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Subject: Real-Money-Concepts.2020TRAVEL.Biz

Author: MichaelShell.Biz / Michael Shell

[ Next Thread | Previous Thread | Next Message | Previous Message ] Date Posted: 18:13:28 02/15/09 Sun Real-Money-Concepts.2020TRAVEL.Biz http://Real-Money-Concepts.2020TRAVEL.Biz http://2.vacationmedia.net/lcp/travel8/lcp3.php REAL MONEY CONCEPTS What No Banker Will Tell You, & 10 Secrets you need to know, to be S U C C E S S F U L....! http://2.vacationmedia.net/lcp/travel8/lcp3.php 1. Create and control your credit. 2. Critique your credit reports. 3. Manage your mortgage. 4. Start Saving Soon. 5. Start a Part-Time Business 6. Manage your Mind. 7. D R E A M 8. Take Action N O W. 9. Secure your F U T U R E. 10. Read & Serve. http://2.vacationmedia.net/lcp/travel8/lcp3.php What Credit...? If I had credit, my toubles would be over. Quite the opposite is true. Credit can, and will create opportunities, but with that come responsibilities. The big "R" word. RESPONSIBILITIES. You are responsible for where you are right now. If you are not responsible, WHO IS...? http://2.vacationmedia.net/lcp/travel8/lcp3.php Your Ex, your parents, your boss ....No...No...No, only you....! Unless you own your problems, you cannot change them, or solve them, or really what I'm trying to say is fix them or eliminate them. Right now today, tonight go buy them from whoever has them right now. Then and only then can you create and change your future. You may be asking what does owing my problems have to do with credit? IT's Simple. http://2.vacationmedia.net/lcp/travel8/lcp3.php Sit down to speak to a loan officer to borrow money and you say my credit was perfect till_______________ did all that they did. I', sure your problems were bad, and unfair, but life is unfair. You must be in control of your life in order to maintain and manage your credit. It's really simple. I got married, my Ex knew nothing about money , but how to spend it, and we could never work together on a budget. Since my divorce (or other problem) I have saved $2000, $5000, or $10,000. If you have not saved one of these amounts and have it in liquid form right now, this is your first Real Money Concept to master. One thing all my financial troubles have taught me is that if you have money you can get, or buy credit. Place yourself in your banker's shoes. http://2.vacationmedia.net/lcp/travel8/lcp3.php If someone really needs money , but they are unemployed, or have no savings account, no checking account, no personal assets, are you a good credit risk...? Of course the answer is NO. http://2.vacationmedia.net/lcp/travel8/lcp3.php On the other hand your second Real Money Concept you will master is to have a checking account, and purchase the personal assets that will grow in value. Once you have your savings in place, you will be on your way to obtaining a secured loan, and a secured credit card. YES if you meet very basic credit criteria you can get a VISA , or Mastercard. Then you are on your way to building, or re-building, or expanding your credit. Here are some of the most basic requirements; http://2.vacationmedia.net/lcp/travel8/lcp3.php 1. Do you have a gross monthly income of $1200. or more? 2. Do you have a phone? 3. Do you have a residential street address, not a P. O. Box? 4. Have you filed bankruptcy? 5. Are there any liens filled against you, and have they been satisfied? 6. Are you 18 years of age or older? 7. Are your credit accounts current and being paid on time? If you answered yes to these questions you are on your way to qualifying for a secured loan, and/or a VISA & Mastercard. Building, expanding, or Re-building your credit is not like popping popcorn in the microwave. It takes hard, timely effort. Many people say that you can borrow thousands of dollars without any qualifications. REAL MONEY CONCEPTS is not a get rich quick scheme, or a two minute idea that will reverse all the problems of your past that have taken years to assemble. You want to consider obtaining a secured loan from your local bank or credit union. Take your $2000. that's in your savings account and ask the loan officer for a savings secured loan. You are simply borrowing your own money , but this will buy you a R-1 or I-1 on your credit report when you make ALL your payments on time. You must take this very serious and make these payments ON TIME. http://2.vacationmedia.net/lcp/travel8/lcp3.php You can then take the money or proceeds from the new secured loan and go to bank or credit union number two, number three, number four... etc. If and when you purchase a car or truck, and finance it, the loan will be secured by the title. Having money allows you to borrow at a very low rate and you are in control. http://2.vacationmedia.net/lcp/travel8/lcp3.php Many time you will make 5% on your money , and get a loan for 8% with the net difference being a 3% loan. A very small cost for building, re-building, or expanding your credit. If your finances become cramped, your savings is there to help you along. WoW...what a REAL MONEY CONCEPT. http://2.vacationmedia.net/lcp/travel8/lcp3.php Please realize that you don't have a credit problem, you have a MONEY PROBLEM. CA$H is always King. Your secured loan using your savings is something you can start today. Bank credit is good credit. You must make all your payments on time. http://2.vacationmedia.net/lcp/travel8/lcp3.php Do not over extend yourself in this process of building & re-building your credit. Take it slowly one step at a time, and always BE PREPARED which is the Boy Scout motto. You need to read, search, and learn all you can about credit. This is only your first step of many steps in adding REAL MONEY CONCEPTS into your life. Here are a few phone numbers for your secured credit cards; 800.876.3262 / 617.786.3000 / 800.937.5000 / 800.285.8610 / 800.796.6118 This is only a few of the cards available. http://2.vacationmedia.net/lcp/travel8/lcp3.php Please call each of them, and check with your local bank and/or credit union to see if they offer them. Critique your credit reports. There are three key reporting agency's; TransUnion.com 800.888.4213 Experian.com 888.397.3742 Equifax.com 800.685.1111 Also check FreeCreditReport.com http://2.vacationmedia.net/lcp/travel8/lcp3.php Manage your Mortgage. What mortgage right? Well if you are paying rent, pay it regularly and pay it on time. Pay with a check. This way you will have records of your on time payments and your good payment history. Paying $400. $500. $600. per month is not bad. This is a history over time that will help you secure a mortgage. Part of managing your mortgage is preparing to get one. You will continue to build, re-build & expand your credit. How Much House Can You Afford? 4.5% 5% 5.5% 6% 6.5% P $400 78,850 74,600 70,500 66,800 63,192 A $500 98,600 93,100 88,100 83,450 78,989 Y $600 118,350 111,850 105,600 100,050 94,787 M $700 138,100 130,350 123,200 116,750 110,585 E $800 157,800 148,950 140,900 133,450 126,383 N $900 177,585 167,650 158,500 150,050 142,180 T $1000 197,300 186,300 176,100 166,850 157,978 Desired Monthly Payment x Rate = Loan Amount The Above Calculations Are 30 Years PI Principal & Interest Only http://2.vacationmedia.net/lcp/travel8/lcp3.php Also you may consider owner financing for a short period of time, 2 to 5 years. When talking to real estate agents keep in mind they have a real estate license not a mortgage license. They may be very good sales people, but not knowledgeable of how to help you with your mortgage needs. A mortgage is just a loan. Don't give up, someone wants to make a mortgage for you. Keep looking. START A PART TIME BUSINESS http://2.vacationmedia.net/lcp/travel8/lcp3.php Everyone needs to have their own business. Not only have these REAL MONEY CONCEPTS been educational, they are now going to become profitable, if you make them work for you. MichaelsHBB.com is a great business to consider. http://2.vacationmedia.net/lcp/travel8/lcp3.php Low start up cost with a proven company that can help you make money and grow your new business. This great opportunity is easy to start at home , and you work the hours you choose. Naturally the more you put into your business the more successful you will be. http://2.vacationmedia.net/lcp/travel8/lcp3.php Manage Your Mind. Proverbs 23:7 says...For as a man thinketh in his heart, so is he; We think, then we act. http://www.biblegateway.com/passage/?search=Proverbs%2023:7;&version=9; Our thoughts matter. Proverbs is the book of wisdom in the bible. (BibleGateway.com) There are 31 Proverbs, so you can read one each day. http://www.biblegateway.com/passage/?search=Proverbs%20;&version=46; There is so much to be said about our thinking. A few books to consider; How To Handle Adversity by Charles Stanley First Things First by Stephen Covey Forgive& Forget Healing The Hurts We Don't Deserve by Lewis B. Smedes. DREAM. What else can I say. WE MUST DREAM. http://2.vacationmedia.net/lcp/travel8/lcp3.php We will never achieve all we dream, but we will only achieve what we dream. Take Action Now. We can always put something off till tomorrow, DON't. Take action now. Make your plan of action. Secure Your Future . A job will not secure your future. A company cannot secure your future. A government cannot secure your future, not one you would like. ONLY you can secure your future , and make it what you want. http://2.vacationmedia.net/lcp/travel8/lcp3.php Read and Serve. Last but not least we must read & serve. Knowing Jesus Christ and accepting him many years ago was the best choice I have ever made. Jesus is not one of many ways, He is not the best of most, HE IS THE WAY. Take time to read the BIBLE @ BibleGatway.com I hope and pray that you take time to read the Bible and learn about Jesus, and grow to Know Him, Live for Him, and serve Him. http://www.biblegateway.com/passage/?search=jonh%203;&version=46; Just a few closing thoughts. http://2.vacationmedia.net/lcp/travel8/lcp3.php ATTITUDE by Charles Swindoll "The longer I live, the more I realize the impact of attitude on life. Attitude to me, is more important than facts. It is more important than the past, than education, than money, than what other people think or say or do. It is more important than appearance, giftedness or skill. It will make or break a company...a church...a home. The remarkable thing is we have a choice every day regarding the attitude we will embrace for that day. We cannot change our past ...we cannot change the fact that people will act in a certain way. We cannot change the inevitable. The only thing we can do is play on the one string we have, and that is our attitude...I am convinced that life is 10% of what happens to me and 90% how I react to it. And so it is with you...we are in charge of our ATTITUDES." http://2.vacationmedia.net/lcp/travel8/lcp3.php SECRETS OF SUCCESS Start by determining your ultimate goals in life, Establish your priorities to reflect those goals, Create a plan that includes room for flexibility, Research and practice to reduce risks and errors, Efforts lead to rewards, excuses lead to failure, Strength is achieved by confronting difficulties, Organization, Focus, and Persistence gain results, Faith in yourself frees you from fear and doubts, Self-control is the truest of human mastery, Use your talents and skills as natural resources, Challenges always offer opportunities for growth, Change is the only constant you should depend on, Experience exceeds all other methods of learning, Society never owes you more than you have earned, SUCESS IS A WAY OF LIFE FOUND MOMENT BY MOMENT. http://2.vacationmedia.net/lcp/travel8/lcp3.php Note: The information in this article is provided by the author. http://www.H-B-B.Biz All answers are general in nature, not legal advice and not warranted or guaranteed. Readers are cautioned not to rely completely on this information, but use due diligence in choosing the HHB of your choice. (http://www.H-B-B.Biz) Because laws change over time and in different jurisdictions, it is imperative that you consult an attorney in your area regarding legal matters and an tax professional regarding tax matters. (http://www.H-B-B.Biz) Bottom line(http://www.H-B-B.Biz) if you choose to start your HBB you can change your future in many ways, Financially, Socially, and most of all your true freedom in owing part of the American Dream having your own Home Based Business. (http://www.S-i-g-n-U-p.com) I hope this article was helpful for you learning about how to start your Home Based Business. Visit :http://www.YourHomeBasedBusiness.US Real-Money-Concepts.2020TRAVEL.Biz http://Real-Money-Concepts.2020TRAVEL.Biz About the Author I'm just a average person making money on the net. 24 Hour Info; 800-985-1858 http://www.MichaelShell.Biz http://www.MICHAELsHBB.com http://www.2020TRAVEL.Biz. The best thing about a internet based business MONEY. http://2.vacationmedia.net/lcp/travel8/lcp3.php http://www.YTB.cc I can do business all over the WORLD. http://www.DomainsAnHosting.com http://www.2DAH.com http://www.Bridal-Registry.Biz http://www.T-H-A-N-K-Y-O-U.US [ Next Thread | Previous Thread | Next Message | Previous Message ]