Fast forward to 2004, one seeming normal day, the phone rang –on the other end of the line was my boss-the regional managing director of Well Fargo Private Bank, asking me to come to his office. When I arrived, the HR director informed me that my services as a portfolio manager we’re no longer needed.
Over the next several months I struck out on a full time job hunt. Everywhere I applied for a position, it seemed they were looking for something I did not have, or someone with a slightly different skill set. How could this be? I had over a decade of industry experience and a graduate degree, yet no one wants to hire me?
Since I could not find a job, I decided to start my own investment management business. Over the next 5 years, I kept borrowing more and more money to keep the business going, spiraling ever deeper into debt. I had to find a way out of this.
Since 2002, I’ve been teaching financial literacy classes to hundreds of people across the united states. I never really understood what it was like to be deep in debt until I found myself in the same situation, through a series of unfortunate circumstances that were outside of my control. I had to find a way to help myself, and my clients, deal with debt, in a fast and effective way.
I started to notice similarities, patterns and commonalities among not only my own finances but my clients as well. I knew that there must be a common solution to our common problems. I knew that if I could find an easy to follow system that anyone could use, that just worked, I could help a lot of people, myself included.
Craig D. Allen, CFA, CFP, CIMA, President of Montecito Private Asset Management, LLC has been managing assets for foundations, corporations, and high-net worth individuals for over twenty years. He is a Chartered Financial Analyst (CFA charter holder); a Certified Financial Planner (CFP); and holds the Certified Investment Management Analyst (CIMA) certification.
Mr. Allen holds a Master of Pacific International Affairs (MPIA) degree from the Graduate School of International Relations and Pacific Studies at the University of California San Diego (2003), with a Career Concentration in Comparative Policy Analysis, and a Regional Concentration in Latin America. He also holds a Bachelor of Business Administration (BBA) degree in Finance from Stephen F. Austin State University (1990).
Mr. Allen has helped thousands of people:
"Use the DUMP THAT DEBT!™ System to reduce debt fast, eliminate debt permanently, and take back your life!"
Mr. Allen is the President of the Board of Directors and serves on the finance committee of Transition House, a Santa Barbara-based charitable organization focused on transitioning families in need from homelessness and financial distress, to stability and home-ownership. He is also a member of the CFA Institute, a member of the Investment Management Consultants Association (IMCA), a member of the CFA Society of San Diego, and a member of the Southern California Investment Managements Consultants Association.
Mr. Allen is also a seasoned business consultant, drawing on his extensive experience in investment banking, financial accounting, financial and tax planning, and senior level management. Mr. Allen is the author of the book, “Short-Term Decisions equal Long-Term Disasters;” (iUniverse; 2003), and presents financial markets update each week on radio KZSB - AM 1290 in Santa Barbara, wrote a weekly column in the business section of the Santa Barbara News Press, and writes an economic and financial market blog—FinanceWithCraigAllen.blogspot.com. Mr. Allen is frequently published and quoted in many publications including the Wall Street Journal, the Pacific Coast Business Times and other publications and websites. Mr. Allen is also a faculty member of Axia College of the University of Phoenix.
Your debts are not only a burden to you, but to your family and friends - those closest to you - your husband or wife, your kids, you closest friends - they suffer right along with you, sometimes even more than you suffer. AND DO YOU EVER SUFFER!!! Having a lot of debt permeates every aspect of your life. Again, it is like carrying that heavy backpack on your back 24/7. The weight never leaves you. It is a constant reminder of your debt burden, and of the costs your debt is imposing upon you and your family. YOU NEED RELIEF, and the DUMP THAT DEBT!™ System IS THE ANSWER!!!
What if you knew the secrets to understanding how the credit card companies keep you in a debt cycle? Would you be able to break free from the recurring interest payments and finally reach financial freedom once and for all? It is possible and there is hope, even if you are $100,000 underwater in credit card debt, this system will show you the way out of the financial maze and help you get on the path to a responsible and fulfilling lifestyle.
"There is no greater relief from stress than to be totally free of debt. "Dump That Debt" is an excellent guide to achieve independence from debt. It all begins with a Budget just as Craig suggests. If a person follows the suggestions included in this booklet, they will enjoy an emotional experience and be able to reach a major milestone of no longer being a "victim" of debt. Craig Allen has done a noteworthy job of providing simple step by step processes to conquering debt. I especially liked the more personal notes Craig added related to considerations one must make when examining alternatives. The detailed examples are easy to understand and, if followed, will definitely build confidence and help instill a new financial discipline. His advise related to home ownership is timely and accurate. Throughout the booklet Craig advises on the importance of damage control prior to taking drastic actions. That is, be sure to have a new place of residence before disposing of your current problem laden residence; be sure to have transportation coverage before disposing of your financial problem vehicle. Also, be sure to retain the credit card account even though you cut up the cards. New cards on an account with a comfortable limit are much easier to obtain than a new account with an equal limit. The "Financial Lockdown Mode" is a must do. I would further suggest a solid practice with Credit Cards would be to make sure all accounts are fully paid each month and no new charges accrued unless they can be paid in full when due. Craig has done a superb job of creating a roadmap to financial freedom from debt. Everyone's goal should be to establish a well thought out financial discipline that will last a life time. Craig's roadmap is an excellent guide for achieving this realization." -Jerry Knotts
I just wanted to thank you for all the help and guidance you have given my clients that I have referred to you & website. For anyone looking for a better understanding and solving financial concerns and strategies I can say, "I have worked with Craig extensively as a financial planner and investment professional. His advice and insights have been instrumental in helping me manage my finances to achieve my financial goals. I can recommend Craig with no reservations"! -Todd G.
"We sincerely appreciate his responsiveness and the way he conducts business. We recommend Craig Allen to others because of our satisfaction with his service. We look forward to doing business with him for years to come." -Pablo Bonjour
"I have worked closely with Craig in years past, while working as a Financial Consultant at Wells Fargo. Craig is very focused, detail and research-oriented, and passionate about his clientele. Not only does Craig have the highest of attainable credentials and education, combined with significant experience, but more important he has the skills to
tailor each and every financial plan and client portfolio to match the investor's specific needs and objectives. Taking a comprehensive look at the client's overall portfolio and estate, given his expertise, Craig can position his services to provide solutions for almost any financial need the client has. Moreover, his practice is independent and private, free from the
corporate politics and bureaucratic pressures that prevent larger institutions from truly and efficiently serving client needs." -Joe Sprague
Unlike debt consolidation, the DUMP THAT DEBT system is inexpensive and works fast, without hurting your head. Don’t spend thousands of dollars on debt consolidation. It doesn’t work.
The recession has been difficult for everyone. Millions of people are deep in debt through fault of their own. Just look at this debt graph below showing the explosion of consumer credit in the past few years. Since 1992, consumer credit has more than tripled to 2.5 trillion dollars. To me the graph below represents millions of personal stories of suffering as a direct result of debt. When I think of the positive impact that my experience can have on these people, it motivated me to create the DUMP THAT DEBT!™ SYSTEM.
It is astounding to see the astronomical rise of the total consumer debt from 1992 to 2010.
The DUMP THAT DEBT!™ System IS NOT DEBT CONSOLIDATION! It is a tried and true system that allows you to TAKE CONTROL of your debt, and of the PROCESS of PAYING-DOWN your debt, QUICKLY and PERMANENTLY to reduce debt and eventually eliminate debt completely! Use my System to GET OUT OF DEBT now!
If you have asked the question; "How do you get out of debt?" the DUMP THAT DEBT!™ System is the answer! So many people who have never experienced what it is like to be deep in debt have no idea what causes the problem. Most think people who are in debt are stupid with their money, make bad decisions, are drug addicts, spend thrifts, or just plan fools. RIDICULOUS!!! I have been teaching financial planning classes and counseling clients for OVER TWO DECADES, and have helped thousands of people GET OUT OF DEBT and STAY OUT OF DEBT!
My direct experience shows that the vast majority of people with debt problems did NOT make bad decisions, but instead were the victims of one or a series of unforeseeable and unavoidable problems that were completely out of their control. Illness, the loss of a job, divorce, accidents, a failed business... there are many, many reasons, all of which are out of our control and all of which can cause devastating financial problems.
This System will allow you to take control of your finances to reduce debt fast and to eliminate debt permanently, to get out of debt now! Debt consolidation will likely put you even deeper into debt! DON'T DO IT! You need debt management, not debt consolidation! Use my proven debt reduction system to reduce and eliminate your credit card debt permanently!
The DUMP THAT DEBT!™ System was created by DEBT MANAGEMENT EXPERT, Chartered Financial Analyst, Certified Financial Planner, Certified Investment Management Analyst and University Professor of Finance Craig D. Allen. Simply put, it will help you get out of debt fast. IT WORKS!
Carrying debt is like wearing a backpack that you can never take off, that is filled with rocks. Each rock represents a debt - the more debts you have, the more rocks in the backpack. The larger each debt, the larger and heavier the rock. YOU CAN'T TAKE IT OFF, EVER! Everywhere you go, you have to wear that heavy backpack. When you try to sleep, the backpack gets in the way, making you uncomfortable, keeping you awake at night!
-Craig D. Allen, CFA, CFP, CIMA, Founder of DUMP THAT DEBT!™
Order today before the price increase…
The special introductory price of $39.97 is only available for a limited time. Next month the price will increase to $59.97 to account for the increased demand of the DUMP THAT DEBT!™ system. We’ve had a huge respond since our recent press release hit the wire. If you need help reducing your debt with a cutting edge debt reduction system that gets results FAST, DUMP THAT DEBT!™ is for you.
Craig D. Allen, CFA, CFP, CIMA
P.S. Dump That Debt!™ system is winning rave reviews from high profile individuals that have survived the debt crisis.
P.P.S. Your Dump That Debt!™ system is 100% risk-free. If you’re not thoroughly convinced that this is the smartest investment you’ve ever made to reduce your debt, send an email to Craig Allen within the next 90 days to cancel your order. With no explanation needed.
“This collection of debt reduction secrets has been closely guarded for years, but now it’s yours for the taking.
Disclaimer & Earnings Disclaimer: The information presented by the authors of this product is for illustrative and informational purposes only. Use these techniques and strategies at your own risk. You agree that our company, here referred to as and represented by www.dumpthatdebt.com is not responsible for the success or failure of your financial decisions relating to any information presented.
“There is no greater relief from stress than to be totally free of debt. “Dump That Debt” is an excellent guide to achieve independence from debt. It all begins with a Budget just as Craig suggests. If a person follows the suggestions included in this booklet, they will enjoy an emotional experience and be able to reach a major milestone of no longer being a “victim” of debt. Craig Allen has done a noteworthy job of providing simple step by step processes to conquering debt. I especially liked the more personal notes Craig added related to considerations one must make when examining alternatives. The detailed examples are easy to understand and, if followed, will definitely build confidence and help instill a new financial discipline. His advise related to home ownership is timely and accurate. Throughout the booklet Craig advises on the importance of damage control prior to taking drastic actions. That is, be sure to have a new place of residence before disposing of your current problem laden residence; be sure to have transportation coverage before disposing of your financial problem vehicle. Also, be sure to retain the credit card account even though you cut up the cards. New cards on an account with a comfortable limit are much easier to obtain than a new account with an equal limit. The “Financial Lockdown Mode” is a must do. I would further suggest a solid practice with Credit Cards would be to make sure all accounts are fully paid each month and no new charges accrued unless they can be paid in full when due. Craig has done a superb job of creating a roadmap to financial freedom from debt. Everyone’s goal should be to establish a well thought out financial discipline that will last a life time. Craig’s roadmap is an excellent guide for achieving this realization.” -Jerry Knotts
I just wanted to thank you for all the help and guidance you have given my clients that I have referred to you & website. For anyone looking for a better understanding and solving financial concerns and strategies I can say, "I have worked with Craig extensively as a financial planner and investment professional. His advice and insights have been instrumental in helping me manage my finances to achieve my financial goals. I can recommend Craig with no reservations"! -Todd G.
"We are very pleased with the quality of service Craig Allen has provided to us. We sincerely appreciate his responsiveness and the way he conducts business. We recommend Craig Allen to others because of our satisfaction with his service. We look forward to doing business with him for years to come." -Pablo Bonjour
"I have worked closely with Craig in years past, while working as a Financial Consultant at Wells Fargo. Craig is very focused, detail and research-oriented, and passionate about his clientele. Not only does Craig have the highest of attainable credentials and education, combined with significant experience, but more important he has the skills to tailor each and every financial plan and client portfolio to match the investor's specific needs and objectives. Taking a comprehensive look at the client's overall portfolio and estate, given his expertise, Craig can position his services to provide solutions for almost any financial need the client has. Moreover, his practice is independent and private, free from the corporate politics and bureaucratic pressures that prevent larger institutions from truly and efficiently serving client needs." -Joe Sprague
All I can say is thank you very much. I have never been given such a valuable gift of information. I have not been perfect throughout my life with my finances, I always spent above my means when I was younger and it seems that now that I am working on catching up, so many fun experiences I could have had are passing me by. Your debt system provided me with the best information I have ever read and I mean that. What you said in your opening statement " there can be no happiness without money," is so true. If I had a penny for every time a family member told me that money is not what makes a person happy or money is the root of all evil, I would be rich by now. You are so right and realistic in your statements and you have really given me the drive to do this. Brilliant, thank you Mr. Allen, really. -Lisa Magdaleno
