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It's Your Money!
Issue 12 - December 18, 2013
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I "Know So" Money vs. I "Hope So" Money

We’ve all been told “Save and invest your money” but unfortunately, most of us were never given any specific direction or guidelines to decide where to save and invest other than our 401(k).  There are numerous products and options, but how do you know what to do with your money?

There is a simple method to use along with a rule of thumb that will make your decision making a lot easier, and you don’t have to be a financial advisor to understand it.  Most financial options fall into two categories:  green money and red money.  Green money options are safe money options that have no exposure to the risk of neither market downturns nor interest rate fluctuations.  Green money is also referred to as “I know so” money.   Examples of green money would be CD’s, checking accounts, savings accounts, and fixed annuities.  Green money options often offer built-in guarantees and can offer guaranteed lifetime payments – hence the name “I know so” money.

Red money options are at-risk options that are exposed to loss due to market downturns or interest rate fluctuations.  Red money is also referred to as “I hope so” money.   Examples of red money would be stocks, bonds, mutual funds, and variable annuities.  Red money options offer unlimited upside potential but carry the risk of losing all of your money – hence the name “I hope so” money.

To determine how much of your money should be green vs. red, use the “Rule of 100.”  Simply subtract your age from 100, and the difference is the recommended percentage to contribute to red money options.  For example if you are 60 years old, 100 – 60 = 40 therefore no more than 40% of your money should be in red money options and 60% should be in green money options.

Call me today to receive a free “Color of Money” report to help determine how to allocate your money.  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.

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!

Nathan Lawrence Group, LLC, OUTSTANDING and PROFESSIONAL web, video/audio, video commercial, and elearning in Dallas, TX, 214-212-6161


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


College Bound Rewards Program

RHFG recently signed an agreement that enables clients to earn College Bound Rewards at select private universities at over 300+ colleges in 45 states which includes Austin College, Lindenwood University, Fontbonne University, Clark Atlanta University, Morris Brown College, Bradley University, and DePaul University to name just a few.  The program is similar to an airlines frequent flier program in that all points/dollars accumulate FREE OF CHARGE and can be applied at any member school.  Current maximum reward range is $10,800 to $44,075.  Call me today for more details.

Want to Improve Your Finances?  Power Down Your Debt and Power Up Your Fortune

Albert Einstein was moved to conclude that compound interest is the most powerful force IN THE UNIVERSE.  Those who understand compound interest earn it. Those who don't, pay it.  When you carry exorbitant debt on your credit cards, car loans, finance accounts for furniture, etc, compound interest is working against you, and you are making credit card and finance companies extremely wealthy.

A 2004 study by the US Commerce Bureau of Economic Analysis shows that 43% of US families consume more than they earn, spending on average $1.22 for each dollar they bring home. Most of us are using credit cards to bridge the gap, and then we're caught up in the "minimum-payment-syndrome" when paying back the debt. Your credit card company will never tell you this, but the "minimum-payment-syndrome" guarantees that you will continue to pay for that debt FOR THE REST OF YOUR LIFE.

Credit card companies and other credit issuers thoroughly understand our "gotta-have-it-now" attitude, and they understand the power of compound interest which is why they send out more than 5 BILLION offers for new credit cards each year.  You're in a battle to control your finances.  Credit card companies and credit issuers KNOW THE RULES.  Whoever earns compound interest wins.  Whoever pays compound interest loses.

Call me today to receive a free "Get Out of Debt" report and start winning.  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. 


·       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", "Social Security Maximization", and "Color of Money" 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.