Additions to the 2010 release include three new sections designed to help users explore options for putting their money in motion to create more passive income for retirement:

1) Business Concepts:  Includes a guide on how to organize and set up a business, and exercises, checklists, tools, and resources for exploring this option.

2) Investor Trading Concepts:  This section helps users better understand what it takes to launch into the world of currency, stock, and mutual fund trading. Information in this section helps determine risk tolerance and personality types that do best with trading.

3)  Real Estate Concepts:  This section helps users learn wealth maximization methods through the ins and outs of real estate investing.

In addition, the 2010 release includes updated tax tables, tax forms, and other information needed to help reduce taxes and take the most deductions legally and ethically allowed by law.

Features and Pricing Information
The Money Mastery® Master Planner is a step-by-step organizer that helps users master plan every area of their financial life and is designed to prompt users to think about the way they view spending, borrowing, taxation, and savings.  It helps organize thoughts and feelings so users can examine problems and opportunities and make changes where needed.
The Master Planner also features all of the action checklists, documents, and worksheets necessary to help users organize and store, in one place, all the information needed to control spending, pay down debt, reduce taxes, maximize savings, and protect assets.  It provides important estate planning tools, forms, and educational information needed to organize all aspects of an estate.  At death, the Master Planner Organizational System helps heirs quickly locate all the necessary documentation needed to settle an estate quickly and efficiently.  Neatly catalogued for easy access, the Master Planner guides users through the organization of personal and family matters, asset schedules, estate planning and estate settlement and includes information on Wills and trusts, incapacitation, and power of attorney.

The Master Planner is available as a stand-alone product in the www.moneymastery.com store for $195, or as part of the materials included in the mentoring package for customers who purchase personal annual coaching through Money Mastery Coaching Services.

For More Information
For more information about the Master Planner contact Time & Money, LLC 1403 South 600 West, Suite A, Woods Cross, Utah  84010, www.moneymastery.com, (888) 292-1099, customersupport@moneymastery.com

Time & Money LLC is a Utah-based financial literacy services provider specializing in the financial education of individuals, families, and corporations through financial mentoring products and services.  Time & Money, LLC is not licensed in Securities trading and will not give stock market buy-sell or investment advice, and no one is authorized to do so in its behalf.  

“This puts the emphasis on predictability,” said Alan Williams, Time & Money, LLC co-founder and the company CEM.  “Rather than pushing people to just throw money at investment products, the Cash Flow Calculator helps consumers see what their assets will be worth in the future and how long they will last.  Armed with this knowledge, people are more likely to make different choices about how they will build retirement funds and where they will actually put them.  Perhaps some money could go into a 401(k),” Williams continued, “but using the calculator may help future retirees see that having rental property to help fund retirement, for instance, will actually be a more reliable and long-lasting source of income well into the retirement years.”

The Retirement Cash Flow calculator can predict how long funds will last based on the following three types of assets that can be used to fund retirement:  

1) Interest Only Payments:  These are funds where only the asset’s interest is used for retirement. The principal providing the payment stream is not itself utilized.  Examples include savings accounts and investment portfolios large enough to generate a revenue stream.

2) Fixed Monthly Amount:  This is an asset or capital investment that will provide a fixed monthly amount to a retirement cash stream.  Examples include rental properties, pension plans, Social Security, annuities, T-bills, bonds, etc.

3) Principal and Interest Spend Down:  These are accounts where both the principal and interest are utilized as a source of retirement cash.  Examples include IRAs, Roth IRAs, savings accounts, 401(k) accounts, etc.

In addition to the Cash Flow Calculator, the Master Plan software also includes a Retirement Worksheet designed to help users predict how much money, in total, they will need to have saved by the time they choose to stop working.  This information, when combined with the other spending, debt, and tax-saving modules of the Master Plan software, helps users more accurately predict what their entire financial picture is going to look like, from debt elimination, to tax reduction, to retirement savings maximization.

For More Information
For more information about the Master Plan software and the Retirement Cash Flow Calculator, available through the MyMonePlan online community, contact Time & Money, LLC 1403 South 600 West, Suite A, Woods Cross, Utah  84010, www.moneymastery.com,  www.mymoneyplan.net, (888) 292-1099.

Time & Money LLC is a Utah-based financial literacy services provider specializing in the financial education of individuals, families, and corporations through financial mentoring products and services.  Time & Money, LLC is not licensed in Securities trading and will not give stock market buy-sell or investment advice, and no one is authorized to do so in its behalf.  

"The Money Mastery® Retirement Calculator"

"Checklist for Properly Structuring and Launching a Business"

"The 13 Criteria that Any Exceptional Money Management Product or Service Should Meet"

"Overview of the Six Ways to Legally Incorporate
a Business in the U.S."

"Checklist of the 13 Most Common Items to Complete When Setting up a New Business"

"The 9 Benefits You Should Expect from a Well Written Book on Personal Finance"

About Money Mastery®

Money Mastery is a time-proven personal financial literacy and coaching program created by the owners and founders of Time & Money, LLC, Peter Jeppson and Alan Williams.  The Money Mastery program teaches 10 proven financial principles that help people gain control of their spending, get out of all debt, minimize taxes and plan for retirement. Money Mastery helps clients create wealth on any income. For more information visit MoneyMastery.com.

"Several years ago, credit agencies were altering the information they received from credit bureaus for a small fee," says Money Mastery program co-founder, Peter Jeppson.  "When a creditor reported information, a credit agency could delete some of the information if the client supplied reasonable evidence that the information being reported was incorrect.  This ability to delete information began to be abused and as a result, clients whose reports had been altered were found to lack the ability to pay their debt and default occurred." 

To gain control and regulate credit reports, a separate, non-biased, third-party corporation was engaged to create a “credit score” based on a formula that connot be altered, Peter explains.  "Today, all lending institutions have come to rely on this score rather than trust the information contained in a consumer’s credit report alone."

Utilizing their MyMoneyPlan subscriber-based online community, Jeppson and his co-founding partner, Alan Williams, are teaching their clients a comprehensive program of credit repair and credit management.  Users can log on and get tips for how to dispute bad credit on a report, learn how high their credit scores need to be in order to obtain loans, and how debt elimination really works. 

"As a rule, you should check your credit score twice each year," says Peter.  "But be aware that anytime you or any other party checks your credit report, it will drop your score by about 10 points unless you pull the information through a firm that has permission to check a credit report for educational purposes.  When reviewing your report, verify its accuracy.  Any errors or misinformation will need to be corrected quickly to protect your credit."

Getting onto www.mymoneyplan.net for credit counseling would have helped the Stewart* family of Phoenix. They had inherited some land that was being used to construct a housing subdivision. When the Stewarts switched the property titles to their name, they were not informed that the property tax on the land had not been paid for two years.  Even though the Stewarts paid the back taxes, they failed to check their credit rating until they began the process of refinancing their home at a lower interest rate.  To their shock, the tax liens showed up on their report and kept them from securing a lower rate for their mortgage. It took them a year to get the county government to correct the problem with the credit reporting bureaus.     

If the Stewarts had been able to secure the lower interest rate of 7 percent they were negotiating, it would have saved them $69 a month for 30 years.  Paying even that much more a month will cost the Stewarts $24,000 on their home mortgage.     

*Names changed to protect privacy.

About Money Mastery®

Money Mastery is a time-proven personal financial literacy and coaching program created by the owners and founders of Time & Money, LLC, Peter Jeppson and Alan Williams.  The Money Mastery program teaches 10 proven financial principles that help people gain control of their spending, get out of all debt, minimize taxes and plan for retirement. Money Mastery helps clients create wealth on any income. For more information visit MoneyMastery.com.

In fact, the time-tested approach taught by Money Mastery financial advisors provides perhaps the most comprehensive program for debt relief and debt settlement strategies.

"We first teach people to spend less than they make," said Time & Money CEM Alan Williams. "It sounds simple. But in reality, way too many American families spend more each month than they earn. And that's a problem."

When people learn that spending is emotional, Money Mastery Principle 1 of 10 Money Mastery guiding principles, they tap in to the knowledge required to rein in spending through emotion, like buying to be happy or impulse purchases.

As a Money Mastery coaching client recently put it: "I'd like to tell you how much we appreciate what you have helped us accomplish over this past year. We managed to get ourselves in one heck of a mess and really couldn't figure out how we were going to get out of it! We now have a plan and can see the light at the end of the tunnel; I can't tell you how that makes us feel! I truly believe you have been a lifesaver to us and can't thank you enough."

When it comes to personal finance, saving money, financial planning and eliminating credit card debt, the Money Mastery program comes completely equipped with the tools necessary to help create wealth on any income.

About Money Mastery®

Money Mastery is a time-proven personal financial literacy and coaching program created by the owners and founders of of Time & Money, LLC, Peter Jeppson and Alan Williams.  The Money Mastery program teaches 10 proven financial principles that help people gain control of their spending, get out of all debt, minimize taxes and plan for retirement. Money Mastery helps clients create wealth on any income. For more information visit MoneyMastery.com.

"People have no idea how easy it is for virtually anyone to find out anything they want about you," says Peter Jeppson, co-founder of Time & Money, LLC.  He goes on to explain that anyone who wants to put together a complete financial picture on a consumer does three basic things:

1.  Locates and values any property a person owns. This is easily done through a linked national online database.  No more searching country indexes, a single search will bring up every real estate record in a person's name including loan balances and type of property.  The cost?  Nominal. 

2.  Uncovers how much cash a person has.  Most people believe that in the absence of a forced government or court inquiry, the bank will not make  account information available to third parties.  But nothing could be further from the truth.  Companies specializing in information retrieval will provide attorneys and private investigators a detailed report with location, account number, current balance, deposits, and withdrawals for every account that a person owns, and all for a pretty small fee.

3.  Hires an Information Broker.   These "brokers" collect a broad list of names which meet specific financial criteria.  A search can be secured from one of these brokers for less than $1,000 that will include real estate holdings, bank and brokerage accounts, and safe deposit boxes. 

Time & Money, LLC is making information about the tricks used to uncover financial information available to more than just their clients through their social media activities.  Some of the tricks they have exposed on the company's Web site include: 

• Using a “source”—  someone who works for a bank or firm and has access to a computer who’s willing to supply customer information on a per transaction basis.
  

• Using A “pretext”  — a trick where a broker will pose as the person being investigated.  They can do this because the attorney has already given the broker the person’s full name and address.  With this information, the broker can locate a Social Security number.  Because everyone has applied for credit with their Social Security number and that credit information is now located on national databases used for marketing purposes a broker can find a Social Security number, mother’s maiden name, and telephone numbers in a few minutes. The broker then calls the banks or firms and poses as the person being investigated and asks to do a wire transfer over the phone.  Because he has the person’s Social Security number and mother’s maiden name the bank will give the wire transfer instructions, which will always include the  bank account number.  

• Employ an “individual reference service” — thousands of employees are paid to research and input personal information about consumers which they supply to attorneys, marketers, credit suppliers, financial institutions, etc.  

• Count on “voluntary supply,” which occurs when a consumer provides private information at the time they purchase a product or service.  A mortgage loan application can be made available by the lender or institution for marketing purposes, exposing consumers to attorneys.  

• Use public records — this is another rich source which is easily accessible.  It includes records for birth, death, marriage, divorce, vehicle and title registration, voter registration, bankruptcies, firearm permits, and more.  

Time & Money co-founders, Alan Williams and Peter Jeppson are helping their clients overcome these problems by counseling them on setting up Family Limited Partnerships (FLP) or an LLC and putting assets into a Privacy Trust within the FLP or LLC.  

For More Information

To learn more about organizing finances to protect against litigation call: (888) 292-1099.

According to Williams and his Money Mastery co-author, Peter Jeppson, although these are tough questions they're  worth asking now.  That’s how the rich get rich and stay that way — they contemplate how their life, and death, will affect others. They think about the future and plan ways to protect valuable assets. They differ from the average consumer who, as Gloria Steinem put it, “plans for Saturday night, [while] rich people plan for four generations!”

Even though consumers know they need to address these important financial  planning issues, most people put it off.  Statistics show that only two in every seven families have a will made out in writing, and of those, only 20 percent are wills that have been updated in the last five years. 

"Consumers need to ask themselves 'What if both me and my spouse die unexpectedly and leave children behind?'" notes Jeppson.  "If you have not made provisions to care for them, any money available in your estate could be drastically reduced by court costs as legal proceedings ensue about who will be guardian for your children. And what if you aren’t killed but incapacitated? Without a power of attorney and living will, you and your family may be locked in legal limbo for years."

In their coaching seminars and one-on-one mentoring sessions, Williams and Jeppson encourage people to get financially organized by "killing" themselves on paper.  "Work through each financial issue from your burial, to life insurance payouts, to the way your assets are titled, and see what kind of problems your family might encounter for which you have not prepared," says Jeppson.         

Finding this exercise hard for most people to do without the proper tools, Williams and Jeppson created the Master Planner comprehensive organizer that helps people plan how they will spend, save, pay down debt, pay taxes, and run a small business or real estate venture.  It also includes checklists for applying each of the 10 Money Mastery Principles, and helps users easily order and store in one place, all essential estate planning and distribution information including copies of wills, trusts, and other important documents.  With all  information organized in one place, an estate planning attorney can quickly and efficiently review  information, thus saving valuable attorney’s fees.  

For More Information

Information about the Master Planner is available online at www.moneymastery.com or by calling (888) 292-1099.  Time & Money, LLC, 1403 S. 600 W., Suite A, Bountiful, Utah  84010.

Williams explains that while banks want people to think that there is such a thing as financial privacy, those days are long gone. Advances in computers and Internet technology allow complete access to the most sensitive personal and financial information. Full details on real estate holdings, business ventures,  account balances,  and  transaction histories can be accessed without an individual's knowledge or permission.  "Now, anyone can find out what you own and how much you’re worth," warns Williams.

Until recently, separate bits of information were scattered all over in files and county records around the country. Information could not be accessed from outside the office where the records were stored.  But today the scraps of paper and written records have all been transferred to electronic form, which can be searched and retrieved from any computer using the Internet. A single query will hunt through billions of documents to produce a frighteningly thorough profile of a person's life, in a matter of hours, not weeks. "Now it’s very easy for an attorney to assess right away whether you’re 'worth the trouble' to sue," says Williams.   

"As part of the financial literacy training our coaching clients receive, knowing that information is no longer secure is an important detail we make sure to communicate," says Williams.  "While it shouldn’t be easy to find out everything about your private bank accounts, since you ought to be able to trust your banker, today, bank and brokerage account records are easily accessible as they are stored on computers that every bank employee has access to. Unfortunately, some bank employees accept money as an 'information broker" to retrieve sensitive financial information others are seeking access to," explains Williams.

Attorneys use these information brokers, private investigators, and other reference services and pay them a modest fee to prepare detailed information about a person's financial life. Stealing  private financial information can no longer be attributed solely to dumpster divers and low-life two-bit criminals. "It’s become a booming 'above the board' business, fueled by the litigation explosion," says Williams. 

To combat the problem, Williams and Jeppson help educate people about practices that can help protect businesses and assets from ligitation.  Information about privacy trusts and other protection vehicles is an important part of their coaching content.

For More Information about Coaching

Time & Money, LLC, (888) 292-1099, www.moneymastery.com. 

"What is the right question?" asks Williams.  "The way I put it best to my clients is help them ask questions that will help them see how taxes are going to affect retirement.  Taxes have such a subtle, yet profound effect on our money.  That’s why it’s important to organize assets by the way they are going to be taxed.  By doing so, it becomes easier to see how taxes will affect retirement money over time," says Williams.  Williams and Jeppson's company, Time & Money, LLC, a financial iteracy service provider, uses powerful calculating software to project how much money will be available for their coaching clients at retirement and most importantly, how much of that money will be subject to some form of taxation.  "When individuals see that number for themselves, on paper," says Jeppson, it motivates them to make different choices about where their retirment funds will go."

For example, without the tools to play “what if” scenarios with money, consumers find it easy to get caught up in popular retirement and savings programs that may actually end up costing them serious tax dollars when it comes time to retire.  "Take 401(k) programs for instance," says Williams.  "The argument for these plans is that when a person begins to withdraw funds at age 65, he or she will usually 'be in a much lower tax bracket' than they were during their working years, so theoretically, they should pay much less in taxes.  But that may not actually be the case."

Bart Croxford, a CPA writing for the Salt Lake Tribune, spells out what may be closer to the truth:   “I have never seen anyone who promotes tax-qualified plans [such as IRA or 401(k) plans] run the figures through [the entire period of] retirement.  They run the figures to age 65...But in savings, as in sports, it’s the final score that counts, not the score at half-time or even after three quarters.  The real clincher...is the fact that with tax-qualified plans, one must pay taxes on the entire amount taken at retirement, including the growth, which accounts for the largest portion by far.  Whereas on tax-free plans, one pays no taxes on the growth at all.  In other words, one can be taxed either on the seed or the crop.  With tax-qualified plans, one pays on the crop and on tax-free plans, one pays on the seed.  One does not receive the tax deduction now, but he or she receives a far greater benefit by not having to pay taxes on the amount received at retirement.”

While Jeppson and Williams don't automatically dismiss 401(k) programs and strongly encourage their clients to take advantage of programs where an employer is offering matching contributions, they do stress, however,  the importance of considering how each retirement fund will be taxed in the long-run.

For More Information

Read Alan Williams and Peter Jeppson's book MONEY:  What Financial "Experts" Will Never Tell You available at Amazon.com or MoneyMastery.com; Time & Money, LLC 1403 South 600 West, Suite A, Bountiful, Utah  84010, (801) 292-1099, www.moneymastery.com.

"People need to ask the right questions," notes Jeppson's business partner and fellow co-author of the Money Mastery program, Alan Williams.  "Asking the right questions will insure that you’re getting the best deal, one that won’t end up costing you more in the long run."

Before consumers sign, they should be savvy by reviewing the fine print the credit card company doesn’t want them to read and asking the following questions:

1.  How long does the new rate last?  If the offer isn’t for at least six months to a year, it’s not worth it.  That’s because consumers need at least that much time to pay down a balance at the new rate.

2.  Does the introductory rate apply to new purchases as well as transferred balances?  Many people assume when they transfer their balance to a new card that the low rate applies to any new purchases they make on the card.  Usually card issuers offer the lower rate only on the transfer balance, and charge high rates on any new charges made to the card after the transfer.  Consumers should know card policy before signing.

3.  How high will the rate go when the trial period is over?  Credit card users should be sure that the rate isn’t higher than the one they're already paying.

4.  Is there an annual fee for the new card?  Even though the interest rate may be low, the offer may include a ridiculously high annual fee.  Card users should ask if the company will waive the annual fee; if not, they should wait for a better deal.

5.  Is there a grace period for finance charges and how long is it?   Ideal grace periods should be between 25 and 30 days before a charge appears on an account.  Some issuers, howevver, begin charging interest expense the very day the card is first used.

6.  What does “pre-approved” mean?  It may mean that the credit issuer will re-screen a card holder after signing, so if this is not disclosed in the offer, consumers should look elsewhere.  Bad or soft spots in a credit history can be ample justification from a card issuer’s standpoint to bump up interest rates.

7.  What is the charge for late payments?  Consumers should beware of cards that charge a penalty the very first day the user is late on a payment.

8.  Will a late payment change the introductory rate? Some card issuers will bump card holders to a higher penalty rate during the introductory period if they are late.

"Taking the time to apply Money Mastery Principle 5 of 'knowing the rules' by reading the fine print on the offer," says Williams, "puts you on an even playing field with the credit card issuer.  Don’t be satisfied with skimming over these rules.  And don’t be satisfied with any credit issuer who can’t answer your questions fully."

For More Information

Time & Money, LLC, 1403 South 600 West, Suite A, Bountiful, Utah  84010, (801) 292-1099, moneymastery.com, mymoneyplan.net.

The company is now showcasing its 10-principle Money Mastery® personal financial literacy program on Twitter, Facebook, and YouTube, where followers and fans of the program can get timely and ongoing information from the Money Mastery co-authors, Alan Williams and Peter Jeppson, regarding today’s pressing economic and financial problems.

Posts on Twitter and Facebook alert participants to informative and timely blog posts by Williams and Jeppson at the company’s blog site,  http://blog.moneymastery.com and to news information available in the company’s new newsroom at http://news.moneymastery.com.  The newsroom’s RSS feed lets followers interested in receiving timely news coverage from the company to get ongoing e-mail alerts.  

The company’s channel on YouTube, http://www.youtube.com/MyMoneyPlan includes informative one-on-one coaching videos, where Williams and Jeppson make their broad 35-year-background in personal financial management available to the public on a wide range of topics, from how to stop arguing with your spouse about money, to why budgets don’t work, to how to set up a spending plan that will get finances under control in 30 days.  

Social media sites on which Time & Money, LLC are now participating are helping point the public to the company’s educational Web site, www.moneymastery.com, and to its new online community site, www.mymoneyplan.net, which leads community subscribers through the Money Mastery program, step-by-step, helping them learn how to control spending, eliminate all debt (mortgage included), reduce taxes, and maximize savings. 

MyMoneyPlan.net includes powerful financial forecasting software, a wealth of financial tools and resources, and free online coaching.

Twitter users can follow the Money Mastery program and the MyMoneyPlan community at http://www.twitter.com/MyMoneyPlan.  Facebook fans can learn more about Money Mastery and MyMoneyPlan at http://www.facebook.com/pages/Money-Mastery/69956961531.

For More Information
For more information contact Money Mastery, (888) 292-1099, customersupport@moneymastery.com, or visit www.moneymastery.com.  Time & Money, LLC,  1403 South 600 West, Suite A, Woods Cross, Utah  84010, (888) 292-1099.

Time & Money LLC is a Utah-based financial literacy services provider specializing in the financial education of individuals, families, and corporations through financial mentoring products and services.  Time & Money, LLC is not licensed in Securities trading and will not give stock market buy-sell or investment advice, and no one is authorized to do so in its behalf.  

Real-time Coach View.  Clients receiving coaching in the Money Mastery® Personal Financial Management program can allow their coach access to their personal spending, debt, and savings plans in real-time during coaching sessions — this allows Money Mastery mentors to better assist clients in learning how to manage their personal finances.

Automatic Updates.  Because Master Plan is a web application, revisions and enhancements to the program are automatically updated, eliminating the need to download or install new versions of the software.

Built-in Online Security.  Built-in security features assure that financial information remains protected and completely confidential.

Build Multiple Plans.  Users can copy their primary financial plans and play “what if” scenarios with them to quickly and easily see how various changes to plans will affect their financial future.

Master Plan is a comprehensive financial forecasting software that allows users to manage and monitor every aspect of personal finances. Modules within the software let users prioritize and control their spending, predict how quickly they can get out of all debt, see how much of their money will be subject to some form of taxation and how to reduce that tax, and determine how much they’ll need for retirement.

Spending Module: Users can create spending plans that include historical spending information and spending categories based on user’s needs and wants. Master Plan automatically calculates monthly totals to spend in each category, and calculates when expenses are out of balance with available income.

Debt Module: Once users have entered their debts in the software, Master Plan generates powerful reports indicating the exact amount of interest owed over the life of a loans, how users can get out of debt the quickest, and how much interest they will save by applying Money Mastery debt elimination techniques.

Savings/Retirement Module: Lets users enter their savings and investment items in the software, then generates powerful reports showing how much those savings programs and investments will be worth over time. Retirement calculators help users determine how much they will actually have available at retirement and how much they will need to save EACH MONTH to reach their goals.

Pricing and Availability
Master Plan Web Access is now available as a stand-alone product or through Time & Money’s new MyMoneyPlan™ online subscription community.  Annual stand-alone subscriptions are $79 and $179 for lifetime access. Current Master Plan users can upgrade to the Web Access version for a minimal fee by calling Time & Money, LLC, (888) 292-1099.  Users who subscribe to the MyMoneyPlan.net online community will have unlimited access to the Master Plan software as part of their community subscription fee for $14.95 per month or $149.50 annually.

For More Information
For more information on the Master Plan Web Access software, contact Money Mastery Customer Support, (888) 292-1099, customersupport@moneymastery.com, or visit www.mymoneyplan.net.  Time & Money, LLC 1403 South 600 West, Suite A, Woods Cross, Utah  84010, (888) 292-1099, www.moneymastery.com.

Time & Money LLC is a Utah-based financial literacy services provider specializing in the financial education of individuals, families, and corporations through financial mentoring products and services.  Time & Money, LLC is not licensed in Securities trading and will not give stock market buy-sell or investment advice, and no one is authorized to do so in its behalf.

The MyMoneyPlan.net community will guide members through a step-by-step, "learn-and-do" approach that will help them understand and implement all four critical puzzle pieces of their financial life —  Spending Control, Debt Elimination, Tax Reduction, and Savings Maximization. Members who follow the process and complete the assignments for each puzzle piece can chart their progress and watch as their financial puzzle comes together. This visual approach clearly illustrates how well they are beginning to master EVERY area of their financial life. The new site includes powerful tools and resources to help apply the program, including Time & Money’s Master Plan forecasting software.

The Spending Module
Community members will begin their journey to complete financial mastery with the Spending module.  Here they will learn why spending is so emotional, how to control those emotions and how to put together a Spending Plan using the Master Plan software that will give them the freedom to spend how they need and want while still remaining in control.

The Debt Module
As they progress through the site, members will learn how to eliminate all debt by creating powerful Get Out of Debt Reports using the Master Plan software.  They will see how their spending habits are tied to their debt and how these are inter-related and must be controlled in tandem.  This module will also help members learn how to repair and improve their credit score.

The Tax Module
Covering a subject that is often overlooked and misunderstood by most financial “experts”, the Tax module helps members learn how to reduce their taxes in every stage of their lives, from the working years, to the retirement years, to how their estate and all assets will be taxed after death.  With the help of the Master Plan software and the other forecasting tools available on the community site, members can see how much of their assets will be subject to some form of taxation and what steps they can take to keep those taxes to the absolute bare minimum.

The Savings/Retirement Module
    In this module, members learn how to quickly stockpile savings for both emergencies and emotional needs. Using the Master Plan software, users can learn how to make savings a part of their spending plan and how to have enough money at retirement, using cash flow analyses and retirement calculators.  
In addition to these powerful modules, the site also includes back issues the “Secrets of the Money Masters”  newsletter, access to informative articles, podcasts featuring the Money Mastery authors, Alan Williams and Peter Jeppson, Webinars, access to “Ask a Coach” and other online resources.  

Subscription Information
Subscriptions to the MyMoneyPlan.net community are $14.95 per month or $149.50 for an annual membership, which gives 12 months community access for the price of 10. Users may sign up by visiting mymoneyplan.net and clicking on the “Sign Up” link in the main menu.  They can also get a free 14-day trial membership by clicking on the “14 Day Free Trial” link in the main menu.

For More Information
For more information on the MyMoneyPlan online community, contact Money Mastery Customer Support, (888) 292-1099, customersupport@moneymastery.com, or visit mymoneyplan.net. Time & Money, LLC 1403 South 600 West, Suite A, Woods Cross, Utah  84010, (888) 292-1099, www.moneymastery.com.
# # #

Time & Money LLC is a Utah-based financial literacy services provider specializing in the financial education of individuals, families, and corporations through financial mentoring products and services.  Time & Money, LLC is not licensed in Securities trading and will not give stock market buy-sell or investment advice, and no one is authorized to do so in its behalf.  

Using Time & Money's comprehensive financial mastery system, Virtual Management Inc. has created Money Mastery® for Life, which provides consumers with exciting new electronic tools and services for tracking all their spending, at the point of purchase, using the convenience of a cell phone.

Based on the concept that "you can't manage what you don't know," the Money Mastery for Life service allows consumers to capture every expense item at the exact point of purchase, thus helping them "find" money they didn't know they had that they can redirect toward debt elimination and savings maximization.

Unlike competing services, Money Mastery for Life is not a budgeting program, but a revolutionary system that combines the latest voice recognition and Web-based technology into a service that helps people more conveniently apply the Money Mastery Principle of spending control through expense tracking so they can see quickly exactly where their money is going every month so they can make prudent spending choices each time they make a purchase.
Starting at $59.95 per month, with a money-back guarantee, Money Mastery for Life is available now nationwide.

How Does Money Mastery for Life Work?

Immediately after making a purchase, a user simply dials the toll-free Money Mastery® for Life phone number on their cell phone, gives their password, then dictates a brief voicemail with the purchase details (spending category, dollar amount, etc.).

This information is then incorporated into the user's dynamic Daily Spending Plan. Each day, the user's monthly expenses are tallied with a remaining balance, by category, and a Spending Plan report is sent to them via e-mail.

Armed with this knowledge, Money Mastery® for Life users can quickly size-up their spending options, by category, without fear of going beyond their means.

The system makes it quick and convenient to track all spending, which is the key to getting in complete financial control.

Money Mastery® for Life also includes services designed to show people how to get out of all debt, build a savings account, and create a retirement plan - all by redirecting the same money they are already making into more efficient avenues using Money Mastery's principle-based financial management system.

More Information

For more information on the Money Mastery® for Life service, contact Money Mastery Customer Support at (888) 292-1099 or visit MoneyMasteryForLife.com.

The Money Mastery® GFL program, which has received a Utah State Office of Education (USOE) "Primary" stamp of approval and a 100% core alignment rating from independent assessor ProCert Labs, has been gaining popularity among high schools in various Utah school districts. Due to requests that the "easy to teach and learn" teen program be revised to suit adults seeking a high school diploma, Time & Money has developed an independent study course that students can take at their own pace with the help of learning center teachers through their local high school. The program includes all lessons, activities, assignments, and resources required to earn the GFL credit needed for a Utah high school diploma.

The Money Mastery program teaches a unique and comprehensive system of personal
financial management not taught anywhere else, approaching complete financial mastery as a puzzle. While most programs teach money management through a piece-meal approach, introducing various concepts randomly and in some cases, incompletely, Money Mastery teaches what all the pieces of the financial puzzle are and how to put them together in the right order so they work together in harmony. It also offers the program in a "print on-demand" format, unlike other hard-bound textbook offerings that rope school districts into lengthy contracts, making updating and reprinting the curriculum fast and easy and greatly reducing the cost of materials. Pricing includes updates and reprints for the student manual and all necessary supplies required to administer the program for high school learning center teachers.

The Granite Peaks Adult High School and Continuing Education Center is now offering Money Mastery for the GFL as an independent study course at Granger, Taylorsville, Kearns, and Hunter high schools. For more information on the program, visit the Granite Peaks Web site.

About Time & Money LLC

Time & Money LLC is a Utah-based financial literacy services provider specializing in the financial education of individuals, families, and corporations through financial mentoring products and services. Time & Money, LLC is not licensed in Securities trading and will not give stock market buy-sell or investment advice, and no one is authorized to do so in its behalf.

A recent bill passed in the Utah legislature not only requires publishers providing curriculum materials to Utah school districts be evaluated by the USOE, but publishers must now procure an independent assessment by a private quality assurance provider in order to assure materials are properly aligned to the state’s core standards. According to the ProCert Labs assessment, the Money Mastery program meets 100 percent of the state’s core objectives and provides accurate information that is consistently presented.  Teachers and educators can view the ProCert Labs assessment online at http://delleat.schools.utah.gov/rims/pdfs/MMGFL0606_01000000100.pdf or the USOE evaluation at:  http://delleat.schools.utah.gov/
rims/BookDetail.jsp?isbn=MMGFL0606&coreCode=01000000100.

The Money Mastery program offers students, and teachers alike, a unique and comprehensive approach to financial mastery not taught anywhere else, approaching complete financial mastery as a puzzle.  While most programs teach financial management through a piece-meal approach, introducing various financial concepts randomly and in some cases, incompletely, Money Mastery teaches what all the pieces of the financial puzzle are and how to put them together in the right order so they work together in harmony.   The Money Mastery program for the GFL also includes important tools for teachers to help them explain the program’s concepts in a systematic fashion, building from one concept to the next so that a complete financial picture can be created for each student.  Information about the program’s system and how to apply it are included in the curriculum materials.  In addition, Time & Money provides online training for teaching the Money Mastery GFL program through its Web site, free of charge at http://www.moneymastery.com/index.php?PID=rwUtic7ZZq&PGID=fbgqdAL6Z5.   
    
For More Information
For more information on the Money Mastery program for the GFL, visit www.moneymastery.com or contact Suzanne Kimball Rekow, Money Mastery Publicity Manager, (801) 427-6438; Time & Money, LLC 1403 South 600 West, Suite A, Woods Cross, Utah  84010, (888) 292-1099.

Time & Money LLC is a Utah-based financial literacy services provider specializing in the financial education of individuals, families, and corporations through financial mentoring products and services.  Time & Money, LLC is not licensed in Securities trading and will not give stock market buy-sell or investment advice, and no one is authorized to do so in its behalf.  

"The Money Mastery program provid[es] great material that mostly covers all of the standards and objectives of the General Financial Literacy core," states the USOE Recommended Instructional Materials System (RIMS) evaluation for the Money Mastery program. "It contains PowerPoint presentations, case studies, reference [materials], student listening guides, and teacher keys. This program can be used as a major source for the Financial Literacy Course and is a good source of tests and teacher helps."

According to the RIMS evaluation, the Money Mastery program meets 80 percent (plus) of the state's core objectives and provides accurate information that is consistently presented with materials that encourage students to use reading, writing, listening, speaking/presentation, and analysis skills. The evaluation also notes that Money Mastery provides an extensive financial literacy background and academic vocabulary; activates the development of higher thinking skills; provides a variety of assessment options and scoring tools; includes high quality audio and visuals that contribute to the overall effectiveness of the program; and consistently helps students analyze and develop attitudes and behaviors for effective financial decision-making.

The Money Mastery program will offer students, and teachers alike, a unique and comprehensive approach to financial mastery not taught anywhere else, approaching complete financial mastery as a puzzle. While most programs teach financial management through a piece-meal approach, introducing various financial concepts randomly and in some cases, incompletely, Money Mastery teaches what all the pieces of the financial puzzle are and how to put them together in the right order so they work together in harmony. The Money Mastery program for the GFL also includes important tools for teachers to help them explain the program's concepts in a systematic fashion, building from one concept to the next so that a complete financial picture can be created for each student. Information about the program's system and how to apply it are included in the curriculum materials. In addition, Time & Money will provide online training for teaching the Money Mastery GFL program through the USOE Web site, free of charge, to all schools who purchase the program.

The Money Mastery GFL curriculum binder includes complete lesson plans that build from one concept to the next; PowerPoint presentations; worksheets, handouts, and tests for each lesson; activities, listening assessments, software, and reference books. The program also includes a comprehensive student workbook that includes all quizzes, tests, listening assessments, assignments and activities for the course, along with parent participation activities.

For More Information

For more information on the Money Mastery program for the GFL, visit the Utah State Office of Education's Instructional Materials Web site.

About Time & Money LLC

Time & Money LLC is a Utah-based financial literacy services provider specializing in the financial education of individuals, families, and corporations through financial mentoring products and services. Time & Money, LLC is not licensed in Securities trading and will not give stock market buy-sell or investment advice, and no one is authorized to do so in its behalf.

Written with the premise that mastering money is like a puzzle and that people are being short-changed when it comes to learning how to put that puzzle together properly due to the widespread acceptance of inaccurate and inadequate information, MONEY: What Financial "Experts Will Never Tell You reveals the true secrets for financial mastery.

Outlining in detail, every area of personal finance that the average consumer needs to know to get their financial life in order, including spending, borrowing, savings, and taxation, MONEY is based on time-proven principles that can be applied on a daily basis without having to learn complex investment strategies or financial terms. In addition, these principles can be applied without any extra out-of-pocket expense.

Even though today's books on money management contain sound financial philosophies that people find inspiring, they ultimately fall short because they address only some financial issues, treating each as an independent problem. This makes personal application virtually impossible.

But MONEY: What Financial "Experts" Will Never Tell You, is different. It gives readers practical tools that they can use instantly to begin seeing positive immediate changes in their financial life.

Part I of the book teaches readers why they don't need to make a lot of money to have a lot, explaining how to be rich on what they already earn. The book shows readers how to immediately live within their means and how to stop impulse spending, instantly.

The book also shows readers how to pay themselves first, how to find money being wasted from month to month due to poor spending habits and how to immediately begin saving at least one percent of their gross income and work their way up to 10 percent or more within months.

It teaches why investing in the stock market isn't for everyone and additional smart ways to acquire wealth, plus it explores the problems with relying on 401(k) programs for retirement and what experts will never tell consumers about saving for the future.

It then teaches people how to save not only for emergency and long-term retirement, but for emotional needs and wants as well.

MONEY explores the factors that keep people perpetually in debt, including compound interest and teaches why credit card debt isn't the only thing consumers should be worried about.

Using the principles taught within, readers can learn how to get completely out of debt (including a mortgage) in nine years or less.

It explores how to preserve and increase wealth by teaching how to forecast what readers' retirement situations will actually look like and how to take immediate proactive steps to alter them for the better.

Part II is dedicated entirely to the subject of taxation, sorting out some of the most common misconceptions about taxes and teaching why today's financial wizards never deal adequately with taxation.

It outlines in easy-to-understand detail exactly how to take the most advantage of good tax law. It gives readers practical tools that can help them cut their tax burden by as much as half every year and shows how to make use of these tax savings to create additional wealth.

The book also outlines how to bullet-proof a tax return so that readers never have to worry about an IRS tax audit again.