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It's Your Money!
Issue  9 - July 30, 2013
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The Amazingly Simple Way to Use Your Monthly Business Expenses to Fund Your Retirement

Have you ever stopped to think about how much a particular expense will cost you over the life of your business?  For instance, if you pay a $2,000/month lease expense, over 15 years, that lease will cost you $360,000.  A $5,000/month expense over 15 years will cost you $900,000.  This represents a tremendous amount of lost opportunity costs.  In the past, you probably considered that expense a cost of doing business, but do you know you can recover most if not all of that expense?

Unbeknownst to many, you can use Texas usury laws and US tax law to recover a portion or all of your targeted expenses, and it’s perfectly legal.  Imagine using the very cash flows you willingly gave away in the past to fund your retirement, create your own line of credit, and expand your business.

The strategy is amazingly simple and can easily be verified by your CPA if you have any doubts.  You choose the expense you want to target and using this strategy, you can begin recovering those cash flows in order to redirect them to fund your retirement, create your own line of credit, and expand your business.  Business owners just like you are already using this strategy.  Why aren’t you?

Call me today to set an appointment for a free business consultation to find out how you can begin recovering your targeted business expenses.  It’s your money . . . until you give it away.

Did you know?

Social Security Fact:  if you are divorced, both you and your ex can collect spousal benefits (on each others work histories) after full retirement age while still postponing taking your own retirement benefits until age 70, when they are as high as can be.


If you are approaching retirement, already retired, or considering an early retirement and would like to learn more social security maximization strategies, call me to receive your free "Social Security Maximization" report.  It's your money . . . until you give it away.

Joint Ventures

Ray Hodges Financial Group is proud to announce that it has entered into a joint venture agreement with Marcus Robin, owner of AFIG, LLC  AFIG is an independent insurance agency that offers auto, home, life, health, commercial, business, and motorcycle insurance.  Call AFIG today at 469-461-3381 to compare your insurance rates to see if Marcus and his staff can save you money.  It's your money . . . until you give it away.


Women Called Moses (WCM), a non-profit organization created to provide a secure shelter for battered women and their children . Make your charitable contributions count by giving to this worthy and necessary organization.


Abstract Management Group (AMG) a business consulting firm that provides financial management, strategic planning, and marketing services for small businesses.  If you need a firm that specializes in assisting small businesses, AMG is your goto firm. 

Business Shout Out!

The following businesses are now members of my Business Advisory Council.  All members have proven to be reputable, fair, and committed to delighting their customers.  Please join me in congratulating them!

Chef Carlos on the Square, AWESOME restaurant in Lancaster, TX, 972-218-8000

10 Minute Oil Change, HONEST car repair in Duncanville, TX, 972-572-7800

Buddy’s Sporting Goods, goto place for uniforms, sports equipment, etc, in Duncanville, TX, 972-780-8149

Dry Clean USA, the dry cleaners that keeps me so fresh and so clean, clean, Cedar Hill, TX, 972-291-9917


Want to Get Away?

From now until the end of 2013, Ray Hodges Financial Group will reward the following gift to anyone who refers FIVE individuals or businesses who become clients:

·         $1,000 travel voucher to Cheap Caribbean Vacations

·         $500 in travelers cheques

Never been to the Caribbean but have always wanted to go?  Refer your friends, relatives, associates, and business associates and have a Piña Colada or Rum Punch (my preference) on RHFG!

The Number One Most Important Way to Save Your Own Financial Life

Studies show that over 90% of the US adult population is struggling financially due to overspending and payment of exorbitant finance charges.  Though there are hundreds of methods and strategies available for getting out of debt and saving money, why do the majority of people continue to suffer financially?  Most of these methods for managing your money fail because they don’t consider the number one most important principle of money mastery – spending habits have more to do with emotions than mathematics.

Scoff if you want at this fundamental truth, but consider the evidence.  When you reflect on your most recent purchases, what led you to make those purchases?  Ask yourself how you were feeling when you made the purchases.  Did you feel entitled to make the purchase because “. . . you work hard and deserve nice things?”  Or did you say, “I just had to have those shoes.”  Or maybe you said, “YOLO!" (you only live once!)  These are emotional responses that don’t always make the best financial decisions.  According to a professor at Purdue University, up to 50% of all consumer purchases are made on impulse.  “Retail Therapy” is leading a huge number of people to depression, anxiety, hopelessness which leads to real therapy.

Once you become aware that spending is emotional, you begin to cross examine all of your purchases before completing the transaction.  And once you begin focusing on the “why” behind each of your purchases, you have made the first real step towards your financial emancipation.  Call me today for a free “Get Out of Debt” report, and begin using the 10 principles of money mastery to transform your financial life.  It’s your money . . . until you give it away.


Did I mention . . .

If you own commercial property, and you're upside down on the mortgage, a member of my Business Advisory Council can help you refinance and

have equity in your property again.


If you own a residential property that appraises for over $420,000, and you're upside down on your mortgage, you too could refinance and have equity in your property again.  Call or email me to find out how. 


·      The next "10 Principles of Money Mastery" lunch and learn is tentatively scheduled for Saturday, August 10, 2013 at 11:30 am.  Call or email me if you are interested in reserving your seat!


·       Looking for a featured speaker for your group, association, organization, small business, etc? I regularly present "10 Principles of Money Mastery", "Financial Education in the Workplace", and "Social Security Maximization" to organizations just like yours. Call or email to make me your featured speaker!



Ray Hodges Ray Hodges

214-810-5881 (w)
214-675-2952 (m)
214-785-6173 (f)
1204 Ashford Dr, Desoto, TX 75115, United States
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It's your money . . . until you give it away.