Credit is destroying the working men and women from all corners of the world. The credit schemes created by the banks have two purposes.

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1 Bookmark this book or save it to your files. Credit is destroying the working men and women from all corners of the world. The credit schemes created by the banks have two purposes. To help the rich get richer To keep the poor that way. But the only reason this scheme is working is because the average person with a credit card or credit of any kind do not use credit the way the rich use credit. The rich use credit to get richer where the not so rich use credit to buy things. The American Dream has been the marketing tool for these banksters to get the average person who lives below the standards of his/her neighbors to accept credit under the pretense that they had a right to drive new cars, live in new houses, take vacations and own all the new gadgets being offered by the multifile:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (1 of 15) [10/24/2008 3:58:48 PM]

2 internationalist. Once the population was convinced that they needed these things and had a right to them it was easy to issue credit cards to anyone making an application. And if your credit rating was not good enough to be issued a credit card the bankers had a scheme to correct this. All you had to do was open a bank account, deposit money and you would be issued a credit card secured by the bank account. After a couple of years using this kind of card it became easy to obtain a regular non-secured credit card. All of this made the public think in terms of building better and larger credit. The better the credit the more unnecessary things you could own. During my last trip to the U.S., I was shocked to see people paying for a cup of coffee, in a quick stop gas station, with a credit card. Ok, that in a nutshell is how we got to where we are today. Chapter I The Credit Scheme The scheme of the bankers comes in three parts, which are: Economic Conditions file:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (2 of 15) [10/24/2008 3:58:48 PM]

3 Impulsive Buying American Dream We are going to consider each of these parts separately so that we can get a full picture of what is happening to the wealth of the average person, regardless where they are from. And then we will examine a logical way to turn credit cards into a $1,000,000 asset rather than a monthly liability. Economic Conditions If you have not read my book What Is The Dollar Worth I highly recommend you do so in order to clearly see what I am speaking about. You can download a free copy by contacting your sponsor. The economic conditions that exist in the U.S. and most countries of the world are no accident. It was planned more than 100 years ago and the plan was implemented in the early 1900s. The plan is simple from both a political and financial file:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (3 of 15) [10/24/2008 3:58:48 PM]

4 view point. Both groups, political and financial, are power hungry. The only thing that stands in their way is wealth in the hands of the people. A wealthy people are hard to control simply because they are able to move themselves and their wealth to other countries where things are more favorable for them. In the business world this is called outsourcing. Under allegedly free democratic societies politicians must present regulations and programs that appear to help one build wealth in order to stay in office. If they made it clear that their intent is to rob you of your wealth you would vote them out immediately. So we have had the pleasure of dealing with the New Deal, the Great Society, the War on Drugs and now the war on terrorism, all of which, have created debt for the people and billions for the bankers. Not only do the politicians and the financial sector want your wealth, they want and have created, a society dependent on credit to exist. It is amazing that most people consider the U.S. to be the richest country in the world when in fact it is one of the poorest countries. Let me illustrate. In most third world countries there are vast amounts of poor people, so says the governments of the first world countries. My own daughter asks me, Why do you live in a country full of poor people. She said it as if file:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (4 of 15) [10/24/2008 3:58:48 PM]

5 being poor was an illness. I was left with the impression that she consider poor people to be inhuman and that living among poor people was like living on a deserted island. However, when I asked her what she considered being poor was, her response was living at or below poverty level. I found that to be an interesting statement. My response was a question, If you met a millionaire in the country that I live in would you consider that person poor? "Of course not", she said. What was interesting to me is the fact that a millionaire in the United States and a millionaire from another country are not on the same economic level. A millionaire in the country where I live has $1,000,000 pesos which converts to about $33,000 dollars but he is a millionaire. I don t know what the poverty level is today in the United States, with the decline in dollar value and rising prices, but it can t be much below $33,000. I should also mention that no one in the country where I live files or pays income taxes. Most people in third world countries own their homes without mortgages. They are the real owners. They are not burdened with bank, credit card, or car payments. It is true that they live in what citizens of other countries consider to be, sub-housing, but it is debt free housing. So the question is, what does it mean to be poor? If being wealthy means living in a house that is not file:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (5 of 15) [10/24/2008 3:58:48 PM]

6 paid for, driving a car that is not paid for, eating food that is not paid for, wearing clothing that is not paid for, then for me the way to live is like the third world citizens live where everything you own is debt free. I know a person who has until recently lived a lifestyle of a millionaire without having the money and now is facing total financial destruction. It s true until recently he had a great monthly income in the real estate business. But today he is burdened with the necessity of earning $100,000 per year only to break even due to his house payments, office rent, and other living expenses. Is he not one of the poor? I also might point out that is exactly what is going to happen to 99% of the free world, first world citizens. You are going to lose your standard of living. The question is can you deal with it? Are you willing to take steps to preserve it? You see, now that you have been convinced that you deserve and have a right to any that is new in the market place, and that credit is your privilege to obtain these things and improve your lifestyle which is now dependent on credit, you are going to have a real awakening soon if not already. I m not trying to be pessimistic but you know as well as I that all indicators are pointing downward. Everything happening right under your nose is a result of the arrogant politicians and greed of the financial world, namely the banking industry who create money out file:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (6 of 15) [10/24/2008 3:58:48 PM]

7 of nothing. Read my book, What Is The Dollar Worth. Seriously, how would you be living if you had to do it without credit? Present day economic conditions are designed to make you use credit more and more and in a way that will lead to your total financial destruction if you continue to use credit as you are now. If you have reached the point of using credit to purchase the necessities in life, food, health care, etc. your wealth has already been destroyed and you are among the poor. Now of course, there are people worse off than you because they don t even have the privilege of using credit. Yet they may not be so poor because they are not tied down by debt either. I also want to point out that each time you use your credit card it puts dollars into circulation that do not exist. Therefore, creating debt and adding to the national debt resulting in tax increases. Then in the long run takes money out of circulation that has never been created in the first place. Consider this as an example of what has happened to you. Let s say that there are only 10 people living in the United States and that the government to create commerce issued $100 to each of these 10 people. Now we have a total of $1,000 in circulation. Everything runs well as long as that $1,000 is all that is used within the economy. But then a new iphone is available in the market which file:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (7 of 15) [10/24/2008 3:58:48 PM]

8 sells for $25 that no one can afford to buy. The company that created the new phone must do two things to make the iphone business successful. First, it must convince the public that they need this new iphone. Second, they must find a way for the public to buy it. The first is done through advertising of some kind, maybe a message handwritten in the sand on the beach. This is easy. But how do people buy this iphone for $25, when their entire wealth is $100? The iphone cost 25% of what they have. It s called credit. The company offers you the iphone for $1 down and $1 per month. By doing this they sell all 10 phones quickly. But what has happened? These 10 people now must pay a total of $120 per year for the next two years. That is 12% of the entire wealth of the country. The iphone company is removing 12% of the grow national product from the economy every year. Who becomes wealthy? That is exactly what visa, master card and banks are doing year after year. But where do the people get this extra $1 monthly to make this payment. The government prints it and places it in circulation. Now we have an additional $120 per year in circulation, in an economy, based on $1,000 wealth base. The result is that the dollar has now been devaluated by 12% annually which is a 1% monthly inflationary rate. It seems odd that most people consider being in possession of a credit card as a sign of prosperity when the opposite is true unless used properly. file:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (8 of 15) [10/24/2008 3:58:48 PM]

9 What is credit? Credit is debt, an obligation, a liability, being in arrears and money owed. Allow me to word it like this. Money owed via credit is an obligation of debt placing one in arrears through liability. Sounds very much like slavery. Now that you have gotten use to living a certain standard, the American dream, you are trapped under obligatory liability that daily is putting you further in the arrears due to debt. But you use credit so you don t feel like a third world citizen in a first world country where you can t keep up with the neighbors who recently purchased the latest ipod. This was planned and you have helped it succeed. Impulsive Buying Now that you are using credit to keep up your false lifestyle, the masters at marketing are playing on another problem most people have. That problem is unhappiness. Most first world people are simply unhappy. They have all the fancy, time saving gadgetry of ease to make their lives easier but they are not happy. The U.S. states has a divorce rate that far surpasses any third world country, and it is all caused from unhappiness. file:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (9 of 15) [10/24/2008 3:58:48 PM]

10 But there is always this great new marvelous product that you can own, through credit, which will make you happy. All you have to do is turn on your television and you are bombarded with their advertising. And if you call now using your credit card they will double your order. Now that most people are internet enthusiast and many are looking for a way to earn extra money there have appeared over the years products produced by the socalled business gurus that will earn you a $1,000,000 in one year. Buy their product and you are on your way. Of course, in 2 to 6 months, these same gurus you have purchased from are going to be offering you the latest and most up to date millionaire producing product. And you are going to buy it. Why? Impulse! And how are you going to buy with money you don t have? CREDIT! When you finally discover that the product does not bring you the wealth promised you look for another exciting new innovation that will surely make you rich. I will guarantee you someone is offering it on the internet. And when you find it, out of impulse, you will buy it, only to be disappointed once again. So your credit card debt keeps rising. This in turn makes you depressed and you are still unhappy. file:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (10 of 15) [10/24/2008 3:58:48 PM]

11 But don t despair there is always individuals or companies that will produce the latest fad that will bring you happiness. Really, they promise. However, the truth is unhappiness is caused by the American Dream. The reason I say that is that most people do not want to wait for their dreams to come true. For me, the American Dream is to live free of political and financial controls. The American Dream is to live without slaving to pay debts. The American Dream is to reap benefits as a result of helping others reach their goals in life. I have lived in what is considered a third world country for many years now and can testify that the citizens of this country live more of the American Dream than Americans do. These people do not die from stress. These people are not on medication for depression. These people have learned how to make the most of every day. They have learned to, Take control of your consistent emotions and begin to consciously and deliberately reshape your daily experience of life. - Anthony Robbins They have learned to deny themselves of the things why want but can not afford. They have learned to make each day count toward advancement. They have learned to leave their homes with one peso in their pocket and use it to return with 2 pesos. file:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (11 of 15) [10/24/2008 3:58:48 PM]

12 They have learned not to satisfy their carnal cravings. They have learned there is more to life than impulse. The American Dream The American Dream is not really the cause of your financial distress but rather the misunderstanding of this dream. If you ask people what is the American Dream you get the follow responses among many. Owning a home Owning a business Having good employment Being Rich Making a lot of money Living free That does not exhaust the list but it gives you a good idea of what people are thinking. And all of this is wrong. This is not the American Dream. The true American Dream can be found in these words, Being The Master Of My Own Destiny. The American Dream simply involves, You see, in life, lots of people know what to do, but few people actually do what they know. Knowing is not enough! You must file:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (12 of 15) [10/24/2008 3:58:48 PM]

13 take action. - Anthony Robbins The American Dream is reaping the benefits derived of taking action on what you know is best for your financial future. The American Dream is ignoring your impulses and doing the right thing at the right time. An example, I have already told you that people where I live possess debt free homes. And how they accomplish this is simple. They first save until they can pay cash for a building lot. Then they start construction with what they have in their pockets. When their money runs out the home sits with one or two walls until they have saved enough to put up a third, etc. Well, we have seen how credit keeps the not so wealthy, not so wealthy. In fact, using credit as discussed above will reduce the moral, good intentioned person to poverty. Chapter II Credit Cards That Pay $1,000,000 Most likely you are in possession of credit cards that will pay you one million dollars if you but do the right thing. The first thing you must do is clear any debts owed on the cards. So you can start a new venture with a clean slate. There must not be any demands on the card when you start on the path to becoming a millionaire. This can be done by applying for a new card which has no file:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (13 of 15) [10/24/2008 3:58:48 PM]

14 debt. The second thing you must do is change you re thinking about credit. The third thing you must do is put that credit to work for you. Credit can make you a millionaire in short order, I did not say overnight, or in 90 days but much quicker than you have made it so far. But you must understand that credit is cash. Cash makes money unless it is spent. Which side of the banker s desk would you prefer to be? The front or the back side. Did you know if you sit where your banker sits you can use all the credit you want to become rich and have the banks pay the interest on your credit. That would be a great change, Right? Let me show you something. If you took $5,000 from your credit card and earned only ½% daily and are paying 25% annual interest at the end of one year your net worth would be $15,706 25% of $5,000 = $14,456 after paying back the $5,000 = $9,456 of debt free money. This is not difficult if you rob banks legally. Thousands are doing it every day. But why pay the $5,000 back. Use it for another year and see what happens with $14,456 in 12 months. $14,456 turns into $45,386 plus. And that is only earning ½% daily. Believe me it is easy to do. Then if you will allow file:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (14 of 15) [10/24/2008 3:58:48 PM]

15 the $45,386 to earn for you it will produce a monthly income of $4,540 for life at only ½% daily. And you are only 25% or less on the $5,000. You could earn 1 5% daily. So why not let the banks pay your interest and use their money to become rich. I have written a book that explains in detail how this is done. Get your free copy by contacting your sponsor. file:///c /Documents and Settings/usr1a/My Documents/GEF/Millionaire Credit.htm (15 of 15) [10/24/2008 3:58:48 PM]

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