214-810-5881 - Website View in Browser →
It's Your Money!
Issue 2
Header Shadow
It's your money . . . until you give it away.

Last year Americans spent $469B on holiday spending.  We spent $6B on Christmas decorations.  Tis the season to be jolly, but try not to get carried away.  I know.  Bah humbug.

What every business owner should know about their monthly fixed costs

Every month business owners routinely spend thousands of dollars paying their fixed costs e.g. rent payments, salaries, equipment lease payments, insurance premiums, etc. and never consider the opportunity cost of those dollars spent.  Meaning, there is tremendous value in those fixed cost cash flows that could be used to expand the business, provide a self-financed line of credit, build a predictable retirement savings, and finance a buy-sell agreement and/or a key person insurance policy.

How can a business owner exploit value in his fixed cost cash flows in order to generate a line of credit without using a bank?  By understanding his state’s usury laws, rules regarding commercial loans, and the arm’s length principle within contract law, a business owner can create his own line of credit and build a predictable retirement savings using money already being spent on monthly fixed costs.

Since 2007, lending regulations have made it difficult for small businesses to obtain loans from credit unions and banks.  A recent report by the Biz2Credit Small Business Lending Index showed an increase of 4.3% from July to August in loan applications. Unfortunately, approvals by both big banks and credit unions decreased during the same period.

If you are a business owner with a recurring need for credit, tired of hoping for loan approvals, weary of high interest rates, and interested in learning how to leverage current cash flows to finance your own line of credit and generate a predictable retirement savings, call or email me today.  It’s your money . . . until you give it away.

Business Shout Out!

If you need a photographer to capture your holiday events or for your Christmas card, call one of the following photographers and tell them RHFG sent you:


Chris Morgan, 214-404-2492

Michelle Gilford, 972-849-1789

Lawrence Suldon III, 469-324-7057

Robin Jefferies, 469-585-1411

Courtney Barnes, 214-642-1545


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

·        Earn 10% of my total commissions on anyone you refer to my practice that becomes a client

Did you know?
60-70% of each one of your life insurance premium payments should/could go to your cash value accumulation?  Don't know how much of your current premium payment is going to cash value?  Call me.  I'll check it for FREE.
The Secret Way of Becoming Your Own Banker

In the inaugural newsletter, I suggested you embrace the 10 Principles of Money Mastery.  After embracing the 10 Principles, the next step towards your financial freedom is Infinite Banking.  Infinite Banking is a concept made famous by Nelson Nash, author of Becoming Your Own Banker.  According to Nash, the average American consumer pays about 35 cents of every dollar earned to some finance or interest charge.  Usually when you need financing, be it financing for a mortgage or automobile, you turn to a bank or other financial institution.  In the traditional banking system, there are three major players:  the Saver, the Borrower, and the Bank.

The Saver deposits money with the bank and earns interest on the money deposited.  The Borrower borrows money from the bank and pays interest on the money borrowed.  The Bank is just the middle man.  For its effort, the Bank charges higher interest to the Borrower than it pays to the Saver.  This is called the "spread" and is how banks make their money.

Infinite Banking makes you the bank.  Using a financial vehicle to accumulate funds, you begin to self- finance your own purchases and repay yourself thereby recapturing interest that would have gone to a bank or finance company. 

The 10 Principles of Money Mastery combined with Infinite Banking is how you can pay off all of your debt including your mortgage in 7-10 years and double and sometimes triple your expected retirement savings.

Call or email me today to make an appointment to learn more.  It's your money . . . until you give it away.

Did I mention . . .

If you own commercial property, and you're upside down, 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, you too could refinance and have equity in your property again.  Call or email me to find out how. 

Ray Hodges Ray Hodges

214-810-5881 (w)
214-675-2952 (m)
214-785-6173 (f)
1204 Ashford Dr, Desoto, TX 75115, United States
To no longer receive emails from this sender,  click here
It's your money . . . until you give it away.