Thoughts from a book I'm reading:
There is a thinking stuff from which all things are made, and which, in its original state, permeates,
Penetrates and fills the interspaces of the universe.
A thought in this substance produces the thing that is imaged by thought.
Man can form things in his thought, and, by impressing his thought upon formless substance, can cause the thing he thinks about to be created.
If a doubt comes to you cast it aside as sin.
Do not ask why these things are true nor speculate as to how they can be true, simply take them on trust
In order to know more, do more and be more we must have more: we must have things to use, for we learn, and do, and become, only by using things, We must get rich, so that we can live more.
Your purpose should harmonize with he purpose that is in All.
What he wants is that you should make the most of yourself, for yourself and for others and You can help others more by making the most of yourself than in any other way.
You’re first, and best thought to the work of acquiring wealth
Get rid of competition, your first thought is to create no compete for what is already created!
No man has anything of which you cannot have a like.
With your mind all things are possible. I started with 1 book and now it leads to over 500 books in my collection and this book- The Science of Wealth it is written in old English and is a hard read that is why I have to take notes. I just thought I would pass some knowledge on.
Monday, July 6, 2009
Tuesday, June 30, 2009
Credit Card Companies Say:
The only thing, and I say only thing that I agree with Obama, is his new credit card laws. I will go in depth as to what exactly each law says and doesn't. For now please read all your mail and literature that should arrive with your statements. Why you ask? The credit card companies are FORCING through all changes before the 9 month as to when Obama's rules go in effect.
For Instances most companies at will are changing the 2% min. payment up to 5%. How does that effect you? If you have just 1 credit card with a balance of $5,000 dollars - 2% is $100.00 and now it will be $250.00. What if you have 2 cards.
What if you owe the national average of $9500 again min. was $190.00 and now $475.00.
This isn't even a touch on the monthly rate or the APR in some cases up to the state max of 29.99%.
At the current moment they can do this without a notice or slip the notice in the bill. And trust me, it will not be in bold numbers. More to come!
Plus stay posted for Part II:
For Instances most companies at will are changing the 2% min. payment up to 5%. How does that effect you? If you have just 1 credit card with a balance of $5,000 dollars - 2% is $100.00 and now it will be $250.00. What if you have 2 cards.
What if you owe the national average of $9500 again min. was $190.00 and now $475.00.
This isn't even a touch on the monthly rate or the APR in some cases up to the state max of 29.99%.
At the current moment they can do this without a notice or slip the notice in the bill. And trust me, it will not be in bold numbers. More to come!
Plus stay posted for Part II:
Monday, June 29, 2009
My Life Part I:
My Life Part I:
It’s time before I go to deep into all the credit it’s time to tell my story and my background before I try to pitch that I am some business and credit expert.
Let me just say, “I am”, but I was never this serious about any of this stuff let alone when I received my paycheck I never had the feelings I do today. Now, what would I mean by that. Back then about 10 years ago, I couldn’t afford college so I got a full time job at State Farm Insurance in the MailRoom. Just outside Columbus, Ohio there is a regional office. I felt my first wrath of corporate America at its best & the family values when it comes to a so called Good and Stable JOB. Later I would learn that JOB stands for JUST ABOVE BROKE.
My job at the farm was pure factory- I was in the mailroom. I was so excited to earn 9 dollars an hour. I was living at home, trying college at night, and blowing my money in 3 days. Mostly Beer & Golf. Yes I was 18, but I had friends that where much older. I’m not perfect, as you will find out, only human! I got the itch like every 19-year-old. I wanted my own apartment. With no one helping me on my personal finances I would soon be in trouble. I got my apartment but soon realized making money was key.
I had a friend that got all the job classes at the farm and their salaries. I wanted to make 30K in two years. A 12 thousand-dollar raise in two years was doable. I found that I could post out to a position in claims as an inbound operator and pass it on to the claim reps and claim processors. The operator salary started out at 24k per year (a six thousand-dollar raise) NO COLLEGE degree needed, just SOME. Boom I get it.
In 1999 I was taking an intro to business class and I ran into a beautiful women named Jen. Love can get expensive.
It’s time before I go to deep into all the credit it’s time to tell my story and my background before I try to pitch that I am some business and credit expert.
Let me just say, “I am”, but I was never this serious about any of this stuff let alone when I received my paycheck I never had the feelings I do today. Now, what would I mean by that. Back then about 10 years ago, I couldn’t afford college so I got a full time job at State Farm Insurance in the MailRoom. Just outside Columbus, Ohio there is a regional office. I felt my first wrath of corporate America at its best & the family values when it comes to a so called Good and Stable JOB. Later I would learn that JOB stands for JUST ABOVE BROKE.
My job at the farm was pure factory- I was in the mailroom. I was so excited to earn 9 dollars an hour. I was living at home, trying college at night, and blowing my money in 3 days. Mostly Beer & Golf. Yes I was 18, but I had friends that where much older. I’m not perfect, as you will find out, only human! I got the itch like every 19-year-old. I wanted my own apartment. With no one helping me on my personal finances I would soon be in trouble. I got my apartment but soon realized making money was key.
I had a friend that got all the job classes at the farm and their salaries. I wanted to make 30K in two years. A 12 thousand-dollar raise in two years was doable. I found that I could post out to a position in claims as an inbound operator and pass it on to the claim reps and claim processors. The operator salary started out at 24k per year (a six thousand-dollar raise) NO COLLEGE degree needed, just SOME. Boom I get it.
In 1999 I was taking an intro to business class and I ran into a beautiful women named Jen. Love can get expensive.
Thursday, June 25, 2009
Update- that is never ending yet there is light at the end of the tunnel
Hello again! In an economy that is so up and down it is very important to get your priorities in your own house hold on track. Along with society it is very acceptable to make excuses and blame all circumstances except yourself. This is true NO BS so it may hurt alittle bit.
“You are exactly who you are and what you are because of your beliefs and what actions you’ve taken along the road of hard knocks”
It took a lot of time and roughly two years to finally suck it up and look long and hard in the mirror at myself!
THIS IS THE NO BULL SH&* CREDIT RESURRECTION AND THAT’S WHAT YOU GET.
Throw all the excuses away. Go to the mirror and take a long hard look at yourself with a notebook and take some notes be totally honestly with yourself and tell us why you have been shafted in your past? Its OK to just let loose.
(I could charge a monthly fee for my book, newsletter and services and people WILL pay, but its important to find out exactly who you are this could take many months! And with that you will still have my book and my emails)
NOTE:
You can buy all the seminars, buy all the books, talk with all the great people, and tell lies of what you do! What business you run! What Network Marketing Company you’re a part of? What you actually own! But the truth is that you have to look at yourself in the mirror and better yet you must look at your kids and tell them who you are.
That’s why it took me around 2 years to discover who I actually was.. So let me tell you my excuses”
With the landscape changing drastically in the economy, it’s hard to see who you trust and who you don’t. Again- As I speak about it in my ebook about FEAR its simply – False Evidence Appearing Real. Yet there is a knee jerk reaction when it comes to your own money. (I understand, but also in my experience- you need to take control of your FEAR.
From my experience being a great Salesman in Insurance, Real Estate and Banking,my experiences of overseeing other salespeople in my industry is that the salesperson that does not let you sleep on the information is a bad rep. Plan and simple. Don’t get me wrong- Have I done this – YES- I believe that the product that I sell at the moment is the single best thing in their life and if and only after if they sleep on it and decide its bad. It’s still a great product…
BUT.. Here is where I was wrong.
If you push a product as a salesman, you should do the exact opposite of what I mentioned before! Give the customer an offer that they can’t refuse- but let them decide within 24-48 hours and then follow up. 9 times out of 10 its sold and not only is it sold to a very happy customer its sold to a customer that will stay with that company and will refer business over and over year after year.. To many times I see the sale in the Real estate business, Insurance Business and banking industry go for the quick profit but don’t understand the true value of the LONG TERM CLIENT.
What you don't see as a customer is the pressure from above pushing, pushing those numbers creating only 1 avenue for the rep. DO IT, or lose your job. If you become a member and purchase my book and all my extra products. There is the "Credit Landmine Prevention Audit" That outlines your personal finances so you stand face to face in the mirror with your finances! Along with the first 100 that order get the CLPA with an exclusive 1-1 with yours truly.
Hello again! In an economy that is so up and down it is very important to get your priorities in your own house hold on track. Along with society it is very acceptable to make excuses and blame all circumstances except yourself. This is true NO BS so it may hurt alittle bit.
“You are exactly who you are and what you are because of your beliefs and what actions you’ve taken along the road of hard knocks”
It took a lot of time and roughly two years to finally suck it up and look long and hard in the mirror at myself!
THIS IS THE NO BULL SH&* CREDIT RESURRECTION AND THAT’S WHAT YOU GET.
Throw all the excuses away. Go to the mirror and take a long hard look at yourself with a notebook and take some notes be totally honestly with yourself and tell us why you have been shafted in your past? Its OK to just let loose.
(I could charge a monthly fee for my book, newsletter and services and people WILL pay, but its important to find out exactly who you are this could take many months! And with that you will still have my book and my emails)
NOTE:
You can buy all the seminars, buy all the books, talk with all the great people, and tell lies of what you do! What business you run! What Network Marketing Company you’re a part of? What you actually own! But the truth is that you have to look at yourself in the mirror and better yet you must look at your kids and tell them who you are.
That’s why it took me around 2 years to discover who I actually was.. So let me tell you my excuses”
With the landscape changing drastically in the economy, it’s hard to see who you trust and who you don’t. Again- As I speak about it in my ebook about FEAR its simply – False Evidence Appearing Real. Yet there is a knee jerk reaction when it comes to your own money. (I understand, but also in my experience- you need to take control of your FEAR.
From my experience being a great Salesman in Insurance, Real Estate and Banking,my experiences of overseeing other salespeople in my industry is that the salesperson that does not let you sleep on the information is a bad rep. Plan and simple. Don’t get me wrong- Have I done this – YES- I believe that the product that I sell at the moment is the single best thing in their life and if and only after if they sleep on it and decide its bad. It’s still a great product…
BUT.. Here is where I was wrong.
If you push a product as a salesman, you should do the exact opposite of what I mentioned before! Give the customer an offer that they can’t refuse- but let them decide within 24-48 hours and then follow up. 9 times out of 10 its sold and not only is it sold to a very happy customer its sold to a customer that will stay with that company and will refer business over and over year after year.. To many times I see the sale in the Real estate business, Insurance Business and banking industry go for the quick profit but don’t understand the true value of the LONG TERM CLIENT.
What you don't see as a customer is the pressure from above pushing, pushing those numbers creating only 1 avenue for the rep. DO IT, or lose your job. If you become a member and purchase my book and all my extra products. There is the "Credit Landmine Prevention Audit" That outlines your personal finances so you stand face to face in the mirror with your finances! Along with the first 100 that order get the CLPA with an exclusive 1-1 with yours truly.
Tuesday, March 3, 2009
Faith in oneself.. is the best and -PART I
Safest course... Michelangelo
This is a genius from the past, and many of of us have never even heard this quote. Why?
When it comes to us, when need to have a personal discussion within ourselves when making purchases. The same discussion within our voices within, as if we were at the bar wanting one more drink, same as a married man or women gets an invitation from another, same as young man gets a thought to steal, same as business man gets a thought to be unethincal.
Trust yourself, and that small, quite voice that sounds like 50 miles away. If your not religious then follow the guidlines of what is Right and Wrong! Does it make sense to purchase that item on a credit line that has already a heavy balance?
See they trick you as a business and they have no default by law, but you do by making those purchases.
Ex: You have all heard of the 0% financing for some many months-- Granted sounds like a deal! Right?
CAN BE, IF YOU PAY IT OFF BEFORE THE TIME PERIOD ENDS.
(Why is that in caps) I have to disclose that it is important.
Many don't know that if you charge a 1500 dollar tv at 0% and then say you have 1 month before that expires you have a balance of only 100 dollars. Your next statement will get hit will the interest from the "ORGINAL" amount borrowed???? WHAT???
Thats right the interest of about 20 or 30% is added on your next bill based on 1500 dollars not what you have left.
I used to work for a company that did those finances 0% things. We had a list every month that all the folks in the office could call on and solicite loans to refinance that amount.
Here is an example of the call: "Hello this is jason with XYZ financing, I see that you have a 0% financing on that big screen that is set to expire in exactly 32 days with a balance of 720.00, would you be interested in stopping in today to look at possibilities of refinancing that and lowering your interest?
NO, I have a 700 fico score quit calling- customer
Well, then I suggest you do a balance transfer- Sales Man
WHY- Well then you will have an interest bill of X amount of dollars because it is based on the ORGINAL amount not what is left and customer interest on that 2500 dollar tv, and 1000 dollar surround sound can be pretty pricy. Are you going to pay that off in 32 days.
No, they have cut my overtime.
Great- when can you come in for a review, and bring you paystubs and drivers license...
Yea I quit exactly 1 year after that..
I had faith in myself, I was scared but I knew it was a safe bet...
Believe in yourself,
I know that once this gets up and running they will be comming, I'm ready because not doing business ethically, has got the current economy in the problems that it is in.
Too be continued...
"Credit Professor" aka credit crunching, cigar smoking, crazy man
This is a genius from the past, and many of of us have never even heard this quote. Why?
When it comes to us, when need to have a personal discussion within ourselves when making purchases. The same discussion within our voices within, as if we were at the bar wanting one more drink, same as a married man or women gets an invitation from another, same as young man gets a thought to steal, same as business man gets a thought to be unethincal.
Trust yourself, and that small, quite voice that sounds like 50 miles away. If your not religious then follow the guidlines of what is Right and Wrong! Does it make sense to purchase that item on a credit line that has already a heavy balance?
See they trick you as a business and they have no default by law, but you do by making those purchases.
Ex: You have all heard of the 0% financing for some many months-- Granted sounds like a deal! Right?
CAN BE, IF YOU PAY IT OFF BEFORE THE TIME PERIOD ENDS.
(Why is that in caps) I have to disclose that it is important.
Many don't know that if you charge a 1500 dollar tv at 0% and then say you have 1 month before that expires you have a balance of only 100 dollars. Your next statement will get hit will the interest from the "ORGINAL" amount borrowed???? WHAT???
Thats right the interest of about 20 or 30% is added on your next bill based on 1500 dollars not what you have left.
I used to work for a company that did those finances 0% things. We had a list every month that all the folks in the office could call on and solicite loans to refinance that amount.
Here is an example of the call: "Hello this is jason with XYZ financing, I see that you have a 0% financing on that big screen that is set to expire in exactly 32 days with a balance of 720.00, would you be interested in stopping in today to look at possibilities of refinancing that and lowering your interest?
NO, I have a 700 fico score quit calling- customer
Well, then I suggest you do a balance transfer- Sales Man
WHY- Well then you will have an interest bill of X amount of dollars because it is based on the ORGINAL amount not what is left and customer interest on that 2500 dollar tv, and 1000 dollar surround sound can be pretty pricy. Are you going to pay that off in 32 days.
No, they have cut my overtime.
Great- when can you come in for a review, and bring you paystubs and drivers license...
Yea I quit exactly 1 year after that..
I had faith in myself, I was scared but I knew it was a safe bet...
Believe in yourself,
I know that once this gets up and running they will be comming, I'm ready because not doing business ethically, has got the current economy in the problems that it is in.
Too be continued...
"Credit Professor" aka credit crunching, cigar smoking, crazy man
Thursday, February 26, 2009
Take the Time, To Realize
THE TRUTH!
Serisouly thou, take time to review your current financial situation. Some people act as if this is very hard to do, and that they have no time to access thier own "Financial Statements"
The redneck- spends more time on what truck is the right fit for him.
The sportfanic- spends more time figuring out which magizine is best for fantasy sports
The gangsta- spends more time trying to look expensive and what rims to buy
The broke business man- spends more time trying to look successful
The single girl- spends more time trying to find the right outfit for an night out
The rich W2 man aka employee - spends more time trying to find out what toy he can buy
I HAVE NOTHING AGIANST ANY OF THEM AND EXCEPT FOR THE LADY I HAVE BEEN ALL OF THEM AT ONE TIME OR ANOTHER
I'm just hoping somehow you can relate.
Almost all of us go to work day in and day out get paid and blow it. Some blow it before it comes in.
I just want you to realize where you stand, and where you want to go.
If you don't know that, then every step along the way will be tuff. It might not be this month or next but it will get tuff.
Some people I meet with don't want to do this because they will see the TRUTH and sometimes that hurts. I can't say it enough its better to get a gut check now, Than When Its TOO LATE!
Email me with questions,
The "Credit Professor" AKA Credit Crunching, Cigar Smoking, Crazy Man!
Serisouly thou, take time to review your current financial situation. Some people act as if this is very hard to do, and that they have no time to access thier own "Financial Statements"
The redneck- spends more time on what truck is the right fit for him.
The sportfanic- spends more time figuring out which magizine is best for fantasy sports
The gangsta- spends more time trying to look expensive and what rims to buy
The broke business man- spends more time trying to look successful
The single girl- spends more time trying to find the right outfit for an night out
The rich W2 man aka employee - spends more time trying to find out what toy he can buy
I HAVE NOTHING AGIANST ANY OF THEM AND EXCEPT FOR THE LADY I HAVE BEEN ALL OF THEM AT ONE TIME OR ANOTHER
I'm just hoping somehow you can relate.
Almost all of us go to work day in and day out get paid and blow it. Some blow it before it comes in.
I just want you to realize where you stand, and where you want to go.
If you don't know that, then every step along the way will be tuff. It might not be this month or next but it will get tuff.
Some people I meet with don't want to do this because they will see the TRUTH and sometimes that hurts. I can't say it enough its better to get a gut check now, Than When Its TOO LATE!
Email me with questions,
The "Credit Professor" AKA Credit Crunching, Cigar Smoking, Crazy Man!
Friday, January 30, 2009
10 quick things for 2009 for your debt.
1. Keeping up with the Jones's
Average American with at least 1 card has roughly $9200 in Credit Card Debt (Cardweb.com) average rate is in mid to high teen's.
Don't try to keep up with the norm. as far as materalistic things!
Build a plan, then work the plan month in and month out. Don't worry about what your friends, family and neighboors think. If your financing the fancy stuff, it looks good the first month then after you make a couple of payments its not so nice.
2. Some debt if leveraged it Good
Don’t borrow more than you can handle, shop around for rates. College or Leveraged loans for your house is great but remember your house is a Liability (takes money out of your pocket) There is a huge Catch 22 for all my young readers and folks out their trying to establish credit- You must play the game of using debt to your advantage. Start small with low limits and if you are young and filed BK in the past your rate will be probably at a maximum. Make your payments and stay on top of it.
3. Take control of your monthly spending
About 60-70% of you out there spend your money with out even thinking about your monthly obligations. Take Control In my course this is revealed in the “Credit Landmine Prevention Audit” and there is samples of all everyday people.
If you are just getting points from the blog, start simple:1. Go a whole day without spending any money2. Go a week without charging anything on your credit cards3. Pack your lunch and try not to purchase any fast food
Repeat and Repeat- See where you are at, towards the end of the month
4. Bad Debt
Don’t default to your credit cards to purchase items you consume monthly. If you have reward cards they trap you into thinking that you have to do this. They can give you 1-3% a month cash back if you purchase all “Consumable items” Why would they do this? So you can trip in your monthly habits and not pay the card off entirely and BOOM! Interest and Fee’s they win NOT YOU.
5. Drip Effect
6. I pay min. on my cards and my credit is outstanding
Good for you, but the moment you miss a payment your creditors can take a look at your overall credit and you can drop from 700 to 600 in a matter of a month.
7. Borrow from Home and 401K
A lot of folks out their think they can borrow against their home and 401k for college and to consolidate bills.
College – Start a 529 plan as soon as you can. It is an investment vehicle solely for your children’s college. You can have monthly amounts that you can contribute straight out of your bank account for as little as $50.00 a month.
8. Emergency Funds
9. Mortgage
10. Buy my course
Plan and simple purchase so you can have all the goods and montly newsletter that beats the socks off this blog.
Average American with at least 1 card has roughly $9200 in Credit Card Debt (Cardweb.com) average rate is in mid to high teen's.
Don't try to keep up with the norm. as far as materalistic things!
Build a plan, then work the plan month in and month out. Don't worry about what your friends, family and neighboors think. If your financing the fancy stuff, it looks good the first month then after you make a couple of payments its not so nice.
2. Some debt if leveraged it Good
Don’t borrow more than you can handle, shop around for rates. College or Leveraged loans for your house is great but remember your house is a Liability (takes money out of your pocket) There is a huge Catch 22 for all my young readers and folks out their trying to establish credit- You must play the game of using debt to your advantage. Start small with low limits and if you are young and filed BK in the past your rate will be probably at a maximum. Make your payments and stay on top of it.
3. Take control of your monthly spending
About 60-70% of you out there spend your money with out even thinking about your monthly obligations. Take Control In my course this is revealed in the “Credit Landmine Prevention Audit” and there is samples of all everyday people.
If you are just getting points from the blog, start simple:1. Go a whole day without spending any money2. Go a week without charging anything on your credit cards3. Pack your lunch and try not to purchase any fast food
Repeat and Repeat- See where you are at, towards the end of the month
4. Bad Debt
Don’t default to your credit cards to purchase items you consume monthly. If you have reward cards they trap you into thinking that you have to do this. They can give you 1-3% a month cash back if you purchase all “Consumable items” Why would they do this? So you can trip in your monthly habits and not pay the card off entirely and BOOM! Interest and Fee’s they win NOT YOU.
5. Drip Effect
Covered in my book and way to long for a brief summary. Things to think about, if you pay double all your minimals on your cards- Stop- Pay minimal on all except the one with the lowest balance owed and pay extra on that one. For example:
Min. are
$25.00, $25.00, and $25.00 Totalling $75.00 You pay $50.00, $50.00 and $100.00 totalling $200.00 budgeted in your monthly - I suggest you pay $25.00, $25.00 and $150.00 on the smallest balance. In 6 to 8 months you'll see a big hit.
6. I pay min. on my cards and my credit is outstanding
Good for you, but the moment you miss a payment your creditors can take a look at your overall credit and you can drop from 700 to 600 in a matter of a month.
7. Borrow from Home and 401K
A lot of folks out their think they can borrow against their home and 401k for college and to consolidate bills.
College – Start a 529 plan as soon as you can. It is an investment vehicle solely for your children’s college. You can have monthly amounts that you can contribute straight out of your bank account for as little as $50.00 a month.
8. Emergency Funds
In your monthly financial statement pay all your bills and try the best to save up 6 months of your bills and just put into a liquid savings account. It is tough to start but if you can put back at least $100.00 a month and just get it started.
9. Mortgage
Buy smart, and a mentor always told me "If your not embarassed by your offer, its not low enough"
10. Buy my course
Plan and simple purchase so you can have all the goods and montly newsletter that beats the socks off this blog.
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