Ghana, Africa Investors Trade Visit ... (December 2012)

This is
G&G Associates
Tax & Financial Consulting Services
e-Newsletter

Ghana, Africa Investors Trade Visit
(December 2012)

Click on link to view in pdf format: http://db.tt/cErhvAfY

Ęte Sĕn (What's Up) G&G Readers,

Back in September, I sent you a report on the Gold & Oil Coast Ghana, Africa. (Click here to read full report).

Well … I just got back last week as I reported, investment capital and opportunities within the country are continuing to loom. So, much we have investors literally from around the world going back to Africa with me next month to see about investing 2011 fastest growing country in the world.

As always, I try and bring real-time investment opportunities do my G&G readers and without a doubt … double digit returns for my G&G Investment Society (GGIS) subscribers.

If you would like to participate in next month's investors trade trip to Ghana Africa next month, click on the link below for the details and contact me if you have any questions.

Click here for Ghana Africa's December 2012 Trade Visit briefing:
http://db.tt/o16M3KHh

-------------------------------------------------------------
Internal Sponsorship:
Get out of the dollar NOW!

Since the announcement of QE3 until 2015 by the Fed Chairman this week, the dollar is in free fall against most currencies in the world right now … perfect time to make moves while your dollar has some reasonable value left to it.

And if you get paid in dollars and hold the majority of your assets in U.S. stocks or bonds, your wealth is in significant danger (401K's, TSPs, 403Bs, Mutual funds, etc).

To become a member of the G&G Investment Society (GGIS) newsletter subscription to learn how to take advantage of some of our suggestions so you can protect your wealth and portfolio against a fallen dollar, send an e-mail to GGIS@gngassoc.com and/or visit our website at www.gngassociates.net and click on the "Products & Services" link and we'll get you signed up right away.

DON'T WAIT ANOTHER DAY!
- 1 year subscription - $149
- 2 year subscription - $269
- Lifetime subscription - $699 {50% off tax prep & 25% off consulting services for life}

*** Membership Guarantee *** If you don't make your money back from being a GGIS member by the end of your subscription...we'll refund 100% of your subscription fee back.
That's how confident we are that this will be one of the best financial moves of your life.

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

How You Can Invest in Ghana and Get Double Digit Returns?

Many investors hear "African gold mining" and think … "risk." But Ghana isn't some banana republic, ruled by some despot and his machine-gun toting thugs in Toyota 4x4s. Ghana is a functioning society with laws and a stable government.

Let's open our mind folks and not believe all the shigidy or a new acronym I learned this recently (Sugar Honey Ice Tea) we see on CNN and Fox. This democratic country won its independence from Britain in 1957. Ghana became a republic on July 1, 1960.

Ghana's GDP in 2010 totaled $37.48B, It's economy grew by 6.4% from 8% in 2010 to 14.4% in 2011. Its economy grew by last year mainly on commodity exports like gold, oil, timber, diamonds, aluminum ore, manganese, pineapples, cashews, rubber, and other crops. It trades those goods with Nigeria, China, U.S., Britain, France, and India.

All that to write … this is a mature, developed democratic society. It's much safer for mining investment than places like Bolivia and Peru. That's why I'm not overly concerned with political risk for my investments. However, its location, in Africa, is a bit daunting for some investors... hence, "OUR" opportunity. Let's take those peoples ignorance of Africa as an opportunity for us to make a fortune.


My Trip To The "TRAP"

Last week while in Ghana, I took a trip to the Busch or as the locals call it the "Trap." Basically, I went deep into the woods where a lot of the alluvial gold mining takes place.

First of all, how many financial consultants do you know who would do that? Well, after about a three hour SUV ride on some of the bumpiest roads I've ever been on, we made it to one of the Gold mining sites where Quest Resources, Ltd machines were being used to mine the real yellow stuff we call Gold.

All I can say is that it was truly a wonderful experience and a trip I'll never forget. If you decide to come on our Ghana Trade visit next month, part of the itinerary is to take you out to the "Trap" so you can see the machines at work.

Now … of course while I was there I took plenty of pictures, but most importantly I took videos of the experience. With modern technology these days anything is possible.

What we did was take videos showing investors step-by-step what takes place once the machines get off the boat all the way to actually digging for gold. If you want to see me live in action, please go to the following YouTube link, get some popcorn and enjoy.

Click here for YouTube video Link:
http://www.youtube.com/user/QuestResources01

If link doesn't work, go to YouTube and place "QuestResources01" in the search window.


How to Profit from the
Heavy Duty Leasing & Sales Industry

Quest Resources Ltd. (Quest) is the brainchild of International Businessman and U.S. Attorney Carlton Owens II. Quest was formed in response to the need to expand quality outlets for heavy duty equipment sales and leasing in The Republic of Ghana in 2010. From Carlton's experience in the local mining industry, over time he discovered that there was a special niche in the market for both sales and leasing of this machinery.

Quest is a limited liability company based in The Republic of Ghana, whose core focus is in the sales and rental of heavy-duty equipment to the government, private and commercial business sectors of the country.


Quest Products and Services

Currently, Quest focus is primarily on importing used Caterpillar Excavators because of the overwhelming high demand for this product. However, Quest products in the future will include a broad range of earth moving machines, such as bulldozers, commercial graders, etc. Quest also sees value in providing more specialized equipment that strictly relates to the robust mining sector that is also present in the country.

Most of the equipment purchased by the company comes from The United States, due to the best available pricing and quality of the machines due its excellent maintenance procedures. The pricing on used excavators, for example in the US, has decreased over time due to the downturn in the American economy.

However, demand for the same equipment is ever increasing in Ghana and due to the shortage of equipment presently in the country; prices and services related to heavy-duty equipment are also increasing over time.


Current and Future Locations

Quest currently operates in one main location strategically placed in the Ashanti Region, Kumasi, Ghana to increase its business and profitability due to the fact that it is central to most of the business activity that require its products and services. Kumasi is the second largest city in Ghana and is located in the resource rich Ashanti Region. This region is home to the majority of current small-scale gold mining operations in Ghana, and has a large portion of land reserved for future small-scale operations. Kumasi is also located in close proximity to the Western Region, which has the most land set aside for future small-scale gold mining in Ghana.

Quest will be expanding its offices to Takoradi and Bibiani (Western Region), which is currently experiencing a development boom and a migration of new mining & oil drilling projects, thus a prime location to take advantage of new business.

Some Key Strengths of the Company:

• Experience of management team

• Quality and reliable equipment

• Quality customer service

• Investment in high valued Assets

• Clients Purchasing products pay in Cash …. (No credit)

• Leasing Clients pay for services ….. in advance

• Preventive maintenance is not a common practice in country … thus, the reason why leasing is a preferred option to most gold miners & developers


How to Invest in Quest Resources, Ltd

As mentioned before, the demand for the equipment is very high and in Ghana, the rental industry works on a different pay plan than most people here in the states are use to. You see … in Ghana, whether you are renting a car, apartment, commercial rental space, etc … you must pay in advance.

Yes … in advance !!!

What this means is that you get paid for your product before the services are rendered. The company typically leases their equipment for 8, 10 or 14 day lease terms with full control of the machines. Full control meaning that they provide the (driver, insurance, fuel and actually implement maintenance procedures and concepts to their fleet).

Now … here in the states, the same machine would rent for $200-300 a day, but in Ghana, it will rent for $800-1100 day with an even higher demand as the price of gold continues to increase as the dollar continues to plummet.

For example, if Quest rents out a machine for a 10 day lease at $1000 a day, they will receive an advance payment for the machine of $10,000. You don't have to be a rocket scientist to do the math on this investment. (FYI … average rental days per month are 20-24 days).


Investment Options

Equity or Debt Investment options and Exit Scenarios.

Option #1

Quest will offer two distinct options in taking in an investment. The first option is debt investment. With this option, the investment terms are for a fixed return on investment, and the investor will receive a annual 20% return on investment over for the course of twenty four months, whereby the interest will be paid semiannually and the principal returned at the end of the investment cycle.

Option #2

The second option of doing an equity buy in is also available. Under this structure, the company will issue up to 20% equity share of the company for the exchange of capital investment. Dividends schedule will be determined for future disbursement, but the most likely minimum disbursement will take place at least once a year, but could take place more frequently, depending on growth and performance objectives being met.

If you've been looking to invest out of the $USD, looking to diversify your portfolio and are interested in investing in the fastest growing economy in the world in 2011, here is your chance.

Ghana is projected to grow into a full fletching middle classed economy by the year 2020.

The question is … will you benefit from its growth as well?

Bottom Line (BL): "Investing is much like gambling. But, the difference is that with knowledge in investing you can at least increase your odds of winning."
J. Carter

If you want more information in how to invest in the project or interested in learning how you can invest in the project through your retirement account, give us a call and we'll show you how.

Join "G&G Associates" on Twitter. If you have a smart phone or online twitter account you can sign up to receive tweets from us. This will keep you in the know with current market moving updates, let you know when we have changes to our website, inform you of recent newsletter postings, and it will also be a good medium for improving your tax & financial IQ.

You can find us on Twitter by searching for the handle "GG_Associates."

As always…feel free to pass this information on to anyone you think is interested in increasing their tax & financial IQ.

If you need a one-on-one consultation to learn how to implement these investments or any other on the GGIS portfolio, feel free to contact me to setup an appointment.

If you missed any past G&G newsletters, click on link below for the archive:
http://ezinedirector.com/admin/publisher/archive/public/?fuseaction=a&e=7944575E0843077440

Meda Ase p (Thank You Very Much),

Asar Maa Ra Gray
Tax & Financial Consultant, RFC
G&G Associates
757-251-3757 office
866-361-3872 toll free fax
www.gngassociates.net

Become a Fan of G&G Associates and G&G Travel on Facebook & Twitter.


P.S. If you are looking to Travel and looking for steep discounted travel, visit www.gngassociates.net, click on the "G&G Travel" link and let your travel planning begin. Let us know where you want to go and we'll do our best to find you the best deal your money can buy. Become a Fan of G&G Travel on Facebook.



LEGAL NOTICE: This work is based on what I've learned as a financial researcher and analyst based SEC filings, current events, interviews, corporate press releases and what I've learned as a financial consultant. It may contain errors and you should not base investment decisions solely on what you read here. It's your money and your responsibility. Nothing herein should be considered personalized investment advice.





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[T.G.F.] Scenes from 10-27-2012 Golden Fold Movement

Sent from Yahoo! Mail on Android

---

From: The Golden Fold <thegoldenfold@yahoo.com>;
To: <the_golden_fold_group@yahoogroups.com>;
Subject: [T.G.F.] Scenes from 10-27-2012 Golden Fold Movement
Sent: Sun, Oct 28, 2012 10:38:30 PM

10-27-2012 The Golden Fold's Young Leaders, SAAB Big Brothers, and Omega Bruhs "got our political on" with guests gurus Georgia Allen, former President of the Virginia Beach NAACP, and Patrick Smith of the Norfolk Democrats. The session ended with a physically based critical thinking exercise called "The White Rope" (although we used a blue rope in honor of Hampton University's Homecoming - Go Pirates !). WE BLEED GOLD ! ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ The Golden Fold Mentor Movement serves youth (males and females) aged 11 – 18 by providing seminar based Big-Brother-type activities in Virginia Beach, Virginia. We employ a Bonding-Presentation-Guidance model. Contact: thegoldenfold @ yahoo (dot) com or call 757-401-1240. The Golden Fold is a "Brothers and Others" Community Improvement activity of the Gamma Xi Chapter of Omega Psi Phi and an Social Action project of the Men of S.A.B.B. of Virginia Beach's Tidewater Community College. -- Posted By The Golden Fold to T.G.F. at 10/28/2012 03:38:00 PM __._,_.___ Reply via web post Reply to sender Reply to group Start a New Topic Messages in this topic (1) Recent Activity: Visit Your Group ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~      The Golden Fold Mentor Movement serves youth (males) grades 6th - 12th by providing seminar based Big-Brother-type activities in Virginia Beach, Virginia. We employ a Bonding-Presentation-Guidance model. Contact: thegoldenfold @ yahoo (dot) com or call Brother Kinji Ridley 757-401-1240.      The Golden Fold is a "Brothers and Others" Community Improvement activity of the Gamma Xi Chapter of Omega Psi Phi and an Social Action project of the Men of S.A.B.B. of Virginia Beach's Tidewater Community College, and a Project Uplift activity for our community Big-Brothers.      We meet the 2nd & 4th Saturday Monthly from 10:00 am - 12:00 am at Tidewater Community College's Virginia Beach Campus in room E-121 of the Lynnhaven Building. We are always accepting new participants. Download the application from the blog-website http://www.thegoldenfold.blogspot.com and bring the application to one of our sessions. Switch to: Text-Only, Daily Digest • Unsubscribe • Terms of Use • Send us Feedback . __,_._,___

VA Disability Claims Briefing

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G&G Associates Tax & Financial Consulting
e-Newsletter

VA Disability Claims Briefing

Hotep (Peace & Blessings) G&G Readers,

If you are a member about to separate or former member of the uniformed services of the United States, you surely might want to attend this FREE VA Disability Claim Benefits briefing. So many Veterans separate from the military with disabilities that go unclaimed or are not claimed appropriately causing them to not get the appropriate disability rating they deserve.

If you want some expert advice on how to appropriately file your claims if you are about to separate, or need assistance on how appeal a decision you might have received? Place this date on your calendar to attend a briefing on November 17, 2012 at 1100 at G&G Associate's office in Hampton Roads, VA.

We will have Larry Stokes from LSA Veteran benefit consulting, LLC from Washington, DC in attendance to provide the briefing:

Larry is the president and owner of LSA Veteran benefit consulting, LLC. He is a VA Office of General Counsel Accredited Agent and disability consultant whom holds dual accreditation as both a claims agent and a veteran service officer. Larry is a 20 year retiree from the US Navy as a Chief Hospital Corpsman. He holds both a BS and MS degree from George Washington University and Touro International University respectively.

His most recent achievement was a National Surrogate for President Obama during the past election campaign, and advisor on the Veterans for Obama Policy Team.

Larry has been on several local DC TV and radio stations as a panelist on VA claims and benefits. Larry also provides services as a subject matter expert to several law firms and government agencies regarding veteran's benefits and the Rating claims process.

The LSA Veteran benefit consulting firm staff consists of former VA rating specialists and decision review officers with over 30 years of combined VA experience. The firm provides consultation, advisement and absolute clarity on VA benefits and entitlements.
Specifically they provide services in medical records review for the identification of chronic conditions. They also review previous VA rating, BVA decisions, and provide representation in all stages of the appeals process. In addition they provide information on other local and state entitlements specifically for disabled veterans and their families.

LSA has offices in the Washington DC and metro area, with a satellite office in Tampa/St Petersburg Fl. New Orleans, LA, Texarkana, TX, Las Vegas, NV. Larry provides services in all 50 States and overseas.

LSA has won over 1 million dollars in retroactive payments for veterans and beneficiaries.

If you'd like to attend the FREE briefing, to see if the knowledge might be of benefit to you, please send an RSVP with the following info below to taxes@gngassoc.com so that we can make sure we have enough space for those who want attend and so we can send you an invite and reminder about the meeting.

Send RSVP to:
taxes@gngassoc.com
Name:
Attendees (#):
E-mail Address:
Cell #:
Home #:

Meeting address:
G&G Associates Office
Regus Building
4411 Kilgore Ave, 3rd Floor
Hampton, VA 23666

Feel free to pass this info along to anyone you think who might be able to benefit from the brief.

Also, see the attached article that was in last month's Hampton Roads Messenger in regards to VA Benefit claims. Also, see the attached link for VA Disability pay benefits and tax breaks based on your disability rating. Some good to know information for sure.

Hampton Roads messenger article:
http://db.tt/DrOVO1D1

VA Benefits and Military Pay Tax Guide:
http://db.tt/5oqtu7NI

Ankh Uja Snb (Life, Health, Strength),

Asar Maa Ra Gray
Tax & Financial Consultant, RFC
G&G Associates
757-251-3757 office
866-361-3872 toll free fax
www.gngassociates.net

G&G Associates is on Facebook & Twitter, join our fan page.



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Small Business Workshop_Hampton Roads_ Oct 31, 2012

Small Business Workshop
Oct 31, 2012
Chesapeake, VA Conference Center

Click on Link for flyer:
http://db.tt/nJgNI6sD


~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ These posts provide information that may aid financial improvement. The information on this site is provided as opinion and should not be construed as professional legal advice, nor professional financial advice, nor professional tax advice. The end reader is advised to seek professional assistance to address one's particular situation. The posts on this site may be third party information and may not be copyrightwritten by the poster of the information.

Economic Empowerment - Michelle Singletary

Salud !
It's probably well known that I'm a big fan of Michelle Singletary. I normally refer many of my financial freedom clients to read her books or find her videos to provide them with a knowledge base that aids me when I assist them with investments, debt reduction, or insurances. Here is a gem ! I found a great video of her speaking at an Economic Empowerment summit. Also below is her website. Enjoy and be empowered ! If you know of anyone who is drowning in their debts, I always have time for your referrals ! Salud !Seko Varner
757-248-3820
positivevibesfinancial at gmail dot com

www.michellesingletary.com

Michelle Singletary, "Big Mama used to say it's not how much money you make that matters, but how you make do with what you have."

http://www.youtube.com/watch?v=RqjJZY7913g
Michelle Singletary, nationally syndicated columnist at The Washington Post, gave a speech at an economic empowerment meeting on February, 27th 2010. If you love Susie Ormond, Dave Ramsey, or Clark Howard..... You will love this sista'. Be improved ! This is the full presentation. Michelle Singletary is a nationally syndicated columnist for The Washington Post. Her column, "The Color of Money" is an award-winning column, which is now carried in more than 100 newspapers across the country including the Atlanta Journal Constitution. "The Power to Prosper, 21 Days to Finanical Freedom book is on sale now; obtain your copy! 

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Seko Benjamin Varner is from Positive Vibes Financial, a World Financial Group team of financial services agents. They specialize in debt reduction, investments, and insurances. Seko is in high demand as a special events DJ and owns an event marketing service. Seko has diverse background in business, counseling and education. He has been real estate agent, a school counselor, a special education teacher, and an Intensive In-Home Counselor. Seko is active with numerous Youth Mentorship programs and has a background in radio and television. Visit www.HappilyEverAfter.Be or call 757-248-3820 for more details.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
These posts provide information that may aid financial improvement. The information on this site is provided as opinion and should not be construed as professional legal advice, nor professional financial advice, nor professional tax advice. The end reader is advised to seek professional assistance to address one's particular situation. The posts on this site may be third party information and may not be copyrightwritten by the poster of the information.

Crowd-Funding 10-11-12 - Money For Your Virginian Business!

Second Announcement! The Crowd-Funding Phenomenon (Money for your small business) Greetings! Greetings and Blessings to you and your business! Just in case you missed our first announcement we wanted to make sure that you saw a special workshop happening THIS WEEK!

If you need money for your business, the Calvary Professional Association is excited to announce a special business workshop that will reveal a new possible source of funding for your business. Please Note: Our normal CPA meetings are the first Thursday of the month. However, to accommodate our guest speaker and to offer this innovative and needed workshop, this month our special workshop will be on the second Thursday of the month, on Oct. 11th, 2012 at 6:30pm. This Business Workshop will be taking place in the Executive Building. The workshop topic will be Crowd-Funding, a new source of possible funding for small businesses. This topic will be new to many entrepreneurs and business owners.

Crowd-funding is a relatively new phenomenon. The presentation will be conducted by a special guest. Along with Crowd-Funding, the discussion will focus on the recently enacted JOBS Act, and how the Internet is becoming the new Wall Street. Attendees will learn what this all means for small, disadvantaged businesses (SDBs) seeking to raise capital and what SDBs can do NOW to get ready and take advantage of this fundraising medium. If you need money for your business, you do NOT want to miss this workshop. We are inviting all Business Owners, Professionals and Entrepreneurs: This workshop is free and open to the public. Since we are having a special guest instructor, we are asking for and would greatly appreciate your assistance in helping us get the word out about this business workshop. This event promises to reveal several ways to get funding for your business.

Please forward this announcement to business friends and colleagues, who can benefit from having additional funding for their business. Share this event invite on your Facebook page and Tweet it to all those you know who may be interested in coming. For our planning purposes, please R.S.V.P. by calling me (757-403-0530) or simply email me, mrll@aol.com and let me know if you are coming and if there will be anyone coming with you. It's okay if you want to bring business colleague or partners with you. Again, this workshop is free and open to all. Just let me know how many are coming. WORKSHOP TOPIC:

Crowd-Funding - Money For Your Business! Date: Thursday, October 11, 2012 Time: Starts at 6:30 pm Location: Calvary Revival Church - Executive Building 5833 Poplar Hall Drive Norfolk, VA 23502 Join us for this unique workshop and for a time to network with other business owners, professionals and entrepreneurs.

Equipping Business People to Be A Blessing
It's All In The House,
Jeffrey Taylor (mrll@aol.com)
Director, Calvary Professional Association
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
These posts provide information that may aid financial improvement. The information on this site is provided as opinion and should not be construed as professional legal advice, nor professional financial advice, nor professional tax advice. The end reader is advised to seek professional assistance to address one's particular situation. The posts on this site may be third party information and may not be copyrightwritten by the poster of the information.

Mortgage Rates at 2.75%? Yes! Refinance RIGHT NOW

This is
G&G Associates
Tax & Financial Consulting Services
e-Newsletter

Mortgage Rates at 2.75%?
Yes! Refinance RIGHT NOW

Akwaaba (Welcome) G&G Readers,

"Asar, I just refinanced a guy at 2.75% on a 15-year mortgage," a mortgage-broker friend told me over the weekend. I knew we were at record-low mortgage rates… But 2.75%? Really?

Sign me up! (Seriously. I if a had a mortgage I would refinance at these record low rates.)

This … literally is free money… Seriously… This is money you have to take if you have a mortgage or are on the cusp of buying a home.

-------------------------------------------------------------
Internal Sponsorship:
Get out of the dollar NOW!

Since the announcement of QE3 until 2015 by the Fed Chairman this week, the dollar is in free fall against most currencies in the world right now … perfect time to make moves while your dollar has some reasonable value left to it.

And if you get paid in dollars and hold the majority of your assets in U.S. stocks or bonds, your wealth is in significant danger (401K's, TSPs, 403Bs, Mutual funds, etc).

To become a member of the G&G Investment Society (GGIS) newsletter subscription to learn how to take advantage of some of our suggestions so you can protect your wealth and portfolio against a fallen dollar, send an e-mail to GGIS@gngassoc.com and/or visit our website at www.gngassociates.net and click on the "Products & Services" link and we'll get you signed up right away.

DON'T WAIT ANOTHER DAY!

- 1 year subscription - $149
- 2 year subscription - $269
- Lifetime subscription - $699 {50% off tax prep & 25% off consulting services for life}

*** Membership Guarantee *** If you don't make your money back from being a GGIS member by the end of your subscription...we'll refund 100% of your subscription fee back. That's how confident we are that this will be one of the best financial moves of your life.

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

Creative Financing in Full Swing

You see, the government is manipulating the mortgage market – in your favor. It won't last forever. Sure, rates can go lower… But, if I were a betting man, I'd lock in these rates right now why they are this low.

I say it's "free money" because, over the last 25 years, inflation has averaged just under 3%. Meanwhile, banks are refinancing mortgages for just under 3%. So, adjusted for inflation, I consider this "free money."

This is crazy. At the very least, banks need to earn more than the rate of inflation to turn a profit. But the thing is, the banks aren't keeping these loans…

Specifically, the Federal Reserve is trying to stimulate the economy. (This is a key part of the Bernanke Asset Bubble I've been telling you about.)

The other week, the Fed decided its preferred way of stimulating the economy is buying mortgages – and therefore, pushing mortgage rates down to record lows. For the last few weeks, the government has spent $20 billion a week buying mortgages. To me, the government buying mortgages is a bit ridiculous. But, you'd be crazy not to take advantage of it.

To give you an idea of just how low 2.75% is today, consider that four years ago, 15-year mortgage rates were over 6%. This ultra-low 2.75% rate isn't just reserved for people with perfect credit – it turns out the national average is 2.73%.
{Here's the proof: http://research.stlouisfed.org/fred2/series/MORTGAGE15US?cid=114}

So, don't assume you won't qualify. You should find out and make sure. "Remember, you are guaranteed to get 100% of what you don't ask for."

Right now the banks are not trying to prevent you from getting a mortgage. Heck, the banks want to sell you a mortgage, because they can now easily turn around and sell it to the government.

Requirements to get a loan are pretty much the same as it has been in the past, and the down payment requirements are still very low, too. "For a couple percent down, you can get an FHA loan." FHA stands for the Federal Housing Administration. It has programs that allow people who wouldn't otherwise qualify to buy a home with a super-low down payment.

"For 5% down, you can get a 'traditional' mortgage." (By a "traditional" mortgage, that means a mortgage, under $417,000, with mortgage insurance.)

"But what about people who are underwater on their loans, you might ask?" Banks are even lending to them, as long as a person has verifiable monthly income that reasonably exceeds their debt service."

Here's how I look at it… Borrowing money in U.S. dollars and investing it in a real asset is exactly where I would want to be in this world of make believe paper currencies. In a sense, you're "shorting" the dollar and "going long" U.S. real estate.

At these artificially low rates – below the historical rate of inflation – you should consider a new mortgage if you can afford it. Whether it's buying a new house or refinancing your existing one.

Mortgage rates are at record-low levels and locking in a rate below 3% you are hard pressed to go wrong there … UNLESS … you buy more house than you need or can reasonably afford based on common sense debt to income analysis.


G&G Associates
is on Twitter

Join "G&G Associates" on Twitter. If you have a smart phone or online twitter account you can sign up to receive tweets from us. This will keep you in the know with current market moving updates, let you know when we have changes to our website, inform you of recent newsletter postings, and it will also be a good medium for improving your tax & financial IQ.

You can find us on Twitter by searching for the handle "GG_Associates."

As always…feel free to pass this information on to anyone you think is interested in increasing their tax & financial IQ.

If you need a one-on-one consultation to learn how to implement these investments or any other tax or financial strategy mentioned in these newsletters, feel free to contact my office to setup an appointment.

If you missed any past G&G newsletters, click on link below for the archive:
http://ezinedirector.com/admin/publisher/archive/public/?fuseaction=a&e=7944575E0843077440

Meda Ase p (Thank You Very Much),

Asar Maa Ra Gray
Tax & Financial Consultant, RFC
G&G Associates
757-251-3757 office
866-361-3872 toll free fax
www.gngassociates.net

Become a Fan of G&G Associates and G&G Travel on Facebook & Twitter.


P.S. If you are looking to Travel and looking for steep discounted travel, visit www.gngassociates.net, click on the "G&G Travel" link and let your travel planning begin. Let us know where you want to go and we'll do our best to find you the best deal your money can buy. Become a Fan of G&G Travel on Facebook.



LEGAL NOTICE: This work is based on what I've learned as a financial researcher and analyst based SEC filings, current events, interviews, corporate press releases and what I've learned as a financial consultant. It may contain errors and you should not base investment decisions solely on what you read here. It's your money and your responsibility. Nothing herein should be considered personalized investment advice.




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Amended Taxes for ... Disabled Veterans

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G&G Associates Tax & Financial Consulting
e-Newsletter

Amended Taxes for Service Connected Disabled Veterans


Hotep (Peace & Blessings) G&G Readers,

If you are a member or former member of the uniformed services of the United States (as defined in 37 U.S.C. 101(3)) who has made an election under Subchapter I of Chapter 73 of Title 10 of the U.S. Code (also referred to in this section as the Retired Serviceman's Family Protection Plan (10 U.S.C.1431)) to receive a reduced amount of retired or retainer pay, gross income shall include the amount of any reduction made in his retired or retainer pay then you may be able to take advantage of this tax deduction. The Regulation of the tax code I'm referencing is 26 Code of Federal Regulation (CFR) Section 1.122-1 and Public Law 95-749 § 301.


Ok… so what does all this mean? Let me break it down to you in pilot terms or better yet give it to you from the 20,000 ft. view. If you retired from the military with 20 years or greater time in service "AND" you are a disabled veteran rated 90 percent or less and/or had a disability rating change since getting out of the service. Then you possibly may be eligible to use this regulation to amend your taxes with the IRS and get back a sizeable refund. This tax break would apply to your Federal and State tax returns.

Now, this rule has been in place for years but if you don't claim what's rightfully yours, then sometimes what you don't know can actually hurt you or at least your pockets.

So Far ... G&G Associates has helped disabled veterans retrieve over $400,000 in tax refunds for this mostly unknown regulation. But, it's only available to those who claim what's rightfully theirs.

Unfortunately, the IRS only lets you go back 3 years to amend your taxes. So, it's possible that if you keep delaying to make your claim you could possibly miss out on obtaining a refund for your 2009 taxes if you retired prior to then and are eligible to utilize the deduction.

If you'd like to have your taxes amended (Federal and State) and possibly receive a refund, please get in contact with me ASAP and I'll tell you what I need to see if you are eligible to take advantage of this deduction.

Click on the link below or visit our website to review 26 CFR 1-122.1 and Public Law 95-749 § 301 so you can hopefully gain a better understanding of this benefit and see what information is needed to determine your eligibility.

Click here to read our information packet:
http://db.tt/cYZ43vzK

Click here to see our TV commercial:
http://www.youtube.com/my_videos_edit?video_id=9Xc8QWTwmhA

Please pass this information along to other service connected disabled veterans so that they can be made aware of this great tax benefit.

*** Recommendations available upon request.

-------------------------------------------------
Internal Sponsorship:

G&G Tax & Financial Consulting Services

G & G Associates is a Tax & Financial Consulting company focused on easing its client's minds on tax & compliance matters. With the ever changing and burdensome tax code, overwhelming and confusing federal and state tax forms and increasing IRS scrutiny over most tax items, taxpayers need to have at least this one part of their lives made easier, less stressful and more profitable.

*** G&G Tax Preparation Services "Price Guarantee"; We Guarantee to beat any other "tax professional's" price.

Also, all new clients will get a "FREE" 1 hour Financial Success Strategy Consultation appointment a ($200) value.

Sign up for a G&G Investment Society (GGIS) Lifetime Subscription and you'll get a 50% discount "FOR LIFE" on getting your Taxes Prepared through G&G Associates.

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

If you need a one-on-one consultation to evaluate your financial situation, contact me to setup an appointment and get 2011 started off on a good note.

As always…feel free to pass this info on to anyone who may be interested in increasing their financial IQ.

Thanks for reading,

Ankh Uja Snb (Life, Health, Strength),

Asar Maa Ra Gray
Tax & Financial Consultant, RFC
G&G Associates
757-251-3757 office
866-361-3872 toll free fax
www.gngassociates.net

G&G Associates is on Facebook & Twitter, join our fan page.

*** [Price Guarantee does not apply to individuals, corporations or partnerships filing refunds pertaining to Revenue Ruling 2009-20/2009-09, 'Ponzi Schemes' or VA Amendment CFR 26 § 1.122-1 and Public Law 95-749 § 301 ]


P.S If you are looking to Travel and looking for steep discounted travel, visit www.gngassociates.net, click on the "G&G Travel" link and let your travel planning begin. Let us know where you want to go and we'll do our best to find you the best deal your money can buy. Become a Fan of G&G Travel on Facebook.



LEGAL NOTICE: This work is based on SEC filings, current events, interviews, corporate press releases and what I've learned as a financial consultant. Nothing herein should be considered personalized investment advice. It may contain errors and you shouldn't make any investment decision based solely on what you read here. It's your money and your responsibility.


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FOREX...The World’s Richest Market

This is
G&G Associates
Tax & Financial Consulting Services
e-Newsletter

FOREX (FX)
The World's Richest Market

Akwaaba (Welcome) G&G Readers,

Imagine a single bet - 1/6th the size of the entire U.S. economy - a bet that's being wagered by thousands of people in dozens of countries. Creeping through the financial system, it secretly funds assets around the globe: from housing to stocks from bonds to gold. This bet knows no boundaries. And its backers - from American hedge funds to Japanese housewives from private equity firms to big investment banks - have piled on in record numbers.

They've created a bubble 30 times bigger than the credit crunch that saw the Dow drop by more than 30% over the past year - and when it pops, unprepared investors will see their net worth sawed in half. But here's the good news - it's a double-edged sword.

A select group of investors will watch their holdings soar, thanks to Ben Bernanke and the Bank of Japan. In a moment, I'll show you exactly why this international secret has been kept hush-hush – and how you can capitalize on it.

But first, let me tell you about the single most disturbing development that's wreaking havoc on the global financial system today. In fact, it's one of the major reasons behind the subprime mortgage meltdown back in 2008, though few know it. And the worst is yet to come.

Click Here To Read Full Article:
http://db.tt/fqbpPEL4

-------------------------------------------------------------
Internal Sponsorship:
Get out of the dollar NOW!

Since the announcement of QE3 until 2015 by the Fed Chairman this week, the dollar is in free fall against most currencies in the world right now … perfect time to make moves while your dollar has some reasonable value left to it.

And if you get paid in dollars and hold the majority of your assets in U.S. stocks or bonds, your wealth is in significant danger (401K's, TSPs, 403Bs, Mutual funds, etc).

To become a member of the G&G Investment Society (GGIS) newsletter subscription to learn how to take advantage of some of our suggestions so you can protect your wealth and portfolio against a fallen dollar, send an e-mail to GGIS@gngassoc.com and/or visit our website at www.gngassociates.net and click on the "Products & Services" link and we'll get you signed up right away.

DON'T WAIT ANOTHER DAY!

- 1 year subscription - $149
- 2 year subscription - $269
- Lifetime subscription - $699 {50% off tax prep & 25% off consulting services for life}

*** Membership Guarantee *** If you don't make your money back from being a GGIS member by the end of your subscription...we'll refund 100% of your subscription fee back.

That's how confident we are that this will be one of the best financial moves of your life.

Sign Up Today!
-------------------------------------------------------------

Join "G&G Associates" on Twitter. If you have a smart phone or online twitter account you can sign up to receive tweets from us. This will keep you in the know with current market moving updates, let you know when we have changes to our website, inform you of recent newsletter postings, and it will also be a good medium for improving your tax & financial IQ.

You can find us on Twitter by searching for the handle "GG_Associates."

As always…feel free to pass this information on to anyone you think is interested in increasing their tax & financial IQ.

If you need a one-on-one consultation to learn how to implement these investments or any other on the GGIS portfolio, feel free to contact me to setup an appointment.

If you missed any past G&G newsletters, click on link below for the archive:
http://ezinedirector.com/admin/publisher/archive/public/?fuseaction=a&e=7944575E0843077440

Meda Ase p (Thank You Very Much),

Asar Maa Ra Gray
Tax & Financial Consultant, RFC
G&G Associates
757-251-3757 office
866-361-3872 toll free fax
www.gngassociates.net

Become a Fan of G&G Associates and G&G Travel on Facebook & Twitter.


P.S. If you are looking to Travel and looking for steep discounted travel, visit www.gngassociates.net, click on the "G&G Travel" link and let your travel planning begin. Let us know where you want to go and we'll do our best to find you the best deal your money can buy. Become a Fan of G&G Travel on Facebook.



LEGAL NOTICE: This work is based on what I've learned as a financial researcher and analyst based SEC filings, current events, interviews, corporate press releases and what I've learned as a financial consultant. It may contain errors and you should not base investment decisions solely on what you read here. It's your money and your responsibility. Nothing herein should be considered personalized investment advice.





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FREE E-Book: How to become a Government Contractor (kiss your day job goodbye)

From: B. Moore of AlumniRoundup.com <aruupdates@alumniroundup.com> FREE E-Book: How to become a Government Contractor and kiss your day job goodbye To: Black Improvement Economics Date: Tuesday, September 25, 2012, 7:40 AM Black Improvement Economics, Have you ever wanted to be your own business owner?  Or did you ever want to find out how to make money selling to the Federal Government? How about learning how to make more money and say goodbye to your day job?  If you answered yes to any of these questions, then I need you to do me a big favor.   My good friend and government contracting technology guru Andre is writing a book on how to make real money being a Federal Government Contractor. " The federal government now spends more than $500 billion a year -- or roughly 14% of the federal budget -- on private-sector contractors."  CNNMoney Anyway, this brother gets paid running his company doing Government Contracting.   You should see some of the checks he gets! Definitely providing for the family.  He wants to give back to folks who want to better themselves by writing a book on how to be a Government Contractor and make gobs of cash.  Just so you know, he is a born teacher and knows his stuff.  Well for a limited time he has decided to give a free copy of his book to folks in our membership on one condition.  You have to visit his website and enter in the "One Most Important question you always wanted to know about making money selling to Uncle Sam." He is validating his work. I told you he is thorough! Here is what you need to do to claim your free book: Follow this link http://alumniads.com/direct/link.php?M=161913&N=231&L=338&F=T Enter your name Enter your best e-mail address Enter your question Click submit. That will get you a free copy of his ebook when it hits the market in October. To your success, -Be Moore What are you waiting for?  Go claim your Free book on making money selling to the Government now! http://alumniads.com/direct/link.php?M=161913&N=231&L=338&F=T ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Peace & prosperity, DJ Seko & Wifey Rhonda VArner Fun ! Family ! Financial FREEdom ! Cell/Office: 757-248-3820 Fax: 866-400-0201 http://www.happilyeverafter.be

Silver Is Up 25% Since August ... Now What?

This is
G&G Associates
Tax & Financial Consulting Services
e-Newsletter

Silver Is Up 25% Since August
Now What?

Akwaaba (Welcome) G&G Readers,
In early August, silver investors hit their "puke point."

The metal had fallen nearly 30% over the previous five months. It was nearly as hated as it had ever been…

That's what got me interested. Based on history, buying silver when investors give up, like they did in early August, is a great idea. The last four times investors gave up, silver rose an average 20% in three months.

Knowing this, in our August edition of the G&G Investment Society (GGIS) newsletter, I recommended to our subscribers to jump in and purchase silver because it was ready to explode. And explode it did.

The trade worked even better this time than before. If you stepped in and bought in August, you're up 25% in less than seven weeks. And investors are excited about silver again. So what should you do now?

To read the full report, click on the link below:
http://db.tt/q6J2Z12Z

Join "G&G Associates" on Twitter. If you have a smart phone or online twitter account you can sign up to receive tweets from us. This will keep you in the know with current market moving updates, let you know when we have changes to our website, inform you of recent newsletter postings, and it will also be a good medium for improving your tax & financial IQ.

You can find us on Twitter by searching for the handle "GG_Associates."

As always…feel free to pass this information on to anyone you think is interested in increasing their tax & financial IQ.

If you need a one-on-one consultation to learn how to implement these investments or any other on the GGIS portfolio, feel free to contact me to setup an appointment.

If you missed any past G&G newsletters, click on link below for the archive:
http://ezinedirector.com/admin/publisher/archive/public/?fuseaction=a&e=7944575E0843077440

Meda Ase p (Thank You Very Much),

Asar Maa Ra Gray
Tax & Financial Consultant, RFC
G&G Associates
757-251-3757 office
866-361-3872 toll free fax
www.gngassociates.net

Become a Fan of G&G Associates and G&G Travel on Facebook & Twitter.


P.S. If you are looking to Travel and looking for steep discounted travel, visit www.gngassociates.net, click on the "G&G Travel" link and let your travel planning begin. Let us know where you want to go and we'll do our best to find you the best deal your money can buy. Become a Fan of G&G Travel on Facebook.







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The Gold & Now Oil Coast ... Double Digit Returns

This is
G&G Associates
Tax & Financial Consulting Services
e-Newsletter

The Gold & Now Oil Coast … Ghana, Africa
How to Invest & Get Double Digit Returns

Akwaaba (Welcome) G&G Readers,

They call it the "Golden Stool."

Legend has it that this gold-covered bench descended from the heavens to land in the lap of the first king. Wars have been fought over it. No one is allowed to sit on it... New kings are designated by lowering and raising them over the stool without touching it. Few people have even seen the original. Only the king and a few advisors know where it is kept. Instead, the leaders use replicas in public.

The most sacred relic of the ancient Ashanti Empire, the 18" x 24" x 12" golden seat symbolizes the extraordinary wealth and power gold mines bestowed on this West African tribe.

In the 15th century, Scavengers searching for a sea route to India stumbled across this small stretch of land in Africa... For nearly 500 years, up until the mid-20th century, they fought over it as one of the world's great "trophy" assets.

The Portuguese got there first... From 1430 to 1480, Portuguese explorers felt their way south around West Africa. Storms lashed the ships along the treacherous coastline. Simple trips inland for fresh water and food proved fatal. After one strong storm, a group of sailors observed something remarkable... women and children of the village combing the beaches not for shells, but for grains of gold washed out of the rivers.

Confronted with a river that literally ran with gold... the Portuguese traders took the next logical step: They settled in to get rich. They chose an area between the Ankobra and Volta Rivers. In 1482, they built Fort Sao Jorge da Mina de Ouro (which means Saint George of the Gold Mine). The Portuguese named their castle after a mine because the area held gold ... the richest mines in Africa at the time.

The arrival of these Scavengers brought centuries of war over this land and its gold. Wherever the scavengers went throughout history war surely will follow. The British, the Dutch, the Portuguese, the Danish, and the Ashanti were among the groups who battled for control of the land... which grew to be known as the "Gold Coast." It took the Europeans a long, long time to subjugate the Ashanti Empire. Naturally, the Ashanti were partial to keeping their land instead of abandoning it to raiders. The winner in the battle for the Gold Coast, like many of Africa's richest resources, was the British Empire. Have you ever wondered how a country with no natural resources ever became so wealthy? I'll discuss that at a later date…

The British used the area around the fort as a base to export gold, iron ore, diamonds, and agricultural products. Despite centuries of production, the Gold Coast's mines are far from exhausted. To this day, this area, now known as Ghana, Africa is one of the greatest gold stories on the planet. This tiny African nation ranks in the top 10 of global gold producers.

To Read the Full Report Click on the link below:
http://db.tt/htfcfADg

Meda Ase p (Thank You Very Much),

Asar Maa Ra Gray
Tax & Financial Consultant, RFC
G&G Associates
757-251-3757 office
866-361-3872 toll free fax
www.gngassociates.net

Become a Fan of G&G Associates and G&G Travel on Facebook & Twitter.


P.S. If you are looking to Travel and looking for steep discounted travel, visit www.gngassociates.net, click on the "G&G Travel" link and let your travel planning begin. Let us know where you want to go and we'll do our best to find you the best deal your money can buy. Become a Fan of G&G Travel on Facebook.



LEGAL NOTICE: This work is based on what I've learned as a financial researcher and analyst based SEC filings, current events, interviews, corporate press releases and what I've learned as a financial consultant. It may contain errors and you should not base investment decisions solely on what you read here. It's your money and your responsibility. Nothing herein should be considered personalized investment advice.





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Tax Deadline Approaching – Less than 30 Days to Go!

This is
G&G Associates Tax & Financial Consulting
e-Newsletter
Tax Tip of the Week

Tax Deadline Approaching October 15, 2012

Imhotep (Wisdom to You) G&G Readers,

Guess what time it is? Almost tax deadline time! If you still haven't filed your taxes the deadline this year is October 15, 2012.

If you filed an extension, remember the six month extension was for filing the return only. Any tax that was due should have been paid by April 17, 2012 to avoid any penalty and interest. The longer you continue to wait the more the penalty and interest will cost you.

For INSTRUCTIONS on how to get your taxes prepared visit our website, click on the "TAXES" tab and then download the "Tax Preparation Worksheet," on the left side of the page.

-------------------------------------------------
Internal Sponsorship

G&G Tax & Financial Consulting Services

G & G Associates is a Tax & Financial Consulting company focused on easing its client's minds on tax & financial compliance matters. With the ever changing and burdensome tax code, overwhelming and confusing federal and state tax forms and increasing IRS scrutiny over most tax items, taxpayers need to have at least this one part of their lives made easier, less stressful and more profitable.

We can service clients anywhere in the world and we look forward to assisting you in getting your tax return prepared for the 2011 and beyond tax season. (Referrals available upon request)

If you are a returning client you'll get a 25% discount off your tax preparation fees. If you are a new client you'll get $40 off our normal fees. Active duty or retired military get a 15% discount. Senior citizens (above 65) get a 20% discount.

*** PRICE GUARANTEE: we guarantee to beat "ANY" other tax professional's price. We take pride in not nickeling and diming our customers with unnecessary charges & fees.

Do you have a friend, co-worker or family member who might be interested in G&G Associates Tax Preparation Services? If so, then you can earn $40 for everyone you refer that files their tax returns with us. Just refer that person, and when we complete their tax return we will send you a check for $40. To make the deal even sweeter, after (4) four referrals you will get your taxes done for free.

We are looking forward to doing business with you this tax season.

For more information about G&G Associates, visit our website at www.gngnassociates.net, and click on the "TAXES" tab.

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

Visit our website for more information and free online webinar classes to help you make sure you are audit proofing your records, or contact us today to set your appointment if you need a "TAX" OR "FINANCIAL" one-on-one consultation.

One of the benefits of being a client with G&G Associates is that you'll get a free 30 min pre-tax preparation session to make sure you are gathering your documents appropriately before you submit your documents for tax preparation.

Also, all new clients get a 50% discount off the 1 – year annual subscription to G&G Investment Society (GGIS) paid newsletter service a ($74.50) value.

Also, all new clients will get a "FREE" 1 hour Financial Success Strategy Consultation appointment a ($200) value.

Contact us today to schedule an appointment!!!

Until the next time!

Ankh Uja Snb (Life, Strength, & Health),
Asar Maa Ra Gray
Tax & Financial Consultant, RFC
G&G Associates
757-251-3757 office
866-361-3872 toll free fax
www.gngassociates.net

G&G Associates & G&G Travel are on Facebook & Twitter, join our fan page.

**You must be a G&G Associates tax client to receive the $40 referral fee.

*** [Price Guarantee does not apply to individuals, corporations or partnerships filing refunds pertaining to Revenue Ruling 2009-20/2009-09, 'Ponzi Schemes' or VA Amendment]
P.S If you are looking to Travel and looking for steep discounted travel, visit www.gngassociates.net, click on the "G&G Travel" link and let your travel planning begin. Let us know where you want to go and we'll do our best to find you the best deal your money can buy.



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The Gold Bull Market Is Officially Back

This is
G&G Associates
Tax & Financial Consulting Services
e-Newsletter

The Gold Bull Market Is Officially Back

Karibu (Welcome) G&G Readers,

The bull market in gold is 100% back.

Wait, how do we know? What does a bull market in gold look like? And even better… how much money can we make?

Let me answer those questions for you today…Click link below for full article:

http://db.tt/UWSmZD2f

-------------------------------------------------------------
Internal Sponsorship:
Get out of the dollar NOW!

The dollar is in the midst of a 'sucker rally'… perfect time to make moves while your accounts are in this fake rally mode. (401K's, TSPs, 403Bs, Mutual funds, etc).

And if you get paid in dollars and hold the majority of your assets in U.S. stocks or bonds, your wealth is in significant danger (401K's, TSPs, 403Bs, Mutual funds, etc).

To become a member of the G&G Investment Society (GGIS) newsletter subscription to learn how to take advantage of some of our suggestions so you can protect your wealth and portfolio against a fallen dollar, send an e-mail to GGIS@gngassoc.com and/or visit our website at www.gngassociates.net and click on the "Products & Services" link and we'll get you signed up right away.

DON'T WAIT ANOTHER DAY!

- 1 year subscription - $149
- 2 year subscription - $269
- Lifetime subscription - $699 {50% off tax prep & 25% off consulting services for life}

*** Membership Guarantee *** If you don't make your money back from being a GGIS member by the end of your subscription...we'll refund 100% of your subscription fee back. That's how confident we are that this will be one of the best financial moves of your life.

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

So … Sign up today!!!

Join "G&G Associates" on Twitter. If you have a smart phone or online twitter account you can sign up to receive tweets from us. This will keep you in the know with current market moving updates, let you know when we have changes to our website, inform you of recent newsletter postings, and it will also be a good medium for improving your tax & financial IQ.

You can find us on Twitter by searching for the handle "GG_Associates."

As always…feel free to pass this information on to anyone you think is interested in increasing their tax & financial IQ.

If you need a one-on-one consultation to learn how to implement these investments or any other on the GGIS portfolio, feel free to contact me to setup an appointment.

If you missed any past G&G newsletters, click on link below for the archive:
http://ezinedirector.com/admin/publisher/archive/public/?fuseaction=a&e=7944575E0843077440

Meda Ase p (Thank You Very Much),

Asar Maa Ra Gray
Tax & Financial Consultant, RFC
G&G Associates
757-251-3757 office
866-361-3872 toll free fax
www.gngassociates.net

Become a Fan of G&G Associates and G&G Travel on Facebook & Twitter.


P.S. If you are looking to Travel and looking for steep discounted travel, visit www.gngassociates.net, click on the "G&G Travel" link and let your travel planning begin. Let us know where you want to go and we'll do our best to find you the best deal your money can buy. Become a Fan of G&G Travel on Facebook.



LEGAL NOTICE: This work is based on what I've learned as a financial researcher and analyst based SEC filings, current events, interviews, corporate press releases and what I've learned as a financial consultant. It may contain errors and you should not base investment decisions solely on what you read here. It's your money and your responsibility. Nothing herein should be considered personalized investment advice.




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Making Your Retirement Assets Last

I recently read this article written by Anna Prior from the Wall Street Journal. This article was very timely as I've recently worked with three mature clients who didn't plan for retirement and will face some very tight days ahead. In all of these recent cases I unfortunately had to advise them to leave their retirement plans alone for 5 to seven years to be able to earn the money needed to for their golden years. Here is article in it's entirety. The link to the original article is:

http://finance.yahoo.com/news/making-retirement-assets-last-040100480.html

Read it. Then contact me, or your trusted financial planner to make sure that you are prepared !

Seko VArner
~~~~~~~~~~~~~~~~~~~~~~~~

Making Retirement Assets Last

By Anna Prior | The Wall Street Journal – Fri, Sep 7, 2012

It's a retiree's nightmare: outliving the assets in a retirement portfolio.
Between historically low interest rates dragging on fixed-income yields and uncertainties about taxes, not to mention the threat of future inflation and volatile markets that send skittish investors seeking shelter, retirees who are living longer are finding it challenging to keep their portfolios up to speed.
Recent calculations from the Employee Benefit Research Institute show that roughly 44% of those born between 1948 and 1978—baby boomers and Generation X—won't have adequate retirement income, and that is assuming interest rates go back up in 2014. But the current environment is weighing even on those heading into retirement with what seems like a tidy sum.
Retirees need an efficient plan of attack to squeeze all the juice out of their portfolios, ensuring they have sufficient assets for their golden years. Here are some strategies:

Retirees should map out a budget for necessities—include everything from housing to food, transportation, health expenses and utility bills—and set aside a chunk of a portfolio for these costs.
Many planners suggest putting funds to cover three to five years' worth of expenses into safe and liquid vehicles, so the retiree has cash on hand, even if the market drops.
"That way you don't have to liquidate in a down environment," says Marty Leclerc, portfolio manager for Barrack Yard Advisors in Bryn Mawr, Pa.
Even though money-market funds are returning basically nothing, funds earmarked to be used within three years should go into these instruments, says Michael Gibney, a financial planner in Riverdale, N.J. "There is no reason to put money that will be used within a short time period at risk," he says.
For five-year time frames, look to add in a short-term bond fund or certificate of deposit to gain a little more yield, he says.

With many people living well into their 90s, retirees need to think carefully about how to protect themselves from running out of money in their later years.
(Longevity calculators that factor in your family history and current health can be found at websites such as gosset.wharton.upenn.edu/mortality and livingto100.com.)
Some financial advisers say retirees should consider long-term-care insurance as a hedge against the future cost of nursing-home care, which has the potential to decimate even hefty nest eggs.
With 70% of people over age 65 running into some type of health problem that could necessitate some form of long-term care, it's a big expense that many retirees initially forget about in planning, says Robert Stammers, director of investor education for the nonprofit CFA Institute.

Critics say long-term-care policies can be pricey and may have limits on the benefits they pay out, so retirees need to make sure they understand what they are getting before buying. The average annual cost of such a policy for a 57-year-old single individual is about $1,900, while a couple of the same age would pay about $2,500, according to the American Association for Long-Term Care Insurance, an industry trade group. Annuities are another long-term planning tool that can provide a steady stream of income in later life, and a relatively new type of annuity known as longevity insurance is gaining in popularity.

Longevity insurance is similar to an immediate annuity in that it allows holders to take a lump sum and convert it into a lifelong income stream. It is different in that it requires policyholders to pick a date in the future to start getting that income, typically at age 85, says Christopher Jones, chief investment officer at investment adviser Financial Engines Inc.

This guarantees a retiree won't outlive a portfolio, some advisers say, plus delayed payments are typically larger than those from annuities that allow policyholders to start collecting money immediately.
"It takes a problem that has this uncertain length and turns it into a certain horizon," says Mr. Jones.
Advisers warn against falling victim to traditional wisdom: Portfolio protection through conservative investing in retirement could actually do more harm than good.

With bonds not generating enough income, "the math is scary," says Mr. Leclerc. "Retirees need a lot more money than they ever thought they would to produce simple income."
Retirees looking to generate more yield may be tempted to buy long-term bond funds, but advisers warn against locking in an investment now that could be disastrous when interest rates eventually start to rise. When rates rise, prices fall, so your principal would take a hit.

"So-called safe assets are paradoxically not safe right now," says Mr. Leclerc.
Some advisers suggest intermediate-term bond funds as a way to help mitigate interest-rate risk, while still getting more yield than what's available from short-term bond funds.
See additional numbers from Financial Engines on possible retirement spending amounts, based on an initial $100,000 nest egg. 

Keep the duration at about five years, says Mr. Gibney, and look for low expense ratios and a well-diversified portfolio to keep default risk low.
As a category, intermediate bond funds returned an average 5.5% in the first eight months of this year, according to researcher Morningstar Inc.
Although inflation hasn't strayed far from the historical average of 3.2% annually in recent years, advisers says retirees can't ignore this "silent killer."

"When clients come in, it isn't the first five to 10 years that projections look bad, it's the second half of their retirement where they get beat up," says Frank Fantozzi, a Cleveland-based financial adviser.
To protect themselves, retirees should add to their portfolios multiple types of assets that can keep up with or even beat rising costs. Still, many advisers maintain that the best way to combat inflation in a well-diversified portfolio is by investing in equities.

"It's the only asset class that will give them returns greater than inflation," Mr. Gibney says.
Real-estate investment trusts, or REITs, can be an inflation hedge, but advisers say retirees should be cautious about which parts of the real-estate market they invest in.
"Focus on the most stable, high-quality corporate tenants," says Tim Lee, managing director of Monument Wealth Management in Alexandria, Va.

Market volatility can be nerve-racking for retirees, prompting some to flee to ultraconservative investments.
To iron out some of the big ups and downs—and therefore quell some of the urges to swing too far to "safety"—some advisers recommend constructing a diverse portfolio that includes a slice of alternative investments, including nontraded REITs, which are similar to traditional REITs but don't trade on exchanges, managed futures, which are futures positions entered into by professional money managers on behalf of investors, and long/short funds.

"Alternatives can help control risk because they don't tie or correlate well with fixed income and equities," says Mr. Fantozzi, who suggests putting 5% to 20% of a portfolio into alternative investments, depending on market conditions.

Long/short funds, for example, employ trading strategies similar to those used by hedge funds, simultaneously betting for and against a set of stocks. In a sideways market, these funds can be useful, says Mr. Fantozzi.
It's a particularly difficult time for tax planning, given the uncertainty surrounding next year's tax rates. Still, there are things retirees can do now to keep portfolio withdrawals as tax-efficient as possible.
The required minimum distributions that most retirees have to start taking at age 70½ are based partly on the plan's account balance as of the preceding December. To reduce that total balance—and potentially the required minimum distributions later on—some retirees might want to start taking withdrawals in their 60s.
This is especially true for early retirees who are currently in lower income brackets because of a recent job loss or forced retirement, says Michael Eisenberg, a certified public accountant in Los Angeles.
Still, it's not a simple decision. Each year, retirees need to weigh the consequences of pulling funds from one account versus another.

In a taxable account, net long-term capital gains are taxed at a rate lower than the ordinary income-tax rate for withdrawals from tax-deferred retirement plans.

Be aware that taking money out of a retirement account or selling securities at a sizable taxable gain—rather than pulling cash from a certificate of deposit, money-market fund, savings or checking account—could result in higher taxes on Social Security benefits if it bumps income above a certain threshold.
"When you reach a certain level of income, then some of your Social Security becomes taxable," says Mr. Eisenberg.
Ms. Prior is a reporter for Dow Jones Newswires in New York. Email her at anna.prior@dowjones.com.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Let's be improved ! 

Seko Varner is from Positive Vibes Financial, a World Financial Group team of financial services agents. This team began in 2010 and is coached by WFG's Team Unstoppable and Team Tenacious. Seko also has ownership in and works with Positive Vibes DJs and the event marketing service Happily Ever After.Be. Seko has a background in counseling and special education. He was employed for 14 years with Portsmouth City Public Schools (Virginia) as a counselor and as a teacher. Seko has also worked as an Intensive In-Home Counselor for over 10 years. In addition to his business ventures Seko is active with numerous Youth Mentorship programs and has a background in radio and television media. Visit html://www.HappilyEverAfter.Be for more details. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ These posts provide information that may aid financial improvement. The information on this site is provided as opinion and should not be construed as professional legal advice, nor professional financial advice, nor professional tax advice. The end reader is advised to seek professional assistance to address one's particular situation. The posts on this site may be third party information and may not be copyrightwritten by the poster of the information.

No college degree required for these $100,000 jobs

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No college degree required for these $100,000 jobs

Ete Sen (What's Up) G&G Readers,

Very interested article here. College isn't for everyone, and the pay can be better. Click on the link below that was in USA today a couple weeks ago.

http://www.usatoday.com/money/economy/employment/story/2012-09-02/cnbc-getting-jobs-with-no-college-degree/57377102/1

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Meda Ase p (Thank You Very Much),

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Tax & Financial Consultant, RFC
G&G Associates
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LEGAL NOTICE: This work is based on what I've learned as a financial researcher and analyst based SEC filings, current events, interviews, corporate press releases and what I've learned as a financial consultant. It may contain errors and you should not base investment decisions solely on what you read here. It's your money and your responsibility. Nothing herein should be considered personalized investment advice.





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Amended Taxes for ... Disabled Veterans

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Amended Taxes for Service Connected Disabled Veterans


Hotep (Peace & Blessings) G&G Readers,

If you are a member or former member of the uniformed services of the United States (as defined in 37 U.S.C. 101(3)) who has made an election under Subchapter I of Chapter 73 of Title 10 of the U.S. Code (also referred to in this section as the Retired Serviceman's Family Protection Plan (10 U.S.C.1431)) to receive a reduced amount of retired or retainer pay, gross income shall include the amount of any reduction made in his retired or retainer pay then you may be able to take advantage of this tax deduction. The Regulation of the tax code I'm referencing is 26 Code of Federal Regulation (CFR) Section 1.122-1 and Public Law 95-749 § 301.


Ok… so what does all this mean? Let me break it down to you in pilot terms or better yet give it to you from the 20,000 ft. view. If you retired from the military with 20 years or greater time in service "AND" you are a disabled veteran rated 90 percent or less and/or had a disability rating change since getting out of the service. Then you possibly may be eligible to use this regulation to amend your taxes with the IRS and get back a sizeable refund. This tax break would apply to your Federal and State tax returns.

Now, this rule has been in place for years but if you don't claim what's rightfully yours, then sometimes what you don't know can actually hurt you or at least your pockets.

So Far ... G&G Associates has helped disabled veterans retrieve over $400,000 in tax refunds for this mostly unknown regulation. But, it's only available to those who claim what's rightfully theirs.

Unfortunately, the IRS only lets you go back 3 years to amend your taxes. So, it's possible that if you keep delaying to make your claim you could possibly miss out on obtaining a refund for your 2009 taxes if you retired prior to then and are eligible to utilize the deduction.

If you'd like to have your taxes amended (Federal and State) and possibly receive a refund, please get in contact with me ASAP and I'll tell you what I need to see if you are eligible to take advantage of this deduction.

Click on the link below or visit our website to review 26 CFR 1-122.1 and Public Law 95-749 § 301 so you can hopefully gain a better understanding of this benefit and see what information is needed to determine your eligibility.

http://db.tt/cYZ43vzK

Please pass this information along to other service connected disabled veterans so that they can be made aware of this great tax benefit.

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As always…feel free to pass this info on to anyone who may be interested in increasing their financial IQ.

Thanks for reading,

Ankh Uja Snb (Life, Health, Strength),

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*** [Price Guarantee does not apply to individuals, corporations or partnerships filing refunds pertaining to Revenue Ruling 2009-20/2009-09, 'Ponzi Schemes' or VA Amendment CFR 26 § 1.122-1 and Public Law 95-749 § 301 ]


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LEGAL NOTICE: This work is based on SEC filings, current events, interviews, corporate press releases and what I've learned as a financial consultant. Nothing herein should be considered personalized investment advice. It may contain errors and you shouldn't make any investment decision based solely on what you read here. It's your money and your responsibility.


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