According to a study by Parade Magazine, the traditional American Dream is based on the belief that hardworking citizens can better their lives, pay their monthly bills without worry, give their children a start to an even better life and still save enough to live comfortably after they retire. But many average Americans are struggling—squeezed by rising costs, declining wages, credit-card debt and diminished benefits, with little left over to save for retirement.

Ultimately, we would all love to be DEBT FREE and live the American Dream. We ALL want the best for our families.

Have you ever wondered what would your life be like without any debt? Just for a minute try to imagine what it would be like to NOT owe anything to anyone.


Take any 100 people at the start of their working careers. Follow them for 40 years until they reach retirement age, and here’s what you’ll find:

– 54% will be dead broke – dependent on their meager Social Security checks, relatives, friends, and even charity for a minimum standard of living.

– 36% will be dead…have passed away

– 5% will continue working, not because they want to but because they have to.

– 4% will be financially secure.

– Only 1% will be wealthy.

That means only 5% of the work force ends up being financially successful while 95% retire more or less destitute. In short, only 5% of the population have enough to retire by age 65. There will be a high possibility, a 95% possibility that YOU will be either dead or dead broke by 65 years old.

Isn’t that scary?If these stats continue to hold true it means that many will be forced to move in with their kids at retirement. If you’re in your 40’s and still have 30 years left on your mortgage and little saved you best be kind to your children.


YES, I believe it is. But in order to achieve it one must change their mindset.


Discover a powerful program that thousands of Americans are using to eliminate their mortgage and consumer debt fast! Click here now!

charles lenoir


I am sure most of you have heard of the Parker Brothers game called Monopoly. Monopoly is a classic board game that has been around for over 100 years. The object of the game is to become the wealthiest player through buying, renting and selling property.

However, anyone that has played Monopoly long enough will realize that the game offers a lot of financial wisdom and lessons that can be applied to the real world of finance and investing too.

This was a great post circulating on the internet that I wanted to share. It gets at what I have been telling my friends, family and fellow entrepreneurs for years. As a Real Estate Investor and an Entrepreneur I LOVE playing the game of Monopoly.

Here is why…

monopolyMonopoly can teach important economic, academic and social lessons. Let’s break-break the values now;

Economic Lessons of Monopoly

① Make smart investments.
② Build reserve funds.
③ Understand the role of luck. – Take advantage of valuable opportunities and be ready for setbacks.
④ Take risks. – Consider the trade-offs and put your money to the best use.
⑤ Play banker.
Read More

The April 15th, 2014 is Tax Day and it is almost here.

For most Americans the holiday season and tax season are the two seasons we look most forward to.

Ok, I am joking maybe not the holiday season.

Ok, I am joking again. :) Most Americans look forward to Tax Day and the tax season about as much as a trip to the emergency room!

April 15th Tax Day and Tax Deadline

tax day

So have YOU filed yet? Hopefully you have filed already but according to an April 1 study by Rasmussen Reports

quoteOnly 61% of taxpayers had filed two weeks before the deadline. Another 25% said they would file by April 15, and another 7% planned to ask for an extension.”

So why do so many people wait until the last minute to file their taxes?

There are two main reasons people wait until the last minute to file taxes: either they owe the government money and they are afraid or they just procrastinate.

Some people owe money

Who wants to really do something like taxes, especially if you have to pay!

Mostly procrastination, I’m sure…

Some people enjoy the adrenalin rush that comes with finishing a project at the last possible minute!

I personally don’t understand why anyone would wait until tax day or very last minute unless they had a life changing event happen…won the lottery, death in the family, etc.

Unfortunately, some Americans will wait until the very last minute on tax day to take their taxes to the U.S. Postal Service.

FACT: Tax day is one of the busiest times of the year for the U.S. Post office.

According to surveys, tax procrastinators have been known to overpay by hundreds due to mistakes that came as a result of rushing the process and making last minute changes, and they fork over roughly double the amount that early filers pay just to get their taxes done.

According to the IRS,

quote70% of taxpayers filed their returns electronically – that means the other 30% are still mailing theirs, and joining the crowds at the mail office to do so.”

Of the Americans who do plan on spending their tax refund on non-debt issues, most are opting for a vacation, clothing or accessories, or a gadget such as an iPad or smartphone. Read More

DEBT prevents most Americans from reaching financial freedom and achieving the American Dream.

You don’t have to be a rocket scientist to see that we are living in a very UNSTABLE American economy. All you have to do is turn on the television, radio, surf the web or pick up and read a magazine or newspaper.


quoteMore than 40% of American families spend more than they earn.”

Ask yourself this question

“Is Debt Destroying Your Dreams?”

Woman looking at past due notice after holiday spending spree.


Debt affects people in different way’s, it affects credit scores, employment and plays an important role in obtain financing for that new home, car, or apartment you seek. It destroys friendships, relationships, families, and even societies!

“It DESTROYS Dreams!”



The Wall Street Journal reported that:

quote70% of People Are Living Paycheck to Paycheck and 55% of People That Are “Sometimes” or “Always” Worried About Money!”

If you are reading this I guess you are a little in debt, or a maybe even a lot in debt and looking for ways of reducing or getting rid of it. Well you have come to the right place!

man-thinkingHow would you continue to make your mortgage payment or car payment?

And what about those student loans you acquired to finance your education.

How are you going to pay those back?

And what about those other miscellaneous expenses such as the grocery, electric, water and gas bill.

And what about Retirement?

In the current economic climate, there is increasing concern about what the future holds. The secure job you held yesterday could be gone tomorrow.


Currently, there are over 13 million people unemployed!

And when people lost their jobs they lost their homes. Millions have lost their homes due to foreclosure and 1 in 4 of all mortgages are underwater (that means the homeowner owes more on the mortgage loan than the home is worth)!

I’ve got news for you…Even if you do everything to the desire of your employer, there are outside forces beyond your control that can take your job away from you at a moments notice.

Most people were simply caught off guard by the economic downturn and housing crisis. They did not properly plan their financial future and were UNPREPARED when the economy turned.

Now many families are now struggling with their bills and an enormous amount of debt. Unfortunately there are still a lot of people out there that don’t understand just how harmful debt is and have yet to take some kind of action.



If you are REALLY serious about getting out of debt and would like to learn how to “Beat The Bank” and pay off your debt in 1/2 the time then,


Discover a powerful program that thousands of Americans are using to eliminate their mortgage and consumer debt fast!

charles lenoir


As we prepare to welcome in a New Year I wanted to write a quick blog post on New Year’s Resolutions.

Let me start by asking, what is your New Year’s Resolution?

Along with losing weight, getting out of debt is the most popular New Year’s resolutions in the United States. In general, these resolutions like all others tend to be forgotten within the first weeks of the new year.

If you resolve to getting out of debt this year, here is my idea for not losing sight of that goal.

Don’t Focus on ZERO Debt

….instead focus on financial freedom!


Debt is at worst slavery, at best willful indentured servitude. It destroys dreams! If your family takes home $2,500 per month from your job after taxes, but your credit cards, loans, and rent or mortgage total $2,000 each month, you work only one-fifth of your hours for yourself. The remaining four-fifths of your time at your job is exclusively for your creditors.

You might as well just hand your paycheck over or work off your debt directly with the credit card companies. Unlike slavery, you are free to leave this arrangement, your job, at any time by quitting and looking for another job with a pay increase, but that is not always a simple or practical solution.

How Would Your Life Be Without Debt?

Read More

Christmas is over but the debts are sticking around to haunt you and most people still haven’t dealt with the debts they accrued from the previous Christmas!

holiday debtNow is as good a time as ever to stop the ghost of past Christmases from waking you in the night with worry.

People with debt from the previous Christmas claim they had plans to clear up their debts by the end of the year. Failing to do this has extended many people’s debt into January of next year and unless taken care of it will get much worse in these difficult financial times.

If you are suffering from debt, whether it be credit cards, student or car loans and mortgage debt there are many steps that can be taken now to help relieve the burden of a new year of debt starting by having a proactive approach.

Make next year a year that you commit to improving your financial situation and you will Beat your Holiday Debt!

P. S. CLICK HERE now and check out this Controversial Mortgage Elimination Video! Discover a little known program that thousands of ordinary people are using to pay off their mortgage fast and their beat holiday debt!