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Isn't life great when people treat you right? Really, don't you love going back for even more helpful information?
Are You Ready to Have More
Money, More Time and Less Stress?
Dear Reader,
In a moment, I have a special offer that I want to make to you. But first, let’s be honest. Are you ready to have more money in your pocket? More time on your hands? And less stress in you life?
If you answered ‘YES’ to all those questions, I’d like to share with you a summary of the vital information contained in “Cut 401(k) Plan Expenses So That You Keep More of Your Money” Book 1.
Now, I have a question for you. Looking back at Cost Cutting Ideas 1-4, did you find any ideas you can use? I hope so. Book 1 is chock full of proven ideas that you can apply, today, right now, in only minutes--not hours or days.
But that’s not all…I love a bargain, don’t you?
That’s why I wrote two more books with simple-to-understand and easy-to-implement ideas. I simplified the process of cutting costs and investing for you. Each proven idea builds on a previous idea.
It makes sense to cut costs sooner rather than later, right? Yes, of course!
Remember, in Tom Cruise’s movie Jerry Maguire, that famous line, “Help me help you!” Well, it’s time to allow the magic of compound interest to help you financially!
Just think about it. If you don’t cut your plan’s cost today, while it’s fresh on your mind, then tomorrow and the next day your retirement money will go into the pockets of your plan’s vendors. Why would you want that to happen with YOUR money?
I’ve proven these Cost Cutting Ideas can and will work and I’ll give you, free of charge, Chapter 1 from “Cut 401(k) Plan Expenses So That You Keep More of Your Money” Book 1. You noticed that I gave you the headings for several other chapters and the summary, too. That is simply my way of saying “Thank you” for taking the time to learn how to cut your plan’s cost and improve its investment performance.
Improving your 401(k) plan skills means you are part of the solution to high cost 401(k) plans, not part of the _ _ _ _ _ _ _.
The truth is this. Many employers and employees unwittingly enable vendors to sell 401(k) plans and investments that cost more than they should. Stop it!
Remember, a Special Offer is waiting for you...so please keep reading.
Life is a journey. There are many roads that you can take to your destination. Some are fun and profitable; some are not.
Watch this: The shortest distance between points, A and B, is a straight line, right? Guess what? Books 1, 2, and 3 in the “Cut 401(k) Plan Expenses So That You Keep More of Your Money” series show you a straight line to more money; more time; and less stress. Easy!
If you make novice mistakes, you are on a path that is not a straight line to building your wealth.
You will build wealth by saving your money, cutting unnecessary expenses, getting a market return (not a below market return), and by holding a diversified, core, mix of investments that at least match the market’s performance--long term. See how this works?
Always be prudent with your money, not reckless. For instance, if you try to beat the market, and you have never beat it before, long term, you are being reckless with your money. If you hire an expert who does not have a long term track record of picking investments that beat a core mix of index funds, you are being reckless.
Instead, be smart with your money. Do only what is proven to work, every time it is tried. The word “proven” means that it cannot fail--not even once.
Always analyze the idea based on the facts. For example, never guess—never try to predict the future performance of a stock, bond, or mutual fund, because its past performance is not an indicator of its future performance. Sometimes people do make a lucky guess on a mutual fund or stock, but if they don’t have a long term track record (more than ten years) of beating the market, they’re taking a risk. Remember, hoping that you can beat the market is not a strategy!
Be patient… you will love this offer!
How cutting costs works: If you don’t spend your money on unnecessary costs, it stays in your 401k account, right? Where to cut costs is not a mystery--costs are like an elephant in a living room--you can’t miss them. But you can convince yourself that a cost is necessary, and you can even pretend that a cost is not really there.
Originally, I planned to sell “Cut 401(k) Plan Expenses So That You Keep More of Your Money” Books 1, 2, and 3 for $49.95 each, which is a bargain considering how much money the ideas save you in an instant. Yes, the results you get are instant--you can't fail to save money, free up more time, and have less stress. Now, guess what? I want people to have an even better bargain on the price of my books.
Why? I believe it’s truly “Win-Win”.
You win by cutting costs and earning more money on your investments, and I win by helping you win while selling a book that is chock full of proven ideas.
Just think about it. If you apply just one of these ideas, you will save hundreds of dollars--immediately. That’s right! You won’t have to wait until you retire to see if you at least matched the market’s performance, and you will cut every unnecessary cost that your plan has. Why would you not buy all three books, especially, since (as you’ll soon see) I am offering them at a deep discount. Why would you use one or two ideas and stop? Keep your eye on the prize so that you grab the brass ring, today, right now!
A note to employees:
Today, you can stop paying unnecessary hidden and camouflaged costs! Today, you can switch out of investments that are underperforming the market!
A note to employers:
If you apply these ideas, a small 401(k) plan can save thousands of dollars, each and every year. A large plan can save millions of dollars, each and every year. Easy!
Here is something you can count on. After you apply these ideas, what will you do with the extra time you will free up? How will you invest the extra money you will have?
Just think about it. Even if you apply only one of these ideas, today, you cannot fail to have more money tomorrow.
Remember, not one of these books has ever been released, so you will be among the first people to read these proven ideas and profit from them!
Okay, are you ready to hear about my Special Offer?
I am having a “Cut 401(k) Plan Expenses So That You Keep More of Your Money” sale. I’ll show you how you can purchase all three books in eBook format so that they can be sent to you immediately!
- Each proven idea can save you hundreds of dollars, per year. Easy!
- Remember, the word “proven” means that the ideas you learn about cannot fail, not even once.

This offer is my way of saying “Thank you.” The real question is not, “Can I really apply these ideas and have more money; more time; and less stress?” Instead, it’s will you? Remember, these ideas are proven, and anyone who can read and add and subtract can profit from them.
A limited offer to order all three books at a discount
Limited Offer: only $49.95 for all three eBooks
Remember,each proven idea can save you
hundreds of dollars, each year!
Click the SECURE ORDER
PayPal “Buy Button” and follow the instructions.
That way, you, too, can have more money;
more time; and less stress. Easy!
Best wishes,
Frank R. Cirullo, author
First Capital Management
16776 Bernardo Center Drive, Suite 203
San Diego, CA 92128
1.858.487.1339
© Copyright 2008 by Frank R. Cirullo. All rights reserved. Printed in the United States of America. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise with the written permission of the author.
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