Pay bills and be mortgage free by abdul hariri

Pay Bills and Be MortgageFree! A Sure-fire Way to Pay Off Your Mortgage Faster Saving Thereby Thousands of Dollars

Abdul M Hariri

Copyright ÂŠ 2012 by bestalternativetomortgage.weebly.com All rights reserved. No part of this publication may be reproduced or transmitted in any form or by any means, electronic, or mechanical, including photocopying, recording, or by any information storage and retrieval system.

Presented and Published by: Abdul M. Hariri and bestalternativetomortgage.weebly.com

The information herein is for general educational purposes only and should not be construed as a substitute for professional advice. Nothing in this action guide should be considered personalized investment advice even though it may answer your general questions; the author is not licensed under securities laws to address your particular investment situation. No communication to you should be deemed as personalized investment advice.

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Contents: About the Author ............................................................................................................................ page 5 Abdul Hariri’s background and experience, subject credibility and goals for this e-book. Introduction ………………………………………………………………………………………………………………………………. page 6 The deep and broad problem of mortgage debt, amortized over time simply expands exponentially. This burgeoning problem explained. The Best Solution: Pay off our mortgage early …………………………………………………………………………...... page 7 Saving thousands of dollars is quite possible when a mortgage is paid off even just 5 or 10 years early. History of the mortgage ………………………………………………………………………………………………………... page 8-10 How the history of the mortgage, paying bills and bank system have set up the life we live today. A simple and enlightening explanation! Household Bills Overview ……………………………………………………………………………………………………… page 11-13 A worksheet outlining our monthly expenses in comparison to the average service/utility bills spent by the typical North American family. The existing State of Affaires ………………………………………………………………………………………………… page 14-16 What is happening today with our bills? What is the relationship between the bills we pay and the money we are pouring down the drain? Major Trends Today …………………………………………………………………………………………………………... page 17-22 How the trends in business, telecommunications and marketing arenas are applicable to our chance to transform our draining bill-paying habits into increased income and wealth. A Modern Day Gold Rush………………………………………………………………………………………………….. page 23-31 The method by which we have the opportunity to transform dollar-draining bill paying with a wealth-increasing income-generating opportunity!

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The Power of Leveraged Effort …………………………………………………………………………………………… page 31-33 An ancient proverb with modern applications. What pain are you ready to fix? ……………………………………………………………………………………………. page 34-36 Ready to reclaim your big dreams? By carefully outlining the horizon we’re all searching for, each in our own way, we’ll dedicate better effort to these dreams & achieve them! Conclusion …………………………………………………………………………………………………………………………… page 37-38

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About the Author: Abdul M. Hariri is an engineer and holds four Master’s degrees in various fields from Russia, Macedonia, Japan, and Canada. After finishing his latest degree and spending more than 20 years working for others, Abdul is building his own successful business. The benefits of leveraging one’s own time, money, and effort along with other people’s time, money, and effort led him to relationship marketing. Here in this special report, Abdul will share a common sense, no brainer model to help you save money while literally making money from your home bills. This model has changed and saved the lives of people from many all backgrounds ranging from professors, physicians, lawyers, engineers, IT professionals, businessmen, former NHL and NBA players, and students. While researching for this e-book, Abdul read and watched testimonials from people who were able to buy their dream homes without resorting to a mortgage as well as success stories from people who paid off their mortgages years and years early, saving thousands of dollars thereby. In fact, many were able to completely pay off their debts and mortgage in 3-5 years using these methods. Other books by the author: Pay Bills and Grow Rich: When Paying Bills Becomes a Pleasure https://issuu.com/amh777/docs/pay_bills_and_grow_rich

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Introduction It seems obvious to us that purchasing a home is a wise investment. Instead of pouring our hard earned money into the never-full and always-hungry hold of renting, purchasing a home is building worth—both sentimental and literal. The accepted fact that homes are one of the few guaranteed sources of increasing equity seems to remain true even after the latest bumps in the economic world around us. The normal mortgage is taken out for a period of 25-30 years and many folks take 2nd or 3rd mortgages to cover their expenses or improvements on their properties. The problem with this traditional dream is that this form of investment is still debt. The longer we take out a mortgage for and the longer we pay on our homes (including 2nd or 3rd home loans) the more they will cost us. In fact, according to the article ‘How much home can you afford’ the author states that at the end of a 25 year amortized mortgage we will have paid twice the original price of a home! And if we amortize for 40 years the price will have TRIPLED by the time we pay it off across all that time. (http://www.gailvazoxlade.com/articles/home_sweet_home/afford_how_much_home.html) So, not only have we taken on a debt burden with it’s stress and worries but we’ve also hooked ourselves to a commitment that could, in the end, cost us 3x our dream homes original price! Is there a better way?

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Best solution: Pay off our mortgage early Even shortening the length of our mortgage by 5 or 10 years can knock off tens of thousands of dollars of the total amount! Even if you don’t have an extra ten thousand sitting in the bank, most advisors recommend switching to a bi-monthly payment plan. This will automatically help you make several extra payments each year. If you do this plus add an extra $10 or $20 each payment you can save thousands of dollars off the end of your mortgage and pay off your loan 4 or 5 years early. The difficulty lies in finding the extra income to accomplish these goals. Even a modest increase of twice monthly payments takes twice as much money in our bank each month. And many of us are already struggling just to keep food on the table or meet our monthly expenses. The solution I’m going to share with you has the potential to boost your income growth in 3-5 years to levels that you’d have to work a lifetime in a Fortune 500 company to achieve. Can you imagine the impact you’d be able to make on your mortgage with this type of income increase?

Disclaimer: Disclaimer: the income in this model cannot be guaranteed and if it worked for others

there is no guarantee that it will work for you. It totally depends on the effort of the individual.

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History of Mortgage As far back as 1190 a mortgage has been necessary for folks to afford their own home. And the basics of this partnership between individuals and banking institutions haven’t changed much. Unlike other types of debt, property loans had intrinsic value. The property always stood in stead for the money required to purchase the property and buildings on this property. This made it possible for people with smaller, incremental incomes to afford the high value of property. Some interesting trivia. Back in the old-old days most down payments were 50% and the time periods for a mortgage were just ten years. Whatever amount wasn’t paid off in that time period was refinanced. The present forms of home loans came into effect between the 1930’s and 1950’s as the government in America and Canada became more involved in mortgage processing. The idea was that home ownership should be accessible for more people. By the mid-50’s both the US and Canada had passed Fair Housing Acts guaranteeing certain home loans and expanding the accessibility of home ownership to Veteran’s and other people groups. So, in the broad scheme of things, the mortgage industry was taken from the hands of small town banks and groups of people supporting one another and placed in the hands of huge banks, governments and institutions. Over the years interest rates have gone up and down again. The great Real Estate Bubble of 2008 has popped and fraud and foreclosures have been multiplying. This isn’t only the result of folks buying above their earning ability but because of the manipulation of the mortgage industry by big banks. These actions of higher home values and more and more mortgages means that there are many more of us out there trying to pay of our home loans than ever before.

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Paying Bills Whether we have a mortgage or ‘just’ a rent payment we all have a huge stack of monthly bills to keep track up with. Not only do we have our mortgage payment, interest payments, insurance payments and property taxes but we also have all the ‘living’ bills to tackle. The many stories of families hit by unexpected layoffs and home foreclosures over the past few years are truly heart breaking. Over and over we hear of the family where both adults had a great career and a loved lifestyle only to discover that nothing is permanent. Even doctors and lawyers these days have income anxiety. The news reports regularly of nurses or doctors striking over pay or even quitting altogether due to work conditions, insurance fees and inadequate pay for the hours worked.

Maybe you’ve experienced cut-backs or even a lay of yourself. The numbers are staggering. None of us is immune to this global shake up in our economy. Higher prices. Less work to go around. Soon we’re worrying about how to make ends meet and keep our home, just like so many others. The problem is simply this…. many of us have stayed stuck in an old model of slave-away-for-our-pay check then pay it all out to our monthly bills modus operandi! Earn it. Pay it. Earn it. Pay it. Earn it. Pay it.

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Is there no better way?

Most of us spend life chasing the buck, barely paying our bills pay check to pay check while wealth runs away from us. This is reason #1 that we’re struggling to get the bills paid every month instead of building wealth and living in abundance = many of us have not known how to put the power of leveraging to use in our own lives. This all sounds great, you say, but what am I supposed to do about it now? Let’s take a closer look at our bill paying habits first: We seem to waste a lot of time, energy and yes, money paying bills day in and day out, year after year. It feels inevitable, a burden we are forced to endure. And we are afraid that we’ll never escape this endless cycle. And to add insult to the injury the fees and amounts keep increasing! The average household in North America and Europe spends approximately $500 per month for their home services above and beyond their housing expenses (rent or mortgage payments). This includes phone and long distance, cellphones (usually 2-4 in each household), Internet services, satellite TV, hydro, gas, and other utilities. That amounts to $6,000 per year and $240,000 or more during our life span. Here is a quick exercise for you. List the monthly bills you pay, on average. Let’s come up with a bottom line number for your own home. Don’t worry about exact numbers, just use approximate values here to get a sense of the big picture.

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Household Bills Overview Exercise

House Expenses Mortgage payment

_______________________

Insurance costs

_______________________

Taxes

_______________________

Upkeep

_______________________

Total House Expenses___________________________

Monthly Bills

Local and Long Distance Phone ________________________

Electricity

_____________________________

Water/Gas

_____________________________

Internet Access

_____________________________

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Wireless/Cell Phones

_____________________________

Satellite or Cable TV

_____________________________

Home/Personal Security ____________________________

Grand Total ______________________________ (Add House plus Bills to find this number)

Are you above or below the ‘typical home’ amount listed in the previous paragraph? To get a clearer picture, multiply your Grand Total by 12. Yearly Grand Total

____________________

This is your yearly expenditure in utilities and services & mortgage costs. More than you thought? Even I was surprised when I did this exercise! Now let’s really lay it all out there. Multiply your yearly grand total by 40 …the typical length of working/paying lifespan. Life Grand Total

_____________________

Wow!

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Thank you notes?

And while we’re all buying these services, no home service provider sends us a Thank You note, do they? Or if they do, it’s a mass produced Christmas card! I’ve gotten a ‘thank you’ note from my bank from time to time. Yet often these ‘customer service’ companies offer much less than true service, right? I can count on one hand the helpful connections I’ve made with big customer service departments. So, what would you do if paying your bills could not only become a pleasant experience but actually began to increase your wealth—month after month, year after year? What if you could expand your equity from only residing in your home and expand to all your bills? What if you could harness the power that the super-rich use every single year, the power of leverage, to become even wealthier?

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The Existing State of Affaires

It’s been said that there are two certainties in life: death and taxes. However, there seems to be a third one, i.e. bills. In addition to our chosen home loans and house upkeep we all still live with other bills. And then our kids bring more bills with their cellphones and downloading from the Internet. It seems that companies have made it their mission to sign us up for one subscription or service after another.

We continue paying bills habitually, unconsciously, and often almost mindlessly. What good is it to think too much about these basics and necessities? We can’t live without a phone or electricity so why bother really thinking about how all of this works?

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While bills are a headacheâ&#x20AC;Ś

What many of us have forgotten is that we, as consumers, are the main player in the utility and service chain. We keep making these companies rich! They impose the price they want and then keep increasing it. And often, we feel like helpless victims. It makes sense to us that interest is the price we pay for a home loan. At the same time we try everything possible to lower the amount of fees and costs associated with our investment. What if we applied this same principle to our service bills? We do need these services. Who can live without some sort of phone and technology these days? But we resent the prices we pay, just as we resent the fees and interest associated with our mortgages. In fact we not only resent the fees for the services we must have each month, these exorbitant prices seem to just drain holes in the bottom of our pockets altogether! To work we must have Internet access, yet the money we earn from

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working seem to go down the drain as we pay for that same Internet access. It seems like an endless cycle. Right? The following pictures depicts where our hard earned money gets wiped down the drain:

Phone service, cell service, Internet service, TV service, Electricity to power it all…and there goes all our hard earned dollars. Even in a growing economy this is true. Today in our current world, the drain on our dwindling incomes is even greater!

Later, I will show you how this picture can be turned around so that dollars flow back to you from these often dollar-draining bills. First, let’s outline the situation we’re facing in the world today. The following trends and business realities apply to all of us.

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Major Trends Today Instead of focusing only on the mortgage industry with its politics, history and complications, lets look at some of the broader trends in the world today. Dr. Denis Waitly, who spent much of his thirty-year career studying champions in many fields such as Apollo Astronauts to Olympic athletes as well as Fortune 500 business owners all the way to small business owners, says that at any given time there are emerging trends in society that can drive the next product or services that will be successful. Today the following major trends emerge as several factors are coming together in the arena of bills and our economy. And yes. All of these apply to our daily lives!

1. Deregulation:

Deregulation in telecommunications and energy is global. No longer can monopolies force their services or prices on us. In years past utility companies in particular had cart blanche regarding their fees. When ‘Ma Bell’ owned every phone company in America, for example, there was no competition to reign in their pricing. This all began to change in 1969 with the first challenge to Ma Bell’s monopoly and over the next several decades monopolies were broken down again and again. From a business perspective, this deregulation means that others can ‘get in on’ the telecommunications markets. No longer are these huge business areas only open to the ‘Ma Bell’s’ of the world. This telecommunications market, comprising phone service, wireless phone/data service and even cable or satellite TV is, worldwide, a $1.75 trillion market. Wouldn’t you like a piece of that pie? Copyright ©2012 bestalternativetomortgage.weebly.com and Abdul M. Hariri

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2. Everything is Going Digital:

Not only are we no longer using photo film cameras the companies which used to monopolize this arena are downsizing due to the digital boom. The Kodak Company recently (NPR Morning Addition story on February 10th 2012) announced that it will no longer produce any cameras—digital or film. In fact they’ve filed for bankruptcy protection as a result of struggling to make the navigation from the film-world to the digital world. Beyond this dramatic transition from film-to-digital other digital services are becoming more and more commonplace as well. VOIP or Voice Over Internet Protocol, where telephone calls are now easily made over computer networks instead of limited to phone lines, is exploding in popularity and accessibility. These transitions in the telecommunications world provide incomparable opportunities for small business owners and entrepreneurs to ‘get ahead’ in many more ways than existed just a few years ago.

3. An Empowered Consumer:

The consumer is increasingly “going direct” – purchasing goods and services based upon a direct relationship with the provider. The middlemen- from wholesale to retailers- is quickly being bypassed. (Denis Waitly). The Internet has boosted this phenomenon dramatically! Instead of going into a retail store to meet with a salesperson when purchasing cell phones or a service plan for example, many of us simply jump on the ‘net, Google the product and do our own legwork. The focus of even the biggest companies has also changed. Instead of investing their time, money and energy in middlemen they’ve moved to Copyright ©2012 bestalternativetomortgage.weebly.com and Abdul M. Hariri

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investing in their customers directly. From engaging marketing, social media interactions and special incentives, every telecommunications and service company is dedicated to retaining loyal customers

4. Networking:

These days traditional advertising is giving way to social networking both online and off. Big business has seen greater Return on Investment (or ROI) for their efforts on Twitter or Facebook, and most recently Pinterest, than for any other advertising medium. Not only do they appreciate the ROI but the opportunity to connect with their customers much more directly increases brand loyalty. At a recent summit of marketing professionals and Facebook creators/engineers some pretty big names were talking about the switch from big, impersonal branding to personal ‘story telling’ using social networking. They mentioned over and over again the power of our friends and family’s recommendations. When someone we know shares their story of interacting, even with a company as ‘huge’ as Macy’s or American Express, we value this much more than a bill board ad or TV commercial. This revolution in personal-to-business and business-to-personal communications is bringing opportunities to individuals that we’ve never had in the past. Not only can entrepreneurs access the same marketing arenas that were once only available to companies with millions in advertising budgets, now big businesses are interested —more than ever before—in partnering with individuals to reach our friends & family through us. All while sharing the revenue they’re bringing in for the privilege. In a recent exploration of this topic by the popular marketing/research website Machable they stated the following statistics. 83% of Companies say that Facebook interactions are VERY important to their business and the costs associated with inbound (or person-to-person Copyright ©2012 bestalternativetomortgage.weebly.com and Abdul M. Hariri

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social media marketing via recommendations, shares etc.) marketing are 62% less than any other type of marketing. The ‘new marketing’ businesses value most is interactive, initiated by personal and authentic connections instead of random TV or magazine ads, for example. 44% of mailings aren’t opened and young people won’t even stick around for intrusive ads online. The new age of interactive marketing means that these formerly monolithic, top-down companies need you! (http://mashable.com/2011/10/30/inbound-outbound-marketing/)

5. Ongoing Recession:

The following chart on the next page (by businessinsider.com) is called the scariest job chart ever. But don’t panic yet! This is actually good news for out-of-the-box thinkers like us! The red line is the current recession and shows the growth or lack thereof, of jobs throughout the months of various recessions over the years. As you can easily see, during the majority of recessions in our nations history, we’ve bounced back rather quickly (look for the sharp V-shapes). However, in our current recession we are mimicking the very slow job regrowth of more recent recessions (such as in 1990 or 2001). This confirms what many of us feel in our gut—the traditional means of finding the next great job or career track isn’t going to be what gets this economy or our own little worlds back to good. The world around us isn’t going to hand us a neatly packaged solution. At least not a solution that arrives in the same-old packaging anyway.

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6. Price Increases:

We’ve all heard the repeated news stories on increasing energy prices. Last year CBC published a story called ‘Electric Shocker: Power prices set to rise sharply’ which detailed a study declaring that the average cost per kilowatt-hour across Canada will rise by more than 50% by the year 2020! Already prices have increased dramatically since 2003 but Tom Adams, an energy analyst, stated that this is just the beginning and it’s going to be painful.” (Ottawa Citizen August 22, 2010) ‘We are talking about hundreds of dollars a year out of your pocketbook that didn’t need to happen. I’m livid about it.’ Adams says. Copyright ©2012 bestalternativetomortgage.weebly.com and Abdul M. Hariri

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We don’t have to look far to discover these trends already happening. In a recent article in BloombergBusinessWeek.com where the details of Canada’s Consumer Price index were discussed, the following statistics were outlined: the over all cost of energy in Canada increased by 7.2% in the 12 months leading up to February of this year. And just in February energy costs jumped an incredible 6.5%. The highest cost increases were in electricity and gas. In an article released March 22, 2012 in The Globe and Mail it stated that the energy prices in Alberta doubled over this past winter. Yes. Doubled. This is just a rough outline but we’ve all seen this personally when our monthly bills seem to go up and up no matter where we are in the world. As global population increases we collectively need more energy. There seems to be no good answers.

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A Modern Day Gold Rush Now let’s take a look at a Gold Rush you may have missed in all the hustle and bustle of our daily lives. We’ve outlined how frustrating and continuous our utility and service bills are in our daily, monthly and yearly budgets, right? Have you considered who is making money off of these ongoing bills? We all have seen the rise in prices and listened to ‘big business’ tell us why their costs have gone up and why we must pay more. But have we considered how we might not only pay these bills but partner with these companies to reap a portion of their profits? In Household Gold, Dr. Steve Price points to the average consumers understanding of Equity. We all recognize that there is equity in property right? All the greater equity when we have the ability to pay off our home or property loans early. The difference between the worth of the property and the amount still owed on a property is the equity—or literal dollar amount of value it literally holds. Right? Each utility bill or service payment has a similar value. Take the cost to the company to provide this service, add on the overhead each company provides to manage the service or utility and then on top of this is a profit margin. Have you considered the possibility of sharing in the profit margins these companies generate? This would be profit-equity! Equity in each service or utility payment you send to the company and a share in the equity-payments of other customers. Not only does this model incorporate value sharing in a huge industry but it also allows for leveraging…combining the efforts and values of many people to provide even greater returns for your bills. That sounds pretty good, right? Copyright ©2012 bestalternativetomortgage.weebly.com and Abdul M. Hariri

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But what do all these trends mean to you?

Warren Buffet, the second richest man in the world, says this; “energy deregulation will be the largest transfer of wealth in the history of the world.”

What does he mean? Simply put, the changes in regulation of these formerly monolithic companies combined with the technological boom and digitalization of the communications industry means that there is a very unique opportunity for us consumers to save money and earn money by educating others about their true options for capitalizing on these changing trends. This ‘transfer of wealth’ he’s talking about is the literal transfer of monolithic wealth, where just a few have access to 99% of the wealth in the world, to personal wealth…where true wealth is available to many more of us. This is, of course, IF we take advantage of these openings in the market today.

Move from Industry to Technology to Knowledge

The bottom line of the “Scariest job chart ever” mentioned in the previous chapter is that the industrial revolution is over. During this time period those who created goods or products generated the bulk of wealth in developed countries. And the only avenue to increased income was big business. The wealthy, who already had money, made more money by developing and producing more things. Now we are entering the performance world, where there are no limits to your earning potential. It’s no longer what we make (products) but what we know (how things in this economy work) that propels everyone from the smallest business or entrepreneur to the wealthiest people on the planet to even greater wealth. Copyright ©2012 bestalternativetomortgage.weebly.com and Abdul M. Hariri

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Very simply put, the same tools and strategies used by Warren Buffet and Bill Gates are available to you and me as a result of the changing and shifting trends around us. (See Eric Worre founder of NetWorkMarketingPro.com)

This is an arena where all of us can compete because the playing field has finally been levelled. With social networking and personal networking invaluable to even the largest service providers the formerly exclusive arenas of telecommunications, utility services and other monthly must-have services are now open for us all! No longer must we only pay in to these never-ending services, we can also earn income as we educate others on how they too can save and earn while they spend! Now there is a method you can use to turn the table around on your monthly payments and share some of the profits the biggest home service companies are pulling in day after day. Not only can you start paying yourself and your family by partnering with these companies, you can share this ‘Hidden Gold Rush’ with others—increasing the blessing and wealth for other families as well. Now gold is really on the table ready for the taking.

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The nitty-gritty…how does this WORK?

You have the right to market utility, telecommunications, data and other services worldwide. How is this possible?! Imagine that there was an online store where you had access to great deals on all the telecommunications and home services you use every day. I don’t know about you, but I’d be jumping on this opportunity to customize and personalize the services I am already paying for. Now imagine that this store would invite you to be a partner with brand name companies in North America, Europe, Australia and even Asia. So that now every time someone signs up for service, you are paid a share of his or her monthly bills? In fact, the framework for this system is so smooth that the conversion of foreign currencies is automatic and simple. Having customers in different countries across the globe has never been simpler. In the next chapter all the 23 countries currently open for this opportunity are listed. Look for your country! Not only that, imagine that you are also offered the possibility of ‘franchising’ this online store to others as well. This means that you will help others on all four continents open a store like yours so they can earn money as their customers pay their monthly bills as well. Just think. You have the opportunity to provide the ‘oxygen’ services to others that they’re already paying. These are services no one can live without! It’s already in the monthly budget of everyone. As we said above—we all pay these bills every month, every year. This small business model simply takes advantage of all the trends we’ve been talking about—deregulation, digitalization and globalization of social & personal networking—bringing these innovations to a personal store front you run yourself.

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This is not an imaginary business model. In fact, this dream of putting you right in the center of this $2.75 Trillion PLUS market place is LIVE and rolling right now. There are professionals, homemakers, entrepreneurs and celebrities joining this marketplace one by one, sharing this opportunity to jump into a world that was once only open to monopolies. Who wouldn’t want to earn money from their own monthly bills? And wouldn’t you rather support the wealth of your friends than some big, faceless enterprise?

What are these services?

Let’s get even more specific. You might be asking, what types of services are we really talking about here? And I can guarantee that you’ll be surprised by this list. Yes, the biggest and best global providers of the following services are ready to partner with you!  Local and long distance phone service

 High speed Internet

 Wireless & cell service

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 Satellite TV

 Digital phone service

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 Home Security

 And Energy services including

 Electricity

 Gas

All of these service providers (yes, the big brand name service providers— we aren’t allowed to use their logos at this introductory stage) are excited to share with you the revenue you bring to their companies. Copyright ©2012 bestalternativetomortgage.weebly.com and Abdul M. Hariri

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They are acknowledging their limitations…they can’t personally email your friends or check in with your family members to see how their service is going. What they can’t do, you do every day—recommend your favourite services to those you know and those you meet. They’ll share with you the revenue you bring in—both by purchasing services yourself and the services those you refer purchase through your online store—as the biggest THANK YOU you’ve ever gotten from a service company.

Global Reach

The global reach of this model and the possibilities of the Internet age make this opportunity even more dynamic today. Think of an online store for all these monthly bills that is open in all the following countries… North America:

US-Canada

Europe:

Austria- Belgium -Czech Republic - DenmarkFinland- FranceHungary- Germany- Ireland- Italy- Netherlands- NorwayPoland- Portugal- Spain- Sweden- Switzerland- UK

Asia And Pacific:

Australia- New Zealand- South Korea

Can you see the power in this concept now?

With this model, people from all backgrounds and professions are turning their monthly expenses into real and powerful income. Consider the exponential capacity of turning your yearly income into a monthly income? How would this change your life? Think about having a monthly income of $75,000!

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Just think of the magnified income increase this modal has the power of generating. Instead of a money-drain these same service/energy bills become a powerful source of revenue, becoming a downpour of dollars instead!

The power of leveraged effort

You might be thinking about the power of the combination of today’s trends and this unique opportunity to earn an income from the bills we’re all paying every day. But then maybe you’re wondering how you could possibly do enough yourself to reach enough people to make a success of your own internet store front. Maybe you’re thinking: ‘This is a great idea, if I knew a few dozen people in a bunch of countries. That’s just not me though.’ I hear you! Big ideas take big numbers, right? Lots of people, contacts and connections. At first glance this seems logical. Before you throw in the towel and give up, let me share with you a story from a book called The Millionaire Fastlane by MJ Demarco. Without boring you with a zillion details let me set the scene really quickly for you. There are two young men named Ajur and Chuma. (This is a true story, by the way.) They are the nephews of a great Egyptian Pharaoh. Their uncle challenges them to build Egypt 2 huge Pyramids. Once their mission is complete they’ll be honoured with instant kingship, riches, glory…they will have it made!

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The only problem is, of course, that this task is literally monumental. These young boys are determined to succeed at any cost, however. And soon they’re off to conquer their challenge. After a few months Ajur’s project is already starting to take shape. There are stones marking the base of his Pyramid and he’s hard at work building his strength to raise the second level. Chuma however is nowhere to be seen. His designated section of the desert is still a barren wasteland. One day Ajur stops by Chuma’s dwelling to find him fiddling with a contraption. ‘What are you doing?’ Ajur asks Chuma. Grunting something under his breath Chuma just keeps fiddling away with the pulleys and wires of his contraption. Ajur tries to give Chuma some good advice. ‘Look Chuma, you need to get out there and start building. I’d love to beat you at our little competition but you’ve got to give me something to compete with. This hiding away is just plain embarrassing brother!’ At that Ajur marches back to his project site, engages the local strength trainer and begins intensive training to strengthen him for the next stage of building. Months and months go by. In fact, 3 years go by! (Maybe you see where this story is going?) Ajur is hard at work on his third level by now and finding the going very, very slow. Dragging each stone up by hand is incredibly difficult. One day, while Ajur is taking a break, sitting on his second level looking at the 3 huge stones on the 3rd level…and the huge spaces waiting for many more stones….a movement over on Chuma’s project site catches his attention. He looks more closely. It’s as if Chuma’s entire foundation level have appeared magically overnight. And there are stones crawling up to the 2nd level all by themselves.

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Of course, Ajur isn’t the only one to have noticed this miracle. Crowds of people begin to gather as he rushes across the desert floor to see what exactly is taking place at his brother’s building site. As he gets closer he begins to see a huge version of Chuma’s strange contraption effortlessly lifting each stone into place. The outcome at the end of this story is simple: what Ajur could not complete in a lifetime – 40 years—Chuma simply completed in 6 years using his leveraged effort! This same power is available to you! As you open your online store and show others the pathway to their own earning ability you aren’t limited to the people you already know or the efforts you can accomplish alone. Built in to this opportunity are methods of leveraging. Do you know two people who could benefit from the best deals on their monthly bills and who’d know two people to share this method with? Well, now. You are off and running using Chuma’s leveraging power.

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What Pain in Your Life Do You need to Fix? Before leveraging power even comes online for us we must identify what bothersome problem needs to be solved in our lives. Before we lay out a game plan or create a goal list we need to know where to clearly aim this power. Even a million dollars won’t have much effect if we don’t have a clear purpose for this wealth! See this global online store for home services, where you can sign up for your own services at the best rates and direct family, friends, neighbours, coworkers, acquaintances, to create their own online stores or sign up to be your customers, is like a gold mine of a million dollars sitting there, waiting for you to dig it on out of there! You can achieve in 3-5 years with this method what you cannot achieve using traditional career paths in 40 years. Instead of working harder, work smarter …just like Chuma! This concept is not for the misguided or unguided person. It’s too easy to fall back on our old ways of doing things if we don’t have a crystal clear pathway…a big enough WHY for our efforts and plans. Where we started with this book was a discussion of home loans, mortgages and the big dream of owning our own home without paying the bank 2 or 3 times the homes original cost. Without question the ability to save tens of thousands of dollars off the price of our home would make a huge difference in our lives right? My challenge to you today is to explore fully what this ‘pay off my home’ dream really means to you. What are all those other dreams that come alongside this focus point for you and your family? The more clearly we outline all of this the more powerfully we can focus the power of this model on the solutions we need to create for ourselves. Below is a list of big dreams I’ve heard about from people…which fit with your big dreams?

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 Deep desire to get out of debt  A mortgage you are ready to pay off  Better yet, buy your dream home with cash  Is there a cause that is close to your heart?  Maybe you have a crystal clear picture of the car you’re ready to drive  Are your kids headed to University?  Is there a lifestyle or retirement plan you’re dedicated to?

 Parents or disabled family members to support  World travel  Quantity time with your family  Mission trips or adventure trips  Maybe your dream is to have just one income in your home, so the kids will have a full-time parent  Are you ready to wake up on your schedule instead of punching the clock day in and day out?  Maybe your dream is to change the financial future of your family permanently  Or healing the local economy, building another small business (or big business) and hiring the best of the best to create the next _________________ big idea! Copyright ©2012 bestalternativetomortgage.weebly.com and Abdul M. Hariri

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 Is there a burning in your soul to change things?  Or maybe another $500 - $1000 would completely transform your life from near-poverty to getting-by comfortably for once. As we talked about near the beginning of this quick e-book, there are so many of us who’ve found ourselves disappointed and stuck in today’s economy. We’ve done what they told us to do—got the degree, stuck with the jobs, stayed true to our families—and found ourselves in the same place (or worse) than when we began. Instead of moving forward in life it seems that we’re just spinning our wheels. Or maybe you’re one of the many who’ve lost nearly everything. A career that died out on you. Or even homes, cars and businesses that disappeared in these tough times. You owe it to your future and your BIG dreams that have almost died away or shrunk smaller than you ever thought you’d put up with to put your best efforts in a place where leveraging power comes into play. It’s clear. It is impossible to boost us from one economic standing to another without a better method than ‘just’ our best effort. So why not put yourself in the best position to move forward faster than you ever could if you found your way back into the world of the corporate grind. In 3-5 years of consistent and determined, leveraged effort you can accomplish what it would take a lifetime of perfect-record work for a Fortune 500 company. We are not talking about no effort. This is not a pie-in-the-sky, sit on your butt scheme to make money without doing anything. What this is about is putting your effort and strength to their best use. Instead of the limited progress you can make on your own, hitch your skills to the booster-rocket of this method! What do you have to lose? Some depression and aimless worry maybe. That’s about it.

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Conclusion

All right, let’s wrap this up. What have we talked about?

 Making a priority of paying off our mortgage as quickly as possible will save us tens of thousands of dollars  Making use of the trends emerging today in technology and deregulation opens up a unique position for entrepreneurs, stay-at-home moms, or on-theside business person to enter this multi-trillion dollar industry  There is a better way to pay our monthly bills….instead of dumping all our blood-sweat-and-tears earned dollars down the drain, let’s harness the power of earning from our monthly bills instead  The unique beauty of this concept is that it does not require you or me (or our friends) to change our habits…we’re already paying for these services  The global reach of these partnerships means that we are not limited to our list of best friends, but can offer our online store ‘best deals’ to friends and contacts across the world  The power of leveraging means that we can accomplish in 3-5 years of dedicated effort what would take the average good-worker a lifetime in a ‘normal’ career track with a Fortune 500 Company!

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Your next step So now what? You’re intrigued and ready to know more. And I’m ready to share the next step with you. Please get in touch with me at my email address so that I can share with you the next step to get you off and running on your superpowerful success story! bestalternativetomortgage@gmail.com

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Resources -

Dr. Denis Waitly: The Biggest Business Trend in Business History. An Article in: It is Time for Netrwork Marketing: The most remarkable form of free enterprise ever created. Edited by: John Milton Fogg. Published by: Leonard Clements, MarketWave, Inc. and Monique Gallagher, Highest Potential. Energy article reference -- http://www.businessweek.com/news/2012-03-23/canadafebruary-consumer-price-index-report-text Alberta Energy article -- http://www.theglobeandmail.com/news/politics/billions-innew-power-lines-and-hundreds-in-monthly-bills-the-price-of-a-boom-for-albertaspowergrid/article2378725/?utm_medium=Feeds%3A%20RSS%2FAtom&utm_source=Home& utm_content=2378725 Warren Buffet photo -http://www.flickr.com/photos/apfriedman/4395169952/sizes/z/in/photostream/ Cover photo -- http://commons.wikimedia.org/wiki/File:Chestnut_Hill_Nice_House.JPG Introduction pic -http://www.flickr.com/photos/demibrooke/4016032748/sizes/z/in/photostream/ Boomerang Kids article/statistics http://www.newyorklife.com/nyl/v/index.jsp?vgnextoid=d0bd47bb939d2210a2b3019d 221024301cacRCRD Phone Service photo -http://www.flickr.com/photos/85638163@N00/4627837492/sizes/z/in/photostream/ High Speed photo -http://www.flickr.com/photos/vauvau/4284175347/sizes/z/in/photostream/ Satellite TV photo -http://www.flickr.com/photos/uggboy/5768751346/sizes/z/in/photostream/ Electricty photo -http://www.flickr.com/photos/lydiashiningbrightly/3319335495/sizes/z/in/photostrea m/ Gas photo -http://www.flickr.com/photos/piddysplace/53469314/sizes/z/in/photostream/ Bill paying photo -http://www.flickr.com/photos/31403417@N00/5928728030/sizes/z/in/photostream/ Cover Photo -- http://commons.wikimedia.org/wiki/File:Bergen-White_wooden_housesmodf.jpeg

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