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PRODUCT DETAILS
MASTER YOUR OWN RETIREMENT
WANT TO SECURE YOUR FINANCIAL FUTURE?
WANT TO BE FINANCIALLY INDEPENDANT?
WANT A WEALTHSTYLE FREE FROM STRESS AND WORRY?
Then these tools, developed by MASTER YOUR OWN RETIREMENT, will help
you achieve these goals.
Read all about YOUR BUDGET PLANNER and MASTER YOUR OWN RETIREMENT.
You'll be amazed how much they can power your drive for good money
management, financial security, independence and freedom. Plan your
own WEALTHSTYLE!
-------------------------
YOUR BUDGET PLANNER
THEY PROMISED YOU EVERYTHING
DIDN'T THEY!
*
Rock-solid Investments..
*
High Capital Growth..
*
Great Returns..
*
A Golden Future........
*
A Well-earned Retirement.
AND WHAT DID THEY DELIVER?....
"Oh Very Sorry. Just Hang In There. It'll Come Good In The End."
And How Long Will That Be?..."Oh, Can't Answer That One. 3, 6 Years.
Don't Know."
WELL, SORRY DOESN'T CUT IT. IT WON'T PAY THE BILLS OR PUT FOOD ON THE
TABLE.
The fact is your savings, your retirement nest-egg, has been smashed!
In the final analysis, you're the one who has to shoulder all the
responsibility, take the initiative and build your recovery. It's not
fair but that's just the way it is.
SO WHAT'S YOUR REALITY? YOUR TRUE SITUATION? WHAT CAN YOU DO ABOUT
IT?
Well, right now, the very first thing is to take stock of your
personal situation; a personal assessment of your immediate income and
expenses, your personal finance. For that, we want to give you a FREE
copy of 'YOUR BUDGET PLANNER' compliments of MASTER YOUR OWN
RETIREMENT. It's simple, no complicated procedures, yet highly
informative. If your an Over 50's, Senior, Retiree or Pensioner, it's
the ideal budget planner for your money management.
Here's what it delivers:
YOUR BUDGET PLANNER
FIRST UP IT REALLY IS TOTALLY FREE.
DOWNLOAD NOW
TO DOWNLOAD YOUR
FREE COPY OF
'YOUR BUDGET PLANNER'
BUY NOW
TO BUY
'MASTER YOUR
OWN RETIREMENT'
PACKAGE
"I feel much more
comfortable about my
future now that I have
this program. "
Edward
KENSINGTON
"As a senior in my mid 50's, I have found 'Master Your Own
Retirement' more than useful. It'sreally helped me see what Iwant in
the future and what I need to do to achieve my goals."
"The 'Budget Planner' is a real bonus."
Stewart
GOLD COAST
There's no, "it's free if you buy this" or "It's free if you do
that" You are not obliged to buy any other products if you download
and use your FREE copy of YOUR BUDGET PLANNER.
Stay ahead of the game! Select the 'Opt In' form, leaving your email
address. When scheduled updates are made we will advise you by email
and you can then choose to download the enhanced version. Naturally
your privacy will be protected.
Need to plan your budget weekly, biweekly, monthly or annually? No
problem, YOUR BUDGET PLANNER can handle any of the above scenarios.
What's more, if you choose to work on a biweekly basis it will also
present your budget to you in weekly, monthly and annual formats. So
you can immediately see what your yearly budget will look like. Only 2
clicks and it's all set up for you. Now that's really useful isn't it?
Dialogue boxes guide you through YOUR BUDGET PLANNER so there's no
need to go thumbing through an instruction manual. It's all right
there in front of you. You can stay focused on the critical task of
building your budget. Now that's efficiency isn't it?
The income section allows you to easily identify and dissect your
income into 7 different sections covering direct personal income and
other indirect income from investments etc. It gives you the scope to
clearly define your revenue sources and options.
One thing the current economic situation has taught us is that we
need to have a savings plan. YOUR BUDGET PLANNER presents your savings
plan in a prominent position before your expenses; emphasising the
importance of having a savings budget. It's a 'must have' feature!
The expenses are divided into sub-sections including:
* HOUSEHOLD
* MOTOR VEHICLE
* UTILITIES
* TAXES
* MEDICAL
* PERSONAL
* EDUCATION
Each sub-section is then divided into a number of specific items and
also allows for 'other' items (which you can rename).
Where would we be without color and graphics? YOUR BUDGET PLANNER
presents coloured graphic representations of your income and expenses.
Plain numbers don't always have the necessary impact. But the colored
charts emphasize very clearly the 'what and where' of your spending.
Finally, when your savings and expenses are deducted from your
income, you will see in vivid color if your budget is good and solid
or there's a problem that needs to be addressed.
Then, at the end of your nominated budget period, enter your actual
income, savings and expenses and compare your budget with what you
actually happened. YOUR BUDGET PLANNER will make managing your budget
so much easier and create a WEALTHSTYLE. How is that for controlling
your Personal Finance and good money management?
YOUR BUDGET PLANNER is among the very best of it's kind and it's all
for FREE!
Here's a sneak preview:
PLUS MUCH MORE!!!!!
CLICK HERE TO DOWNLOAD NOW
COMPLIMENTS OF - MASTER YOUR OWN RETIREMENT
-------------------------
MASTER YOUR OWN RETIREMENT - THE PACKAGE
But beyond YOUR BUDGET PLANNER, to meet the challenges of the current
economic crisis, you also need to take stock of your personal wealth.
The complete picture of your total assets and liabilities; your home
and contents, cars, boats, investments, pension or superannuation fund
etc., the whole lot. A total awareness of your -Personal Finance,
Money Management, Retirement Planning - your WEALTHSTYLE.
When you consolidate all your financial information into one place
where you can view it and review it at will, you are definitely in
charge.
That's what MASTER YOUR OWN RETIREMENT is designed and built to do;
to help you put all your financial information into a single,
easy-to-access place and in a logical order.
Then, it empowers you to easily create a fifteen year, financial
forecast model. You can then adjust it as many times as you like,
exploring all the options and possibilities open to you and create
your own WEALTHSTYLE.
For the very first time, MASTER YOUR OWN RETIREMENT has built the
package that allows you to bring together all your personal and
financial information; everything you need to examine your current
position so you can develop a roadmap for your future.
It's designed to be open so that it can be used with pension plans
such as 401(k) in the United States, RRSP in Canada, BSP in the UK and
Superannuation/Pension in Australia. Note, it offers no advice on
these plans. It is a forecast calculator that allows you to include
your pension plan values as part of your wealth determination process.
Master Your Own Retirement contains 8 excel(tm) spreadsheet modules:
* INTRODUCTION
* PERSONAL DETAILS SCHEDULE
* HOME CONTENTS SCHEDULE
* PERSONAL ASSETS SCHEDULE
* SUPERANNUATION \">ASSETS \">CURRENT FINANCIAL STATEMENT
* 15 YEAR CASHFLOW FORECAST
HERE'S AN OVERVIEW OF EACH MODULE
INTRODUCTION:
The introduction explains what MASTER YOUR OWN RETIREMENT is, what it
does, what it does not do and how to use it. It is written in plain
English. It's comprehensive and user-friendly.
It explains:
* THE SIGNIFICANCE OF THE COLOR CODING OF CELLS AND THEIR
RELATIONSHIP TO OTHER WORKSHEETS.
* HOW THE BORDERS OF A CELL IMMEDIATELY IDENTIFY ITS FUNCTION.
* HOW THE DIALOGUE BOXES ACT AS A 'BUILT IN' USER GUIDE.
* HOW TO GET STARTED
* THE 'SAMPLE' GUIDE.
And it's done in a precise and clear manner. No long monologue to
exhaust the reader so you can get started as soon as you like.
Also, it's important to note it carries the following disclaimer:
The results produced are based on several assumptions and are
indicative only. No representation or guarantee is given regarding
future performance of any superannuation and/or pension schemes. This
is general advise only and has been prepared without taking into
account your particular circumstances, financial or personal. Before
making any decisions based on this 'retirement forecaster' you should
consult your personal advisor, accountant and lawyer before
implementing any course of action or strategy regarding your personal
and financial future.
To the extent permitted by law, the authors will not be liable to any
party for any loss or damages arising either directly or indirectly
from the use of this 'retirement forecaster'. We make no
representations regarding the accuracy of the results. The
responsibility for correctly using this 'retirement forecaster' lies
with the user in its entirety.
And this is to emphasise that MASTER YOUR OWN RETIREMENT is a tool
designed, not to manage your life, but to help you clearly asses and
understand your current financial position. You can then model any
number of forecasts for your future and armed with a clear
understanding of your situation, options and possibilities, you can
confidently and gainfully discuss your wealth-style preferences with
your accountant, financial advisor or lawyer.
PERSONAL DETAILS:
The Personal Details schedule is a bonus and is designed to help you
collect into one location, a range of information about yourself.
How often have you had to fill in one form or another that demands
all kinds of information? How often have you had to go on a
frustrating search for that information?
Well, the Master Your Own Retirement, Personal Details Schedule will
solve that problem.
It's the place where you can have all those details at your
fingertips!
It is divided into a number of sections:
* PERSONAL DETAILS - name, dob, tax file number, social security
number, passport, etc..
* CONTACT DETAILS- address, phone number, email etc..
* MEDICAL INFORMATION- medicare number, health fund, doctor, etc..
* EMPLOYMENT DETAILS- current employment etc..
* RETIREMENT DETAILS- Retirement status, objectives etc..
* NEXT OF KIN DETAILS- Children, grandchildren etc..
so that, when planning both your present and future, it is readily
available not only to you, the user, but also to your advisors, family
or other appropriate people.
With all this information at your fingertips there's no more lost
hours searching for those records when you need them in a hurry.
HOME CONTENTS REGISTER:
Ever had your home robbed? Ever had fire or flood damage? Then needed
to make an insurance claim? You know how much frustration and stress
that causes? Well, the home contents register is designed to help you
build an accurate record of the contents of your home and their value.
It begins with a general description of the property with a prompt
line detailing insurance and due date. It takes the user through the
house, room by room, recording the contents of each room as they go.
It provides for item, model, serial number, purchase value, current
(discounted) value and provenience.
So if your home is robbed or suffers fire or flood damage, you have
accurate records that can help smooth the way to assessing what is
lost and making your insurance claim. (Remember to keep an 'off-site'
copy in case your computer is stolen or damaged.)
Beyond that, it helps you calculate the value of your home contents
and form part of the value of your total assets.
PERSONAL VALUABLES REGISTER:
Ever had your home robbed? Your personal valuables stolen? Family
heirlooms gone?
Ever had to endure the pain of proving to your insurer that you
actually owned these items when you make your claim? After you've made
your claim, ever discovered there were other items missing three
months after you've made your claim?
It's all very frustrating and distressing isn't it?
Your Personal Valuables Register helps you eliminate that problem
forever.
The personal valuables register is designed to provide you with a
place to record all your high value personal items. Most insurance
companies now require policy holders to identify these and insure them
separately. So if your home is robbed or suffers fire or flood damage,
you have accurate records that can help smooth the way to assessing
what is lost and making your insurance claim.
This is the kind of record that can save you considerable time, money
and stress.
Further, it helps you calculate the value of your home contents and
form part of the value of your total assets.
SUPERANNUATION/PENSION STATEMENT:
The superannuation/pension worksheet (colour code green) is used to
record details of the fund; name of company, fund name and number and
the current value of the superannuation fund plus the annual amount
you wish to draw down.
It makes provision for 2 users with up to 3 funds per user.
For those on pensions, it provides for both fixed and indexed
pensions such as 401(k) in the United States, RRSP in Canada, BSP in
the UK and Superannuation/Pension in Australia. Note, it offers no
advice on these plans but allow you to include your pension plan
values as part of your wealth determination process
The selected pension and/or superannuation draw down amounts are
automatically transferred to the 'cash flow forecast' worksheet.
Colour coding and dialogue boxes guide you through the
superannuation/Pension statement . No guess work, you're fully
informed and in control.
ASSETS AND LIABILITIES:
The Assets and Liabilities statement is designed to record all the
users assets and liabilities; providing a net worth value including
pension and/or superannuation (depending on how it is valued) .
It is divided into three asset and liability sections;
1) Personal Assets and Liabilities, showing any monthly repayments,
lender and interest rates.
2) Investment Assets and showing annual income, interest rate,
maturity date etc..
3) Managed Investments with value, annual income, any liabilities and
repayments etc.
Finally, it provides a summation of all three sections plus
superannuation/pension showing a single net worth figure (your total
wealth).
CURRENT FINANCIAL STATEMENT:
The purpose of this worksheet is to develop a view of your current
annual financial position including income (from all sources other
than superannuation or pension) and all annual expenses.
The income section is divided into 2 sub-sections;
Personal Income - Direct earnings such as Salary, Wages, Bonuses,
Allocated Pensions ( 401(k) , RRSP , BSP and Superannuation/Pension)
etc.
Non-Personal Income - Indirect earnings from Dividends, Interest,
Rental Income, Trust Income etc.
The Expenses section is divided into the following sub-sections:
1) Household - including items such as Rates & Taxes, Insurances,
Repairs and Maintenance, Replacements, Rent/Mortgage, Body Corporate
Fees etc.
2) Motor Vehicle - Fuel & Maintenance, Registration, Insurance,
Repayments etc.
3) Utilities - Electricity/Gas/Water, Internet, Telephone, Postal
4) Taxes - Federal, State, Local etc.
5) Medical- Insurance, Specialist, Dental Optical, Chemist, Hospital
etc.
6) Personal- Food, Clothing, Footware, Hairdresser, Entertainment,
Sports & Hobbies, Pets & Vets, Holidays, Gifts that is annual income
less annual expenses. Then you can then determine how much draw-down
will be needed from superannuation and/or pension funds. There is also
provision to record any significant variations anticipated over the
next 12 months. It also makes provision to record banking details for
quick reference.
15 YEAR CASHFLOW FORECAST:
The 15 year cashflow forecast (colour code blue) takes all the
relevant data from the preceding worksheets and automatically
populates this worksheet.
The user enters variables for annual inflation rate and variations in
401(k), RRSP, BSP, superannuation/pension fund values and you may need
to seek advice on determining these values.
The worksheet then calculates and presents in full detail and on a
year-by-year basis, the income stream, expenses, annual cashflow
balance (which is forwarded to the next year) and gross available
funds.
You can then make adjustments as often as wanted and review the
amended models until you are satisfied with the outcome.
This knowledge empowers you to determine if any course of action is
needed, if you need to consult your financial advisor or accountant
and where budget adjustments need to be made to improve your financial
position and experience a better lifestyle.
It's a powerful tool that enables you to take control of your future
today and develop the lifestyle that suits you!
Build your own WealthStyle with Master Your Own Retirement
and all for ONLY US$37.50
Note 1. Master Your Own Retirement is only available as a
downloadable package.
Note 2. Master Your Own retirement is an excel based package. You
will need to have microsoft excel
or a microsoft excel compatible spreadsheet to run Master Your Own
Retirement.
Note 3. Master Your Own Retirement can only be purchased through
Clickbank who process and
manage your transaction once you click on the 'Buy Now' button.
Note 4.Master Your Own Retirement is fully compliant with the
Clickbank 60 day 'replace or repair'
policy which states "Clickbank will, at its option, replace or
repair any defective product within
60 days from the date of purchase. After 60 days all sales are
final."
Copyright (c) 2009 John Dowling
MASTER YOUR OWN RETIREMENT .COM
Phone: Australia (07) 3205 1442
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