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The secret to becoming debt free and living prospe
Dear friend,
I hope that this letter has reached you in time. I too have been
struggling with my debts. But now they are under control.
Furthermore I have helped hundreds of people get out of debt. My
most recent associate eliminated over $30,000 in consumer debt
within 18 months. The techniques outlined below will work if
followed. You may contact me at Compuserve 75371,3657 or AOL
JSmit35937. My number is (504)-393-5088, VoiceMail 504-593-
8074/593-1216, 1-800-484-1892 code 3932.
I recently use to charge people up to $100 for the techniques in
this system. But now I know that my financial problems are
coming rapidly to an end, I want to give back to other people.
It has been said that you can no out-give GOD. So therefore I
ask that you have me in accomplishing a GOAL. I want to help ONE
MILLION people become debt-free. please feel free to distribute
this to anyone who is in need. Thank you and my prayers are with
you as you move forward to remove the mountains of debt in your
life......
THE SECRET TO BECOMING DEBT-FREE AND LIVING PROSPEROUSLY
IS ABOUT TO BE REVEALED TO YOU
The Debt-Free Network
A DEBT-FREE AND PROSPEROUSLY LIVING STRATEGY
PART ONE: Who stole the American Dream?
What ever happened to the American Dream. It has been just a
dream for 96% of Americans. The government still reports that
only 5% of the public actually achieve financial freedom. First
of all, let's be honest with each other, there is only one
definition of " Financial Freedom": that is to be dependent on No
One. This is the goal of the Debt-Free Network is to help you be
completely independent financially of any job, any person and
certainly independent from any kind of government support .
This program is built on the premise that the ideal situation is
to have no bills and have a substantial income at the same time
without having to work for it. We want to help you achieve this
goal in as short a time as possible. We want you to get to a
situation such that you own your own home, your car(s), you have
no installment debts--and you have enough money investments that
you can live off the interest.
In order to achieve this goal, you have to follow a new strategy.
It is nearly impossible to reach this kind of freedom doing
things the way you have always been taught. You first need to
understand how you have been misled over the years, then you need
to design an efficient and sound strategy, to use the power of
money to get to your goal in the shortest time possible.
You will notice that as we go through these concepts that many of
them are completely counter to conventional wisdom. That is
because conventional wisdom is wrong. And it is generally wrong
because it is promoted by the businesses that profit greatly from
our doing what is good for them--not for us. These financial
gurus have most hard working Americans paying them thousands of
dollars, over the years, for services they do not really need.
If you are like most people then you will probably get angry when
you finish reading this book It will be like a great cloud being
lifted over your head and you will finally see for the first time
how this economy works is designed to make you work yourself into
exhaustion--simply to accumulate wealth for the companies you do
business with--NOT FOR YOU.
PART TWO: HOW TO BEAT THE SYSTEM
First we need to understand how the world's system is designed to
make you work yourself in exhaustion--simply to accumulate wealth
for the companies you do business with and not for you. The most
staggering of these examples is a home mortgage. Nearly two-
thirds of the amount you pay over a 30 year mortgage is for
interest. Interest is the profit of the mortgage company makes
for lending you the money to buy the house. A 75,000 home at 9%
interest would give you payments around $603.47 per month. At
the end of thirty years you would have paid over $217,248.11 to
the bank. In this example the interest earned by the bank was
$142,248.11. That's over 200% return. Something is wrong with
this picture. It is actually much worst than this. In order to
pay the bank that $142,248.11 you would have to work and earn
$197,566 because we have to pay taxes. It gets even worse when
you take in account the lost interest due to not having the money
gaining interest. If you had invested that interest in monthly
installments then you would have had a nest-egg of only $723,143.
THAT'S THREE-QUARTERS OF A MILLION DOLLARS!!!!!
Are the banks doing us such a tremendous favor that you should
wear yourself out for over three decades. IT'S YOUR MONEY. You
worked for it. It's not fair. You work for it. Yet they end up
with it. It's simple legal larceny. They are stealing your
wealth right from under you. Now, granted it is very difficult
for anyone to get a house without a loan. But it doesn't make
since to pay on a mortgage for over thirty years.
For the past 15 years this information has been out about pre-
paying your mortgage. And for fifteen years the banks have
misled the people into saying that it could not be paid off.
It's the same scam that the Credit Bureau's have run on people
for years. They know that they can't tell you the truth because
it would eliminate their profits. The solution is to put as much
cash down as possible and pay off the loan by using bi-weekly
equity acceleration to save hundreds of thousands of dollars
interest. I can't believe that people are still paying on thirty
year mortgages.
I am going to help you devise a strategy to stop the wealth
stealers, so that you can keep the maximum amount of wealth for
your family. You get to keep the majority of what you produce in
your hands. Why, the power of retaining and investing the money
that you waste on mortgage interest alone could make you a
millionaire. If you don't know how to use equity acceleration
then contact TSI Enterprises, Inc. and we will show you how.
Remember your banker is not going to tell you about this system.
If you have an accountant to tell you not to get rid of the
mortgage, " Because it's the last good tax shelter", GET A NEW
ACCOUNTANT. What he really is saying is to spend a dollar in
order to get 28 cents back on tax dollars.
Car Loans- Next to a home mortgage, the greatest form of legal
robbery is auto loans. Banks and finance companies now give you
up to five to seven years to pay off a car these days. The loan
is constructed just like a mortgage except the interest rate is
MUCH HIGHER. It's how they can get up to three times the price
of the car. Here are some basic rules about a car purchase.
Rule 1: Never buy a new car on conventional financing.
Rule 2: Buy a used car not more than two years old.
Rule 3: Make no financing arrangements over 36 months.
The best option is to buy a two year old car for cash. Remember
car loans are just another attempt to get at your wealth. The
average person will purchase about eight new cars in their
lifetime. At an average cost of nearly $10,000 a copy. If the
individual would buy a used car and put the proposed car payment
in the bank then he would have over $80,000 in the bank at the
end of purchasing the fourth car. That would be enough money to
buy a new car every five years without any more money out of his
pocket.
Insurance Policies--It has been said that in no other expense do
people spend so much money with so little understanding of the
value of what they're buying. That is absolutely true.
NEVER BUY ANY FORM OF LIFE INSURANCE THAT HAS CASH
ACCUMULATION. IT IS A RIP OFF.
I have been amazed at how many of the "RULES" or principles we
are taught which "ARE WRONG". And they are not just a little
wrong, they are dead wrong. They are deadly to our ever
achieving true financial independence.
There are two untrue "Truths" that I have found the most
difficult to break my own addiction to were the principles of
"Saving money a little at a time, as you go along through life'"
and "You need to develop and always protect a good credit
rating".
Emergency Fund-The conventional approach will tell you to save
10% of your income for the future or emergency. I'm sorry but
this won't work either. Most families are having a hard enough
time paying their bills and don't have anything left. Everyone
needs an emergency fund which would amount to six months income.
Let's assume a family has an income of $2000 a month for
expenses. An emergency fund would require a total of $12,000.
Savings limited to $100 a month. If you try to accumulate the
conventional way then it would take you about 10 years. But if
you pay off your debts first then you would only need about $500
a month for necessities. Remember no house note just food and
utilities. That would require a fund of only $3000 a month. And
since the bills are paid off then it could be established in only
two months. You should be able to have our emergency fund paid
established within five years vice two.
YOU NEED A GOOD CREDIT RATING
Believe it or not we are going to get to the point where you
won't care what your credit rating is, Because you won't need it.
You will hate credit, and you will never need assistance of a
lender again.
PART THREE: THE FINANCIAL FREEDOM STRATEGY
The strategy I am proposing is not based on assumptions or
generalities, but rather on pure mathematics and probability.
It's really straight forward and is found on the premise of
getting you out of debt in the shortest possible time.
The three major stages of this strategy are:
Step 1. Pay off all debt first.
Step 2. Operate strictly on a cash basis.
Step 3. Then focus all available cash on wealth building.
Most people who follow this strategy will be completely debt-free
in 4-6 years. How much different will your life be if you
continue on the course you're on now?
PAY OFF ALL DEBT FIRST
The system is fool proof...except for one thing and that's called
commitment. I cannot come over to your house and make you follow
the steps of the plan faithfully. And while implementing this
system won't be unbearable, it will be challenging. Only your
commitment will keep you on course. In order to give you that
motivation to keep on track you need to write out and define your
retirement lifestyle. You need to identify all the things that
you want out of life. And when the times get tough just pull out
this list and just keep charging to eliminate your debt trap.
This system uses what I called an Accelerator Factor of 10% of
your monthly income. If you make $2000 a month then that amount
is $200. This factor will be added to monthly payment of one
bill after another until they are paid off. Then you will take
the whole amount that used to be paying your bills and focus it
on your mortgage payment until your house is paid off. For most
people this will take about four to six years.
BILL PAYOFF STRATEGY
To determine which bills to pay off first by following these
steps. Now get a piece of paper and divide it into the five
following columns:
1 2 3 4 5
Creditor | Balance | Monthly | Division | Payoff
Payment Number Priority
Step 1. Write down each debt and place it in column 1 under
creditor. List every debt, DON'T LEAVE ANYTHING OUT!!!
Step 2. Write down the balance for each debt in column 2. Round
off numbers to the nearest whole number.
Step 3. Write down the corresponding monthly payment in column
3.
Step 4. Divide Column 2 by Column 3 and place the result in
column 4 under division payoff number.
Step 5. Review the numbers in column 4. Now create your priority
list and place a priority list number. The bill with the lowest
number in column 4 is the first one to be paid off. The one with
the largest number will be paid off last. Usually this number
will be your mortgage.
Step 6. Begin paying off the bills one by one. The key to this
system is the Accelerator Factor. If you are making $2,000 a
month then it will be $200 (10%). Just add this amount to the
first bill. When you complete paying off the first bill simply
add the total amount (Monthly payment of bill 1 +Accelerator
margin ($200 example) to the second bill and so on and so on
until all bills have been paid off.
Step 7. When all credit card/installment bills have been paid
off then apply the whole amount to your mortgage. DON'T BE
TEMPTED TO SPEND THE NEW FOUND MONEY!!!!!
If you are not yet buying a house then, you will use this first
step to eliminate all your debt and then you will put the total
of what you had been using each month to pay off your bills and
place it into a moderate to low risk mutual fund for a down
payment on a house. Then as soon as you get your new house you
start the process of paying your house off. Remember DON'T SAVE
ANY MONEY UNTIL ALL DEBT IS GONE!
In following this strategy, beware of the urge to cut off all
forms of fun completely. You will get frustrated and quit your
plan entirely.
OPERATE STRICTLY ON CASH
You will never need credit again! Within months of paying off
your debts, by investing what had been going to debt-elimination
payments, you will become your own banker...you own credit card
company, so you will never need credit again.
Credit Cards
Credit cards have been classified as an addictive drug because
they give instant gratification and long term pain at interest
rates better than 18%. You don't need them.. In fact the past
kept secret is the new debit card that looks like a Visa, works
like a Visa to stores and companies, but is really a check. When
it is used it comes directly out of your checking account. The
actual truth is that credit was never your friend. Yes, you
probably do need it to buy your first home. But even that could
be accomplished without credit if you had sufficient patience.
Credit does one thing: it takes more money away from you than the
actual value of the item that you purchased with it.
Just imagine that all your charge cards are paid off and you are
adding everything extra to pay off your mortgage. Then one day
your microwave breaks. Here is were most people pull out the
credit card, but you will just take the money you were going to
add to your mortgage and pay for it in cash.
Or what if your car dies. But you could hold off on your
investments for one month and just buy the car for cash. Or if
necessary just pull out a little of the investment account and
buy a better car for cash.
Let's go for broke. Let's get a new home. This is were most
people go to the bank for a new loan. But you sell your home and
keep 100% of the cash and add a little from your investment
account and buy your new home for cash.
THEN THE NEXT MONTH GO BACK TO PUTTING THE FULL AMOUNT INTO
INVESTMENTS AGAIN.
PART FOUR: BUILDING WEALTH
Once you have paid off all your debt, both credit accounts and
mortgages, you then want to take the same amount you were paying
for bills and focus that into wealth producing investments. We
would recommend a two stage program. First build up an emergency
fund equal to six months expenses. Second commit the remainder
into a balance portfolio of mutual funds. These can be stock
funds, bond funds or other types of investments that are managed
by professionals with proven track records.
This system does not require a bunch of extra money, but simply a
method of redirecting the money we were already bringing in, I
got excited. Here was a system that could not only get us out of
debt, but could make us rich-USING THE INCOME WE WERE ALREADY
MAKING. I felt for the first time like we really had a chance to
live out the kind of future we had hardly dared to dream about
before. And then I realized a benefit of the strategy was that I
WOULD NEVER NEED CREDIT AGAIN!!!
IT'S NOT A DREAM
It is a way of life that many people who are not up to their
necks in debt, and who are operating on cash, can live. In many
cases a person with cash can live better than a person with
credit.
PART FIVE: THE JERICHO STRATEGY
The key to this strategy is the use the Accelerator Factor. This
program was designed to allow you to get debt free without any
other resources. There are only two ways to get the accelerator
factor. The first way is to cut back. The second way is to
increase your income. The conventional approach is to use
dollars in order to get you out of your financial problems.
Remember it was the lack of money that got you into this problem.
The solution to our problems are not what can be first seen with
the natural eye. Remember the army of Israel brought down the
walls of Jericho not by the traditional conventional approach.
They walked around the city for seven days. The key is to use
the one resource that most of us waste on a daily basis. When we
were born into this world God intrusted us with many resources.
But out of all of those there is only one which has a limit on
it.
You can make a Million dollars this year and lose it all. But if
you have the knowledge you can make it back again. But when you
have spent the time reading this book, as well as the time that I
spent writing it. The time is expended forever. We can not get
it back. Time is the most valuable resources that we are given
and it continues to be wasted. The secret to the Jericho
Strategy is not the additional expenditures of resources but the
better allocation of those resources. I feel that for the most
part we have been teaching our children the wrong lessons about
life. They see us working hard all our lives and have nothing to
show for it. We have to be better stewards of all our resources
and not just time.
Remember that in order for the people to cross the Jordan River
and enter and conquer the promised land they had to follow one
plan. If eveybody did what they wanted then it would lead to
chaos. One plan that would meet the requirements of helping one
another cross over into the new life of no financial worries.
Let's take a look at a non-traditional approach. It's just a
matter of calculation to prove a point. Let's say that this
person (Age 45) owns a home ($55,000), has credit cards (7,000),
married with two kids, and owns two cars (13,000). He presently
earns $45,000 a year. Under the debt elimination strategy it
will take him seven years to become debt free. Then he would
have to apply this to his retirement fund.
CAN YOU RETIRE BEFORE YOU DIE??
Let's take a closer look at retirement to see if he will be able
to retire before he dies. Most people would agree that he would
need about $35,000 or 75% of his present income at retirement.
If inflation remains at only 3% then he would need $63,726 to
support that lifestyle due to inflation. That would require a
nest-egg of $1.2 Million Dollars based on receiving interest
income of 5% rate of return. In order to create this amount
then this person would have to save $2,159 a month in order to
retire at age 65. Now we can see the seriousness of the problem.
It's highly unlikely that this person is going to be able to
retire under the conventional approach. Most people are barely
able to save 10%. That required savings of $2,159 would require
nearly $2,800 before taxes. At an annual income of $45,000 that
would require him to save nearly 75% of his present take home.
By using the Financial Freedom strategy as described earlier he
will be able to retire at Age 60 since he would be debt free
within seven years. By applying the money that he use to pay on
bills to building his investment plan he will have created a
nestegg of $625,000 that will give him $3,000 a month. This
would be sufficient since his expenses are quite lower. But
their is another approach.
THE TIME INVESTMENT STRATEGY
To save $1600-$2000 a month is a lot of money to commit to a
plan. Additionally it takes a lot of hours to earn that kind of
money. Let's assume that the person earn $10.00 per hour. That
would mean that he would have to work 222 hours in order to save
$1600. If the money is not available due to a already tight
budget then he could possibly look for another job but that would
still require an extra 55 hours per week.
CONSUMER DIRECT MARKETING
A NEW APPROACH
Is there another way. I know that there is a better way. And it
won't take any more money than what you're already spending.
It's called consumer direct marketing or referral marketing. We
need to understand a different way of looking at our resources.
You see I looked at my situation and determined that it was no
way to work the other hours. It was hard enough keeping the
present jobs. The way I figured it was like this. I use to sale
cars for a living and every month I would wait on other people
like myself who couldn't afford or have the credit good enough to
get whacked over the head with double digit interest. So I would
spend three-four hours with these people and get paid absolutely
nothing. This was not a rare occasion but a frequent occasion
each and every month. I figured out that there were maybe 3000
people a month being turned down for credit for car purchases
alone. All of these people had one thing in common. they all
wanted cars and they all had bad credit. Suddenly I realized
that these people are constantly giving their money to the same
people who placed them in that situation. The bankers,
investment counselors, insurance men, business owners and some
clergy were always buying there cars with cash. But we simple
people could not join in with the status quo of the system. We
got beat over the head with credit the first go around and then
we continue to feed the system. We know that everyone who is in
business is to make a profit. But what about all the times that
I referred people to them and I never got a check. I realized
that I had not only continued to throw my money at these people,
but I also continued to give referral business to these people.
Well I decided enough was enough.
A LACK OF INCOME
I have been involved with counselling hundreds of people on
getting out of debt. The steps above will work if they are
followed and will bring amazing rapid results. But there was one
problem I kept running into when trying to help people get out of
debt. You guessed it. It was money. Most of the people were
already over-extended due to our amazing checks and balance
system. Did you know that car dealerships, furniture stores, and
other retail outlets routinely doctor up your credit application
in order to help you qualify for the loan!!! They help you.
They continue to lie for you all the time. The system says that
you should not be extended credit over 15-20% of your net take-
home. Yet the recent census shows that the average consumer debt
per family is 23%. That would mean that the credit system should
shut down but it doesn't. Isn't it stupid that our government
looks at how the economy is going by how much we allow ourselves
to spend more than we earn and get further into debt.
OK...so the problem is that most people who are in debt need
extra money to balance the books and stop robbing Peter to pay
Paul. There are no more hours in the day. And what about the
family. Our children spend more time watching TV and listening to
their friends than they do spending quality time with their
parents. There are more people out of church than in. And there
is a good reason for it. The church today has failed to provide
the much needed personal approach to today's economic and family
problems. CONSUMER DEBT HAS DAMAGED THE FAMILY FOUNDATION!!!!
Our pastors have lost touch with their ministries and have
settled for their careers. Enough is enough!! Let's get into
action. I have struggled long enough and I have decided to do
something different for my family. This is what I am doing:
_____________________________________________________________
I have determined to help One Million people become Debt-
Free.
I will teach my children the financial freedom strategy of
living a debt-free lifestyle.
I will provide an apprenticeship based home-school training
for my children.
I will take full responsibility for the education of my
children.
I will spend quality time with my son's each and every day.
____________________________________________________________ NOW
LET'S GET TO WORK TO LOOK AT A FINANCIAL MIRACLE!!!!!!
RESIDUAL INCOME
There are only four ways to make money. The first three ways we
know about are (1) to get a job, (2) to be your own boss (3) to
make money off investments. But there is a fourth way to make
money that only the wealthy people do. It's called residual
income. If you write a book and it becomes a best seller then
you get paid royalties or residual income. The actors of Star
Trek the tv series are receiving income from the re-runs of those
shows. Residual income comes from the result of a one time work.
You do the work one time and you get paid on it again and again.
Now of course you have to have something that will bring about
repeat business. The idea is to have it used up and ordered
again and again. Well I suddenly realized that all those people
who are being beaten up by the system are doing something else in
common. They use soap, shampoo, etc. They use basic consumables
everyday. What's the point.
Let me show you. I know a company that gives me a referral
income from people who buys from it's store. It's an easy
business to run out of your home. It's not network marketing,
multi-level marketing, or any pyramid get-rich quick scheme. It
requires no inventories, no collections, no delivery of products,
no employee payroll, and everyone deals directly through the
company. All you due is sign them up as a customer and then you
get paid. You also get paid when others in your organization
enroll customers. You can get paid on up to seven levels. But
why am I so excited about it.
This is why. In the example above I would need to save $1660 a
month for over 20 years to retire. When I enroll just one
customer for this company I receive a residual income of $29.00.
That might not seem very much at first. But guess how much you
would have to put in the bank today in order to generate $29.00
of interest? Would you believe $1,200. That's right. When I
enroll just one customer a month then it's the same as if I just
put $1200 in the bank. It get's better. Because the law of
numbers takes effect an it starts to grow, but not like the money
in the bank. By my third month with this company I had build up
the equivalent income that $19,200 in the bank would produce.
Now how long would it take me to save $19,200. I would have to
work 61 weeks in order to earn the money to put into the bank.
This is a miracle.
Now, I had tried other opportunities but I never really
understood. Well I have a system that makes it easy for anyone.
Mathematically speaking is that 80% of the people I enroll will
only be customers. But 20% will be marketing executives. The
key is how to get customers easy and how to keep them. This is a
subject that takes more time than this book allows. But I do
have a system that is a recruiting machine. My new executives
never have to sell anyone face to face. They never contact
anyone unless they want to. They are required to make a contact
list and I have a computerized system that does all the marketing
and sales for my complete organization. Does it work. Well, I
know that it's impossible for me to work and save the
conventional way. I know that for every dollar I spend on
consumables that 49% of my money goes to help seven other
families get out of debt. It may not be for everybody. But I do
have a system that is working for me and it can work for you.
HOW TO GET A 275% RETURN ON INVESTMENT
How much of a return can you get from your local bank? How much
can you get from your broker or your best stock investment? Well
none of the conventional strategies will come close to what I can
do with Consumer Direct Marketing. How is it possible to get
such a return. It can only be accomplished in your own business.
Melaleuca is so confident about their products that they
practically lose money on every career package that is sold. It
is a special package of products that you can only buy during the
first 60 days. I use to wonder how they could do this. The
price is reduced to save the new marketing executive $100 off the
wholesale price and then they pay the marketing executive a
bonus. Why would they lose money. They don't look at the short
term they look at the long term approach to their business. They
realize that anyone who purchases a career pack and places these
products in their home will become a customer for life. Well I'm
not a major corporation but I can use the same technique.
LOOK AT THE NUMBERS.....
Phase 1
Purchase your kit plus $100 products for demos.
Purchase 20 customer kits at $32 each.
Total investment $740
Phase 2
Make presentations and give away free the customer kit in
return for signing on as a preferred customer.
Phase 3
You will earn 25% on their first monthly order and 20% on
subsequent orders. Based on a average minimum order of 30 base
points per customer.( It's required and is automatic due to a
backup order requisition), the following numbers apply.
20 x 30= 600 X 20%=$120 monthly income
1st year return on investment $1440
less investment 740
_____
$700
2nd year return on investment $1440
Total 2 year cash return $2140
WOW...275% Return
And NO RISK...why first of all I can't lose with the kit. If
they wish to drop out for some reason the kit can be reassigned
to someone else by getting a new number from the compnay. I
would just simply find another customer and keep the kit in
circulation. Does it work well yes it does. It works so well
that I am willing to drop ship you a business kit for free after
I receive your completed application.(SEE MORE BELOW)
Remember that the key to using this strategy is based on an
accelerator factor of 10% of your income. You don't have to make
thousands of dollars a month in order to become financially free.
You only need the extra $200 to $300 a month coming in
consistently. I can help you get this amount. Plus I know that
when I spend my dollars for basic consumables the profits are
going to seven other families who are also getting out of debt.
Every month we open up our mailboxes to get this little check to
pay off our debts. This is what I call the DEBT-FREE Network.
It's people helping other people become free. I want to help
other people become debt-free. That's why I'm sending this
document out for free. You are free to give it to anyone else.
Let's get a hold of ourselves and become totally free.
REMEMBER IF YOU CONTINUE TO THINK THE WAY YOU'VE ALWAYS THOUGH
YOU'LL CONTINUE TO GET WHAT YOU'VE ALWAYS GOT. WE BOTH KNOW THAT
IT'S NOT ENOUGH. THE CHOICE IS UP TO YOU?
I hope that the information provided can be of help. God Bless
you and good luck. To get more information please call my 24 hour
hotline at 504-393-5088 or 1-800-484-1892 code 3932 and get your
FREE business kit today.
If your would like to get more information about this unique
system please E-mail me and ask for "UMETS"...
CIS 75371,3657...AOL JSmit35937
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