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Return Address In this location January 1, 2005 Name of Prospect Address of Prospect Hometown, State Zip code Dear Mr. and Mrs. Prospect, Is your debt managing your finances, or are you managing your debt? Interest enhances your net worth when it’s working for you. Compound interest is a key element in building your wealth. However, when interest is working against you, it can prevent your successful accumulation of wealth. Debt management is an essential aspect of any financial plan. Dollars not used for interest payments on debts can be saved and used to grow your wealth. The rewards for better debt management can easily double. One of the first analyses for debt management is to consider the debt-to-earned income ratio – what portion of your work goes toward debt? The sample to the right illustrates a portion of the analysis I can provide you. The lower your debt-to-earned income ratio, the better your financial flexibility will become. A debt-to-earned income ratio of 20% or below is considered average. Depending on your particular circumstances, a ratio of 20% or higher may be a sign that your credit is out of control. Debt can help or hinder your financial success. I will be calling you in a few days so that we can arrange to prepare a debt management analysis just for you. Sincerely, Advisor’s Name P.S. What portion of your earnings goes to debt? The best way to get debt under control is starting with a detailed analysis. 81925015 © 2005 Impact Technologies Group, Inc.