Have you ever wished that you could go back in time and not miss that great opportunity that you let pass you by? Don't let that happen again! This is your opportunity, and now is the time for competent, completely unbiased financial advice that you will receive for the rest of your life - literally.
Hi, my name is Peter Bielagus and there's a good chance you have never heard of me. But I am one of the few financial advisors in the country that specializes in working with young people. And I am proud to introduce the most exciting product of my career.
I have spent the last 3 years traveling the country speaking to Young America about jumpstarting their financial lives. No matter where I went, I kept hearing the same thing again and again from people. They told me that they wanted a source of simple, direct financial advice targeted at someone their age by someone who didn't have an angle. Someone who knew the unique financial challenges of their demographic but someone who also wasn't trying to secretly sell something.
It
didn't take long for me to do something about it. I developed the
only personal finance course written for Young America, by a Young American,
which is literally good for life.
That's right. For life.
The course includes two audio CDs, one interactive CD ROM, and one 50 page action book. These products alone sell separately for a combined total of $125.00.
But this course goes one giant step further. The buyers of this course will receive annual financial updates. If a new tax break for homeowners comes up in 2012, I'll let you know. If the government announces a dynamic new website (like they did in 2005 with annualcreditreport.com) you'll be on top of it. If a new investment appears on the scene (like the Exchange Traded Fund which first showed up in 1993) or when important financial news pops up (like when the Fair Isaac Company allowed consumers to view their credit scores in 2001 two years before Congress passed the Fair And Accurate Credit Transactions Act) you'll be one of the first to find out.
What's
more, the advice will be completely unbiased. When you purchase the course,
you'll receive a written pledge that I receive
no commissions, kickbacks or compensation whatsoever from the advice given
in the annual update. That pledge will also state that I will never rent
or sell your personal information to any third parties nor will I use
that personal information to upsell you products that even I design in
the future. I am with you on this one, as your unbiased financial guide,
for life.
All this, two audio CDs, the interactive CD ROM, and the 50 page action book PLUS competent, unbiased financial advice for the rest of your financial life can be yours for a lot less than you think.
Before I tell you the price, naturally you have some questions. I'll bet I answer most of them here: (just clink on a question below, but I recommend you read them in order.
- Who is Peter Bielagus? I've never heard of you?
- So who should buy this course?
- Tell me more about what is in the course.
- So these annual updates, how will I get them?
- Ahhh...okay, I see the scam. These annual "updates"; as you call them, they are really a hidden sales pitch right? I mean you'll probably end each one of them with a phrase like, "for more information you should purchase my new book..."; In short, you're gonna upsell us. Am I right?
- Huh. Okay, so regarding the information in these annual updates, couldn't I just find that stuff for free by searching in newspapers and online?
- So you won't try to sell us a thing?
- Wouldn't you make more money if you kept trying to upsell us?
- So the way you're going to make money is to sell my name to a mailing list company right?
- Okay so these annual updates come once a year on the same day. So how long does it last?
- But see when you say that it makes me think these "lifetime"; updates will come for two years and then that's it. I mean you could totally rip me off. Seriously what's to stop you from doing that?
- So...what if you go bankrupt or something? What happens then? Do I get my money back?
- Okay but ... sorry to be morbid here... but what if you die?
- Can you show me an example of what one of these financial updates might look like?
- Is there a money back guarantee?
- Okay so how much is the price, 3 grand?
- That's it? Seriously, what is the catch?
- I'm considering buying this for my 18 year old daughter as a high school graduation gift but she doesn't seem to care about her financial life. I think its better to wait a few years until she is a little more money savvy.
- Okay, you sold me. Where do I order?
Who is Peter Bielagus? I've never heard of you?
I am a licensed financial advisor and the author of Getting Loaded which is a complete personal finance guide for students and young professionals (published internationally by Penguin Putnam/NAL). I also speak throughout the country to high school students, college students, and young professionals about personal finance. I write a monthly column for one of the largest websites in New England, www.boston.com and I've been quoted in the Wall Street Journal, USA Today, The Miami Herald as well as hundreds of other publications nationwide. If you want to read more about me, please check out my website www.peterbspeaks.com. I invite you to type my name, Peter Bielagus, into Google (or any other search engine) and do a search on me. You'll see where I've spoken and which media outlets have interviewed and quoted me. I also invite you to search for my book Getting Loaded on amazon.com and read some of the reviews. If you'd prefer to know even more about me personally, then simply visit my Myspace page at www.myspace.com/gettingloaded.
So who should buy this course?
The target market for this course would be anyone between the ages of 18-35 as of January 1, 2007. Or perhaps you are a parent who wants to give their child a financial edge? If you or your child happens to be rather financially ambitious I could see someone younger than 18 buying this course to get a financial edge. The course makes a great gift for:
- High school graduation
- College/Graduate School Graduation
- Newlyweds
- New Parents
- Young Professionals
- Birthdays and holidays (hey, you don't know your nephew's shirt size anyway)
Tell me more about what is in the course.
The course has two audio CDs, one interactive CD ROM, and one 100 page action workbook. Let me start with the CDs. The first one is about 30 minutes and it is entitled The Top Ten Things to Focus On In Your Financial Life. I kept it short and to the point, focusing only on the most important things a Young American should do to improve their financial life.
The second CD is a 70 minute overview of your financial life. It was actually produced by a pretty cool company called The Freeway Guides. (www.freewayguides.com) It's chock full of tips on how to get your financial life on track and also serves as a great review tool while you're stuck in traffic.
The CD ROM is literally an interactive financial advisor. Pop it into your computer and a slide show starts teaching you about your financial life. But, at the end of every session, the CD ROM stops and then asks you to input your own information. After you input your information, the CD ROM makes recommendations. Take for instance the section about budgets. Once the computer is done teaching you about the proper way to compile a budget, the computer asks you to do a budget; right there. But it gets better, once you're done inputting your information; the computer makes recommendations on where you can cut back or alter your spending habits to save money. Pretty cool huh?
The 100 page action book has a bunch of cool worksheets and checklists, like a car buying checklist, apartment rental checklist and a financial plan questionnaire. It also has sample letters (like what to send to a collection agent, or how to get mistakes removed from your credit report.)
So these annual updates, how will I get them?
They will come once a year on the same day, March 15. The updates will come via email, unless you notify me that you do not have a computer, in which case they can be faxed.
Ahhh...okay, I see the scam. These annual "updates" as you call them; they are really a hidden sales pitch right? I mean you'll probably end each one of them with a phrase like, "for more information you should purchase my new book..." In short, you're gonna upsell us. Am I right?
You couldn't be further off. Think about it. If my guarantee is completely unbiased financial advice, then I cannot in good faith recommend any product that I receive compensation for and that includes one of my own books or CDs. If I did, then I would be biased towards myself. So you will NEVER see something like "click here for more information on how to order." Never. I will end each update with my bio and my website address- and that is all.
Huh. Okay, so regarding the information in these annual updates, couldn't I just find that stuff for free by searching in newspapers and online?
Yes you could, but the key word is searching. The price of this course comes out to merely a few dollars a year. If it takes you an hour to find all the information that I present, you're basically saying your time is worth a just few dollars an hour. Just think every year you'll have a neatly organized 5-7 page document explaining the latest and greatest in the financial world. Of course you could get a newspaper subscription, but at a few dollars per year? I doubt it.
Sure you could find all this information yourself, perhaps even for free online but A) you might waste a lot of time doing it- certainly more than a few dollars worth of time, B) you might miss something C)) perhaps most important, you may not know what to look for. This is my life, what I do for both a living and a passion. I pay thousands of dollars every year for expensive subscriptions, to attend financial conferences, reading books and conducting interviews with experts. Let me do the work of sorting through everything to bring you what is most important.
I should also add that many financial salespeople write free articles for newspapers. Why would they do this? It's FREE advertising for their products. So while you can find a ton of information online, how much of that information contains a pledge that those who offer the information do not receive any commissions, kickbacks, or referral fees for the information they provide? I will submit such a pledge with each and every email I send.
So you won't try to sell us a thing?
Not a thing. In fact, I am so strict with these annual updates that if I publish a new book that particular year I won't even mention it. The annual updates will consist solely of the most important financial information of that year. Every update will end with my electronic signature, my web address and my pledge that the advice is not influenced by third party compensation. That's it and I will back it all up in writing with every annual update.
Wouldn't you make more money if you kept trying to upsell us?
Perhaps I would, but honestly I don't know. While constant upselling seems like a profitable idea, the problem is that everyone is doing it. Personally I am sick of it. I feel like as soon as I spend $100 on a company's product, they instantly want me to spend another $100 on an additional product. If I get that second product, then they just want me to buy a third. And so on.
What's more, you go to a website with good content and what's all over it? Ads. Over the years I have abandoned some of my favorite websites and blogs simply because they took on so much advertising. How do I know if that website still has my best interest at heart with so much advertising money looming in the background?
So honestly I am not so sure the constant up sell approach would actually make me more money. I think by being brutally honest with people about what I am trying to do, I will attract far more customers than those who seek the quick buck of up sell and advertising dollars. I want Young America to think of this financial life kit with annual updates as the financial resource. I want parents who buy it for their children to know they can trust me to fairly and accurately keep their child informed for the next 35 years I want parents who buy this product, to know they can trust me to fairly and accurately keep their children informed for life. Totally unbiased advice from a competent source.
So the way you're going to make money is to sell my name to a mailing list company right?
Nope. I will keep your information private. Again I won't even use it to alert you about my own new products. If you're interested in my other stuff then you can go to my website.
Okay so these annual updates come once a year on the same day. So how long does it last?
Hmmm. There's the tough one. Originally in my head I had the date 2042. But after talking to my lawyer he didn't want me to put a firm date in writing. So I won't promise that. My lawyer made me think about the unthinkable. Like, what happens if I become disabled? What happens if I get drafted? What happens if I get sued? What if, what if, what if? So my lawyer advised me to keep it vague and just say these are lifetime annual updates. My firm promise to you, is that I will continue tallying the information and sending out the annual updates for as long as I am able. Understand that this is not just a job to me, it's a passion. Seeing people turn their financial lives around because of information and advice that I was able to provide them is one of the greatest pleasures of my life.
But see when you say that it makes me think these "lifetime"; updates will come for two years and then that's it. I mean you could totally rip me off. Seriously what's to stop you from doing that?
First of all if you were to buy all the products in this course separately they would cost you more than what this course sells for as a whole (updates aside.) So as soon as you buy it, you are getting a deal.
And what's to stop me from ending the emails after two years? That's a good question. Let's look at this for a moment. If the course is selling steadily why would I want to stop selling it? If I were to stop the emails to my current subscribers, I certainly couldn't attract any new ones. And suppose I do sell 100,000 of these, then yes I would be sitting on a nice chunk of change. Why would I want to jeopardize all that money by cutting off the emails?
While I designed this course to help people, I'm obviously looking to make a profit. If I work hard for you, and make you happy, then you'll tell your friends about this product...and if they remain happy, they will tell their friends, and so on. It behooves me to produce the best product I can, for a long as I can, to help as many people as I can, to make me the maximum profit that I can.
I suppose I could spend $50,000 in legal fees to someway cement a better guarantee. But if I did, the cost of the course would go up (drastically.) I'm hoping this course will sell based on my blatant honesty. I really think consumers are so sick of being lied to. You know "if you call in the next ten minutes you will also get the mini juicer!"; when we all know if you call in the next 12 minutes, or 12 hours or 12 days you'll still get the mini juicer.) I've examined this thing thoroughly and the only way to keep the cost as low as it is is to do it this way.
So...what if you go bankrupt or something? What happens then? Do I get my money back?
No. You won't get your money back. But think about this for a second.
Naturally people are skeptical about something that lasts so long. For the past ten years I have done almost nothing except research, write and speak on the financial lives of Young America. Even if I stopped working in the financial world tomorrow, I'd still do a good deal of research for my own personal financial life. It doesn't cost me all that much to share it. And even if I did go bankrupt and left the business, legally it's cheaper for me to keep doing the annual updates than not. Just one lawsuit for failure to deliver on my promise could make the whole process futile.
And as I said, the products in the course alone are worth more than the price of the entire course, even without the annual updates.
Okay but ... sorry to be morbid here... but what if you die?
Can you show me an example of what one of these financial updates might look like?
Sure. Click here for a sample I would've done for the year 2005, had I finished the course by then.
Is there a money back guarantee?
Yes. You purchase the course and hold onto it for 30 days. If you are unsatisfied for any reason mail it back to me for a full refund. Once 30 days have gone by I assume you truly care about your financial life and I transfer your name to the email list for the annual updates.
Okay so how much is the price, 3 grand?
Nope. For all this, two audio CDs, the interactive CD ROM, and the 50 page action book PLUS competent, unbiased financial advice for the rest of your financial life the price is a once in a lifetime commitment of just $397.
That's it? Seriously, what is the catch?
Actually there are two catches. The first is that I need you to trust me that I will deliver those lifetime updates for a substantial period of time. The second catch is that I want every young American between the ages of 18 and 35 to own a copy of this course. The way I will make money off this is when every young American (or their concerned parents) realizes that what I am offering is truly rare in the financial world. You can get unbiased advice, but you will pay for it. It's also unlikely that the person giving the advice actually specializes in Young America. I think there is a tremendous void of competent unbiased financial information for this demographic and I happen to be one of the few financial advisors in the country that specialize in it. Even if you do find the information you're looking for you have to search all over the place to get it. I'm going to summarize a year's worth of financial information into 5-7 pages to tell you what it most important. And once you pay the up front fee, I'll never try to sell you anything else again-ever. It's a once in a lifetime commitment of less than $100 and you (or the person you buy this as gift for) will never fall behind in the financial world again.
I'm considering buying this for my 18 year old daughter as a high school graduation gift but she doesn't seem to care about her financial life. I think its better to wait a few years until she is a little more money savvy.
Well, remember the price of the course will only go up. Right now I've priced it very low just to get the word out their. But if market demand tells me I can raise the price, then honestly, I will. So if you wait say three years, your daughter would have lost out on three years of information. Remember the updates will stop someday, regardless of when you buy the course. What's more you'll probably pay a higher price. Even though your daughter might not pay attention right now, she would still get the updates. Then when she takes more of an interest in her financial future, she can pull out those past updates and still review the tips and ideas that were presented in them.
In addition, if you've had trouble getting your daughter excited about personal finance that's totally understandable. I've heard the same complaint from many parents. But maybe you should let me try. After all, I do specialize in Young America and I make finance fun not only by what I say but by how I say it.
Worst case your daughter doesn't care for say ten years. I'll still be there, like the annoying gadfly reminding her every year that she needs to take control of her financial life.
Okay, you sold me. Where do I order?
Just
click here.