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On September 28, 2006, the Center for American Progress, a think tank, released a study titled, Middle Class in Turmoil, analyzing Middle Class financial progress from 1989 to 2004. From this study, it's clear, dangerous trends exist in Middle Class family financial security. It concludes... ...after five years of strong economic growth, most middle class families are either worse off today or just a short step away from financial disaster should they encounter layoffs or medical emergencies.Unfortunately, it did not identify clear, practical, solutions enabling Middle Class families to avoid these trends. In this DebtIntoWealth Special Report, I'll reveal the Top 3 dangers identified in this study along with a clear and practical solution to avoid them. For 2004, the most recent data available, Middle Class families in this study are defined as dual income couples between the ages of 36 and 54 earning between $18,500 and $88,030 a year. If your family income falls in this range and you're feeling insecure about your financial status, here are 3 reasons why... 1: An astonishing 82.7% of Middle-Class families have less than 3 months of income saved to handle emergencies...When the inevitable emergency arrives, for those with inadequate savings, debt is used to bridge the gap. This sets off a devastating spiral... Monthly debt payments increase and monthly savings decrease. Increasing debt payments and decreasing savings make it mathematically impossible to create adequate emergency funds, leaving Middle Class families perpetually vulnerable to financial setbacks. 2: 17.9 weeks to bankruptcy...The current average length of unemployment is 17.9 weeks... approximately 4.5 months. This study finds only 28.8% of Middle Class families -- little more than 1 family in 4 -- can survive for 17.9 weeks, even with unemployment insurance. According to Harvard Law Professor, Elizabeth Warren, in her book... The Two-Income Trap: Why Middle-Class Mothers and Fathers Are Going Broke...Layoff, Illness, and Divorce account for 87% of all personal bankruptcies. Considering less than 3 months of income saved for emergencies, inability to pay essential living expenses for 4.5 months following a major income disruption is not surprising. 3: An uninsured medical emergency, like a broken ankle with an average cost of $3,000, would drive 77.7% of Middle Class families to debt and the previously discussed debt/savings spiral.These 3 Dangers leave Middle Class families precariously balanced on the edge of financial disaster. When one unfortunate domino falls, emergency savings are quickly consumed, followed by mounting debt, leading to continued entrapment in a financial quicksand with no obvious escape. But... there is a way out! It's easy to see these dangers stem from inadequate savings. And, while increasing take home pay would appear to be a solution, it's one generally beyond Middle Class family control. Fortunately, the key to a solution completely under the control of Middle Class families can be found in another of this study's statistics... A record 13.9% of Middle Class family take home pay goes to service debt.Literally hundreds and thousands of dollars a month wasted on interest payments! By instituting a short-term aggressive debt payoff plan eliminating ALL debt, including mortgages -- in 60 to 84 months -- Middle Class families can recover these wasted dollars and rapidly build emergency reserves. As these success stories demonstrate, this practical solution is more than theory. If your family has managed to beat these odds... terrific! If not... time is working against you! Act now to aggressively pay off ALL of your debts. The unique, high value DebtIntoWealth Integrated System of...
Following debt payoff, by saving dollars previously wasted on interest, Middle Class families can completely avoid these 3 Dangers, break the debt/savings spiral, and start accumulating wealth for a secure financial future. Join thousands of Middle Class families
re-taking control of their financial future today!
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My name is Greg Moore.
Elizabeth, my wife, and I became totally debt-free on July 26, 1996, paying
off our last debt, our mortgage, 25 years early.
Two months later my hi-tech employer closed their doors.
Unlike many of my coworkers, trapped by debt, we didn't panic. No debt, not even a mortgage, meant we required significantly less income. Our emergency fund allowed us to weather this storm and we could live quite comfortably on Elizabeth's income as a teacher. This experience motivated me to become a Certified Financial Independence Seminar Leader and Consultant to provide ordinary, hard-working Middle Class families an affordable, proven, alternative to losing their lives to debt.. I designed my Debt Freedom system to capture
and communicate, step-by-step and You'll find the same information I teach in my 3-hour seminars taught at Corporations, The University of Texas at Austin, Austin Community College, Conferences, and Churches enabling Middle Class familes everywhere to virtually eliminate financial disaster associated with Layoff, Illness, or Divorce. Here's an overview of some of the Lessons and benefits you'll discover in my Course Manual:
Hate debt but not good
with numbers?
My revolutionary Software
Assistant is integrated and included with your Course,
unleashing the power of your computer to give you:
And we're just beginning! If you're the typical Middle Class family, by following the simple, step-by-step, color-enhanced, illustrated, enjoyable, Course Lessons, you will be completely Debt-Free, including your mortgage, in 6 years and 11 months! That's 7 YEARS! Why struggle 7 years paying off a car when you can pay off EVERYTHING -- including this automobile -- in less than 7 years?
You can have the security of knowing that all of the important things in your life are yours and can't be taken away from you. And, if you're like my clients who have already reached Debt Freedom...
Or you
can continue doing the same things you've always done -- following
conventional wisdom -- until you lose your job... lose your health... or
worse...
You can find other debt books available anywhere from $14.99 to $99.00. You can find some debt management software too with similar pricing. Some are even asking as much as $397or more! But, if they're not integrated to complement each other and designed for self-discovery, you end up with a book collecting dust along with your other self-help books, and mystery software cluttering your disk drive. As I said earlier, the DebtIntoWealth System of Course Manual and Integrated Software is designed for you to discover exactly how to achieve debt freedom using the exact same lessons I and my clients have learned and used with great success. And your investment? As little as:
The DebtIntoWealth system comes in 3 versions for both Windows PC and Macintosh OS-X computers: Downloadable Version - Adobe Acrobat PDF Course Manual and Java Applet Debt Freedom Software. Instantly available via download. The Java Applet lives on our servers but your data are stored on YOUR computer. Requires internet access and Microsoft Internet Explorer Browser. Perfect if you have a high-speed internet connection like cable modem or DSL, but works great with DIAL-UP access, too! CD-ROM Version - Traditional installed software product. All components, including PDF Course Manual and Debt Freedom Software are installed and live on YOUR computer. No internet access required. CD ROM is mailed to you. FULL COLOR PRINTED Version - Entire 237-Page Course Manual printed in Laser Printer Color, bound in 3-Ring Binder and includes CD-ROM Version. Package is mailed to you. Click on any version below to use our Secure Server to order your system now:
As my father used to say, "You can't beat that with a stick!" Well, maybe not. But I'll bet I can beat this tremendous value with some unheard of bonuses: 3 Free Bonuses For Acting Right Now Bonus #1: 1 year FREE Subscription to my Monthly Newsletter! This
$99
value is yours absolutely FREE for 1 year. I'm not talking about some advertisement
filled fluff. My professionally produced
Newsletter:
Bonus #2: FREE Course Updates Bonus
#3: FREE Software Updates
Now, beat that with a stick! Click here to use our secure server to order now! It Doesn't Matter How Much Money You Make! Are you
wondering if you can do it? If you're somehow different from the Middle
Class Family such that it won't work for you? Well, that's only natural.
But here are two reasons why I guarantee it will...
1)
It doesn't matter how much money you make or how much you owe:
As long as you are able to make at least your minimum monthly payments on each of your debts, you can pay your debts off years faster than your creditors want you to! Want a quick estimate of how long it will take you personally to pay off your debt? It will make your mouth fall open! Click here now... 2)
Math:
These lessons turn the tables on your creditors, making Compound Interest, a mathematical law, work for YOU instead of your creditor. There
you have it!
These amazing results will be yours if you order now... But wait... here's a REVOLUTIONARY
FREE BONUS: You get... ME!
From time to time I get questions from people who have tried just about every debt management strategy out there -- for a little while. They ask, what makes, DebtIntoWealth -- Lessons from My Journey To Debt Freedom different? What they're really asking is, how can they be successful with my system where they haven't been successful before... My guess... No Help! They were sold a book or CD or business opportunity, some dreams, and given a pat on the back for luck! When they inevitably ran into trouble, or life changed, who could they go to to ask questions and receive guidance? The author? Fat chance... at least not for $79! The power of the Internet and I have made this obstacle a thing of the past! When you order your System you'll get a special email address to use to ask me questions about your plan or how to handle life changes -- and believe me, your life will change -- that threaten your plan. It's like having your own high-dollar Debt-Freedom consultant -- except I won't be charging you high (or any) dollars. And, yes, people really do ask questions -- and get answers...
Having successfully navigated my journey to Debt-Freedom, I want to help as many Middle Class families as I can to a better life...
But,
I'm a practical man as well, and to do your questions justice I must limit
the number of people on my consultation list. So, this FREE
BONUS offer is for a limited time, first come, first served.
Which
makes it a great time to order now...
Still undecided? Maybe Debt-Freedom isn't right for you. I once talked with a lady who asked, What's the rush...? Maybe you really like...
But on
the off chance that you don't, here's your chance to Change Your Life!
And I'll make it easy...
How can I make this fantastic Guarantee? Simple... It's a mathematical certainty if you are able to make your minimum required monthly payments on all of your debts, you can succeed with this system. And with my help, how can you lose? Or Call: Or send a U.S. Funds Personal Check or Money Order and EMAIL ADDRESS to: Texas residents add
8.25% sales tax.
For FULL
COLOR PRINTED VERSION (includes CD ROM VERSION) , please include
USD $5.10 shipping within the U.S., $25 outside of U.S.
We'll email your access codes to you and you'll be on your way! Yours
until you're FREE.
Greg
Moore
Certified
Financial Independence Seminar Leader
p.s. Need more info? Ok. I'll give you Lesson 1 absolutely FREE! Check out the table of contents. Try out the demonstration software using your very own debts. You won't believe your eyes. Then, take ACTION!
and Lesson 1 download instructions will be emailed to you. Here is a selection of unsolicited feedback
from current clients. For more testimonials, click here!
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with
a touch of humor, life enhancing lessons
and
strategies
Elizabeth and I learned while achieving Debt-Freedom. 
