No more bad credit:

A real service with real people to provide real help.

 
Silently stalking your bank accounts.

He may have gone undetected for years. You may even know about him but you choose to ignore. His deadly stealth is like a parasite or virus, slowly draining away your money, stealing your financial strength, making you ill, but so deceptive that you do not suspect him. You may have even knowingly let him into your life.

Occasionally you curse him, but because you are oblivious to the cure, you continue to feed and serve him.

His friends are high interest rates, penalties and fees. He hangs out with other deadly buddies like foreclosure and default. Enemies that you would never let come near you. But he is much more clever and deceptive. You let him stay. Not because you like him, because you don’t. But because you may not know just how vicious and deadly he really is, and because you simply don’t know what to do about him, you are convinced that you have to put up with him.
 

So who is this thief?

 
He is the negative item on your credit report. Most likely his whole family of derogatory buddies have moved in too.
So why do you let him stay?
Oh, you think he belongs there because it was your fault. YOU let him move in. YOU gave him a place at your table. So, YOU continue to feed him. You really don’t want to, but because you thought it was your mistake, YOU tolerate him.
 

You don’t have to.

 
That’s right. Even if you believe that the negative item is your fault and therefore legit, you can still get rid of him and keep him from stealing your money and giving it to his friends. How?

Kick him out. Eliminate him. Remove him from your life forever.

The solution is much easier than you ever imagined. A credit repair attorney discovered the cure, almost by accident. What he found was so unique, so effective, and worked so well that he patented the procedure.

Like finding a cure to a dreaded disease, legally and masterfully cleaning and restoring your credit can make you whole in so many ways.

So, just how much difference can a few bad marks on your credit report make?

My Example

Let’s take a look at my example. It was just about one year ago, I went into a lending institution to inquire about a loan for a car. My old car was on it’s last legs and I had found a great deal on a replacement. It was used but in great shape. The loan officer took down some information and explained to me that their base rate for late model cars was 8.9%. He would see what he could do and asked me to come back the next day. When I came back in he said he had good news and bad news. The good news was that I was approved. But, the bad news was that because of some negative items on my credit, the rate would be 13.9% instead of 8.9%. I muttered something under my breath, cursing that credit score, but went ahead and signed the loan papers, got the money and bought the car. What I had just agreed to was to give the bank almost $500 extra a year for the next couple of years just because of those negative items on my credit report. Why did I do it? I felt I had no other choice.

In thinking about it I realized that we had done the same thing on our mortgage. When we refinanced, the rate for borrowers with excellent credit was 5.25% but we had to settle for 6.875%. Now that may not seem like a lot but it means that we pay an EXTRA $2,000 each and every year.

And, If you include credit cards and other debt, I was losing hundreds every month, thousands every year, and for what?

The derogatory items on my credit report were slowly bleeding me to death.
 

Something had to give.

 
Think about it. This is simple enough for everyone. If you really understand money and know how to manage it, just putting $2400 into a retirement account each year could make a huge difference. After 20 years of saving $200 per month at a modest investment rate of 7%, with compounding, the resulting account value would be $104,793.08. After 30 years it would be $245,417.50. By contrast, if you over spend $100-200 each and every month and continue to borrow more and more, at some point you find yourself in a prison that is almost impossible to escape.
 

I had to find a cure.

 
I wasn’t getting any younger and no one was building my retirement for me.

But very soon I found that leaping into the credit repair foray was not the answer either. The field is wrought with charlatans and scam artists. I soon learned a couple of important facts:

1.There is no miracle pill.
2.If anyone is telling you they can repair credit overnight, they are lying.
3.Do it yourself is kind of like changing your own oil. Yes, it can be done but it might get messy and and if done wrong, it could even be disastrous.
4.It is not necessary to pay $2000, $1000 or even $500 to get the job done. And, expensive “credit repair” services do not work better – many do not work at all.

Most importantly, I discovered that the real cure to my credit problems required fixing two parts. First I had to fix the “reporting” of my credit and stop the bleeding. But the second part, the most important part, I had to fix my habits so that the villain was defeated, permanently. I had to recover and heal. And you know, the fixes were not that hard. They were things I wanted to do anyway. I just did not know how.

Once I found the right service, the first part was a breeze. The kind and patient people at Money Mastery For Life were like a breath of fresh air. I got the right information, the right help and someone I could turn to when I needed it.
 

The difference.

If you are like me you get assaulted daily with offers. There is always someone out there claiming they can settle your debt, fix your credit, loan you more money or something. The most dangerous lies are those camouflaged with true statements. That is why so many of the offers really do sound good – all the way up and until you encounter the lie or misrepresentation that was being hidden. By then it is too late.

Money Mastery for Life is into full disclosure. In fact they don’t even mind telling you how their secret credit repair process works, because they also understand that there is considerable skill involved. Furthermore it is patented and therefore cannot be copied.

Much the same as businesses always employ an accountant to do their taxes, credit repair is best left to professionals. Not because it is too hard to understand but because it can be complicated and easy to miss something.

The results were beyond my expectations.

 
Honestly, I have to tell you that, at the beginning, I did not even have a clue about the second part. You see, like almost every American out there, my education failed me. Although I had spent years learning skills and training for a career in doing something that would make money, no one had ever taught me about how to manage money. When I began to learn the tips and techniques, skills and tools that would make money work for me, it was like walking out of a fog. All at once I could see clearly. The solutions to the money problems that had plagued me for years were evident. Finally, I was in control.
Conclusion.
Don’t let the negative credit item thief steal another dime. You can fight back. You can defeat him. You just need the right help:

Here is where to start, click.

Yes, an advanced degree from a highly respected university.

It opened some doors to making a good income.

But something was missing . . .

It seemed like no matter how much we made, there wasn’t enough. In reality, making money wasn’t the problem. What we did with it was.

You know, after all those years of education, there was not one class, not even one seminar, on how to manage money and build a fortune.

Sure, there are plenty of classes and courses that teach skills, trades, and professions all centered around the assumption that if we learn to make money, we will figure out the rest. Figuring it out came in a rather strange way.

A Friend of A Friend

It all happened mostly by chance.

A friend of a friend told me about a guy by the name of Peter Jeppson.

Peter had suffered severe trauma as a young man when a firey auto crash left him near death from 2nd and 3rd degree burns over most of his body.

Recovery took years. Medical expenses climbed into the hundreds of thousands of dollars for treatment.

Dispare lurked. Even family members suggested bankruptcy as an option.
But, Peter would have none of it. With nothing but time on his hands as he endured the painful process necessary to heal, Peter began to study. How would he ever be able to pay the bills? There must be a way. And find it he did.

Four Basic Pieces to the Puzzle

From his study Peter discovered that when you match determination, need, and the indomitable human spirit, magical things happen. By the time Peter finished therapy and left the hospital for good, he had not only healed his body, but he had found a solution to the financial problem as well.

It boils down to four basic parts:

1. Control Spending

2. Eliminate Debt

3. Minimize taxes

4. Money in motion creates more money

What Peter discovered is that these four simple and easy to learn principles, when practiced, can help anyone, yes, ANYONE, learn to build a fortune.

Teaching and sharing these principles turned into a way of life and a business for Peter.

Just like learning most skills, it really helps to have a good teacher, but even then we can feel really awkward at first – like learning to ride a bike. But with practice the skill becomes easy, then fun. Before you know it, the student becomes the teacher. And sharing the skill with others is not only immensely satisfying and rewarding but helps to accelerate principle 4 by increasing income.

I have prepared a financial fitness quiz that may provide insights for those interested in acquiring and honing the skills. Just click here to find out your fitness score and learn more:

Take the quiz.

]]> http://free-money-tips.com/24/my-education-failed-me/feed/ 0 http://free-money-tips.com/18/become-a-master-of-spending/ http://free-money-tips.com/18/become-a-master-of-spending/#comments Wed, 02 Dec 2009 02:27:28 +0000 http://free-money-tips.com/?p=18 Control Spending? – No, it’s not what you think.

People like to spend. It makes them feel good. It has power. But no matter how you slice it, most spending is emotional.

Most people have also suffered the pain of unwise spending. It can be destructive, even devastating.

So what do we mean when we say “control spending”? Does it mean I can’t do what I want? Does it mean I have to stick to a BUDGET? I hate that.

Reality is that we all have to control spending one way or another. For example, if we operate on cash only, once the cash is gone, we have to stop spending. Even if we have bank accounts or credit, if we exceed allowable limits, we have to stop – sometimes with penalties. In both cases the reality is that we are being controlled not being in control. The second example, however, can result in costly financial damage before the limits are reached.

Actually I prefer to visualize controlling spending as nothing more than making sure that we keep our goals in mind and spend our money on the things we REALLY want. It means having a plan or a method to be sure that we do not let impulses or whims throw us off track. Controlling spending means that we are proactive and choose what we want, not just react. And finally, controlling spending means that we remain focused on the big picture, so that what we ultimately want in the future is part of what we want today and we choose to spend accordingly.

The biggest spending problem faced by most people is that it is not easy to keep track. Even if we have good intentions and are frugal and careful, that may not be enough. If we do not know at any given moment what we have available to spend for day to day purchases, it is easy to just go with the impulse and perhaps intend to be more careful later.

Fortunately, some great tools have been developed. This video gives one example of a clever tool provided by Money Mastery For Life to help people keep on track.

With a little help, anyone can get on track, take control of his or her financial future and build a fortune.

Control spending means become a master of spending.

A great place to start is with a kind of self evaluation. This 10 questions quiz will reveal your financial fitness score and might help identify some strengths and weaknesses:

Take the quiz.

First, it is important to understand that there are a number of elements that affect the score or rating. These include:

* Derogatory Items. There are all kinds of derogatory items – late payments, defaults, bankruptcy, foreclosure, collections, etc. Each time one of these gets reported it goes on your credit report and affects your score. Problem is that even when one of these gets corrected, the negative remains unless you take action to remove it. Getting these things off your report is one of the most effective ways to fix bad credit rating.

* High Balances vs. Available Credit. Performing accounts actually help your credit score but if the balances are too high the credit bureaus look at this as a sign that you are not managing your credit well. So it is better to have 2 accounts with credit limits of $5000 each and balances of $3000 than one account with a credit limit of $6500 and balance of $6000.

* Inquiries. The bureaus consider that one or two inquiries per quarter is normal. But if that number doubles or triples then the additional activity is taken as a warning sign that you are not using your accounts responsibly. Unfortunately they do not take into account extenuating circumstances.

Second, in order to fix your credit rating, knowing how to deal with the credit bureaus is crucial.

Most credit repair services will focus on challenging the validity of items on the credit report with various tips, tricks, and techniques. Some of these work some of the time, but it is an inexact science at best.

Fortunately a new method has been discovered that has a 100% success track record. It works every time.

And Third, probably the most important step is to recognize and fix the underlying problem. What caused that bad credit rating to start with? Solving that problem will not only stop the bleeding but heal the wounds completely. So what will solve it? Developing better habits, using tools and techniques that keep you on top of the situation, legally cutting taxes and generating more income are all part of the solution to getting financially healthy.

Choose a service that can help with both: fix your credit rating and fix the problem that caused it.

Click here for help.

When you reach retirement, will you have money for. . .

Living expenses?

Medical bills?

Traveling?

Enjoying the kids and grandkids?

A comfortable home?

Toys for old folks? (Hmm, what are those?)

And, if so, where will it come from?

Think about it. If you stopped working today, how much income would you have next month? Or next year?

Do you have investments earning income? How about savings? Or, have you created a business that is generating funds for you?

If not, where will the money come from? Social Security? Will that be enough to maintain a comfortable life style?

These are serious questions. They requre serious answers.

You see, one of the biggest money problems we face today is that, throughout our education and careers, it is, or perhaps was, all about “making” money. No one taught us how to manage money.

So when faced with a money management situation, how do we handle it? Let’s look at a typical scenario.

Was There A Management Principle or Strategy Guiding US?

Let’s suppose that 2 weeks or two years ago a buying decision was being considered. Your spouse or someone in the family asked, “Can we afford it?”
No matter what “IT” was, the likely consideration was:

1. Is there enough money in our account today? or

2. Is there enough room on a credit card today? or

3. Am I making enough to add a monthly payment of X amount to my monthly bills?

4. Or, can I borrow some funds and hope to pay them back?

Notice the focus on now. Rarely did we ever consider, “What effect will this have on my goals and financial plan?”

“Am I willing to jeopardize some of my retirement for the thing(s) I want now?”

Moreover, “How do I take the long term impact into consideration when I am making a decision for something I want now?” Well, we have a very helpful and easy solution.

So the real question is, “What are the principles of managing money, and how do I learn them?”

Thought you’ld never ask.

Probably the best place to start is to take the quiz and discover your financial fitness score. The quiz will help you determine which areas you are good at already, and where you good use some help.

Just click here to take the quiz and have some fun.

]]> http://free-money-tips.com/7/where-will-the-money-come-from/feed/ 0 http://free-money-tips.com/3/we-deliver-financial-fitness-solutions/ http://free-money-tips.com/3/we-deliver-financial-fitness-solutions/#comments Sun, 29 Nov 2009 12:57:35 +0000 http://free-money-tips.com/?p=3 The principles and practices provided here are powerful. They have been proven so many times, that we know we can help you become a master of money. So our promise to you is:

1. For American families and households, we will find a minimum of $312 per month to go toward improving your financial fitness.

2. Clean your credit report and improve your credit score.

3. Honorablely eliminate your debt, including your mortgage, in 7 years or less.

4. A minimum of $302,000 added to your retirement.

5. Cut your taxes by up to 1/2 what you are now paying.

And all this without requiring that you increase your income.
By taking advantage of our income increasing options, the whole process can be accelerated and the benfits compounded. So feel free to browse this site and learn all you can. Take the Financial Fitness Quiz to test your skills. Above all, enjoy! Financial independence can actually be fun!

- For all the things money can’t buy . . ., and all the things it can!