hot spot investments is a family business and we have been proudly serving thousands of client’s...

Hot Spot Investments is a family business and we have been proudly serving thousands of client’s investment needs for over

45 years.

Today is all about YOU, and helping your journey to wealth, happiness and success! Your success requires understanding where you are today, where you want to be in the future, and

wise choices that will get you there.

Knowledge is power, but only action brings results… It’s our pleasure to give you this priceless education. All we ask for is an open mind and the desire to succeed. Is that fair enough?

I’d like to share a few life-changing facts with you.

FACT 1: Sadly most people believe their retirement plan will not FAIL, if they have one. Nearly 95% of American’s end up with only 0% to 10% of the TOTAL money needed for retirement, despite their best

efforts to invest in their future.

FACT #2: To become wealthy, you simply can’t do what 95% of American’s do, despite what retirement and financial advisors want you to believe.

FACT #3: Traditional advisors don’t teach you to do what the wealthy 5% does and has always done. And they don’t want you to know that there plans FAIL, miserably, by providing you merely 5% to 10% of

what you’ll need.

FACT #4: Studying history is like staring into a crystal ball. History proves why 95% of retirement plans FAIL, and it proves how the other 5% become very wealthy. This will give you a proven treasure map

and allow you to avoid the path of failure.

Let’s quickly assess your current financial position, goals and expectations.

What are you doing now or what have you done in the past for your retirement plan?

At the rate you are going, do you feel you will reach your retirement goals?

What would you like to do for fun during retirement?

Great, that helps me to better understand and properly serve your needs.

We are about to give you the power of millions of dollars worth of research, centuries of evidence and all the tools and opportunities that you can easily

use to your advantage NOW.

You will learn how to safely and affordably create, protect and multiply FAR MORE WEALTH, using the most proven millionaire maker in history.

Let the fun begin…

Welcome to

Founded By…

True Wealth Reinvented, Redefined & Revolutionized

Better, Safer Wealth Building

Another crucial Wealth Transformation Course brought to you by…

What you must know that NOBODY is telling you…

“10” Shocking Multi-Million Dollar Research Reports That Will Save You From Poverty & Failure

2

America’s Greatest Financial Tragedies

6Hot Spot Investments - Copyright 2009

95% of retirement plans are failing

Only 5 percent of American’s will enjoy the luxuries of a successful retirement

After a lifetime of hard work, 95 percent of Americans will retire broke because they believed in retirement plans that have been failing Americans for many decades.

Source: Ezinearticles 95% of Retirees Retire Into Poverty! Author: Bill Young former bank mortgage officer and licensed financial consultant


Putting inflation into perspective

Prices in 1957

Today’s Prices

Tuition at Harvard $800 $31,665

A gallon of gas $.23 $2.24

A pound of coffee $.69 $3.14

A gallon of milk $.97 $3.20

A dozen eggs $.45 $1.26

A pound of sugar $.11 $.51


Inflation skyrockets

Source: US Department of Labor Bureau, ftp://ftp.bls.gov/pub/special.requests/cpi/cpiai.txt

1960 1970 1980 1990 2000 20080

50

100

150

200

250

Jan-May Avg.

CONSUMER PRICE INDEX 1960-2008

31% increase

112% increase

59% increase

32% increase

24% increase


Costs continue to soar

Source: pbs.org/frontline, BusinessWeek July 2008, author Tara Kalwarski

Health-care costs are climbing, a 65-year old couple now needs $225,000 to coverhealth-care costs vs. nearly $400,000 in 2018 if costs continue to rise at 5.8% per year

2008 2018$0

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

$350,000

$400,000

$450,000 Health Care Costs

$225,000

$395,000

Myth #1: A monthly 401(k) contribution will lead to a successful retirement

Buste

d


Fees have skyrocketed

An investor with $200,000 in retirement funds averaging the S&P500 Index over the past 7 ½ years has seen an average return of just 2.07% while experiencing a 44.73% draw down aka loss…

Draw downs are typically defined as broker fees, penalties and taxes, which can cause a combined loss of up to 80% due to large ongoing reduction of your money that is growing.

Who is really profiting with your hard earned money?

Source: Diversify your IRA, 401K, Trust or other Tax Deferred Plan, Attain 7/16/07


Even in the best of times the 401(k) fails to provide enough for retirement

Even without this “market crash” the average 401(k) account would not secure a successful retirement

Unfortunately, a market “comeback” will not fix what has been broken for far too long

Worse yet, there is no guarantee that future market crashes will be avoided

Cracked

Myth #2: Social Security will save us

Busted


Social Security - busted

Social security pays out an average of $503 per month

Living on social security would be comparable to living in jail

The only thing you can afford is 3 meals a day

Source: Social Security Administration 2009 http://www.ssa.gov/policy/docs/quickfacts/stat_snapshot/


Bankruptcies are devastating retirees

Americans 55 and older had the sharpest increase in bankruptcies in 2008 more than any other age group

They accounted for a full 1/4 of all filings in 2008

Already nearly 2/3 of Americans are financially forced to go back to work during retirement

The next generation will be dealing with social insecurity problems

Source: Those golden years have lost their glow, Los Angeles Times, September 2008


Even in the best of times social security fails to PROVIDE ENOUGH FOR RETIREMENT

Even if social security made a miraculous recovery and was able to avoid bankruptcy….

Most Americans would agree, living on $503 per month is simply not living at all

Myth #3: The stock market will rebound and save the day

Busted


Stock market investments - busted

There have been 9 bear markets in the last 50 years

• On average every 5.5 years

• 3 dropped more than 40%

• From an all-time high in October 2007, the market dropped more than 56%

It’s pretty obvious the stock market is more volatile today than any other time in the history of our nation

SOURCE: BTN RESEARCH, “BEHIND THE NUMBERS,” MARCH 9 2009, NYTIMES, S. STOLBERG, FEB 18 2009

33%

33%

52%

56%

1969-1970

1987-1988

2001-2002

2007-2009


Where will you be during the next bear market?

The S&P took nearly 6 years to recover after the previous market drop exceeding 40%

4 out of 7 (57%) American families have experienced a loss of at least $100,000 during the current bear market

SOURCE: BTN RESEARCH, “BEHIND THE NUMBERS,” MARCH 9, 2009;


Even in the best of times the stock market fails to produce enough for retirement

Even if the stock market rebounds over the next 30 years, Americans will be struggling to recover their devastating losses instead of growing their investments

And what evidence exists that there will not be future bear markets?

Myth #4: Traditional real estate investments are the answer

Busted


Rentals and flips – big mistake

The rental market is destroyed and quick flips are a thing of the past….

The market is flooded with competition• 1 in 9 homes are vacant • Nearly 17 million homes are vacant

It’s going to take quite a few years to get back to a sustainable market?

Source: USA Today February 2009 No one home


Even in the best of times, traditional real estate fails to produce enough for retirement

Short Sales & Foreclosures are likely to establish the new “Fair market value”

Many Americans will fall short of their retirement dreams as they purchase “Fair Market Values” hoping to hold, flip or rent and get rich “overnight” or “when the housing market bounces back”

After large down payments, vacancies, evictions, low average growth rate of

5-6%, traditional real estate is a part time job typically with less profit

Myth #5: Americans can’t afford to save more for retirement

Busted


Reluctance to prioritize

63% stated they do not have the ability to save more for retirement

Is the above statement really true or is it just a reluctance to prioritize?

58% stated they are not saving enough

55% 56% 57% 58% 59% 60% 61% 62% 63% 64%

58%

63%

Source: Retirement security or insecurity AARP study Oct 2008


Americans become accustomed to “instant gratification”


Get rich quick doesn’t exist

Even if you make big gains, fast profits in stock, gold, etc…

because there is no leverage and because those types of ‘profits’ are extremely rare, they give false long term expectations

Short-term planning is not proper planning

Retirement planning is long-term planning


Remember 95% of Americanswill retire broke

Only 5 percent will enjoy the luxuries of a successful retirement…

So what is it worth to you to rethink your priorities, evaluate your spending habits and take control of your “financial future” for the first time?

Source: Ezinearticles 95% of Retirees Retire Into Poverty! Author: Bill Young former bank mortgage officer and licensed financial consultant


Small sacrifices can help create a successful retirement

For example, “Consumer Reports” featured an article entitled “Cut your spending by $500 per month”

A couple easily implemented six of the recommended ways and came up with a $500 savings…

Source: Jazzychad.com Blog, My code is compiling July 20, 2008

• Found cheaper auto insurance – saved $65/month• Optimized life insurance – saved $110/month• Shopped wisely for food – saved $200/month• Cut back on telecommunication features – saved $35/month• Stopped paying bank fees – saved $25/month• Paid down credit cards – saved $65/month

Don’t forget the $400 savings per month in Starbucks, McDonalds, Redbox, Entertainment, etc.

WTU Can Help You Free Up

$500+-per month, Ask How

• want a secure retirement

• are financially conservative

• understand that “get rich quick” generally doesn’t exist

• are able to look at the long- term picture

• want safe but productive investments

• analyze risks and make sound choices

• understand if they do nothing, they will have nothing

There are investment strategies for individuals who…

Investment analysis 101


Retirement reality 101….

Remember, the average retired American currently needs $500,000 - $1 Million(to age 78)

With the average rate of inflation (5.1% per year over the past 40 years), in the next 30 years $2,301,614 – $4,603,228 will be required for a successful retirement

This will not be considered extravagant living

Source: Calculations provided by HML Funding ,LLC, May 2009


Reality #1 – 401(k) analysis

An investor with a 401(k) holding the S&P 500 Index over the past 7 1/2 years

has seen an average return of 2.07%(adjusted for inflation)

If you invested $140 a month into a 401(k) with the company matching your contribution, at the end of 30 years your total value of investment would only

amount to only $139,560

Source: Diversify your IRA, 401K, Trust or other Tax Deferred Plan, Attain 7/16/07Source: Calculations provided by HML Funding ,LLC, May 2009


Reality #2 – stock market analysis

Source: Steward Financial News 04/2009 “Don’t be fooled by stock market average annual returns

34

Source: Calculations provided by HML Funding ,LLC, May 2009

The average annual return for the stock market

from 1926-2007 was 6.2% (adjusted for inflation)

If you invested $400 a month into the stock market, at the end of 30 years your total value of

investment would amount to only $417,000

What about up to 80%+- Drawdown loss?

What if you’re caught in a market crash?


Reality #3 – Traditional real estate analysis

35

Since 1977, the national average annual appreciation rate of a home is between 5 and 6%, depending on locale

If you purchased a home in 1977 for $100,000, today your home would be valued between

only $150,000 - $180,000

Source: Home Buying By the Book, Keller Williams Realty, Vivian Morffi, March 2009


Reality #4 – So why not stockpile gold?

36

According to Global Financial Data, dating back to 1933 gold has generated an average annual

return of 4.7%

If you invested $400 a month into gold, at the end of 30 years your total value of investment would

amount to only $315,032

Source: Gold glitters, but it's a bust as an investment, USA Today, 9/5/07Source: Calculations provided by HML Funding ,LLC, May 2009

Start Growing Your Millions effortlessly today by

Discovering The Most Proven Millionaire Maker In History & the Secrets To Wealth That

Wall Street Doesn’t Want

You To Know.

MAGIC CIRCLE MILLIONAIRE

SCIENCE & SOLUTION

The majority of the world’s wealth is made in real estate

“Ninety percent of all millionaires become so through owning real estate. More money has been

made in real estate than in all industrial investments combined. The wise young man or wage earner of

today invests his money in real estate”

- Andrew Carnegie

Hot Spot Investments - Copyright 2009

Leverage is the key ingredient other investments lack

Due in large part to the devastating affects of inflation and low average investment returns;

Without leverage, the average budget and the average amount contributed toward retirement historically has absolutely no chance to create enough wealth for retirement

Creating wealth by using other people’s money and resources is oneof the oldest and wisest traditions

39


$0 to $60,000 OVERNIGHT!

Using the OPM concept (other people’s money), a person can instantly control a $60,000 position, starting with as little as a $500 initial investment and a small monthly contribution

Leverage allows an investor to recover other investment losses in new growth base value with this program

Every $1 invested in stock, gold and all non-leveraged investments can only control $1

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Use a small Amount Of Money…

With Leverage…

To Control & Profit On A Huge Amount Of Investment…


Compare & understand leveraged returns

41

0

2000

4000

6000

Amount Invested An-nually: $5,000

Annual Growth Return, Using a 10% Annual Growth Rate.


Leveraged VS Non-Leveraged Portfolio

42

0

20000

40000

60000

80000

100000

Portfolio ValueCash Reserves (approx)


The Bottom Line With Leverage

43

Stocks Gold 401K$0

$200,000

$400,000

$600,000

$800,000

$1,000,000

$1,200,000

Growth After 30 years, us-ing historic annual growth averages and a $400/mo contribution ($140/mo for 401K).

TAX FREE! Drawdown FREE!

Leveraged Magic Circle

Position

Up to 80%

Drawdown &

30%+- To Taxes U

p to 80%

Drawdown &

30%+- To Taxes

(Inflation adjusted) (Inflation adjusted)

Introducing the Magic Circle.

The Most Proven, Safe &ConsistentMillionaireMaker InHistory.


The difference: inflated vs. un-inflated

Un-inflated land unlike inflated city real estate has a lot of room for value growth

Already inflated city areas will always pressure the perimeter land values to grow faster whether major expansion occurs or not

Un-inflated land is the land on the edge of major cities located in the most optimal areas for present use and future expansion

Small and affordable Un-inflated land investments on the edge of the city typically appreciate an average of 10% annually

45

46

INSTANTLY Convert A Very Small Budget Into Your Own $60,000 Growing Magic Circle LANDWealth!

5 Acres In The Magic Circle


Let’s clarify interest paid VS Growth

47

The total cost of a $60,000 piece of land, including interest on a 30 year loan, is about $100,000 (& don’t forget the interest can be tax deductible)

In comparison to the value after 30 years, at over $1 Million, assuming the historical average annualgrowth rate of 10% and not including a potential long term jackpot.

You can see the interest does not even compare to the growth.

Will Rogers said…

“The way to make moneyin real estate is to find out where people are going, and buy land

before they get there!”

Our methods are proven

“Un-inflated real estate” is not the latest“GET RICH SCHEME”.

Our company and investment strategies have benefited thousands of our clients for over 40 years

Theodore Roosevelt said…

“Every man who invests in well selected real estate in a growing section of a prosperous community adopts the surest and safest method of becoming independent, for real estate is the basis of wealth.”

Our land will always be in demand

Today…

1. Investment

2. Country living

3. Agricultural

4. Recreational

5. Legacy

6. Safe Haven

And tomorrow…

The population is growing by 2.5 million per year regardless of the state of the economy

Nothing happens without land and they aren’t making anymore of it….

In Utah, Draper, Herriman and Lehi are prime examples of astronomical change from un-inflated to inflated city land.

Remember when local farms and ranches were $100 an acre

Land is now well over $100,000 an acre in these areas. It’s easy to see how un-inflated land produces millions of dollars in additional gains above the anticipated annual growth rate of 10% or 120% when leveraged.

Centuries Of Proof….Millions of stories

• Every major city in the world is proof of ever-increasing demand, growth and value increase.

• This dates back centuries to when areas were first settled.

• There are beyond MILLIONS of real life stories of profiting GREATLY from land on the edge of major cities (ask around)

• Many city edges are already unaffordable because of continued growth expectations

• ALL applicable land will eventually convert to a city but the closer you are to a major city, the greater the annual growth from the natural city pressure and the sooner you will jackpot BONUS growth

53

Studying the past is the closest indicator for to predicting the future

Only 21% of Utah is privately owned, only a small percentage is useable land for sale and only a fractional amount has the proven ingredients

We are the ONLY company in Utah who has a large inventory of affordable seller financed properties in the magic circle with the proven ingredients

Not all land is created equal

Fed-eral

owned64%

Trust lands6%

Other state

owned4%

Native American reserva-

tions5%

Private owned

21%

Land in the Magic Circle with the proven ingredients wins over all other real estate

• Too far from a major city• Low demand = minimal growth • Larger unaffordable land• Most deals require cash in full• Too much land – to few buyers• Lower price per acre

but far less return

• Affordable to 95% of population• High demand = faster value growth• Un-inflated & lots of room to grow• Naturally inflates from city pressure• Grows up to 6 times faster than city• 833% less than city land @$100K/AC• Almost no competition

• Already “Inflated”

• High cost & high risk

• 99% of RE competition

• High maintenance job

• More cost, risk & hassle

for less return

56

TESTIMONIALFred Smith worked in a bank for about 10 years. It became very clear over time that the vast majority of large cash deposits came from the farmers who had sold a piece of land.

It wasn’t uncommon for a farmer to have purchased land on the edge of the city for $25 to $50 per acre and to sell it later in life for as much as $100,000 per acre.

Working in a bank, I saw that traditional investments weren’t producing vast wealth for people. It became clear that land was the best path to wealth.

Having developed and sold thousands of un-inflated properties, I have never seen a better or safer way to leverage money and create wealth.

Co-OwnerHot Spot Investments

Co-Founder Wealth Transformation

University

Jaime Smith bought his first property at age 18 and sold it for a net profit of nearly (66%) $10,000 in three months

Since that time he has made his living buying, selling and developing un-inflated real estate

After producing well over a $25 Million portfolio in just thirteen years, his mission is to help others secure a better retirement

Co-OwnerHot Spot Investments

Co-Founder Wealth Transformation

University

TESTIMONIAL

Joseph worked as an equipment operator in Nevada for 22 years and retired with a $1200 per month pension and $700 per month in social security income.

Fortunately, he was able to supplement his meager retirement by selling two parcels of land.

His returns on investment:Bought land for $500 and sold it for $88,000Bought land for $1200 and sold it for $40,000

TESTIMONIAL

Jay from Las Vegas, Nevada lost over approximately a few million dollars of his retirement plan with a large firm.

Fortunately his investments with real estate have fared much better. Over the last 28 years he purchased properties for approximately a few million dollars and has since seen the value of his real estate portfolio increase to nearly $65,000,000.

TESTIMONIAL


Let’s recap…

1. Not enough money is being contributed to successfully retire

2. 95% of all retirement plans fail because they lack leverage and adequate returns

3. Inflation affects the future value of retirement savings

4. Traditional real estate and other investments produce insufficient returns and require large amounts of time and money and induce stress

5. However, individuals have the ability to prioritize and can retire successfully on a small budget

60

A small budget can create a lifetime of security

We are the retirement plan safe haven, we can help you…

• Eliminate the risk of losing your investment!• Add hundreds of thousands+- to your retirement• Instantly double your portfolio and convert

investments to cash reserves using leverage!• Earn 10%+- annual growth or 120% dollar for

dollar average annual growth using leverage• Grow nearly 2 times faster and create far more

cash flow then traditional real!• Gain 30%+- annually with a tax free retirement

account.• Gain up to 44% by eliminating drawdown

Albert Einstein said….

Insanity = doing the same thing over and over

again and expecting different results


JOIN OUR FAMILY AND

BECOME PART OF THE 5% THAT WILL

RETIRE SUCCESSFULL

Y

What’s your families “land story”? More importantly will you be the next successful land story in your family?

Your great grandfather told your grandfather, your grandfather told your father & your father probably told you: “If I would have bought that land I’d be a rich man today”-

No more should’ve, would’ve, could’ve….

ACT NOW

FOR A LIMITED TIME: GET AGUARANTEED RETURN PLAN

10% match on ALL YOUR MONEY… This could make you hundreds of thousands more profit in your lifetime.


Magic Circle Land / Tax Shelter• 10% Guaranteed Annual Return via Money Match Value = Unbeatable

• 120% Historical Average Annual Growth Return via Leverage = Unbeatable

• 30%+- Annual Tax Savings via Tax Write-offs (this can save you thousands in taxes annually)

• Protection against inflation = Priceless Value• Protection against Wall Street losses & devastation = Priceless Value

• Stress Eliminated = Priceless Value • Time saved = Priceless Value Bottom LineEnjoy more return on your investment using less money, more wealth protection, multiply your income instead of paying it to taxes and enjoy more quality time with family.

Let’s compare the returns & benefits

66

VS Other Investments

• 1% to 10% Average Annual return

• (.5% to 5% Net returnafter 50% Loss to Taxes & Drawdown)

• (Negative 4.5% to0% Net return after 5% Loss to Inflation & 50% Loss to Drawdown & Taxes)

Bottom LineLess money or Loss of money, more risk, pay money to taxes instead of an income multiplier


HISTORICAL GROWTH EXAMPLES+-

67

Hideaway Valley (After 29 years) Highland Estates (After 36 years)

Mid Valley Estates (After 37 years)

Timberlakes (After 33 years)

Blackhawk Mt Estates (After 29 years)

Lake Rockport Estates (After 37 years)

High Mountain Estates (After 41 years)

Garff Ranches (After 19 years)

$35,000

2,500% Gain to $100,000

20,000% Gain to $100,000

1,600% Gain to $80,000

$5,000

6,410% Gain to $250,000

3,750% Gain to $75,000

10,000% Gain to $200,000

1,143% Gain to $400,000 1,400% Gain to $70,000

$4,000

$5,000

$2,000$500

$3,900

$2,000

9.5% Average annual gain





10% Average annual gain



All calculations, figures and details are Approximate

You deserve to safely create, protect and multiply FAR MORE wealth on

your hard earned dollars.Your action today will be the result

of your tommorrow.We welcome you to the beginning of

the rest of your wealthy life.

What did you think of the research?

Tell me what you learned that made the biggest impression.

From what you have learned today, do you feel that your current investments will provide enough for your retirement?

In light of this, don’t you agree you need to make some changes......do something different…….

This is going to give you peace of mind knowing that you took wise educated action to save your future!

We have your $1 million dollar rock here today, which will be your foundation for a successful retirement!

Let’s make it official so you can have the retirement you deserve.

Can you see the incredible power of leverage, and how it can make you far more than any other investment?

Do you know of any other investment that can give you the proven results and returns on investment necessary to build enough wealth for a successful

retirement?

Don’t you agree that most people who don’t take action when opportunity presents itself usually talk themselves out of it and miss the boat entirely?

Think about this, Can you afford not to do this for your retirement?

Can you see that waiting for a recovery in the market is not going to solve the basic problem?

Do you understand how this opportunity can give you more than a full recovery and put cash reserves in savings?

Great, let’s pick out your million dollar rock today?

hot spot investments is a family business and we have been proudly serving thousands of client’s...

Documents

retirement plans

retirement goals

successful retirement

percent of americans

safer wealth

true wealth

financial advisors

poverty failure