"Do You Make These Mistakes With Your Money?" By James Hart Does your mortgage or rent, bills and taxes chew up 51% or more of your money every month? Are you paying double-digit interest rates on any loans, debts, or credit cards? The Kennedy Center for Economic Studies and Trends, reported that 6.25 to 7.12 hours of your 8 hour work day, goes to pay the IRS, Mobil, General Electric, Bank of America, General Motors, Visa, Nordstroms, Landlords and predatory lenders, etc. As such, you make these conglomerates richer, every day. Worse, you remain an economic slave of our U.S. Gestapo, the Fortune 500 and Wall Street Bankers. However, Here is Something Few Know For instance, when you “frame” a house note correctly, you can pay-off a 30-year mortgage in 8.5 years on your current income. More importantly, you can “frame” any debt you have! Next, through a little-known federal law, with one sentence, you can legally stop all creditors and collection agents from contacting you for 2-to-4 months. (If contact persist sue for triple damages under another law very few know of.) What's more, on page 72 of “Secrets Of The MoneyChangers”, you will find a letter you can use to achieve this goal. FYI: This is a letter the author charges millionaire businessmen $1,500 to write. Now, over the next 120 days, “You Save Your Money!” Why? Because here's your next step. With cash in hand, you are in a position to negotiate for yourself a neutral to satisfactory credit rating, and settle your debts for only pennies on the dollar. This is how you “Ethically and Knowledgeably” achieve a Debt-to-Income Ratio of 49% or lower. This is how you keep, manage and control the majority of all the money you ever earn. The above is a mission critical secret to Big Money and Real Wealth. “Control the attack. Do not confront strength but maneuver around it.” —(Edward Luttwak, The Pentagon and the Art of War) Does the IRS take $100 or more from you in taxes every payday? On average, the IRS (at the behest of predatory politicians) will fleece every working man and woman out of $250,000 to $1.2 million over their lifetime. Conversely, billionaire H. Ross Perot recently paid a measly 8% in taxes on his yearly multi-million dollar income. Thus, Perot pocketed 92% of every dollar he earned. Think about it. Why can't you find and capitalize on the same savvy tax methods Perot uses? Do you have a problem saving and investing 30% of your money? Are you barely getting by? Do you have less than 3 sources of income? Do you struggle from paycheck to paycheck? An African-American woman, Oseloa McCarty was raised in the South. As a youth, Oseloa was forced to quit elementary school and care for her sick aunt. As a domestic worker, Oseloa never made more than the minimum wage. Throughout her life, she faced extreme prejudice, and opportunities for Blacks were indeed, few. Nevertheless, Oseloa recently donated a gift of $150,000 to the University of South Mississippi. And there still remains well over 6-figures in her bulging bank accounts. Gladys Holm was never married and worked as a secretary throughout her entire life. Not once did Gladys earn more than $15,000 a year. Yet, she managed to amass an $18 million fortune. All of which, upon her death, was donated to Children's Hospital. What economic secret did Gladys Holm take to her grave? Better yet, how does Oseloa McCarty amass a small fortune on such a tiny income? To be sure, go to www.efobi.com. They are a wealth and reservoir of free information. “Foreknowledge cannot be elicited from the spirits, nor from the gods ...nor from calculations. It must be obtained from men who know.” (–Sun Tzu) James Hart is chief economist and general counsel at the prestigious investment and consulting firm of Credit Suisse Acceptance Trust. You can reach him at [email protected].