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It's Your Money!
Issue 10 - August 13, 2013
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Why You're about to Lose Your Retirement Savings Because You're Ignoring the Warning Signs

For some, it may well be time to move your retirement savings from places that expose it to stock market loss – 401(k)/IRA/403(b) – to a place that protects your entire nest egg.  If you don’t opt to move it all, some of you would be wise to move a significant portion of it as soon as possible.  What’s making me sound the alarm?  There are at least two reasons to move your money RIGHT NOW.  First, Warren Buffet, who is one of the most successful investors of any generation, is famous for warning “When everyone is buying into the stock market, be fearful.  When everyone is fearful, start buying into the market.” If you hadn’t noticed, people are rushing back into the market in record numbers.   1987 Market Style Crash is Coming. 98% Chance of Stock Market Crash by End of Year?    

 Omens of a Coming Stock Market Crash?

In addition to all of the new money that’s entering the market from individual investors, interest rates are rising.  Should we be worried about rising interest rates? Traditionally, rising interest rates have signaled a potential market correction.  Though these are not a hard and fast rules, if you have two pieces of evidence that give you pause, why risk significant losses if you’re positioning to retire in the next 10 – 15 years?  You only need to ask someone who suffered significant losses in the 2008-2009 correction and has yet to recover whether it was worth the risk.

Call me for safer options for your retirement savings instead of your 401(k)/IRA/403(b)  which is currently at risk due to stock market losses .  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 One Activity You're Not Performing that Makes You Live Check to Check

When the wealthy are surveyed, 66% say they know exactly where their money is being spent each year by category on groceries, clothing, utilities, entertainment, savings, etc.  Be honest.  If I asked you how much, to the penny, you spent on groceries last year, could you readily produce the dollar amount?  How about if I asked how much you spent on utilities or entertainment?  If you’re at a loss for words, looking perplexed, or your answer starts with “I spent ABOUT . . .” you’re not tracking your spending, and until you start, you’re going to experience the proverbial “I don’t have enough check to meet my bills” syndrome.

To break free from living check to check, the first step is to create a spending plan that serves as a forecast of how you plan to spend before receipt of each check, commission, etc.  The goal is to compare how you actually spent versus your forecast.  You’re effectively keeping score to understand your spending patterns and where you need to make adjustments.

Another hidden benefit of tracking your spending is it’s very likely you’ll identify tendencies to waste money on unneeded items or you may notice you’re overspending on certain activities.

Call me for a free spending planner template to begin tracking your spending so you know where all of your money goes each pay period.  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  scheduled for Saturday, August 24, 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.