Last updated: 11/2008

Life, Free Of Your Financial Worries!

Written in clear, simple English with fun, easy-to-follow guidelines that will empower you to manage your personal finances smarter and more efficiently, the well researched facts found in The Financial IQ Guide are guaranteed to put your financial situation in order no matter what shape it's in now!

Dear Friend,
Congratulations! The fact that you are at this website means that you want to make a change in your life for the better & I commend you for it!

Hello, my name is Joey Beard and by trade I am a licensed life insurance & fixed annuities agent for a Fortune 500 company. As a financial professional, I witness the monetary struggles that millions of people face in this country on a daily basis and for years it has troubled me.

My clients, just like you, are all honest, law-abiding, hard working "survivors" who just have never learned how to practice good personal finance habits. My clients know that taking care of the money they've worked so hard to earn is important, but they just don't know how to "get-the-ball-rolling".

And as we all know, if you do NOT get your finances all sorted out and managed well, you will have serious problems taking care of major life events such as:

*Paying for your children's education
*Buying a house
*Having enough money to save for your retirement
*Becoming financially secured
*Gaining financial freedom and wealth
*Protecting your family members, loved ones, and dependents
*Saving enough money for emergency situations

So I have dedicated myself to promoting personal finance education to all of the survivors out there! The Financial IQ Guide is a culmination of all of the principles that I promote! It is also a perfect starting point for anyone who is tired of living "hand-to-mouth" and is ready to DO something about it!

A note before reading any further:
This is NOT a guide about "how-to-get-rich-quick"! As a financial professional I advocate financial responsibility. While I don't have anything against earning riches quickly, I do believe you must have a solid "mental foundation" established first, so that when you DO start to accumulate those riches you are well-prepared to turn them into WEALTH! (More details on this inside!)

Presenting...
The Financial IQ Guide

Discover How You Can Tap Into Your Unconscious Financial Quotient Within The 40+ Pages Of This Guide And Escape Financial Disaster Now!
Discover what you need to be aware of about finance before making your personal and financial changes.

Discover what money REALLY is (and no, it is not the definition found in your pocket dictionary), and how knowing what money really is can start helping you to understand your financial challenges better.

Find out two general ways people expect to make their money and how you can make your choice better.

Evaluate your time and money choices by studying the people around you who are already doing them!

Learn the other areas of holistic development (besides IQ) that are responsible for bridging your financial gap to financial freedom!

Find out the top 10 reasons why most of us meet financial disaster!

Discover the 17 'C's required on your part in order to change your financial situation for the better!

5 important things you need to know about Cash Flow!

Find out the single-most important entity you MUST invest in order to improve your finances for the better! (Hint: Not real estate or businesses!)

Quick, easy-to-do-and-understand tips you can put into practice as early as RIGHT NOW that can drastically help improve your finance management!

And much, much more!

Now, the time has come for you to...

Invest In YOURSELF!
For a LIMITED TIME, you can get The Financial IQ Guide for just $24.95!
(A savings of over 50% off of the suggested retail price of $49.95!)
And by this, you don't have to go back to school to take accounting classes just to improve and manage your personal finances, 5th grade math will do! In fact, most so-called professionals in the high ranks dispense horrible financial advice!(Sounds hard to believe? I discuss more on this in my guide, too, by the way.) This guide shows you how you can set your financial record straight on the right track - 100% FREE of bad advice (and without a financial calculator)!
For only $24.95, you get to discover all of the above-mentioned, and most importantly, get your finances back into good shape - so you never have to worry about where your money disappears to again...ever!
Also, with your purchase you will recieve this FREE BONUS!

Cash Flow Excel Work Sheet Pro

This work sheet is available to you in Microsoft Excel format. With this work sheet, you can easily keep records of your daily and monthly income and expenses and, most importantly, keep track of your financial status and the direction of your money!
Since the work sheet is fully automated and auto-calculated, you only have to key in your daily figures on your income and expenses!

In addition, your purchase also gets you FREE access to this SPECIAL BONUS!

Exclusive Affiliate Membership

That's right! Make money by simply referring people to this website! As a member of my affiliate program you'll earn a great commission for every sale that YOUR referrals generate! (How does 60% sound?!)

Earn great cash + helping others, definitely = "WIN-WIN"!

The Financial IQ Guide combined with the Cash Flow Excel Worksheet Pro and the Exclusive Affiliate Membership form a POWERFUL system that will improve your financial life very quickly and "catapult" you towards your ultimate goal of FINANCIAL FREEDOM!

Order Your Copy Now!
No matter what time of day or night it is, it doesn't matter because the delivery process is automated & INSTANT! You will get your Financial IQ Guide as soon as you make your purchase by clicking the button below!
So, order now - the sooner you get your hands on my Financial IQ Guide, the sooner you can start taking control of your finances and start living a happier, money-worry-free life!

$24.95
(Limited Time Offer)

Sincerely,

Joey Beard
Personal Finance Advocate

P.S. Finally, you can now get your hands on sound financial strategies and insights on improving your financial situation VERY quickly for almost nothing! Plus you get a great BONUS (worth the price of the program by ITSELF) that is FREE!
P.P.S. The guide is arranged in three parts - from creating an awareness within you about your financial situation and surroundings to setting your financial goals to taking effective ACTION! (And by the way, you can