----------------------------------------------------------
MILLIONAIRESPLANET EZINE
money . success . freedom
Dec 2007 Issue #64
----------------------------------------------------------
By subscription only! Welcome to the latest issue of
"MILLIONAIRESPLANET EZINE"
You are receiving this newsletter because you
requested a subscription. Unsubscribe instructions
are at the end of this newsletter.
----------------------------------------------------------
IN THIS ISSUE
----------------------------------------------------------
1. Feature Article
2. Quote of the Month
3. Your Question Answered
4. Special Offers
5. New Books from Truewealth
6. Latest News from TrueWealth
7. Disclaimer
8. List Maintenance
----------------------------------------------------------
Swiftlet Farming seminar by Dr Christopher Lim
----------------------------------------------------------
Due to popular requests, we are going to run the third
"Making Millions From Swiftlet Farming Workshop". Those who
are interested in finding out how to get into this high
demand, limited supply (and cash upfront) business, this is
your opportunity to do so.
Full sign up details is at:
"http://www.MillionairesPlanet.com/swiftlets.htm"
----------------------------------------------------------
1. FEATURE ARTICLE: More FAQs
----------------------------------------------------------
Since it proved to be a HOT HOT thing, I'm answering more
questions this month.
As usual, the questions are presented the way they came in
- broken English, wrong grammar and all.
QUE 1: Assalamualaikum...
I'd like to know the differences between unit trust and
mutual fund.
Thank you.
ANS 1: A mutual fund sells shares in the fund while a unit
trust sells units. But they both work the same way: the
managers collect money from investors and then invest the
money to meet the objective of the fund. Usually the money
is invested in stocks, bonds, money markets and properties.
So for all sense and purpose, they are the same thing.
Mutual funds are not available in Malaysia - only unit
trusts are. But since they are pretty much the same, there
is no issue.
Now, the more important question is how do you choose one
that will make money for you?
QUE 2: Just want to inform you that I have followed your
teachings and had most of your property books and I must
say, they are awesome. I've got your books and recently
I've read the "How to Win at Property Auctions" gave me a
superb insight. So I started to invest in a small apartment
here in Penang through auction. As you mentioned in your
book, find a property around your radius. Location and
price wise is just great. Once I got the property, there
are numerous people started to enquire whether I would want
to rent the place which is great because the SPA and stuffs
is not even ready yet. In your book, there is one small
information which I thought that it was quite vague.
The part when you got the property and then how soon you
can rent it out. You touch on something like you can rent
the place out once it is vacant something like that,
so I just want to check with you, is that really possible?
I would be glad If you can help me out and I'm also looking
forward for your mini property workshop.
Thanks in a million.
ANS 2: I thought it is pretty clear. Rent out your
apartment as soon as you can. Normally, this means that
once the place is completed by the developer or if it is
empty (no one is staying there). But if the place is really
hot, people may want to book it straightaway even though
the place is still tenanted.
QUE 3: I've read quite a number of your books and do
subscribe to your "MILLIONAIRESPLANET EZINE". I realized
that in your Nov issue there were a lot of questions
pertaining to income tax. I suggest if you come out with a
book on Income Tax, it will be a definite MEGA seller.
I would like to have your advice for the followings:
1. I'm planning to buy a car in 2008.I'm considering to pay
a big down payment of RM50k and take a 5 years HP
(Hire Purchase) loan with 2.2% interest. Say, if I decide
to settle the loan in 3 years, will the bank minus the
interest which was calculated for the remaining 2 years?
2. A relative of mine had suggested against the above idea.
He said there is no black & white statement saying that the
bank will minus the interest. They'll only give a small
discount. Instead, he had asked me to just pay 10k as down
payment for the car and use the remaining 40k to settle my
overdraft for my house (roughly 6.5% interest).
3. I need to learn more about HP loan. Is any of your books
covered this topic.
Thanks ya.
ANS 3:
1. Firstly, if you have to take a 5 year loan, you cannot
afford the car! The RM50k is not a big enough down payment.
The answer is to buy a cheaper car or perhaps a second hand
one first.
2. You can afford the car once you can settle the loan in
3 years or less. (PS I only take a 1 or 2 years loans when
buying motor vehicles.)
3. HP loans are calculated on a fixed interest rate. For
example, if the interest is 5% a year and you take a 6 year
loan, the interest is 6 x 5 = 30% from the amount of the
loan. So if the loan is RM100,000, your interest payment is
RM30k. Your monthly payments would then be RM1,805.56
(RM130k/72mths). Most of the early payments would go
towards paying off the interest charge. That is why even
if you settled the loan early, there is only a small
discount given by the loan company. So yes, you would be
better off by paying the housing loan in this case.
4. Of course, the better solution is to limit your loan
period to 3 years or less.
5. Don't worry about cars - next year's model is always
better!
QUE 4: I recently purchased a home in Kelantan, later our
lawyer found out that the seller had taken a second
mortgage on the property. What is the significance of this
(if any)?
ANS 4: I'm not quite sure what you meant by "a second
mortgage on the property". In the US, buyers can have two
different mortgages from different banks on the same
property. The second mortgage is the one that is referred
to as a second mortgage. To my knowledge, no banks in
Malaysia allows this sort of arrangement as it creates
much problems (to them) in case of payment default by
the buyer.
That is why they will only refinance the full loan from the
first bank. In other words, there is still one mortgage on
the property, even though it is actually the second
(or third) one taken by the buyer.
As for the legal implications, your lawyer should be able
to advise you better.
QUE 5: What are REIT's?
ANS 5: REITS stands for Real Estate Investment Trusts. They
are pretty much unit trust funds that invest in properties
instead of stocks, bonds, etc., etc. They used to be called
Property Trusts but since they are as popular as cold
pisang goreng, it was rebranded a couple of years ago to
become REITS. For a comprehensive answer, please read my
latest Handbook "Growing Your Money". Ordering details are
available on the website:
QUE 6: I have a few questions concerning my housing loan
which I hope you would be able to answer and advise:
I have 3 properties at the moment. One which I bought when
I started working sometime in 1989. I have been renting the
house since and I have no problem with it.
In 2004, I bought a condo in Damansara Damai. The condo
costs RM160,000 and withdraw my EPF amounting to RM82,000
to settle part of cost. The balance came from a loan from
Bank Muamalat. I rent out the condo.
Early 2006, I bought another condo at Wangsa Maju costing
RM250,000. I now staying there. I took up a loan from ING,
which allows partial payment (in multiple of RM5,000) in
the agreement. Now, I have been thinking of settling the
loan as soon as possible. I have a few options here and
they are as follows:
a) I have approximately RM40,000 now which I can use to
settle the loan.
b) I thought I could apply EPF to reduce my loan for the
condo in Wangsa Maju. But, I was told that, EPF only allows
me to apply and reduce the loan for the first house only.
c) I think with discipline, I maybe able to pay that extra
RM5,000 every 4 months interval.
d) To withdraw all dividends and bonuses that I receive
every year from ASB (and maintain the capital) that would
be around RM20,000 yearly, if the economy remains as it is
right now.
With the above information, could you please advise me the
best options for me to apply. Please take my age into
consideration, I am already 46 years old.
ANS 6:
1. Firstly, there is no one best answer. To give the 'best
answer', I will need a lot more information - your risk
profile, your net worth, your commitments, your hopes.
2. But from what you have given, I must say that you have
done pretty well in acquiring the 3 properties and having
money in the ASB. Keep up the good work.
3. You could use the RM5,000 to reduce the housing loans
(any of the loans but preferably the house that you are
staying in). Paying off loans is always a good move and I
always recommend it. There are two ways to increase your
net worth: (1) make more money, (2) reduce your loans.
4. However, let the dividends and bonuses remain in the ASB
so it will grow to a much bigger amount. If you keep taking
the money out, all you are left with is the RM200,000,
while being better than nothing at all, will not make you
rich. You want to grow that initial RM200k to a much larger
figure, and the way to do it is by leaving all the money
there - your deposits plus all dividends and bonuses.
QUE 7: Dear Azizi,
I have bought all your books and find them marvelous and
very helpful.
I have a question for you about getting a positive cash
flow for each property.
You mention that we should:
1. try to get as much and as long as the bank would lend us
i.e. so as to pay minimum down payment. This would mean
that the monthly installment would be high.
2. try to get as high a rental as possible.
But in real life, it would be difficult to achieve a
positive cash flow with the above scenario.
What would be your advice then?
1. To increase the initial down payment amount? Or
2. To increase the rental? this may not be possible unless
your property is in very hot spot.
please advise. best regards
ANS 7:
1. Firstly, thank you for your support. And I am very happy
that my books have helped made your life a little bit
easier.
2. Yes, I recommend taking a large loan so it will free
your capital for other investment, which may include buying
more properties. Properties is a numbers game - the more
you own, the wealthier you will be. Also, having one or two
houses will NOT make you rich. Having five or more will
make you a millionaire.
3. At the same time, taking a large loan will mean higher
monthly payments, which can lead to a negative cashflow
situation where the rental collected is lower than the
payments. While most of us can have one or two negative
cashflow, it is obvious that we cannot have too many of
them. Ideally, all our properties should be giving us
positive cashflow.
4. This will mean that you will have to juggle your
finances. Take a large loan, yes, but ensure that the
monthly payments will be lower than the rental collected,
even though just slightly. This will usually mean a larger
down payment.
5. As you have correctly pointed out, it is not easy to get
to situation 4. But then building wealth is never easy (if
it was easy, then everyone will be multi-millionaires). So
you will have to juggle your finances, tweak with them as
you go along while getting better along the way.
6. If the property is not in a hot location, why buy them?
Let the people who do not subscribe to this e-zine buy the
properties in the hulus!
----------------------------------------------------------
2. QUOTE OF THE MONTH
----------------------------------------------------------
"Money is the root of all excellence."
* Louis E. Bejarano *
----------------------------------------------------------
3. YOUR QUESTION ANSWERED
----------------------------------------------------------
Q: I'm referring to the Tenancy Agreement in your book "How
to Become a Millionaire Landlord". Should I hire a law firm
to prepare the agreement? If yes, should they pay the cost
of the stamping?
A: Firstly, thank you for your support, Suhaimi.
As for the Tenancy Agreement inside the book, that is a
complete agreement by itself already. That means you do not
have to hire a law firm to develop another agreement. Just
use that sample agreement. (Of course, you can modify it as
necessary to suit your own requirements.)
Normally, it is the tenant who pays for the stamping cost.
It ranges between RM150 - RM300.
Trust this has clarified matters.
* HOT TIP *
Read "How You Can Get Rich Swing Trading"
by Azizi Ali & Bill Wermine
----------------------------------------------------------
4. SPECIAL OFFER: Property Millionaires Workshop is BACK
----------------------------------------------------------
If you have always wanted to know how to make money from
properties while reducing your work and problems, this is
the opportunity that you have been waiting for.
Azizi Ali will be conducting his popular Property
Millionaire program in January. Click on the following
link for the complete details.
"http://www.MillionairesPlanet.com/pm_miniworkshop.htm"
----------------------------------------------------------
5. NEW BOOKS FROM TrueWealth
----------------------------------------------------------
We have released three exciting new books in October -
"ScamBuster" by Azizi Ali, "Rahsia Blogger" by Mohd Farid &
Mohd Suhaimy and "Survive, Skor & Sukses" by Hasbullah
Othman & Megawati S.
Order your copy NOW and be one of the first to benefit from
these books.
"http://www.MillionairesPlanet.com/books.htm"
----------------------------------------------------------
6. LATEST NEWS FROM TrueWealth
----------------------------------------------------------
1. AUTHORS WANTED
We are looking to publish more books (both in English and
in Malay) to help you rise higher. So if you are an expert
in your field, want to help others and make lots of money
in the process, give us a call at 03-7880 1051 and ask for
Nirmitha, who is our Publishing Manager
(e-mail: nirmitha@MillionairesPlanet.com).
We will be happy to look at your proposal and manuscript.
You might just be the next best-selling author in Malaysia!
2. FREELANCE TRANSLATORS AND EDITORS WANTED
We are also looking for freelance translators and editors.
For full details, please log on to:
"http://www.MillionairesPlanet.com/opp.htm"
----------------------------------------------------------
7. DISCLAIMER
----------------------------------------------------------
This e-zine is for educational purposes only. The author
andpublisher specifically disclaim any responsibility for
any liability, loss or risk, personal or otherwise, which
is incurred as a consequence, directly or indirectly, of
the use and application of any of the contents of this
e-zine.
----------------------------------------------------------
----------------------------------------------------------
So that's it, folks. The latest FREE issue of the
"MILLIONAIRESPLANET EZINE". I trust that you've picked up
some useful stuff that can help you become a Grand Master
of Money.
So tell your mom, tell your dad, tell your girlfriends and
your boyfriends too, and ask them to join the party!
Until the next issue, keep your eyes on the money and
here's to the next million!
Azizi Ali
*Millionaires Coach*
MILLIONAIRESPLANET EZINE
money . success . freedom
Dec 2007 Issue #64
----------------------------------------------------------
By subscription only! Welcome to the latest issue of
"MILLIONAIRESPLANET EZINE"
You are receiving this newsletter because you
requested a subscription. Unsubscribe instructions
are at the end of this newsletter.
----------------------------------------------------------
IN THIS ISSUE
----------------------------------------------------------
1. Feature Article
2. Quote of the Month
3. Your Question Answered
4. Special Offers
5. New Books from Truewealth
6. Latest News from TrueWealth
7. Disclaimer
8. List Maintenance
----------------------------------------------------------
Swiftlet Farming seminar by Dr Christopher Lim
----------------------------------------------------------
Due to popular requests, we are going to run the third
"Making Millions From Swiftlet Farming Workshop". Those who
are interested in finding out how to get into this high
demand, limited supply (and cash upfront) business, this is
your opportunity to do so.
Full sign up details is at:
"http://www.MillionairesPlanet.com/swiftlets.htm"
----------------------------------------------------------
1. FEATURE ARTICLE: More FAQs
----------------------------------------------------------
Since it proved to be a HOT HOT thing, I'm answering more
questions this month.
As usual, the questions are presented the way they came in
- broken English, wrong grammar and all.
QUE 1: Assalamualaikum...
I'd like to know the differences between unit trust and
mutual fund.
Thank you.
ANS 1: A mutual fund sells shares in the fund while a unit
trust sells units. But they both work the same way: the
managers collect money from investors and then invest the
money to meet the objective of the fund. Usually the money
is invested in stocks, bonds, money markets and properties.
So for all sense and purpose, they are the same thing.
Mutual funds are not available in Malaysia - only unit
trusts are. But since they are pretty much the same, there
is no issue.
Now, the more important question is how do you choose one
that will make money for you?
QUE 2: Just want to inform you that I have followed your
teachings and had most of your property books and I must
say, they are awesome. I've got your books and recently
I've read the "How to Win at Property Auctions" gave me a
superb insight. So I started to invest in a small apartment
here in Penang through auction. As you mentioned in your
book, find a property around your radius. Location and
price wise is just great. Once I got the property, there
are numerous people started to enquire whether I would want
to rent the place which is great because the SPA and stuffs
is not even ready yet. In your book, there is one small
information which I thought that it was quite vague.
The part when you got the property and then how soon you
can rent it out. You touch on something like you can rent
the place out once it is vacant something like that,
so I just want to check with you, is that really possible?
I would be glad If you can help me out and I'm also looking
forward for your mini property workshop.
Thanks in a million.
ANS 2: I thought it is pretty clear. Rent out your
apartment as soon as you can. Normally, this means that
once the place is completed by the developer or if it is
empty (no one is staying there). But if the place is really
hot, people may want to book it straightaway even though
the place is still tenanted.
QUE 3: I've read quite a number of your books and do
subscribe to your "MILLIONAIRESPLANET EZINE". I realized
that in your Nov issue there were a lot of questions
pertaining to income tax. I suggest if you come out with a
book on Income Tax, it will be a definite MEGA seller.
I would like to have your advice for the followings:
1. I'm planning to buy a car in 2008.I'm considering to pay
a big down payment of RM50k and take a 5 years HP
(Hire Purchase) loan with 2.2% interest. Say, if I decide
to settle the loan in 3 years, will the bank minus the
interest which was calculated for the remaining 2 years?
2. A relative of mine had suggested against the above idea.
He said there is no black & white statement saying that the
bank will minus the interest. They'll only give a small
discount. Instead, he had asked me to just pay 10k as down
payment for the car and use the remaining 40k to settle my
overdraft for my house (roughly 6.5% interest).
3. I need to learn more about HP loan. Is any of your books
covered this topic.
Thanks ya.
ANS 3:
1. Firstly, if you have to take a 5 year loan, you cannot
afford the car! The RM50k is not a big enough down payment.
The answer is to buy a cheaper car or perhaps a second hand
one first.
2. You can afford the car once you can settle the loan in
3 years or less. (PS I only take a 1 or 2 years loans when
buying motor vehicles.)
3. HP loans are calculated on a fixed interest rate. For
example, if the interest is 5% a year and you take a 6 year
loan, the interest is 6 x 5 = 30% from the amount of the
loan. So if the loan is RM100,000, your interest payment is
RM30k. Your monthly payments would then be RM1,805.56
(RM130k/72mths). Most of the early payments would go
towards paying off the interest charge. That is why even
if you settled the loan early, there is only a small
discount given by the loan company. So yes, you would be
better off by paying the housing loan in this case.
4. Of course, the better solution is to limit your loan
period to 3 years or less.
5. Don't worry about cars - next year's model is always
better!
QUE 4: I recently purchased a home in Kelantan, later our
lawyer found out that the seller had taken a second
mortgage on the property. What is the significance of this
(if any)?
ANS 4: I'm not quite sure what you meant by "a second
mortgage on the property". In the US, buyers can have two
different mortgages from different banks on the same
property. The second mortgage is the one that is referred
to as a second mortgage. To my knowledge, no banks in
Malaysia allows this sort of arrangement as it creates
much problems (to them) in case of payment default by
the buyer.
That is why they will only refinance the full loan from the
first bank. In other words, there is still one mortgage on
the property, even though it is actually the second
(or third) one taken by the buyer.
As for the legal implications, your lawyer should be able
to advise you better.
QUE 5: What are REIT's?
ANS 5: REITS stands for Real Estate Investment Trusts. They
are pretty much unit trust funds that invest in properties
instead of stocks, bonds, etc., etc. They used to be called
Property Trusts but since they are as popular as cold
pisang goreng, it was rebranded a couple of years ago to
become REITS. For a comprehensive answer, please read my
latest Handbook "Growing Your Money". Ordering details are
available on the website:
QUE 6: I have a few questions concerning my housing loan
which I hope you would be able to answer and advise:
I have 3 properties at the moment. One which I bought when
I started working sometime in 1989. I have been renting the
house since and I have no problem with it.
In 2004, I bought a condo in Damansara Damai. The condo
costs RM160,000 and withdraw my EPF amounting to RM82,000
to settle part of cost. The balance came from a loan from
Bank Muamalat. I rent out the condo.
Early 2006, I bought another condo at Wangsa Maju costing
RM250,000. I now staying there. I took up a loan from ING,
which allows partial payment (in multiple of RM5,000) in
the agreement. Now, I have been thinking of settling the
loan as soon as possible. I have a few options here and
they are as follows:
a) I have approximately RM40,000 now which I can use to
settle the loan.
b) I thought I could apply EPF to reduce my loan for the
condo in Wangsa Maju. But, I was told that, EPF only allows
me to apply and reduce the loan for the first house only.
c) I think with discipline, I maybe able to pay that extra
RM5,000 every 4 months interval.
d) To withdraw all dividends and bonuses that I receive
every year from ASB (and maintain the capital) that would
be around RM20,000 yearly, if the economy remains as it is
right now.
With the above information, could you please advise me the
best options for me to apply. Please take my age into
consideration, I am already 46 years old.
ANS 6:
1. Firstly, there is no one best answer. To give the 'best
answer', I will need a lot more information - your risk
profile, your net worth, your commitments, your hopes.
2. But from what you have given, I must say that you have
done pretty well in acquiring the 3 properties and having
money in the ASB. Keep up the good work.
3. You could use the RM5,000 to reduce the housing loans
(any of the loans but preferably the house that you are
staying in). Paying off loans is always a good move and I
always recommend it. There are two ways to increase your
net worth: (1) make more money, (2) reduce your loans.
4. However, let the dividends and bonuses remain in the ASB
so it will grow to a much bigger amount. If you keep taking
the money out, all you are left with is the RM200,000,
while being better than nothing at all, will not make you
rich. You want to grow that initial RM200k to a much larger
figure, and the way to do it is by leaving all the money
there - your deposits plus all dividends and bonuses.
QUE 7: Dear Azizi,
I have bought all your books and find them marvelous and
very helpful.
I have a question for you about getting a positive cash
flow for each property.
You mention that we should:
1. try to get as much and as long as the bank would lend us
i.e. so as to pay minimum down payment. This would mean
that the monthly installment would be high.
2. try to get as high a rental as possible.
But in real life, it would be difficult to achieve a
positive cash flow with the above scenario.
What would be your advice then?
1. To increase the initial down payment amount? Or
2. To increase the rental? this may not be possible unless
your property is in very hot spot.
please advise. best regards
ANS 7:
1. Firstly, thank you for your support. And I am very happy
that my books have helped made your life a little bit
easier.
2. Yes, I recommend taking a large loan so it will free
your capital for other investment, which may include buying
more properties. Properties is a numbers game - the more
you own, the wealthier you will be. Also, having one or two
houses will NOT make you rich. Having five or more will
make you a millionaire.
3. At the same time, taking a large loan will mean higher
monthly payments, which can lead to a negative cashflow
situation where the rental collected is lower than the
payments. While most of us can have one or two negative
cashflow, it is obvious that we cannot have too many of
them. Ideally, all our properties should be giving us
positive cashflow.
4. This will mean that you will have to juggle your
finances. Take a large loan, yes, but ensure that the
monthly payments will be lower than the rental collected,
even though just slightly. This will usually mean a larger
down payment.
5. As you have correctly pointed out, it is not easy to get
to situation 4. But then building wealth is never easy (if
it was easy, then everyone will be multi-millionaires). So
you will have to juggle your finances, tweak with them as
you go along while getting better along the way.
6. If the property is not in a hot location, why buy them?
Let the people who do not subscribe to this e-zine buy the
properties in the hulus!
----------------------------------------------------------
2. QUOTE OF THE MONTH
----------------------------------------------------------
"Money is the root of all excellence."
* Louis E. Bejarano *
----------------------------------------------------------
3. YOUR QUESTION ANSWERED
----------------------------------------------------------
Q: I'm referring to the Tenancy Agreement in your book "How
to Become a Millionaire Landlord". Should I hire a law firm
to prepare the agreement? If yes, should they pay the cost
of the stamping?
A: Firstly, thank you for your support, Suhaimi.
As for the Tenancy Agreement inside the book, that is a
complete agreement by itself already. That means you do not
have to hire a law firm to develop another agreement. Just
use that sample agreement. (Of course, you can modify it as
necessary to suit your own requirements.)
Normally, it is the tenant who pays for the stamping cost.
It ranges between RM150 - RM300.
Trust this has clarified matters.
* HOT TIP *
Read "How You Can Get Rich Swing Trading"
by Azizi Ali & Bill Wermine
----------------------------------------------------------
4. SPECIAL OFFER: Property Millionaires Workshop is BACK
----------------------------------------------------------
If you have always wanted to know how to make money from
properties while reducing your work and problems, this is
the opportunity that you have been waiting for.
Azizi Ali will be conducting his popular Property
Millionaire program in January. Click on the following
link for the complete details.
"http://www.MillionairesPlanet.com/pm_miniworkshop.htm"
----------------------------------------------------------
5. NEW BOOKS FROM TrueWealth
----------------------------------------------------------
We have released three exciting new books in October -
"ScamBuster" by Azizi Ali, "Rahsia Blogger" by Mohd Farid &
Mohd Suhaimy and "Survive, Skor & Sukses" by Hasbullah
Othman & Megawati S.
Order your copy NOW and be one of the first to benefit from
these books.
"http://www.MillionairesPlanet.com/books.htm"
----------------------------------------------------------
6. LATEST NEWS FROM TrueWealth
----------------------------------------------------------
1. AUTHORS WANTED
We are looking to publish more books (both in English and
in Malay) to help you rise higher. So if you are an expert
in your field, want to help others and make lots of money
in the process, give us a call at 03-7880 1051 and ask for
Nirmitha, who is our Publishing Manager
(e-mail: nirmitha@MillionairesPlanet.com).
We will be happy to look at your proposal and manuscript.
You might just be the next best-selling author in Malaysia!
2. FREELANCE TRANSLATORS AND EDITORS WANTED
We are also looking for freelance translators and editors.
For full details, please log on to:
"http://www.MillionairesPlanet.com/opp.htm"
----------------------------------------------------------
7. DISCLAIMER
----------------------------------------------------------
This e-zine is for educational purposes only. The author
andpublisher specifically disclaim any responsibility for
any liability, loss or risk, personal or otherwise, which
is incurred as a consequence, directly or indirectly, of
the use and application of any of the contents of this
e-zine.
----------------------------------------------------------
----------------------------------------------------------
So that's it, folks. The latest FREE issue of the
"MILLIONAIRESPLANET EZINE". I trust that you've picked up
some useful stuff that can help you become a Grand Master
of Money.
So tell your mom, tell your dad, tell your girlfriends and
your boyfriends too, and ask them to join the party!
Until the next issue, keep your eyes on the money and
here's to the next million!
Azizi Ali
*Millionaires Coach*
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