About The Lifetime Subscription Deal.

You'll be put on a list, and whenever there's a new version of something, you'll get it. You'll also get any new personal finance software developed, and be able to try out beta versions so you can make it do what you want by suggesting changes and new features.

If you're only interested in having individual programs never expire, then you can do that too. About how that works is on the financial software update page.

There's some new programs coming so you'd essentially be getting all future innovations for free. For example, if we'd charged $200 for the new program, the price of the Bundled Deal and the Lifetime Subscription would go up ~$125. So no matter how you look at it, you got it for free. There's a new round of products, and new bells and whistles to be added to existing products, starting in a few months. Sorry, what these will be are not known yet, because this is the every five-year round of "seeing what EVERYONE else is up to."

This price is only going to go up, not down, so the longer you wait, the more it will cost. The sooner you lock in the deal, the more free stuff you'll get, for more years, so the cheaper everything gets on average.

Yes, this includes the monthly-updated Model Portfolio / Mutual Fund Pick subscriptions sent via e-mail. You can also just get a Lifetime Subscription to just the Investor Models or the Mutual Funds Selections, or both. Prices are at the bottom of the pricing tables at the bottom of the product pages.

Yes, full support means full e-mail and phone support.

Yes, if you bought something in the past, you'd get credit for that.

No, you won't get any of Mr. Market Timer's information, anything we'd normally bill $100 an hour for, nor making benchmark portfolios.

If you've been a Bundled Deal customer for years, no you do not automatically have a Lifetime Subscription, even though you paid just as much over time. But you'll get a discounted price to account for that. We want problem customers / clients in our biz just as much as you want them in yours, so we don't just take everyone to be a Lifetime Subscriber because we want the money. So if you're in the database as being annoying, you may not be able to get this.

Lifetime means until you croak or we go out of biz. So this probably means until you croak because family will take this over when Mike croaks (and Mike has been a die-hard Life Extensionist since 1984, and plans to be 150 or the oldest human on record, so he'll probably be around for at least another 50 years). If not, then family will take everything over to sell and support things. There probably won't be any new products, and fixing bugs in existing products will be very slow (there's nothing to fix anyway). The mutual fund picks and model updating will end because Mike is the only that can do that. He tried training a smart CFP once and it's clear that there's so many mundane details to account for that he's the only one that can do it. It would take a year full-time to train a CFA, so that's not going to happen.

So you're making the bet that you'll be alive and in the biz for more than five years. This is because that's about how much it would cost to buy the fully-supported Bundled Deal and keep everything updated for that long.

Please keep in mind that all financial plan software vendors make their software expire annually, so they can suck more money out of you, to stay in business during the bad times.

What usually happens, is that after you invest time, work, and money into something you don't like, one of two things will happen when you get the bill that's a lot more than last year (Morningstar raises their bill about 15% every year - '10 it was $575 then in '11 it's $605):

1) You'll cancel it. Then you'll have to invest a lot of time researching new systems. Then after you buy it, you'll have to start over learning everything from scratch from a vendor that's pretty much the same as the last one, but with a totally different system.

You knew this was going to happen, so this is why you didn't invest a lot of time learning how it worked. This critical lack of investment in your practice leads to making bad financial plans, which leads to clients thinking you're "lame," and you won't thrive like that.

2) You'll renew and keep using it, even though you don't like it, because of all the money spent and time you invested in learning it, and you don't want to go through the whole shopping thing again.

But eventually a year will come when you're sick of the bigger bills, then you'll cancel. If this sounds familiar, then you've been doing this as long as we have.

The Lifetime Subscription finally gives you a way out of this cycle.

With the Lifetime Subscription, you'd automatically get everything for free when there's a new version. There will be no more bills, ever.

When you know you'll have something forever, then you can feel better about investing a lot of resources into becoming an expert at it. This removes the fear of making a bad investment - year after year.

Once you know you'll be using this for a long time, you'll be happy to have user's manuals put you to sleep. You'll also be happy learning the details of every cool feature, which will do wonders for your practice (like Excel's Goal Seek, which allows you to do every "What-if" scenario as every other vendor, plus dozens more they can't do).

Plus, over your career, only having to learn just one system will save you around 200 - 300 hours of work. If your time is worth $100 an hour, that's $20,000 to $30,000 saved.

You'll also feel more like "an owner," so you'll have more input on new products and versions (so they will do what you want). This is how to do a much better job servicing your clients. If you've made it out of the prospecting phase, then you know this is what it's all about.

So no matter how you look at this, we think it's an awesome bargain. Over a few years, just the money made / money not lost / money earned from just the mutual fund recommendations will add up to being more than the total cost. Then factor in the time saved by breaking the cycle.

Please note a couple of ownership things:

• As with everything on this site, there's no refunds for any reason, period. So we're stuck married together for life, with no chance of parole.

• The owner of the subscription can only be one human (not a firm nor a partnership, etc.). So when that one person that's in the database as being the one and only owner dies or goes away for whatever reason, then the subscription ends. So if you sell your firm, die, retire, leave the firm, whatever, the firm (or family) will not continue to have the subscription. So make sure the one and only person's name in the database is the correct one, because it cannot be changed once the deal is done.

If you sell your firm, retire, or let your family run it, then we'll still send YOU the files, and then you can just give it to them (we'll never know nor find out, unless they want support, so you can do that). But once you croak, that's it, nobody else gets anything again without feeding us more money.

That's all that can be said about that. Feel free to ask questions, as there's always something missing.

Subscribe for life now using the secure credit card order form

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