Clear solutions in a complex world®
Russell G. Lowry
CFP®, CRPC®
Wealth Planning Advisor
Sagemark Consulting
100 Northfield Drive
Suite 200
Windsor, CT 06095

ph: 860.298.1800
fax: 860.298.1812
toll free: 888.921.8455

russell.lowry@lfg.com
How Much Credit Can You Afford?
Individuals are swamped with consumer debt, and yet, credit card applications fill the mail sacks at the post office. According to the latest figures offered by the Federal Reserve Board, consumer debt topped $2.5 trillion in November 2007, bringing the annual rate increase to 7.5% (The Fed, 2008). With this load of debt, people often forget to ask how it affects their overall financial condition. But, there is a guideline. It's called "The Rule of 35," and it works like this: No more than 35% of your gross pay should be expended on long-term credit financing, including your mortgage. The balance, 65% of gross pay, should go toward taxes and all other living expenses.
Copyright © 2008 -- Liberty Publishing, Inc. All rights reserved.

The Twelve Universal Laws of Successful Investing

The Twelve Universal Laws of Successful Investing is a review of the common rules that successful investors use to help achieve financial success. They are not dependent on any particular investment product from any given company and they can be applied regardless of your experience or lack thereof in making investments. There is a score card at the end so you can rate yourself on each of the 12 Universal Laws. This will show you the areas you need to work on. Then you are welcome to schedule a FREE consultation with Russell G. Lowry and his associates to see if your situation can be improved with their help. To receive your own free copy, please send an email to Russell.Lowry@LFG.com or call at 860.298.1800.

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