) plan will have to perform additional accounting. The Roth 401(k), and the associated earnings, will have to be maintained in a separate account from your regular 401(k) monies. Additionally, the administrator will be required to separately to separate out, on a reasonable and consistent basis, gains and losses between the designated Roth contribution account and other accounts under the plan. Because of this increased accounting requirement, I guarantee that they are going to pass on these increased fees to you to administer these types of plans.

One of the drawbacks to the Roth 401(k) plan is that no employer matching contributions or plan forfeitures can be allocated to the Roth contribution account. That means that you won�t get any matching and won�t be able to roll over dough from your regular 401(k). If you study my course carefully you will understand why you probably won�t care.

Here are some other notes relative to the new Roth 401(k) account:
� Section 403(b) Plans are eligible. While the new law specifically refers to 401(k) plans, 403(b) plans are also a go.
� Plans must be amended. Before accepting Roth contributions, 401(k) and 403(b) plans must be amended to allow for separate tracking of the Roth contributions. Again, this will be an additional expense to the employer that they will pass on to you.
� Plan changes are voluntary for the employer. There is nothing in the law that requires employers to change their 401(k) or 403(b) plans to allow for the Roth contribution. If this is the case with your employer, there is essentially nothing that you can do about it. It simply means that you will not be allowed the benefits of a Roth 401(k) with that employer. After you study my course you will understand why the executives up top may not want you to have a Roth 401(k).
� This is for a limited time only. Roth 401(k) plans are scheduled to expire at the end of 2010. Therefore, after 2010, Roth contributions could remain in the plan, but no new Roth contributions could be made after that time. Obviously, Congress could extend these provisions at some time in the future. This is likely should these plans become popular and the managing insiders let their corporations have the plan.

So it's not too soon to start hammering your corporate employer about this plan for 2006. You can see if your employer is interested in making the plan amendments. It's likely that the major corporations will be more interested in adding the Roth provision to their 401(k) plans than smaller corporations or businesses because of the cost but again it depends on where your employer�s executive inside interests are aligned. You'll want to check with your employers to find out where they stand on the Roth 401(k) and how likely it might be that they will make the appropriate adoptions necessary to implement the plan.

If you can pick this beauty up it is a phenomenal way to buy stocks low and sell them high tax free as I teach you in my course �The Blue-Collar Base Bonanza � What the insiders [definitely] don�t want you to know!� More course information is on my website at http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=3&c=229.

OUR MISSION:
The mission of the Delano Max Wealth Institute is to guide investors toward a secure retirement with the peace of mind that comes from the elimination of fear of investing and recognition of abundance within us instead of perception of lack in the world outside of us. We are driven by compassion for our fellow sentient beings, not fear of them, recognizing the equality and self evident rights of all, and are committed to conducting business based on the principles of the golden rule. Because of this commitment, we promise the following: To teach our students in the most simple, plain language wherever possible. To teach our students how to save consistently in increasing increments with increasing wealth: To teach our students how to diversify: To teach our students how to avoid large losses as best we know how: To teach our students how to turn away anything that sounds too good to be true: To share every secret we know about investing with investors who participate in our trainings.
Finally, the Delano Max Wealth Institute promises to lead the way with innovative courses and seminars, bringing benefits to all who are associated with us.

COPYRIGHT
The material in this site and newsletter is provided for personal, non-commercial, educational and informational purposes only and does not constitute a recommendation or endorsement with respect to any company or product. TheWalletDoctor.com and The Delano Max Wealth Institute makes no representations and specifically disclaims all warranties, express, implied or statutory, regarding the accuracy, timeliness, completeness, merchantability or fitness for any particular purpose of any material contained in this site. You should seek the advice of a professional regarding your particular situation.
� 2005 TheWalletDoctor.com and The Delano Max Wealth Institute, LLC.

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=229&p=0575

WHAT IS THE SIMPLE IRA?

2005-09-26T06:03:00.000-04:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 8
Dr. Scott Brown, Ph.D.

WHAT IS THE SIMPLE IRA?

This retirement account is awesome if you own your own business. Any family business applies such as a home based or �brick and mortar� real estate rental and investment business, car-wash, gas station, restaurant, etc. Like the SEP-IRA, the SIMPLE IRA is company-sponsored. As a small business owner, for 2003 for instance you could have matched each employee's pay up to 3 percent or $8,000, whichever is less.

That adds up to a lot of money when it is a profitable business and family members are employees. SIMPLE IRA contributions are fully deductible when you put the money in the account but you will have to pay taxes on any profits you make on the stock when you retire. In addition to a SIMPLE IRA accounts, individuals and home based small businesses have an additional option to sock away money toward future retirement educational needs through educational IRAs.

Small businesses, which cannot afford to sponsor a 401(k) or 403(b), can also offer employees basic retirement plans established for the benefit of their employees. Sole proprietors also now also can open individual 401(k) plans. Examine the options and pick the one that maximizes your long-range savings goal. And don't wait. Take advantage of compound earnings and start socking away cash now for tomorrow.

-Scott

If you wish to cancel your subscription, simply click once on the link below.
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Abundancia Financiera I want to thank you for the great feedback�

2005-09-22T12:36:00.000-04:00

Hi Abundancia Financiera-

I received a lot of great feedback from some of in the wallet doctor. For instance I am going to offer Saturday morning seminars for those of you who find it hard to get onto evening calls because of work and family. Don�t forget that stock investing doesn�t need to be confusing. It can be fun, enlightening, and give you greater freedom. As an experienced professional financial advisor, in the business for fourteen years, I know how to teach you how to make money in the stock market. I�m here to help you analyze your needs�so get on my free conference calls that are only available to subscribers of the Wallet Doctor.

-Scott

Ps. If you have any ideas of things you want to learn about stock investing please e-mail them to me ASAP so that I can make it part of the mega revision I am doing on the course. This will make the next edition of the course more focused on what you really want to learn and acheive.

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=229&p=0575

Abundancia Financiera, I desperately need your feedback�

2005-09-20T13:04:00.000-04:00

Dear Abundancia Financiera;

I sincerely want to know what you want! I have worked very hard to study every investing strategy out there to help you become wealthy. I have also worked incredibly hard to persevere through a Ph.D. in finance to make sure that I know what I am talking about. I have been e-mailing you to get on my teleconferences where I discuss investing or interview other successful people. I have not been getting many people on my calls. I don�t understand why so I decided to just honestly ask you.

I also have not had many people showing interest in my Bulletproof Investing CD. Can you please tell me what you would like to see in my products? Do you want a lower price for the course? What would you feel would be a fair price for a course that will teach you how to retire securely? Do you want more telephone seminars? Do you want speakers in specific areas? What can I do for you?

Please let me know as I am here to serve you and help you become wealthier,

-Scott

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=229&p=0575

WHAT IS THE SEP IRA?

2005-09-11T06:00:00.000-04:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 7
Dr. Scott Brown, Ph.D.

WHAT IS THE SEP IRA?

The retirement account I am going to tell you about now is really neat if you work for a small company or own a family business that is home based or �brick and mortar.� A company-sponsored IRA can even be opened by the smallest of businesses known the �sole proprietor�. Under the SEP-IRA plan, an employer (your boss or any business entity you or your family owns that is recognized be the IRS) can contribute to an employee's existing IRA.

The penalties for early withdrawal remain the same as with the traditional IRA. Contributions are deductible. If you are a small business owner, IRS Publication 590, Individual Retirement Arrangements, explains the contribution limits for these plans and your accountant can advise you. You can set one up with an online stock brokerage to invest in the stock market to legally avoid taxes on some of the profits of your business. Self-employed taxpayers have a different standard for contribution limits than employees of a firm that offer a SEP-IRA plan.

SEP-IRAs are flexible for employers. An employer does not have to contribute every year. The contributions are tax-deductible.

-Scott

If you wish to cancel your subscription, simply click once on the link below.
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Abundancia Financiera, here is the telephone and pin for tonight�s call at 9:30�

2005-09-07T21:07:00.000-04:00

Some people are having difficulty signing up for tonight�s call so here is the information to get you in directly. There are only fifty lines reserved so try to call in at exactly 9:30 PM eastern (in about 25 minutes).

On Wednesday, Sept. 7th, 2005 at 9:30 PM Eastern
Time, Dr. Brown is doing a special telecall interviewing
Lan Turner, you'll... " Learn The Basics of
The Stock, Options, and Futures Markets"

You can't afford to miss this hour!

VERY IMPORTANT: Print This Page RIGHT NOW!

**********************************************************
To join the Teleseminar call 1-641-297-5400 (St. Marys, IA)

Your PIN code is 87882

Date: Wednesday, Sept. 7th, 2005
Time: 9:00 PM Eastern

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

Sincerely,

Scott Brown, Ph.D.

The Delano Max Wealth Institute, LLC
5190 Neil Road, Suite 430
Reno, NV 89502
1-530-336-6616

Abundancia Financiera, join us tonight...

2005-09-07T12:08:00.000-04:00

Hi Abundancia Financiera,

You could be laying the foundation to take control...

� of your investing by joining in our fr-ee teleseminars.

Many of us have a strong desire to invest so that we
can achieve the lifestyle we deserve. But how many
of us turn this hard earned desire into the correct actions
that lead to lasting wealth? Next Wednesday I am
pleased to announce that Mr. Lan Turner and I will
be having an open discussion of how to get
started building wealth as a self directed investor.

http://www.walletdoctor.com/teleseminar.htm

Lan Turner is known as the "Trading / Investor
Training Expert" and he will show you how
to learn to invest without risking your money.
Mr. Turner has created a company
recognized worldwide as the creator of the finest
charting and simulation environment in futures.
A quietly kept secret is that the company is now
turning its attention to building a new software
platform for the stock market.

Lan has�

- Interviewed and befriended many of the top investors
and traders in the field today.

- Developed the best �paper trading� platform in the
world for futures.

- Years of investing and trading experience
with his own money on the line and
developed and managed the top futures bulletin
and online magazine in the futures industry
�Pitnews.com�.

>Would you like listen to the wisdom of this man
who is has helped thousands of people get
started managing their own investments?
>Would you like to ask him questions yourself?
Then mark your calendar and meet
with Lan and myself on Wednesday, Sept. 7th, 2005
at 9:30 PM Eastern Time.

Go here to sign up right now:

http://www.walletdoctor.com/teleseminar.htm

Step on to the Path Today and take Control
of your Financial Future!

Sincerely,

Scott Brown, Ph.D.

P.S. On Wednesday night at 9:30 EST, you'll meet the
person behind the most powerful trading simulator in
the world, go here:

http://www.walletdoctor.com/teleseminar.htm

--------------------------------------------------------------

The Delano Max Wealth Institute, LLC
5190 Neil Road, Suite 430
Reno, NV 89502
530-336-6616

Abundancia Financiera, join us tomorrow...

2005-09-06T11:15:00.000-04:00

Hi Abundancia Financiera,

You could be laying the foundation to take control...

� of your investing by joining in our fr-ee teleseminars.

http://www.walletdoctor.com/teleseminar.htm

Lan has�

- Interviewed and befriended many of the top investors
and traders in the field today.

Go here to sign up right now:

http://www.walletdoctor.com/teleseminar.htm

Step on to the Path Today and take Control
of your Financial Future!

Sincerely,

Scott Brown, Ph.D.

P.S. On Wednesday night at 9:30 EST, you'll meet the
person behind the most powerful trading simulator in
the world, go here:

http://www.walletdoctor.com/teleseminar.htm

--------------------------------------------------------------

The Delano Max Wealth Institute, LLC
5190 Neil Road, Suite 430
Reno, NV 89502
530-336-6616

Abundancia Financiera, join us next Wednesday...

2005-09-01T10:57:00.000-04:00

Hi Abundancia Financiera,

You could be laying the foundation to take control...

� of your investing by joining in our fr-ee teleseminars.

http://www.walletdoctor.com/teleseminar.htm

Lan has�

- Interviewed and befriended many of the top investors
and traders in the field today.

Go here to sign up right now:

http://www.walletdoctor.com/teleseminar.htm

Step on to the Path Today and take Control
of your Financial Future!

Sincerely,

Scott Brown, Ph.D.

P.S. On Wednesday night at 9:30 EST, you'll meet the
person behind the most powerful trading simulator in
the world, go here:

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--------------------------------------------------------------

The Delano Max Wealth Institute, LLC
5190 Neil Road, Suite 430
Reno, NV 89502
530-336-6616

Abundancia Financiera, How Strong Is Your Retirement Plan?

2005-08-26T11:03:00.000-04:00

Hi Abundancia Financiera,

What's that? You don't have a retirement plan?

Or are you one of those want-to-retire-rich
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If you fit the picture, I have a very important
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5190 Neil Road, Suite 430
Reno, NV 89502
530-336-6616

If at any time you wish to unsubscribe, simply click the link below:
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WHAT IS THE ROTH IRA?

2005-08-25T01:03:00.000-04:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 5
Dr. Scott Brown, Ph.D.

WHAT IS THE ROTH IRA?

If you don�t know what a Roth IRA is then stop everything, print this article and read it carefully as this will certainly be the most valuable information you read this year. This next retirement account is to your net worth as what the light bulb was to electricity. Let me tell you about this wonderful financial invention called a Roth IRA!

The main difference between the Roth and the Traditional IRA is that with the Roth you pay taxes first and then make the contribution. This is absolutely fantastic if you make a lot of money in the stock market because you NEVER have to pay a dime in capital gains tax! There are a ton of other advantages to the Roth IRA. Unlike the traditional IRA you can be of any age and still contribute. You can also make a contribution to a Roth IRA at any time for a particular calendar year up until the due date of your tax return for that year. This means that if you want to make a Roth IRA contribution for 2005, you could make it anytime between January 1, 2005 and April 15, 2006. Another nice feature of the Roth IRA is that your spouse will also qualify for a contribution.

It may seem bad that there is no tax deduction for Roth IRAs contributions. Contributions are made with money that has already been taxed so there is no immediate tax break. Don�t fool yourself into thinking that this isn�t the best thing since the wheel because when Roth IRA money is taken out after you are 59� years old, it is a tax-free distribution! This type of IRA is ideal for individuals in a lower tax bracket now, but anticipate being in a higher tax bracket at retirement. In other words, if you are in a blue-collar or white-collar middle class family and are learning and practicing good savings and investment habits than this is your retirement life saver!

It gets even better; you may make contributions at any age, even after you reach 70�. Another absolutely incredible feature of the Roth IRA is that it is also judgment proof. If you get sued it can be very hard for lawyers to grab the money from you!
If you are a first-time home buyer or become disabled, you can take distributions earlier. You can also withdraw your CONTRIBUTIONS at any time penalty free as long as you don�t withdraw investment earnings. What many people don�t know who have a Roth allready is that they can withdraw the contribution for the account without penalty at any time as long as they don�t touch any stock profits. This is great if you get into a financial bind and need money because you don't get whacked like you would in a 401(k). With a 401(k) you are charged penalties AND, to throw salt in the wound, interest on your money to borrow your savings from yourself! All this is avoided painlessly with the Roth IRA!!!

Don't delay in opening your Roth IRA. If you exceed certain income limits you can neither contribute to nor roll over other IRA money into a Roth account. If you opened a Roth while you were under the income limits but then later earn more, your Roth account will still earn money tax-free that you can take out later without tax implications, but no new contributions are allowed. You must have your Roth account open for at least five years before you can take a penalty free distribution of earnings. Distributions of principal and earnings without penalty can be taken after age 59� but your better open the account well befor you reach this age. SO DON'T DELAY IN OPENING A ROTH IRA AS SOON AS YOU CAN AND PUT YOUR GOLDEN NEST EGG IN PLACE!

The Roth is kind of weird until you get used to it in terms of how much you can put in (contribute) each year depending on how much you earn (compensation). Because of this you really have two limits, one dealing with your compensation and the other dealing with your contribution. Let me explain.

The first Roth IRA limit has to do with compensation, in other words you have to be making some money somewhere. As mentioned, you must have some form of compensation to qualify to make a contribution, but there is also an income limit that says whether or not you can put money in; make a contribution. If your adjusted gross income exceeds these limits, you are no longer eligible to contribute to a Roth IRA. In 2004, the adjusted gross income limits were:

>>> If your tax filing status is �Married Filing Jointly� - $160,000
>>> If your tax filing status is �Married Filing Separately� (and you live with your spouse) - $100,000
>>> If your tax filing status is �Single�, �Head of Household� or �Married Filing Separately� (and you did not live with your spouse during the year) - $110,000

Now, here is a little known totally legal secret that is WELL worth your time reading this article. When I taught investments at the University of South Carolina I gave 10% credit of the course grade for the simple act of opening a Roth IRA. I was amazed when a few students would not open one because their parents had told them it was illegal to if they did not have a job. I told them that they were going nowhere fast if they could not think creatively enough to just go mow a lawn somewhere for ten bucks and put it into the account. I made it clear to them that wealthy people become rich by taking action immediately instead of just sitting around daydreaming about taking action they know they need to take!

The best application of this concept I ever heard was a real estate investor that wanted to open a Roth for his newborn son. The problem of proving that a newborn makes money in a job is a tough one even for my noodle but this fellow came up with a great idea. He took a photo of the baby and put it on the business card with the words; �Help my dad finance my education by buying a home from him because he is the best dad in the whole world!� Then he paid the baby, get this "modeling fees!" He put those fees straight into the account and filed a return for the baby with the IRS. I love that story! Talk about creative! This is the kind of "act now" person that is more likely to become wealthy. This is also the only newborn I have heard of with a tax free stock portfolio from earnings off his own job!

The second Roth IRA limit has to do with how much you can contribute to your account. Below is a table that outlines the contribution limits established for the next several years:
>>> 2004 - $3,000 ($3,500 if you are age 50 and above)
>>> 2005 - $4,000 ($4,500 if you are age 50 and above)
>>> 2006 - $4,000 ($5,000 if you are age 50 and above)
>>> 2007 - $4,000 ($5,000 if you are age 50 and above)
>>> 2008 - $5,000 ($6,000 if you are age 50 and above)

If you need more information about Roth IRAs, you should consult a tax professional, concerning your specific situation, such as a Certified Public Accountant or Certified Financial Planner. You can also get more information directly if you take a look at IRS publication 590 - Individual
Retirement Arrangements.

Using a Roth is the #1 best trading account to use while base invading in the stock market using the techniques to buy low and sell high that I teach you in my course �The Blue-Collar Base Bonanza � What the insiders [definitely] don�t want you to know!� You can get more information on my website at http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=3&c=229.

OUR MISSION:
The mission of the Delano Max Wealth Institute is to guide investors toward a secure retirement with the peace of mind that comes from the elimination of fear of investing and recognition of abundance within us instead of perception of lack in the world outside of us. We are driven by compassion for our fellow sentient beings, not fear of them, recognizing the equality and self evident rights of all, and are committed to conducting business based on the principles of the golden rule. Because of this commitment, we promise the following: To teach our students in the most simple, plain language wherever possible. To teach our students how to save consistently in increasing increments with increasing wealth: To teach our students how to diversify: To teach our students how to avoid large losses as best we know how: To teach our students how to turn away anything that sounds too good to be true: To share every secret we know about investing with investors who participate in our trainings. Finally, the Delano Max Wealth Institute promises to lead the way with innovative courses and seminars, bringing benefits to all who are associated with us.

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=229&p=0575

Abundancia Financiera, powerful stock investing strategies...

2005-08-22T14:16:00.000-04:00

Hello Abundancia Financiera:

The teleconference a couple of weeks ago sparked so much interest in my stock investment course that we have created a fr-ee informational CD that you can receive for a very small shipping and handling charge. This is a special offer that ends when we run out of CDs.

http://www.walletdoctor.com/stockcd.htm

The Cd comes with three free bonuses as well:

� Bonus #1: Free Report -
� Bonus #2: Free One-on-One Strategy Consultation
� Bonus #3: You'll be entitled to a FREE membership in Dr. Scott Brown's online newsletter called "Bulletproof Stock Investing"

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Here is a testimonial of what I can do for you:
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You will find all the information about this offer at:

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Thanks again for all of the interest and support! There really can be a bright and wealthy future for all of you, who just reach out and grab it,

Dr. Scott Brown, Ph.D.
"The Wallet Doctor"

If you wish to cancel your subscription, simply click once on the link below.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=229&p=0575

BULLETPROOF STOCK INVESTING FREE CD OFFER�

2005-08-20T15:27:00.000-04:00

Hello everyone:

The teleconference a couple of weeks ago sparked so much interest in my stock investment course that we have created a free informational CD that you can receive for a very small shipping and handling charge. This is a special offer that ends when we run out of CDs. You will find all the information about this offer at:

http://www.walletdoctor.com/stockcd.htm

Thanks again for all of the interest and support! There really can be a bright and wealthy future for all of you, who just reach out and grab it,

Dr. Scott Brown, Ph.D.
�The Wallet Doctor�

WHAT IS THE ROTH IRA?

2005-08-17T01:03:00.000-04:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 5
Dr. Scott Brown, Ph.D.

WHAT IS THE ROTH IRA?

OUR MISSION:
The mission of the Delano Max Wealth Institute is to guide investors toward a secure retirement with the peace of mind that comes from the elimination of fear of investing and recognition of abundance within us instead of perception of lack in the world outside of us. We are driven by compassion for our fellow sentient beings, not fear of them, recognizing the equality and self evident rights of all, and are committed to conducting business based on the principles of the golden rule. Because of this commitment, we promise the following: To teach our students in the most simple, plain language wherever possible. To teach our students how to save consistently in increasing increments with increasing wealth: To teach our students how to diversify: To teach our students how to avoid large losses as best we know how: To teach our students how to turn away anything that sounds too good to be true: To share every secret we know about investing with investors who participate in our trainings. Finally, the Delano Max Wealth Institute promises to lead the way with innovative courses and seminars, bringing benefits to all who are associated with us.

If you wish to cancel your subscription, simply click once on the link below.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=229&p=0575

THANKS TO ALL WHO LISTENED IN ON THE FREE WALLET DOCTOR EZINE TELESEMINAR LAST THURSDAY!

2005-08-13T17:52:00.000-04:00

Hello everyone!

The teleseminar last Thursday night was a resounding success and I want thank the many people that joined in on the call. I am also very pleased that so many people have expressed that they have a much better understanding of what makes the stock markets work. At some time in the next few weeks I will be interviewing Scott Powell, CPA. Scott is the most astute accountant I have had the pleasure to interact with. What makes him so unique is that he is also an active investor and knows many asset protection and tax minimization strategies that most other accountants have not taken the time to learn.

I told everyone on the Thursday call that it is your obligation as an American citizen to minimize the taxes that you legally have to pay. In other words you should take advantage of every legal deduction available. I also told you about some accounting professors who believe that people should pay MORE taxes to help pay for some social good they think the government can provide that they have invented in their deluded minds. Not all accountants are created equal and the one you select will have a big impact on your wealth. I also stated that I am confident that this type of person will never become wealthy! My response to these poor accountants is that the LESS money we put in the hands of bureaucrats the MORE efficient our economy is.

I have already had a lot of subscribers to the Wallet Doctor express great interest in the upcoming call with Mr. Powell. He will be explaining to people how to minimize taxes as investors. He will also explain alternatives such as the SEP and SIMPLE IRA that exist for people that earn more than the mid $100,000.00 salary that prohibits them from contributing or opening a Roth IRA; the best savings and investing account in the land. This will be a call nobody should miss if they are serious about becoming wealthy. Many wealthy businessmen seek out Mr. Powell�s advice daily and this caliber of an accountant would not normally be accessible to some of you who are just starting out. I will let you all know when we are going to hold the call just make sure you are on the line for the next free Wallet Doctor teleseminar!

Be there or be square and don�t forget to always have fun,

Dr. Scott Brown, Ph.D. a.k.a. �The Wallet Doctor�

10 MINUTES UNTIL THE FREE WALLET DOCTOR EZINE TELESEMINAR STARTS!

2005-08-11T20:48:00.000-04:00

Hello everyone!

This is to remind you that the free �The Wallet Doctor� ezine teleseminar starts in ten minutes tonight at 9:00 PM EST. Just call 212-990-8000 and punch in your pin: 9275

If you call in on a cellular phone or have a lot of noise in the background make sure that you press *6 to mute your line.

Please join us on the call,

Dr. Scott Brown, Ph.D.

1 HOUR UNTIL THE FREE WALLET DOCTOR EZINE TELESEMINAR STARTS!

2005-08-11T19:58:00.000-04:00

Hello everyone!

This is to remind you that the free �The Wallet Doctor� ezine teleseminar starts in one hour tonight at 9:00 PM EST. Just call 212-990-8000 and punch in your pin: 9275

If you call in on a cellular phone or have a lot of noise in the background make sure that you press *6 to mute your line.

Please join us on the call,

-Scott

YOU ARE INVITED TO JOIN TOMORROW�S FREE WALLET DOCTOR EZINE TELESEMINAR!

2005-08-10T09:06:00.000-04:00

Hello everyone!

This is to remind you about the free �The Wallet Doctor� ezine teleseminar tomorrow on Thursday, August 11th at 9:00 PM EST. Just call 212-990-8000 and punch in your pin: 9275

If you call in on a cellular phone or have a lot of noise in the background make sure that you press *6 to mute your line.

Tomorrow�s focus will be on the stock market. Please think about any questions you may have. I am an expert in the area of personal finance and investing. I hold a Ph.D. in finance specializing in investment markets. Most importantly I have many years experience as an investor. Many people come to me for help after they have learned to invest incorrectly from a course sold to them from a crafty marketer who projects a �guru� investor image but teaches material that does not work. Learn from me first and you will know how to spot the fraudsters.

I am getting a lot of questions about 401(k) allocations and welcome any questions in that arena. To help you specifically in that regard I have created a blog for you called �Optimize Your 401(k)!� at:

http://optimize-your-401k.blogspot.com/

Your needs are important to me and you can help me, help you, by posting any specific questions you may have on the ezine blog �The Wallet Doctor Is In!� at:

http://thewalletdoctor.blogspot.com/

I look forward to personally meeting all of you on the phone call. This is an exciting time to be learning to manage your finances and invest in the stock market. There is an abundant wealth of opportunity out there for ALL of us if we just seek it out together!

Please join us on the call,

Dr. Scott Brown, Ph.D.

WHAT IS A TRADITIONAL IRA?

2005-08-08T01:02:00.000-04:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 4
Dr. Scott Brown, Ph.D.

WHAT IS A TRADITIONAL IRA?

With a traditional Investment Retirement Account (IRA) you pay taxes when you take the money out at retirement in the future. Make sure that this account is really worth opening in your situation because what you put in the account today may be fully deductible, partially deductible or non deductible, depending upon your income and other retirement coverage. If you contributions are not fully deductible then this account is probably not for you.

The traditional (and Roth IRAs) allow you to save $3,000.00 in 2004 and $4,000.00 in 2005. If you are over 50 years old you can save an additional $500.00 as catch-up. You put the maximum amount in if you (or your spouse) are not covered at any time during the tax year by a retirement plan, including a 401(k) account, at work. If you can�t afford to save the maximum then just do the best that you can.

If you are single or a head-of-household taxpayer with annual adjusted gross income (AGI) between $40,000 and $50,000 and are eligible for a company retirement plan, your deduction will be reduced. Deductions are also limited for married couples filing jointly or qualifying widows or widowers who earn from $60,000 to $70,000 per year.

Even if you don�t have a retirement plan at work, your deduction may be limited if your spouse, with whom you file a joint return, has a company pension plan. In this case, your deduction will be reduced if your joint income is between $150,000 and $160,000. No deduction is allowed if your AGI exceeds $160,000. If you have a non-working spouse, he or she can contribute up to $3,000 ($3,500 if 50 or older) to an IRA also as long as the two of you together make at least as much in annual income as you contribute.

As I said before profits and income from investments are not taxed until you retire and begin withdrawing funds. You can pay capital gains taxes on you stock market profits and then withdraw funds, without penalty, after you reach age 59�. If you take out money before then, you usually will face a 10 percent penalty, plus taxes on the withdrawn amount. Under certain circumstances, you can take penalty-free distributions before age 59�. In the year that you will turn 70� you can no longer make contributions to your account. In fact, at that age you must start withdrawing money from the traditional IRA or face additional penalties. If you already have a traditional IRA you can learn how to buy stocks low and sell them back high in my course �The Blue-Collar Base Bonanza � What the insiders [definitely] don�t want you to know!� You can get more course information on my website at www.BonanzaBase.com.

This account is ideal for individuals in high tax brackets who cannot open or contribute to a Roth IRA and anticipate facing a lower tax bracket upon retirement. In other words, if you earn a lot of money now, pay a lot of taxes, can open a standard Roth IRA, and take the full deduction when you contribute then this account may be good for you. This is especially true if you anticipate low income in your retirement years such that you will also be in a lower tax bracket.

OUR MISSION:
The mission of the Delano Max Wealth Institute is to guide investors toward a secure retirement with the peace of mind that comes from the elimination of fear of investing and recognition of abundance within us instead of perception of lack in the world outside of us. We are driven by compassion for our fellow sentient beings, not fear of them, recognizing the equality and self evident rights of all, and are committed to conducting business based on the principles of the golden rule. Because of this commitment, we promise the following: To teach our students in the most simple, plain language wherever possible. To teach our students how to save consistently in increasing increments with increasing wealth: To teach our students how to diversify: To teach our students how to avoid large losses as best we know how: To teach our students how to turn away anything that sounds too good to be true: To share every secret we know about investing with investors who participate in our trainings. Finally, the Delano Max Wealth Institute promises to lead the way with innovative courses and seminars, bringing benefits to all who are associated with us.

If you wish to cancel your subscription, simply click once on the link below.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=229&p=0575

YOU ARE INVITED TO JOIN THE FREE WALLET DOCTOR EZINE TELESEMINAR!

2005-08-07T08:45:00.000-04:00

Hello everyone!

This e-mail is to announce the upcoming free �The Wallet Doctor� ezine teleseminar on Thursday, August 11th at 9:00 PM EST. Just call 212-990-8000 and punch in your pin: 9275

If you call in on a cellular phone or have a lot of noise in the background make sure that you press *6 to mute your line.

I will be discussing personal finance and investing issues. Please start to think about any questions you may have. I am an expert in the area of personal finance and investing. I hold a Ph.D. in finance specializing in investment markets. For instance, I am getting a lot of questions about 401(k) allocations and welcome any questions in that arena. To help you specifically in that regard I have created a blog for you called �Optimize Your 401(k)!� at:

http://optimize-your-401k.blogspot.com/

Your needs are important to me and you can help me, help you, by posting any specific questions you may have on the ezine blog �The Wallet Doctor Is In!� at:

http://thewalletdoctor.blogspot.com/

Please join us on the call,

Dr. Scott Brown, Ph.D.

If you wish to cancel your subscription, simply click once on the link below.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=229&p=0575

WHAT IS AN INVESTMENT RETIREMENT ACCOUNT?

2005-08-06T01:01:00.000-04:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 3
Dr. Scott Brown, Ph.D.

WHAT IS AN INVESTMENT RETIREMENT ACCOUNT?

Let me tell you about some legal ways to avoid getting taxed on profits from the stock market. You can make a lot of money now with the stock market as low as it is at this time as I teach you in my home study course. The very best way is to buy and sell your stock through Individual Retirement Accounts (IRAs). IRAs can help you legally avoid taxes and add a fantastic boost to your retirement plans. The IRA was originally developed in 1974 for people not covered by a company pension plan. "The individual retirement account legislation allowed the average person a chance to put money into a tax-advantaged account," according to Bruce Grace, a Chartered Financial Analyst and Assistant Professor of Finance at Morehead State University.

This is a huge benefit to individuals, regardless of whether they have company-established pension plans or not. "The Roth IRA may be an even a better deal for those who think they will be in a higher tax bracket at retirement," Grace added. I personally go a step further and mean it when I tell you that �the Roth Ira is literally the best thing since sliced bread� and I guarantee you is �neater than peanut butter�.

It may seem a little confusing because since the original enactment of IRA legislation, several types of IRAs have been developed with a variety of characteristics that can meet your investment and retirement needs. Let�s go over the different flavors in the next few editions because as an investor you really need to know what is available to you.

If you really want to learn the basics all the way up to the academic foundations of how to invest wisely in the stock market I recommend my course. If you have not already done so, please visit my website BonanzaBase.com for my detailed information concerning my home-study stock investment course �The Blue-Collar Base Bonanza�what the insiders [definitely] don�t want you to know about the stock market.�

OUR MISSION:
The mission of the Delano Max Wealth Institute is to guide investors toward a secure retirement with the peace of mind that comes from the elimination of fear of investing and recognition of abundance within us instead of perception of lack in the world outside of us. We are driven by compassion for our fellow sentient beings, not fear of them, recognizing the equality and self evident rights of all, and are committed to conducting business based on the principles of the golden rule. Because of this commitment, we promise the following: To teach our students in the most simple, plain language wherever possible. To teach our students how to save consistently in increasing increments with increasing wealth: To teach our students how to diversify: To teach our students how to avoid large losses as best we know how: To teach our students how to turn away anything that sounds too good to be true: To share every secret we know about investing with investors who participate in our trainings. Finally, the Delano Max Wealth Institute promises to lead the way with innovative courses and seminars, bringing benefits to all who are associated with us.

If you wish to cancel your subscription, simply click once on the link below.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=229&p=0575

IS REAL ESTATE INVESTING RIGHT FOR YOU?

2005-08-03T01:02:00.000-04:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 2
Dr. Scott Brown, Ph.D.

IS REAL ESTATE INVESTING RIGHT FOR YOU?

You have probably been hearing, seeing, and reading that real estate investing is the best thing since sliced bread. There are many late night cable television infomercials spewing out sales pitches for courses that teach you how to buy residential real estate no money down or for next to nothing. Furthermore, polished pitch men on the advertisement emphasize that it is so easy that anybody can do it. They smugly show you that it is simple as they pencil out on the back of a napkin how you will supposedly make a fortune in real estate. Then these real estate investment course promoters show �actual� interviews of people who have reportedly made gobs of money with the course system.
Although it is true that fortunes can be made in real estate it is actually more likely that it will be the guru owner of the real estate course than you! The reason is that real estate investing is a lot harder than most people realize. When you buy, rent, and sell real estate as opposed to stocks you are dealing directly with people and there is not organized exchange to keep things standardized. Don�t forget that courts see it as their duty to protect the shelter of families even if they are non paying renters who are total deadbeats. Another problem is that many contractors who do odd fix up jobs for real estate rehabbers are drifters with as many personal and financial problems as bad tenants. They damage houses and are down the street as soon as they get a little cash out of the hapless real estate investor.
It also takes many years to learn how to properly assess value in a town or neighborhood and get the required experience in real estate closings to not have the big profits you initially think you see in a deal leak out. The key point of this edition of the �Wallet Doctor� is that real estate investing is a business. Like any other business it requires constant dedication and education. If you work full time it means losing your free time to your rentals and rehabs. If a property doesn�t sell or if the tenant doesn�t pay you will have to lose part of your salary to cover the mortgage. You should enjoy your regular full time job because you selected it. If you prefer cookouts and trips to the beach over collecting rent and repairing your residential real estate investment then the stock market is a better place for you.

Ps. If you are interested in real estate investing I have a list of reliable real estate investing courses as well on my website!

OUR MISSION:
The mission of the Delano Max Wealth Institute is to guide investors toward a secure retirement with the peace of mind that comes from the elimination of fear of investing and recognition of abundance within us instead of perception of lack in the world outside of us. We are driven by compassion for our fellow sentient beings, not fear of them, recognizing the equality and self evident rights of all, and are committed to conducting business based on the principles of the golden rule. Because of this commitment, we promise the following: To teach our students in the most simple, plain language wherever possible. To teach our students how to save consistently in increasing increments with increasing wealth: To teach our students how to diversify: To teach our students how to avoid large losses as best we know how: To teach our students how to turn away anything that sounds too good to be true: To share every secret we know about investing with investors who participate in our trainings. Finally, the Delano Max Wealth Institute promises to lead the way with innovative courses and seminars, bringing benefits to all who are associated with us.

If you wish to cancel your subscription, simply click once on the link below.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=229&p=0575

WHY THE FINANCIAL NEWS MEDIA CAN COST YOU MONEY!

2005-08-02T01:00:00.000-04:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 1
Dr. Scott Brown, Ph.D.

WHY THE FINANCIAL NEWS MEDIA CAN COST YOU MONEY!

The communication innovations we have around us today like the internet, financial newspapers, and special interest television channels focused on investing like CNBC are a high speed pipeline of nonsensical chatter. All these sources of information mean that there is no shortage of media people trying to answer our questions about the stock market and specific stocks. You have to remember that the news media are constantly competing to survive against other stuff you can watch. If they don�t always sound like they know exactly what is going on then you won�t watch their presentations. If you don�t tune into their show then their ratings go down. If their ratings go down they get fired and their show gets cancelled.
This means that financial journalists are in the business of finding great stories and sounding like authorities no matter what. The stock market is a great place for them to dig up news �scoops� to feed to the public. They don�t really check their facts very well and sometimes not at all. This means that if some insider wants to feed you a line of bull manure then all they have to do is maintain good connections with financial journalists, sponsor an investment show, or outright buy an investing TV channel like Jack Welsh the CEO of GE did when he set up CNBC. What a great way for inside executives to control the flow of news information to the public then to actually own one of the only financial news channels�but not so great for you!
These journalists also kick up the fire by bringing in so-called �experts� to talk about each side of some topic that real experts would not consider important. This just makes it all the more confusing for the public to understand what is important when buying or selling a stock. Shows on CNBC like �Closing Bell�, �Kudlow & Company�, and �Mad Money� do nothing but confuse and misdirect the attention of most individual investors in the public. Even worse this means that the financial news media allows overpriced stocks to be recommended through analysts in the inside web that inside executives are dumping on the public because they are trying to get out. This actually happened at the top of the bull market in 1999. For a great historical description of what happened read Maggie Mahar�s book entitled �Bull.�
The famous Yale University Economist, Prof. Bob Shiller, Ph.D. is particularly harsh on the media in his book �Irrational Exuberance.� Dr. Shiller is one the economists that Alan Greenspan respects most and where he got the term �Irrational Exuberance.� He portrays the media as sound-bite-driven where superficial opinions are preferred over in-depth analyses. I agree whole heartedly with him and contend that it is also done just because the industry would rather have the retail investor confused and emotionally pliable to get you to buy and sell when they want with total disregard for your best interests!
People who had invested their life savings in the stock market were ripped off in the stock market because the financial news media and analysts were hyping up what a great buy stocks were at the very top of the market in 1999 and 2000. At the same time inside corporate executives were selling out everything they had. What is amazing is that our federal government in the form of the Security Exchange Commission never did a thing about it. There was never an blanket case taken or an outcry that almost all of the inside executives had somehow magically sold out of the market six months before the market crashed.
Here is the valuable tip I want you to consider in this issue of �The Wallet Doctor�: when you are a beginner investor it is important that you DO NOT WATCH THE FINANCIAL NEWS OR READ THE FINANCIAL NEWSPAPERS! Don�t let the stock market industry lead you around by the nose like livestock to the slaughter house. Don�t listen to what they want you to listen to. You should focus on learning what is important in the stock market and the mass media will only confuse you until you have educated yourself.
I encourage you to educate yourself by reading books that are timely and well written concerning the central them of each issue of my newsletter.
This issue�s recommended reading is:
1. Mahar, M. Bull! A History of the Boom, 1929-1999 (New York, HarperBusiness , 2003)
2. Shiller, R., Irrational Exhuberance, (New York, Broadway Books, 2000)

I wish you the great abundance in your life you deserve because of what you are and don�t forget that happiness is found only in the precious present moment!
-Scott

OUR MISSION:
The mission of the Delano Max Wealth Institute is to guide investors toward a secure retirement with the peace of mind that comes from the elimination of fear of investing and recognition of abundance within us instead of perception of lack in the world outside of us. We are driven by compassion for our fellow sentient beings, not fear of them, recognizing the equality and self evident rights of all, and are committed to conducting business based on the principles of the golden rule. Because of this commitment, we promise the following: To teach our students in the most simple, plain language wherever possible. To teach our students how to save consistently in increasing increments with increasing wealth: To teach our students how to diversify: To teach our students how to avoid large losses as best we know how: To teach our students how to turn away anything that sounds too good to be true: To share every secret we know about investing with investors who participate in our trainings. Finally, the Delano Max Wealth Institute promises to lead the way with innovative courses and seminars, bringing benefits to all who are associated with us.

If you wish to cancel your subscription, simply click once on the link below.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=229&p=0575

Welcome From The Wallet Doctor!

2005-08-01T10:15:00.000-04:00

WELCOME TO THE WALLET DOCTOR!

You will now begin receiving my free weekly newsletter. If you should wish to unsubscribe you can do so in each e-mail or at the newsletter website WalletDoctor.com. A lot of people ask me why I named this newsletter �The Wallet Doctor.�

I always explain to them that it is a family joke. My father was an Optometric doctor and my mom used to tell people that she was married to a real doctor not a Ph.D. Of course her tune changed after I began pursuing a Ph.D. in finance; one of the most difficult to obtain.

One day she was bragging that I was soon to be a doctor and the person she was bragging to asked her what health specialty I was in. I saved her by jumping in saying; �let�s put it this way, if someone had a heart attack on an airliner with me on board and the stewardess called out; �is there a doctor on board?� I would immediately jump of my seat, run over, and snap out; quick open his wallet! It was a good laugh and from that day on she jokes to people that I am a wallet doctor!

I have created the "Wallet Doctor Blog" at http://TheWalletDoctor.blogspot.com for all of us to discuss wealth building related stuff. You can post your thoughts there as well. Once again, welcome and I want to congratulate you on taking your first step toward greater wealth in you life!

Warmest regards,

Dr. Scott Brown, Ph.D.

If you wish to cancel your subscription, simply click once on the link below.
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2005-08-01T09:48:00.000-04:00

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posted by www.WalletDoctor.com at 12:05 PM | 0 comments

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THE BIG SECRET THE MUTUAL FUNDS DON’T WANT YOU TO KNOW…INDEXING!
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A SAFE HARBOR FOR MUTUAL FUND PIRATES!
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http://www.article-directory.net/Article/1643.html
MUTUAL FUNDS: THE MODERN DEN OF THEIVES!
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BAD NEWS - WHY THE FINANCIAL NEWS MEDIA CAN COST YOU MONEY!
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SAFELY SAVE FOR YOUR CHILD’S UNIVERSITY STUDIES USING AN EDUCATION IRA!
http://www.article-directory.net/Article/1581.htmlSAFELY FINANCE YOUR CHILD’S UNIVERSITY STUDIES USING AN EDUCATION IRA!
http://www.article-directory.net/Article/1580.html
THE PATH LESS TRADED…THE SPIRITUAL ROAD TO FINANCIAL ABUNDANCE!
http://www.article-directory.net/Article/1540.html
A SECRET HOME BASED BUSINESS…LONG TERM STOCK INVESTING!
http://www.article-directory.net/Article/1541.html
THE TRUTH ABOUT REAL ESTATE INVESTING…IS IT RIGHT FOR YOU?
http://www.article-directory.net/Article/1576.html
DON’T LET MUTUAL FUND NAMES FOOL YOU OUT OF YOUR RETIREMENT!
http://www.article-directory.net/Article/1653.html
FINANCIAL ABUNDANCE AND PEACE OF MIND ARE ONE!
http://www.article-directory.net/Article/1641.html
DISCOVER THE FOUNDATION OF RETIRING WEALTHY…THE IRA!
http://www.article-directory.net/Article/1577.html

posted by www.WalletDoctor.com at 11:20 AM | 0 comments

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posted by www.WalletDoctor.com at 10:31 AM | 0 comments

MY ARTICLES THAT HAVE BEEN RECENTLY FEATURED AT GOARTICLES.COM:

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posted by www.WalletDoctor.com at 9:57 AM | 0 comments

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posted by www.WalletDoctor.com at 9:24 AM | 0 comments

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posted by www.WalletDoctor.com at 8:29 AM | 0 comments

WHY THE FINANCIAL NEWS MEDIA CAN COST YOU MONEY!

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 1
Dr. Scott Brown, Ph.D.

WHY THE FINANCIAL NEWS MEDIA CAN COST YOU MONEY!

The communication innovations we have around us today like the internet, financial newspapers, and special interest television channels focused on investing like CNBC are a high speed pipeline of nonsensical chatter. All these sources of information mean that there is no shortage of media people trying to answer our questions about the stock market and specific stocks. You have to remember that the news media are constantly competing to survive against other stuff you can watch. If they don�t always sound like they know exactly what is going on then you won�t watch their presentations. If you don�t tune into their show then their ratings go down. If their ratings go down they get fired and their show gets cancelled.
This means that financial journalists are in the business of finding great stories and sounding like authorities no matter what. The stock market is a great place for them to dig up news �scoops� to feed to the public. They don�t really check their facts very well and sometimes not at all. This means that if some insider wants to feed you a line of bull manure then all they have to do is maintain good connections with financial journalists, sponsor an investment show, or outright buy an investing TV channel like Jack Welsh the CEO of GE did when he set up CNBC. What a great way for inside executives to control the flow of news information to the public then to actually own one of the only financial news channels�but not so great for you!
These journalists also kick up the fire by bringing in so-called �experts� to talk about each side of some topic that real experts would not consider important. This just makes it all the more confusing for the public to understand what is important when buying or selling a stock. Shows on CNBC like �Closing Bell�, �Kudlow & Company�, and �Mad Money� do nothing but confuse and misdirect the attention of most individual investors in the public. Even worse this means that the financial news media allows overpriced stocks to be recommended through analysts in the inside web that inside executives are dumping on the public because they are trying to get out. This actually happened at the top of the bull market in 1999. For a great historical description of what happened read Maggie Mahar�s book entitled �Bull.�
The famous Yale University Economist, Prof. Bob Shiller, Ph.D. is particularly harsh on the media in his book �Irrational Exuberance.� Dr. Shiller is one the economists that Alan Greenspan respects most and where he got the term �Irrational Exuberance.� He portrays the media as sound-bite-driven where superficial opinions are preferred over in-depth analyses. I agree whole heartedly with him and contend that it is also done just because the industry would rather have the retail investor confused and emotionally pliable to get you to buy and sell when they want with total disregard for your best interests!
People who had invested their life savings in the stock market were ripped off in the stock market because the financial news media and analysts were hyping up what a great buy stocks were at the very top of the market in 1999 and 2000. At the same time inside corporate executives were selling out everything they had. What is amazing is that our federal government in the form of the Security Exchange Commission never did a thing about it. There was never an blanket case taken or an outcry that almost all of the inside executives had somehow magically sold out of the market six months before the market crashed.
Here is the valuable tip I want you to consider in this issue of �The Wallet Doctor�: when you are a beginner investor it is important that you DO NOT WATCH THE FINANCIAL NEWS OR READ THE FINANCIAL NEWSPAPERS! Don�t let the stock market industry lead you around by the nose like livestock to the slaughter house. Don�t listen to what they want you to listen to. You should focus on learning what is important in the stock market and the mass media will only confuse you until you have educated yourself.
I encourage you to educate yourself by reading books that are timely and well written concerning the central them of each issue of my newsletter.
This issue�s recommended reading is:
1. Mahar, M. Bull! A History of the Boom, 1929-1999 (New York, HarperBusiness , 2003)
2. Shiller, R., Irrational Exhuberance, (New York, Broadway Books, 2000)

I wish you the great abundance in your life you deserve because of what you are and don�t forget that happiness is found only in the precious present moment!
-Scott

OUR MISSION:
The mission of the Delano Max Wealth Institute is to guide investors toward a secure retirement with the peace of mind that comes from the elimination of fear of investing and recognition of abundance within us instead of perception of lack in the world outside of us. We are driven by compassion for our fellow sentient beings, not fear of them, recognizing the equality and self evident rights of all, and are committed to conducting business based on the principles of the golden rule. Because of this commitment, we promise the following: To teach our students in the most simple, plain language wherever possible. To teach our students how to save consistently in increasing increments with increasing wealth: To teach our students how to diversify: To teach our students how to avoid large losses as best we know how: To teach our students how to turn away anything that sounds too good to be true: To share every secret we know about investing with investors who participate in our trainings. Finally, the Delano Max Wealth Institute promises to lead the way with innovative courses and seminars, bringing benefits to all who are associated with us.

COPYRIGHT
The material in this site and newsletter is provided for personal, non-commercial, educational and informational purposes only and does not constitute a recommendation or endorsement with respect to any company or product. TheWalletDoctor.com and The Delano Max Wealth Institute makes no representations and specifically disclaims all warranties, express, implied or statutory, regarding the accuracy, timeliness, completeness, merchantability or fitness for any particular purpose of any material contained in this site. You should seek the advice of a professional regarding your particular situation.
� 2005 TheWalletDoctor.com and The Delano Max Wealth Institute, LLC.

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posted by www.WalletDoctor.com at 1:00 AM | 0 comments

Friday, July 29, 2005
MY ARTICLES THAT HAVE BEEN RECENTLY FEATURED AT IDEAMARKETERS.COM:

A REMAKE OF THE STING; THE MODERN DAY MUTUAL FUND!
http://www.ideamarketers.com/library/article.cfm?articleid=51683
A SAFE HARBOR FOR MUTUAL FUND PIRATES!
http://www.ideamarketers.com/library/article.cfm?articleid=51688
A SECRET HOME BASED BUSINESS…LONG TERM STOCK INVESTING!
http://www.ideamarketers.com/library/article.cfm?articleid=51139
ANNOUNCING A HIDDEN SECRET OF HOW EVEN A NEWBORN BABY CAN OPEN A ROTH IRA!
http://www.ideamarketers.com/library/article.cfm?articleid=51428
BAD NEWS - WHY THE FINANCIAL NEWS MEDIA CAN COST YOU MONEY!
http://www.ideamarketers.com/library/article.cfm?articleid=50989
DISCOVER THE FOUNDATION OF RETIRING WEALTHY…THE IRA!
http://www.ideamarketers.com/library/article.cfm?articleid=51423
DISCOVER THE RETIREMENT BREAKTHROUGH ... ROTH IRA!
http://www.ideamarketers.com/library/article.cfm?articleid=51425
DON’T LET MUTUAL FUND NAMES FOOL YOU OUT OF YOUR RETIREMENT!
http://www.ideamarketers.com/library/article.cfm?articleid=51692
FINANCIAL ABUNDANCE AND PEACE OF MIND ARE ONE!
http://www.ideamarketers.com/library/article.cfm?articleid=51669
MUTUAL FUND PERFORMANCE AND WHY THERE ARE NO DICE COUNTERS IN VEGAS!
http://www.ideamarketers.com/library/article.cfm?articleid=51690
MUTUAL FUNDS SNARE THE PUBLIC IN A HIDDEN TAX TRAP!
http://www.ideamarketers.com/library/article.cfm?articleid=51686
MUTUAL FUNDS: THE MODERN DEN OF THEIVES!
http://www.ideamarketers.com/library/article.cfm?articleid=51675
SAFELY PROTECT YOUR DREAM OF RETIRING WEALTHY THROUGH A HOME BUSINESS!
http://www.ideamarketers.com/library/article.cfm?articleid=51431
SECRET FEES MAKE MUTUAL FUNDS BILLIONS AT YOUR EXPENSE!
http://www.ideamarketers.com/library/article.cfm?articleid=51685
SOUND ADVICE TO SAVE NOW FOR YOUR CHILD'S EDUCATION USING AN EDUCATION IRA!
http://www.ideamarketers.com/library/article.cfm?articleid=51429
SUPER-CHARGE YOUR DREAM OF RETIRING RICH WITH THE ROTH 401(K)!
http://www.ideamarketers.com/library/article.cfm?articleid=51432
THE 401(K): HOW THE INSIDER HAS STOLEN YOUR RETIREMENT!
http://www.ideamarketers.com/library/article.cfm?articleid=51677
THE BIG SECRET THE MUTUAL FUNDS DON’T WANT YOU TO KNOW…INDEXING!
http://www.ideamarketers.com/library/article.cfm?articleid=51689
THE PATH LESS TRADED…THE SPIRITUAL ROAD TO FINANCIAL ABUNDANCE!
http://www.ideamarketers.com/library/article.cfm?articleid=51136
THE TRUTH ABOUT REAL ESTATE INVESTING…IS IT RIGHT FOR YOU?
http://www.ideamarketers.com/library/article.cfm?articleid=51421
WEALTHY RETIREMENT SECRET FOR A HOME BASED BUSINESS!
http://www.ideamarketers.com/library/article.cfm?articleid=51430
WHAT IS A TRADITIONAL IRA?
http://www.ideamarketers.com/library/article.cfm?articleid=51424
WHAT THE SEC REALLY THINKS ABOUT MUTUAL FUNDS!
http://www.ideamarketers.com/library/article.cfm?articleid=51682

posted by www.WalletDoctor.com at 8:43 PM | 0 comments

MY ARTICLES RECENTLY POSTED AT WWW.EZINEARTICLES.COM:

A Safe Port For Mutual Funds But Not You!
http://www.ezinearticles.com/?A-Safe-Port-For-Mutual-Funds-But-Not-You!&id=54563
A Secret Home Based Business: Long Term Stock Investing!
http://www.ezinearticles.com/?A-Secret-Home-Based-Business:-Long-Term-Stock-Investing!&id=52971
Almost Anyone Can Open A Roth IRA!
http://www.ezinearticles.com/?Almost-Anyone-Can-Open-A-Roth-IRA!&id=54541
Bad News - Why The Financial News Media Can Cost You Money!
http://www.ezinearticles.com/?Bad-News---Why-The-Financial-News-Media-Can-Cost-You-Money!&id=52673
Caveat Emptor: You May Owe Taxes Despite 401(K) Losses!
http://www.ezinearticles.com/?Caveat-Emptor:-You-May-Owe-Taxes-Despite-401(K)-Losses!&id=54560
Discover Safe and Easy Way Your Home Based Business can Protect Your Dreams of Retiring Wealthy!
http://www.ezinearticles.com/?Discover-Safe-and-Easy-Way-Your-Home-Based-Business-can-Protect-Your-Dreams-of-Retiring-Wealthy!&id=53517
Discover the Foundation of Retiring Wealthy - The IRA!
http://www.ezinearticles.com/?Discover-the-Foundation-of-Retiring-Wealthy---The-IRA!&id=54538
Discover the Retirement Breakthrough the Federal Government Created for You - The Roth IRA!
http://www.ezinearticles.com/?Discover-the-Retirement-Breakthrough-the-Federal-Government-Created-for-You---The-Roth-IRA!&id=53510
Financial Abundance And Peace Of Mind Are One!
http://www.ezinearticles.com/?Financial-Abundance-And-Peace-Of-Mind-Are-One!&id=54113
How To Retire Wealthy From A Home Based Business
http://www.ezinearticles.com/?How-To-Retire-Wealthy-From-A-Home-Based-Business&id=54545
Invisible Mutual Fund Fees Erode Your Returns!
http://www.ezinearticles.com/?Invisible-Mutual-Fund-Fees-Erode-Your-Returns!&id=54558
It Is Never Too Early To Start A Roth IRA!
http://www.ezinearticles.com/?It-Is-Never-Too-Early-To-Start-A-Roth-IRA!&id=53511
Missleading Fund Names Wreak Havoc On Investor Returns!
http://www.ezinearticles.com/?Missleading-Fund-Names-Wreak-Havoc-On-Investor-Returns!&id=54569
Mutual Fund Returns May Not Be As They Seem!
http://www.ezinearticles.com/?Mutual-Fund-Returns-May-Not-Be-As-They-Seem!&id=54555
Mutual Fund Selection Made Simple By Indexing!
http://www.ezinearticles.com/?Mutual-Fund-Selection-Made-Simple-By-Indexing!&id=54565
Mutual Funds: The Modern Den of Thieves!
http://www.ezinearticles.com/?Mutual-Funds:--The-Modern-Den-of-Theives!&id=54551
Safely Save for Your Child's University Studies Using An Education IRA!
http://www.ezinearticles.com/?Safely-Save-for-Your-Childs-University-Studies-Using-An-Education-IRA!&id=54543
Super-charge Your Dream of Retiring Rich with the Roth 401K!
http://www.ezinearticles.com/?Super-charge-Your-Dream-of-Retiring-Rich-with-the-Roth-401K!&id=53518
The 401(K): How The Insider Has Stolen Your Retirement!
http://www.ezinearticles.com/?The-401(K):-How-The-Insider-Has-Stolen-Your-Retirement!&id=54114
The Past Does Not Equal The Future: Mutual Fund Returns!
http://www.ezinearticles.com/?The-Past-Does-Not-Equal-The-Future:-Mutual-Fund-Returns!&id=54566
The Path Less Traded - the Spiritual Road to Financial Abundance!
http://www.ezinearticles.com/?The-Path-Less-Traded---the-Spiritual-Road-to-Financial-Abundance!&id=52969
The Truth About Real Estate Investing - Is It Right For You?
http://www.ezinearticles.com/?The-Path-Less-Traded---the-Spiritual-Road-to-Financial-Abundance!&id=52969
What is a Traditional IRA?
http://www.ezinearticles.com/?What-is-a-Traditional-IRA?&id=54539
What the SEC Really Thinks About Mutual Funds!
http://www.ezinearticles.com/?What-the-SEC-Really-Thinks-About-Mutual-Funds!&id=54554

posted by www.WalletDoctor.com at 6:36 PM | 0 comments

MY RECENTLY POSTED ISNARE.COM ARTICLES:

Mutual Funds Snare The Public In A Hidden Tax Trap!
http://www.isnare.com/?id=6411&ca=Finances
Mutual Fund Performance And Why There Are No Dice Counters In Vegas!
http://www.isnare.com/?id=6414&ca=Finances
Financial Abundance And Peace Of Mind Are One!
http://www.isnare.com/?id=6376&ca=Finances
Mutual Funds: The Modern Den Of Theives!
http://www.isnare.com/?id=6378&ca=Finances
What The Sec Really Thinks About Mutual Funds!
http://www.isnare.com/?id=6408&ca=Finances
Secret Fees Make Mutual Funds Billions At Your Expense!
http://www.isnare.com/?id=6410&ca=Finances
A Safe Harbor For Mutual Fund Pirates!
http://www.isnare.com/?id=6412&ca=Finances
The Big Secret The Mutual Funds Don’t Want You To Know…indexing!
http://www.isnare.com/?id=6413&ca=Finances
Don’t Let Mutual Fund Names Fool You Out Of Your Retirement!
http://www.isnare.com/?id=6415&ca=Finances
Discover The Hidden Secret Of How Even A Newborn Baby Can Open A Roth IRA!
http://www.isnare.com/?id=6084&ca=Finances
Sound Advice To Help You Save Now For Your Childs Education Using An Education IRA!
http://www.isnare.com/?id=6085&ca=Finances
What Is A Traditional IRA?
http://www.isnare.com/?id=6082&ca=Finances
Discover The Retirement Breakthrough The Federal Government Created For You…the Roth IRA!
http://www.isnare.com/?id=6083&ca=Finances
The Truth About Real Estate Investing… Is It Right For You?
http://www.isnare.com/?id=6078&ca=Real+Estate
The Path Less Traded… The Spiritual Road To Financial Abundance!
http://www.isnare.com/?id=5940&ca=Self+Help
A Secret Home Based Business… Long Term Stock Investing!
http://www.isnare.com/?id=5942&ca=Business

posted by www.WalletDoctor.com at 3:37 PM

Welcome From The Wallet Doctor!

WELCOME TO THE WALLET DOCTOR!

You will now begin receiving my free weekly newsletter. If you should wish to unsubscribe you can do so in each e-mail or at the newsletter website WalletDoctor.com. A lot of people ask me why I named this newsletter �The Wallet Doctor.�

I always explain to them that it is a family joke. My father was an Optometric doctor and my mom used to tell people that she was married to a real doctor not a Ph.D. Of course her tune changed after I began pursuing a Ph.D. in finance; one of the most difficult to obtain.

One day she was bragging that I was soon to be a doctor and the person she was bragging to asked her what health specialty I was in. I saved her by jumping in saying; �let�s put it this way, if someone had a heart attack on an airliner with me on board and the stewardess called out; �is there a doctor on board?� I would immediately jump of my seat, run over, and snap out; quick open his wallet! It was a good laugh and from that day on she jokes to people that I am a wallet doctor!

Once again, welcome and I want to congratulate you on taking your first step toward greater wealth in you life!

Warmest regards,

Dr. Scott Brown, Ph.D.

If you wish to cancel your subscription, simply click once on the link below.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=206&p=6342

posted by www.WalletDoctor.com at 2:57 PM | 0 comments

EL NEUVO BLOG PARA NUESTRA REVISTA ELECTRONICA QUE ES GRATIS!

2005-08-01T09:38:00.000-04:00

Como te gusta nuestra blog de nuestra revista electronica gratis que se llama "Abundancia Financiera."

Te amo,

-Scott