M O N E Y
What Financial “Experts”
Will Never Tell You
W H ATYOU DON’T K N O WAND W H YYOU SHOULD KNOWI T
by Alan M. Williams, Peter R. Jeppson, Sanford C. Botkin
TIME & MONEY, LLC
1403 South 600 West • Woods Cross, Utah 84010
(888) 292-1099 • www.moneymastery.com
Cover design by Axiom Designed Communications
Printed by FC Printing, Salt Lake City, Utah
To order this title, or for more information on other titles published by
Time & Money, LLC, please call (888) 292-1099.
This book is intended to provide authoritative and accurate information relating to all areas of personal and small
business financial management. 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 our behalf. Time & Money, LLC
advises any reader of this book engaged in business operations to run that business with an honest expectation of
profit and that business expenses be ordinary, necessary, reasonable, and directly related to the business, and that
any tax deductions be documented correctly. All product names and service names referenced herein are the
property of their respective owners.
All rights reserved under the Pan-American and International Copyright Conventions.
This book may not be reproduced, in whole or in part, in any form or by any means
electronic or mechanical, including photocopying, recording, or by any information stor-
age and retrieval system now known or hereafter invented, without written permission
from the publisher, Time & Money, LLC.
Copyright ©2006 by Alan M. Williams, Peter R. Jeppson, Sanford C. Botkin.
Printed in the United States of America.
ISBN: 0-9788766-0-1; 978-0-9788766-0-9
LIBRARY OF CONGRESS CONTROLNUMBER: 2006908269
$19.99 U.S.; $23.99 Canada (softcover)
MoneyMasteryBookFinal(6/07) 1/14/08 8:43 PM Page 2
he Money Mastery philosophy is a work of the ages. Its ideas, princi-
ples and methods are the accumulated time-value endeavors of the
financially secure fro