Where Can You Earn a 30% Guaranteed Return?


First of all, who do you know that earns between a 15% and a 40% return? Most people respond with – I don’t know. Look in your purse or wallet and you will most likely find lots of Store and/or Credit Cards.

Don’t they charge between 9% and 40%?

When you pay off a large balance over time, that is what you pay.

If you pay off the whole balance every month, obviously you pay nothing, 0%. .

If you own a business, what rate does your bank charge you for a loan or line of credit?

So the next question is, if you borrowed the same money at say 15% (using your growing private reserve as collateral) instead of the corner bank or credit card company at 15%, how much would you earn?

Most people will answer 15% because you are gaining the return equivalent of those transferred dollars, and they would be half correct.

But, if you really think about this, aren’t you saving the 15% you would have lost to someone else and keeping the 15% you would have paid that someone else?

So the reality is you are ahead 30%. Instead of a 15% loss you have a 15% gain the difference being 30%   When you are the saver/depositor, you are in control like the banker and you are the borrower, where does all the money end up? With YOU.

Where is the risk in this transaction? All with YOU. Will you be an honest banker and pay yourself back? If so, you will be guaranteeing a 30% return equivalent of those transferred dollars, with this 15% interest charge example.

Why would you not want to pay yourself 15% if you are willing to pay someone else’s bank 15%?

Now, go and ask your financial manager to give you a dollar total of all the money you have given them to invest for you.

Then ask them to give you a dollar amount if you were to withdraw all your money as of today, how much would you bring home? What has been the growth? 30%? 20%? 10% 0%?

Next, add up all the interest you have paid on debt repayments (see how to do this here) over the same amount of time.

You see, because you tied up your money in govt. sponsored qualified plans, or in real estate that has lost it’s equity etc., you had to borrow money from a bank to purchase your cars etc.

So while you were investing your money on one side, and hoping for an increase of your money, you were loosing wealth by paying banks interest on the other side. Are you ahead or behind?

But I pay for everything with cash, some will say. Well, doesn’t that mean you had to make payments to a holding account while you saved up the money to buy the item with cash? Then after spending the cash, haven’t you now lost the opportunity that that money provided to earn interest – for the rest of your life?

Don’t you also have to continue making payments to a holding account so you can pay cash for the next item you want to buy?

Click here to see the lost opportunity cost associated with paying with cash.

Thou­sands of users indi­cate Pri­va­te Reserve Strategies offer the most effec­tive way to finance a busi­ness and build wealth-providing unmatched secu­rity, pre­dictabil­ity, asset pro­tec­tion, flex­i­bil­ity, liq­uid­ity, finan­cial con­trol, and unknown tax advan­tages. This is especially A MUST con­sid­er­a­tion for ALL self employed! Next question is, “but where do I get the money to start my banking system so I actually have money to borrow from?”

That is what we are trained to do, is find the money. And we don’t tell you to eat beans and rice for the next few years either.

Call me today,

Jennifer Hansen, at

845-649-7487 or

email me at Jennifer@DebtDiagnosis.com

and I will be happy to discuss this further with you.

Retirement Quiz

1. Retirement Plans (i.e. 401(K), SEP IRA, etc.):
a) Save taxes
b) Defer taxes

2. Whether or not I win by funding my retirement plan (i.e. 401(k), SEP IRA, IRA)
depends on?
a) What tax bracket I will be in at retirement
b) What deductions I will have when I take the money
c) What my exit strategy is
d) All of the above

3. The only way I win with funding a retirement plan is if I withdraw the money
at a ___________________ tax bracket than when I contributed the money.
a) Higher
b) Lower
c) Equal
d) I have no idea

4. If I plan to be in a HIGHER tax bracket when I withdraw the money at
retirement, I should only fund my retirement plan (i.e. 401(k)) up to the
__________________ in order to give myself maximum liquidity, use and
control over my money.
a) What I can afford in a situation where the company doesn’t match contributions
b) Company match

Mortgage Quiz

1. A large down payment will save me more money on my mortgage over time than
a small down payment?
a) True
b) False

2. A 15-yr mortgage will save more money over time than a 30-yr mortgage?
a) True
b) False

3. Making extra principal payments saves me money?
a) True
b) False

4. The interest rate is the main factor in determining the cost of a mortgage?
a) True
b) False

5. I am more SECURE having my home paid off than financed 100%?
a) True
b) False



April 13, 2011 · Jennifer · No Comments
Tags: , , ,  · Posted in: 30% Returns Guaranteed, FINANCIAL EDUCATION 101

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