• To: Friend

  From: Jeff McLeod dba; HappyRetiree.com
  

  
  

  I had a question asked of me just the other day and I have
  got to tell you, it caused quite an alarm to go off.  I thought
  to myself, that this is not something my friend should be
  worried about.  This is something everyone should be
  worried about.

  This should be a concern to every single person who
  has even a solitary saved dollar.   My friend provided
  me with an article concerning the baby-boomers and
  what their effects will be on the stock market for
  years to come. 

   

  The article made a very good observation, and one
  that I guess I may have assumed more people were
  aware of.

   You see, for years now I have been watching this
  catastrophe grow closer by the day.  I have tried over
   and over to explain how and why everyone must
  beware of the upcoming dangers lurking in the stock
  market. It is a matter of time, and frankly that time is
  now.

  The article detailed how the baby boom generation has
  a disproportionate share of interest in the current stock
  market, and the dangers that this position entails.

   
  Now this shouldn't be new information, since you and I
  were both there, but I will share with you the main three
  reasons why you must beware. 

   
  Fact #1 - It's obvious that the "boomers" helped drive
  up stock prices during the bull markets of the 1980's and
  90's.  Baby boomers were running in their prime and
  investing like gangbusters.  Dumping heavily into their
  401k's and pension plans; and with the financial climate of
  that time it was the absolute best thing to do, so they thought.

  Fact #2 – Just like anyone who is entering retirement, this
  large sector of the stock market holders is going to begin
  liquidating their riskiest investments.  And just like we all
  know, you drop the potato that's hot.  This disproportionately
  large sector of the population will very soon be cashing in
  their stocks, fiercely protecting the safe investments that will
  later be protecting them. 

   Fact #3 – Liquidating an amount of Stock this large will
  cause a crisis in the market for years to come.  The in-ability
  to equally distribute the new influx of the purges will
  undoubtedly create a sense of panic amongst investors and
  therefore perpetuate the dump of stock in a market where
  the current investor's vertigo will be unparalleled. 

   
  So with all the doomsday you might ask, "What am I going
  to do?!".  To tell you like I told my friend there is only one
  path to take.

   
  When the stock market slithers into this type of sideways
  snaking pattern the results can be devastating for market
   investors.  Retiree's and future retiree's will repeatedly watch
  their money dwindle away.  For some reason they will stay in
  the market thinking that their assets will return until damage is
  so severe that they believe pulling out could be fatal.

   
  For all of these years I have been doing everything within my
  power to educate people of the safety and security that they
   have the opportunity to bask in with their savings.  I know
  the secret escape route!  I know the way to secure IRA and
  401(k) dollars, with no risk of loss.

   
  That right, I said it.  "No risk of loss".  Guaranteed safe and secure.

   
  Let me explain vesting, and annual reset.  There is an avenue
  you can secure your dollars in with the benefit of annual reset. 
  You will not find this luxury in the stock market.  This is the
  way to beat the sideways market.  This is the way to insure profit.
  This is the way to collect income, and always know that you will
  keep all of your initial premium.  There is no pain, only safety and
  peace of mind.

   
  There are a few steps to explain how this works so beautifully. 
  I wish that I could tell you I invented it, but that's not true.  All of
  this information if federally regulated and mandated.  Before I get
  into the minutiae, let me tell you how it works with a series of facts.

   
  Fact #1 - If you get in with $100K, you will never have less than
  $100K.  That is safety.  You will not loose.  "Ask a stock broker
  if he can guarantee the same thing in writing."  At the end of the year,
  even if the "500" has gone down every month, and we are in a
  devastating depression, you will not loose a dime.  You are vested.
  The Webster's legal dictionary defines 'vested' as "Fully and
  absolutely established as a right, benefit, or privilege not dependent
  on any contingency or condition" You keep your money.

   
  Fact #2 - When the market (500) goes up, you ride the wave up
  with it.  Your premium enjoys all the benefits of a rising market,
  without actually being in the market.  You get all the gains, with
  none of the risk.  Your retirement dollars are not in the market.

   

  Fact #3 – When the market goes down, you stay up.  That's the
  way vesting works.  Vesting is like a blanket of protection comforting
  your investment and protecting your retirement from the cold baroness
  nature of the "500".  Vesting is a guarantee, a promise that your capitol
  retains its value. 

   

  Fact #4 - You are not buying stock or bonds.  You are working within
  the structure and safety of a contract, a written agreement with pre-set
  terms of use.  You are guaranteed and entitled to your income,
  period.  That's the way it works.  "Has your broker ever given you
  a written contract guaranteeing that you will make money?"  He
  wishes he could, but he simply can not.

   

   

  Fact #5 – Annual reset coupled with vested interest is possibly
  the most incredible opportunity that I have ever experienced.  Let
  me make a hypothetical example using of a possible projected five
  year cycle.  In this example we will say that you invest 100K,
  and the market index begins the first year at 1000, "just to keep
  it easy".

   
  Year #1- During year one the index gains 100 and finishes the
  year at 1100.  Your 100K has now become 110K, and is vested
  at that level.  From now on you will always have at least 110K. 
  "If you think it sound too good already then just hold on and watch!"

   
  Year #2 - In year two the market index goes down 120, and
  finishes the year at 980.  You still have 110K, period.  With vesting
  and annual reset, your 110K is now placed at market level. 
  People invested in the market have not only lost their gains, but
  also part of their initial investment.

   
  Year #3 - During year three the index falls again, and finishes at
  950.   While market investors panic over their losses, you retain
  your hard earned 110K.

   
  Year #4 - As no surprise year four brings more tribulation to
  the market and it finishes at 900!  Because you are protected
  with vesting you still have your 110K.  And incredibly you have
  the opportunity to reset at the markets level.

   
  Year #5 – There is a rally in year five and the market index rushes
  up to 990.  Because you had annual reset your dollars gain 10%
  this year and you now have 121K!

   
  WARNING!  The market index has not broken even.  Those
  invested in the market have lost $10,000 during this five year run.

   
  You made income because you were not in the market!  You won
  because you had the foresight to place your dollar in a safe and
  secure guaranteed contract.  Your decision made you $21,000
  while investors who never found out your secrets lost $10,000.

   
   Fact #6 – Incredibly, some people will continue to risk their
  retirement by placing their investments on the shaky and volatile
  grounds of the market.  Today is not the day to make that
  mistake. Some people will take chances that they do not have
  to take.  Unfortunately, the only way that they can be helped
  is they arm themselves with the knowledge of how to protect
  their money, and take action to get out of the market before
  it's too late. I sincerely hope they take that action.
  
  

  Fact #7 – Only an educated and experienced agent can protect
  you from this tragedy.  The stock market is headed for tough
  times, and these times will continue for years to come.  Thankfully
  you have the opportunity, here at your fingertips, to change the
  outcome of your financial future for the better.  Do not wait until
  it's too late.

   
  There is only one place that you can find the safety and security
  that you deserve. 

  There is only one place that you can put you retirement dollar
  that it is guaranteed. 

   There is only one place that you are protected by a contract.

   

  Now is the time to act, and secure your future from the
  disasters that lay ahead.  I have help for you.  Now is the
  time to take charge.  I have tools to create a personalized
  structured contract guaranteed to protect your dollars, your
  retirement, and most importantly your peace of mind for
  years to come.  I have the opportunity that you have been
  looking for.

   
   Safety, Security, Guaranteed.

   
  Contact me now for free, confidential quote, and discover
  the helping hand you have been looking for at www.happyretiree.com
  
  

  Jeff McLeod
  McLeod Agency Inc.
  www.happyretiree.com
  1-800-286-1812
  Ar Lic. # 14525

  
  
  We will show you how to protect what you have
  worked your entire life to secure.

   

   

   

   

   

   

   

   

   

   

  October 10th, 2005 at 10:50 am

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