Debt Busters!

Lance Pickett
Strategy: Live without the little things
Advice: Don't go too far -- like trying cloth diapers to save $60
My wife and I owed $18,000 in student loans, $6,000 in car loans, $2,000 in credit cards and $152,000 in my mortgage.
We were living paycheck to paycheck and I was tired of seeing my bank account zero out every month. So we wanted to get out of as much debt as possible as soon as possible. We started by saving an extra 1/12th of our total required expenses -- like mortgage, utilities and Internet -- each month, in order to have one month worth of bills saved up at the end of the year. Then we got excited and doubled that. In three years we had six months of living expenses and threw that into a high interest CD at 5%. That really got us going, seeing the money grow -- and we became obsessed with eliminating debt.
We just really took a look at what we need and only spending money on those things. I used to eat out a lot and that cost me $200 a month. Now we invite friends to "eat-in" at our house. We have a garden and purchase produce from co-op programs. Before we became debt-obsessed we would also get nice Christmas gifts for each other, but now we limit each other to $50.
Now, if there's something we want we put it on our "Dream Board," a cork board by our bedroom door that we see everyday. And it will stay there until we're debt free. It also has the loan schedule for our house, and each month we scratch off a month. Next to the schedule, we post our ultimate "want" that we agree to purchase -- with cash of course -- once our house is paid off. I have a 2010 Camaro waiting for me.
Cutting back so much has been hard, but we've learned a lot along the way. My wife learned some things are worth paying more for after trying to use cloth diapers -- which most people use as burp rags -- pinned inside training pants with plastic pants over them for our two kids, all so that she could reuse the diapers and not spend $60 a month on Pull-ups. As a result they both got horrible rashes, so we switched to a cheaper brand of regular diapers.
Altogether, we've paid off around $90,000 since 2005.

Apartment Building Cash Flow System.

Yes, You CAN Become a Real Estate Millionaire!
Give Me a Few Minutes of Your Time and I'll Show You EXACTLY How!

From Monica Main
Real Estate Wealth Expert
Thursday -- 3:48 p.m.

Dear Future Real Estate Tycoon,

How are you? My name is Monica Main and I'm a self-confessed business opportunity junkie. If you've seen it on late night TV, I have it! Any "system" - from Ron Legrand, John Beck, Carleton Sheets, John T. Reed, Russ Whitney, Robert Allen - I HAVE! I even bought Carleton Sheets' course TWICE! (I couldn't go without the "new and improved" version.) I even have Dave del Dotto's and Tommy Woo's courses from way back when. (Do you remember those two?)

Did any of these get-rich-quick "systems" really work? Yes and no. Some gave me good ideas but NONE were "complete" from start to finish. I had to "cut and paste" from each system to get 70% of what I needed to become successful in real estate. Unfortunately, the other 30% was missing! Then, even worse, I had to "throw out" the 70% I learned and start over from scratch.

Yes, I wanted more than anything to make tons of money with real estate. I knew that owning real estate was the most PROFITABLE way to make money because real estate will never go away and it will ALWAYS keep going up in value. I don't care how "soft" the market is now. Fifteen years from now property will be AT LEAST DOUBLE what it is now. Also, every multi-millionaire, no matter how they made their millions (or billions), owns LOTS OF REAL ESTATE!

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"From $250,000 in Debt to a $3,000,000 Net Worth!"

"My wife has a rare medical condition that tapped us out financially. We had hundreds of thousands of dollars in medical debt and I truthfully didn't see any way out but bankruptcy. I was already investing in property. I had 4 single family homes but the monthly cash flow was pitiful. It was only $320. I believed in real estate but knew there had to be another way!

After finding your secret system I was able to convert those 4 homes into 1 apartment building with 56 units that allowed us to go from a pitiful $320 per month in cash flow to $14,580 per month in cash flow. I ended up doing another 3 deals. One of the buildings I used to flip for cash and paid off all of the medical bills PLUS had $65,000 left over. All I did with the building was paint it and put on a new roof and I was able to resell it for more than $300,000 in profit within a couple of months! And this is just the beginning! Thank you for everything and God bless!" -- Tracy and Ken McNeill of Destin, FL

World's Billionaires 2009

World's Billionaires 2009

© Alex Wong/Getty Images

12. S. Robson Walton Net Worth: $17.6 billion Source: Wal-Mart/U.S. Age: 65 Marital Status: Divorced, remarried; three children

• Wal-Mart remains the exception to the rule in the crumbling retail sector, thanks to its global footprint and deeply discounted prices. Also helping: the exodus of competitors like Circuit City and Linens 'n Things.

© Star Telegram/Blackwell/Sipa Press

12. Alice Walton Net Worth: $17.6 billion Source: Wal-Mart/U.S. Age: 59 Marital Status: Twice divorced

• Wal-Mart remains the exception to the rule in the crumbling retail sector, thanks to its global footprint and deeply discounted prices. Also helping: the exodus of competitors like Circuit City and Linens 'n Things.
• Shares down 25% since September.
• Fourth-quarter profit hurt by lawsuit settlements, poor currency exchange; still beat analyst expectations.
• Stake in solar-paneling outfit First Solar fared far worse; shares down 60% since August after surging 120% in previous 12 months.
• Sam Walton started as J.C. Penney clerk in 1940; opened Newport, Ark., five-and-dime store Benjamin Franklin five years later. Lost lease in 1950.
• With brother James started general store chain in Bentonville, Ark., in 1962.
• Today Wal-Mart is world's largest retailer: 7,200 stores, 2 million employees serve 200 million customers. Sales: $378 billion.
• Alice's Crystal Bridges art museum in Bentonville under construction. Collection already growing; acquisitions include Sargent's "Robert Louis Stevenson and His Wife," Benton's "Ploughing It Under."

© L. Matthew Bowler

12. Christy Walton & family Net Worth: $17.6 billion Source: Wal-Mart/U.S. Age: 54 Marital Status: Widowed, one child

• Wal-Mart remains the exception to the rule in the crumbling retail sector, thanks to its global footprint and deeply discounted prices. Also helping: the exodus of competitors like Circuit City and Linens 'n Things.
• Shares down 25% since September.
• Fourth-quarter profit hurt by lawsuit settlements, poor currency exchange; still beat analyst expectations.
• Stake in solar-paneling outfit First Solar fared far worse; shares down 60% since August after surging 120% in previous 12 months.
• Sam Walton started as J.C. Penney clerk in 1940; opened Newport, Ark., five-and-dime store Benjamin Franklin five years later. Lost lease in 1950.
• With brother James started general store chain in Bentonville, Ark., in 1962.
• Today Wal-Mart is world's largest retailer: 7,200 stores, 2 million employees serve 200 million customers. Sales: $378 billion.
• Christy is the widow of John Walton (died 2005); donated seven-acre San Diego home to Cross Border Philanthropy.

© Sipa/AP Images

15. Bernard Arnault Net Worth: $16.5 billion Source: Luxury goods/France Age: 60 Marital Status: Divorced, remarried; five children

• France's richest man lost $9 billion in the past year, as shares of his $22 billion (sales) luxury goods group, LVMH Moët Hennessy Louis Vuitton, dropped 29%.
• Sailing into new waters: bought Princess Yachts, one of Britain's oldest luxury motorboat manufacturers, last summer; picked up yacht builder Royal van Lent soon after.
• Via his investment arm, Groupe Arnault, owns French tour operator Go Voyages and has a stake in French retailer Carrefour.
• Built Le Cheval Blanc in French ski resort town of Courchevel, where he often likes to spend New Year's Eve.
• Also owns two wineries with good friend, Belgian billionaire Albert Frere.
• Father made small fortune in construction; Arnault put up $15 million from that business to buy Christian Dior in 1985. Still a family affair, as both son Antoine, 31, and daughter, Delphine, 33, sit on LVMH's board.
• Wife is a concert pianist; Arnault himself reported to be an excellent piano player.

© Ted Aljibe/AFP/Getty Images

16. Li Ka-shing Net Worth: $16.2 billion Source: Ports, retail, energy/Hong Kong Age: 80 Marital Status: Widowed, two children

• Net worth of Hong Kong's "Superman" is down $10 billion in the past year, as stock of his publicly traded conglomerates Cheung Kong and Hutchison Whampoa tumbled.
• The two companies are about to start construction on a property project in Shanghai, China.
• HW's retail group plans to open 120 stores in China in 2009.
• Through the two companies, Li is world's largest operator of container terminals, world's largest health and beauty retailer by number of outlets, a major supplier of electricity to Hong Kong, and a real estate developer.
• His second-largest holding: Canadian oil firm Husky Energy, which cut spending by almost a third for 2009.
• Charitable foundation recently raised $510 million by selling 40% of its stake in Bank of China.
• Avid golfer plays almost every day; sank his 15th hole in one in September.
• Poor immigrant sold plastic flowers in Hong Kong in the 1950s.
• Eldest son, Victor, helps him run businesses; son Richard struck out on his own in early 1990s and is a billionaire in his own right.

Source

others:
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Mukesh Ambani

World's Billionaires 2009

© AP Photo

7. Mukesh Ambani Net Worth: $19.5 billion Source: Petrochemicals/India Age: 51 Marital Status: Married, three children

Oversees Reliance Industries, India's most valuable company by market cap, despite stock falling 40% in past year

• Merging his Reliance Petroleum with flagship Reliance Industries. As part of deal, will exercise right to buy back Chevron's 5% stake in Reliance Petroleum at $1.2 per share--the same price at which he sold it three years ago. Today the stock trades for $1.80 a share.
• Increased stake in Reliance Industries last October; paid $3.4 billion to convert 120 million preferential warrants into shares.
• Reliance Petroleum refinery on India's western coast began operating in December despite falling global demand and declining margins.
• Late father Dhirubhai founded Reliance and built it into a massive conglomerate. After he died, Mukesh and his brother, Anil, ran the family business together for a brief time. But siblings feuded over control; mother eventually brokered split of assets. Brothers may be looking to bury hatchet; played joint hosts at mother's recent 75th birthday bash.
• Has yet to move into his 27-story home that he's building at a reported cost of $1 billion.
• Ardent fan of Bollywood films.
• Wife, Nita, oversees school named after his father.

© AP Photo

8. Lakshmi Mittal Net Worth: $19.3 billion Source: Steel/India Age: 58 Marital Status: Married, two children

• Indian immigrant heads world's largest steel company; ArcelorMittal was formed via hostile takeover three years ago.
• Stock in company makes up bulk of his fortune; shares at a four-year low, with steel prices down 75% since last summer.
• Company forced to pay heavy fines after a French antitrust investigation found 10 companies guilty of price-fixing in European steel markets.
• Arcelor posted $2.6 billion loss in most recent quarter; announced plans to slow acquisitions, cut capital expenditures, pay down debt.
• Started in family steel business in the 1970s, branched out on his own in 1994.
• Initially bought up steel mills on the cheap in Eastern Europe. Company bought 19.9% stake in Australia's Macarthur Coal last year.
• Also owns pieces of Mumbai's Indiabulls Group, London's RAB Capital; owns stake in, sits on board of Goldman Sachs.
• Holds substantial cash; owns 12-bedroom mansion in London's posh Kensington neighborhood.

© Kpix

9. Theo Albrecht Net Worth: $18.8 billion Source: Supermarkets/Germany Age: 87 Marital Status: Married, two children

• Runs discount supermarket group Aldi Nord; firm holding up amid economic downturn. Sales expected to hit $31 billion in 2008.
• After World War II he and older brother Karl transformed their mother's corner grocery into Aldi.
• Brothers split ownership in 1961; Karl took the stores in southern Germany, plus the rights to the brand in the U.K., Australia and the U.S. Theo got the northern Germany stores and the rest of Europe.
• Unable to operate Aldi stores in U.S., Theo developed discount food store Trader Joe's; now has more than 320 U.S. stores.
• Also owns stake in Supervalu.
• Became a recluse after being kidnapped for 17 days in 1971; said to collect old typewriters, loves golf.

© MIGUEL RIOPA/AFP/Getty Images

10. Amancio Ortega Net Worth: $18.3 billion Source: Fashion/Spain Age: 73 Marital Status: Divorced, remarried; three children

• Railway worker's son started as a gofer in a shirt store.
• With then wife Rosalia Mera, also now a billionaire, started making dressing gowns and lingerie in their living room.
• Business became one of world's most successful apparel manufacturers.
• Today Inditex has more than 4,000 stores in 71 countries. Sales: $12.3 billion. Ortega is chairman.
• Company exported its cheap chic Zara stores to four new markets last year: Ukraine, South Korea, Montenegro and Honduras.
• Stock up 1% in past 12 months, but fortune down because of weak euro.
• Also has personal investments in gas, tourism, banks and real estate.
• Owns properties in Madrid, Spain; Paris; London; and Lisbon, Portugal; plus a luxury hotel and apartment complex in Miami, a horse-jumping circuit and an interest in a soccer league.
• Shuns neckties and fanfare.
• Daughter Marta works for Inditex; recent speculation suggests she is being groomed to eventually replace her father.

© AARON SKINNER/Bloomberg News /Landov

11. Jim C. Walton Net Worth: $17.8 billion Source: Wal-Mart/U.S. Age: 61 Marital Status: Married, four children

• Wal-Mart remains the exception to the rule in the crumbling retail sector, thanks to its global footprint and deeply discounted prices. Also helping: the exodus of competitors like Circuit City and Linens 'n Things.
• Shares down 25% since September.
• Fourth-quarter profit hurt by lawsuit settlements, poor currency exchange; still beat analyst expectations.
• Stake in solar-paneling outfit First Solar fared far worse; shares down 60% since August after surging 120% in previous 12 months.
• Sam Walton started as J.C. Penney clerk in 1940; opened Newport, Ark., five-and-dime store Benjamin Franklin five years later. Lost lease in 1950.
• With brother James started general store chain in Bentonville, Ark., in 1962.
• Today Wal-Mart is world's largest retailer: 7,200 stores, 2 million employees serve 200 million customers. Sales: $378 billion.
• Jim chairs Arvest Bank Group, Community Publishers.

source


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