Standard Fee

The standard fee for the Quit Smoking in One-Hour
program is $545. A discount of 20% ($435) is available
if you are
referred by your doctor, or by a health care
professional. Since many medical insurances cover the
cost of hypnotherapy I will give you an insurance-
friendly statement so that you can be reimbursed
directly by them. The cost of the quit smoking program
is a small investment when you consider the financial toll
smoking is costing you. And when you consider the
investment in your health, both short-term and long-
term, the fee is nothing compared to medical bills that
you are sure to face in the future. This small investment
will bring many returns financially, socially, emotionally
and medically. You will come in as a smoker and leave as
a non-smoker--guaranteed! No "gradual" reduction in
smoking, no patches or gum, no on-going support
group nor are any further sessions required. You will
experience the most powerful stop smoking program
ever conceived.

One of the things that makes this program unique is
that I am one of only a few hypnotherapists that backs
up their work by offering a
life-time guarantee. I am able
to do this because I have discovered a new way of
combining advanced hypnosis techniques with the new
science of Neuro Linguistic Programming (NLP), which
takes success rates to an unprecedented level.  Not only
do you unravel all of your hidden motivations to smoke,
but you also learn a simple but powerful technique to
eliminate any unwanted feeling or emotion as it arises.
With this method, literally more than 95% of people
stop smoking permanently in one hour!  It is because
my technique has proved itself over the years that I can
offer you a life-time guarantee. Most other
hypnotherapy programs cannot offer this guarantee
because they are not as effective--typically 30-40%
effective at best!

The Financial Consequences of Smoking

If the possibility of major medical problems won't impact
your decision to stop smoking, perhaps the effect on
your finances will!

The financial consequences of lighting up stretch far
beyond the cost of a pack of cigarettes. Smokers pay
more for insurance and lose money on the resale value
of their cars and homes. They spend extra on dry
cleaning and teeth cleaning. Long term, they earn less
and receive less in pension and Social Security benefits.
And now, being a smoker can not only mean you don't
get hired -- you can get fired, too: Weyco Inc., a
medical benefits administrator in Okemos, Mich., after
announcing it would no longer employ smokers, fired
four employees who refused to submit to a breath test.

The American Civil Liberties Union’s (ACLU) National
Workrights Institute estimates that more than 6,000
companies refuse to hire smokers.

The costs don’t stop with your paycheck. New CDC
figures assert that smokers cost the economy nearly
$94 billion yearly in lost productivity. An additional $89
billion is estimated spent on public and private
healthcare combined. The Campaign for Tobacco-Free
Kids Taxpayers says each American household spends
$596 a year in federal and state taxes due to smoking.

Start With the Obvious

According to the Campaign for Tobacco-Free Kids, the
cost of a pack averages $4.32, with the highest prices in
Maine ($6.46) and New Jersey ($6.06) and the lowest in
Missouri ($3.33).

Using this number, a pack-a-day smoker burns through
about $30.24 per week, or nearly $1,600 per year.
That's a fat house payment or a nice vacation with the
family. A 40-year-old who quits smoking and puts the
savings into a 401(k) earning 9% a year would have an
extra $250,000 by age 70.

The one place many smokers feel free and comfortable
to light up is in their car. Without consistent and
thorough cleanings, however, a car that is smoked in will
soon start to resemble an ashtray on wheels. The
interior will inevitably smell like smoke, and stray ashes
and butts can burn holes in the upholstery and floor

None of these things has much financial impact until you
try to sell the car. Figure a minimum of $150 for a good
cleaning with an extractor.

On a trade-in, dealers can easily knock off more than
$1,000 on higher-end vehicles like vans, SUVs and
expensive sport-types. Terry Cooper, a car dealer with
seven new- and used-car stores, says he took a 1999
Porsche 911 Cabriolet in on trade for $37,000. That
sounds OK, but the previous owner could have fetched
$40,000 for it had he not "smoked out" the car's interior.
The criteria that apply to cars apply to homes as well,
only on a bigger scale.

Smokers' houses often require all new paint and/or wall
treatments, as well as professional drapery and carpet
cleaning. According to Contractors.com, priming and
painting an average-size living room, dining room and
two bedrooms would cost around $2,100. The Carpet
Buying Handbook puts the average cleaning cost per
square foot at 28 cents, and the average home has
1,000 square feet of carpet. That's $280. Add $55 to
clean a typical sofa and $25 for a chair, says Diversified
Carpet in San Diego.

Walt Molony with the National Association of R
says that "certainly the smell of cigarettes can be a turn-
off to potential buyers," but he also notes that it is less
of a problem in tight housing markets.

The insurers weigh in, and they're not happy
We pulled some online quotes on 20-year term life
insurance (a $500,000 policy) for a healthy 44-year-old
male through BudgetLife.com. The range for a non-
smoker was $695 to $ 2,250 in premiums per year; for
someone smoking a pack a day, the prices skyrocketed
to as much as $4,495 per year.

The difference in health insurance isn't as dramatic.
According to eHealthInsurance.com, the monthly
premium for a policy from Regence Blue Shield with a
$1,500 deductible for a 44-year-old male nonsmoker is
$198. The same policy for a smoker is $229 per month.
He will pay nearly $372 more per year.

A few state governments also charge their employees
extra for health insurance if they smoke, and others are
gradually joining the trend. West Virginia, Georgia,
Kentucky and Alabama charge state employees who
smoke a surcharge; in Georgia, for example, that
surcharge is an additional $40 per month.

According to the ACLU, a majority of states do not have
a state law preventing employers from discriminating
against potential and current employees based on non-
work related activities. There are at least 21 states that
do have laws that protect smokers, including Colorado
and North Dakota, which ban discrimination based on
any form of legal, off-duty behavior.

When shopping for homeowners insurance, nonsmokers
can generally expect to receive a minimum 10%
discount, according to Ray Neumiller, an agent with
Farmer's Insurance in Seattle.

The insurer's point of view: Smokers burn down houses.

The most common homeowners insurance policies range
from approximately $290 to $900 per year, depending
on the home's location. With the discount, a non-
smoker would realize savings of at least $30, but most
likely more.

Benefits Unclaimed, Wages Lost

Few people set out to cut their life short, but smokers
greatly increase their chances of dying sooner than
nonsmokers. In his book, "The Price of Smoking," Frank
A. Sloan, director of the Center for Health Policy, Law
and Management at Duke University in Durham, N.C.,
details the financial impact of a shorter life span on
retirement benefits.

"Smokers, due to higher mortality rates, obtained lower
lifetime benefits compared to never smokers, even after
accounting for their smoking-related lower lifetime
contributions," the research says.

Sloan and his colleagues found the effects of smoking
on lifetime Social Security benefits were $1,519 for 24-
year-old female smokers and $6,549 for 24-year-old
male smokers. Essentially this is money paid into Social
Security but never collected because the beneficiary died
prematurely of a smoking-related illness.

"You could be paying into Social Security year after year,
and if you die at 66 because you're a smoker, it's money
down the drain," says Sloan.

Numerous studies find that smokers earn anywhere
from 4% to 11% less than nonsmokers. It's not just a
loss of productivity to smoke breaks and poorer health
that takes a financial toll, researchers theorize; smokers
are perceived to be less attractive and successful as well.

Keeping Up Appearances

Bad breath, yellow teeth and smelly clothes are just a
few of the personal side effects of smoking, and all cost
money to correct.

An extra pack of mints or gum a week adds up to about
$50 per year. Need your teeth whitened once a year?
Brite Smile, which has offices across the country, retails
its service for around $600. Most professional-grade
teeth whitening products retail for a minimum of $200.

Dry-cleaning bills are likely to be higher also. Clean that
suit one extra time a month at a cost of $12 and there
goes another $144.

It's too expensive to keep on smoking

You can't afford NOT to stop smoking
Yearly Costs
Pack of cigerrettes @4.40/pack a day
Increase in life insurance premiums per year
Increase in medical insurance premiums
Increase in homeowners insurance
Lower wages
Lower social security benefits because of
premature death
Loss of productivity
Money to correct bad breath, yellow teeth, smelly
Reduced sale of car
Reduced resale of home
Cleaning costs
Medical costs
Yearly Costs