Hi'ya,

It's 101 degrees here in New England today. But I wasn't
referring to air conditioning. I'm checking to see if you
are an Affiliate Classroom member?

If so, I wanted to let you know that their system update
is now complete. Log in to see the awesome upgrades!

*** If you have NOT been in the classroom yet, please do
not delete this message. I want to give you a peek inside.

While most training programs have a BIG bang launch,
make a bundle for the owner and are dead in months,
Affiliate Classroom has been around for well over 2 years.
They are now industry-wide recognized as a premium
affiliate training center.

----------------------------------------
AVERAGE STUDENT SAW
11-40% INCREASE...
----------------------------------------

Talk about results, actually over 50% of the students
reported seeing an increase in their business of over 23%!

>From newbie to expert marketers...

As if it was not enough, Affiliate Classroom just announced
a completely new training center! They took the last 2 years
of experience and have revamped their entire training.

  > Made the step by step EVEN simpler
  > Added free tools...
     - Keyword research is one of them
  > New interviews, case studies & more!

The best part is the SUPPORT that Affiliate Classroom has
come to provide it's students. It's absolutely un-heard of.

They now have a team of over 10 people dedicated solely
to helping their AC students build their business.

So if you are one of the hundreds of members who joined
on my recommendation, log in today and try the new tools.
If you are NOT a member, then...

----------------------------------------
DON'T DRINK COFFEE TODAY...
----------------------------------------

What's that? Is Johnlosing his mind?

Nope. I most certainly am as sane as ever. My point is simply
that Affiliate Classroom doesn't charge you a crazy fee to use
their training and participate in their 24/7 community - all
Affiliate Classroom asks for you to get started is $1.

So, today, skip your coffee or soda and invest in the training
that over the last 2 years is helping their students increase
their business by 11-40%!

If nothing else, just go read the types of results they've produced
(this really proves that ANYONE CAN make it online - with the
right training)!

Oh, and watch the video for a peek inside the classroom...

http://www.amclassroom.com/cmd.php?af=619257
<a href=http://www.amclassroom.com/cmd.php?af=619257'>Get It</a>

See you there!

To your success,
Dr. John Herrington
http://www.ProfitWorld.com


---



ProfitWorld.com

1107 Canyon
Plainview, TX
79072

The Most Controversial Wealth Building System Has Been Exposed; Bob
Williams and Brian Garvin Are Under Investigation

Founders of Robo Riches lost $576,000 and live to tell all. And now
that it's out, they are being investigated by many of the greatest
marketers on the net.

Houston, TX (PRWEB) November 10, 2005 -- Bob Williams and Brian
Garvin come out of retirement to show a few how they've accumulated
wealth in months not years. Just one of the steps has created
hundreds of millionaires - and it has nothing to do with MLM, chain
letters, no money down real estate, or gifting schemes, which run
rampant on the Internet.

"People are under the Internet Ether if they believe a person can go
to bed broke tonight and wakeup tomorrow wealthy," says Bob Williams,
CEO of Robo Riches. But he goes on to say, "Many of the companies and
self-proclaimed gurus prey on peoples desperation to get their money
and leave them in a worse position then when they started."

Brian Garvin is a household name on the Internet. He has developed
some of most popular software that is currently used by tens of
thousands daily. Over the years he has been considered one of the
elite marketers and top producers that has made him a documented
millionaire.

Bob Williams came to the Internet five years ago out of desperation.
He lost everything in a failed venture capital business and found
himself over $465,000 in debt. Shortly, he realized the full power of
the net that has brought him over $1 million. Together, they have
brought some of the most sought after marketing systems available
today.

Over the past two years, they have mastered a system that has created
more wealth and prosperity than anything they've done in the past.
But they kept it under wraps until now. "One of the reasons we
decided to bring Robo Riches to some of our subscribers is to allow
them the same successes that we've enjoyed over the past 24 months,"
says Brian Garvin.

The information found in Robo Riches is not for everyone. Some of the
techniques used go against traditional thinking. But then again,
traditional thinking probably put us in the financial position we're
in today. Robo Riches shows individuals exactly how to eliminate
their debt, create excellent credit and retire in 24 months or less.

You can tell they really don't care who purchases or not. In fact,
they state as much. The reality is, they make so much money utilizing
what's in Robo Riches that they don't need the measly $97 that it
cost for the material. They plan on taking it underground very soon
so that it doesn't get too big. They said, "We don't need the extra
attention nor do we want to put our partners under the spotlight."

They are human and aren't afraid to admit their mistakes…costly
one's.

The glaring difference between Robo Riches and all the other e-
books/programs is that they outline exactly what they've done and
document it. Then they have the "Million Dollar Alerts" which they
send to their subscribers with new wealth building investments that
they are currently raking huge profits in. This is worth 10 times the
$97 cost alone.

"I really appreciate your honesty in revealing so much about your own
personal financial situations, and I can tell this information has
come straight from the heart The best part about this program that it
focuses on passive income streams which everyone can succeed with,
even those without any online marketing experience. RoboRiches is
going to help so many people make money online that I can't wait to
start promoting it!" says Tony Bhauchu.

Once they have reached a certain amount of subscribers, Robo Riches
will be taken off the net and become private only.

For more information on how to "Earn not $100,000 per year, but Rake
in $100,000 Monthly" go to http://www.ProfitWorld.com/roboriches

Hi my fellow entrepreneur,


I'm so excited I can hardly type...



If you want to make massive amounts of cash on complete

autopilot without your own list, website or product - then

this 'secret weapon' from my friend Ewen Chia will shock

and thrill you:



http://www.profitworld.com/secretaffiliate


Ewen has created a revolutionary *turnkey* system that

puts truckloads of money into your bank account instantly

without you lifting a finger!



I know it sounds like hype but it's not - this has to be the

easiest way for the ordinary guys to make real money for

once...check it out yourself while it's still available!



http://www.profitworld.com/secretaffiliate



Respectfully,


John "Dr. DebtFree" Herrington


PS. This is not some mumbo jumbo stuff, it's much more

powerful and simple than that...and when you see the site

for yourself - I guarantee you'll be as excited as I'm!



http://www.profitworld.com/secretaffiliate

This HAS TO BE the most PROLIFIC, PROFITABLE, yet SIMPLE trading
system ever...

60 Minute Trader™ is a unique, original system and is now being
offered for the very first time allowing everyday people to BEAT
THE PROFESSIONAL TRADERS!

http://www.profitworld.com/moneytrader

UNDISPUTABLE FACT: This amazing system WILL make money when
markets go UP, BUT will make it even faster when they go DOWN!

A trading system that will make money for YOU at least 75 times
out of every 100

http://www.profitworld.com/moneytrader

- At last a trading system that WORKS!!!

- A system with EXACT entry and exit points

- A system that anybody can easily learn

- A trading system that is suitable for anyone - EVEN IF YOU
DON'T NORMALLY TRADE!

- A trading system for all nationalities

If you already trade stocks, futures, CFD's, spread bet, even if
you have never traded before, then you simply cannot be without
60 Minute Trader™.60 Minute Trader™ is a totally comprehensive
and detailed day trading system; a complete A to Z, yet is one of
the most ludicrously simple trading systems available... the
in-depth knowledge contained within will give you confidence and
enhance your profitability. Our research has shown that people
look for two main things from a trading system.

Firstly, they want to spend as little time trading as possible,
this is where 60 Minute Trader™ comes in. As the name suggests we
only trade the first hour of the US open and most days the
winning trades are completed in just a few minutes.

Secondly, people want to take the guesswork out trading. Most
systems currently available do not give you this. 60 Minute
Trader™ does with EXACT entry and exit points.

Question: If I could show you a method that wins at least 75
times out of every 100 trades, could you make money?

Of course you could!

http://www.profitworld.com/moneytrader

And you can learn more and purchase this comprehensive yet simple
to follow trading system using the link here:

http://www.profitworld.com/moneytrader

Regards
Dr. John Herrington

http://www.profitworld.com/moneytrader

"D E B T I N A T O R "
(from your friends at Debt Free Strategies Ezine)

"Techniques and/or opportunities that will immediately
accelerate your income and put your debtfree system on
the fast track."

As you know, periodically we come across items that will
immediately impact your debtfree and wealth-building system.
We feel an obligation to research these and present them
to you as an added benefit for our Debt Free Strategies
subscribers.
======================================================

Hello my fellow DebtFree Strategies Subscriber,

It's not often that I am surprised by something I see
online. And it's even more rare that I stumble upon a
book or resource that causes me to literally stop what
I am doing and write a letter to everyone I know.

But I just discovered that Howard L Moreland --
probably one of the best-known and most well-respected
experts on the subject of web-building and Internet
marketing -- has just released all the details & secret
source tools that allow him to make as much as $500,000
a year from a single website -- "automatically" -- and
how he's able to create such sites starting from
scratch, and all within just a few short hours!

   >>  *Often building 10 to 15 such sites in just weeks
        – making Howard $*millions*$!

The truth is, I still can't figure out exactly WHY
Howard has made this information available, since it
gives everyone -- including his competitors -- the
chance to steal the secrets he's spent the last several
years perfecting -- particularly the last 2 most of
all!

He shows you everything from growing a super-profitable
web-empire as quickly as possible, to generating the
highest possible revenue from having several sites
working for you "automatically" at once, to how to
explode your business virtually overnight -- all with
mostly free (yet very effective) tools and resources --
and even FREE ads, both online and off! ...

He also provides you over 200 million places to
advertise profitably for FREE, and for any site you
create!! -- All instantly accessible to you with
instant online links which makes placing all your ads
for free "easy & fun"...

His years of testing are going to completely eliminate
all of YOUR guesswork!

The thing is, the Internet industry HAS changed
dramatically over the past few years. And while company
after company has gone out of business just trying to
keep up with all these changes, Howard has continued to
generate over $3.7 million every year with what he's
just giving away to you now for next to nothing!

And this book and super-resource shows you step-by-step
what Howard has already done and continues to do, and
precisely how he does it so you can take his strategies
and model them to create your own super-online success.

Plus, with over 200 million places to promote your
site, and an additional 15,000+ instant links, I was
especially impressed by the way Howard's book is unlike
any other as you can use it to start making money off
the Internet literally within just 5 short minutes of
having opened it up -- and tested -- all the resources
and links for your very own instant use, and your own
business.

I still think that Howard's going to regret giving all
this information away, so I would advise you to grab
this book while you can! It really does provide you
everything you need to do in order to grow your
business successfully and explosively with the Internet
– plus over 200 million free ads instantly. Find out
more at:

http://tinyurl.com/89lpr

All the best...

Dr. John Scott Herrington

$ $ $ D E B T F R E E S R T A T E G I E S E Z I N E $ $ $
July 2005

Tips and Strategies on reducing debt and accelerating income
growth, guiding the subscriber to true financial freedom.

Dr. John Scott Herrington, editor

"Our goal, with each issue, is to give you a strategy or tip
that will save/make you money immediately, allowing you to
accelerate your income, reduce debt, and spend more time with
those you love."

(By subscription only. Unsubscribe information at bottom.)

>> Please Support Our Sponsors <<

==============================================================
For most people, the idea of calling a lawyer before signing a
contract or making an important decision just isn't an option --
either because we think we don't need one or because it would
simply cost too much. Well Not Any More!!
http://www.debteliminators.com
==============================================================

**Please pass this ezine on to others you feel may benefit**.

>DFS C O N T E N T S

1) DFStrategies - "Keeping Up with the Smith Family"
2) Debtinators - 7 Strategies for Income Acceleration
3) Feature Article - "But I Don't Have Any Debt." (Wake UP!)
4) Time is Money - "Prioritizing Power"

>DFS S T R A T E G I E S

Keeping Up with the Smith Family
by Doris Dobkins

Have you heard the following quote? "No wonder it's so hard to
save money, the neighbors are always buying things we can't
afford."

That may sound like a joke, but for many of us it is sadly true.
To become truly financially independent, one of the first and
most important steps is understanding that DISPLAYING A HIGH
SOCIAL STATUS IS NOT IMPORTANT. Recognizing where you've
stumbled into pitfalls in your own financial situation is
crucial. As one of our readers mentioned last week, "If you
can't pay your bills off each month, you're living above your
means."

Before any of us can focus on a real and workable solution to
our financial woes, we must first identify our life's goals.
That may sound like an odd place to start, but half the work of
achieving anything is identifying a goal and then creating a
plan to get there. Everyone has different goals. For example,
do you want to spend all your money on the "good life" now or
do you want to think long-term and provide for a financially
secure future?

Here's a starting point to help you identify your goals! Answer
the following questions:

Why do you work? Why do you get up everyday, dress and do the
same commute to the same place? Do you enjoy working? Does
working make you happy? Is there something else you'd rather
be doing? It's important to like what you're doing. Did you
know that most financially successful and independent people
love working? Well, it's true. In most cases, they love their
work and their career. They're not working to support
out-of-control spending habits, but rather to achieve or
maintain their financial independence.

It's very easy to get caught up in the high-consumption
lifestyle. I know this first hand because I struggle with it on
a regular basis. If your goal is to be debt free, to retire
early, to travel, or just take it easy, copying the
high-consumption lifestyle of the Smith family will be a threat
to a simple and financially efficient lifestyle.

Here's how that works: The Smith's buy, buy, buy . . . and they
generally charge their toys. That means they're paying
month-by-month for the privilege of having their toys now, and
they're probably paying exorbitant amounts in interest on their
charges, which often multiplies the cost of those items by as
much as five times by the time they get them paid off. With all
that money going out in monthly payments and interest, they're
probably not saving any money --- jeopardizing their financial
security in the future. In essence, they're living a borrowed
lifestyle! Is that really what you want your life to become?

Let the Smith family have their expensive toys. Having too many
status symbols in your life can become a burden, and even an
obstruction to achieving your real goals -- goals which only
you can define.

Remember . . . SIMPLE IS GOOD!

(Doris Dobkins is the Money Saving Expert Author of "Financial
Freedom A-Z Home Study Course" and publisher of the free weekly
ezine $mart Money New$. )

>D E B T I N A T O R S -7 Strategies for Income Acceleration
(Saving your hard-earned money!)

1. HOME MAINTENANCE AND REPAIR.
Buy energy efficient light bulbs and appliances with high
Energy Efficiency Rations. After all, the less energy you use,
the more money you save. The savings won't be noticeable in a
day or a week, but over a lifetime the extra change in your
pocket will prove quite formidable. When it comes down to it,
there's no reason not to do it.

2. FOOD.
Hey, it's okay to use that half-price coupon. Just because you
present a coupon at the restaurant doesn't mean you're a
cheapskate and should be banished to a lifetime of "Happy
Meals" at McDonald;s. Skipping appetizers will save you a ton,
and cutting out colas and desserts from your orders will save a
family of four from 10 to 15 dollars.

3. CLOTHES.
Imperfection is good! Remember, irregular and imperfect
doesn't mean strange and harmful to the eyes. Oftentimes these
items, which are about half as expensive as their more regular
or perfect brethren, have only a stitch or two out of place.

4. AUTOMOBILE.
Don't Do It! When buying a used car, never accept a financing
package of longer than 36 months. Any longer and you'll always
owe more than the vehicle's worth. Like any other debt, you
should focus all your resources on payong off your car loan as
quickly as possible to avoid unnecessary interest payment.
(And if you stick to our debt freedom plan, you can pay cash
for the car!)

5. ENTERTAINMENT.
Think about it -- Library = FREE! The argument that they never
have the book you want can be forwarded only be the lazy. With
interlibrary loans you can get just about anything under th
sun. In addition to reading material, you can check out the
intstructional and education videos, movies, audio tapes, and
even CDs, an it probably won't cost you a dime.

6. YOUR HOME.
Don't buy that Beverly Hills mansion. Immaculate mansions don't
appreciate very much, simply because there's not much more that
can be done with them. It's better to buy a house which is
nice, but not extravagant, and work to give it your own
personality. And let more expensive homes around you pull your
house's value up, rather than the other way around.

7. FINANCIAL MATTERS
Bypass the middle man. Use direct deposit for payroll checks.
It'll aid you in resisting the urge to spend by keeping large
chunks of money out of your hands. Most investment companies
also offer the same service to their clients, making it easy
for an investor to devote a specific percentage of his or her
income consistently to specified investments.


> F E A T U R E  A R T I C L E

"How We've Been Misled."
(An excerpt from The Debt-FREE & Prosperous Living® Basic Course
by John Cummuta

. . . The entire way our economy works is designed to make you
work yourself to exhaustion -- simply to accumulate wealth for
the companies you do business with -- NOT FOR YOU. The most
staggering example of this is a home mortgage. If you buy a home
with a 30-year conventional or adjustable rate mortgage, you
will pay for that loan about THREE TIMES. Just multiply your
monthly payment times 360 months and you'll see that the total
you'll pay the mortgage company or bank is about three times the
amount you borrowed from them.

That means that two-thirds of the total amount you'll pay your
mortgage lender is INTEREST. Interest is the profit the mortgage
company makes for lending you the money to buy the house, and
they obviously feel you should pay them 200 percent interest!

Let's put some real numbers to this.

If you buy a $250,000 home, with a $200,000 mortgage, you'll end
up paying about $600,000 over 30 years. THIS MEANS THAT YOU'LL
PAY NEARLY A HALF MILLION DOLLARS IN INTEREST!

That means you'll have to work . . . week after week . . . year
after year . . . to earn a HALF MILLION DOLLARS or more . . . so
you can net FOUR HUNDRED THOUSAND DOLLARS after you pay income
taxes -- just so you can give it to the bank to make them rich!
Ask yourself -- do they deserve a half million dollars of your
hard-earned wealth more than you do? Are they doing you such a
tremendous favor that you should wear yourself out, over three
decades, to generate nearly a half million dollars to add to
their wealth?

That's YOUR MONEY. You work for it. You pay taxes on it. Yet
they end up with it. It's not fair, and I'm dedicated to helping
you turn the tide of your wealth-building power to YOUR benefit
instead of theirs . . . the power of retaining and investing the
money you waste on mortgage interest alone could change your
life completely.

Just think about that four hundred thousand dollars. If you had
it parked in mutual funds that averaged just 10 percent return
per year, you could enjoy a $40,000-a-year retirement income
WITHOUT EVER TOUCHING THE PRINCIPAL! You would never have to
work again, and the exciting thing is we're not even talking
about your having to make any extra money to make this happen
for you. This four hundred thousand (or whatever it works out to
for you) is money you're going to earn anyway. We're just giving
you control of who ends up with it: you or them.

>T I M E I S M O N E Y

Prioritizing Power

By Dr. Donald E. Wetmore

I recommend taking time each evening to do Daily Planning for the
next day. Prepare a list of all the things you "Have To" do, but,
more importantly, the things you "Want To" do. This begins the
process of taking control of the most precious resource at your
command, the next twenty-four hours.

If you were to review that list, it is likely you would find some
items
are "Crucial" while others are, well, "Not Crucial." The Crucial
items give you the best use of your time, but often we get caught
up in the Not Crucial items because they are typically quicker
and maybe a bit easier to complete than the Crucial items.
We need Prioritizing Power, a tool to help us to get over to the
Crucial side of our daily ledger.

I have that tool for you through our Prioritizing System:

A = Crucial
B = Important
C = Little Value
D = No Value
* = Quickie

"A" is for the Crucial items on your list and you are the only
one who can determine whether something is Crucial or not. Now
you will determine that in light of your commitments and
responsibilities to others but also in light of your long-term
goals and "Want To's". (It ought to be our goal each and every
day to work our "A's" off.)

"B" means Important. If you had a choice between an "A" and a "B",
obviously, you would want to work on the "A". (You may find you
have two "B's" or not two "B's"; that is the question.)

"C" means Little Value. Chances are you will not get to your "C's"
today but that is fine because everything else will have a
higher value.

"D" means No Value. What do you do if you find you have a "D" on
your list? Get rid of it because by definition it has no value. If
you have not been through this process before of writing
everything down that you "Have To" and "Want To" do, no doubt
you will find you have been carrying around some "D's" in your
head and it is a welcome relief to scratch them off your list.

Finally, the "*" is for a Quickie item. Any item that takes less
than a minute or two to complete ought to be identified as a
Quickie because in the time it would take to figure out its
priority, you could have it done. I typically have a handful of
Quickie items each day and I complete them first to give my day
a jump-start.

To further refine your focus, go back to each category of items
and sub-prioritize each using the numeric system. For example,
let's say I have five "A" items to accomplish on my To Do list. I
cannot do them all at the same time but I can do them one at a
time. I will look then at all five and ask, "If I could work on
only one "A" item today, which one would it be?" That item
becomes my "A-1". Then if I have time to work on an additional
item, which item would I do? That item becomes my "A-2".
Continue sub-prioritizing the "A's" and then apply the same
technique to the "B's" and the "C's" creating a prioritized action
list of all the things you "Have To" do and "Want To" do, listed
in the order of their importance helping to keep your focus on
the most important items in your day thereby increasing your
productivity.

What about the other blocks to our personal productivity? I
found five of them to avoid. Get your free copy now of our short
article, "The Blocks to Employees' Productivity". Email your
request now for "blocks" to: ctsem@...

Would you like to receive free Timely Time Management Tips on a
regular basis to increase your personal productivity and get
more out of every day? Sign up now for your free "TIMELY TIME
MANAGEMENT TIPS". Just go to:
http://www.topica.com/lists/timemanagement and select
"subscribe". We welcome you to our list!

Dr. Donald E. Wetmore
Professional Speaker
Productivity Institute
Time Management Seminars
60 Huntington St., P.O. Box 2126
Shelton, CT 06484
(800) 969-3773(203) 929-9902
Fax: (203) 929-8151
Email: ctsem@...
Visit Our Time Management Supersite: http://www.balancetime.com

==============================================================
For most people, the idea of calling a lawyer before signing a
contract or making an important decision just isn't an option --
either because we think we don't need one or because it would
simply cost too much. Well Not Any More!!
http://www.debteliminators.com
==============================================================

$ $ $ D E B T F R E E S T A T E G I E S E Z I N E $ $ $
June 2005

Tips and Strategies on reducing debt and accelerating income
growth, guiding the subscriber to true financial freedom.

Dr. John Scott Herrington, editor

"Our goal, with each issue, is to give you a strategy or tip
that will save/make you money immediately, allowing you to
accelerate your income, reduce debt, and spend more time with
those you love."

(By subscription only. Unsubscribe information at bottom.)

**Please pass this ezine on to others you feel may benefit**.

>DFS C O N T E N T S

1) DFS Strategies - "Summer Fun and Debt Elimination"
2) Debtinators - 7 Strategies for Income Acceleration
3) Feature Article - "But I Don't Have Any Debt." (Wake UP!)
4) Time is Money - "Three Steps for Positive Goal-Setting"

>DFS S T R A T E G I E S

SUMMER FUN AND DEBT ELIMINATION
by Anthony Manganiello

Well summer is finally underway. This is a time of year that
you begin to spend a lot of time outdoors. And while it's
exciting to have more hours of sunlight and more opportunitites
to get out of the house...you need to keep some things in mind.
Typically, when you're out of the house you have a tendency to
spend more money. That stop at the ice cream stand or that trip
to the ball game. I know from personal experience that in the
summer months I tend to carry more cash around with me than
during the winter months. When there's snow on the ground, and
on the streets, I have less desire to be anywhere but home in
contrast to when the sun is shining and I don't need a coat. And
the more I'm out of the house, the more money I spend. While
your debt elimination system is NOT an austerity program, it
does require discipline. with that in mind...here are a few
suggestions.

1. Plan For Recreation. Satisfy the temptation to enjoy the
summer months by planning little jaunts ahead of time. Take a
look at the calendar and pick some things you would like do. I
find that this gives my family something to look forward to and
thereby makes it easier to endure the time periods between
activities.

2. Take Advantage of Nature. I spend a lot fo time with my
kids at the parks in my neighborhood. It's fascinating that,
when it comes to children, it's not the money you spend "on
them"-- it's the time you spend "with them." It doesn't
cost a penny to go to a public park and this is where we
have a lot of fun.

3. What About Vacations? If you're planning on taking a
vacation this year, plan wisely. Take advantage of the
competition over your travel dollar created by the dot com
companies. If you're planning on flying, check out
www.travelocity.com or www.lowestfare.com for good rates on
airfare. You can look into www.priceline.com but be prepared to
have limited options regarding the time of day you plan on
traveling. Priceline.com gives you the ability to bid for price
of your plane tickets, but they tell you what time of the day
you're flying. This can be difficult if you have small children
who are on a schedule. Furthermore, with Priceline.com you have
to provide a credit card number (and you know how we feel about
credit cards) at the time you enter your bid. This means that
if they meet the limited criteria you've entered, you're stuck
with those tickets. Even if you're flying out at 6:00 AM.

4. Don't Forget Your Reward Program. If you have instilled a
reward program in your debt free system, as suggested, you can
pick a time to use your Accelerator Margin to reward yourself
instead of paying down debt. Let's say you have an Accelerator
Margin of $600. As a reward for reaching one of your debt
elimination milestones, take that money and use it to fund your
vacation. This means you vacation is paid for in cash and you
won't be faced with the grim reality of paying interest on
airfare and hotel rooms. It may take a few months to fund your
vacation this way, wut I guarantee that it feels better to pay
cash!

We want to help you keep focused on the light at the end of the
tunnel. That's the day when all your debt has been eliminated
and the money spent each and every month to make debt service
payments is yours to keep. For many people the end of the
tunnel means as much as a one hundred percent increase in net
monthly income.


>D E B T I N A T O R S -7 Strategies for Income Acceleration
(Saving your hard-earned money!)

1. HOME MAINTENANCE AND REPAIR.
Do It Yourself. Do the simple things around the house such as
painting, scraping, and cleaning maintenance. For example, 80
to 85 per cent of a house painter's cost is labor. Your local
library has plenty of home maintenance books that can answer
any question you may have.

2. FOOD.
How 'bout that good ole' home cookin'!! That's right, eat at
home. It's ok to treat yourself with a meal out periodically
(or as a reward for sticking to your debt elimination plan),
but don't let the local McDonald's or restaurant be your main
meal source. It's much cheaper to cook your own meals AND much
better for you. Besides, it's a great time to get the family
together to talk.

3. CLOTHES.
When is the best time to buy a winter coat? Not during October
and November. Now is the best time to buy a winter coat. The
selection may not be the best, but if you find something you
like, it is likely to be MUCH cheaper now than when old man
winter has already set up shop. Buy out of season.


4. AUTOMOBILE.
Never, EVER ... EVER buy a new car. Two years up the road it
will be worth little more (or less) than half its original
cost. Buy a two year old car. The car will still be in
excellent condition and problems will most likely have been
identified and fixed. However... be sure to have your friendly,
trustworthy local mechanic check out a pre-owned car before you
buy. And buy from someone you know and can rely on.

5. ENTERTAINMENT.
Don't pay 6 or 7 dollars (or more) to go to the movies. If you
must have that movie experience, go to the matinee where it
could be as much as 50 per cent cheaper. Better yet, rent a
movie! It will only cost you about 3 bucks (or less). Add a
bowl of popcorn (at just a few cents rather than a few dollars)
and you can have a nice evening with those you love and save 20
bucks.

6. YOUR HOME.
Pay off your mortgage as quickly as possible. Why? Over 30
years, you are going to pay twice as much in interest as you
are for the original cost of your home. Talk about money in
THEIR pockets! And forget this argument that it is a good tax
deduction. Since when is it better to pay a dollar to get 28
cents back! (I'll gladly give you 28 cents for your dollar.)

7. FINANCIAL MATTERS
Where does all that money go?! Well, there's one way to find
out. Carry around a notebook and pen and keep track of the cash
you spend. It may seem like a pain, but ask yourself just how
willing are you to cut back on your expenses to eliminate your
debt completely. Try it for two weeks. You'll have a better
grasp of where your money is going and how you can cut back in
some areas you hadn't considered. You will be surprised.


>F E A T U R E A R T I C L E

"But I Don't Have Any Debt." (Wake UP!)
by R. David Williams

When I speak with people about true financial independence, one
of the very first statements I hear is, "but I don't have any
debt." The media, Madison Avenue, and financial institutions
all across our country have convincedus that having a mortgage,
car payment, and now home equity loans, are all just normal
every day expenses. Sure, eeryone realizes that credit card debt
is the "bad debt," but they also believe those other items are
a necessity.

In January of 1999, my wife and I had just refinanced our
mortgage for 30 years at the incredibly low rate of 6.75 per
cent. As a graduate of one of the top ten business schools in
the country with a degree in finance, I was proud of the fact
that I only had a mortgage and was leveraging my debt to it's
fullest to take advantage of the mortgage tax credits and to
free up my capital for better investment opportunities.
However, I read something that started me on a journey that has
changed my life forever. You see, I had never thought about the
possibility of eliminating my mortgage (in five to seven years)
and opening up a whole new world of opportunity.

My wife and I began our debt free system in April of 1999 and
the expected results were incredible. We are going to save in
excess of $163,000 and our morgage will be paid off by May,
2005. Our projections for investments are over 2.8 million
dollars in the same period of time that we would have been
paying on our mortgage. Now when I did the calculations and
compared the expected capital appreciation on the accelerator
margin vs. paying off my debt first and then investing, the end
results were almost identical. But here is where I really
benefit. In 6 years my personal net worth would be almost
$150,000 more than if I followed the traditional model. You see,
the capital acquired through traditional investing would be only
slightly more than the remaining mortgage balance on our home.
This is what I call true financial independence. In less than 5
years I will be completely debt free and able to pursue any
lifestyle that I want, because I will have significant net worth
and no debt obligations.

Mortgage payments, for most people, are a fact of life, but
make no mistake about it -- this is real debt and the kind of
debt that could have the most significant impact on your life!


>T I M E I S M O N E Y

Three Steps for Positive Goal Setting

By: Dr. Donald E. Wetmore

As I conduct my Time Management Seminars all over, my
audiences consistently tell me they want more out of life.
Almost everyone I speak with has a yearning for improving
several aspects of their lives. They have dreams and goals
about their future as yet unrealized.

Many come to the end in life with those visions unrealized,
pictures in their minds only.

Achieving goals helps us to get the "want to's in our lives.
Life ought to be more than just achieving the "have to's".

I offer three important tips to help increase the
probability of achieving your dreams, getting more of what
you want in your life.

1. Put your goals into writing. There is something powerful
about writing out what you want, getting your dream out of
your head and on to a piece of paper. It then seems more
realizable. It's a stonger affirmation of what you are
working towards rather than having a vague, wispy notion
floating around in your head.

An even stronger tool is to prepare a goal scrapbook.
Nothing fancy. Get a three-ring binder and fill it with
notebook paper. Then get a picture of each your goals and
paste them into your new goal scrapbook. You ca go to the
car dealer and get a brochure of the new car you want. Visit
a travel agent and pick up brochures of your ideal vacation'
s destination and add that. Clip a picture of your dream
house out of the newspaper's real estate section and add
this as well.

Then, each night, review your goal scrapbook and see a
picture of what will surely be coming to you. It's like
viewing a crystal ball and seeing your future.

2. Quantify your goals. Many do not get what they truly want
in their lives because they are too vague about what they
want. It is not enough to say, "I want more money" or "I
want to be rich". Instead, if you write, "I want $10,000",
you now have a clear target to shoot for.

3. Set a deadline. Did you ever set a New Year's resolution
and never achieve it? Most people have. And most people fail
to achieve their dreams because they did not include a
deadline with their goal. Deadlines move us to action.

When we fail to include a deadline for our goal, when we
commit to achieving it "as soon as possible", the goal winds
up in our "as soon as possible" pile of things I will do
another day, which is probably never. Why? Because we all
too much to do and not enough time to get it all done. The
items that have deadlines for completion tend to bubble up
in priority and importance so that we take action and
achieve them.

Having written out the goal, placed a picture in our goal
scrapbook, quantified it, and set a deadline, we can now
break that goal down into its little component pieces so
that achievement becomes realistic and manageable.

The journey of a thousand miles begins with a single step.
No goal achievement is a leap across some huge canyon. Many
are intimidated and driven away from going after what they
really want in their lives for fear they will have to take a
giant leap across that canyon and, hey, what if I don't leap
far enough? Disaster.

Let's say you have a goal to get an additional $10,000 in
savings two years from today. Make up a picture of your new
bank statement two years from now showing the additional
$10,000 in your account. The goal is in writing. It is
quantified and a deadline has been set. Now you can break
that goal into its little steps for achievement.

To get $10,000 over the next two years requires getting an
additional $5,000 per year. A year is made up of twelve
months, so that means you need to get approximately $400 per
month. A month is made up of four weeks, so that's $100 per
week. And a week is made of, let's say, five business days.
That's $20 per day. (I have not added in interest to these
calculations just for simplicity.)

I don't know about you, but the notion of going out in the
world tomorrow and getting an extra $20 is a whole lot more
realistic and certainly a whole more doable than getting
$10,000. Getting the entire $10,000 is the leap across the
canyon. It scares me. $20 is the single step. That's
something I can handle. Now the goal seems realistic and is
realizable.

But until you write out your goal, quantify it, and set a
deadline so that you break it down to its small steps, it
will forever appear to be too big a stretch and therefore
unattainable. But every time you follow these three steps
and break the goal down, you will always find that you have
within your control what it takes to accomplish that next
step. And once you begin, you are on your way!

Get your free copy of "The Top Five Time Management
Mistakes" that outlines the five things you must avoid to
be a really successful time manager. To get your free copy
now, email your request for "mistakes" to: ctsem@...

Dr. Donald E. Wetmore
Professional Speaker
Productivity Institute
Time Management Seminars
60 Huntington St., P.O. Box 2126
Shelton, CT 06484
(800) 969-3773 (203) 929-9902 Fax: (203) 929-8151
Email: ctsem@...
Visit Our Time Management Supersite:
http://www.balancetime.com

Professional Member-National Speakers Association

Copyright 2001

"D E B T I N A T O R "
(from your friends at Debt Free Strategies Ezine)

"Techniques and/or opportunities that will immediately
accelerate your income and put your debtfree system on
the fast track."

As you know, periodically we come across items that will
immediately impact your debtfree and wealth-building system.
We feel an obligation to research these and present them
to you as an added benefit for our Debt Free Strategies
subscribers.

P R E S E N T I N G

TalkFree America, Inc.

TALKFREE AMERICA is a rapidly growing National Membership
Organization.

TALKFREE delivers the highest quality online services
available without charging any membership, enrollment, or
application fees.

Recognizing the need of 21'st Century Americans for
non-monopoly, competitive "dialtone" telephone service,
TALKFREE has capitalized on this need to produce a bona
fide residual income opportunity.

This has been accomplished by the Company's positioning in
accordance with the Telecommunications Act of 1996.
TALKFREE'S unique "COMPOUNDED PROFIT- SHARING PROGRAM"
will work for you if:

Would you like to receive a check each month just for talking on your
telephone?

You continue paying your same monthly telephone bill
on time.

It doesn't matter if your telephone bill is for tens,
hundreds, or even thousands of dollars each month. Your
monthly profit sharing check can be equal to a part of it,
all of it, or for an amount far greater than the bill
itself!

We invite you to explore "The First Telecommunications
Opportunity of it's Kind".  Talkfree's "Referring Members"
are part of a first-ever residual income producing
opportunity requiring NO OUTLAY OF ANY MONEY!

You too can ultimately share in the huge phone-monopoly
profits from thousands of existing Ma Bell customer lines
being de-monopolized by our Federal Government.

Residual "profit-sharing" income with Talkfree is not
based upon members having to buy or sell anything beyond
just continuing to pay their monthly phone bill.

For more information NOW, visit:

http://www.talkfreeamericainc.com/getdebtfree

Another DEBTINATOR from your Debt Free Strategies Team!

"D E B T I N A T O R "
(from your friends at Debt Free Strategies Ezine)

"Techniques and/or opportunities that will immediately
accelerate your income and put your debtfree system on
the fast track."

As you know, periodically we come across items that will
immediately impact your debtfree and wealth-building system.
We feel an obligation to research these and present them
to you as an added benefit for our Debt Free Strategies
subscribers.

P R E S E N T I N G

TalkFree America, Inc.

TALKFREE AMERICA is a rapidly growing National Membership
Organization.

TALKFREE delivers the highest quality online services
available without charging any membership, enrollment, or
application fees.

Recognizing the need of 21'st Century Americans for
non-monopoly, competitive "dialtone" telephone service,
TALKFREE has capitalized on this need to produce a bona
fide residual income opportunity.

This has been accomplished by the Company's positioning in
accordance with the Telecommunications Act of 1996.
TALKFREE'S unique "COMPOUNDED PROFIT- SHARING PROGRAM"
will work for you if:

Would you like to receive a check each month just for talking on your
telephone?

You continue paying your same monthly telephone bill
on time.

It doesn't matter if your telephone bill is for tens,
hundreds, or even thousands of dollars each month. Your
monthly profit sharing check can be equal to a part of it,
all of it, or for an amount far greater than the bill
itself!

We invite you to explore "The First Telecommunications
Opportunity of it's Kind".  Talkfree's "Referring Members"
are part of a first-ever residual income producing
opportunity requiring NO OUTLAY OF ANY MONEY!

You too can ultimately share in the huge phone-monopoly
profits from thousands of existing Ma Bell customer lines
being de-monopolized by our Federal Government.

Residual "profit-sharing" income with Talkfree is not
based upon members having to buy or sell anything beyond
just continuing to pay their monthly phone bill.

For more information NOW, visit:

http://www.talkfreeamericainc.com/getdebtfree

Another DEBTINATOR from your Debt Free Strategies Team!

$ $ $ D E B T   F R E E   S T A T E G I E S   E Z I N E $ $ $
August 2001

Tips and Strategies on reducing debt and accelerating income
growth, guiding the subscriber to true financial freedom.

Dr. John Scott Herrington, editor

  "Our goal, with each issue, is to give you a strategy or tip
  that will save/make you money immediately, allowing you to
  accelerate your income, reduce debt, and spend more time with
  those you love."

(By subscription only. Unsubscribe information at bottom.)

**Please pass this ezine on to others you feel may benefit**.

>DFS   C O N T E N T S

1)  DFStrategies - "Keeping Up with the Smith Family"
2)  Debtinators - 7 Strategies for Income Acceleration
3)  Feature Article -  "But I Don't Have Any Debt." (Wake UP!)
4)  Time is Money - "Prioritizing Power"

>DFS   S T R A T E G I E S

Keeping Up with the Smith Family
by Doris Dobkins

Have you heard the following quote? "No wonder it's so hard to
save money, the neighbors are always buying things we can't
afford."

That may sound like a joke, but for many of us it is sadly true.
To become truly financially independent, one of the first and
most important steps is understanding that DISPLAYING A HIGH
SOCIAL STATUS IS NOT IMPORTANT. Recognizing where you've
stumbled into pitfalls in your own financial situation is
crucial. As one of our readers mentioned last week, "If you
can't pay your bills off each month, you're living above your
means."

Before any of us can focus on a real and workable solution to
our financial woes, we must first identify our life's goals.
That may sound like an odd place to start, but half the work of
achieving anything is identifying a goal and then creating a
plan to get there. Everyone has different goals. For example,
do you want to spend all your money on the "good life" now or
do you want to think long-term and provide for a financially
secure future?

Here's a starting point to help you identify your goals! Answer
the following questions:

Why do you work? Why do you get up everyday, dress and do the
same commute to the same place?  Do you enjoy working?  Does
working make you happy?  Is there something else you'd rather
be doing?  It's important to like what you're doing. Did you
know that most financially successful and independent people
love working?  Well, it's true. In most cases, they love their
work and their career. They're not working to support
out-of-control spending habits, but rather to achieve or
maintain their financial independence.

It's very easy to get caught up in the high-consumption
lifestyle. I know this first hand because I struggle with it on
a regular basis. If your goal is to be debt free, to retire
early, to travel, or just take it easy, copying the
high-consumption lifestyle of the Smith family will be a threat
to a simple and financially efficient lifestyle.

Here's how that works: The Smith's buy, buy, buy . . . and they
generally charge their toys. That means they're paying
month-by-month for the privilege of having their toys now, and
they're probably paying exorbitant amounts in interest on their
charges, which often multiplies the cost of those items by as
much as five times by the time they get them paid off. With all
that money going out in monthly payments and interest, they're
probably not saving any money --- jeopardizing their financial
security in the future. In essence, they're living a borrowed
lifestyle! Is that really what you want your life to become?

Let the Smith family have their expensive toys. Having too many
status symbols in your life can become a burden, and even an
obstruction to achieving your real goals -- goals which only
you can define.

Remember . . . SIMPLE IS GOOD!

(Doris Dobkins is the Money Saving Expert Author of "Financial
Freedom A-Z Home Study Course" and publisher of the free weekly
ezine $mart Money New$. )

>D E B T I N A T O R S -7 Strategies for Income Acceleration
(Saving your hard-earned money!)

1.  HOME MAINTENANCE AND REPAIR.
Buy energy efficient light bulbs and appliances with high
Energy Efficiency Rations. After all, the less energy you use,
the more money you save. The savings won't be noticeable in a
day or a week, but over a lifetime the extra change in your
pocket will prove quite formidable. When it comes down to it,
there's no reason not to do it.

2.  FOOD.
Hey, it's okay to use that half-price coupon.  Just because you
present a coupon at the restaurant doesn't mean you're a
cheapskate and should be banished to a lifetime of "Happy
Meals" at McDonald;s. Skipping appetizers will save you a ton,
and cutting out colas and desserts from your orders will save a
family of four from 10 to 15 dollars.

3.  CLOTHES.
Imperfection is good! Remember, irregular and imperfect
doesn't mean strange and harmful to the eyes. Oftentimes these
items, which are about half as expensive as their more regular
or perfect brethren, have only a stitch or two out of place.

4.  AUTOMOBILE.
Don't Do It! When buying a used car, never accept a financing
package of longer than 36 months. Any longer and you'll always
owe more than the vehicle's worth. Like any other debt, you
should focus all your resources on payong off your car loan as
quickly as possible to avoid unnecessary interest payment.
(And if you stick to our debt freedom plan, you can pay cash
for the car!)

5.  ENTERTAINMENT.
Think about it -- Library = FREE! The argument that they never
have the book you want can be forwarded only be the lazy. With
interlibrary loans you can get just about anything under th
sun. In addition to reading material, you can check out the
intstructional and education videos, movies, audio tapes, and
even CDs, an it probably won't cost you a dime.

6.  YOUR HOME.
Don't buy that Beverly Hills mansion. Immaculate mansions don't
appreciate very much, simply because there's not much more that
can be done with them. It's better to buy a house which is
nice, but not extravagant, and work to give it your own
personality. And let more expensive homes around you pull your
house's value up, rather than the other way around.

7.  FINANCIAL MATTERS
Bypass the middle man. Use direct deposit for payroll checks.
It'll aid you in resisting the urge to spend by keeping large
chunks of money out of your hands. Most investment companies
also offer the same service to their clients, making it easy
for an investor to devote a specific percentage of his or her
income consistently to specified investments.


>F E A T U R E   A R T I C L E

"How We've Been Misled."
(An excerpt from The Debt-FREE & Prosperous Living® Basic Course
by John Cummuta

. . . The entire way our economy works is designed to make you
work yourself to exhaustion -- simply to accumulate wealth for
the companies you do business with -- NOT FOR YOU. The most
staggering example of this is a home mortgage. If you buy a home
with a 30-year conventional or adjustable rate mortgage, you
will pay for that loan about THREE TIMES. Just multiply your
monthly payment times 360 months and you'll see that the total
you'll pay the mortgage company or bank is about three times the
amount you borrowed from them.

That means that two-thirds of the total amount you'll pay your
mortgage lender is INTEREST. Interest is the profit the mortgage
company makes for lending you the money to buy the house, and
they obviously feel you should pay them 200 percent interest!

Let's put some real numbers to this.

If you buy a $250,000 home, with a $200,000 mortgage, you'll end
up paying about $600,000 over 30 years. THIS MEANS THAT YOU'LL
PAY NEARLY A HALF MILLION DOLLARS IN INTEREST!

That means you'll have to work . . . week after week . . . year
after year . . . to earn a HALF MILLION DOLLARS or more . . . so
you can net FOUR HUNDRED THOUSAND DOLLARS after you pay income
taxes -- just so you can give it to the bank to make them rich!
Ask yourself -- do they deserve a half million dollars of your
hard-earned wealth more than you do? Are they doing you such a
tremendous favor that you should wear yourself out, over three
decades, to generate nearly a half million dollars to add to
their wealth?

That's YOUR MONEY. You work for it. You pay taxes on it. Yet
they end up with it. It's not fair, and I'm dedicated to helping
you turn the tide of your wealth-building power to YOUR benefit
instead of theirs . . . the power of retaining and investing the
money you waste on mortgage interest alone could change your
life completely.

Just think about that four hundred thousand dollars. If you had
it parked in mutual funds that averaged just 10 percent return
per year, you could enjoy a $40,000-a-year retirement income
WITHOUT EVER TOUCHING THE PRINCIPAL! You would never have to
work again, and the exciting thing is we're not even talking
about your having to make any extra money to make this happen
for you. This four hundred thousand (or whatever it works out to
for you) is money you're going to earn anyway. We're just giving
you control of who ends up with it: you or them.

>T I M E   I S   M O N E Y

Prioritizing Power

By Dr. Donald E. Wetmore

I recommend taking time each evening to do Daily Planning for the
next day. Prepare a list of all the things you "Have To" do, but,
more importantly, the things you "Want To" do. This begins the
process of  taking control of the most precious resource at your
command, the next twenty-four hours.

If you were to review that list, it is likely you would find some
items
are "Crucial" while others are, well, "Not Crucial." The Crucial
items give you the best use of your time, but often we get caught
up in the  Not Crucial items because they are typically quicker
and maybe a bit easier to complete than the Crucial items.
We need Prioritizing Power, a tool to help us to get over to the
Crucial side of our daily ledger.

I have that tool for you through our Prioritizing System:

 	 A = Crucial
	 B = Important
	 C = Little Value
	 D = No Value
* = Quickie

"A" is for the Crucial items on your list and you are the only
one who can determine whether something is Crucial or not. Now
you will determine that in light of your commitments and
responsibilities to others but also in light of your long-term
goals and "Want To's". (It ought to be our goal each and every
day to work our "A's" off.)

"B" means Important. If you had a choice between an "A" and a "B",
obviously, you would want to work on the "A". (You may find you
have two "B's" or not two "B's"; that is the question.)

"C" means Little Value. Chances are you will not get to your "C's"
today but that is fine because everything else will have a
higher value.

"D" means No Value. What do you do if you find you have a "D" on
your list? Get rid of it because by definition it has no value. If
you have not been through this process before of writing
everything down that you "Have To" and "Want To" do, no doubt
you will find you have been carrying around some "D's" in your
head and it is a welcome relief to scratch them off your list.

Finally, the "*" is for a Quickie item. Any item that takes less
than a  minute or two to complete ought to be identified as a
Quickie because in the time it would take to figure out its
priority, you could have it done. I typically have a handful of
Quickie items each day and I complete them first to give my day
a jump-start.

To further refine your focus, go back to each category of items
and sub-prioritize each using the numeric system. For example,
let's say I have five "A" items to accomplish on my To Do list. I
cannot do them all at the same time but I can do them one at a
time. I will look then at all five and ask, "If I could work on
only one "A" item today, which one  would it be?" That item
becomes my "A-1". Then if I have time to work on an additional
item, which item would I do? That item becomes my "A-2".
Continue sub-prioritizing the "A's" and then apply the same
technique to the "B's" and the "C's" creating a prioritized action
list of all the things you "Have To" do and "Want To" do, listed
in the order of their importance helping to keep your focus on
the most important items in your day thereby increasing your
productivity.

What about the other blocks to our personal productivity? I
found five of them to avoid. Get your free copy now of our short
article, "The  Blocks to Employees' Productivity". Email your
request now for "blocks" to: ctsem@...

  Would you like to receive free Timely Time Management Tips on a
  regular basis to increase your personal productivity and get
  more out of every  day? Sign up now for your free "TIMELY TIME
  MANAGEMENT TIPS".  Just go to:
  http://www.topica.com/lists/timemanagement and select
"subscribe".  We welcome you to our list!

Dr. Donald E. Wetmore
Professional Speaker
Productivity Institute
Time Management Seminars
60 Huntington St., P.O. Box 2126
Shelton, CT 06484
(800) 969-3773(203) 929-9902
Fax: (203) 929-8151
Email: ctsem@...
Visit Our Time Management Supersite: http://www.balancetime.com

$ $ $ D E B T   F R E E   S T A T E G I E S   E Z I N E $ $ $
June 2001

Tips and Strategies on reducing debt and accelerating income
growth, guiding the subscriber to true financial freedom.

Dr. John Scott Herrington, editor

  "Our goal, with each issue, is to give you a strategy or tip
  that will save/make you money immediately, allowing you to
  accelerate your income, reduce debt, and spend more time with
  those you love."

(By subscription only. Unsubscribe information at bottom.)

**Please pass this ezine on to others you feel may benefit**.

>DFS   C O N T E N T S

1)  DFS Strategies - "Summer Fun and Debt Elimination"
2)  Debtinators - 7 Strategies for Income Acceleration
3)  Feature Article -  "But I Don't Have Any Debt." (Wake UP!)
4)  Time is Money - "Three Steps for Positive Goal-Setting"

>DFS   S T R A T E G I E S

SUMMER FUN AND DEBT ELIMINATION
by Anthony Manganiello

Well summer is finally underway. This is a time of year that
you begin to spend a lot of time outdoors.  And while it's
exciting to have more hours of sunlight and more opportunitites
to get out of the house...you need to keep some things in mind.
Typically, when you're out of the house you have a tendency to
spend more money. That stop at the ice cream stand or that trip
to the ball game. I know from personal experience that in the
summer months I tend to carry more cash around with me than
during the winter months. When there's snow on the ground, and
on the streets, I have less desire to be anywhere but home in
contrast to when the sun is shining and I don't need a coat. And
the more I'm out of the house, the more money I spend. While
your debt elimination system is NOT an austerity program, it
does require discipline. with that in mind...here are a few
suggestions.

1.  Plan For Recreation.  Satisfy the temptation to enjoy the
summer months by planning little jaunts ahead of time. Take a
look at the calendar and pick some things you would like do. I
find that this gives my family something to look forward to and
thereby makes it easier to endure the time periods between
activities.

2.  Take Advantage of Nature.  I spend a lot fo time with my
kids at the parks in my neighborhood. It's fascinating that,
when it comes to children, it's not the money you spend "on
them"-- it's the time you spend "with them."  It doesn't
cost a penny to go to a public park and this is where we
have a lot of fun.

3.  What About Vacations?  If you're planning on taking a
vacation this year, plan wisely. Take advantage of the
competition over your travel dollar created by the dot com
companies. If you're planning on flying, check out
www.travelocity.com or www.lowestfare.com for good rates on
airfare. You can look into www.priceline.com but be prepared to
have limited options regarding the time of day you plan on
traveling. Priceline.com gives you the ability to bid for price
of your plane tickets, but they tell you what time of the day
you're flying. This can be difficult if you have small children
who are on a schedule. Furthermore, with Priceline.com you have
to provide a credit card number (and you know how we feel about
credit cards) at the time you enter your bid. This means that
if they meet the limited criteria you've entered, you're stuck
with those tickets. Even if you're flying out at 6:00 AM.

4.  Don't Forget Your Reward Program.  If you have instilled a
reward program in your debt free system, as suggested, you can
pick a time to use your Accelerator Margin to reward yourself
instead of paying down debt.  Let's say you have an Accelerator
Margin of $600.  As a reward for reaching one of your debt
elimination milestones, take that money and use it to fund your
vacation. This means you vacation is paid for in cash and you
won't be faced with the grim reality of paying interest on
airfare and hotel rooms. It may take a few months to fund your
vacation this way, wut I guarantee that it feels better to pay
cash!

We want to help you keep focused on the light at the end of the
tunnel.  That's the day when all your debt has been eliminated
and the money spent each and every month to make debt service
payments is yours to keep. For many people the end of the
tunnel means as much as a one hundred percent increase in net
monthly income.


>D E B T I N A T O R S -7 Strategies for Income Acceleration
(Saving your hard-earned money!)

1.  HOME MAINTENANCE AND REPAIR.
Do It Yourself.  Do the simple things around the house such as
painting, scraping, and cleaning maintenance. For example, 80
to 85 per cent of a house painter's cost is labor.  Your local
library has plenty of home maintenance books that can answer
any question you may have.

2.  FOOD.
How 'bout that good ole' home cookin'!! That's right, eat at
home. It's ok to treat yourself with a meal out periodically
(or as a reward for sticking to your debt elimination plan),
but don't let the local McDonald's or restaurant be your main
meal source. It's much cheaper to cook your own meals AND much
better for you. Besides, it's a great time to get the family
together to talk.

3.  CLOTHES.
When is the best time to buy a winter coat?  Not during October
and November.  Now is the best time to buy a winter coat.  The
selection may not be the best, but if you find something you
like, it is likely to be MUCH cheaper now than when old man
winter has already set up shop. Buy out of season.


4.  AUTOMOBILE.
Never, EVER ... EVER buy a new car.  Two years up the road it
will be worth little more (or less) than half its original
cost. Buy a two year old car. The car will still be in
excellent condition and problems will most likely have been
identified and fixed. However... be sure to have your friendly,
trustworthy local mechanic check out a pre-owned car before you
buy. And buy from someone you know and can rely on.

5.  ENTERTAINMENT.
Don't pay 6 or 7 dollars (or more) to go to the movies. If you
must have that movie experience, go to the matinee where it
could be as much as 50 per cent cheaper. Better yet, rent a
movie! It will only cost you about 3 bucks (or less). Add a
bowl of popcorn (at just a few cents rather than a few dollars)
and you can have a nice evening with those you love and save 20
bucks.

6.  YOUR HOME.
Pay off your mortgage as quickly as possible. Why? Over 30
years, you are going to pay twice as much in interest as you
are for the original cost of your home. Talk about money in
THEIR pockets!  And forget this argument that it is a good tax
deduction. Since when is it better to pay a dollar to get 28
cents back! (I'll gladly give you 28 cents for your dollar.)

7.  FINANCIAL MATTERS
Where does all that money go?! Well, there's one way to find
out. Carry around a notebook and pen and keep track of the cash
you spend. It may seem like a pain, but ask yourself just how
willing are you to cut back on your expenses to eliminate your
debt completely. Try it for two weeks. You'll have a better
grasp of where your money is going and how you can cut back in
some areas you hadn't considered.  You will be surprised.


>F E A T U R E   A R T I C L E

"But I Don't Have Any Debt." (Wake UP!)
by R. David Williams

When I speak with people about true financial independence, one
of the very first statements I hear is, "but I don't have any
debt." The media, Madison Avenue, and financial institutions
all across our country have convincedus that having a mortgage,
car payment, and now home equity loans, are all just normal
every day expenses. Sure, eeryone realizes that credit card debt
is the "bad debt," but they also believe those other items are
a necessity.

In January of 1999, my wife and I had just refinanced our
mortgage for 30 years at the incredibly low rate of 6.75 per
cent. As a graduate of one of the top ten business schools in
the country with a degree in finance, I was proud of the fact
that I only had a mortgage and was leveraging my debt to it's
fullest to take advantage of the mortgage tax credits and to
free up my capital for better investment opportunities.
However, I read something that started me on a journey that has
changed my life forever. You see, I had never thought about the
possibility of eliminating my mortgage (in five to seven years)
and opening up a whole new world of opportunity.

My wife and I began our debt free system in April of 1999 and
the expected results were incredible. We are going to save in
excess of $163,000 and our morgage will be paid off by May,
2005. Our projections for investments are over 2.8 million
dollars in the same period of time that we would have been
paying on our mortgage. Now when I did the calculations and
compared the expected capital appreciation on the accelerator
margin vs. paying off my debt first and then investing, the end
results were almost identical. But here is where I really
benefit. In 6 years my personal net worth would be almost
$150,000 more than if I followed the traditional model. You see,
the capital acquired through traditional investing would be only
slightly more than the remaining mortgage balance on our home.
This is what I call true financial independence. In less than 5
years I will be completely debt free and able to pursue any
lifestyle that I want, because I will have significant net worth
and no debt obligations.

Mortgage payments, for most people, are a fact of life, but
make no mistake about it -- this  is real debt and the kind of
debt that could have the most significant impact on your life!


>T I M E   I S   M O N E Y

Three Steps for Positive Goal Setting

By: Dr. Donald E. Wetmore

As I conduct my Time Management Seminars all over, my
audiences consistently tell me they want more out of life.
Almost everyone I speak with has a yearning for improving
several aspects of their lives. They have dreams and goals
about their future as yet unrealized.

Many come to the end in life with those visions unrealized,
pictures in their minds only.

Achieving goals helps us to get the "want to's in our lives.
Life ought to be more than just achieving the "have to's".

I offer three important tips to help increase the
probability of achieving your dreams, getting more of what
you want in your life.

1. Put your goals into writing. There is something powerful
about writing out what you want, getting your dream out of
your head and on to a piece of paper. It then seems more
realizable. It's a stonger affirmation of what you are
working towards rather than having a vague, wispy notion
floating around in your head.

An even stronger tool is to prepare a goal scrapbook.
Nothing fancy. Get a three-ring binder and fill it with
notebook paper. Then get a picture of each your goals and
paste them into your new goal scrapbook. You ca go to the
car dealer and get a brochure of the new car you want. Visit
a travel agent and pick up brochures of your ideal vacation'
s destination and add that. Clip a picture of your dream
house out of the newspaper's real estate section and add
this as well.

Then, each night, review your goal scrapbook and see a
picture of what will surely be coming to you. It's like
viewing a crystal ball and seeing your future.

2. Quantify your goals. Many do not get what they truly want
in their lives because they are too vague about what they
want. It is not enough to say, "I want more money" or "I
want to be rich". Instead, if you write, "I want $10,000",
you now have a clear target to shoot for.

3. Set a deadline. Did you ever set a New Year's resolution
and never achieve it? Most people have. And most people fail
to achieve their dreams because they did not include a
deadline with their goal. Deadlines move us to action.

When we fail to include a deadline for our goal, when we
commit to achieving it "as soon as possible", the goal winds
up in our "as soon as possible" pile of things I will do
another day, which is probably never. Why? Because we all
too much to do and not enough time to get it all done. The
items that have deadlines for completion tend to bubble up
in priority and importance so that we take action and
achieve them.

Having written out the goal, placed a picture in our goal
scrapbook, quantified it, and set a deadline, we can now
break that goal down into its little component pieces so
that achievement becomes realistic and manageable.

The journey of a thousand miles begins with a single step.
No goal achievement is a leap across some huge canyon. Many
are intimidated and driven away from going after what they
really want in their lives for fear they will have to take a
giant leap across that canyon and, hey, what if I don't leap
far enough? Disaster.

Let's say you have a goal to get an additional $10,000 in
savings two years from today. Make up a picture of your new
bank statement two years from now showing the additional
$10,000 in your account. The goal is in writing. It is
quantified and a deadline has been set. Now you can break
that goal into its little steps for achievement.

To get $10,000 over the next two years requires getting an
additional $5,000 per year. A year is made up of twelve
months, so that means you need to get approximately $400 per
month. A month is made up of four weeks, so that's $100 per
week. And a week is made of, let's say, five business days.
That's $20 per day. (I have not added in interest to these
calculations just for simplicity.)

I don't know about you, but the notion of going out in the
world tomorrow and getting an extra $20 is a whole lot more
realistic and certainly a whole more doable than getting
$10,000. Getting the entire $10,000 is the leap across the
canyon. It scares me. $20 is the single step. That's
something I can handle.  Now the goal seems realistic and is
realizable.

But until you write out your goal, quantify it, and set a
deadline so that you break it down to its small steps, it
will forever appear to be too big a stretch and therefore
unattainable. But every time you follow these three steps
and break the goal down, you will always find that you have
within your control what it takes to accomplish that next
step. And once you begin, you are on your way!

Get your free copy of "The Top Five Time Management
  Mistakes" that outlines the five things you must avoid to
be a really successful time manager. To get your free copy
now, email your request for "mistakes" to: ctsem@...

Dr. Donald E. Wetmore
Professional Speaker
Productivity Institute
Time Management Seminars
60 Huntington St., P.O. Box 2126
Shelton, CT 06484
(800) 969-3773 (203) 929-9902 Fax: (203) 929-8151
Email: ctsem@...
Visit Our Time Management Supersite:
http://www.balancetime.com

Professional Member-National Speakers Association

Copyright 2001

**********************************************************
This is a SOLO AD to subscribers of DebtFree
Strategies.  Periodically DFS will bring you ads
>from other subscribers.  As a subscriber to DFS,
should you decide to respond, do not hit reply,
but click on the links provided in the SOLO AD
**********************************************************

Good Morning Sir / Madam ,

I am writing today with a bit of urgency to you today.  I am looking for 4
entrepreneurs, only four, willing to take me up on my offer.  You will
need to be able to accept a payment from me from PayPal, which might leave
you out, but I am sending this to you anyway, because I came across
something that I believe is going to be very big, and I want to be in on
it, and to get the biggest benefit, I need four of you to agree with me.

I have already joined this program, and I believe in it enough that I am
willing to invest, an extra $60 ($15 each for only four of you) to make it
work for me.  BUT time is of the essence for me.  You will see why as you
read a message from a fellow named Phil Wiley, a guy many consider a very
bright person.  I have replaced HIS link with mine, but he explains the
program so well, and I am trying to catch the big wave so quickly, that I
am not going to re-write what he said in his ezine recently.

Here is the basic deal.  IF you join the program today, I will pay $15 of
the $55 you will be required to pay to join.  The program is NOT free, but I
think it will be worth the money.  IF you agree with me, join and I will
send a PayPal payment to you today when you send your welcome email to me,
letting me know you joined.

I am writing this about 10:00 AM MET, so if you want to see if there is
still time to take me up on the offer and it is later today, you may want
to contact me first to see if my offer is still open.  Again, I only need
four of you, and I am willing to basically split the cost of you to join
with me.

However, you do it. Join today, be one of the first four, and I will help
you get in. Consider it a special benefit for four of you this month.

The first four to take me up on this, get my financial help, but I truly
believe the rest of you may very well find it worth you time even at the
"full" pre-launch price.  I did.  See what you think.

If you want to what I am talking about right now, go here:

http://www.debtfreeservices.com/mylistmaker

Below is the letter from Phil (with my link replacing his).

--

Letter from Phil

Look, this letter is a bit complicated and long. But bear with
me.
It's worth reading carefully. Because if you act TODAY, on what
I'm about to tell you, you're going to end up VERY happy.


Read on...

How would you like a way of building a big opt-in mailing list,
and making some really good money at the same time?

Well here's something that's going to be bigger than a vacation
to the moon.

And like the Terry Dean private site I wrote about last week,
you're just about the first person on the web to know about it.

We all know that first in to every new program makes the most
money. So you should jump in to this one straightaway. There are

also some other reasons for getting in immediately - which you
can read about further down.

Ok...let's get on with it.

I'm talking about a brand new list building program.

The last  web business these people set up, Links2U, has been
ultra-successful, with over 1 million members.
____________________________

REASON ONE FOR JOINING TODAY

( to give the early joiners, like you and me, a great head
start, they're
not telling their 1 million + subscriber base about it for
another week )

http://www.debtfreeservices.com/mylistmaker

____________________________

Reason for not joining - you might think opt-in lists don't
work.

In fact, if you've tried the existing opt-in lists you'll find
on ListBot,
Topica, Egroups etc, you'll know they don't.  If you've ever
posted
to these lists you'll find they're next to useless. Everyone's
posting
and nobody is reading.

Reason for joining - this one is very DIFFERENT.

They are using a 3 x 10 forced matrix to create the list with.
For
those of you who may not know what that means, it simply means
that you will have 3 people on your first tier who will each
have 3 on
theirs and this goes on through 10 tiers giving you the
potential of
80,000 subscribers.

"Forced" refers to them placing new subscribers into your
downline
to fill up the empty spaces. Put another way, they ask you to
refer
4 people and then leave them to do the rest.
____________________________

REASON TWO FOR JOINING TODAY

You'll be one of the first and you'll be building a mailing list
that
people WON'T WANT TO LEAVE. Why? Because they'll lose income.

http://www.debtfreeservices.com/mylistmaker
____________________________

It's true. People only stay on ANY opt-in list if it benefits
them.
People unsub from newsletters all the time, they leave other
mailing lists even quicker.

But they're not going to be leaving this one, which is why it's
going to grow like crazy.

The people from Links2U have identified the problem of people
dropping out, and cured it by paying income through the entire
matrix. Stay on the list and you get paid. Opt-out and you can
kiss your income goodbye.

Hands up if  want to opt-out of getting good money?
____________________________

REASON THREE FOR JOINING TODAY

This list is going to grow incredibly fast. Maybe quicker
than anything before. Why? Because the quicker you sign
4 people up the more money you make. So people will bust
a gut to sign 4 people.

http://www.debtfreeservices.com/mylistmaker
____________________________

We all know that creating a mailing list is not something that's

done overnight and it can take many years. Obviously that's
daunting if you need to build your business this year.

Well these  guys have taken care of that as well ...

You have to refer 4 people personally. You cannot earn anything
or access your list until you have done that. Already there's an

incentive to get a move on but it gets better. In fact they have

come up with a way to make it go into hyperdrive!

Get this...

You have only 3 days to refer your 4. If you do it you will be
paid
$10 for everyone entering your matrix for the rest of your days.
See
what that comes to on the site or play with your calculator. You

should be suitably impressed.

Fail to manage it in the 3 days and your income will reduce to
$5
per head provided you complete your 4 within 7 days from signing
up.

Go beyond 7 days and you will have to settle for $1 per head but
that's
still $80,000 on a completed matrix ...and there's nothing to
stop you
starting again on your 10th tier using another email address.

Can you see how fast it will grow with such incredible financial
potential
wrapped into the system?

You need to act NOW if you're planning on joining.

You are not the only person reading this email. I have mailed
many
other subscribers.

Remember that this is a forced matrix so those that move fastest

will be able to benefit significantly from this mailing.
____________________________

REASON FOUR FOR JOINING TODAY

On Feb 9th they're mailing to their entire subscriber base
of 1 million +. you can act now to get in before most of them.

http://www.debtfreeservices.com/mylistmaker
___________________________

The program was only launch a few days ago, and it's virtually
unknown so far because people haven't started promoting it.

So this is your big chance.

And it's really still in prelaunch because on February 9th
Links2U
will mailout to their entire subscriber base of over a million
people.
The same date also sees a 50% price increase.

Remember, this  is a forced matrix. If you get in today you're
going
to have the lion's share of what happens when the company sends
that huge mailing.

And to make things even sweeter, the regular price to enroll is
going
to be $89   ( $150 Australian dollars )  but if you get started
now you
will only pay $55.

[Remember, I will pay $15 of the $55 for the first 4 who join using my
link today.-Chris]

Skeptical?  I've joined myself because
I know there's nothing more important than your mailing list.

I'm convinced this is going to be very big and financially
beneficial to all of us in it.

Expand YOUR contact base at

http://www.debtfreeservices.com/mylistmaker

yours in success

phil

ps.  there will be absolutely no extensions on this bonus offer.

It's a one off. So act now.

[My offer is only good today.  I am near the end of my time limit to
make the program really pay well. Sorry for the short notice, but this
program is moving VERY quickly due to the time limits imposed.]


Sincerely

John Scott

Hi,

Setting America Debt Free One Person at a Time.

Cheers,

John Scott Herrington