Warning: Tap Into Your Equity Now & Ensure Greater Returns!

Darren Meade
Congratulations on your decision to own real estate!

Housing prices have appreciated at record levels in recent years, so you were wise to make this investment. On average, housing prices have risen over 56% nationally during the five years ending in June 2006. Some homeowners have even seen the value of their home increase over 100% during this same period.

Times are beginning to change, however. It was just announced that for the first time in 11 years, national housing prices fell in value. Not only did home prices fall 1.7% compared to a year ago, the price decline was the steepest in 38 years. Last week, USA Today reported that the National Association of Realtors projects that prices will continue to fall through the end of this year. The reason for this projection is that home sellers are reluctant to reduce their asking prices even in the face of rising inventories. With more homes for buyers to choose from, those homeowners who have to sell may do so at lower prices.

What does this mean to me?

Now is the time to think about the future for you and your family. As home prices are starting to decline, there may never be a better time to reposition your equity and employ those funds elsewhere.

Government statistics tell us that the Personal Savings Rate of Americans has been in the red since the first quarter of 2005. In a statement last week, Ben Bernanke, Federal Reserve Chairman, said that Americans need to start saving more, spending less, and preparing for retirement as we are living longer and medical costs are projected to rise.

While everyone's ultimate financial goals will vary depending on age and family status, it's important to ensure that they include a plan to minimize debt and plan for retirement.


What should I do?

The greatest opportunity to control your money can and should begin with your mortgage. The rate of interest you pay on your mortgage is typically the lowest interest rate you can obtain. The tax deductibility of your mortgage interest can drive the effective interest rate you are paying to below 4.00% depending upon your tax bracket at current interest rates.

Consolidating non-tax preferred interest accounts, including charge cards and automobile loans, can free up cash flow to devote to savings and provide a cash cushion for emergencies.

Three out of five people do not have an IRA account. Nearly one in three people do not participate in their company's 401K program. There is no better time to start investing in your future than today.

In many cases, homeowners who restructured their debt have saved over $700 a month in cash flow. By investing these savings into an investment vehicle yielding 8.00%, your money will grow to over $1 million in 30 years. Stocks have earned 12% on average annually in the post-war era. Obtaining a similar return on a $700 a month investment would result in your money growing to nearly $2.5 million.

Interest Rates for Fixed Rate Mortgages are very attractive!

Fixed interest rates are the lowest they have been in months, but they may be starting to rise following the economic news of last week. If you were waiting for rates to dip further before considering refinancing, THE TIME TO ACT IS NOW!

Call me today, and I'll prepare a FREE Analysis to see if a new mortgage program could benefit you.
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Darren Meade

To share with you a brief history, I was homeless as a teenager for two-and-half years where I lived in the streets begging for food and change. As you can imagine, my life was filled with a great deal of uncertainty.

By divine grace and guidance, I took shelter in the parking lot of a gym. The owner of the gym noticed me camping out there and after several weeks took me in. Pretty soon I had been adopted by the group of bodybuilders there and was given the nickname 'Pup'.

However, it was after the very painful experience of my father committing suicide six months after getting off the street that I began my personal journey into spiritual growth and began questioning how I could affect a greater number people in a more loving, profound and personal way.

Over the course of several years I went from being homeless to living in a condo on a golf course and representing the United States in international events culminating in winning the middleweight title of the IFBB Mr. North America bodybuilding competition. At the same time I co-founded a nutritional which exploded in the nutrition market and by age 27 I made my first million. Being young, I then squandered my first 3 million to turn around and build it again and again...slow learner at times!

Many of my lessons learned through out my spiritual path have been in the face of adversity. While "crisis" has often had its own way of waking me to the moment and reminding me of what is important to me now, it is not a requirement of this journey.

Just when I thought I had a handle on life, the handle broke.

I've learned another new lesson about life; including truly releasing and forgiving those whom hurt you. In April 2008 my aorta (main artery from your heart) ruptured in three (3) places.

I was given less than a 10% chance of survival and I was on life-support for 3 weeks. During this time the charge nurse spoke to a family friend and informed them they were going to amputate my leg, and that I was to young to die and they needed to transfer me to a new hospital (UCLA).

While I lived, my personal relationship ended within 10 days of my being discharged from the hospital. To be fair the doctors said I might never walk again, and that they believed I would be on a catheter for the rest of my life. I lost 50lbs of muscle. So she was leaving someone who might never be able to walk; make love or be able to return to work. However I've always been an over-achiever.

For instance I went off diaylisis, my bladder which had nerve damage returned to normal, the catheters out and I the leg another hospital wanted to amputate is responding and I'm learning to walk on it once again. I no longer use my wheel chair and am learning to walk without crutches.

The only suffering came from my own thoughts, believing this person would be with me to over-come these issues. I now realize that was the largest blessing of all.

EXECUTIVE BIOGRAPHY OF DARREN M. MEADE


Darren Meade, of Kairos-Meade, has a life, which exhibits the quintessential triumphant story. He was abandoned by his parents and homeless at the age of 14, weighing less than 100 pounds and today negotiates multi-million dollar agreements.

His business career developed initially from his passion for body building. As a youth, after being homeless for two-years, he was taken in by individuals who allowed him to utilize their company gym. Darren focused that passion and successfully won several awards in competitive body building, culminating in winning the Mr. North America title for the middleweight division and represented the United States in international events. His extensive exposure in competitive body building assisted in developing relationships with industry leaders in the medical device and nutritional supplement industries.

As Darren rapidly progressed in
professional endeavors, he designed a new business model not yet used in the industry for a then unknown nutritional company. The retail experiment led by Darren worked, and within two years he drove sales from $1 million to in excess of $40 million.

Moving forward to his next success, Darren proved that he could do it again and took another company to $35 million in a single year. He diligently oversaw all facets of assisting an international research organization´s quest to gain acceptance in the U.S. biotechnology sector by partnering with one of the world´s largest biotechnology companies within only five-months. This was accomplished after the organization had tried for years and used over 50 consultants and development personnel without results.

A key to Darren´s success is his passion for each new business he enters. He specializes in building profitable long-term relationships with clients, vendors and staff.
He has proven that success is contagious.

In addition to his business accomplishments, Darren has actively participated through service of time and finances to homeless shelters and civic community organizations. He is a Deputy CEO of the Invisible Youth Foundation. Darren recently volunteered on Arnold Schwarzenegger´s successful run for Governor. Due to his efforts, he was offered a position in Sacramento. He was selected by the Orange County Register to write columns regarding the process of the campaign through to the inauguration and planning for policies.