We are living in tough economic times where there is no job security, unemployment is at an all time high, and saving enough money for retirement is no longer realistic. People are living paycheck to paycheck and they are struggling just to make ends meet. Saving any money at all is difficult, never mind trying to save for retirement. People are desperate and they are looking for a way out. They are looking for financial relief and they just don’t know where to turn. They can get a...