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Dear Friend:
For eight years, I have helped thousands of middle-class
Americans handle money better with my "How To Own Your Paycheck Again!"
seminar.
In that time I have learned that most of what Americans
think
they know about money is wrong and that misinformation is hurting
people all over this country everyday.
It seems that most people think they need to make more
money
to get out of debt and get ahead. Or they think they have to
cut
out all their fun, cancel their cable TV and drive a 15 year old car.
If you can pay all your bills on time now, all you
really have
to do is change the way you pay your debts using the money you already
make.
I am now making my seminar available in a convenient
e-Book
format in Adobe Acrobat PDF.
IN THIS e-Book YOU WILL LEARN:
- Why a savings account can COST you thousands of
dollars.
- Why paying off high interest debts first
can be the slowest way out of debt.
- Why paying extra money on more than one of your debts
can
actually keep you in debt longer.
- Why having many debts can actually help you
get out of debt faster!
- Why your debts are often the very best investment you
can
make and much SAFER than today's stock market!
- How to calculate EXACTLY when you'll be out
of debt and
FREE!
You don't have to get a second job or pinch pennies
unless you
want to! You can get out of debt fast using the money you are
already bringing home.
When you apply for credit they look at your income as a
percentage of your debts. This ratio determines how much
credit
you can handle. More income means more credit.
These ratios
guarantee that you could get completely out of debt in only 5-10
years. It is a mathematical fact.
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"all debts (including mortgage) paid off
in 6 years."
I read the e-book last night and was
amazed. I
have been using my own version of this method for many years, except
paying the "high interest" accounts first.
I revamped my list and will have a car and one
credit
card paid off by June,(3 months) with the possiblity of all debts
(including mortgage) paid off in 6 years. When looking at a total debt
load of $170,000, it is easy to get discouraged. But, after
mapping it all out, the day looks a lot brighter. Thanks for the
lift.
Barb |
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*****we will be
credit card
free*****
I just wanted to let you know how much we have accomplished since I
attended your class. (not quite 2 years ago). Tomorrow I am going to
send the last payment on our last credit card....and have the account
closed.
*****we will be credit card free*****
The only bills we will have left is our mortgage
(it's
going down pretty fast) and our car payment which we have about 2 1/2
years left on, but I plan on putting what I was paying on the credit
card right onto the car payment. (so it won't be long and that will be
gone too.)
Thanks Leo, For everything I learned in your How
To Own
Your Paycheck class. It worked for us.
Donna
Queensbury, NY
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"I figure I can
be debt free in
about nine years."
"I attended your class recently. I was a little discouraged because it
seemed that many of the people in the class were much better off than
I. Then there was me, with a mountain of debt! I ignored
those
other people and listened carefully to what you said. ... I was
determined to follow the plan you taught us. I went home and sat down
to do the worksheets you gave us. Much to my amazement I was able to
come up with $170 in "extra" money. I am very encouraged about the
future and want to thank you for the great plan of action you taught
us. I figure I can be debt free in about nine years. Before I attended
your class I assumed that I could never be debt free."
David
Scotia, NY
|
"In one year, I
have paid off over
$12,000 in debt"
In one year, I have paid off over $12,000 in debt - both credit cards
& student loans...The class was great tool to motivate me for
better financial planning. It helped me to see just how easy
it
can be to get debt under control & to
create wealth for
the future. Thanks again.
Heidi
Gardner, MA |
WHEN YOU ARE DEBT-FREE YOU
CAN...
- Enjoy the happiness and peace of mind knowing you
don't owe
anybody one dime!
- INVEST your hard-earned money and get it working for
YOU so
you can retire early and wealthy!
- Worry less about losing your job. You NEED
a lot less
money when you are debt-free.
- Spend less time working and more time doing the
things you
want to do with those you love.
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"...I realize I can
pay off four loans
THIS YEAR alone..."
I thought I was on
the right track by
paying a little bit more than the minimum on a number of debts, but the
pay down rate was still very slow. Now I have revamped the payment
schedule to your plan, and I realize I can pay off four loans THIS YEAR
alone, three more than I would have on my old method. Thanks
again.
Patricia
Glens Falls, NY |
"I
realize now, that....I can live on my money "
I spent years thinking
I had to MAKE more money. I realize now, that I have to reduce my
debt....I can live on my money...I am a single mother with two boys,
13 and 10, and last year I made $23,000 & Your course
definitely
worked for me &I am not losing sleep over my bills. I do see a
way
out! Thank you!
Cathy
Hudson, NY |
|
"My $20K debt
(credit card,
personal and car loans)
can be $0 in 1-1/5 years!"
Hi Leo, I am compelled to write you. Normally
I just don't order off of the Internet but your email caught my
attention
as I had just made a committment to myself to "once and for all get
out of debt." I finally made the decision last night to purchase your
e-book and I am just ecstatic!
I stayed up until 5am this morning reading and
crunching numbers. My $20K debt (credit card, personal and car loans)
can be $0 in 1-1/5 years! Do you know how long I have had this credit
card debt? 4-5 years!
What's interesting is looking back at statements
of my perceived debt reduction plan with the "pay a little more" theory
on the high interest rate cards. What a JOKE! I hadn't budged an inch
overall in comparing year to year. Up and down - thinking all
this time I had made progress.
I cannot tell you how grateful I am to you.
Your willingness to help and heartfelt concern is
evident
all over your materials. Thank you for this beautiful gift! Sincerely,
Alexandra
Z
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A Department of Health and Human
Services study
says that over 96% of Americans do not achieve financial
independence. This course could help you get into the 4% who
retire wealthy and comfortable.
This method works every time it is
followed. It
has to because it is based on simple math.
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FREQUENTLY ASKED QUESTIONS...
Will this work for people in all countries?
Indeed it does work for any country and I have many foreign students,
including one from Australia named Leo Quinn! (no relation).
It's
all about getting your debts paid off and that is the
same in any language.
Does this
program have
anything to do with investing, retirement or taxes?
This program has nothing to do with investing or retirement
accounts or
taxes. And it doesn't matter what country
you come
from.
How will this
program
affect my credit rating?
It will INSTANTLY improve it. Paying off debt in the way
you'll
learn in the "How To Own Your
Paycheck Again!" program is the best way to quickly IMPROVE your credit
rating.
It has
nothing to do with the shady and unlawful tactics you read
about
online. You'll simply learn a better way to pay your debts
using
the
money you already use to pay them.
Does this
only work for
homeowners? Do I have to refinance my home?
Home ownership is not necessary. It has nothing to do with
refinancing or selling
your
home. Whether you own your home or rent, you'll
simply
learn a better way to pay
your debts
using the money you already use to pay them.
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If you've been thinking that there
must be a
better way to deal with money, you have found it.
Here is my pledge &
guarantee...
If you can pay all your bills on
time now and you
are serious about taking control of your financial future, this will be
one of the smartest financial investments you'll ever make.
If within 30 days of your
investment, you don't
agree, I'll refund 100% of your purchase price, no questions
asked.
In addition to the "How
To Own Your Paycheck Again!"
e-book you'll get SEVEN
exciting bonuses...
BONUS #1
Quick
Start Video
This short video will
explain the
basis of how to prioritize your debts for the fastest payoff.
In
under 2 minutes you'll KNOW you've made a good investment in this
program. You won't have to read a word!
BONUS #2
You'll get a copy of THE DEBT
CRUNCHER.
This is a computer program I had
developed that
will take your debt numbers and with the click of a button, categorize
them for the fastest route to getting them paid off. It will
also
tell you how long it could take you to get out of debt. ($79
Value)
BONUS #3
An e-book copy "The
Greatest Money-Making
Secret in History!" a former Amazon bestseller by Joe Vitale.
The principles outlined in this
e-book were, I
believe, responsible for me increasing my 2002 income to a point 40%
higher than I'd ever made before. You'll be amazed at how
simple
it is. In addition to owning this e-book you can freely give
it
away to your friends and relatives! Yours FREE when
you order
"How To Own Your Paycheck Again!" ($13.95 Value)
BONUS #4
Have
you dreamed of a
never-ending flow of money into your
life? Do you wish there was a way to be prosperous without a
lot
of hard (or boring) work? Are you still struggling just to
get
by? Would you like to learn the key secrets to attracting
unlimited prosperity? This book will help. It sells
online
for $29. Your FREE!
BONUS #5
An MP3 audio of a one hour telephone
seminar
recorded recently where I walk you step by step through the
debt-elimination process. If the formula doesn't jump out at
you
on the printed page, it sure will in this teleseminar. ($39
Value)
BONUS #6
An MP3 audio of an 85 minute
teleseminar with an
expert on credit and dealing with the credit reporting agencies. This
call was AMAZING. On this call you'll learn:
- The best way to raise your score fast
- What to do FIRST if you decide to pay off a closed or
charged off debt. Make this mistake and your credit won't
improve
even though you paid if off in full.
- Can't afford to make a full payment to a creditor? You'll
learn what to do so your rating doesn't get hurt
- The TRUTH about those free credit reports offered on
the
Internet
- The TRUTH about getting a whole "new" credit report.
- The TRUTH about Consumer Credit Counseling
- How those companies that promise to get your debt
forgiven
or reduced really work and the one drawback they never tell you about.
($99 Value)
BONUS #7
FREE access to future teleseminars.
These are
relatively new to me and I love doing them. In the future
I'll be
holding my own and inviting guests to speak on topics of interest to
you and my other students. Suggestions are always welcome!
(Value
?)
*******
All of the above will be available for INSTANT download
immediately after your order is approved. The e-books are Adobde PDFs
and the audios are MP3's. You can be reading or listening to
the
audios in three minutes even if it's 2 A.M.
By now, you are no doubt wondering what all
this is going
to "cost" you.
Look, I've spent 8 years of my life sorting through all
the
"free" trash out there to find the real gems - the things that are
*proven* to work in real life - and I'll give you unlimited access to
everything *right now* for only $77.
$67 for friends of
Kathy Wilson.
I know that I could easily charge $100 or more, and it
would
be worth it - but I also know that would make you feel uncomfortable
and perhaps keep you from joining us.
The thing is, I want you to be able to try everything
without
risk, and that's why I'll give you everything for just $67. Spread it
out over a year and it would be less than $1.50 per week. (Think about
it... That's about what you'd expect to pay for a cup of coffee a
week!) Every year after that you’ll save hundreds if not
thousands of
dollars in interest charges by investing $67 today. When you look at it
like that this investment really doesn't cost you anything.
"I would
recommend this to people
like me"
I would recommend this to people like me - who are not in huge debt and
are basically responsible but wonder "where does my paycheck go each
month."
Cretia Zanetti
Albany, NY |
"...pay off
almost $20,000 debt
last year..."
Hi, Leo!
Did we really pay off almost $20,000 debt last
year? Oh, yeah, that's right....we paid off my husband's
truck, 2
credit cards and paid down most of another credit card.....that's in
addition to the "minimums" on our other debts. We still have
a
lot to
go, but we have a lot less since we've been following your plan!
Thanks for your support! Your plan really does work!!
Karen |
Would you rather invest $67 on a resource that
guarantees
results within a month of putting it to use (or you pay nothing) - or
would you rather waste years of your life and thousands of dollars like
I did, making mistakes, trying to sort through all the "free"
information out there (90% of which is completely useless?)
I guarantee that a few hours of reading this
material and
listening to the audios will be more valuable to you than YEARS of
trial and error. Losing money... Learning the hard way... You don't
need that. Get the Master Plan, and you'll be able to start seeing
results IMMEDIATELY.
You have the choice right now to cut through all the
hype and
start operating on powerhouse concepts that will put you closer to debt
freedom each month.
It's up to you...
Do you want freedom? Not just money, but complete
freedom to
spend your time doing what you love? Then now is the time to act. Being
free of debt can help give you that freedom. Imagine
how much money you’d have in your pocket each month when you
don’t have
any debts. It adds up fast.
Look, it's totally risk-free. The worst that can happen
if you
try it out and the system doesn't deliver as promised, is that you get
a full refund right away, no questions asked.
That's how confident I am that you'll love your
investment.
Take action now and I guarantee you'll put your finances lightyears
ahead of the 96% of Americans who will end up financial failures.
You can download your own version of
the "How To
Own
Your Paycheck Again!" e-Book and the seven BONUSES online by secure
server using your Debit Card, MasterCard, Visa,
Discover, American Express or PayPal by clicking here!
Once you've read through the
material and
listened to the audios, you can email me with any and all questions you
have. I'll get back to you quickly with the answer or point
you
in the right direction if I don't know the answer.
You have absolutely nothing to lose,
other than
your debts. You wouldn't have read this far if you weren't serious
about changing your financial future.
Take the next step, RISK-FREE and
download right
now by clicking HERE!
Best
wishes,
Leo J. Quinn, Jr.
ljq@LeoQuinn.com
P.S. Are you
still paying for holiday
gifts from last year? A year from now will you still be
worrying
about your debts? You won't, if you follow the program
outlined
in my e-book.
P.P.S. Imagine
your future as you deserve
it to be. You can reach your dreams and achieve
your goals
much faster when you are not burdened by debt.
P.P.P.S.
Listen. I realize $67 is a decent sized investment for most
people. If you spend
hours
scouring the internet for money ideas or if you can't pay the phone
bill and that is a common occurence then pass on this for
now.
However, if you are a basically responsible person who values your time
away from the computer, can pay your bills on time and/or tries to pay
off the highest interest rates first and/or tries to pay extra on more
than one of your debts and wonders where all your money goes each month
then this will be the BEST $67 you've ever spent.
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"My $20K debt (credit card, personal and
car loans)
can be $0 in 1-1/5 years!"
Hi Leo, I am compelled to write you.
Normally I
just don't order off of the Internet but your email caught my attention
as I had just made a committment to myself to "once and for all get out
of debt." I finally made the decision last night to purchase your
e-book and I am just ecstatic!
I stayed up until 5am this morning reading and
crunching
numbers. My $20K debt (credit card, personal and car loans) can be $0
in 1-1/5 years! Do you know how long I have had this credit card debt?
4-5 years!
What's interesting is looking back at statements
of my
perceived debt reduction plan with the "pay a little more" theory on
the high interest rate cards. What a JOKE! I hadn't budged an inch
overall in comparing year to year. Up and down - thinking all this time
I had made progress.
I cannot tell you how grateful I am to you.
Your willingness to help and heartfelt concern is
evident all over your materials. Thank you for this beautiful gift!
Sincerely,
Alexandra
Z
|
Click HERE to download right now!
|
|
Students Rave and
Breathlessly Report Amazing Results That Changes Their Lives.
Leo:
I recently purchased your e-book, "How To Own Your Paycheck Again!". My
husband and I are in our early thirties and just got married this past
October. We both subscribed to the old adages of paying more than the
minimums on our credit cards and putting 10% away in our savings
accounts.
But the debt seemed overwhelming.
As newlyweds, we found ourselves in
about $30,000 of debt between our
student loans and credit cards. Since we moved in together for the
first
time after the wedding we thought we'd have an entire extra paycheck to
put on our debts after combining households. But it certainly didn't
work out that way.
We've begun to use your system of paying
down debt... We've already made
a huge dent in our credit card debt and will be completely out of debt
before our first anniversary in Fall of 2005.
Thank you for your advice. The cost of
the ebook was more than worth
the
effect of the advice. Happy 2005 (and it will be for us thanks to you!)!
Tricia and Dan
***
Hi Leo, Well, you said it would work?
You were right, it does! I’m still climbing my way out of debt... you
were right, it wasn’t a quick fix, but I've reduced the number of
credit cards I have by more than half (WOW!!), and I’m still going
strong. Hoping to have another loan paid off by the New Year... . I
have to say a huge Thank You!! for helping me with this. I used to
feel completely overwhelmed by the amount of debt that Ihad, but that
amount has stopped climbing and is steadily coming down ...I feel
like I’m in control again. And since I’m not naturally the best with
finances (obviously!), it helps that your system is
easy to follow.
Morgaen Hansen
Stillwater, NY
***
Hello! Around the begining of the year
(I think) I purchased your online book. At that time, we had never had
a budget, but I always wanted to set one up--just kept avoiding
it. Well, your program encouraged me to look at our finances, and
work something out. I don't know how I ever got bills paid without
it! Since then I have paid off 3 debts, and I'm working on 3 more,
and then we'll be in good shape! One of those would have been
paid off this month, but our washing machine broke. That's o.k.,
though, because I could just rearrange some things, buy the washer, and
get back on track nextmonth. Your program gives a real goal--I
can actually see an end to debt. Thanks!
Shana Chickering
Canton,Ohio
* * *
Hello Mr. Quinn, Thank you for your
prompt response to my issue. I have re-purchased your product and did
receive the (special) price this time. I also received notice that the
original sale was credited already.
Nothing can sell your product the way
excellent customer service can. I would recommend to my family and
friends not to hesitate in purchasing this product because of the
concern you showed for a customer. Thank you again,
Vanessa Jozef
* * *
Hi Leo- I bought
your e-book "How To Own Your Paycheck Again" in April of
2002. It was the best $$$ I have ever spent! I had
$14,000.00 in credit card debt plus a 30 year mortgage on my home and a
$26,000.00 car loan. Since reading your book I have made
drastic changes in my payments. I was doing everything wrong.
I was robbing Peter to pay Paul. I was rotating who I
would pay each month or paying more on one card than another.
I just could not seem to get ahead! Since reading your book I
became excited. Your book told me I could
be completely debt free in 9 years and a couple of months. That
included my mortgage. It is now December 2004. I have paid
off all of the outstanding credit cards, paid off my vehicle, and now
am working on the mortgage. Because I was able to clean up
my credit, my scores have gone up. I was able to refinance my
remaining mortgage with an interest rate that was 2% lower than I had
previously and go from a 30 year mortgage to a 15 year mortgage. My
payments are less than they were before the refinance. We now
have the mortgage and a new car payment, but we are still paying less
than we had been two years ago! I should still have everything paid off
in seven years! I won't even be forty! That is so exciting
to me. I am much happier and I sleep better at night.
There is a lot less tension in my home. I can get
through the holidays without feeling depressed. I even had enough
money left over at the end of the month that I was able to open a
savings account just for Christmas. I have not used a
credit card since reading your book and have not needed to because I
"found" the extra cash to pay for the things I need! Thank
you so much for this book. The ideas were so simple.
I just needed someone to spell it out for me. You
have opened my mind and given me freedom I have not had in years.
I really appreciate all of your information.
Jessica Simpson
Hammonton,
NJ
* * *
When I read your most
recent E* newsletter I thought where could I possibly begin in defining
the great usefulness and personal benefit our family derived from
taking your class? On the day, we took your class, I believe (two years
ago), we had over 20 open credit cards with high balances...We had
almost 60K in debt! After taking your class we realized we were in
trouble! (DUH!) We began to apply the knowledge we learned and within
one year all of our small cards we paid and closed. We now only have 2
credit cards with balances!
So, our mortgage and our
SUV which is on the credit cards ( A fixed rate of 1.9 % interest) for
the life onthe line) are our only debts left! We are grateful to God
for you!
Our credit score was once
so low we couldn't change insurance companies to get a better rate, it
was only 550... My most recent check of my credit score was 754
enabling our family to take advantage of numerous money savings
interest rates!
Thank you LEO QUINN, your seminar turned our lives around! With love,
respect and sincere gratitude,
Lisa
Marie Gutierrez
Schenectady,
NY
***
Mr. Quinn,
I would like to take this opportunity to thank you for your promptness
in refunding my money as requested. I truly appreciate your honesty and
willingness to follow through on your guarantee, no questions asked. I
would definitely do business with you again if the opportunity arose.
Honesty is a difficult thing to come by in business these days. Again,
THANK YOU!! Sincerely,
Kristen Beach
***
I read Leo's ebook one
year ago to try to get a handle on my own finances. The program
seemed easy and effective so I began following his advice right
away. My situation wasn't too bad so it only took a couple
of months to see a difference and make me glad I had found his
website. Soon after, I found out about the financial mess my
parents had secretly gotten in over the past ten years. They had
30-something creditors. They were still trying to pay
dentist bills from 3 years, getting late fees on all credit cards
and struggled every month to pay the mortagage. I decided to use
Leo's plan on them too. Although their monthly bills were twice
their income, the plan allowed us to get current, and start paying
everything on time. Now, one year later, they only have 3
credit cards left unpaid, and more than anything, peace of mind.
I think Leo's plan is simple and really works. Even if you stray
a little, if you understand the concept he's trying to teach, anyone's
debt can be significantly reduced in a reasonable amount of time.
Everyone who worries about their debt should try it. It only
takes 2 or 3 months of following it to see its impact and gain the hope
of being debt-free one day.
Denisse
Vargas
Houston, TX
* * *
Hello
Leo,
As many others, I thought I was on the right track, but your e-book
made me realize how interest really affect you.. And also
made me realize how closer I was to be out of debt (4 years for
me. I thought it was much longer, at least 7 yrs.).
I was amazed! This new
learning also helped me tremendously with my confidence. I now
know that I can get out of debt quicker than I ever thought
possible! I came out of this "program" with radically different beliefs
about debt and how interest work. I'm much more positive about my
finances and much more motivated and excited in managing my debt now.
Like you said "If you can
pay all your bills on time now and you are serious about taking control
of your financial future, this will be one of the smartest financial
investments you'll ever make".
Arturo Hernandez
Monterrey,
N.L. Mexico
***
Dear Leo, we did not attend
a seminar but bought your ebook "How To OwnYour Paycheck Again!". I
wanted to tell you how much it has helped us... Although we are
not out of debt YET there starts to be a light at the end of the tunnel
because this method just makes more sense!
Thank you for stating what
should be the obvious, but sometimes that is just what we need! We
purchased your book more than a year ago and probably half of our debt
is gone already.
God Bless You!
Randy and Lucie Cobb
* * *
The first time I took your class in
Saratoga I left feeling a little uneasy. Uneasy because I thought when
I finally sit down and figure out my own situation, I would find that
it would take me 20-30 years to pay of my debts.
I slept on it and finally bit the bullet
and sat down the next day and made my list according to your
chart. Then applied the method you taught and low and
behold! I can be debt free in 5.5 years!!!! YIPPEE!! I can't
believe it, but the numbers are there. I'm totally psyched!
Thank you sooooo much. You saved my life....
***UPDATE***
Also, still doing your method and now I
actually look forward to getting my bills! I can't wait to
see my new balances on statements I receive. Every month I print
out a new listing of my bills with the lower balance total and love
watching it go down! It's so nice knowing where I stand now
instead of being in the dark, afraid to open the bills, and wondering
when it will all end!
Lynn
Baker
Greenfield, NY
* * *
When I first read "How To Own Your
Paycheck Again" I too was skeptical, but if you follow the program
exactly and arrange your bills the way the program tells you, you too
will be amazed at how quickly you can be out of debt! Thanks again,
Leo, for another quality product!
Brad Pollina
Saint Louis, Missouri
***
Hi Leo,
I just wanted to say thanks a lot.
I bought your book last night, and to be honest I was very
sceptical about it. (I'd wondered whether it would apply to
someone living in the UK) However I've been reading it for most of the
day (I printed it out) and to be honest it's filled me with
enthusiasm. I've done my charts and to my amazement I can be free of
all my debt commitments within 4-5 years. (That's including my mortgage)
I was really realistic about how I did
them and didn't alter my actual lifestyle too much.
If I did tighten the belt a bit more, then it would probably take me
only about 2-3 years. At the moment my debt commitments (including
mortgage) range up to 10 years, so I'm very happy with that
forecast. It would be lovely to have my paycheque all to myself
once again Once again thanks, (What a great start to the New Year)
If you would like to use my email as a
testimonial you are welcome to do so. It might help all those other
skeptical Brits (and other nationalities) to make their minds up
to buy it. Might be worth mentioning on the website it applies to
everyone. Cheers.
Kim Standerline
UK
***
Dear Leo,
I attended your class about six weeks
ago, and since that time, I have been enjoying my journey to debt
reduction, credit improvement and all of those other good things. At
the class, I made two incredibly powerful and important decisions...
one was to allow you to cut up one of my credit cards, and the other
was to purchase the long version of your program, in addition to the
abbreviated version that we went through together in class. I went home
that night and read through the entire book... cover to cover... taking
notes along the way about what was relevant to my situation. I am
looking forward to having debt number one paid off in just a few
months, and digging into number two by the early part of next year.
I'll be sure to keep you posted as I continue on my journey to
financial freedom!! Thanks, Leo, for the knowledge you've given me!
Holly Sorenson
Clifton Park, NY
***
Thank you for my refund. I
appreciate the fact that you are an honest man. On your website you
stated you would refund any one's order if not satisfied and I am glad
to see you are a man of your word. I will uninstall the information and
programs that I downloaded from your website. Thanks again.
Sincerely,
Barb Westhoff
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