Currently, he is the co-founder, President and CEO of IYD, Incorporated, a Austin, Texas Financial Education Company.  Dave travels around the country sharing with people what he calls "The Great American Debt Opportunity."  He lives in Austin Texas with his wife Diane.

When Keith's father passed away in 1990 due to cancer, he received a sizable inheritance including a property in North Carolina.  Within a short amount of time the money was basically gone, he was $28,000 in debt with a mortgage in his name as well.  When his tenants moved out and the house sat empty for 3 months, he knew something had to change.  It was around that time that he met Dave Ireland and was exposed to a debt elimination philosophy that would change his life.

Once he learned and implemented the strategies into his own life, he knew he wanted to share this powerful information with as many people as possible.  He trained to become a certified seminar leader and worked to build his own seminar business. 

In addition he speaks at corporations, associations, churches, and helps to train other seminar leaders nationally.  Keith also works with people individually as a debt elimination consultant.  For updates by Keith, go to the SL Blogs area.

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Frustrated by his lack of financial success, in 1994 Greg took a home study course on debt elimination.  He describes that course an epiphany.  "I learned more about money and debt in one night, than I had learned in my entire life up to that point.  I saw through the illusions that how much we earn determines our financial health and that credit is good for our finances.  I realized that consumerism and the monthly payment mentality were traps that cause most people to spend 25% to 30% of their lifetime income paying compound interest on their debts while robbing them of their ability to retire."

That course left Greg profoundly changed.  As he became more financially literate and his life began changing in positive new directions, Greg started sharing the message of debt elimination in adult education classes.  In 1997, Greg formed Debt Free Solutions and over the next several years conducted hundreds of workshops across America, teaching thousands of typical families how they could become financially successful, regardless of income.

He reached thousands more by co-authoring Invest In Your Debt and writing a monthly column for the Road to Financial Freedom newsletter published by his friend and associate, Bill Keenan, president of Financial Health and author of Spend Smart

Bill Keenan describes the adult education seminar on debt elimination he attended in 1997 as an epiphany.  "Like most people, my family and I had followed the conventional wisdom of getting a good education, getting a good job and working hard.  Yet we weren't able to save and invest the amount of money we needed and I couldn't figure out why.  I always believed that to get ahead financially, all you needed to do was make more money.  We were fortunate that our income did rise over the years, but our expenses rose as well.  Regardless of income, we never had any money left over at the end of the month so we couldn't find extra money to save and invest.  When I saw the power of cash flow management and debt elimination I realized people could achieve their financial goals WITH NO INCREASE IN INCOME!"

Keenan began his teaching mission because he realized that conventional financial wisdom wasn't working for his family nor for most Americans.  He has taught thousands of typical Americans how to succeed financially, regardless of income, by managing cash flow and investing in their debt.  Today Bill Keenan is an accomplished professional seminar leader and author, who has conducted seminars in corporations (3M, Honeywell, etc.), schools and churches across North America.  His classes have been featured on the NBC TV station KARE 11, written about in the Minneapolis Star and Tribune newspaper, and featured on radio stations across the state of Minnesota.

Keenan began writing in order to reach more people with his message of financial hope and opportunity.  He wrote Spend Smart, Creating Wealth even with no Room in your Budget to help people manage cash flow and end the month with extra money.  With Dave Ireland, he co-wrote Invest In Your Debt.  In 1998, he founded Financial Health in order to train more people to help to seminars.  Today, through IYD, Incorporated, hundreds of certified seminar leaders teach these life-changing seminars across the country.  Hundreds of thousands of people have been taught these winning financial strategies.

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Carl is a graduate of the University of Wisconsin with a B.S. and M.S. degree in communications and has taken advanced studies towards his Doctorate from N.C. State University.  His background in Marketing and Advertising has helped in his understanding the plight of American families in today's financial troubled times.  For more information contact:

Group 4 Financial Freedom, 16 Hemlock Road, Suite 888, Andover, NJ  973.786.6809

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This event had a major impact on my life as I am sure you can imagine.  After turning my life around and getting back on my feet, I was determined to never again be put into a financial situation so desperate again.  This was the beginning of my education into Financial Literacy 101.  After attending many different types of seminars and reading countless books on the subject about money, I realized that every class and book all counted on the same assumption of having plenty of extra of cash on hand to invest with.

This is not the case for most of America.  It wasn't until my wife and I decided to take a class called Invest In Your Debt that we discovered our debt was our greatest roadblock to creating real wealth in our lives.  This 2 1/2 hour class made such a profound affect on me that I immediately went up to the instructor at the end of class and said "I want to do what you do...How do I get started?"

For years now, I have been showing folks how to fundamentally change the way they see their financial futures.  Through public and corporate seminars, coaching and individual consultations, we show people how to be financially successful by eliminating their debt, increasing financial literacy and by making better financial decisions that support their lives.  To find out more about our public seminars or corporate lunch and learn programs, go to www.theflagggroup.net.

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Although my adult working life has been spent in various businesses, my main interest has been studying eastern techniques of meditation.  I have been teaching and practicing Transcendental Meditation, a holistic program of Yoga, for the past 33 years.  TM along with a one-pointed belief in God has always provided me with the courage to change.  However, despite my dedication to right living, I have struggled with life's obstacles like everyone else.  At 23, I was told life should be easy and comfortable, and that all life's problems resulted from a lack of knowledge; that mistakes and suffering are just the reaction to an action which falls short of it's intended purpose. As with all actions, it's purpose being the expansion of happiness.

The purpose of any technique is to make life easier.  A technique should enable one to do less and accomplish more.  The Invest In Your Debt program fills this criterion.  It explains the problem and offers a powerful solution.  In my opinion, Invest In Your Debt is the only program that fundamentally builds wealth while simultaneously eliminating debt.  It enables one to use power in their financial lives, producing the greatest results with the least amount of effort.  Invest In Your Debt is financial efficiency in action, every action fulfilling it's intended purpose. ELIMINATE YOUR DEBT! LIVE FREE! BE HAPPY!  I hope to see you all in a seminar soon.   

www.vedalight.com

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Ray Goss

Ray started his career in the radio business.  As well as being an on-air deejay, newscaster, sports announcer, general manager, he was most recently co-owner of 1160 WCCS in Homer City, Pennsylvania.  Currently he free lances as a play-by-play sportscaster including Duquesne basketball in Pittsburgh for the past 35 years. 

He started his teaching at IUP, Indiana, PA in 1986 where he taught 2 semesters Radio Production.  He started his debt elimination studies in 2000 and began teaching Invest In Your Debt and Spend Smart courses at numerous locations in September, 2000.  Since then he has taught over a 100 seminars.

Ray is married to Dee Goss and is a father of 7 children ranging in age from 27 to 42 who have given him 7 grandchildren thus far.  Ray say, " I have a wealth of experience with regard to finances because of a large family that adds credibility to my seminars."

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Marva V. Frasier

Marva attended the Invest In Your Debt Seminar at Bergen Community College, presented by Carl Lang, March 2003.  She recognized this is a simple yet effective debt elimination method.  Marva states, "Invest in Your Debt works if you work it."  Invest in Your Debt enabled her to pay off one credit card within eight months and project to complete the remaining debt (a credit card and car loan) in two years.  Marva was so excited about this powerful financial seminar, she taught the Invest in Your Debt method at a Women's Conference in October 2003 at the Sheraton Hotel in Newark, NJ.

In July 2004, Marva completed her formal training under Greg Frank, co-author of the Invest in Your Debt textbook, and officially became a Certified Seminar Leader.  Marva specializes in conducting seminars for women conferences, and social service organizations.  However, she is available to conduct the seminar at other venues such as colleges, corporations, and religious organizations.

Marva graduated from Adelphi University, Garden City, NY; B.A. Degree in Psychology.  In addition, she is a graduate from Howard University, Washington D.C. with a Master's in Social Work.  Currently, Marva is a New Jersey State Licensed Social Worker (LSW).

For more information contact:  Marva V. Frasier at 201.218.6665 or e-mail: Marvadebtfree@aol.com

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Steve Coccia

In 2000 just prior to my 50th birthday, I was thinking about a career change and applied for a position that would have given me a nice salary increase.  I figured that increases would take care of the debt we had accumulated.  It was a bit overwhelming to say the least.  How in the world did we get ourselves $30,000 dollars in debt, excluding our mortgage.  Needless to say it was all credit cards.  We didn't have car payments but we had serious debt.  It didn't really matter at this point who was responsible for it, we both contributed to it in one way or another.  The new job didn't materialize and we needed a plan of action to get rid of this debt or there would be NO RETIREMENT for either one of us.  My wife had recalled seeing a class about debt elimination in a catalog from a local school that teaches personal enrichment and life long learning in the evenings, so we signed up.

We arrived early, checked in and sat down and began reviewing the text book and work book.  What we saw in the book made perfectly good sense and in fact, it seemed too simple.  Once the class started and we were being shown how the process worked and how rapidly one could eliminate their debt, it was a "no brainer." The thing that really hit home and "turned the light on" was when another student in the class asked if she should keep depositing money to her savings account.  I was doing the same thing of paying 15% or higher interest on credit cards and wondering if it was okay to continue having money go into my savings account.  Then the instructor pointed out how it was costing more in the long run and perhaps the monthly savings could be used to help pay off our debt quicker.

That was the moment we decided to make a change in our financial lives.  We could not believe how simple the process seemed.  We agreed to sit down and look at our numbers and made the choice to change our financial situation.  I said we made "the choice" because that is exactly what it is, a choice.  I mentioned earlier that I was just about to turn 50 and I have virtually no retirement savings at all.  I knew that debt had to go first if there was going to be any chance of me retiring.  We followed the IYD process down to the penny.  We took part-time jobs during the summer months and used the money to help accelerate our debt pay off.  (Actually working part time for a professional baseball team as a seating host isn't a job, especially if you are a baseball fan like we are.)  It took us about 2 1/2 to 3 years to eliminate our credit card debt.  It feels good to have that big old gorilla of debt off our backs.

We still have a way to go until retirement, but we now have a clear path to save for it.  We recently took a vacation to Hawaii, and it was a great feeling to be able to pay CASH and even have some left over when we got home and we put that back in to savings.

Steve lives in Seattle, WA and has been teaching on a part time basis since 2002.  He teaches at 2 community colleges in the Seattle area.  He has also taught classes in Alaska, Arizona, California and Idaho for a credit union with several thousand members spread over the West Coast.  He is expanding his seminars in the corporate arena to companies of all sizes and also conducts one-on-one consulting.

A quote I use in my seminars sums it all up. "If you don't want your financial future to be the same as your financial past, then you have to make different choices.  IYD is the best opportunity one will have to accomplish this."

To reach Steve to speak at your school or business or for more information, please email him at: debteducation@comcast.net

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Robert Allen

At about the age of 58, I realized my debts were continuing to mount; yet my income was not increasing at the same time.  There was a gnawing discomfort in my stomach each month as I tried to stretch every penny I had to pay my bills.  Retirement seemed impossible and I had a distinct fear of leaving my wife and sons with a large debt load.

I saw the course listing for Invest In Your Debt in the Continuing Education brochure for Baylor University, where I continue to be a financial aid administrator.  I chuckled when I read the course description.  To say that I was skeptical is a gross understatement.  I reluctantly enrolled.  Keith Phildius taught the 3-hour course that Saturday with a calm, matter-of-fact manner.  I understood.  My reluctance and skepticism changed to a mild sense of relief.  I bought the Invest In Your Debt and Spend Smart books.

Over the next several days I read the IYD book twice.  The first time I read rather quickly reinforcing the concepts as I understood them from the class.  The second time I read with a highlighter and note pad at hand.  The mild sense of relief I had felt as I left the class turned to exhilaration as I realized how effective this "linear math, variable path" program would be.  I have not been disappointed.

Having taught for over thirty years in one way or another, (flight and classroom instructor in the US Marine Corps, classical guitar at 4 colleges and universities) I knew quickly this was something I had to share with other people.  I went to Pittsburgh and became a Certified Seminar Leader.  I am proud to share this concept with others, helping them as I was helped.

It is gratifying to encounter people six months or a year after they attended my seminar and hear the deep joy in their voices as they tell me of the progress they've made.  Comments such as the few below are common on evaluation sheets:

• "Outstanding.  Gave me hope, light at the end of the tunnel." Eddie-Killeen, TX
• "The presenter was well organized, spoke clearly and concisely.  He gave good examples.  I really wondered if the advertisement was another scheme.  But I really feel the Invest In Your Debt program will work for me.  I can't wait to get home and started on my 'invest in my debts.' Thank you!" Claudia-Eddy, TX

You can contact me to arrange seminars for adult education programs, churches, businesses, study clubs, etc., by email at rallenseminars@yahoo.com or phone at 254.722.8016.  Give me a call and let's solve some problems together.

Robert Allen Seminars - Making a Difference in People's Lives

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