|
Get Out Of Debt Fast! Perhaps you feel stuck - even though you did all the right things - Feel that you're in a trap, working hard and never able to stop? And when you ask the "experts" ... the consultants, the professionals ... they advise more of the same?
When you ask your friends, it seems everyone is in the same boat – no one is able to give you a real answer.
What is wrong?
If this is your life then the chances are 98% that you are renting your lifestyle and are a prisoner to debt.
The system that promises to teach us how to become financially free is selling us a LIE.
It is sucking us dry and keeping us ignorant about the truth – so it can make more and more money from us by keeping us MODERN DAY SLAVES.
Why do we become slaves?
The system is designed to make us work for other people. Mostly through debt.
Slaves? Through debt? Nobody told us that before! How is it possible?
You're also working for advertisers, marketers, retailers, the media, the government, and even the educational system. I'll tell you more about it as we go on, but you can see that it's coming at you from all sides - no wonder you're battling!
You're already one step closer to ending the slavery, by starting to see where it comes from.
Read on ...
The history of credit will show you why the economy depends on you working hard your whole life long and never getting anywhere. You'll find out why I never read newspapers or watch TV anymore, and why, although I have Masters and PhD degrees (See my CV), I don't believe in conventional education.
We are trained to be in debt, because our economy is built on debt. And the message that is heavily promoted via all sources is …
To enjoy the dream of freedom, work hard, and you will be rewarded. Quicker than you think, because it's your right and duty to borrow money, spend, and never put off till tomorrow what you can enjoy today.
Let me give you just one example. After the 9/11 attacks, New York was a ghost town - but now it's doing better than ever. This is largely due to tourism. The city came up with a marketing strategy: "Paint the town red, white and blue". Splash out. Spend money. Shop. It's your patriotic duty.
"By spreading the notion of patriotic tourism, we were able to get much-needed dollars into our economy," said one hotelier.
Patriotic debt. That's just one kind of debt.
... And so it goes on
All these different kinds of debts have one thing in common: they keep us poor!
I will show you how! Years ago when I worked out how debt was keeping me poor (read my story further on!) I did this little calculation - my bond was R62 500.
I redid the calculations. Surely this couldn't be right? The interest rate was officially 24%. How did the bank manage this bit of trickery?
Nothing normal about normal financial and banking practice!
It's called amortization. A fancy word for legalized theft. The bank charges you mostly interest to begin with, mostly capital in the end. This is normal banking practice. Accepted banking procedure. Normal because they tell us so. (By now I think you're starting to realize that there is nothing normal about it!!)
This is how it works on your bond. On any bond:
That means you only really start paying for your house when you've almost paid it off!
Huh? Sound wrong? To me it does.
Because what happens if, like most people, you move home on average every seven years? (It could be even less - my figures are from when I was in the financial industry.)
Well, what that means is that at no stage have you ever been paying the official interest rate. You've been paying effectively MUCH, MUCH more.
Because by the end of Year seven (month 84) this is what the figures look like as per my example: of the monthly repayment,
· R1,204.59 goes to interest and
· R56.29 goes to capital.
So when the average person sells, he's still paying more than 21 times the interest compared with the capital. Which is an interest rate of 97.80% on the payments paid (Total premiums paid in week 84 = R105913.92. Total capital repaid on bond = R2326.87)
And when he sells he still in at the end of seven years he still owes R60,173.13 on his bond.
In other words he paid R105,913.92 in payments to pay off R2,326.87 in capital.
Why would a person pay R105,913.92 in order to pay off R2326.87 in capital over a seven year period?
Simply because the banks work that way.
The banks are part of the system, and the system must keep you a slave for as long as you are alive – otherwise they do not survive.
They cannot tell you the truth otherwise they will not thrive.
It is as simple as that!
We are always paying more in debt than we think - it is the culprit that's keeping us poor!
That is just one illustration out of hundreds I could give you for why you are paying more in debt that you think and why it keeps you poor!
The good news is ...
You can be free in just a few years' time - including your mortgage and car repayments!
Ending debt will do dramatic things to your cash flow and to your future plans and to your FREEDOM! And it can be done in just a few years, including your mortgage and car repayments!
How?
I hope that my story will help you:
My story - from slavery to freedom.
My name is Dr. Hannes Dreyer and although I am a debt-free Wealth Creator this was not the case in 1984.
In 1984 my life was going well, as I saw it.
I was happily married to Tanja. I had bought her a house. I had bought myself a nice new car. I had put new wooden garage doors on. I was the top-selling Old Mutual salesman in my branch. Tanja was a magistrate. We were a two income family, doing nicely. For a boy who sometimes went to school without shoes and who failed his matric (Grade 12), I was doing more than nicely - I was doing brilliantly.
You could say we were solidly middle class. We had the cars, the house, the income, the lifestyle.
We also had the mortgage, the debt, the car repayment plans.
Like I said ... middle class.
We felt secure. Like the middle class do. And that house of ours was central to our feeling of security.
As a good salesman I was in a strong position. I knew I could easily bring in enough to pay for all of this, every month.
Until something changed.
In February, with tax deadlines at the end of financial tax year, any insurance salesman will tell you that many customers suddenly want to take out retirement annuities with tax benefits.
This was true for one of my clients, who had been buying policies from me for two years at that stage.
We'd discussed his needs, agreed on a product, worked out the figures, and all we needed to do was write out the annuity. But before we could do that, a colleague of mine from the same branch knocked on his door and offered to do it for him - on my behalf.
"Did Hannes send you?" the client asked.
"Yes" was his answer.
So, knowing that the client thought he was there on my behalf, my colleague stole the sale. And got the commission.
I was more than a little angry, as you can imagine. I was not going to be stolen from like that. I told my district manager what had happened but he was not prepared to reverse the commission. Nor was his boss, the branch manager.
The client was just as angry at being duped. He came with me to the police station and signed an affidavit. I took it to my manager.
I was called into the manager's office.
Confident that justice would finally be done, I marched in.
He told me to tell the client I had been wrong - or hand over my car keys AND my house keys and leave, because I was fired as of that minute.
I was paying for the car but it was officially a car allowance and therefore theirs. And they were standing surety for my house, so, like the car, while the bond was all mine, the asset was not!
Well, I went from hero to zero in 10 seconds. Maybe 5.
They had me over a barrel and they knew it. In the short term, it worked because I had to back down.
In the long term, it was a mistake on their part, because in a flash I saw how they worked, and I never went back to my state of "ignorant bliss". And I try to make sure that I liberate as many other people as I can!
It was the end of me being a donkey in harness, reaping them great profits, and minding my business. I determined that day, firstly, to get back at them in the most positive way I could: get free of them; and secondly, to make sure I could never be controlled again.
How could I do that?
By making sure that nobody could take my car, my house, or anything else. And the only way to make sure of that was to eliminate my risk by eliminating my debt.
By making sure that nobody could take my car, my house, or anything else. And the only way to make sure of that was to eliminate my risk by eliminating my debt.
So when my boss did that, he exposed the CORPORATE game to me. And this is the game, in short: Employers have a vested interest in keeping their employees in debt. I saw it at that moment! The person in debt has to keep his job or he loses his house, car, etc! So do advertisers, banks, retailers, the media, even the educational system.
It's not a conspiracy - it's worse. It's a system. Our entire economy is based on it! So every element plays its part:
Our parents pass along the habits - but just in case they remember when it was not normal to live on credit (and there is the danger that they might teach this to their children) society has taught us not to value the wisdom of older people anymore - and it's a short step from there to the neglect of the elderly.
The educational system perpetuates the myths that keep us in debt. Why? Ask yourself who sponsors them? Who do they serve? Increasingly, it's private enterprise.
Merchants want you to want things, whether or not you need them, and they want you to buy them now, whether or not you can afford them.
The media's role is to deliver a captive audience to its advertisers so it's not in their interest to teach the truth - or disgruntled advertisers simply withdraw their money. Most of what they give you is brainwashing, distraction and entertainment even if they call it the news.
Governments, since being persuaded to stop spending money on looking after their people, are partners in fleecing the population.
And then of course banks and other financial and credit institutions make big profits on lending us money.
Everyone in the system has something to lose if we find out the truth. Worse still, even we collude in our own slavery because we prefer ignorant bliss to change! And because we are unaware of the brainwashing.
Do you know that the word mortgage comes from the Old French words mort, "dead," and gage, "pledge." It literally means death pledge. Apparently it was called that because of the doubtfulness of whether the debt would ever be repaid!
To get back to the story –
In the meantime, I did my job. I did it wholeheartedly. I won every prize and certificate there was to win in 1984. And at the black tie affair where they handed me all these trophies, I asked to speak to the area manager who I had been unable to get through to. I told him I had a problem I had been trying to discuss with him for a long time. And you know what he said?
He said "I know all about you and your problem and I want you out of Old Mutual. I don't want people like you in this organization, the sooner you pack your bags the better.”
When I left that night, someone had slashed my tyres.
So this was the insight number two:
Employers are prepared to get rid of anyone - even their star salesman -someone who brings them millions.
- if that person challenges the system.
They don't want you when you know too much and when they feel their little empire is threatened.
In the end they don't want you free or rich or opening your mouth. They want you tied to a job by your debt.
People who are scared of losing their jobs are the most loyal employees.
You can be free in just a few years' time - including your mortgage and car repayments by simply following my Home Study Debt Eradication Course!
What You Will Learn:
In short
Get completely out of debt (including your home mortgage) in just 5 to 8 years - and start building real wealth from the first month
using nothing more than the money you already make!
“How can you say I will be debt free in 5 – 8 years if you do not know my income or my debt?”
It makes almost no difference what your income and debt level are, because the two numbers are usually proportionate --- meaning that, if you have a large income, you'll be granted enough credit to build up a large debt load and if you have a smaller income, you'll only be granted a proportionately smaller total debt load.
The good news is that this ratio of your debts to your income means the Debt Eradication Home Study DVD Course can usually help you pay off your debts with your income in around 5 to 8 years.
Two Typical Case Studies
The average South African household is in debt over 2.6 times its annual income!
Case Study 1:*
If you take a typical R300,000 annual income household, the TOTAL DEBT is about R941,750.This includes the mortgage, cars, credit cards, bank overdrafts and personal loans.
By following the Debt Eradication Home Study DVD Course they could be completely debt-free, owning their home, two cars, and everything else in their lives in just 6 years 10 months!
Case Study 2:*
If you take a typical R216,000 annual household income, their TOTAL DEBT is about R622,200. This includes their mortgage, cars, credit cards and bank overdraft.
By following the Debt Eradication Home Study DVD Course they could be completely debt-free, owning their home, two cars, and everything else in their lives in just 6 years 5 months!
*Results are based on the average situation of people who have participated in the Debt Eradication Life Workshops and are not a guarantee. Participants must purchase the course in order to calculate their own specific figures for themselves - and then follow the course exactly as outlined in order to ensure its success.
WARNING
This Debt Eradication Home Study DVD Course is NOT:
And It IS Not For You If You:
Testimonials
I would realy like to thank Hannes for this day. I always thought finances is a really boring world with people with pens and calculators. For me the financial world was a closed world, but Hannes opened it up and I really think it is worth your while to come to a course like this, experience how you can be free, and be set free in the Financial World. Thank You!
Christiaan
I was so excited to attend this course. This is really what I needed at this time, and I am very excited. I am really sure that I will be debt free very soon, and I will be able to buy more property. Thank you very much Mr Hannes. I am so glad I attended your course. May God bless you!
Emily
I have read plenty of books on Self Improvement, DVD's, attended courses, but nothing that gives you true practical guidance towards your finances. Hopefully you get through the DVD the same that I got from the course!
Gareth
I’ve learned a simple way of accelerating my debt payments. It was interesting to see how to find ways of repaying debt. - Hannes Van Den Berg.
This workshop was an eye-opener, it made me realize how much money is available but is just parked at the “wrong expenses”. By freeing up those funds I believe that one is able to become debt free if they are disciplined enough and they are willing to follow a working formula for riches without breaking the formula. An excellent seminar for all those who are struggling to get out of the rat race and into the fast track - Bongani Sanda.
I now have a plan to get out of what seems to be a hopeless situation. For the 1st time since the interest rates start to go up, I have a clear workable plan to survive and even better! Get out of debt - Willie Botha
When I came to this workshop my perception of debt was completely not what I learned here. If half of the country saw what I saw today we could do a lot more than we are currently doing. NOW I KNOW HOW TO GET OUT OF DEBT AND STAY OUT OF DEBT BECAUSE I UNDERSTAND HOW PEOPLE GET INTO THE DEBT TRAP - Unathi Diniso.
Clear indication that there is a process to be financially independent. I realized how we are badly affected by not taking ownership of our own financial intelligence - Sean Sing
I have really learnt what I need to do to start my way to becoming a warrior against debt. So glad I did it now. I am still young so I feel like I can start my life the right way. I really feel that this is what every young starting out adult should do for themselves and their future. Thank you - Leandri Kruger.
Because of ignorance and not applying my mind one will pay a big price on the mistakes that we have already made. I also wish I could have attended this course before I bought my house, I am glad I have learned so much, I will apply the knowledge in future - Patience Mabunda.
It was an eye opener to realize that I am renting my lifestyle. I am now motivated to start tonight and find the accelerator and eradicate my debt - Ref Makolo.
Who Is The Debt Eradication Home Study DVD Course For?
This course is for you:
How Much Does The Debt Eradication Home Study DVD Cost?
I have a special deal for you...
I'll be frank with you. I have presented this course to a small group of people in South Africa. In all the examples I am using I use the Rand – the South African currency (the Rand which was about ten Rands to the Dollar at the time of recording) The principles I am using are universal principles and they apply in any free democratic country – like the UK, US, Canada, Australia, New Zealand, Botswana, Namibia etc. but because you may find my accent (and Afrikaans humour) unfamiliar...
I will give you the opportunity (for a limited time only) to buy the full One Day DVD Recording for only $375.00
That is it. $375.00
Why a limited time? I have a
So, if you want to learn my secrets to become finically free and lead a debt-free life of total abundance, then make sure you order your copy of the Debt Eradication Home Study DVD Course now for only $375.00!
But this is not all you will get if you order the course now!
You will also get:
FREE Bonus 1:
Property Investments In Uncertain Times DVD
Join me for two hours of inspiring, enlightening, exciting edutainment (Education & Entertainment) where you will find out WHY winners never listen to the crowd!
Value $17.00 FREE Bonus 2:
Spending and Budget Analyzer Program
Excel Spreadsheet This is a really handy tool to help you see where you are spending your hard earned income and if it is going to help you to become financially free so you can do the things you love.
Value $9.95
FREE Bonus 3:
The Science Of Getting Rich
e-Book This is a classic by Wallace D Wattles and although he wrote the book in 1910 the financial principles are just as applicable today as they were then.
Value $7.95
FREE Bonus 4:
Quick Debt Eradications Forecaster™
Excel Spreadsheet This is a really handy tool. It will help you find out exactly where the money is going, and whether it is going to help you get free fast or not!
Value $93.75 FREE Bonus 5:
Formula For Riches – The Difference Between Rich And Poor
e-Book In this e-book you will get the system (theory and practical applications) I used to turn a 79 cents investment into more than R10 MILLION in less than two and a half year without using any of my own security and by applying the Warriors Against Debt Principles. In the process I bought two investment properties without the help of any financial institutions – like banks - Value $39.95
FREE Bonus 6:
BOSS (Bond Optimizer Software Suite)
(ZIP File) The Bond Optimizer Software Suite (BOSS) is a platform for a whole host of bond investment - and debt repayment - calculations. Included you will find the Bond Optimization Software program with 8 calculators to show you how to save thousands on your existing bond.
Value $99.38 Any questions? Need help with your booking?
Call Call Monday to Friday during office hours 08H00 - 16H00 Finally this Debt Eradication
Strategy is available to you... Break free - start now and say goodbye to modern day debt slavery faster than you can imagine!
|