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Be Debt Free it is the only way to be

March 16th, 2009

Debt Free is the only way to be. I am sure for a lot of people getting debt free will not be easy, but you can do it. I know it will be great one day that I do become debt free. It was just too easy to get all those things I didn’t genuinely need but believed I must have.

Many years ago in this country many more people were debt free. I recall how my parents and their friends talked about having debt. Any amount debt was a serious issue. They did not want to have debt. They understand how it is that a person losses some of his freedom every time he takes debt.

Having debt, carrying debt… . The debtor must have his regular fix. It may have been easier in the days when more people kept the same job for many years. Today even good jobs come and go like like the breezes.

I just sold my nice car. Why? I did it so I could get free of the payment and even though I am driving a less nice car, it is a paid for car. Living Debt Free is about freedom. Less stress and more time to do things I enjoy.

Try to think how your life could be without all the debt. If you can get a good image of how much less stress you would have that is a good start. Then start working on how to live on less. It is ironic how it is that without the debt stress I don’t feel as much the need to have more stuff to fill the empty feeling from thinking having more stuff would somehow be so great.

You can discover more about debt free living at the Debt Free Living Lens or the Debt Free Living Hub

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the Debt Free Living Hub

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Mobile Home Loans: Types and Features

January 6th, 2009

Mobile home loans are types of home loans that are available for purchasing
mobile homes or manufactured homes. These homes can be shifted from one location
to another. Of late, mobile home loans have become quite popular.

Usually, there are two forms of mobile home loans that are offered to the borrowers.
The first type is offered to purchase a mobile home with land and the 2nd type
is offered for purchasing a mobile home without land. While the land is not
taken into account, financial institutions and lenders offer a loan for mobile
homes in family land, leased lots, parks or any location where the home is not
transferred to any other person’s name through any legal instrument. On
certain occasions, this is applicable for people who purchase mobile homes and
set it on their land till the time they construct another home afterwards.

Mobile home loans without land are regarded as financially insecure and numerous
prominent lenders have stopped offering them altogether. Regarding loans to
buy mobile homes with land, the land is obviously secured as collateral against
the amount of the loan. For obtaining either type of mobile home loans, you
should have a good to outstanding credit score. The higher your credit score,
the better is the probability of receiving the loan. Normally, mobile home loan
providers do not ask for an application fee for offering these loans. They only
charge the appraisal fee.

A few mobile home loan providers have prerequisites for mobile home foundation
which have to be satisfied by the borrowers for financing the loans on both
mobile home parks and personal land. One of the prerequisites is that the hitch,
axles and wheels of the mobile home have to be detached. One more prerequisite
is that the mobile home has to be forever attached to one of the following bases;
either a poured concrete block on grade with a suspended slab and concrete block
vertical supports set up underneath the frost line or a poured concrete reinforcement
pillar placed underneath the frost line.

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Be Carefull When Choosing A Credit Repair Company

December 17th, 2008

You may be one of the many people these days who needs a credit repair company. None of us want to wind up with a bad credit history. Some of the credit companies make it difficult to pay the right amount on time. After the initial rate we started with some go so high it is hard to keep up with. Some credit card companies change the due date probably just so they can collect late fees.

If you got laid off or have medical bills you can easily become one of the well intentioned people who make every effort to pay your bills on time but are just not always able to.

Credit was so easy to get that most of us have too many credit cards, student loans, a mortgage, or car payments. You may have not realized until you were denied credit just how much some late payments can cost you.

If you did wind up with a bad credit history, it is important to begin working toward credit repair as soon as possible. You may see the idea of improving their credit history to be intimidating and might be tempted by a company online that offers to quickly fix their bad credit for a price.

Though there are situations where one of these credit repair companies may prove useful, in some situations they are unnecessary.Credit repair companies aren’t a realistic solution for some people, because they provide you with a service that you are able to do perfectly well on your own.

These credit repair companies will have you obtain a copy of your current credit report from a credit-reporting agency. They will then launch an attack on each of the negative items on your report, in writing. They don’t do this with the idea that you have many mistakes on your credit report, but in the attempt to take advantage of the credit reporting agency’s legal obligation to respond to all investigation requests within 30 days.

In effect, the credit repair company is “working the system”. If the credit reporting agency fails to respond within the specified time period (difficult to do if you multiple items are challenged at once) they are required to remove the challenged item (or items) from your credit report.

You can do all this yourself. Just write a challenge letter of every negative item on your credit report every 30 days. If that is not something you can see yourself doing then go with a legal firm like Lexington Law. They are one of the top in the business and get results. At least they did for me. If a company is not a law firm then they have no obligation to safeguard your information.

This is not for everyone, but it did work for me when Lexingto Law fixed my credit report.

Just click this pic:
Legal, Effective, Credit Report Repair

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Lexington Law Was Able To Repair My Bad Credit

December 17th, 2008

A few years back while I was starting a business I got late on some credit cars. Some were even 90 days.
Over time I was able to pay off all those accounts.


Lexington Law worked whatever magic it is they work and those bad credit listings were gone
off of my credit report.

It took a few months, and at first I thought it was a scam. I didn’t even send them all the
etters from the reporting agencies like they asked.

Like they say the proof was in the pudding,
after a while I was able to get top line credit cards with good available limits at low rates.


Legally Repair Bad Credit

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3 Ways You Can Eliminate Debt

December 16th, 2008

It seems to take no time at all to grow too much debt, then it may take years to eliminate it. Sometimes it is just too easy to buy things on credit or take out loans. The scary truth is, credit card companies want us to build up debt. Then they jack up the rates. Then they change the due date so you get late fees.

Before we know it we are in debt up to our eyeballs.

The first step stop getting into more debt. If you cut up all but one or two of your credit cards and stopped using credit all the time eventually you will eliminate all your debt. Easier said than done, don’t we all know. But stop and think.

If you set yourself a budget, living on cash only or close to it, and decided to get rid of your debt as soon as possible, you can do it!. Make a list of all the debt you have. This is everything that you pay to every creditor and includes any loans, credit cards, financed items such as the finance on your car or furniture and also the big one, your mortgage.

Find this out:

1. The total amount of the debt
2. What you pay every month
3. How many months you have left to pay
4. The interest rate you are being charged

This is the begining of a plan that will take you out of debt. It may not be a pretty sight after you add it all up. It may well be more than you thought it would be too.

Start with the highest interest debt and pay that down as fast as possible with the biggest payment you can possibly make. If you are real serious you would have also kept a journal of how much you spend every day for a week ot two and figured out some stuff youcan stop buying or buy for less. Take this extra money and use it to make the payments. Then do the next highest interest rate debt.

Since this lowers your interest cost it will be a big help to you as time goes by.

It might seem ridiculous that this can eliminate debt but it works better than you think and actually can save you a lot of money in interest!

Another approach is to sart paying extra on the smallest loan then this will be paid off the fastest. Once you pay this off, take the amount you were paying on that loan and use it towards paying off the next smallest loan. Many people like to use this method to eliminate debt because you can achieve a series of small goals, this will encourage you to stay at it.

Eventually you will end up with only your mortgage left which – if you take all the money you were paying on your other loans and put it towards your mortgage you can pay off a lot sooner too.

A third method is to target the largest payment you have to make every month and put as much extra towards it as you can, while paying the minimum on the other debts. You can also target the loan that has the least number of months left.Clearing the loan that takes the highest payment every month has the biggest effect on your bank balance every month. Clearing the loan that has the least number of monthly payments left has the fastest effect on your monthly bank balance.

With any of these methods, once you have paid off any debt, remember use the money you were giving to that creditor to pay the other loans off faster. Trying to eliminate debt this way is one of the bigger challenges so don’t do it unless you already know you can make a plan and stick with it.

Of course, if you have too many debts and your budget is totally maxed every month you might want to seriously consider a credit counselor to help eliminate debt. Or watch this video.

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Avoid Eliminate Debt Scams

December 15th, 2008

With the economy in this total funk there are millions of people searching for help to eliminate
their debt payment problems on the net. Unfortunately research shows many of these websites
offering to “help” people with their debt are actually misinformed, misleading, or outright scams. Read on to find out some of the things to avoid when you are searching for
help with eliminating your debt.

The most common total scam on the net right now are sites claiming that you can “legally” cancel

your debt. These sites claim that you can get out of paying anything at all.

Read more…

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Tips To Start Eliminating Debt

December 15th, 2008

Almost all of us get a little behind in paying all our bills. Life can be messy, right? Our debts become greater than our incomes, often when some unexpected expense comes up, and we fall behind.


There are ways we can eliminate debt, and get ourselves back on the right track. The best way to eliminate debt is to keep debt to a minimum to begin with. Just have one, maybe two, credit cards that you can keep up with, and not over spend with.


If you have already over spent thjen it is time to get going on a plan. A good plan and some time will get you out of debt. Be patient and have some faith. Get a notepad and make a list of everything you spend for a week. You will see some things you can cut. Use that savings to pay down your highest interest debt.


Make yourself a budget so you can see where your money is going. When you see how far in debt you really are, as opposed to how much wealth you have, you may be surprised. Once you know the damages, you can decide the type of help you will need.


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9 Years Living Debt Free A Wonderful True Story

December 14th, 2008



I’ve just completed my ninth year of being completely debt free. On January 19, 1999 I paid off my first home. That 30-year mortgage ended up being only 6 ½ years, saving me over $80,000 in interest payments.

Six years ago, we moved. We doubled our real estate assets and increased our net worth. When we purchased our new home and property we paid cash. We’re still debt free and loving it.

Being debt free really is not about numbers, at least not numbers in dollars, but perhaps numbers as in time. I am very thankful to John Cummuta and the Debt-FREE & Prosperous Livingâ„¢ and Transforming Debt Into Wealthâ„¢ systems for the opportunities that living this lifestyle have opened up for my family.

I’m a strong believer in helping your fellow man to help himself. For me it is important that I use my life to help others improve theirs. I get this opportunity almost every day. I go to work everyday happy and glad to be there. I love my job. I also love the work I am able to do for my community.

I write this not to boast, but to encourage you to reach for your dreams, to write them down, and then create your plan to achieve them. Being goal oriented will help you to attain all that you desire. Studies show that when we are goal oriented we are more productive, we are less stressed, we are happier and serene.

Working to achieve my goal of becoming and remaining debt free is what allows most of the happiness in my life. Before I started my path to financial freedom, I sat down and made a list of the things I had always wanted to do, but felt that time and money was preventing. I share some of my original list with you below.

1. Visit my family more often

2. Relax

3. Learn to golf

4. Learn to play the piano

5. Go back to College

6. Volunteer with local charities

7. Winter home

When I look at this list I’m proud to say that all but one has been accomplished. While the number 2 goal, relax is an ongoing battle. I think it’s time to reevaluate my goals and to set new dreams.

I could easily talk about my investments and my net worth, but living a Debt-FREE & Prosperous™ lifestyle is really not about numbers in dollars, but how many hours I can spend on field trips with my children’s class, how many track meets I can attend, how many students graduate from the ESL (English as a Second Language) classes I teach, how many families are helped by the Family resource center that I am on the board of, how many low income students we can buy school supplies for, how many days in a year I get to see my family, etc.

What are you dreams? What are your goals and why aren’t you achieving them? Most people fail to make a plan to reach their goals and that is what stops them from “just doing it.”

Make a list of things that you would like to do or always wanted to do, but feel that money and/or time have stopped you. From there create your plan, by committing yourself to becoming debt free. Once you have the plan, the steps are much easier to take. I hope this time next year you have items on your list marked off too.


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Debt To Wealth in Four Steps

December 6th, 2008

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There are lots of kinds of wealth. Wealth of friendships, family, happiness. This is about wealth of money.

The  amount money or income to be considered wealth varies by people’s vies and where your are in the world. Say you start making every month what you have been making per year, to me that is wealth.

Wealth building, in essence, is made up of four financial aspects:
* Growing a cash machine
* Allocating assets
* Spending planning
* Managing/eliminating Debt

Growing a Cash Machine

The first and most important aspect of the wealth building foursome is building a cash machine.
You cash machine is an incorporated business, which is ideally based on leverage of your existing skill set. For example, say you are an automobile mechanic. That’s a service. How can you leverage your skills so that you have a business that makes money while you sleep? (The definition of a cash machine).

Here’s a scenario: People buying used cars come to your shop for inspection before they buy, and you realize that many of the things you check during your inspection, the consumer could easily check for themselves. You teach a class at the community college and you package the hand-outs you’ve created for the class. Make them into an ebook, hire a marketer, and voila’ you have a cash machine.

That’s simplified, but you get the idea. Wealth builders are generally entrepreneurs. Think of something similar you could do with your skill set, and grow a cash machine.

Allocating Assets

With the income from your cash machine, plus all your other assets, create a comprehensive plan for your assets to work for you. A step by step plan that will build over time. You’ve heard the saying, “Stop working for money and get money working for you.”

You’ll need advisors to set up an incorporated business for your tax strategy as well as asset protection. And, you’ll want a financial advisor to help create your overall plan.
One of your most important assets to allocate is time. Millionaires “hire” time. Invest in building yourself a team of experts and support personnel. In addition to expert advisors, hire bookkeepers, housekeepers, assistants, etc.

Spending Planning

History is littered with stories of people who made a lot of money then spent themselves broke. When the cash starts rolling in, a common mistake is to allow spending to keep pace with the increased income. This makes for a cushy lifestyle, but isn’t part of a good wealth building plan.

Value your personal life priorities when you make your plan. It doesn’t need to be restrictive (like a budget). Think of it more like a framework for financial decision-making that serves your long-term interests at the same time providing resources for you to enjoy the present.

Manage and Eliminating Debt

Once you’ve got your cash machine going, turn your attention to paying off all your consumer  debt: credit cards, mortgage, all of it.

Not all debt is bad. Sometimes, you want to leverage someone else’s money. Buying income real estate is an example of such a time. But for the most part, a focus on minimizing or eliminating debt is a sensible part of any wealth building plan.

When you build enough wealth is becomes freedom. Freedom to help your family, freedom to try new things, freedom to travel. They say time is money but time is worth much more than money, even a billion dollars will not buy back the minute that just went by a minute ago.

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TOP FINANCIAL WEB SITES Click Here to Save Time, Energy, Money - Washington Post

December 6th, 2008

TOP FINANCIAL WEB SITES Click Here to Save Time, Energy, Money
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