THE WALLET DOCTOR IS IN!

Part 1 of 4 Healthy Stock Investing Psychology

2007-03-06T08:45:00.001-08:00

Part 1 of 4 Healthy Stock Investing Psychology

March 06, 2007 08:13AM

www.WalletDoctor.com interviews Dr. Van Tharp Ph. D. Helping others become the best trader or investor they can be has been Tharp's mission since 1982. Dr. Tharp offers unique learning strategies, and his trading education techniques for producing great traders are some of the most effective in the field. Over the years Tharp has helped people overcome problems with system development and trading psychology, and success related issues such as self-sabotage. His trading education programs are of the highest quality and are world-renowned. http://www.iitm.com/

Posted PART 5 OF 5: HOW TO CHANGE YOU FINANCIAL LIFE BY CHANGING YOUR UNCONSCIOUS THOUGHTS!

2007-02-28T09:00:00.001-08:00

January 30, 2007 06:29PM

www.walletdoctor.com interviews www.garyderodriguez.com concerning the transformation of subconscious beliefs regarding money. Gary De Rodriguez is an international recognized trainer in humanistic NLP. The Wallet Doctor is an international organization dedicated to teaching you how to manage your family finances and successfully invest in the stock market.

Just Posted: PART 4 OF 5: HOW TO CHANGE YOU FINANCIAL LIFE BY CHANGING YOUR UNCONSCIOUS THOUGHTS!

2007-02-21T06:26:00.000-08:00

PART 4 OF 5: HOW TO CHANGE YOU FINANCIAL LIFE BY CHANGING YOUR UNCONSCIOUS THOUGHTS!

January 30, 2007 06:24PM

PART 3 OF 5: HOW TO CHANGE YOU FINANCIAL LIFE BY CHANGING YOUR UNCONSCIOUS THOUGHTS!

2007-02-13T18:15:00.001-08:00

Just posted!

PART 3 OF 5: HOW TO CHANGE YOU FINANCIAL LIFE BY CHANGING YOUR UNCONSCIOUS THOUGHTS!

January 30, 2007 06:11PM

PART 2 OF 5: HOW TO CHANGE YOU FINANCIAL LIFE BY CHANGING YOUR UNCONSCIOUS THOUGHTS!

2007-02-05T18:32:00.000-08:00

Part 2 is up!

How to change you financial life by changing your unconscious thoughts!

2007-01-30T18:08:00.000-08:00

I just posted an important podcast called:

How to change you financial life by changing your unconscious thoughts!

Technical Analysis of the Stock Market Podcast Part 2 is up!

2007-01-23T18:34:00.001-08:00

Part 2 of this fascinating blog is up! www.walletdoctor.com interviews Lan Turner, founder and president, of Gecko Software shows you how to gain years of experience in weeks our months through simulated stock investing and charting. Lan is worldwide expert in technical analysis. If you are serious about stock investing don’t miss this podcast.

http://walletdoctor.podomatic.com/

http://walletdoctor.podOmatic.com/rss2.xml

www.walletdoctor.com interviews Lan Turner

2007-01-09T16:34:00.000-08:00

www.walletdoctor.com interviews Lan Turner, founder and president, of Gecko Software shows you how to gain years of experience in weeks our months through simulated stock investing and charting. Lan is worldwide expert in technical analysis. If you are serious about stock investing don’t miss this podcast.

http://walletdoctor.podomatic.com/

http://walletdoctor.podOmatic.com/rss2.xml

Final Episode Up!!!

2007-01-02T11:24:00.000-08:00

Just posted Part 4 of 4 - The Wallet Doctor Interviews Wayne Hoff: Keeping, Enjoying, and Passing On Your Hard-Earned Financial Wealth!

>>>START HERE>>> How to completely control your finances 2007 and beyond!

2006-12-31T06:43:00.000-08:00

You are expected to be a specialized part of our
economy and your company should look out for
you in helping you manage your retirement but
today all the focus is on the top executives.

The message coming out of corporate America today
is that the top executive is important and you are
not.

The 401(K) was just a clever way for corporations
to get off the hook of managing your pension so that
the top executives could suck more cash out of the firm!

http://www.bonanzabase.com/ABCsofStockInvesting.htm

Of course Congress approved because the top
executives write all the checks for the political campaigns.

The funny (bad funny) part is that the money for
the checks the top executive insiders write comes
from investing shareholders NOT the executives!

Things have really changed since the 1950s!

http://www.bonanzabase.com/ABCsofStockInvesting.htm

I am constantly approached by smart people
who provide important specialized services to
our economy but don’t know how to start stock
investing… and really want to!

Are you in the situation where you want to invest
in the stock market but don’t know how to start?

I created, “The Wallet Doctor’s ABCs of Stock Investing...
how to get it right from the start!” help you know
EXACTLY what you need to do to make your money
grow!

http://www.bonanzabase.com/ABCsofStockInvesting.htm

If you don’t know a single thing about the stock
market then this course is just for you!

If you don’t know how to open an online account
or which accounts are best then this course is just for you!

If you don’t know how to buy and sell stocks
and mutual funds by yourself than this course is just for you!

http://www.bonanzabase.com/ABCsofStockInvesting.htm

Also, I show you how to organize your finances
around my revolutionary ratio approach:

The Wallet Doctor Financial Fitness Ratios™

You will no longer have to bicker over money with your
significant other!

You will each have your own money and know
what you can have fun with without sinking your boat.

You won’t have to penny pinch either.

http://www.bonanzabase.com/ABCsofStockInvesting.htm

In this course I show you how to organize your
finances so that you:
1. Radically reduce your risk of bankruptcy!
2. Have money for the fun things in life!
3. Know just how much you can and must save
and invest to become wealthy while you are having
fun in the decades to come!

You will learn to dominate your finances and
steer yourself toward financial success by applying
simple to learn and easy to apply concepts.

At the end of the course you will know much
more about organizing your family finances
than my finance students do when the graduate.

http://www.bonanzabase.com/ABCsofStockInvesting.htm

Why?

Because much of what I teach you is not
in the traditional academic finance curriculum I am
trained and obligated to teach as a professor
and doctor of finance!

If you don’t know anything about the stock
market but know you should be doing
something in it then go here now:

http://www.bonanzabase.com/ABCsofStockInvesting.htm

I am a professor of investing at the major university
in the Caribbean: The University of Puerto Rico.

I teach undergraduates, MBA and doctoral students
AND I have extensive investing experience.

It is my training to teach you how to get ahead in
today’s financial world!

I look forward to being your first trusted guide
through the Wall Street jungle!

-Scott
Dr. Scott Brown, Ph.D.
“The Wallet Doctor”

Ps. Check out the book and course bundle and learn to
not worry about a prosperous New Year by putting
yourself on track for a prosperous New Decade!

http://www.bonanzabase.com/ABCsofStockInvesting.htm

The Wallet Doctor
5190 Neil Road, Suite 430
Reno, NV 89502
(800) 540-8359 Ext. 1

***

http://walletdoctor.podomatic.com/

2006-12-26T13:46:00.000-08:00

Just posted Part 3 of 4 - The Wallet Doctor Interviews Wayne Hoff: Keeping, Enjoying, and Passing On Your Hard-Earned Financial Wealth!

http://www.bonanzabase.com/ABCsofStockInvesting.htm

2006-12-23T05:33:00.000-08:00

I am pleased to announced that we are accepting enrollment for our basic stock investing class!

http://www.bonanzabase.com/ABCsofStockInvesting.htm

-Scott

IMPORTANT: Christmas, forgiveness, and hope...

2006-12-22T07:02:00.000-08:00

I have been thinking of a heartfelt message for
you as we near Christmas Eve.

What I would say to you if we were face to face.

Here is what I want you to know.

Christmas is a symbol of hope in this chaotic and
ever changing world.

This includes financial hope.

I don’t know your situation but I have been
through many.

http://www.bonanzabase.com/ABCsofStockInvesting.htm

Have you been financially devastated from bad
decisions in your family in the past?

There is hope through sound financial education.

Are you making so much money that you literally
don’t know what to do with it?

There is hope through sound financial education.

http://www.bonanzabase.com/ABCsofStockInvesting.htm

Have a merry Christmas and remember that
whatever your situation is there is hope!

Let this be the season that you finally say,
“enough is enough” and begin taking the reins
of your financial sleigh into your own hands!

All pain and suffering in your life, including
financial, can be released through a special
form of applied forgiveness!

Not the kind that says, “if you behave the
way I want then I forgive you.”

http://www.bonanzabase.com/ABCsofStockInvesting.htm

This is called conditional forgiveness and it
doesn’t do you or anybody any good.

This special form of forgiveness heals your
pain irregardless of what the world seems to
be doing to you.

This special forgiveness pulls the cobwebs out
of your eyes so that you can see clearly.

http://www.bonanzabase.com/ABCsofStockInvesting.htm

In a 1000 years will any of your hates and
grievances matter?

Here is my gift to you:

1. Close your eyes right now and think of a
person, thing, place, or situation that upsets you.
2. Think to your self, “you are not permanent
and I can forgive you!”
3. After you say this to whatever you are
forgiving release them or it into a white light
in your mind’s eye.

http://www.bonanzabase.com/ABCsofStockInvesting.htm

You may feel immediate relief or it may take
a while…

But you will have already taken a significant
step in improving your life!

Have a merrily reflective Christmas and a
financially transformational New Year!

I really do wish you the best!

-Scott
Dr. Scott Brown, Ph.D.
The Wallet Doctor

The Wallet Doctor
5190 Neil Road, Suite 430
Reno, NV 89502
(800) 540-8359 Ext. 1

***

2006-12-21T16:07:00.000-08:00

Question:

Hi Scott
Thanks so much for taking the time to speak with me on Tues. I ordered your book today. I can't wait to read it. Is Jan the only time your ABC's of investing class begins? Is it possible to read through your book to see if the stock market game is something I am interested in? Or I may have to look for a different money game I am interested in--like owning a business/ buying real estate, etc. My concern--I have been listening to "the Warren Buffet Way" audio book. So far, it is a little boring to me. I know I want to learn more about what to do with my money and how to manage it, protect, it, and make it grow. I am not sure analyzing the market is what I will like. What do you think?

Thanks!

Answer:

That's why I give you strategy that don't require that you analyze the market... except at the end of extended bull runs and even then I don't want you to do it the "usual" way. It is imperative that you gain control of your finance through an online account in which you can employ a number of simple yet powerful strategies that do not require analysis.

The ABC class is open each month so don't worry and is geared to get you comfortable managing an online trading account. I don't teach analysis in the ABC class. Analysis is for the advanced course and is NOT for everyone! :-)

I recommend that you read my book once or twice over the holiday's and then go back and read the book (supposedly) about Warren Buffet. The Warren Buffet Way will not be boring once you have the necessary concepts and definitions in place in your mind!

Even if you engage in another "money game" you must have a solid understanding of simple, passive strategies like non-indexed, no-load, non-managed mutual funds in a Roth IRA or individual trading account! You just put it in place and ignore it until the after the market makes a long extended upward run!

The Wallet Doctor

2006-12-21T10:18:00.000-08:00

Get this widget!

The Wallet Doctor's Survival Guide to the Stock Market... how to prosper in the Wall Street jungle!

2006-12-21T10:11:00.000-08:00

Get this widget!

http://walletdoctor.podomatic.com/

2006-12-21T05:15:00.000-08:00

Part 2 of 4 - The Wallet Doctor Interviews Wayne Hoff: Keeping, Enjoying, and Passing On Your Hard-Earned Financial Wealth! Is posted so be there or be square!

http://www.digitalpodcast.com/detail-The_Wallet_Doctor_s_Survival_Guide_to_the_Stock_Market..._how_to_prosper_in_the_Wall_Street_jungle_-15700.html

2006-12-17T11:55:00.000-08:00

Your submission to Digital Podcast has been approved

Podcast ID : 15700
Title : The Wallet Doctor's Survival Guide to the Stock Market... how to prosper in the Wall Street jungle!
Url : http://WalletDoctor.com
Description : Dr. Scott Brown, Ph.D., a.k.a. “The Wallet Doctor”, is a national expert on stock investing and finance who holds a Ph.D. in Finance and is a professor of finance. The Wallet Doctor explores specific issues of the stock market that you must understand to succeed. Scott also interviews a wide range of experts ranging from asset protection, estate planning, business planning, risk management, insurance, investment psychology, 401(K) optimization, multiple streams of income, the power of subconscious belief, and family financial management. Order my 320 page book on stock investing at www.walletdoctor.com
Category : Business and Finance
Contact name: Dr. Scott Brown, Ph.D.
Email : drscottbrown@gmail.com

The Wallet Doctor blogs are up!

2006-12-16T07:56:00.000-08:00

I am pleased to announce that my blogs are
up and running.

I created two for you.

The first deals with general financial issues.

http://thewalletdoctor.blogspot.com/

The other deals with specific investing issues:

http://bulletproofstockinvesting.blogspot.com/

Whenever you email an investing or finance related
question I will post it on:

http://bulletproofstockinvesting.blogspot.com/

and

http://thewalletdoctor.blogspot.com/

Any time I send out a general broadcast email
I will also post it on:

http://thewalletdoctor.blogspot.com/

If for any reason you stop receiving my broadcast
e-mails just go to the blog to see what is going on:

http://thewalletdoctor.blogspot.com/

Make sure you bookmark these blogs that are vital
to your financial success!

-Scott

Ps. When you get a chance would you please go
vote 5 stars on my most recent pod-cast listing at: http://the_wallet_doctor.vitalpodcasts.com/
This will help drive our community up to the top
of the search engines!

The Wallet Doctor
5190 Neil Road, Suite 430
Reno, NV 89502
(800) 540-8359 Ext. 1

***

http://The_Wallet_Doctor.vitalpodcasts.com

2006-12-15T17:42:00.000-08:00

Thank you for Submitting your Podcast to VitalPodcasts.com
We are emailing you to inform you that your podcast has been approved and added to the VitalPodcasts.com Podcast Directory.

Access your listed podcast by clicking on the link below:
http://The_Wallet_Doctor.vitalpodcasts.com

The Wallet Doctor podcast is up!

2006-12-15T16:52:00.000-08:00

By popular demand I have created an investing
and financial health podcast for you.

In the Wallet Doctor podcast I explore issues vital
to your finances.

A new episode will be posted every Tuesday night
for you to listen to on your way to work on Wednesdays.

http://walletdoctor.podomatic.com/

I also interview renowned experts in different
areas you may not initial think of that are also
vital to your financial success.

Help get the word out and let your friends know
about this valuable podcast.

Also, make sure that you give it a great rating so
that we can push it up to the top of the search engines!

http://walletdoctor.podomatic.com/

The Wallet Doctor is your family financial
health community and it is a lot of fun as well
as an honor to make it with you,

-Scott
Dr. Scott Brown, Ph.D.
"The Wallet Doctor"

http://walletdoctor.podomatic.com/

The Wallet Doctor
5190 Neil Road, Suite 430
Reno, NV 89502
(800) 540-8359 Ext. 1

WalletDoctorBlog be wisely frugal but selectively extravagant�

2006-02-26T10:06:00.000-08:00

Have you ever wondered WalletDoctorBlog why
so many solid businessman drive cruddy, old
cars from a dingy, run down offices to their
palatial homes in the suburbs? Warren Buffet,
perhaps the greatest investor alive is known for
this. The reason they live this life style is not
because they are cheap misers but because they
have a high level of financial intelligence that
you can develop as well.

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

They understand that if they have $90,000.00 that
they could either put that money into
1. reducing their debt
2. invest it into the stock market
3. selective home improvements
4. improve the appearance of their business facilities (I am assuming that this doesn�t have an appreciable impact on their profitability and believe me it almost never does despite excuse mangers make to blow money)
5. buy a new Mercedes Benz for themselves
6. buy their children a new car.

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

The first two choices increase your net worth
(equity) which is always a good thing and equity
is not taxed. The third choice increases your
enjoyment (utility) of your home. If you remodel
your kitchen or bath appropriately you may also
increase your equity. So if you have spare cash
in excess of your debts and a solid investment,
savings plan than this can be a good choice as well.

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

The fourth and fifth choices are TOTAL wastes of
money because your business sits there for you to
suck money out of and nothing else. A car loses a
quarter of its value the moment it is driven off of
the lot and then continues its downward slide to
nothing. Depreciating assets are not investments
they are financially undesirable necessities if you
can�t walk everywhere you need to go. An automobile
is a financially undesirable necessity, nothing more,
nothing, less.

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

The very last choice is the worst possible use of
your money. Not only do you waste your money
but you also teach and reinforce financial
mismanagement in the minds of your offspring.
Your children learn that they do not have to work
for anything they want. Worse still they will
mentally assign a value to the automobile relative to
the amount of effort it took for them to acquire it
and that is zero.

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

In Steven Silbiger�s book �The Jewish Phenomenon�
(a book all ethnicities can learn from) he describes
in other ways why this concept of being
prudently frugal yet selectively extravagant is a major
key to the extraordinary wealth of the Jewish ethnicity.
He shows clearly how Jewish families use this wisdom
to convert their income into lasting wealth. Don�t forget
that this wisdom is not restricted to Jews and in fact is
the underlying lying cause of financial stability in high
income families of low income ethnicity. The most
enduring wealth of course is a debt free life style with
adequate passive income and the knowledge to recoup it
all if lost. Learn more about stock investing the right
way by going here now:

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

-Scott

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

WalletDoctorBlog successful investors have learned to talk their walk!

2006-02-25T07:20:00.000-08:00

WalletDoctorBlog,

The fourth secret to success of the Jewish
tribe is verbal competence and here is why.
Today, English is the most widely spoken and
written language on the planet. English was
first spoken in Britain by Germanic tribes in
the Fifth Century AD. At that time it was
known as the Old English (Anglo-Saxon) period.
During the Middle English period (1150-1500 AD),
many Old English word endings were replaced
by prepositions like by, with, and from. We are
currently in the Modern English period which
started in the Sixteenth Century.

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

The number of words in English has grown from
50,000 to 60,000 words in Old English to about a
million today; the largest of all languages by far.
An average educated person knows about 20,000
words and uses only about 2,000 words in a week.
Despite its widespread use, there are only about
350 million people who use it as their mother
tongue.

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

It is the official language of the Olympics. More
than half of the world's technical and scientific
periodicals as well three quarters of the world's
mail, and its telexes and cables are in English.
About 80% of the information stored in the world's
computers (like this text) are also in English. English
is transmitted to more than 100 million people
everyday by 5 of the largest broadcasting companies
(CBS, NBC, ABC, BBC, CBC). It seems like
English will remain the most widely used language
for some time.

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

The field of finance was pioneered by the United
States of America as an extension of mercantilism.
This was at a time when study of anything but
economics was considered unworthy as compared to
hard sciences like math, chemistry and physic and
kissing up in the king�s court was highly regarded.
The first business schools were established in the
United States for this reason and still maintain their
dominance. Finance has many words such as �put�
and �call� for which there are no translations in
other languages.

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

It is critical that you develop your financial vocabulary.
My understanding of the financial vocabulary is
vast compared to the average person because of my
Ph.D. that I hold in the field as well as my investing
experience as a futures and options trader and long
term stock investor.

Many years of study at the doctoral level combined
with direct practice in investments has allowed me
to develop a vast financial vocabulary. This allows
me to capture the essence of investment readings
and conversations that the average person does not
understand. Many investors fail not for lack of
intelligence (I am of average intelligence) but lack
of comprehension of what makes the stock market
tick. This is due, in great part, to a lack of vocabulary
that the common man on the street has not developed.
Take the time to develop your financial vocabulary
and you will excel over time as an investor. If you
learn to develop you financial vocabulary a world of
investing success will open up to you! Go here now to
begin developing you investing vocabulary:

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

-Scott

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

[Part 1 of 3] Who attended the 2000 Screw University class reunion WalletDoctorBlog?

2006-02-12T08:24:00.000-08:00

Hi WalletDoctorBlog-

Both fundamental and technical analysis have
their place in investing but most people fail to
understand the backdrop of the market that
dictates how you use each. Let�s say you were
selling a small expanding car repair shop chain
with say 3 stores, for instance, and could prove
that the company has healthy with steadily
increasing profits. You could justify a high price
for the business because of the steadily increasing
cash flow that the new owner will reap for managing
the business.

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

Makes total sense on the level of a sole proprietorship
but in Wall Street tries to convince you it is same
with corporate earnings and stock dividends
but they are trying to dupe you and here is
why. First of all executive corporate insiders
are under no obligation to pay out any of the
corporate profits. They can easily justify this
by plowing profits back into the company.
Even worse they use profits to buy the company
stock at high price levels when they want to cash
out of their stock options they paid nothing for or
even to give themselves more perks.

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

By the way the insiders have fought tooth and nail
against the Financial Accounting Standards
Board (FASB) to ensure that corporate stock
options are not reported as a cost to the company!
Even if you buy a stock on the primary market you
still have to sell it on the secondary market. This
is why I tell people that the is a special college
for executive corporate insiders called Screw
University (For instance my undergraduate
degree is Indiana University also known as
Indiana U.).

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

On the secondary market you are buying the
stock from another person not the company itself.
That means that people really only care about won
thing. They think to themselves, �Can I buy the
stock at today�s price and sell it for more down
the road in the future?� This means that the stock
market is really a big pyramid scheme where people
can legally buy in at any price and they hope that
they are among the first before a big price rise
takes off. To learn how to make potentially
huge amounts of money off of this fact go here now!

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

-Scott

Ps. The price of my Bulletproof Stock Investing
home study course is increasing $100.00 next
Saturday on February 18, 2006 due to the high
value of the course and the hard cost of producing
and shipping the course. I am letting you know so
that you are not caught of guard because the course
price will never be this low again.

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

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

3 vital ke.ys to we.alth WalletDoctorBlog!

2006-02-11T09:23:00.000-08:00

Hi WalletDoctorBlog;

There are three simple keys to becoming
permanently wea.lthy. If you master these keys
and integrate them into your daily life. You will
start to notice how many people are actually going
backward on the road to ric.hes!
Key #1: Maximize your earnings. Look for
creative ways to make extra mon.ey in your spare
time. Alternatively, if you have a stay at home
spouse then fully support them in making extra
mon.ey.
Key #2: Eliminate or drastically reduce your debts.
Do not make get a second mortgage on your
home to meet you ca.sh needs unless your only
other opportunity is �Guido the lo.an shark!�
The Dit.ech marketing tagline is �Another lo.an
lost to Dit.ech� but it would be more accurate if
it were �another sucker stepped into our bear
trap!� The Federal Deposit Insurance Corporation
that insures your bank deposits for instance offers
strong warnings against seeking a second mortgage
when you are ca.sh strapped (http://www.fdic.gov/consumers/consumer/predatorylending/index.html)
as does the Federal Trade Commission (http://www.ftc.gov/bcp/conline/pubs/homes/eqscams.htm ).

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

Here is a checklist of things you can do right
now to become debt free:

1: Look out for wasteful expenditures in your household (make sure your significant other is on board in this area).

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

2: Do not buy a new vehicle after you ca.sh out
the lo.an. This is a significant and short term
source of savings for most families. If you
immediately begin paying what you were
paying on your monthly car payment into an
investment retirement account such as a Roth
IRA you will be getting richer instead of
expanding your lifestyle or wasting the extra
mon.ey. Sit down and plan with your partner
now what you will do when you ca.sh out your
car lo.an. My wife and I saved $600.00 of the
$700 we were paying monthly on our car lo.ans
or $7,200.00 annually. If you did this you would
only be short $800.00 to make the full contribution
this year to both you and your significant other�s
Roth IRA! If you saved or earned an extra $3.08
per each of the 260 working days in a year you
would cover the additional $800.00 short fall.

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

2: Use some of the mon.ey you were paying
on a car lo.an to accelerate your mortgage. For
instance if you were to put $100.00 of the $700.00
in the preceding example toward the principal
balance of a $100,000.00 mortgage originated
at 6% for thirty years at the time you buy your
residence you would reduce the payoff date by
nine years and save $39,551.45 in interest
payments! This is called �accelerating� a
mortgage.

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

3: Follow Warren Buffet�s investing advice
for the mon.ey you save in your Roth IRA.
Look for large, well managed companies that
are undervalued in terms of share price then
buy and hold for long term gains over years or
even a decade or more. Learn to get out when
the market is hyped up to ridiculous heights as
it was in 1999 and 2000. It was during this
period that virtually all corporate insiders were
dumping their optioned shares on the public
(Read Yale English professor and financial
journalist Maggie Mahar�s, delightful book �Bull!�
for an eloquent description of how inside corporate
America pulled off the �pump and dump� scheme
of the century without a single SEC subpoena).
Avoid short term, highly leveraged, fast buck
investment strategies like futures, futures options,
and stock options as an investment vehicle no
matter how well known the author/ speaker/
guru is. Remember that many financial gurus
do not walk their talk. They are intent on making
lots of mon.ey selling courses to support their own
excessive lifestyle.

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

Key #3: Learn to invest intelligently what you
save. Successful investing takes patience, resolve,
discipline, forgiveness of mistakes, and consistency.
In my many years as both a finance professor and
investor my personal observation is that women
have more of these characteristics than men. The
one difference I have noted is that women do not
always exploit these natural strengths for fear of
loss, or fear of what other people will say if people
were to find out they invest. Don�t let your fear
hold you back but be methodical in learning about
the stock market before you commit your hard
earned savings.

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

Don�t ever forget that a strong man is one who
fully supports the woman he loves. A strong man
has sufficient self confidence to continue working
as a team even if his wife earns more as was the case
throughout most of our marriage. A strong man
understands the power of unity throughout his
relationship with the women he loves. If you are a
woman reading this then recognize that you should
never tolerate a man who belittles you in any way;
who makes you think that you cannot invest or
manage your mon.ey just as well or even better
than he does. You do not need a man by your
side to complete yourself but on the other hand
fairy tale romances really do exist if you are
ready. If you let your higher mind guide you
to the right partner you will truly find a
relationship made in heaven.

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

My wife and I do all of our financial planning
together as a team. My fearlessness can also
lead to impetuousness which is balanced by
her level head. I firmly believe that the best
investors of all are a unified team of loving
husband and wife or loving life partners.
Love and forgive one another with all your
hearts and you will find your common ground
and your invulnerability. We each have individual
strengths but when two minds commune the resulting
unified mind is much, much stronger than the parts!
Go here now if you are ready to learn about stock
investing:

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

-Scott

Ps. I just posted an answer to a great question from a 25 year old woman saving to purchase her dream home. Don�t forget that you have to hit the register button if you have never been in. I created the Wallet Doctor discussion board for you so don�t be bashful about using it!

http://walletdoctor.com/thedoctorisin/login.php

If you wish to cancel your subscription, simply click once on the link below.
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WalletDoctorBlog are you mad at me about AAPL?

2006-02-10T08:22:00.000-08:00

Hey WalletDoctorBlog-

I received an awesome reply yesterday from
a gentleman intimately involved with Apple
Computers (you know who you are). He told
me that his son bought the stock low His son is
clearly on the road to great riches! He also extolled
the virtues of the company and its loyal fan base.
I whole heartedly agreed! Apple Computers
has the hottest products on the market right now
and is a well managed company.

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

If you walk into Comp USA it is impossible
not to be immediately attracted to the incredibly
cool looking and well built Macintosh computers
and I-pod mp3 players. But the reality is that many
software producers cannot afford to write for the
Macintosh platform, even though it is far superior,
because of the near monopoly Microsoft achieved
with its non-Macintosh operating system. It was
for that reason that I, a former hardened Mac fan,
was forced to convert irrevocably to Windows XP;
I simply could not get my math and finance programs
to run on my Macintosh.

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

Time will tell if the I-pod will hold out. There
are all ready a lot of mp3 I-pod rip offs out there.
However, when John Scully, former inside
CEO of Pepsi Cola pillaged Apple I thought
the company was in the garbage bin from
the standpoint of the �church of Macintosh�
and so did many others. The rise in stock price
has been remarkable but sustained increases
are not guaranteed.

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

People in the public simply don�t understand
the importance of separation of church and state!
Marketing departments for companies like Apple
spend enormous energy creating a cult like church
following of worshippers of the company and
products. However this does not necessarily
have anything to do with share price.

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

The state of stock investing is very different
from the church of consumerism. When investors
buy a stock they really only care about one thing;
�can they buy the stock low today and sell it high
tomorrow?� This is investing in a nutshell so
when you hear someone talking about how great
a company and its products are as if this MUST
mean that continued share price increases MUST
continue then yawn and move on (this is not
implied by the gentleman who sent me the
delightful e-mail I received last night, by the way)!

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

Let me explain with numbers. Let�s say that
the son of the gentleman who e-mailed me
bought AAPL at $10 per share and sold it two
and a half years later at $80 per share at the
beginning of this year. That is a remarkable
700% holding period return (non-annualized
return). Now I ask you, �how much would
the stock price have to increase if you bought
AAPL stock at $80 for you to have a 700%
holding period return two and a half years
from now in 2008?�

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

The answer is $640 per share!!! Yes, I am
telling that if you are interested in Apple
stock because of its recent spectacular rise
that you would have to get a $560 increase
in the share price to get the same result. Do
you see why I get so annoyed when I get
junk mail from investment gurus hawking
stocks like this to a gullible, inexperienced
public that worships the products and services
of a company like AAPL? Talk about rubbish!
You don�t need to rely on this momentum
garbage that seemed to work at the top of the
market in the nineties for a short while.
Momentum investing sucks because you never
know when the market is gong to turn on you.

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

This is why it is so important for you to
learn to coldly identify stocks that are low
priced and buy them when nobody wants them.
Learn to buy them when they are not being hawked
by slick financial gurus. This is exactly what I
teach you to do in my course. All the signs
were there in AAPL if you knew how to read
them. There are so many great companies with
low priced stocks out there right now waiting for
you to buy them. Go here right now if you want
to learn how to invest in stocks the right way:

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

-Scott

Ps. Remember that Wall Street wants to feed
you a line of bull that you aren�t smart enough
or capable enough to invest on your own. I am
teaching you that you are richer than you think.
You can become a great stock investor. Join me in the
revolt against Wall Street! Just forward this e-mail
to your buddies and tell all your friends to get their
fr.ee subscription to this e-zine by registering at:
www.WalletDoctor.com

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

When a st.ock stinks WalletDoctorBlog�

2006-02-09T13:52:00.000-08:00

Hi WalletDoctorBlog-

..notice that on January 3rd a question was posted
about AAPL in the Wallet Doctor Forum
(http://walletdoctor.com/thedoctorisin/login.php)
about Apple Computer. I commented that I
did not like the chart pattern. Here is why.
[Open another browser window for
www.bigcharts.com and then type in the
ticker symbol for Apple computer (AAPL).]
When I looked at the price chart I immediately
noticed that it had been in a constant uptrend
from $40.00 per share to $80.00 per share.

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

Pay attention. What I did not like about the
chart was that it had risen too much. This
means that all of the people who bought at
lower prices are starting to take profits by
selling out. Selling pressure forces the stock
down.

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

Ironically, when �financial gurus� are hawking
their secret method they will write idiocies
like �100% return on AAPL this year alone.�
Anytime a stock like AAPL has a long extended
rise like this every financial analyst (a close
cousin to the gypsy fortune teller) claims that
they saw AAPL coming and how you missed
out because you weren�t listening to them.
This is how the unknowing public�s attention
is diverted to stocks that are already run up.
The greenhorns (another way of saying
inexperienced) get sucked into bad stock market
investments this way. The public gets burned
buying high and selling low. I don�t teach you
to listen to me I teach you to listen to yourself
for this very reason. This is why it is so important
that you develop your own skills to analyze and
select your own stocks..

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

Also notice how Bigcharts.com kicks you onto
a one year chart automatically. That is because
almost everyone who wants to get rich in the
stock market focuses on the short term and
looks at one year charts. [Use the drop down
menu next to where you entered the symbol
to select a decade chart and look at what
happens.] It is obvious that the right time to
buy was back in 2003 when you weren�t
hearing anything about AAPL. I would have
written something like this, �AAPL has a
0% return this year and is my hottest buy
recommendation� and would not get any
interest from anyone because people simply
do not understand long term stock investing.

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

If you would have bought AAPL at the
right price you would have paid between
$8 and $10 just a few years ago. You would
have had around a 700% holding period return
when all of the greenhorns were jumping in at
$80. Now you tell me who would sleep better
at night. You would have bought at $10 and
would be selling now to the greenhorns who
bought in at $80. You would sleep well at
night while they are tossing and turning in bed.
This is why it is so important for you to learn
how to invest in the long term.

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

There is a lot of detail to reading long term
charts well but you can see how easy it is to
spot the sucker plays on a long term price chart.
Go here right now to start to really learn how
to buy low and sell high:

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

-Scott

Ps. I want to give a big kudos to the person
who posted that great question on the forum
please keep posting them and I will keep
teaching you. Don�t forget that you have
to register to get in:
http://walletdoctor.com/thedoctorisin/login.php

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

AAPL - when a stock stinks WalletDoctorBlog

2006-02-09T11:23:00.000-08:00

Hi WalletDoctorBlog-

Notice that on January 3rd a question was posted about AAPL in the Wallet Doctor Forum (http://walletdoctor.com/thedoctorisin/login.php) about Apple Computer. I commented that I did not like the chart pattern. Here is why. [Open another browser window for www.bigcharts.com and then type in the ticker symbol for Apple computers (AAPL).] When I looked at the price chart I immediately noticed that it had been in a constant uptrend from $40.00 per share to $80.00 per share.

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

Pay attention. What I did not like about the chart was that it had risen too much. This means that all of the people who bought at lower prices are starting to take profits by selling out. Selling pressure forces the stock down.

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

Ironically, when financial gurus are hawking their secret method they will write idiocies like �100% return on AAPL this year alone.� Anytime a stock like AAPL has a long extended rise like this every financial analyst (a close cousin to the gypsy fortune teller) claims that they saw AAPL coming and how you missed out because you weren�t listening to them. This is how the unknowing public�s attention is diverted to stocks that are already run up. The greenhorns (another way of saying inexperienced) get sucked into bad stock market investments this way. The public gets burned buying high and selling low. I don�t teach you to listen to me I teach you to listen to yourself for this very reason. This is why it is so important that you develop your own skills to analyze and select your own stocks..

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

Also notice how Bigcharts.com kicks you onto a one year chart automatically. That is because almost everyone who wants to get rich in the stock market focuses on the short term and looks at one year charts. [Use the drop down menu next to where you entered the symbol to select a decade chart and look at what happens.] It is obvious that the right time to buy was back in 2003 when you weren�t hearing anything about AAPL. I would have written something like this, �AAPL has a 0% return this year and is my hottest buy recommendation� and would not get any interest from anyone because people simply do not understand long term stock investing.

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

If you would have bought AAPL at the right price you would have paid between $8 and $10 just a few years ago. You would have had around a 700% holding period return when all of the greenhorns were jumping in at $80. Now you tell me who would sleep better at night. You would have bought at $10 and would be selling now to the greenhorns who bought in at $80. You would sleep well at night while they are tossing and turning in bed. This is why it is so important for you to learn how to invest in the long term.

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

There is a lot of detail to reading long term charts well but you can see how easy it is to spot the sucker plays on a long term price chart. Go here right now to start to really learn how to buy low and sell high:

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

-Scott

Ps. I want to give a big kudos to the person who posted that great question on the forum please keep posting them and I will keep teaching you. Don�t forget that you have to register to get in: http://walletdoctor.com/thedoctorisin/login.php

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

WalletDoctorBlog here are three keys to your golden kingdom!

2006-02-08T07:22:00.000-08:00

Hi WalletDoctorBlog;

There are three simple keys to becoming
permanently wealthy. If you master these keys
and integrate them into your daily life. You will
start to notice how many people are actually going
backward on the road to ric.hes as you race forward!
Key #1: Maximize your earnings. Look for
creative ways to make extra money in your spare
time. Alternatively, if you have a stay at home
spouse then fully support them in making extra
money.
Key #2: Eliminate or drastically reduce your debts.
Do not make get a second mortgage on your
home to meet you cash needs unless your only
other opportunity is �Guido the loan shark!�
The Ditech marketing tagline is �Another loan
lost to Ditech� but it would be more accurate if
it were �another sucker stepped into our bear
trap!� The Federal Deposit Insurance Corporation
that insures your bank deposits for instance offers
strong warnings against seeking a second mortgage
when you are cash strapped (http://www.fdic.gov/consumers/consumer/predatorylending/index.html)
as does the Federal Trade Commission (http://www.ftc.gov/bcp/conline/pubs/homes/eqscams.htm ).

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

Here is a checklist of things you can do right
now to become debt free:

1: Look out for wasteful expenditures in your household (make sure your significant other is on board in this area).

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

2: Do not buy a new vehicle after you cash out
the loan. This is a significant and short term
source of savings for most families. If you
immediately begin paying what you were
paying on your monthly car payment into an
investment retirement account such as a Roth
IRA you will be getting richer instead of
expanding your lifestyle or wasting the extra
money. Sit down and plan with your partner
now what you will do when you cash out your
car loan. My wife and I saved $600.00 of the
$700 we were paying monthly on our car loans
or $7,200.00 annually. If you did this you would
only be short $800.00 to make the full contribution
this year to both you and your significant other�s
Roth IRA! If you saved or earned an extra $3.08
per each of the 260 working days in a year you
would cover the additional $800.00 short fall.

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

2: Use some of the money you were paying
on a car loan to accelerate your mortgage. For
instance if you were to put $100.00 of the $700.00
in the preceding example toward the principal
balance of a $100,000.00 mortgage originated
at 6% for thirty years at the time you buy your
residence you would reduce the payoff date by
nine years and save $39,551.45 in interest
payments! This is called �accelerating� a
mortgage.

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

3: Follow Warren Buffet�s investing advice
for the money you save in your Roth IRA.
Look for large, well managed companies that
are undervalued in terms of share price then
buy and hold for long term gains over years or
even a decade or more. Learn to get out when
the market is hyped up to ridiculous heights as
it was in 1999 and 2000. It was during this
period that virtually all corporate insiders were
dumping their optioned shares on the public
(Read Yale English professor and financial
journalist Maggie Mahar�s, delightful book �Bull!�
for an eloquent description of how inside corporate
America pulled off the �pump and dump� scheme
of the century without a single SEC subpoena).
Avoid short term, highly leveraged, fast buck
investment strategies like futures, futures options,
and stock options as an investment vehicle no
matter how well known the author/ speaker/
guru is. Remember that many financial gurus
do not walk their talk. They are intent on making
lots of money selling courses to support their own
excessive lifestyle.

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

Don�t ever forget that a strong man is one who
fully supports the woman he loves. A strong man
has sufficient self confidence to continue working
as a team even if his wife earns more as was the case
throughout most of our marriage. A strong man
understands the power of unity throughout his
relationship with the women he loves. If you are a
woman reading this then recognize that you should
never tolerate a man who belittles you in any way;
who makes you think that you cannot invest or
manage your money just as well or even better
than he does. You do not need a man by your
side to complete yourself but on the other hand
fairy tale romances really do exist if you are
ready. If you let your higher mind guide you
to the right partner you will truly find a
relationship made in heaven.

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

-Scott

Ps. You may have notice that I put periods inside
some words. I do this so that these messages don�t
get blocked out by the spam filter. Also don�t forget
that I have created a forum for your questions so please
don�t be shy. Don�t forget that you have to register if
you haven�t already done so:

http://walletdoctor.com/thedoctorisin/login.php

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

A safe harbor for mutual fund pirates

2006-02-08T03:02:00.000-08:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 16
Dr. Scott Brown, Ph.D.

A SAFE HARBOR FOR MUTUAL FUND PIRATES!

Soft dollars, a form of legal kickback, is a sly way you can get ripped off by mutual fund managers. Full service brokers give these kickbacks to non-indexed mutual funds in the form of a �rebate� to purchase research, software, and even computer equipment.

You pay for these soft dollars! In recent years, the SEC estimated that soft-dollar deals exceeded $1 billion. Typically, $1 accrues for every $1.60 of brokerage commissions paid. Congress made these kickbacks legal in 1975 when it passed the �safe harbor� law. The legislation allows fund managers to pay more in commissions than is necessary, as long as the excess comes back in the form of services or research that benefits investors.

The problem is that this has created an opaque system that can be abused. In 1998, the SEC found that some money mangers were using soft dollars to pay for salaries, office rent, and even vacations! Think about this. You sweat every day at work to make a living. You buy a mutual fund to secure your retirement. Then the person who is supposedly protecting your retirement is sipping Margaritas in Cancun discussing with his or her buddies where to buy their next mansion with your retirement dollars!
The second problem is that many funds are not taking advantage of cost saving efficiencies in their operations just so that they can keep the soft-dollar spigot open. Think about this as well.

If you had enough money to not have to work you would spend a considerable amount of time looking for safe places with a good return for your money. You would not waste money on things your family did not want and hence did not need. Why five your money then to a mutual fund managers who could care less if they waste some of your retirement dollars; its no skin off their back! The best way to avoid these losses altogether is to restrict your purchases of mutual funds to your 401(k) and try to only buy indexed mutual funds such as the Vanguard 500 (FINX).
If you want to learn more about investing in individual stocks get my course �The Blue-Collar Base Bonanza � What the insiders [definitely] don�t want you to know!� More detailed information about the course is on my website at http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=3&c=208.

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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The nearly unpopulated debt-free-state WalletDoctorBlog

2006-02-07T11:54:00.000-08:00

Hi WalletDoctorBlog

I teach all of my students the incredible
tranquility of the debt-free-state. Debt
free is just incredible. You can wake up
in the morning knowing that your feet
don�t have to hit the floor running to
scramble up some green to feed the
mortgage monster for another 30 days.
When you are debt free you really can
settle down and relax and savor you
options instead of desperately seeking
solutions to monthly payments. You
really do need to think right now about
the life you really want. How much of your
time do you want to enjoy right now? You will
enjoy yourself much more �now� by becoming
debt free while investing in the long term
where you don�t have to frantically watch your
stock prices on a computer monitor all day.

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

Sit down and look at the income you make.
Total up all of the house payments, car payments,
and credit card payments that you make. For
most people this is over $1,500.00 per month.
Stop and think about what I am about to say.
If you were able to erase your mortgage, your
car loans, and your credit card debt you would
be giving your self a raise in this scenario of
$1,8000.00! Putting the maximum $4,000.00
contribution into your Roth IRA means that
you would still have $10,000 to have fun with.

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

Now here is the great part. You would be
able to have the same lifestyle you do now
living on $1,800.00 a month less. The U.S.
savings rate in 1980 was 10%. In August of
last year the U.S. Department of Commerce
reported that this had dropped to zero! Part
of this was attributed to an increase in home
values. But read what I have to say very
carefully. Home equity is an illusion because
it does not put food on your table like eliminating
your debt does! Californians are particularly
prone to wake up calls as the hottest real estate
bubble in state history began to cool off last year.
Alliance Title in the city of Redding reported
virtually zero closings for properties above
$500,000.00 to my family�s real estate brokerage in
the Cascade Mountains. This tells me as a financial
economist that home buyers are no longer willing to
pay inflated values so don�t look toward you home
equity as some sort of piggy bank.

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

The only way to eliminate your debt is to start
saving or save more. But most people don�t want
to sacrifice their overblown lifestyles today to
become more comfortable tomorrow. Most people
today are too hardheaded in there drive to show
people how financially successful they are. They
want to drive a new car, upgrade to a bigger house,
and put on �airs� of wealth. People who live like
this will never become wealthy stock investors
because they won�t get through the beginning
years when they either develop this debt free
habitual way. They will simply chain themselves
more and more to their own jail of debt (also
called leverage in finance). For this reason the
least populated state in the union is the debt Free
State.

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

It blows my mind to observe so many people
actually attracted to leverage. Companies
like Ditech have been flooding the market with
cheesy advertising to dupe people into one of
the dumbest financial mistakes they can make;
taking out a second mortgage on their home!

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

I also observe people attracted into the
investment markets that emphasize �making
lots of money fast on debt.� Unfortunately
these same markets can make you lose lots of
money very, very fast. As a former futures
and futures options trader I am extremely
sensitive to leverage of any kind. I get really
annoyed by some of the financial "gurus" out
there that are teaching people to take out
seconds on their homes to invest in the
stock market through a Roth, etc. You should
be working to financial stability not showmanship.

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

Go here now to learn to put your money at work
where it really will build fast and much safer in
the long run stock market:

-Scott

Ps. Tomorrow I will tell you 3 secrets to
getting your personal finances under control.

Double Ps. If you are too timid to post a question
on the forum (http://walletdoctor.com/thedoctorisin/login.php)
then please e-mail me directly because I really am trying
to help you.

Triple Ps. If you want to get out of the big city
and move up to the mountains check out
http://www.FallRiverMills.com in the secluded and exclusive
misty mountain Fall River valley in Northern California.
A spectacular mountain view home with an indoor
heated pool just came available. The phone is
530-336-5411. Ask for my mom Barbara Galion.

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You are not a financial idiot WalletDoctorBlog!

2006-02-06T07:48:00.000-08:00

Hi WalletDoctorBlog-

I know that you may have thought from the lesson I sent on Saturday that you might be in the financial idiot category. My whole point is that if you are subscribed to this e-zine then YOU ARE ABSOLUTELY NOT A FINANCIAL IDIOT. A financial idiot is someone who completely refuses to accept responsibility for their poor financial decisions. For years in my twenties I blamed my financial failure on other people. I was a financial idiot but I eventually woke up to the fact that it was my own thinking that was the problem!

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

Let me give you an example. My wife and I have married family members from my side of the family that we have tried to counsel for years. The husband is not assertive and the wife feels as thought the world owes her something. What happens is that the wife makes stupid financial decision after stupid financial decision.

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

For instance they cashed-out their mortgage over time and became completely debt free; a state many people today would envy. She convinced her husband to take out a second mortgage on the home and they went on a trip to Disney World among other things. He temporarily lost his job a few months later and they went late on the �lets go party loan� they had just taken out on their home.

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

They came to us for help! Unfortunately it was the first time we knew about the situation. We lent them the money to bring the loan current under strict conditions that the wife resented. She was also a little hostile when we made her show us all of their income and expenses. We put them on a financial plan that we knew would make them wealthy. They were inconsistent in paying us back so we have never loaned them anything again.

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

That was about eight years ago. They are constantly backing themselves into the same situation every few years because they refuse to accept responsibility for their financial ignorance. In keeping the blame on someone or something else they keep themselves blind to their own reality. If the wife would forgive whatever it is that makes her think the world owes her something then the situation would be undone.

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

She would begin to wake up and learn. Unseen forces would come to her assistance and she would become the master of her money over time. This is why I know that anyone in the Wallet Doctor financial community is waking up or fully awake. If you have financial idiots dragging you down do not let them make you feel that you are responsible for bailing them out. Do not let them get to you through other family members either. When they wake up introduce them to the Wallet Doctor community. Here is the free CD link to get you started on the path to debt-free Shangri-La in the stock markets:

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

-Scott

Ps. Here is the link to the Wallet Doctor Discussion Board. if you want advice on dealing with any financial idiots in your life post questions in the personal finance category and I will answer them. Don�t forget you have to hit the register button and register to get in if you are not already a member:

http://walletdoctor.com/thedoctorisin/login.php

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

What did you ask me WalletDoctorBlog?

2006-02-05T06:25:00.000-08:00

Look WalletDoctorBlog I really do answer your question on the Wallet Doctor discussion board. There are already a number of excellent postings. I know you have a question you want to ask about investing so go there now and post it and I will start a string with you:

http://walletdoctor.com/thedoctorisin/login.php

Don�t forget you have to register to get in. You can set up an alias so that nobody knows who you really are if you want. When you register you pick your own alias and password.

http://walletdoctor.com/thedoctorisin/login.php

Don�t lose your password because I don�t ever get to see it. If you lose it you will have to re-register again. Go here now with your questions:

http://walletdoctor.com/thedoctorisin/login.php

-Scott

Ps. I don�t answer specific how to questions regarding my Bulletproof Stock Investing course. You have to get my course to learn that to gain access to my private discussion board where we go into the nitty gritty of making your stock investing work for you. Here is the link to get information on my home study stock investing course:

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

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

Where Gilda meets Bluesman WalletDoctorBlog

2006-02-04T08:28:00.000-08:00

is a gem of financial wisdom: select your
partner carefully!

Hi WalletDoctorBlog-

A bit ago I told you how Gilda made Lenny.
Over the weekend I taught you Bluesman�s
a&*%#^! money concept. Well, what happens
when you put these two abundance lessons
together?

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

What if Gilda were to remarry Bluesman?
Aside from the fact that you would have a
Jewish woman married to a Baptist southern
(a most interesting but not at all impossible
cultural combination since true love,
a close relative of true forgiveness really does
make everything possible) gent you would have
two bright financial minds working in harmony.
I actually had an Israeli friend who told me of
an Israeli Jewish woman married to a Palestinian
Muslim. They went through hell from both of
their families but true love and forgiveness pulled
them through. By the way I have Jewish friend
who is a judge who has a great saying; �the harder
I work, the luckier I get!� So true, so true!

My wife is a Puerto Rican Roman Catholic and I
am an Anglo Saxon Zen Buddhist. I don�t care
what the mix is if it is based on true love and forgiveness
it will work. I don�t care if it is an extra terrestrial/
feline marriage, like if E.T. married your house
cat, if it is based on these two principals it is gong
to fly high! How incredible would our world be
if all of us really tried to work together and to
love one another instead of focusing on differences
and looking out for number one!

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

What would happen in such a relationship where
both husband and wife set aside all differences and
work together to truly understand money?
They would become wealthier very, very fast?
Being in a relationship, especially, in a marriage
where one person is a financial idiot is like driving
with three flat tires on a car with the parking brake
on. Invariably, the partner with a very low level
of financial intelligence projects the blame
outside of their mind confounding the
communication and in the marriage as well
as any possible progress.

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

Financial idiots find all sorts of reasons for
their failures in handling the money they earn
as well as the money of others that they may
find themselves temporarily controlling. It is
absolutely impossible to engage in any kind of
coherent unified activity as a team with a financial
idiot. Just because you don�t know a lot about
money does not make you a financial idiot. I am
talking about people who are blind to their money
mistakes and refuse to change. The fact that you
are on my e-mail list indicates to me that YOU
are NOT a financial idiot EVEN if don�t know
much about money. If you are on my list then
you are actively learning and I take my hat off
to you and give you a deep reverent bow!

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

Financial idiots are people who absolutely refuse
to recognize that they are the cause of their
financial woes. These people are beyond all
hope and if you are in a relationship with one
the best you can do is truly forgive them, get
out of the relationship, and move on with your
life. If you don�t know much about money then
keep actively looking for ways to learn to get
better. Post questions for me to answer on the
Wallet Doctor Discussion Board, and get a
subscription to TIVO and record all of the Suze
Orman shows and watch her show religiously
with your partner.

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

Also, I teach you the basics of savings and
investing in the first part of my stock course.
Go here to get more information:

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

Peace-out,

-Scott

Ps. Invite your friends to join the Wallet Doctor
too! Send them this link www.WalletDoctor.com

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

I know my grammar stinks WalletDoctorBlog and

2006-02-03T09:13:00.000-08:00

I know that you have noticed that I make some
pretty obvious grammar errors and probably a
few misspellings too. When I was a college
student I enjoyed math and science most.
When I found the field of finance, which is
really applied math to make money it became
my obsession. When it came to finance, science,
and math classes I was like a pig in slop!

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

In retrospect I really had a passion for investing
because it really is so hard to learn without a good
mentor. Spending hours staring at math formulas
doesn�t reinforce my English grammar ability.

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

Here is the deal. I hated my English classes.
As hard as I worked the professors gave me
mediocre grades. I could never figure out if
it was just because they envied my math/ science
ability or because I really sucked in English.
Finally one of my English professors leveled
with me that my English grades were mediocre
because I sucked as a writer. She told me that
if I would work real hard she pass me and let
me get on with my financial studies.

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

If you have gifted English grammar and writing
ability then I can�t tell you how much I admire
you. I work really hard at these messages I send
you and I still find errors. So please be patient
when you read my communications because
what I am trying to teach you is important
for you to get started on the right foot. For
instance the grammatically correct way to write
the most important rule of investing is: Buy low
and sell high! Alternatively, it would be just
plain bad English to write: Sell hi n� bi lo! But
in terms of finance the second sentence just also
correct as buy low and sell high! If you want to
learn the financial magic of sell hi n� bi lo
WalletDoctorBlog go here right now:

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

-Scott

Ps. There are a lot of great questions and answer
on the Wallet Doctor Discussion Board. Here
is the link:

http://walletdoctor.com/thedoctorisin/login.php

Here is your key tip review WalletDoctorBlog

2006-02-01T07:34:00.000-08:00

Let�s go over the key things that wealthy
people do differently WalletDoctorBlog that
I have covered in recent messages:

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

1) People with stable marriages go much,
much further financially. If you are
not married then sit down and get clear
on the person you want to marry.
Take the time to carefully write an essay
to yourself and then hide it somewhere.
This will allow your subconscious to guide
you. If you know that you are married
to the wrong person then get out and
take my advice to single folk I just
gave. If you know that you are
married to the right person then sit
down and work out all of your goals
together. There will be some give and
take at first but this will become less
and less over following years.

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

2) If one spouse has more free time than the
other be supportive of that spouses initial need
to learn to invest through home study courses
like my Bulletproof Stock Investing course.
Make sure you communicate regularly at
night after your day job(s) so that you
stay on track. Always remember that
consistent, planned, directed effort yields
the best results. When you are fearful or
angry practice true forgiveness to let it go.
Also give yourself permission to recognize
that you can�t possibly know all of the
answers and do not have to make decisions
alone. Follow your subconscious, Buddha
nature, or Holy Spirit or whatever it is that
you feel comfortable turning to but do it
daily as you find yourself in situations
calling for a decision. Our minds really
are connected and the very top investors
that I know tap into that �intuition�
by conscious choice.

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

Find fun ways to make supplemental
income the way my dear friend Bluesman
does. Find you�re a#@$%!# money
method that makes you what you want
that is also fun for you to do.

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

Don�t be in a hurry to get rich. Take the
time to invest in your education. If you
buy a course then make sure you take
the time to sit down and study it. I myself
get frustrated when people buy my course
and then don�t study it. Again, don�t rush.
Study one thing at a time and then
methodically apply it. It is much better to
be an expert at one powerful investing
technique than �Jack of all trades but
master of none.� Go here WalletDoctorBlog now to
start learning to invest in the stock market
today:

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

-Scott

Ps. I just posted an answer to a great Wallet Doctor
Discussion board question concerning when to sell
your stock. Go here to read it and don�t forget
that you will have to hit the register button if you are
not already registered on the Wallet Doctor Discussion
board: http://walletdoctor.com/thedoctorisin

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

WalletDoctorBlog How I turned my old pickup truck into gold

2006-01-31T15:46:00.000-08:00

Hi WalletDoctorBlog-

I am a pickup man and I ain�t bashful to admit it!
There is no shame in saying so because I don�t
have a wandering eye outside my marriage; the
best way for a fool to destroy his or her finances
and happiness in life at exactly the same time.
I�ve been happily married for nearly fifteen years
and I am a pickup man; a pickup truck man that is.
You see I was raised working on a ranch and never
had any use for car. I still get a thrill when I stick my
hand out the window of my rig, a Ford Ranger, and
lob an empty Coke can or taco wrapper into the
bed of my truck!

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

I explained to you in the last message that when my
wife and I paid of our car loans it was like getting a
huge raise without beating up on the boss. My truck
payment was alone was an additional $4,200 we were
able to put into the stock market annually. Now here
is the rest of the story�

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

One day, on the way to teach a university finance
class a vehicle owned by a nationwide electrical
company sideswiped my truck. The company paid
me a $900 check for the damage. Instead of repairing
unsightly banged up panel on my truck I put that money
in my individual trading account and bought and sold
stock with it. In 2003 alone that money was part of a
wad that earned 78% in Caterpillar stock. If I get an
average of 15% per year in the stock market on that
money until I am 60 years old it will grow into $16,939.37.
Since my truck cost me $13,000.00 those door dents
are worth more than the truck!

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

Last year one of my students was asking me questions
and followed me out to my truck. When he saw my truck
he said, �Your truck is depressing!� I asked him why
he would say such a thing. He said that since I am
always teaching people how to make lots of money
and telling them how good I am at stock investing
that I should not be driving an old beat up pickup truck.
He said that he did not believe in me any more because
he knew that financially successful people drive nice,
new, expensive vehicles. He was a bright student and
I warned him that his focus on material externalities
would doom him to poverty if he did not change his
beliefs about money.

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

When you buy a car or pickup it looses 25% of its
value as you drive it off of the lot. It then loses the
other 75% of its value I a few years after that. For
this reason we call vehicles �depreciating assets.�
In other words they have value but are declining
constantly in value. I found a way to turn my
depreciating asset into an appreciating asset. Stop
looking at the Jones driveway next door and learn
why you are richer than you think you are by going
here now:

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

-Scott

Ps. I just posted an answer to a great Wallet Doctor
Discussion board question concerning my opinion
concerning ETFs. Go here to read it and don�t forget
that you will have to hit the register button if you are
not already registered on the Wallet Doctor Discussion
board: http://walletdoctor.com/thedoctorisin

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

The truth WalletDoctorBlog about my truck

2006-01-31T12:08:00.000-08:00

Hi WalletDoctorBlog-

I am a pickup man and I ain�t bashful to admit it! There is no shame in saying so because I don�t have a wandering eye outside my marriage; the best way for a fool to destroy his or her finances and happiness in life at exactly the same time. I�ve been happily married for nearly fifteen years and I am a pickup man; a pickup truck man that is. You see I was raised working on a ranch and never had any use for car. I still get a thrill when I stick my hand out the window of my rig, a Ford Ranger, and lob an empty Coke can or taco wrapper into the bed of my truck!

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

I explained to you in the last message that when my wife and I paid of our car loans it was like getting a huge raise without beating up on the boss. My truck payment was alone was an additional $4,200 we were able to put into the stock market annually. Now here is the rest of the story�

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

One day, on the way to teach a university finance class a vehicle owned by a nationwide electrical company sideswiped my truck. The company paid me a $900 check for the damage. Instead of repairing unsightly banged up panel on my truck I put that money in my individual trading account and bought and sold stock with it. In 2003 alone that money was part of a wad that earned 78% in Caterpillar stock. If I get an average of 15% per year in the stock market on that money until I am 60 years old it will grow into $16,939.37. Since my truck cost me $13,000.00 those door dents are worth more than the truck!

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

Last year one of my students was asking me questions and followed me out to my truck. When he saw my truck he said, �Your truck is depressing!� I asked him why he would say such a thing. He said that since I am always teaching people how to make lots of money and telling them how good I am at stock investing that I should not be driving an old beat up pickup truck. He said that he did not believe in me any more because he knew that financially successful people drive nice, new, expensive vehicles. He was a bright student and I warned him that his focus on material externalities would doom him to poverty if he did not change his beliefs about money.

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

When you buy a car or pickup it looses 25% of its value as you drive it off of the lot. It then loses the other 75% of its value I a few years after that. For this reason we call vehicles �depreciating assets.� In other words they have value but are declining constantly in value. I found a way to turn my depreciating asset into an appreciating asset. Stop looking at the Jones driveway next door and learn why you are richer than you think you are by going here now:

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

-Scott

Ps. I just posted an answer to a great Wallet Doctor Discussion board question concerning my opinion concerning ETFs. Go here to read it and don�t forget that you will have to hit the register button if you are not already registered on the Wallet Doctor Discussion board: http://walletdoctor.com/thedoctorisin

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

Not a care in the world WalletDoctorBlog

2006-01-30T07:22:00.000-08:00

Hello WalletDoctorBlog-

My wife and I are not super rich but we are
debt free. We became debt free because we
made it a part of our Definite Major Purpose
as a married couple. You will learn about
creating a Definite Major Purpose in your
life in an upcoming e-mail. A Definite Major
Purpose is really a positive affirmation on
steroids and it has the power to transform
your life over coming years.

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

What I want you to understand is that I
never teach you some sort of theory I have
not already applied in my life. I am one of
the very few Ph.D. holding professors of
finance that actually �walks� then �talks.�
I became intrigued with wondering what it
would feel like to be completely debt free.
What would it feel like to have no mortgage?
Or at least so little mortgage balance that
with a few guaranteed fixed income debt
securities in place that effectively the mortgage
is paid off? What would it feel like to have no
car payments? What would it feel like to have
zero balances on all of your credit cards?
It is very important for you to close your eyes
right now and imagine this before you read on.

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

Well, my wife and I achieved this state a few
years ago. There were a couple of things that
helped us out. First, when we got married
almost fifteen years ago we bought a modestly
priced condominium in an upscale San Juan
community here on the island of Puerto Rico.
I had moved to Puerto Rico because I hate the
cold and never have to wear long pants here
unless I have to. Because of this decision we
have enjoyed a relatively low monthly mortgage
payment. When we were able to save more we
started accelerating the mortgage payment
(I will try to remember to tell you how to do
this in an upcoming message but e-mail me
if I forget). Now the mortgage balance is just
a fraction of the original.

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

How were we able to save money initially?
When our two car loans were finally paid off
we took the nearly $700.00 we had gotten
used to paying anyway and simply began
saving and investing it. We both have 15
year old cars now but we laugh all the way
to the bank. We laugh because people that
know what an upscale community we live
in think we should drive Mercedes Benz cars.
Furthermore when people make comments
like this to us it just tells us how low their
financial intelligence really is.

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

This was a lot of money that we were suddenly
saving so we also opened Roth IRAs for
each of us and the rest is history. Over the
ensuing years since I learned how to buy
stock low in a very special way and that
monthly savings has just collected and
collected. We have so much money in our
savings and retirement strategy now that we
could easily pay off what is left on the mortgage
and buy new cars. In other words we are
some of the very few people you know who
really are debt free!!!

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

You may wonder what it feels like to be debt
free. I know I did. Well every morning when
up I get I work on what I want to NOT what
I have to. Part of the reason that I got a Ph.D.
in finance is that I am a natural born teacher;
it is just what I love to do. I get huge
satisfaction when people tell me I have taught
them things in finance they never would have
figured out or didn�t understand because they
were poorly taught before. Debt free has been
a key psychological shift I have noticed that both
my wife and I have experienced. We just
don�t worry about money like we used to.
This clear vision has given us the ability to
enjoy things other families just can�t that
are trying to pay off a large 30 year mortgage
and two fancy cars. Families that have high
income but no savings and investment plan
as they strive to keep up with the Jones�.
Take your first step right now to do what
I have already done. I can teach you how
if you go here now:

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

-Scott

Ps. Apply what I teach you in these e-mails
and your financial health WILL improve!

If you wish to cancel your subscription, simply click once on the link below.
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WalletDoctorBlog here�s an a$@^#!* money opportunity

2006-01-29T07:06:00.000-08:00

Hi WalletDoctorBlog-

I told you yesterday how my buddy Bluesman financed his successful investing strategy using what he call his a$@^#!* money he makes cleaning swimming pools. On Friday I was made aware of an opportunity to learn how to make money on e-bay AND enjoy a Caribbean cruise.

www.MyEbayTrip.com

I found out about this last minute so I have not had time to thoroughly check out the qualifications of the course instructors. Frankly, I don�t know them but I do know the promoter Michael Ruge who is a colleague in a group of internet marketers that I am a part of. I encourage you to conduct your own research and due diligence but it seems to me that even if the e-bay course doesn�t teach you anything you get to cruise around a bunch of tropical paradises. Sounds pretty win-win to me. Here is the link:

www.MyEbayTrip.com

Again, if you are just making ends meet financially and find it hard to have extra money to invest in the stock market long term then I strongly encourage you to actively seek a$@^#!* money opportunities that allow you to leverage your free time in such a way that you have fun and make the extra income you need to have the investment savings to become a successful stock investor. Every so often I will e-mail potential a$@^#!* money opportunities as I come across them. Go here now to check this one out,

www.MyEbayTrip.com

-Scott

Ps. once you make your a$@^#!* money you need to know where to invest it so make sure you get my course. Here is the link for my free CD that also gives you a special price on the course that won�t last for long:

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

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

WalletDoctorBlog what the heck is Bluesman�s a$@^#!* money?

2006-01-28T06:21:00.000-08:00

Hi WalletDoctorBlog-

One of my very most enjoyable friendships is
with a hard working Southern redneck that I
will call �Bluesman� to keep his identity
anonymous. As you all know I have extensive
experience as a real estate investor. During
my Ph.D. in finance I used my heightened
money sense to sniff out great deals to acquire
homes from people who had mismanaged
their finances. Basically, I would have them
give me the deed to their home and I made
their payments. I am such a stickler for good
financial management and that was the only
reason many of these people were able to later
buy another house because they did not have to
go into foreclosure. My timely payments pumped
up their cruddy FICO scores. I personally built up
their credit again. Don�t think I was running around
stealing houses it�s just that I never paid money for
any of them; I paid with my brain power.
Of course, I kept all of the equity in the
house plus any extra cash flow above the
cost of servicing the loan after I put
someone in the house on a rent to own basis.
This wasn�t the only flavor of deal I did but
it was my specialty.

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

Anyway, as a graduate student I would
basically gypsy my way from house to
house in my rental portfolio during the five
years it took me to complete my Ph.D.
Yup, other graduate students were paying
rent and I was using a bevy of renters to
pay my lifestyle living in my nice houses
in nice neighborhoods; understanding high
finance the way I teach you is a great thing!

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

Well one day I moved into one of my larger
and nicer houses because it went vacant and
someone wanted to rent one of my other
houses I was living in. Well, the day I moved
in I was driving out and noticed my neighbor
straight across the street. I stopped and said,
�howdy new neighbor!� He stopped and
looked at me, smiled, and in a thick southern
accent said, �howdy back at yah, what�s your
handle?� His southern redneck accent is so
thick my Puerto Rican wife still to this day
cannot understand a word he says. She nods
and smiles like she understands when we all
go to dinner (or supper). I told him my name
and asked him his. He told me his name, told
me he used to be a blues musician and said,
�my friends call me, Bluesman!�

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

Well, �Bluesman� became about the only
bastion of sane thinking during the intensely
stressful period of my life when I was
completing my Ph.D. Due to circumstance
I had to do the entire Ph.D. temporarily
separated from my wife by circumstances
as she cared for her aging parents, so I could
get real mean and crazy around the department.
You can only imagine how many friends
I had as a graduate student; I still hadn�t
learned the secret technique to achieve true
forgiveness that I understand today so well.
I studied and worked on my dissertation 24/7
and I am not exaggerating because it was the
only way I was going to get back to my wife!

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

Bluesman would come over and invite me
out to the local Sushi bar when he was afraid
I might pop my cork from over work and go
on some psycho spree (yes a Ph.D. in finance
really is that difficult!). One day we were on
the way to the local Sushi bar and he stopped
at a nice house. He told me he had to clean
the pool. I was puzzled because I new Bluesman
was a highly successful plant technician making
a high salary as an employee a fortune 500
corporation. I said, �what are you doing this
for?� He said, �I am making my a$@^#!*
money!� �What the heck is a$@^#!*
money?�, I replied.

http://www.walletdoctor.com/stockcd.htm
He told me that he started years ago
cleaning swimming pools to increase his
retirement savings and investing beyond
and above his 401(k). A lot of his clients
have homes in the middle-upper class range.
They have now idea that, when he drives
out in his pickup truck and hops out in
his leather Nascar fan jacket that, he lives
in just as nice a home as they do. He told
me that one day he was cleaning a pool and
overheard a man telling his son in a low
voice, as they were sitting poolside at an
umbrella-table watching Bluesman clean
the pool, that if the guy�s kid didn�t work
hard in school he would �end up cleaning
pools just like that a$@^#!* over there!�
Bluesman was very polite in collecting the
bill. He went on to tell me that he laughed
all the way to the bank because all these years
he had used his a$@^#!* money to invest in
commercial real estate his pool cleaning
clients never had the spare cash to buy as
they kept up with the Joneses.

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

Now that Bluesman is getting close to
retirement he subscribes to Overseas Living
Magazine because all those off-hours extra
a$@^#!* money that he earned has multiplied
many times over from appreciation and cash
flow off of his investment properties. Right
now he spends his vacation time shopping
around in Brazil for a vacation house to live
down on the beach during the cold months.
Just the cash flow off of his rental property
is enough to pay his lifestyle sipping cocktails
and staring up at the Southern Cross in the night
sky as the waves lap the beach gently and a fresh
breeze stirs the palm trees. I know that when
he retires he will be grinning as he thinks back
on those pretentious clients who treated him
like an idiot. He will be grinning because
they still won�t have made enough on their
investments to retire to the southern hemisphere.
You can take the first step to putting yourself
in the financial driver�s seat just as Bluesman
has go here now:

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

-Scott

Ps. I just found out about a potentially great
way to make your own a$@^#!* money in
the comfort off your house. I will tell you
more tomorrow but if you want to find out
now go here:

www.MyEbayTrip.com

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Two for the money WalletDoctorBlog

2006-01-27T14:04:00.000-08:00

is one of the best movies I have seen all year
because it drives home my point of how any
feelings of low self esteem that you might
have can not only destroy you financial but
put you in a miserable dream state where you
miss all of the fun in life with the people who
love and care about you while you chase a pipe
dream of a future plush lifestyle that never come.
The end result is that if you live this way you
never live in the now. Our wisest mystics teach
us that neither the past nor the future is real but
the precious present moment is.
To be a great investor and joyful liver of
life you must learn how to �get into the now.�

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

In the movie after suffering a career-ending
injury, a former college football star played
by Matthew McConaughey aligns himself
with one of the most renown bookies, Al Pacino,
in the sports-gambling business who has a super
level headed wife played by Rene Russo. What
we learn part way into the movie is that Pacino�s
character is a reformed gambling addict.

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

There are a couple of scenes that are critical
to your investment education. The first scene
is when Pacino and McConaughey�s characters
attend a gambler�s anonymous meeting. Pacino�s
character explains that the reason that people
compulsively gamble is because they love to
lose! Think about this. Why do so many
undercapitalized desperate to get rich people
get attracted into high leverage capital markets
to seek out short term riches. Well pay attention
folks cause� here is how it is. The floor has all
the power in the short term!

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

That�s right, it is the local, the specialist, or the
floor broker who can hear the shouts of the crowd,
has been on the monitor everyday for years as a
job, has lived and breathed the short term futures,
options, and stock markets so much it is a part of
their unconscious psychology! That is what you
are up against in the short term. They can�t touch
you in the long term. In the long term all of the
industry folks who have all of the information have
no idea what will happen in the long term. If you
decide to learn how to understand the long term
stock price movements you will be in the driver�s
seat NOT them!

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

The second scene in the movie that is incredibly
powerful is when Rene Russo�s character, an
ex-junkie who unconditionally loves her husband
portrayed by Pacino puts what is really worthwhile
in this man�s life on the table. He can�t see what
is important in his life because he has not truly
forgiven whatever it is in his thoughts that make
him feel like a loser. Pacino�s character finally
learns true forgiveness and unravels the destructive
thinking that led to his financially disastrous financial
actions and you can see the family begin to heal.

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

Do you have and financially destructive beliefs
in your mind that cause you to make the same
bad financial decision over and over again?
I sure know that I used to and I am so much
happier now. There are true forgiveness
techniques that are largely a secret to the
general public that allow you to unwire your
bad system of thoughts and rewire your mind
in happy directions you really want to go.

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

One last thought. Did you know that your
mind is so powerful that you really do
receive whatever you request? If you think
you are worthy of health and financial
prosperity then your mind will give it to
you on a silver platter. If you think you
deserve sickness and financial disaster
than your mind will also hand that right
up to you on a stick just as easily. You decide
what you want and even if something else come
out of your mouth and what you want, deep
inside your mind hidden from public view, is
what you get.

Go here now and take you first step towards
turning the financial tide in your life:

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

Decide, live now, and prosper!

-Scott

Ps. The movie Boiler Room with Ben Affleck
is another great
one for these kinds of insights!

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WalletDoctorBlog how Gilda made Lenny�

2006-01-26T13:11:00.000-08:00

Hi WalletDoctorBlog

My father was a prominent optometrist in Northern California before he died when I was 19. I had the opportunity to work as a high school student with a dear friend of his, a practicing ophthalmologist in Southern California named Lenny.

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

Lenny and I became close friends and I was always in awe with the vast wealth that Lenny had attained. Lenny was very bitter about his divorce from his wife Gilda and since I was friends with Lenny I got an earful. Lenny was particularly bitter about the very large and luxurious house Gilda lived in that he felt that he had been forced to pay for. One day I made a comment near Lenny�s receptionist who spun around and scolded me severely.

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

She said, �Lenny is dumb as a rock when it comes to money and it was Gilda that made Lenny rich.� She went on to explain to me that Gilda became bored after the kids went to school as a housewife. She started watching the financial TV news and began reading books about investing in the stock market.

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

Then she took that enormous step that I want you to take. After she thoroughly educated herself she opened a trading account and started trading. Lenny made good money in his practice but not enough to get fantastically rich on. Gilda took the money and started investing it in the stock market and made Lenny�s good money into super-rich money in a short decade. They turned out to be a powerful financial team. Imagine what they could have achieved if they also knew how to maintain a solid marriage.

Take that first step, go here now, and get my free CD;

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

Let�s take it to the next level,

-Scott

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WalletDoctorBlog Do I have to buy the book?

2006-01-25T08:37:00.000-08:00

Good Morning WalletDoctorBlog;

This is what my students asked me in my
futures and options course that I teach at the
University of Puerto Rico and is the same thing
I was asked when I taught classes at the
University of South Carolina as a finance
Ph.D. student. Textbooks are very expensive
these days, normally in excess of a hundred
dollars.

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

Students freak out when they enter the
university system and find out how much
text books cost and I understand that. What
really concerns me is that the lazy, slothful,
�I�ll just sit here while you do everything for
me attitude� I am seeing in many (not all thank
God) university students today. By the way,
the students love me because I don�t attack
them for this attitude. I forgive them and then
do whatever I can to make them better prepared
in they area of finance. I always get the highest
student evaluations in the department because
I am a strict but gently mentor.

http://www.walletdoctor.com/stockcd.htm
I was talking to my brother Todd the other day
about how hard it is to get a good high school
student out of school because of the �not one
student left behind� c%$p that the government
promotes today. My attitude is that if the student
does not want to invest in the tools they need
or do the work that they should be allowed to
leave the system and do what they want.
Dragging a kid through the school system that
might otherwise find their genius as a craftsman
in a highly skilled trade is an enormous loss to
our society. I would like to see craftsman valued
for the incredibly valuable specialist that they
really. Also, I want to see trade schools supported
and promoted better instead of strengthening
the current school system that jackhammers
the right peg into the wrong hole!

http://www.walletdoctor.com/stockcd.htm
I know many a carpentry, for instance, that
got a degree in English because they were
forced through the university system by their
parents. When the got out and couldn�t get a
job in English they found their passion in home
building. I see an awful lot of shoddy construction
in home building today (I am an experienced
real estate investor) because trade specialization
is ignored in the United States today. It has
gotten so bad that people actually buy doctorate
degrees through diploma mill universities (so
be careful which �expert� you learn from).

http://www.walletdoctor.com/stockcd.htm
I get a lot of students that are in college today
because their parents insist that they go. And
surprise, surprise they are mediocre because
they don�t want to be there. Geez, figure that!
What these parents don�t understand is that
as a Ph.D. holding university professor I don�t
report to some PTA. If the student fails in my
class for being lazy, they just fail and it doesn�t
matter how much a parent huffs and puffs the
case is closed.

http://www.walletdoctor.com/stockcd.htm
The reason that I created my home study
stock investing course �Bulletproof Stock
Investing� is that I really love teaching adults
how know what they want to learn and recognize
that a course is an investment in their future.
Many college students these days look at the
cost of a course in terms of tuition and texts
as a burden on their weekend booze and
schmooze budget. I really enjoy interacting
with adults that REALLY want to learn how
to invest.

http://www.walletdoctor.com/stockcd.htm
My whole point here is that your investing
education is an investment itself. When
you learn to invest in the stock market
please take it seriously and set aside a little
time each evening to study hard and learn
and you will become a success. Go here
now to take a first step:

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

I am ready when you are,

-Scott

Ps. Tomorrow I will tell you about Gilda
who made her Ophthalmologist husband
fantastically wealthy from the stock market!

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Don�t feel sorry for me WalletDoctorBlog

2006-01-24T12:05:00.000-08:00

Hi WalletDoctorBlog

I have become friends with many of you
who have subscribed to the Wallet Doctor
because I have decided to send more
messages to help guide you down the path
to become a solid long-term stock investor.
I received an e-mail from you yesterday
expressing that you feel sorry for me
because I had such a bad time. I can�t
tell you how good it makes me feel to
know that you are concerned for my
financial welfare.

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

The truth is that the very hard knocks
that I went through in the beginning as
a derivatives trader have made me a very
competent long-term stock investor today
with bedrock solid personal finances today.
It really is true that there is a silver lining in
every difficulty, conflict, or tragedy in our life
if we will just apply the healing power of
forgiveness and then look deep into the
situation for our precious learning lesson
waiting for us to learn from if we decide.

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

The point that I was making with yesterdays
e-mail is that when I started investing I was
like most people. I was facing two major
problems without realizing it in that (1)
I did not have a successful mentor to guide
me along the path and (2) I was attracted
to the markets by fear and optimism
unbalanced with expert experience and
training that I gained when I found what
a special way to invest in long-term stocks
that I love to do. I was doomed from
the start and did not know it.

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

If you have someone that you know really
well that is a successful futures or options
trader who is a colleague or a family
member and you can verify for a fact that
they have been profitable in the long run
then you are a very lucky person. You
know one of the very few people that can
make money in these markets. If they
offer to mentor you then you should by
all means learn from them.

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

If on the other hand you are starting out
like I did without even a pot to spit in then
I will show you the ropes in such a way
that you don�t have to suffer the initially
heavy losses that I endured painfully.
The special report that comes with my
free CD gives you the initial starting steps
that you need to take to become a successful
investor. Go here now to get the free CD:

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

-Scott (Dr. Scott Brown, Ph.D.)

Ps. I will be sending you e-mails more
frequently, up to one per day, to help
guide you on how to take the first baby
steps as a long-term stock investor.
The feedback I am getting tells me that
my recent messages are helping a lot
people get the initial clarity they need.

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Mutual funds snare the public in a hidden tax trap

2006-01-24T03:02:00.000-08:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 15
Dr. Scott Brown, Ph.D.

MUTUAL FUNDS SNARE THE PUBLIC IN A HIDDEN TAX TRAP!

One among many ways you lose money in non-indexed mutual funds is the tax trap. You may have to pay taxes even when your mutual fund loses money! To many people this is painfully unexpected. Here is how this counter intuitive event occurs. By law, mutual funds do not pay taxes. Instead, they pass on those taxes to you, the shareholder in the mutual fund. If the fund manager sells a stock for more than it cost the fund a profit is generated. This profit is called a capital gain and it is taxable. Capital gains are taxed at your ordinary income tax rate which is between 28% and 38.6% for most investors if the fund held the stock for less than a year. If the stock was held for more than a year, in other words long term, the tax is 20%.

There are a couple of reasons why mutual funds pay taxes. If the fund does poorly investors will bail out. The mutual fund has to sell off stock to pay the investors who leave. Even if you are not one of the investors jumping ship you will still have to pay your portion of the capital gains tax.

Dividends are another reason that taxes come due. Dividends are taxed at the per-share earnings distributions that companies make out of their quarterly earnings. Many investors instruct their mutual fund to automatically reinvest their dividends. This means that the fund uses the money to buy more shares in your name. Even if you reinvest and never get a penny of the dividends, they are subject to tax, according to the IRS.

Another reason you may get a tax bill is due to high turnover. Turnover measures the frequency with which a fund manger buys and sells shares, sometimes in search of the next high-flying stock or undervalued stock on the verge of taking off. According to Lipper, the average fund in 2000 showed a turnover rate of 122%. This means that the entire portfolio changed between January and December, and 22% of the replacement shares changed as well. This is the ultimate case of account churning! You simply have to understand that when you buy into a fund you are buying into a tax liability.

The best way to avoid these taxes altogether is to restrict your purchases of mutual funds to your 401(k) and try to only buy indexed mutual funds such as the Vanguard 500 (FINX). If you want to learn more about investing in individual stocks get my course �The Blue-Collar Base Bonanza � What the insiders [definitely] don�t want you to know!� More detailed information about the course is on my website at http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=3&c=208.

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http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

Are you that f#$%&*@ stupid? WalletDoctorBlog...

2006-01-23T08:21:00.000-08:00

...this is what my wife practically screamed
at me when she found out that I had lost ten
thousand dollars trading options on that fateful
day back in 1995! I have to tell you WalletDoctorBlog
that I could barely look her in the eye.
I felt like a total heel!

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

I had finally figured out that low volatility
channels are a great way to trade futures
markets. Less than a year before I watched
all summer as CBOT corn went into a low
volatility trading range at record 20 year low
prices. But I made a major mistake. I didn�t
believe in myself enough and put a mechanical
stop-loss at the bottom of the channel. The
market did what I now know is normal�it
shook me out below the bottom of the channel a
nd knocked me right out of the market.

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

I then watched the corn market make one of
the largest moves in the past century without
me on board! I would have made over a million.
I was so angry that I just had to get back at the
market. I heard about some option guru who
claimed that futures options are safe and easy
(the firm is now bankrupt from mismanaged
futures option trading). My greed, anger, and
stupidity sucked me right into buying his options
course and I began trading options in the bond
market. It seemed like a sure thing but the
problem was that I didn�t really understand
options like I do today.

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

When the bond market started to move I
lost ten thousand dollars in the eight minutes
it took my futures brokerage associated person
to unwind me out of the CBOT bond market.
Once it was over I sighed in relief that I had
not lost my home because I didn�t understand
options at the time well enough to know
beforehand that my exposure was so substantial.
Then a cold terror came over me as I realized
that my wife had no idea what I had just done.
Our combined salary at the time was around
$50,000 per year and I was going to have to
tell her that I had lost a fifth of that in one day
trying to get back at the market.

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

When she came home and found out she could
barely control her tears. I promised her that
I would never put our hard earned assets on
the line again without prior consultation ever
again. I also began an intensely laser focused
study of all aspects of investing that led to my
Ph.D. in finance; the highest credential a person
can earn in the investment field.

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

In my study of the market I came to see that
manipulative insiders hide the fact that they are
loading up be letting single stock issues fall into
low volatility price channels. I also learned that
when they have their fill they jack up the market
for the single stock issue with a lot of marketing
hype and it all right on the public�s head at
exorbitant prices. Then the stock�s price
crashes and the public gets hosed out of its
savings.

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

As important, I learned from a friend of mine
who is a cognitive psychologist, Dr. Van
Tharp that people who are not at peace with
the markets always lose! I found out that the
only way for someone angry at the market
like I had been to undo the damage was to
truly forgive the market. At the time, this
was the most bizarre thing I had ever heard
especially since I am no religious type of
guy but it really worked! (Van introduced
me to the best structured meditation series to
learn true forgiveness called A Course in
Miracles and that is why I put new a section
on my discussion board about it.)

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

When I finally forgave the market all my
fear, greed, and stupidity vanished. I also
no longer had any desire whatsoever to enter
markets that I was simply too undercapitalized
to trade like futures or options. Once my
vision cleared by forgiving the markets I could
see that the vast majority of the public that trade
futures or options lose for a very subtle reason
people just don�t get. People are attracted to
these markets because they are financially
frustrated (they are really angry which is a
form of fear) with their finances.

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

Their anger and fear attracts them into these
extremely risky markets and the hucksters
that create futures and options courses usher
them in like circus carnies. But here is the
subtle truth that the futures and options
gurus never tell you. To trade futures you
have to be highly capitalized (have a lot of
money) to succeed. If you can go to Vegas
and play a $50,000 bankroll with no fear of
losing it because the loss won�t affect your
finances one iota then you have the basic
qualifications to potentially become a
successful futures trader. But here is the rub!
I just told you that most people who are
attracted to the futures markets are frustrated
because they don�t have much money! I
also just told you that you need a lot of
money to have a reasonable shot of winning
in these markets. This means that the vast
majority of futures traders are doomed to fail.

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

The same goes for options but the reason is
even more subtle. The option course gurus
usher people into the market by claiming that
there is very little risk in trading options.
They do correctly explain that you can buy
an option and enjoy a great amount of upside
profit potential with very little investment.
What they fail to tell you is that nearly all
options expire worthless. If you plop down
$2,000 to control $50,000 of futures contracts
of stock but then it expires belly up in two
months it seems to me that you just lost $2,000
of your saving!. That same $2,000 could
easily be worth $50,000 or even $200,000 or
more in ten or twenty years if invested in the
right low priced single stocks TAX FREE
through a Roth IRA.

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

After years of hard work I wired out my
Bulletproof Stock investing strategy that
lets me ride the backs of manipulative
stock market insiders as an unwanted guest
I decided to get back in to the market. My
wife was understandably hesitant when I
told her that I was going to put our nest egg
on the line again trading my innovative way
of looking at the stock market. It took her a
few years to trust that what I do really is so
much lower risk than even buying a mutual
fund. Now she doesn�t even blink when I tell
her that I am buying a few thousand more
shares of stock. She is completely calm
because I have had five straight winning years
while many other people in the public got
tattered by inside corporate executives when
they dumped all of their stock on the public�s
head in 2000 and began the downslide. Some
people will never enter the stock market again
because they got burned so bad and will never
learn that it was because they didn�t have the
special X ray glasses my course gives you.

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

I decided to share this very personally and
painful part of my development as an investor
with you so that you can truly understand how
deep in the investing trenches I have been and
how low the lows have been for us before we
found the silver (platinum really) lining of
long term single stock investing. I really
have been there and I really have done that
when it comes to all aspects of investing.
The reason that I am successful now as a long-term
single stock investor is that the application of true
forgiveness, experience and intensely focused study
has given me X-ray glasses that allow me to see the
long-term opportunities in the stock market
that you can�t see right now. I see the markets
in a different way because I am not blinded by
fear or rage. The key I want you to get is that
I no longer worry about my investing because
I have forgiven the market; I finally sleep like
a baby at night.

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

Ironically, a friend e-mailed me last Friday
the he thought that the stock market really
sucked. The market happened be in a hard
downturn. My friend is very wealthy from
years of working in an unrelated industry
but he makes the mistake of listening to
stock tips instead of trusting his own analysis.
His stocks lost a lot of money at the end of
last week. I e-mailed him back and told him
that even thought the DJIA and NASDAQ
indices (you will learn about these in my
course) lost a lot of ground that the stocks
my wife and I owned were completely stable.
There is a very special reason for this I teach
you in my course I call the strong hand effect.

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

That is why I don�t hype and pump some
get rich quick scheme on you that just to
sell a bunch of courses while I laugh all
the way to the bank and you get the shaft.
You will learn to invest the right way in my
Bulletproof Stock Investing course.
The course is not a bunch of CDs either; it is
a community of like minded investors that
you will enter into. I am not some fancy
guru. I am just a guy that got his butt kicked
severely hard in the market ten years ago,
learned from it, didn�t give up, studied it
way harder than anyone you know, and really
understands how to make money in the stock
market today. I won�t teach you hype or crap
and you will need patience but the potential
for you to get rich over the long haul in the
stock market really is there! Of all of the people
with investing courses out there I really am
one of the very few who can teach you the
right way to invest in the stock market because
I have been to hell and back and most
importantly I am profitable in my own stock
investing. Get off the fence and get my course
or at least get my free CD to hear more about
what I will teach you about stock investing the
right way. I won�t ever tell you what you want
to hear because I will only tell you what I know
is right for you to have a bright financial future.

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

I am here for you but you have to take the first step,

-Dr. Scott Brown, Ph.D.

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The healing power of true forgiveness WalletDoctorBlog�

2006-01-20T11:52:00.000-08:00

�is available to anyone who decides to employ this incredible psychological tool that is truly capable of transforming your life for the better. You must have always suspected that the grudges that you have held against other, the remembered slanders or hurts you felt yourself a victim of, or the derogatory comments or even thought you have made or had about someone else only hold you back from achieving your greatness.

http://walletdoctor.com/thedoctorisin/login.php

I have recently sent you two e-mails concerning the power of forgiveness. I have been very pleasantly surprised the many thanks you have given me for them. One Wallet Doctor Subscriber told me that she had never heard of a financial wealth teacher teaching about forgiveness. She was surprised to realize that it actually makes sense that forgiveness actually impacts her financial health directly.

http://walletdoctor.com/thedoctorisin/login.php

I have also had requests from you about how to learn how to do true forgiveness. For this reason I have just added a True Forgiveness section to The Wallet Doctor Discussion Board which is the general investing forum for the Wallet Doctor E-zine. Go there now, register, and post any questions you might have about this most powerful of all psychological tool that will transform you financial situation and general happiness.

http://walletdoctor.com/thedoctorisin/login.php

See you at the forum!

-Scott

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WalletDoctorBlog, what is the most powerful force in the universe?

2006-01-19T10:36:00.000-08:00

Hi WalletDoctorBlog;

The most powerful force in the universe is
FORGIVENESS. The reason that this is so
is that your mind and your thoughts create
your reality. Top investors for instance to
a tee all see themselves as in control of their
investing experience. These top earners know
that what your mind wants it also expects.

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

Well, what happens when the mind is split in
two directions? What happens if you feel
guilty about something you did in the past
or angry at somebody for what you think that
they did and at the same time are trying to
make a lot of money as an investor? What
happens is that your desire to grow wealthy
as an investor will push you forward but your
guilt, anger, or fear will pull you back. This is
just like driving a car with the parking break on!

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

Forgiveness is a psychological tool that you can
use to heal your mind. If you are afraid of
someone for instance and truly forgive them
you will no longer fear them. If you guilty
about something you did to someone in the
past and truly forgive yourself then you won�t
feel guilty about become financially successful.

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

If you are angry at someone and truly forgive
them you will no longer feel angry at them.
Most importantly with fear, anger, and guilt
erased from your mind it will operate more
efficiently in the direction you really want to go.
I teach you in my course how practice true
forgiveness so that you can tune up and
supercharge your mind toward the financial
goals you want to achieve.

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

Forgive, heal, and prosper,

-Scott

If you or someone close to you is in dire straights
and wants specific true forgiveness steps on an
intensive meditation path that is very
advanced and way beyond the financial scope of
my course send me an e-mail and I will tell you where
you can get the book.

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Did you know WalletDoctorBlog that sickness is anger taken out on the body?

2006-01-18T19:09:00.000-08:00

Don�t ever forget what I am about to tell
you WalletDoctorBlog because your life really
does depend on it;

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

My father died of throat cancer when I was 19.
That is certainly nothing new to you as I am sure
that you have had people close to you die of horrific
diseases around you before. The thing is that I
was studying molecular biology at the time and I
had started to seriously question if we really
understood disease and death. The reason is that I
was a student at one of the top schools in the world,
Indiana University, and my friends were among
the smartest in the world in terms of medical research;
the guys who teach your doctors what to do to you.

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

The reason I was questioning the nature of disease is
that I was becoming aware of spontaneous healings.
I began to notice that people who held in a lot of
anger, like my dad, died horrible deaths.
Alternatively, I also noticed that people that didn�t
take offense to things that happened to them in life
didn�t get as sick as often, as much or at all.

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

For instance I know of one women who was
spontaneously healed of cancer when she surrendered
all of her fear (anger is just a form of fear really).
I also know of a physician on the faculty of the
University of San Francisco who was spontaneously
cured of cancer after she decided to forgive
everyone she ever knew in her life. So here is a
question I pose to you. Does forgiveness have
the power to cure our physical illnesses? I have
come to observe that it does.

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

If forgiveness has the power to heal our bodies by
removing our fear, guilt, and anger what do you think
it can do for your finances? Is there a situation, person,
or memory that you can forgive right now to start
moving forward financially?

-Scott

WalletDoctorBlog, with teary eyes he thanked me

2006-01-17T11:25:00.000-08:00

Hi WalletDoctorBlog-

I have a close friend who just got out of his third
marriage. The thing is that each woman he
attracted into his life had the exact same kind of
defective negative thinking that led to large
financial losses, frustration, suffering for my friend.
Part way into the marriage he came to me and
confided that he desperately needed to get a divorce
and get out of the marriage.

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

I was very concerned for my friend because he is a
very disciplined and organized person with a decorated
career in the military that included multiple tours
of Viet Nam. My friend who is one of the best
drivers, for instance, was having difficulties driving
coherently because he was so upset about his marital
circumstances.

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

He came to me for financial advice and after I analyzed
the situation I told him that unfortunately the only thing he
could do was file for divorce. He warned me that his
third wife was very spiteful and was constantly trying to
provoke him into confrontation. She had already filed a
bogus spousal battery report at the local police station
that the judge threw out of court. He told me that she
was constantly in his face trying to provoke a reaction
from him so that she could have real grounds in divorce
court to clean him out of all of his hard earnings.

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

I told my friend that the financial advice I had given him
was the simple part. I then gave him the key to the most
powerful force in the universe. I was skeptical because
I know that some people cannot follow this special advice
when I give it to them. I told my dear friend that the only
way he was going to (1) get out of the divorce financially
intact without a criminal record and (2) undo the
psychological cycle that kept drawing him back into the
same kind of relationship was to forgive his wife! That�s
right; the most powerful force in this universe is forgiveness.

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

I told him that practicing forgiveness in his situation was
going to be tough. I told him that the first time he practiced
this that he may have to shut his eyes and focus on forgiving
her despite having clenched fists and intermittent swear
words due to the fear, anger, and frustration he would feel
toward her. I told him that in his mind he would know
if he had forgiven her (and himself) if he no longer felt that
either of them was in any way guilty of anything; if he saw
them both as completely innocent unconditionally.

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

We parted that day and because I am so busy creating
awesome courses to help you progress as an investor that
simply I forgot about the conversation. The next time
I saw my friend when we were driving down the road I
noticed that my friends eyes were tearing up. I really
shuddered inside because I suspected that he had some
real bad news for me that involved jail time. What he
said next totally blew me away! He said, �Scott, I
cannot believe that in all of my seventy odd years of
age that I have never learned the power of practicing
simple forgiveness and even crazier I learned it from
someone less than two thirds my age!�

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

He went on to tell me that he had done exactly what I
had told him and that even though it was hard at first that
over time he noticed that he no longer had any hard
feelings towards his wife. He said that it was extremely
ironic that the more peaceful he became around his
wife the more suspicious and spiteful she became.
It didn�t matter though because he had made his mind
into a brick-house through forgiveness out of the thatch-hut
it had been before. It didn�t matter any longer how
much the, menacing looking, wolf huffed and puffed she just
could not sway him any longer because she was forgiven!

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

He has now come through the divorce and feels in his
mind that he will never be attracted into the destructive
relationships like his last three marriages. Not only has
he learned to manage his finances better but also his mind.
I don�t just teach you investing in my course. If I did I
would be ripping you off. I also point you down the
road to how to clean the fearful junk out of your mind
so that you feel more peaceful, happy, and here.

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

If you are mad at someone causing you grief and want a
miracle then forgive them unconditionally to unwind your
mind and the situation. If you don�t know how to forgive
(most people don�t) don�t worry because I will give you
a vital tip in the next e-mail. Relax and enjoy your day
because you really are completely forgiven if you will
just accept it!

-Scott

Ps. If you think this message will help someone you
know dealing with a problem that forgiveness could
help please forward it to them from www.walletdoctor.com !

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WalletDoctorBlog, indecision is lethal to a good CEO!

2006-01-13T13:10:00.000-08:00

Hi WalletDoctorBlog;

This lesson is so important that I am sending
it to you again. I don't know if you remember the
movie about the Argentinean soccer players
that were stranded in an airplane crash in the
Andes on the way to Chile. The movie is
"Alive! (1992)."

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

In the movie the soccer team
finally figures out that nobody is going to
find them. Two of them decide to walk
down the mountain into Chile for help and
there is a lot of arguing about whether or not
to do anything.

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

There are two boys that make it down the mountain
and do find help while a few decide to stay behind
to help the injured. The rest just
give up and can't decide at all. Everybody
who has seen the movie knows that but here
is the rest of the story. One of these
young men is now a Hispanic corporate executive
highly regarded for his management ability and
highly sought after as a corporate speaker in
the Spanish language throughout the Hispanic
corporate world which is both affluent and well
educated.

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

A colleague of my wife at the large NYSE listed
bank they both work for had the pleasure of
listening to this motivational speaker and corporate
executive who survived this harrowing crash
and stranding.

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

He emphasized that he learned a skill, from
his crash and stranding experience that
resulted in the group resorting to
cannibalism of the dead victims of the crash
who were their departed friends, that sets
him apart in the world. He emphasized the
vital importance of decisiveness in his talk
in the Spanish language to the corporate
bank executives.

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

He said that some decided
to stay behind to help the others while the
two walked down the mountain but others
couldn't decide what to do at all and that
each person in the group that could not
decide what to do suffered a special fate;
each and every person who was indecisive
died...yup they died done dead!

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

This now successful Hispanic corporate
executive explained that the key to his
stellar rise was that he had developed the
ability to make a decision and stick to it
within 60 seconds after he gathers the
necessary facts. He further emphasized that
it normally takes him far less than 60
seconds to make a decision.

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

He has also
observed that managers that are slow
decision makers are bad administrators of
the operations they control. He simply does
not tolerate indecisiveness because he
knows how costly it really is. I see this, for
instance, in my university students who
don't open a Roth IRA immediately after I
explain to them how valuable it is.

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

I know that such university finance students
are NEVER going to succeed in the stock
market. If I take on a student and start to get
a whiff of the stench of indecisiveness the
show is usually over for the student. I give
them one warning and then if they still
exhibit indecisiveness they don't get
anymore of my time because I know that
they will never do anything with the
knowledge I give them.

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

Sometimes they
get mad at me when they figure out they are
getting blown off and I give them a second
warning and tell them to go look into a
mirror at the source of all their problems
(even my wife says I am way too direct but
I honestly don't know of anyway to handle
indecisive people because the drive me
absolutely bonkers!). Ask yourself this;
what can you do right now to change your
financial future and learn the
right approach to stock investing?

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

I am here for you,

-Scott

If you wish to cancel your subscription, simply click once on the link below.
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I swear WalletDoctorBlog, I am not on crack!

2006-01-12T11:11:00.000-08:00

Howdy WalletDoctorBlog-

If I were on were on crack then you�d have to call
me �The Crack Doctor� and that just doesn�t
sound nearly as right as �The Wallet Doctor.�
I do feel as hyped up as if I were on crack though
because of all of the fantastic things happening
right now!

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

Some of you know and have been eagerly
anticipating the release of Gecko Software�s
stock charting and simulation software. Well,
it is finally around the corner. No official
date yet from Lan Turner but it is definitely
right around the corner.

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

This software will be a part of my course
and will help you as a ninja assassin
bonanza base hunter after you study my course.
The inside corporate executives will be utterly
unable to project their evil voodoo on you!
This software will also help me teach you
more through webinars as part of my home
study course �Bulletproof Stock Investing �
what the insiders don�t want you to know!�

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

I can honestly tell you that I wish I had the
guidance when I started as a stock investor
that I will be giving you as a member of my
course. When Lan�s software is released there is
going to be a stampede, it has already started,
so get the audio CD that tells you about
my course today so that you can order before the
stampede turns into a roar!

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

Take action and do something to change your
financial life for the better now!

I am here for you and I am not nor have I ever been on crack,

Dr. Scott Brown, Ph.D.

Ps. My wife is calmer now but she really is
going to kick my butt if I keep giving the course
away at the low price you can only get through
the audio CD!

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WalletDoctorBlog, is my husband high on crack?

2006-01-11T06:13:00.000-08:00

Hi WalletDoctorBlog;

I am Dr. Brown�s wife Marisol. When he first told
me that he was going to teach all of his stock
investing secrets in his course he calls
�Bulletproof Stock Investing� I told him he must
be high on crack!

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

Then when he told me he was going
only charge around five hundred dollars
for the course I knew he was on crack. I
was mad that he was practically giving
our secrets away for free that cost us so
much to learn.

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

He made me listen to his �new and improved�
edition of the CD and he was pleased to hear
how much I really like it because of his
sincerity in trying to help people become
financially secure.

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

What really got my goat though was that
he offers a special discounted price for the
course that he doesn�t advertise only for people
who get the CD! I was so mad I made him
promise me he would never sell our investing
secrets this low ever again and he shook on it.

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

The course that reveals all of our investing
secrets will NEVER go for this low again. If
you want the special price then you had
better get the CD now because the price is
only going up. I have his word on this and
I have a cast iron skillet hanging on the wall
to enforce it.

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

If you want this reduced price then get the
CD for a limited (or I will kick his butt) time
offer,

-Marisol

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WalletDoctorBlog, join our fr^ee inv.esting discussion

2006-01-08T07:21:00.000-08:00

Hi WalletDoctorBlog;

I can answer your questions directly now in the new Wallet Doctor Discussion Board. When you get to the board you need to register to get your username and password. Here is the link to the board:

http://walletdoctor.com/thedoctorisin/login.php

IMPOTANT: When you get to the board you will see a �register� button that will take you to a form where you will have to set up your username and password to access the forum. Don�t forget your password because I don�t have access to it and you will have to reset if you lose it. Here is what you will see:
The Wallet Doctor Discussion Board
The Wallet Doctor Is In!
FAQ Search Memberlist Usergroups Register

http://walletdoctor.com/thedoctorisin/login.php

This discussion board is only open to you because you are subscribed to my Wallet Doctor ezine. Every time I send out an e-mail like this I get a number of investment questions. Many of these questions are the same other people have has well. To join the Wallet Doctor Discussion Board go here now:

http://walletdoctor.com/thedoctorisin/login.php

I created this for you. I wish I had the opportunity when I started to learn how to manage my finances and invest in single stocks for the long run. If you will post your questions on the board I will be checking in to answer them. This also gives you an opportunity to interact with other people in the Wallet Doctor community that you will also learn from and maybe even make new friends also interested in investing. Go here now to join the board:

http://walletdoctor.com/thedoctorisin/login.php

You will want to bookmark the link. By the way, thanks so much for all of the help with naming my new books! I can�t tell you how much this helps me help you,

-Scott

If you wish to cancel your subscription, simply click once on the link below.
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WalletDoctorBlog, he had sixty seconds or he died

2006-01-06T08:06:00.000-08:00

Hi WalletDoctorBlog;

I don't know if you remember the
movie about the Argentinean soccer players
that were stranded in an airplane crash in the
Andes on the way to Chile. The movie is
"Alive! (1992)."

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

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

There are two boys that make it down the mountain and do
find help while a few decide to stay behind
to help the injured. The rest just
give up and can't decide at all. Everybody
who has seen the movie knows that but here
is the rest of the story. One of these
young men is now a Hispanic corporate
executive highly regarded for his management
ability and highly sought after as a corporate
speaker in the Spanish language throughout the
Hispanic corporate
world which is both affluent and well educated.

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

A colleague of my wife at the large NYSE listed
bank they both
work for had the pleasure of listening to this
motivational speaker and corporate
executive who survived this harrowing crash
and stranding.

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

Sometimes they
get mad at me when they figure out they are
getting blown off and I give them a second
warning and tell them to go look into a
mirror at the source of all their problems
(even my wife says I am way too direct but
I honestly don't know of anyway to handle
indecisive people because they drive me
absolutely bonkers!). So I ask you this
right now; what are you going to do to
change your financial future and learn
the right approach to stock investing?
Click below if you can decide within
60 seconds:

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

I can help you if you are or can learn
to be decisive,

-Scott

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

WalletDoctorBlog, our hairdresser retired well from stock investing

2006-01-06T03:03:00.000-08:00

Hi WalletDoctorBlog,

I just had a conversation two days ago with
family friends who lived in the same neighborhood
as I grew up.

None of us knew that they were getting rich in
the stock market by saving a little bit every
day from what she made cutting hair. Then she
invested it in the stock market. She told me that
She literally can�t believe how much she is worth now.

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

On my fr-ee CD, you will be hearing me,
the Wallet Doctor disuss stock investing.
I will help you create and grow strong, powerful,
and highly profitable ways of investing in
the stock market.

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

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 folks just like you.

Here's what one person had to say about it:

��The Bulletproof Stock Investing System� is
the most most profitable and easy to understand
Stock investment Course I have ever studied, and
I have studied many investment courses. � �
Rudy Gallion � California

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.

You will learn profitable stock investing
strategies from me!

Scott Brown, Ph.D.

PS: This really is your first step to financial
success if you decide to take it.

Go Here Right Now:

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

If you want to read what others had to say about
this audio CD, go visit our website right now.

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

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

The Delano Max Wealth Institute, LLC
5190 Neil Road, Suite 430
Reno, NV 89502
530-336-6616

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WalletDoctorBlog, recommendations for the beginner investor

2006-01-05T12:21:00.000-08:00

We have a nice thread started on the Wallet Doctor Forum concerning the basic steps you need to do to get started investing. When you get to the board you need to register to get your username and password. Here is the link to the board:

http://walletdoctor.com/thedoctorisin/login.php

You will want to bookmark the link. By the way, thanks so much for all of the help with naming my new books! I can�t tell you how much this helps me help you,

-Scott

If you wish to cancel your subscription, simply click once on the link below.
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WalletDoctorBlog, another year gone by and is the stock market is still a mystery to you?

2006-01-04T09:36:00.000-08:00

Hi {FISTNAME};

Look, I have been where you are right now.
when I started all I had was the desire to learn
to invest but I didn�t have anyone to show me
how.

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

I didn�t have a rich uncle or a rich anyone for
that matter who really knew what made the
markets tick. I read just every book published
about investing I could find.

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

One day I came across some real backwater,
obscure publications that talked about how
big guys like J.P. Morgan used to corner the
market. I didn�t realize it at the time but I had
stumbled across the secret to consistency as a
stock investor.

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

It took me years though to realize just how
valuable what I knew was. I had to bounce
everything of my Ph.D. research and over time
came to see that what I had found is the most
consistent approach to the stock markets I am
aware of.

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

Look, another year has passed and if you
are still in the same place with the same
desire to learn how to invest in the stock
market then ask yourself why. You can take
a small step forward by listening to the
audio CD I have prepared for you.

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

What is your new years proposition? If it
involves financial security in any way than
this CD is tailor made for you.

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

I am here to help you but you have to take
the first step,

-Scott

If you wish to cancel your subscription, simply click once on the link below.
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WalletDoctorBlog, more answers to your questions

2006-01-03T11:06:00.000-08:00

Hi WalletDoctorBlog;

I can answer your questions directly now in the new Wallet Doctor Discussion Board. When you get to the board you need to register to get your username and password. Here is the link to the board:

http://walletdoctor.com/thedoctorisin/login.php

You will want to bookmark the link. By the way, thanks so much for all of the help with naming my new books! I can�t tell you how much this helps me help you,

-Scott

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

WalletDoctorBlog, answers to your questions

2006-01-02T06:36:00.000-08:00

Hi WalletDoctorBlog;

I can answer your questions directly now in the new Wallet Doctor Discussion Board. When you get to the board you need to register to get your username and password. Here is the link to the board:

http://walletdoctor.com/thedoctorisin/login.php

You will want to bookmark the link. By the way, thanks so much for all of the help with naming my new books! I can�t tell you how much this helps me help you,

-Scott

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490&scope=all

Mutual funds snare the public in a hidden tax trap

2006-01-02T03:02:00.000-08:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 15
Dr. Scott Brown, Ph.D.

MUTUAL FUNDS SNARE THE PUBLIC IN A HIDDEN TAX TRAP!

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WalletDoctorBlog, how we can create a better habitat for humanity

2005-12-29T11:36:00.000-08:00

Dear WalletDoctorBlog,

I am involved with my friends in a year-end
money online charity event for the poor.

http://theUltimateLeadGenerationPlan.com

Habitat for Humanity is a group that
helps people get out of homelessness and
into their own homes. They are also selective,
unlike the federal government so that the
people they put in learn financial skills and
have a shot at not going back into the
poor house.

http://theUltimateLeadGenerationPlan.com

Here is an EASY WAY to help HABITAT.
My friend, Matt Bacak, has assembled a
group of thousands of online marketers to
launch his new book
"The Ultimate Lead Generation Plan"
If you order a copy (for $14.95 or less)
by Midnight on 12/31, all the proceeds are
being sent direct from the publisher to
Habitat For Humanity.
Plus, you get over 200 bonus gifts!
That is NOT a misprint.
This is the largest online book launch in
history, thousands are participating
and hundreds have donated gifts.
Read about this at:

http://theUltimateLeadGenerationPlan.com

Some of the bonus gifts are given to you
when you get to the web site. ALL of them
are included when you order one or more
books.

These gifts include online courses,
complete e-books, audio programs.. the
list is too long to print here... some
have sold separately for thousands of
dollars... you get them all when you
order the book.

It's that simple.

You will find several that are worth many
times the small price of a book. I don't
know which will make the big difference in
your life, but with that many bonuses, you
will find something.
And, you'll be helping us build homes
through Habitat For Humanity.
Take a moment now, pick up the pre-order
gifts with no purchase obligation, and
read about Matt's amazing program.

http://theUltimateLeadGenerationPlan.com

I wish you a happy and prosperous New Year
to you and yours,

-Scott

PS. Can you help me spread the word?
We are sending this to millions of people,
but I know you have friends who haven't heard
about it yet.
Tell them about our home building program, and
let them in on the 202 gifts too.
http://theUltimateLeadGenerationPlan.com
Don't forget. Do this by the end of
the year.

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http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

WalletDoctorBlog, help me name your books

2005-12-20T08:36:00.000-08:00

Hi WalletDoctorBlog,

I am writing two books that will be reasonably priced paperback books like the ones you buy at the book store. One book gives you the basic point of my home study course �Bulletproof Stock Investing � what the insiders don�t want you to know!� and the otehr book willeducates people who are new to the stock market. I need your help naming the book. I would really appreciate is if you could tell me which name you like the most for each of these books. Pick one name from each list below.

Home Study Course Related Investing Book Name Ideas:

1. Stock Investing Secrets of the Ultra-Rich � what the insiders don�t want you to know!
2. The Stock Investment Secrets of the Ultra-Rich � what they don�t want you to know!
3. Stock Investment Secrets of the Super-Rich � how they got that way!
4. Bulletproof Stock Investing � what the insiders don�t want you to know!
5. All Aboard the Money Train � how to Piggyback Stock Market Insiders for Obscene Returns!
6. The Inside Track in the Stock Market � how to buy ultra low and sell obscenely high with corporate insiders!
7. What the Government Doesn�t Want You To Know About Stock Investing � secrets of the ultra-rich insiders!
8. The Blue-Collar Base Bonanza � what the insiders don�t want you to know about the stock market!

General Investing Book Name Ideas:

1. The Wallet Doctor�s Complete Moron Guide to Stock Investing � anyone can understand how investors get rich in the stock market! (Wallet Doctor�s Complete Moron Guide Series)
2. The Millionaire in Training Guide to Stock Investing!
3. What the Bleep Do You Need to Know About Stock Investing!
4. The Wallet Doctor�s Survival Guide to the Stock Market � a stock investment foundation to survive the Wall Street stock investing jungle! (Wallet Doctor�s Survival Guide Series)
5. The Wallet Doctor�s Survival Handbook to the Stock Market � a stock investment foundation to survive the Wall Street stock investing jungle! (Wallet Doctor�s Survival Handbook Series)
6. The Wallet Doctor�s Survival Handbook to the Stock Market � a stock investment foundation to survive the Wall Street hyena packs! (Wallet Doctor�s Survival Handbook Series)

Thanks for all of the help,

-Scott

WalletDoctorBlog, our hairdresser retired well from stock investing

2005-12-16T03:03:00.000-08:00

Hi WalletDoctorBlog,

I just had a conversation two days ago with
family friends who lived in the same neighborhood
as I grew up.

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

On my fr-ee CD, you will be hearing me,
the Wallet Doctor disuss stock investing.
I will help you create and grow strong, powerful,
and highly profitable ways of investing in
the stock market.

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

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 folks just like you.

Here's what one person had to say about it:

You will learn profitable stock investing
strategies from me!

Scott Brown, Ph.D.

PS: This really is your first step to financial
success if you decide to take it.

Go Here Right Now:

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

If you want to read what others had to say about
this audio CD, go visit our website right now.

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

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

The Delano Max Wealth Institute, LLC
5190 Neil Road, Suite 430
Reno, NV 89502
530-336-6616

If at any time you wish to unsub-scribe, simply cl-ick the li-nk below:
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

A remake of the sting; the modern day mutual fund

2005-12-12T03:02:00.000-08:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 13
Dr. Scott Brown, Ph.D.

A REMAKE OF THE STING; THE MODERN DAY MUTUAL FUND!

Arthur Levitt, during his tenure at the SEC, experienced many cases where the non-indexed mutual fund manager bought shares for their own accounts before the fund bought the shares. The fund�s purchases drove up the price of the stocks and the fund manager�s made a killing on the deal. This is called �front running,� and is illegal under securities laws.

Mr. Levitt also witnessed instances where the funds would buy huge blocks to run up the stock price at the end of the financial reporting period. This made the fund look like it had a high profit when it did not. This makes the fund�s performance look better than it really is.

The SEC brought enforcement cases against some of the largest and most respected companies during Mr. Levitt�s tenure as SEC chairman. A mutual fund run by Van Kampen Investment Corp. for example, claimed in public advertisements that it had returned 62 percent in 1996. This information caused the fund-rating service Lipper Inc to report the mutual fund as the top performer in its class, a full 20% ahead of the second-best performing fund in the category.

But investors weren�t told that the excellent returns of the Van Kampen fund were on tiny assets of $200,000.00 to $380,000.00. This is because it was really a so-called incubator fund operating on seed money until its portfolio manager could establish a track record for marketing purposes. Nor were investors told that more than half the returns came from investments in thirty-one hot IPOs. An IPO is an �Initial Public Offering� that occurs when a firm first offers its stock across a public exchange. Since the stock is new nobody knows how it will perform except insiders.

The fund only had to buy between 100 and 400 shares of each IPO to achieve a huge amplification of the returns. The 62% return unrealistically raised investor expectations and was unsustainable. When senior managers of Van Kampen decided to sell the fund to the public some 15,000 people invested $100,000,000.00 within six weeks. Van Kampen settled SEC charges that it had misled investors. What a bunch of con artists. The modern day mutual fund is like a remake of the move �The Sting� where Paul Newman�s character has been replaced by the fund manager!

A fund run by Dreyfus Corp., owned by Mellon Financial Corp., paid almost $3 million to settle, without admitting or denying guilt, similar charges of fraudulently luring investors with unsustainable returns. Its manager claimed returns of more than 80%, but failed to tell investors that the fund had received a disproportionate number of IPO shares that should have been allocated to other Dreyfus funds.

The fund industry would work less on image creation and more on making sure that it has done everything it can to safeguard investor�s money and boost returns. The mutual fund industry has become a financial powerhouse over the past twenty years and only cares about how much money it can suck out of the public just as it was at the turn of the last century when they were called investment pools. Funds are glitzy marketing operations instead of stewards of other people�s money. Don�t put your trust in them unless they are fully indexed like the Vanguard 500 (VFINX). Of course, you are best off with individual stocks. Learn to pick stocks likely to have big rises in my course The Blue-Collar Base Bonanza�what the insiders [definitely] don�t want you to know! More detailed information about the course is on my website at http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=3&c=208.

If you wish to cancel your subscription, simply click once on the link below.
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WalletDoctorBlog, how my hairdresser retired ri-ch from stock investing

2005-12-11T17:23:00.000-08:00

Hi WalletDoctorBlog,

I just had a conversation two days ago with
family friends who lived in the same neighborhood
as I grew up.

http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=7&c=208

On my fr-ee CD, you will be hearing me,
the Wallet Doctor disuss stock investing.
I will help you create and grow strong, powerful,
and highly profitable ways of 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 folks just like you.

Here's what one person had to say about it:

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.

You will learn profitable stock investing
strategies from me!

Scott Brown, Ph.D.

PS: Supply is limited and over 700 people are
getting this same email, right now.

Go Here Right Now:

http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=7&c=208

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=7&c=208

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

The Delano Max Wealth Institute, LLC
5190 Neil Road, Suite 430
Reno, NV 89502
530-336-6616

If at any time you wish to unsub-scribe, simply cl-ick the li-nk below:
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

WHAT THE SEC REALLY THINKS ABOUT MUTUAL FUNDS!

2005-11-27T03:03:00.000-08:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 12
Dr. Scott Brown, Ph.D.

WHAT THE SEC REALLY THINKS ABOUT MUTUAL FUNDS!

Let�s go into the details of why non-indexed mutual funds are such a bad deal. When Arthur Levitt became the head of the Security Exchange Commission in 1993 he had to sell off all of his individual stocks so that people would not claim that he was doing any dirty inside dealing. He decided to put the cash from selling off his stock portfolio into mutual funds.

Mr. Levitt grew very angry when he tried to decipher how particular mutual funds divvied up their cash into specific stocks. He couldn�t make heads or tells from the fancy brochures of the mutual funds called prospectuses. He had been a major player in the stock brokerages for over 25 years at that point and knew that if he couldn�t understand the mutual fund�s prospectus then he knew public investors couldn�t either; it had to be a big scam to suck money out of the public.

In 1980 the US public invested $100 billion into the 500 mutual funds that existed at that time. By 1993 the public put $1.6 trillion into the more than 3,800 mutual funds that existed in that year; talk about growth! By the end of February 2003, at the bottom of the bear market there were 8,200 mutual funds and the public had pumped in $6.3 trillion dollars. Wow! That is a lot of money. What is important to note is that at least 40% of mutual fund money comes in from 401(k) retirement accounts. Today these mutual funds own about 20% of all publicly traded shares of stock. Mutual funds act like a herd of cows buying and selling the same stocks at the same time. This increases the wild price volatility swings in the stock market.

These funds are also sold and managed on pure hype, short term trading, and with key information withheld from the public. All of these factors I teach finance students and investors to avoid! The industry confuses investors by focusing on past performance, which should not be a factor to consider. Many mutual funds are able to cheat the public with excessive fees because investors don�t understand how these big costs destroy their profit. Mutual funds have no interest in educating investors because it is easier to hoodwink the ignorant. If you want to learn more about investing in individual stocks get my course �The Blue-Collar Base Bonanza � What the insiders [definitely] don�t want you to know!� More detailed information about the course is on my website at http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=3&c=208.

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

http://www.ideamarketers.com/library/article.cfm?articleid=65748

2005-11-22T13:59:00.000-08:00

http://www.ideamarketers.com/library/article.cfm?articleid=65748

The Wallet Doctor ezine is now in Spanish

2005-11-13T12:50:00.000-08:00

If you prefer to receive the Wallet Doctor in
Spanish please click on the link below now
to subscribe:

http://www.abundanciafinanciera.com/

Please let anyone else who you may now
who would be interested in this opportunity
to learn more about investing by forwarding
the link.

http://www.abundanciafinanciera.com/

We are working hard to bring you a number
of new opportunities we will reveal to you
in the next month.

http://www.abundanciafinanciera.com/

As always please let us now how we can
best serve you,

-Scott

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THE 401(K): HOW INSIDERS HAVE STOLEN YOUR RETIREMENT!

2005-11-11T03:03:00.000-08:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 11
Dr. Scott Brown, Ph.D.

THE 401(K): HOW INSIDERS HAVE STOLEN YOUR RETIREMENT!

Mutual funds were moderately successful in creating a presence in the stock market until the advent of the investment retirement account and in particular the 401(k). Corporate insiders persuaded the federal government to allow for the 401(k) in lieu of offering employees the traditional pension. When this happened the employees lost the protection of a specialized financial manager who could manage both the return and the risk of the retirement money of the worker.

This forced employees who are supposed to specialize in their work area into the field financial management with no training whatsoever. The 401(k) effectively FORCES individuals into mutual funds that as I just mentioned were notorious at the turn of the last century for defrauding the public of its savings. Ironically, these same executives had at the time, and still have, their company department of corporate attorneys. These secret departments do nothing but invent new ways for corporate insiders to suck more money out of the firm in the form of perquisites, stock options, and golden parachutes. This is the �new� form of executive stewardship over the shareholder value and employee retirement!

Why is this so tough on the employee? The 401(k) plans do not offer individual stocks only mutual funds. What a scam! Corporate executives have effectively forced you to place your retirement dollars with their cronies in the securities industry who manage these investment pools. If you could talk to someone in the 1920�s about this they would be shocked. Someone from back when these investment pools were actively fleecing the public would see this as a criminal act perpetrated by the US federal government, inside corporate executives, and mutual fund managers.

Does that mean the 401(k) is a bad deal? That depends. If your employer matches a percentage of your wages it may be a fair deal but you should only contribute only up to the matching limit. After contributing the maximum matching amount to your 401(k) then put the rest in a Roth IRA. If your 401(k) provider offers an indexed mutual fund then put your money into that. An indexed mutual fund uses a stock market index such as the S&P500 to guide which stocks are bought. The biggest and oldest indexed mutual fund is the Vanguard 500 (VFINX).

A computer divvies up the cash in the fund to match the index as closely as a possible. As such, there is not fund manager to sitting on your hard earned retirement savings to rip you off in bogus fees. If you want to learn more about investing in individual stocks get my course �The Blue-Collar Base Bonanza � What the insiders [definitely] don�t want you to know!� More detailed information about the course is on my website at http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=3&c=208.

If you wish to cancel your subscription, simply click once on the link below.
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MUTUAL FUNDS: THE MODERN DEN OF THEIVES!

2005-10-29T03:12:00.000-07:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 10
Dr. Scott Brown, Ph.D.

MUTUAL FUNDS: THE MODERN DEN OF THEIVES!

Mutual funds were created with the idea that one person can specialize and manage the investments of a large pool of money from multiple investors. Before the great depression mutual funds were called investment pools and mutual fund managers were called pool operators. The bull market of the 1920�s created a time of economic prosperity akin to the 1990s. The conceptualization of the pyramid scheme occurred at this time as well.

Ironically, the pyramid scheme had been debunked in 1920 when Charles Ponzi was arrested for offering investors unsustainable returns on postal certificates. The investors lost all of their money in Ponzi�s elaborate con job for which his name became synonymous. He was reportedly making a killing buying the postal certificates in Europe at low price and selling them at high prices in the United States. Con jobs in general like the one perpetrated in the movie �The Sting� with Robert Redford and Paul Newman were labeled �Ponzi Schemes.� The public never saw through the investment pool concept as a new form of Ponzi scheme.

Investment pools eventually became thought of as a rip-off in the mind of the public. This is because becoming a pool operator was like having a license to steal. Instead of focusing on the interests of the public who had money in the �fund� the pool operators would engage in risky investments because the money was not theirs. They would also pay themselves extremely large fees. It became very clear to the public that investment pools were a big-rip off in the aftermath of the stock market crash of 1929.

There was so much abuse by pool managers that the Security Exchange Commission (SEC) was formed in large part to stop these rip off artists. The SEC effectively shut down the more blatant con jobs. Then the securities industry came up with a fancy new name for investment pools to suck the public back in: �Mutual Funds!� If you want to learn more about investing in individual stocks get my course �The Blue-Collar Base Bonanza � What the insiders [definitely] don�t want you to know!� More detailed information about the course is on my website at http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=3&c=208.

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WalletDoctorBlog, how strong is your retirement plan?

2005-10-14T03:07:00.000-07:00

Hi WalletDoctorBlog,

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.

Go Here Right Now To Get The Details:

http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=7&c=208

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
information packed CD. Get your pen
and paper ready, set, go!"
-Rudy Gallion, "Seasoned Investor"

Let me be your wealth trainer!

Scott Brown, Ph.D.

PS: Supply is limited and over 700 people are
getting this same email, right now.

Go Here Right Now Do You Don't Miss Out:

http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=7&c=208

PPS: Here's what another person thought about
this audio CD:

"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=7&c=208

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

The Delano Max Wealth Institute, LLC
5190 Neil Road, Suite 430
Reno, NV 89502
530-336-6616

If at any time you wish to unsub-scribe, simply cl-ick the li-nk below:
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

WHAT IS THE ROTH 401(K)?

2005-10-12T03:41:00.000-07:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 9
Dr. Scott Brown, Ph.D.

WHAT IS THE ROTH 401(K)?

This retirement account is so new and unique that you may not have heard of it. For additional reasons, I describe in my home study course, corporate insiders may not want to offer it to corporate employees. This is because some executives only consider their employees canon fodder.

The Roth 401(k) was created when the Economic Growth and Tax Relief Reconciliation Act of 2001 was passed. There is a provision in the law that allows employers to offer their employees the opportunity to make Roth 401(k) deferrals. Nobody paid much attention, since the new provisions applied only to tax years beginning after 2005, but now 2006 is almost here, and people are waking up.

Deductible IRAs and regular 401(k) plans work well for those taxpayers who expect their marginal tax rate to decrease during retirement because they will be making less money. This means that you're waiting until you retire to pay taxes on dollars you make today at a higher marginal tax rates. You pay on all that money during retirement when your marginal tax rate is less.

Some taxpayers who are smart investors actually expect their marginal tax rate to either remain the same or actually increase when they retire because they are a lot wealthier from their stock investments. They also want to spend and have fun since they taught their kids well how to fend for themselves. There are many investors out there that would certainly fall into this category, even if they don't know it quite yet from investing smart in the stock market as I teach in my home study course.

For those taxpayers who are going to be worth a boatload of money down the road, the Roth IRA used to be the absolute king. Like I told you in newsletter volume 1, issue 5, you pay taxes today when you aren�t worth as much but get to take it out and go on world cruises and the like after you retire (assuming certain restrictions are met). And that's just �neater than peanut butter� for those taxpayers who expect to get whacked by the IRS on taxes when they retire. But don�t forget that the nasty drawback to the Roth IRA for many people is the fact that contributions can't be made if income is above certain limitations.

For the Roth 401(k), this is longer the case. Beginning in 2006, a 401(k) plan may allow employees to designate some or all of their elective contributions as Roth contributions. Different from regular 401(k) contributions, which are excluded from the employee's taxable income, any amount designated as a Roth 401(k) contribution would be included as taxable income to the employee.

But when you take cash out of your Roth 401(k) contributions at retirement it is completely free from federal tax. Also, unlike regular contributions, Roth 401(k) contributions are allowable regardless of your income level. So, if you are pulling down the big bucks this allows you to have the glorious benefits of the Roth IRA account I told before that you couldn�t put money into because of your high income.

Your employer is going to kick up the administration fees but if you understand the great benefits you probably won�t mind. In order to make this Roth 401(k) thing happen, the company that administers your regular 401(k) plan will have to perform additional accounting. The Roth 401(k), and the associated earnings, will have to be maintained in a separate account from your regular 401(k) monies. Additionally, the administrator will be required to separately to separate out, on a reasonable and consistent basis, gains and losses between the designated Roth contribution account and other accounts under the plan. Because of this increased accounting requirement, I guarantee that they are going to pass on these increased fees to you to administer these types of plans.

One of the drawbacks to the Roth 401(k) plan is that no employer matching contributions or plan forfeitures can be allocated to the Roth contribution account. That means that you won�t get any matching and won�t be able to roll over dough from your regular 401(k). If you study my course carefully you will understand why you probably won�t care.

Here are some other notes relative to the new Roth 401(k) account:
� Section 403(b) Plans are eligible. While the new law specifically refers to 401(k) plans, 403(b) plans are also a go.
� Plans must be amended. Before accepting Roth contributions, 401(k) and 403(b) plans must be amended to allow for separate tracking of the Roth contributions. Again, this will be an additional expense to the employer that they will pass on to you.
� Plan changes are voluntary for the employer. There is nothing in the law that requires employers to change their 401(k) or 403(b) plans to allow for the Roth contribution. If this is the case with your employer, there is essentially nothing that you can do about it. It simply means that you will not be allowed the benefits of a Roth 401(k) with that employer. After you study my course you will understand why the executives up top may not want you to have a Roth 401(k).
� This is for a limited time only. Roth 401(k) plans are scheduled to expire at the end of 2010. Therefore, after 2010, Roth contributions could remain in the plan, but no new Roth contributions could be made after that time. Obviously, Congress could extend these provisions at some time in the future. This is likely should these plans become popular and the managing insiders let their corporations have the plan.

So it's not too soon to start hammering your corporate employer about this plan for 2006. You can see if your employer is interested in making the plan amendments. It's likely that the major corporations will be more interested in adding the Roth provision to their 401(k) plans than smaller corporations or businesses because of the cost but again it depends on where your employer�s executive inside interests are aligned. You'll want to check with your employers to find out where they stand on the Roth 401(k) and how likely it might be that they will make the appropriate adoptions necessary to implement the plan.

If you can pick this beauty up it is a phenomenal way to buy stocks low and sell them high tax free as I teach you in my course �The Blue-Collar Base Bonanza � What the insiders [definitely] don�t want you to know!� More course information is on my website at http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=3&c=208.

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.

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

WalletDoctorBlog I want to thank you for the great feedback�

2005-09-22T09:36:00.000-07:00

Hi WalletDoctorBlog-

I received a lot of great feedback from some of in the wallet doctor. For instance I am going to offer Saturday morning seminars for those of you who find it hard to get onto evening calls because of work and family. Don�t forget that stock investing doesn�t need to be confusing. It can be fun, enlightening, and give you greater freedom. As an experienced professional financial advisor, in the business for fourteen years, I know how to teach you how to make money in the stock market. I�m here to help you analyze your needs�so get on my free conference calls that are only available to subscribers of the Wallet Doctor.

-Scott

Ps. If you have any ideas of things you want to learn about stock investing please e-mail them to me ASAP so that I can make it part of the mega revision I am doing on the course. This will make the next edition of the course more focused on what you really want to learn and acheive.

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

WHAT IS THE SIMPLE IRA?

2005-09-22T03:00:00.000-07:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 8
Dr. Scott Brown, Ph.D.

WHAT IS THE SIMPLE IRA?

This retirement account is awesome if you own your own business. Any family business applies such as a home based or �brick and mortar� real estate rental and investment business, car-wash, gas station, restaurant, etc. Like the SEP-IRA, the SIMPLE IRA is company-sponsored. As a small business owner, for 2003 for instance you could have matched each employee's pay up to 3 percent or $8,000, whichever is less.

That adds up to a lot of money when it is a profitable business and family members are employees. SIMPLE IRA contributions are fully deductible when you put the money in the account but you will have to pay taxes on any profits you make on the stock when you retire. In addition to a SIMPLE IRA accounts, individuals and home based small businesses have an additional option to sock away money toward future retirement educational needs through educational IRAs.

Small businesses, which cannot afford to sponsor a 401(k) or 403(b), can also offer employees basic retirement plans established for the benefit of their employees. Sole proprietors also now also can open individual 401(k) plans. Examine the options and pick the one that maximizes your long-range savings goal. And don't wait. Take advantage of compound earnings and start socking away cash now for tomorrow.

-Scott

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

WalletDoctorBlog, I desperately need your feedback�

2005-09-20T10:04:00.000-07:00

Dear WalletDoctorBlog;

I sincerely want to know what you want! I have worked very hard to study every investing strategy out there to help you become wealthy. I have also worked incredibly hard to persevere through a Ph.D. in finance to make sure that I know what I am talking about. I have been e-mailing you to get on my teleconferences where I discuss investing or interview other successful people. I have not been getting many people on my calls. I don�t understand why so I decided to just honestly ask you.

I also have not had many people showing interest in my Bulletproof Investing CD. Can you please tell me what you would like to see in my products? Do you want a lower price for the course? What would you feel would be a fair price for a course that will teach you how to retire securely? Do you want more telephone seminars? Do you want speakers in specific areas? What can I do for you?

Please let me know as I am here to serve you and help you become wealthier,

-Scott

If you wish to cancel your subscription, simply click once on the link below.
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

WHAT IS THE SEP IRA?

2005-09-07T22:10:00.000-07:00

�The Wallet Doctor�
A financial newsletter for long-term investors!
Volume 1, Issue 7
Dr. Scott Brown, Ph.D.

WHAT IS THE SEP IRA?

The retirement account I am going to tell you about now is really neat if you work for a small company or own a family business that is home based or �brick and mortar.� A company-sponsored IRA can even be opened by the smallest of businesses known the �sole proprietor�. Under the SEP-IRA plan, an employer (your boss or any business entity you or your family owns that is recognized be the IRS) can contribute to an employee's existing IRA.

The penalties for early withdrawal remain the same as with the traditional IRA. Contributions are deductible. If you are a small business owner, IRS Publication 590, Individual Retirement Arrangements, explains the contribution limits for these plans and your accountant can advise you. You can set one up with an online stock brokerage to invest in the stock market to legally avoid taxes on some of the profits of your business. Self-employed taxpayers have a different standard for contribution limits than employees of a firm that offer a SEP-IRA plan.

SEP-IRAs are flexible for employers. An employer does not have to contribute every year. The contributions are tax-deductible.

-Scott

If you wish to cancel your subscription, simply click once on the link below.
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WalletDoctorBlog, here is the telephone and pin for tonight�s call at 9:30�

2005-09-07T18:07:00.000-07:00

Some people are having difficulty signing up for tonight�s call so here is the information to get you in directly. There are only fifty lines reserved so try to call in at exactly 9:30 PM eastern (in about 25 minutes).

On Wednesday, Sept. 7th, 2005 at 9:30 PM Eastern
Time, Dr. Brown is doing a special telecall interviewing
Lan Turner, you'll... " Learn The Basics of
The Stock, Options, and Futures Markets"

You can't afford to miss this hour!

VERY IMPORTANT: Print This Page RIGHT NOW!

**********************************************************
To join the Teleseminar call 1-641-297-5400 (St. Marys, IA)

Your PIN code is 87882

Date: Wednesday, Sept. 7th, 2005
Time: 9:00 PM Eastern

**********************************************************

Sincerely,

Scott Brown, Ph.D.

The Delano Max Wealth Institute, LLC
5190 Neil Road, Suite 430
Reno, NV 89502
1-530-336-6616

WalletDoctorBlog, join us tonight...

2005-09-07T09:08:00.000-07:00

Hi WalletDoctorBlog,

You could be laying the foundation to take control...

� of your investing by joining in our fr-ee teleseminars.

Many of us have a strong desire to invest so that we
can achieve the lifestyle we deserve. But how many
of us turn this hard earned desire into the correct actions
that lead to lasting wealth? Next Wednesday I am
pleased to announce that Mr. Lan Turner and I will
be having an open discussion of how to get
started building wealth as a self directed investor.

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

Lan Turner is known as the "Trading / Investor
Training Expert" and he will show you how
to learn to invest without risking your money.
Mr. Turner has created a company
recognized worldwide as the creator of the finest
charting and simulation environment in futures.
A quietly kept secret is that the company is now
turning its attention to building a new software
platform for the stock market.

Lan has�

- Interviewed and befriended many of the top investors
and traders in the field today.

- Developed the best �paper trading� platform in the
world for futures.

- Years of investing and trading experience
with his own money on the line and
developed and managed the top futures bulletin
and online magazine in the futures industry
�Pitnews.com�.

>Would you like listen to the wisdom of this man
who is has helped thousands of people get
started managing their own investments?
>Would you like to ask him questions yourself?
Then mark your calendar and meet
with Lan and myself on Wednesday, Sept. 7th, 2005
at 9:30 PM Eastern Time.

Go here to sign up right now:

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

Step on to the Path Today and take Control
of your Financial Future!

Sincerely,

Scott Brown, Ph.D.

P.S. On Wednesday night at 9:30 EST, you'll meet the
person behind the most powerful trading simulator in
the world, go here:

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

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

The Delano Max Wealth Institute, LLC
5190 Neil Road, Suite 430
Reno, NV 89502
530-336-6616

WalletDoctorBlog, join us tomorrow...

2005-09-06T08:14:00.000-07:00

Hi WalletDoctorBlog,

You could be laying the foundation to take control...

� of your investing by joining in our fr-ee teleseminars.

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

Lan has�

- Interviewed and befriended many of the top investors
and traders in the field today.

Go here to sign up right now:

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

Step on to the Path Today and take Control
of your Financial Future!

Sincerely,

Scott Brown, Ph.D.

P.S. On Wednesday night at 9:30 EST, you'll meet the
person behind the most powerful trading simulator in
the world, go here:

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

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

The Delano Max Wealth Institute, LLC
5190 Neil Road, Suite 430
Reno, NV 89502
530-336-6616

WalletDoctorBlog, join us next Wednesday...

2005-09-01T07:57:00.000-07:00

Hi WalletDoctorBlog,

You could be laying the foundation to take control...

� of your investing by joining in our fr-ee teleseminars.

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

Lan has�

- Interviewed and befriended many of the top investors
and traders in the field today.

Go here to sign up right now:

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

Step on to the Path Today and take Control
of your Financial Future!

Sincerely,

Scott Brown, Ph.D.

P.S. On Wednesday night at 9:30 EST, you'll meet the
person behind the most powerful trading simulator in
the world, go here:

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

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

The Delano Max Wealth Institute, LLC
5190 Neil Road, Suite 430
Reno, NV 89502
530-336-6616

DISCOVER THE AMAZING NEW COURSE THAT HAS THE STOCK MARKET INSIDERS STEAMING!

2005-08-26T12:42:00.000-07:00

RENO, NEVADA, August 29, 2005 – The Delano Max Wealth Institute, LLC (DMWI) today announced the release of their home study stock investment course entitled “The Blue-Collar Base Bonanza…What the insiders [definitely] don’t want you to know about the stock market!” The course is a condensation of over a hundred years of stock investment knowledge authored by Dr. Scott Brown Ph.D.

Dr. Brown emphasizes that the course is not a “get rich quick system” and in fact students are taught to avoid fraud schemes offered up by con artists. This innovative, new stock trading methodology as presented in the course shows people how to identify stocks ready for a large rise in 3 to 10 years. As such, Dr. Brown recommends the course for people with stable finances who are looking to retire wealthy after exercising patience while pursuing happiness in their loving day-to-day relationships. He specifically teaches students of the course to enjoy life while building long term wealth.

The Delano Max Wealth Institute is dedicated to providing individuals with courses and seminars that teach prudent savings and investing habits. Dr. Brown is also a finance professor at the University of Puerto Rico at Rio Piedras. He is recognized as an expert at low risk, high return investing and takes great pride in helping others retire safely. The company website is www.BonanzaBase.com the company ezine is www.WalletDoctor.com and Dr. Brown can be reached at 1-530-336-6616 by e-mail at scott@bonanzabase.com.

If you'd like more information about this topic, or to schedule an interview with Dr. Brown, please call Shandy Brown at 530-336-6616 or e-mail Shandy at shandy@bonanzabase.com

WILL MILLIONS OF AMERICANS GET CRUSHED IN THE CRASHING REAL ESTATE MARKET?

2005-08-26T12:40:00.000-07:00

RENO, NEVADA, August 26, 2005 – Soaring home prices combined with low interest rates and liberal bank lending policies have created a triple witching in the real estate market. The impact is clear in the statistics for interest only mortgages in recent home purchases nationwide. The national average is now nearly 20 percent for these loans, up almost 20-fold in the past five years alone. In the most expensive markets, they are even more common. In California, for instance, home purchases with interest only loans exceeded 50% this year. According to Dr. Scott Brown, of the Delano Max Wealth Institute in Reno, Nevada, home buyers are extended far beyond their means to pay their mortgages should interest rates rise or a family financial crisis occur such as a job loss.

“I think that people need to wake up to the reality that the real estate market is not a safe place for their retirement savings,” Dr. Brown said “people should be looking to the stock market as a place for future financial gains that could offer them retirement security.” He is quick to point to the famous Yale economist Dr. Bob Shiller’s book “Irrational Exuberance” that extols the virtue of patiently waiting for markets to bottom out to buy. Dr. Shiller further admonishes impatient, inexperienced investors who enter markets when they have been driven up to unsustainable heights as the stock markets were at the end of the 1990s and the real estate market is currently in 2005.

The Delano Max Wealth Institute is dedicated to providing individuals with courses and seminars that teach prudent savings and investing habits. Dr. Brown is also a finance professor at the University of Puerto Rico at Rio Piedras. He is recognized as an expert at low risk, high return investing and takes great pride in helping others retire safely. The company website is www.BonanzaBase.com the company ezine is www.WalletDoctor.com and Dr. Brown can be reached at 1-530-336-6616 by e-mail at scott@bonanzabase.com.

If you'd like more information about this topic, or to schedule an interview with Dr. Brown, please call Shandy Brown at 530-336-6616 or e-mail Shandy at shandy@bonanzabase.com

WalletDoctorBlog, How Strong Is Your Retirement Plan?

2005-08-26T08:03:00.000-07:00

Hi WalletDoctorBlog,

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.

Go Here Right Now To Get The Details:

http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=8&c=208

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:

Let me be your wealth trainer!

Scott Brown, Ph.D.

PS: Supply is limited and over 700 people are
getting this same email, right now.

Go Here Right Now Don't Miss Out:

http://walletdoctor.com/cgi-bin/arp3/arp3-t.pl?l=8&c=208

PPS: Here's what another person thought about
this audio CD:

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=208

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

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:
http://walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

WalletDoctorBlog, powerful stock investing strategies...

2005-08-22T11:16:00.000-07:00

Hello WalletDoctorBlog:

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=208&p=7490

WHAT IS THE ROTH IRA?

2005-08-21T22:03:00.000-07:00

�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.

If you wish to cancel your subscription, simply click once on the link below.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

BULLETPROOF STOCK INVESTING FREE CD OFFER�

2005-08-20T12:27:00.000-07:00

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�

WHAT IS THE ROTH IRA?

2005-08-13T22:02:00.000-07:00

�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 wish to cancel your subscription, simply click once on the link below.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

THANKS TO ALL WHO LISTENED IN ON THE FREE WALLET DOCTOR EZINE TELESEMINAR LAST THURSDAY!

2005-08-13T14:52:00.000-07:00

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�

10 MINUTES UNTIL THE FREE WALLET DOCTOR EZINE TELESEMINAR STARTS!

2005-08-11T17:48:00.000-07:00

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.

1 HOUR UNTIL THE FREE WALLET DOCTOR EZINE TELESEMINAR STARTS!

2005-08-11T16:58:00.000-07:00

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

YOU ARE INVITED TO JOIN TOMORROW�S FREE WALLET DOCTOR EZINE TELESEMINAR!

2005-08-10T06:06:00.000-07:00

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.

YOU ARE INVITED TO JOIN THE FREE WALLET DOCTOR EZINE TELESEMINAR!

2005-08-07T05:45:00.000-07:00

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/

Please join us on the call,

Dr. Scott Brown, Ph.D.

If you wish to cancel your subscription, simply click once on the link below.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

WHAT IS A TRADITIONAL IRA?

2005-08-05T22:01:00.000-07:00

�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.

If you wish to cancel your subscription, simply click once on the link below.
walletdoctor.com/cgi-bin/arp3/arp3-un.pl?c=208&p=7490

THE WALLET DOCTOR FREE TELESEMINAR #1!

2005-08-03T08:40:00.000-07:00

HEY EVERYONE I HAVE GREAT NEWS!!! I will be holding the first Wallet Doctor Free Teleseminar (if you have unlimmitted long distance). Many people have nationwide long distance and as such the toll number makes the seminar free. If not then I recommend using a calling card. THERE ARE NO HIDDEN FEES!

The phone number is through Eagle Teleconferencing in Illinois so it is just like if you were calling a freind in Illinois. I will be e-mailing you a toll phone number with a pin as well as the date and time. You will be able to call in and discuss investment topics with me and the Delano Max Wealth Institute Team! We invite you to add any other potential questions here in this blog. Just click on the add comments button at the bottom of this message and add any specific things concerning wealth creation and management.

Potential Content:
What is stock investing?
Who should or should not invest in stocks through a Roth IRA or individually?
What are the structural underpinnings of my course?
Have people been successful in the past using similar methodology?
What can a BBB student expect?
How hard is the course to study?
What are some of the hurdles to becoming a great stock investor?
What are the characteristics of wealthy people?

PLEASE ADD ANY ADDITIONAL TOPICS YOU WOULD LIKE TO DISCUSS BY CLICKING ON THE PENCIL BELOW!

LIVE LINKS TO MY ARTICLES:

2005-08-02T04:35:00.000-07:00

The Truth About Real Estate Investing - Is It Right For You?

A Secret Home Based Business: Long Term Stock Investing!

Bad News - Why The Financial News Media Can Cost You Money!

Discover the Foundation of Retiring Wealthy - The IRA!

The 401(K): How The Insider Has Stolen Your Retirement!

What is a Traditional IRA?

Discover the Retirement Breakthrough the Federal Government Created for You - The Roth IRA!

Almost Anyone Can Open A Roth IRA!

A Safe Port For Mutual Funds But Not You!

Caveat Emptor: You May Owe Taxes Despite 401(K) Losses!

Mutual Funds: The Modern Den of Thieves!

What the SEC Really Thinks About Mutual Funds!

Invisible Mutual Fund Fees Erode Your Returns!

Missleading Fund Names Wreak Havoc On Investor Returns

Mutual Fund Returns May Not Be As They Seem!

Mutual Fund Selection Made Simple By Indexing!

Super-charge Your Dream of Retiring Rich with the Roth 401K!

The Past Does Not Equal The Future: Mutual Fund Returns!

Discover A Safe and Easy Way Your Home Based Business can Protect Your Dreams of Retiring Wealthy!

How To Retire Wealthy From A Home Based Business!

Safely Save for Your Child's University Studies Using An Education IRA!

The Path Less Traded - the Spiritual Road to Financial Abundance!

Financial Abundance And Peace Of Mind Are One!

To Compete or Co-create? - That is the Question!

MY ARTICLES THAT HAVE BEEN RECENTLY FEATURED AT SEARCHWARP.COM:

2005-07-30T09:09:00.000-07:00

http://searchwarp.com/swa12434.htm
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MY ARTICLES THAT HAVE BEEN RECENTLY FEATURED AT ARTICLE-DIRECTORY.NET:

2005-07-30T08:16:00.000-07:00

HOW TO RETIRE WEALTHY FROM A HOME BASED BUSINESS!
http://www.article-directory.net/Article/1582.html
SAFELY PROTECT YOUR HOME BASED DREAM OF RETIRING WEALTHY!
http://www.article-directory.net/Article/1583.html
MUTUAL FUND PERFORMANCE AND WHY THERE ARE NO DICE COUNTERS IN VEGAS!
http://www.article-directory.net/Article/1651.html
THE BIG SECRET THE MUTUAL FUNDS DON’T WANT YOU TO KNOW…INDEXING!
http://www.article-directory.net/Article/1650.html
A SAFE HARBOR FOR MUTUAL FUND PIRATES!
http://www.article-directory.net/Article/1649.html
MUTUAL FUNDS SNARE THE PUBLIC IN A HIDDEN TAX TRAP!
http://www.article-directory.net/Article/1648.html
SECRET FEES MAKE MUTUAL FUNDS BILLIONS AT YOUR EXPENSE!
http://www.article-directory.net/Article/1647.html
A REMAKE OF THE STING; THE MODERN DAY MUTUAL FUND!
http://www.article-directory.net/Article/1646.html
WHAT THE SEC REALLY THINKS ABOUT MUTUAL FUNDS!
http://www.article-directory.net/Article/1645.html
THE 401(K): HOW THE INSIDER HAS STOLEN YOUR RETIREMENT!
http://www.article-directory.net/Article/1644.html
MUTUAL FUNDS: THE MODERN DEN OF THEIVES!
http://www.article-directory.net/Article/1643.html
MUTUAL FUNDS: THE MODERN DEN OF THEIVES!
http://www.article-directory.net/Article/1642.html
A SECRET WAY A NEWBORN BABY CAN OPEN A ROTH IRA!
http://www.article-directory.net/Article/1579.html
DISCOVER THE RETIREMENT BREAKTHROUGH …THE ROTH IRA!
http://www.article-directory.net/Article/1578.html
BAD NEWS - WHY THE FINANCIAL NEWS MEDIA CAN COST YOU MONEY!
http://www.article-directory.net/Article/1522.html
SAFELY SAVE FOR YOUR CHILD’S UNIVERSITY STUDIES USING AN EDUCATION IRA!
http://www.article-directory.net/Article/1581.htmlSAFELY FINANCE YOUR CHILD’S UNIVERSITY STUDIES USING AN EDUCATION IRA!
http://www.article-directory.net/Article/1580.html
THE PATH LESS TRADED…THE SPIRITUAL ROAD TO FINANCIAL ABUNDANCE!
http://www.article-directory.net/Article/1540.html
A SECRET HOME BASED BUSINESS…LONG TERM STOCK INVESTING!
http://www.article-directory.net/Article/1541.html
THE TRUTH ABOUT REAL ESTATE INVESTING…IS IT RIGHT FOR YOU?
http://www.article-directory.net/Article/1576.html
DON’T LET MUTUAL FUND NAMES FOOL YOU OUT OF YOUR RETIREMENT!
http://www.article-directory.net/Article/1653.html
FINANCIAL ABUNDANCE AND PEACE OF MIND ARE ONE!
http://www.article-directory.net/Article/1641.html
DISCOVER THE FOUNDATION OF RETIRING WEALTHY…THE IRA!
http://www.article-directory.net/Article/1577.html

MY ARTICLES THAT HAVE BEEN RECENTLY FEATURED AT ARTICLE-EMPORIUM.COM:

2005-07-30T07:32:00.000-07:00

http://www.article-emporium.com/finance-14774.htm
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