EL CAMINO A LA ABUNDANCIA!

Hi Camino A La Abundancia,

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.

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http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=8&c=228

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
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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
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PPS: Here's what another person thought about
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"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=8&c=228

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

The Delano Max Wealth Institute, LLC
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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�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=228.

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=228&p=0568

Hello Camino A La Abundancia:

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"

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

Here is a testimonial of what I can do for you:
James McIntyre: (Paramount Fitness) "Dr. Brown has helped my wife and I find investment opportunities we didn't think existed."

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"

If you wish to cancel your subscription, simply click once on the link below.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=228&p=0568

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�

�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 www.BonanzaBase.com.

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.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=228&p=0568

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�

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.

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

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.

�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.

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.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=228&p=0568

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/

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.

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�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.

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.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=228&p=0568

�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.

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.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=228&p=0568

�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.

If you wish to cancel your subscription, simply click once on the link below.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=228&p=0568

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MUTUAL FUNDS: THE MODERN DEN OF THEIVES!
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A SECRET HOME BASED BUSINESS…LONG TERM STOCK INVESTING!
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THE TRUTH ABOUT REAL ESTATE INVESTING…IS IT RIGHT FOR YOU?
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DON’T LET MUTUAL FUND NAMES FOOL YOU OUT OF YOUR RETIREMENT!
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FINANCIAL ABUNDANCE AND PEACE OF MIND ARE ONE!
http://www.article-directory.net/Article/1641.html
DISCOVER THE FOUNDATION OF RETIRING WEALTHY…THE IRA!
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posted by www.WalletDoctor.com at 11:20 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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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.

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