How to Manage Personal Finances – Part 1 of 12

The above video presentation discusses the basics of personal finance and planning, for the short and long term.

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Website Reviewed: Debt to Wealth

You are reading this because you want to get out of debt. There are many programs and guidebooks available online that can offer you a step-by-step blueprint to get out of debt fast, or at least in 3 to 7 years. So, what makes this John Cummuta Debt to Wealth program different?

Well, the problem isn’t so much how to get out of debt, it is transforming debt into wealth that is the secret. Many people manage to get out of debt but soon after they are back in the same mess again. That is what makes this Debt to Wealth program different; John not only shows you how to get out of debt, he shows you how to start transforming debt into wealth.

Maybe that sounds far fetched when you are living paycheck to paycheck. However, before reading the rest of this Debt to Wealth review, why don’t you click the link below and visit John’s website. Read all of the page but if you want to jump down about a third of the page you will find out how the average family can pay off debts that are 2.5 times their annual income in 5-7 years!

The Debt to Wealth Review

Basically then, the Debt to Wealth program will show you exactly how to get totally out of debt, and that includes your mortgage, and start building wealth, in 5 to 7 years and only using the money you already earn.

Even though 95% of Americans live in debt and less than 5% of Americans actually retire financially independent, you do not have to follow the same alarming trend. Like most Americans, your biggest debt is your home followed by your credit cards. The problem is that the credit card companies are happy to see you in debt, making the minimum payments, until you are old and grey.

Well, the Debt to Wealth program destroys that debt, and John Cummuta can show you how. It doesn’t matter how much debt you have or how much money you make, John’s program works to eliminate your debt. Below are some testimonials from people that have bought the Debt to Wealth program:

“I am happy to report that I did continue the principles, and finally was debt free a year ago. This has certainly been of help recently as I was laid off last month, so not having a mortgage and loans to pay has eased the stress. Thanks for a great program!” – Paul Joyce, Keller, TX

“According to your plan, we should be out from under $164,000 of debt in about 4 years just with my husband’s income! Every day we ‘find’ more income to add to the priority margin chipping away at that 4 year figure, and WE’RE EXCITED!”

Thank You John! – Rick & Marcie Palmer

“At the time I found your program, was actively contemplating bankruptcy. Now, two years later, I’ve paid off four credit cards, the car, 1 personal loan, and am working on the last credit card and loan. In another six months there should be nothing left but the mortgage!

Thank you, thank you, thank you!” – Sue Staley, Milboro, VA

What is Included in the debt to Wealth Program?

First, you get the Welcome Kit which consists of an introductory letter from John, as well as a welcome video, a Commitment Certificate, and The 14 Day Challenge – all worth going through to get you in the right frame of mind and to make a commitment to the program.

At the heart of the program is The Debt to Wealth 3-part online video and audio course which consists of the following:

• Module One: The Trouble With Debt

1. The Five Crushing Outcomes of Being in Debt
2. The Shocking Truth About Mortgages
3. The Five Surprising Ways Debt Damages Your Life
4. The Truth About Credit Cards They Don’t Want You to Know
5. How Your Car Payment Could Rob You of Millions

• Module Two: The Coalition of Four

1. The Explanation of the Coalition of Four-Who They Are…And…What They’re Doing to Rob You of Your Financial Future
2. The Real Reason Most People Will NEVER be rich
3. How The Coalition Uses Our Weaknesses Against Us
4. Why A Consumer Mindset Actually Destroys Wealth
5. Revealed! The Monthly Payment Trap!
6. The Difference Between Good Debt and Bad Debt

• Module Three: The Debt to Wealth™ Solution

1. Stage One: How to Operate 100% On Cash
2. Stage Two: How to Quickly Begin Building Wealth By Paying Off ALL Debts (including any mortgages)!
3. Stage Three: How to Focus ALL Available Cash On Long-Term Wealth Building!
4. How to Harness The Power of the Cascading Debt-Elimination System™
5. The Six Steps To Totally Redesigning Your Life!

You also get The Debt to Wealth Companion e-Workbook, Ten Keys to Staying on Track with Your Debt to Wealth Plan Audio, Secrets, Myths and Realities of Financial Independence e-book, Jump Start Your Credit Status e-book, and The Trend Tracker e-book.

Summary of Transforming Debt Into Wealth: John Cummuta Debt to Wealth Review

First of all, don’t be apprehensive about the cost of this program; all that you have seen above comes in a digital format that can be downloaded to your computer. The Debt to Wealth program was originally offered as a physical product which was quite expensive but now it is very affordable.

Second, I want to point out that the program is sold through the payment processor called ClickBank. I have used ClickBank for years to buy digital e-books and software programs and I have never had a problem with them. There is also a 100% money back guarantee if you are not happy with the Debt to Wealth program.

For the reasons above, I am always surprised when people ask if the Debt to Wealth program is is scam. The answer to this is that it isn’t a scam; the price is too reasonable, their is a comprehensive money back guarantee, and the program works – but you obviously have to put the effort in to see the results that you desire.

Finally, if you truly want to get out of debt then I recommend taking a look at the Debt to Wealth program by clicking on the link below. Just think, you could be soon transforming debt into wealth and not have to worry about your retirement.

Click Here to Check Out the Debt to Wealth Program by John Cummuta

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Whenever you apply for credit of any kind, you are basically making use of someone else’s money to purchase something. Additionally, it means that you are making a promise to repay the money with interests to the financial institute or to the person that gave you the credit.

Every time that you apply for credit, whether it is a mortgage, a credit card, or a personal loan, it is standard practice for the lending institute to check up on your credit worthiness. Your credit worthiness can be determined by your credit score and your general credit history.

The Importance of Maintaining a Good Credit Score

Your credit score will determine whether you are granted the credit and under what conditions. If your credit score is low then you will probably be declined any credit. If it is in the middle range then you may get the credit but not the amount you wanted or you may have to pay higher interest rates. However, if you have a high score then you will almost always get the credit with the best possible terms.

The thing that influences your purchasing power and your eligibility to gain any future credit facilities is your credit record. You should take into account that a good credit score can help you in a number of purposes, like buying a car, mortgaging a home, applying for a job, or renting a property. In contrast, a bad credit score can expose you to inflated interest rates and uncalled for loan terms from financial companies. These two facts are central in understanding why maintaining a good credit score is crucial.

The Credit Repair Process

So, if you need to improve your credit score/history you will have to attempt to restore your credit worthiness through the process of credit repair. This involves obtaining your credit report from the three main credit reporting agencies; Equifax, Experian, and Transunion.

Every consumer is permitted access to one credit report from the three credit bureaus each year. It is possible that there are differences within the credit reports between the three major credit bureaus as creditors are not obliged to report to them, therefore some will report to only one or two.

In many cases it is possible to improve your credit rating by fixing any obvious issues, including misreporting, omissions, misinterpretation or other erroneous reporting. If your poor credit history was caused by circumstances beyond your control, you should request to your creditor an upgrade in your credit rating. Though, this can only be done if you were able to make amends to your credit records after the fact.

Consumers are now protected by the Fair Credit Reporting Act which states:

Reasonable Procedures – It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

Therefore, if you have any discrepancies in your credit report, you have the right to dispute those errors. After all, it is in the consumers’ interest to make sure their credit standing, credit worthiness, and credit capacity are accurately reflected in their credit report.

Summary of Credit Repair Advice: Understanding Basics of Credit Repair

The process of credit repair can be accomplished through discipline and consistent effort. There are easier methods that can be quite tempting which can help you get out of a poor credit history.

Remember that these quick fixes can only lead to added complications in the future particularly if they were done illegally. The best credit repair advice I can give you is to take action. Contact the credit bureaus to acquire your credit report, make your own corrections, contact your creditors, setup a budget, and consolidate your debts can improve your credit score in the end.

Finally, if you want a true do it yourself credit repair method then read the following two review:

1. Credit Repair Software – Credit Repair Magic Review
2. Credit Repair Advice – 37 Days to Clean Credit Review

The first one is a credit repair software program and the second one is a step-by-step blueprint that walks you through the credit repair process. You can also get more credit repair advice here.

Credit Repair Advice if you are a Mid 500 Credit Score

http://www.creditblossom.com/credit-repair-blog If you have a mid 500 credit score this video will give you a good idea what to do and what you are facing. You need a path and a plan. This video will give you that so you can repair your credit.

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As far as financial experience goes, I have successfully bought and sold several properties in several countries. I have managed several companies, both small and medium sized, being involved in different areas of management; production, exports, accounts, quality control, labor, and financial planning.

The reason that I set up this website was to help people manage their money better. Also, I hate being taken for a fool or falling for a scam…and the personal finance niche is full of websites that are just there to take your money and run or to offer you a high priced financial service.

While working for some of the above mentioned companies, I was told to cut costs while maintaining production. The company didn’t want to spend money on financial experts/companies, so I had to use my initiative and do everything myself.

That is the premise of this website; to show people that they can take a do it yourself approach to their personal finance situation. You don’t need financial service companies to tell you how to manage your debt, how to repair your credit, how to negotiate a loan modification…and you probably will not like the price tag that these companies charge!

So, I have included many articles on all areas of personal finance to help you manage your money. Also, I have found some good resources that teach you to do yourself what those financial service companies want to over charge for.

Good Luck with your personal finances!

William Wilkie

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Credit Repair Services

You have probably seen all the adverts from companies offering credit repair services. After all, it can be tempting to just pay a company to “do the work for you,” especially if you have no clue how to go about repairing your credit. However, the services that those credit repair companies, including law firms, use are underhand but you need to know about them.

First, as they charge monthly for their service, they will obviously make more money if they intentionally prolong the process; this is why they often take many months and even years. You could expect to pay about $100 setup fee and up to $80 every month – that works out to over $1000 per year!

The second thing that you need to know is that it is you who will actually end up doing more work than the credit repair company and certainly more than if you did it yourself. On top of the numerous forms that you will have to fill in, the credit repair company obliges you to personally decide which items to dispute and how to dispute them. Also, you will have to regularly send information that the credit bureaus send you to the credit repair company.

Follow Instructions from the Credit Reporting Bureaus

Considering that one out of four credit reports contain mistakes, do you really want to follow the advice from the credit reporting bureaus? Is it in the best interests of the credit bureaus that you have a clean credit report and a high credit score?

If you follow their advice, your credit score will hardly improve, if at all. Remember that the credit bureaus make money by selling the information in your credit history to potential creditors, insurers, landlords, and employers. So, don’t trust their advice if you want to fix your credit.

Do-It-Yourself Credit Repair Programs

These Do-It-Yourself programs are normally in the form of a printed book, an e-book, or an audio program. You can find dozens of these programs, but most of them are out of date. Some of them even offer advice that is impractical or illegal.
However, if you are well organized and you have plenty of free time available, the course of action that these DIY programs describe will work reasonably well in the end.

Credit Repair Software

Finally, there is credit repair software. There are more than a few companies offering credit repair software although some are a rip-off. However, the better credit repair software products combine the best of all worlds: ease of use, low price, effectiveness, and speedy results.

The best quality credit software programs can cost up to a $1000 or even higher. However, there are perfectly good programs available for just under $100. When you visit the website of a credit repair software vendor, look for a satisfaction money back guarantee and a professional-looking website.

The best credit repair software program for the money is called Credit Repair Magic. It costs only $97 and it is the fastest and most cost-effective credit repair solution available. So, don’t waste your time with ineffectual e-books or outrageously overpriced monthly services.

Download the best credit repair software – Credit Repair Magic and you will soon be enjoying the benefits of a clean credit report and a higher credit score.

Remember, the average credit score is 677 in the USA. If that average American could raise their credit score to 720 then that family could save $421 per month on average on house payments, credit cards, car payments, and other types of credit. That works out to over $100,000 in 20 years! For those that have a score lower than 677, then you will have all the more to gain.

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However, there are precise steps that should be taken if you want to limit the damage to your credit history. So, below are six steps you should follow if you have become or believe you are a victim of identity theft.

Step 1: Contact the 3 Major Credit Bureaus

Contact by phone the fraud departments of all three credit bureaus. Explain to them that you are a victim of identity theft and that you want to be personally contacted prior to any new credit being issued in your name.

Equifax
Call: 1-800-525-6285
Write to: Equifax Information Services LLC, P.O. Box 105069, Atlanta, GA 30348-5069

Experian
Call: 1-888-397-3742
Write to: P.O. Box 2002, Allen, TX 75013

TransUnion
Call: 1-800-680-7289
Write to: P.O. Box 6790, Fullerton, CA 92834

You should insist that they place your account under investigation for identity theft while it remains on your credit report.

Step 2: Order Your Credit Report

Order your credit reports from all three bureaus so that you can look for accounts that might have been fraudulently opened in your name. You are permitted a free copy of your report from each credit bureau if you are the victim of identity theft.

Step 3: File a Police Report

Without a police report, companies who have wrongly issued credit in your name, will not take you seriously. A police report will protect your legal rights.

Step 4: Contact Your Local Post Office

If someone stole your mail to obtain your information for the purposes of identity theft, then report this fact officially to your local postmaster.

Step 5: Contact the Department of Motor Vehicles and Social Security Administration

If the identity thief is using your driver’s license number or social security number to commit identity theft, you may have to obtain new numbers from these agencies.

Step 6: Contact Each Company that Approved Credit to the Identity Thief

In this case, communicating by telephone will not protect your rights. Instead, send certified letters and inform them that they correspond with you in writing.

Summary

The above 6 steps will be the first things that you should do after becoming a victim of identity theft. A great way to prevent identity theft is to check out one of the identity theft protection services, like TrustedID.

Now you might want to do something to repair your damaged credit. So, if you’re looking to find more information on how to repair your credit, then download the best credit repair software available.

Do not waste time with cheap yet ineffective e-books or ludicrously overpriced monthly credit repair services. The software mentioned above is called Credit Repair Magic and it is the fastest and most cost-effective credit repair solution we’ve ever seen.

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By William Wilkie
You are probably here because of the economic crisis or because of the insecurity in the job market. As a result, you may be facing foreclosure, trying to deal with debt collectors, trying to figure out how to get rid of credit card debt, or finding it hard to get credit.

Whatever the reason, you need a solution as quickly as possible. So without further ado, below you can find the What Lies in Your Debt review.

Whether you found this page because you were searching for the What Lies in Your Debt program or you arrived here after searching for something related to stopping foreclosures or debt collectors, the important thing is to realize that the help you desperately need is within the What Lies in Your Debt program.

Who is Behind What Lies in Your Debt?

They are a team of debt specialists that work full time researching and applying the law against financial institutes who violate the law. They have a combined experience of more than 40 years in foreclosures, credit card debt, as well as the following:

• Fair Credit Reporting Act (FCRA) violations
• Fair Debt Collection Practices Act (FDCPA) violations
• Telephone Consumer Practice Act (TCPA) violations
• Real Estate Settlement Procedures Act (RESPA) violations
• Truth in Lending Act (TILA) violations

They have a proven history of collecting from the debt collectors and the banks and forcing them to pay for breaking the law. The What Lies in Your Debt program will enlighten people so they recognize they have choices and don’t have to be a victim.

Who is the What Lies in Your Debt Program For?

If you want to stop debt collectors harassing you or you want to know how to deal with collection agencies then this program is for you.

If you want to stop foreclosure now to save your home then this is the stop foreclosure program you have been looking for.

If you want to know how to get rid of credit card debt legally and quickly or is you have any other debt issues, then this program is for you.

Also, this program is for you if you want to learn how to do credit repair yourself and subsequently raise your credit score.

Would You Like to Get Paid for Getting Rid of Your Debt Problems?

The heart of the What Lies in Your Debt program is learning how to have creditors, debt collectors, and credit reporting agencies pay you money for their violations of the law. You see, they have cracked the code so consumers can really profit from their debt.

With the knowledge, training, and process you will get from this program you will be equipped to collect for those harassing letters, phone calls, and inaccurate credit reporting – the best part is you will seldom, if ever, have to go to court.

Financial institutes breach the law, you enforce the law, and you get settlements normally for more than you owe. In other words, the debt just goes away!

Benefits to the What Lies in Your Debt Membership

As you now realize, with this program you will not only learn how to profit from these abuses, you will be able to stop debt collectors immediately with an almost 100% success rate.

• Unique and easy to use system that is proven to work time and again
• Real solutions with real
• Members actually profit from using the program unlike anything out there
• Guaranteed to prevent wage garnishment and bank levies from creditors
• Constant updates with daily news
• Plenty of support through weekly Tele-Seminars
• Member only forum and community for further support
• 60 day money back guarantee

Summary of the What Lies in Your Debt Review

They say that knowledge is power but only if you have the specialized knowledge and the determination to act. I hope this What Lies in Your Debt review has given you enough information to realize that the solution to your debt problems is within your grasp.

The question is can you afford not to take the next step? The good news is that there is really nothing to lose. If you cannot stop foreclosure now, if you cannot stop debt collectors from bugging you, if you cannot clean up your credit, and finally, if you cannot make a few thousand dollars during the whole process…Then they will refund your money 100% within 60 days.

Click Here to Join the What Lies in Your Debt Program and Stop Foreclosure and Stop Debt Collectors Dead in Their Tracks

Bank Mortgage Fraud… How They Do It

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