Christians, shout out with 'In God We Trust' plates

Indiana License Plates!!!



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Are you a people magnet?

Here are 5 common characteristics of people that others are attracted to because they have a magnetic personality!

1. The handshake. The touch of the hand indicates, instantly, the presence of magnetism, or the lack of it.
2. The tone of voice. Magnetism, or sex energy, is the factor with which the voice may be colored, or
made musical and charming.
3. Posture and carriage of the body. Highly sexed people move briskly, and with grace and ease.
4. The vibrations of thought. Highly sexed people mix the emotion of sex with their thoughts, or may do
so at will, and in that way, may influence those around them.
5. Body adornment. People who are highly sexed are usually very careful about their personal
appearance. They usually select clothing of a style becoming to their personality, physique,
complexion, etc.

~This has been taken from the book "Think and Grow Rich" in the links section of my blog you will find a link to e-books where you can download the book for free if you would like to read it!

Thank you for reading now, do you have 5 more minutes to watch a video?

Do you know where you are headed?

Do you know where you are headed
"The world has the habit of making room for the man whose actions show that he knows where he is going."
~Napoleon Hill

~If you want to get somewhere you got to know where you are going and piggy-backing on yesterdays blog entry on active rain...writing down your goals is a great way to start~ if you need help getting your goals on paper, take a look at my link on e-books and download "Think and Grow Rich"...trust me if you haven't read you should! I mean I don't think that you would drive across country without first looking at a Map!
~Ryan Hodge
http://www.gioperation.blogspot.com/

Zero-Point/Zero-Fee Loans

Zero-Point/Zero-Fee Loans

Whatever happened to the conventional wisdom of waiting for the rates to drop 2% before refinancing?
You have a 30-year fixed loan at 8.5%. A loan officer calls you up and says they can refinance you to a rate of 8.0% with no points and no fees whatsoever.

What a dream come true! No appraisal fees, no title fees and not even any junk fees! Is this a deal too good to pass up? How can a bank and broker do this? Doesn't someone have to pay? Whose money is being used to pay these closing costs?

No, this is not a scam. Thousands of homeowners have refinanced using a zero-point/zero-fee loan. Some refinanced multiple times, riding rates all the way down the curve in 1992, 1993 and, more recently, in 1996. Some homeowners used zero-point/zero-fee adjustable loans to refinance and get a new teaser rate every year.

The way this works is based on rebate pricing, sometimes also known as yield-spread pricing, and sometimes known as a service-release premium. The basic idea is that you pay a higher rate in exchange for cash up front, which is then used to pay the closing costs. You will pay a higher monthly payment so the money is really coming from future payments that you will make.

You can also think of this as negative points! For example, a 30-year fixed loan may be available at a retail price of :
8.0% with 2 points or
8.25% with 1 point or
8.5% with 0 points or
8.75% with -1 point or
9% with -2 points

On a $200,000 loan, the loan officer can offer you 8.75% with a cost of -1 point, which is a $2,000 credit towards your closing costs. A mortgage broker can use rebate pricing to pay for your closing costs and keep the balance of the rebate as profit.

What are the benefits of a zero-point/zero-fee loan?
The main benefit is that you have no out-of-pocket costs. As a result, if the rates drop in the future, you could refinance again even for a small drop in rates. So if you refinanced on the zero-point/zero-fee loan to get a rate of 8.75% and if the rates drop 1/2%, you can refinance again to 8.25%. On the other hand, if you refinanced by paying 1 point and got a rate of 8.25%, it may not make sense to refinance again. Now, if the rates drop another 1/2%, a zero-point/zero-fee loan can drop your rate to 7.75%, whereas if you paid points, you may have to do a break-even analysis to decide if refinancing will save you money.

The zero-point/zero-fee loan eliminates the need to do a break-even analysis since there is no up-front expense that needs to be recovered. It also is a great way to take advantage of falling rates.

Some consumers have used zero-point/zero-fee loans on adjustable loans to refinance their adjustables every year and pay a very low teaser rate.

What are the disadvantages of a zero-point/zero-fee loan?
The main disadvantage is that you are paying a higher rate than you would be paying if you had paid points and closing costs. If you keep the loan for long enough, you will pay more since you have higher mortgage payments. In the scenario where you plan to stay in the house for more than 5 years, and if rates never drop for you to refinance, you could wind up paying more money. If, on the other hand, you plan to stay at a property for just 2-3 years, there really is no disadvantage of a zero-point/zero-fee loan.

Whose money is it?
Since you are being paid "cash" up-front in exchange for a higher rate, it really is your own money that will be paid in the future through higher payments. Investors who fund these loans hope that you will keep the loans for long enough to recoup their up-front investment. If you refinance the loans early, both the servicer and the investor could lose money.

To summarize, zero-point/zero-fee loans in many cases are good deals. Make sure, however, that the lender pays for your closing costs from rebate points and NOT by increasing your loan amount. So if your old loan amount was $150,000, your new loan amount should also be $150,000. You may have to come up with some money at closing for recurring costs (taxes, insurance, and interest), but you would have to pay for these whether you refinanced or not.

Zero-point/zero-fee loans are especially attractive when rates are declining or when you plan to sell your house in less than 2-3 years.

Zero-point/zero-fee loans may not be around forever. Lenders have discussed adding a pre-payment penalty to such loans, however few lenders have taken steps to implement such a measure.

P.S
~you are always going to pay someone...so it really doesn't matter, does it? So just deal with a Loan Officer you can trust! My advice as a Loan Officer is interview a few of them and see who gives you the straight answers to your questions.

Gioperation
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6 Steps to Creating a Burning desire for RICHES

Here are your 6 steps!!! make sure you get your copy of Think and Grow Rich!!! I have made downloadable for free!

1. Fix in your mind the exact amount of money you desire.
2. Determine exactly what you intend to give in return for the money you desire.
3. Establish a definite date when you intend to possess the money you desire.
4. Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not and put into action.
5. Write out a clear, concise statement of the amount of money you intend to acquire, name the time limit for its acquisition, state what you intend to give for the money, and desribe clearly the plan through which you intend to accumulate it.
6. Read your written statement aloud, 2x a day, once just before you go to sleep at night, and once after you wake up in the morning…
Get your copy of "Think and Grow Rich" E-Book

AS YOU READ---SEE AND FEEL AND BELIEVE YOURSELF ALREADY IN POSSESION OF THE MONEY!!!

keywords...
create burning desire

Bad Credit Loans (Yes or No)

A bad credit history is like having contracted an infectious disease. At least this is what most lenders perceive. Any requests for personal loans by people with a bad credit history are generally declined. They are charged an extravagantly high rate of interest, if advanced personal loans.

What these lenders fail to recognize is that the people who are currently rated as a bad credit case were sometimes having a good credit history. Some acts of the past, which were sometimes inevitable, became the reason for theirs being tarnished with bad credit.

It will be illogical to punish the people for acts of the past. Besides there are few means to guarantee that a person otherwise rated as a perfect credit case, may default on the loan.

Lenders have slowly started accepting the fact. The growing number of people falling in the trap of bad credit has brought home the fact that they cannot do without doing business with these people.

Besides opening practically every loan for people with bad credit, more and more loan products have come up to cater to the specialized group. There are similar options for the people with bad credit, as for the people with a good or average credit.

Bad credit personal loans are used for a variety of purposes like buying a car or going on a holiday. They are also widely used in debt consolidation.

Bad credit becomes irrelevant if the person has and is ready to keep some asset as collateral. The main idea behind the refusal to the people with bad credit is that they fear that the default will be repeated. With a collateral to back the personal loan, the lender is assured that the loan would not be defaulted. The borrower knows that he will have to lose the asset, generally home, if he defaults on the loan.

The requirement of collateral can be done away with in case of an unsecured personal loan. Lenders rarely offer such loans. A good credit history is a pre-requisite in such loans. But, there are always some lenders who take consideration of your case. Lenders accept borrowers with a bad credit history because of inevitable reasons.

Bad credit personal loans normally carry a higher rate of interest. This is because of the higher risk potential in such loans. One may also be overcharged on this account. The borrowers are asked to pay a hefty charge and have to face some inflexible terms of payment.

Nevertheless, there are lenders who charge reasonably lower rates of interest. Taking a loan is not a trivial matter. It puts an important asset to stake. It also affects the financial condition of the borrower. This makes a proper search for the loan a priority. Gone are the days when searching the loan market would have raised hackles of people. Today searching has become much simpler, thanks to the power of information technology.

The selection of the most appropriate lender is not that easy a task. Though made simpler through information technology, ones mental faculties are the best resort in the selection process. Lenders generally promise many features along with the loan. Borrowers take this bait and fall in the trap. Failing to maintain an optimum balance between an immediate comfort and a future comfort also leads to this trap.

Deciding the monthly repayments and the number of installments further strain your mental faculties. An expert advice from knowledgeable people will help in this decision. Being aware of ones financial condition, the borrower can decide the various details of the loan in a much better manner. Thus, the final decision is reserved with the borrower himself.

A bad credit personal loan has a positive impact on ones credit history, provided the repayments to the loan are made regularly.

James Taylor holds a Master’s degree in Commerce from JNU he is working as financial consultant.

Article Source: http://EzineArticles.com/?expert=James_Taylor

Link to my MySpace Page

If you have questions or what to brainstorm lets do so! Don't be shy!

One Million Dollars

I am sitting here thinking about something to write about and all I could think about is becoming a millionaire...why I don't know, it sounds like a good number...better yet maybe I do know...Would it be cool to just have a 1 Million Dollars? Why not? You can go as you please, you don't ever have to wonder how much money you have in the bank to determine if you can go and really enjoy yourself.

I feel like it just around the corner, it is about to happen! I can't wait I feel like I am letting some people down for not having a million dollars, I mean think about it, you can help people who don't have a million dollars. Send people to school, buy people car's, house's, vacations,! I like helping people so this pain is intense to me, it burns in my stomach when I think about! I read positive stuff everyday and that is what I try to post here on this blog! If you is something you think is cool, it probably is! You should click on the link and go there, I think I am pretty good at the good stuff!

How to Meditate

How to Meditate
Meditating a few minutes each day is a proven stress reducer, and it can improve your outlook on life as well. There are as many different meditation methods as there are instructors, but if all you need is a basic, universal method, here's an easy way to get started.

Steps
Create a quiet, relaxing environment. Turn off any TV sets or other noisy appliances. Some soft, relaxing music is okay, but it isn't necessary. Make sure your cellphone is off.
Sit on a chair or a cushion. You don't have to twist your limbs into the lotus position or adopt any unusual postures (but you can if it's comfortable).

This is a good position Close your eyes or find something else calm to look at. You may want to use a small candle flame.
Take care to sit erect, allowing for free and easy breathing. This will happen naturally when your knees are below the level of your waist. Don't try lying down; most people will fall asleep meditating in this position.
Observe your breath. Don't try to change the way you are breathing, just let your attention rest on the flow of your breath. The goal is to allow the "chattering" in your mind to gradually fade away.
Relax every muscle in your body. Don't rush this, as it takes time to fully relax, and relax bit by bit, starting at your toes, and working up to your head.
Mentally focus on words that appeal to your linguistic style. If you are visual, use words that evoke pictures. If you are auditory, use words that evoke sound. If you are kinesthetic, use words that evoke feelings.
Repeat these words to yourself to encourage the outcome that you desire. For example, repeat to yourself how relaxed you are by saying "I am completely relaxed."
Visualize a place that calms you. It can be real or imaginary. This step can replace word repetition, augment it or be excluded from your meditation. One option is to imagine you are at the top of a staircase leading to a peaceful place. Count your way down the steps until you are peaceful and relaxed.



Tips
Ideally, you want to achieve a state free from distracting thoughts, but this takes a lot of practice. When a thought pops into your mind, don't try to block it or force it out. Just observe it impartially and let it go away of its own accord. If you don't become attached to your thoughts, they will fade away without creating more thoughts.
You can meditate anytime you have a few spare moments. Try it at work for a quick stress reducer.
For most people, closing the eyes is best, but some prefer to observe a candle flame or a similar relaxing sight. You can also allow your eyes to rest where they naturally fall with your head held at a comfortable angle.
When meditating, try to stop thinking the way you stop talking. In your head just stop saying anything to yourself. It might be harder than it sounds, but it gets easier with practice. There's a lot of truth in silence. You can go for awareness walks every day where you just try to be as aware of your surroundings as possible with all 5 senses. This also helps ground and quiet the mind and stop the internal chatter.
Meditation = Total Relaxation + Total Alertness
Children can usually meditate extremely easily, but only when they understand what to do.
Once you learn to meditate well enough, you can slip into a state of meditation in seconds, which is very helpful.
Take a meditation retreat of at least a few days. Some of these are silent, others are not. Once you experience the feel of actually meditating, you will better know how and if it applies to your life.
Meditation may be useful if you have trouble falling asleep. While lying in bed, follow the steps for a meditation, and remove any anxiety about falling asleep. Before you know it, it'll be morning!



Warnings
Don't try to meditate for hours on end when you first begin, as this can lead to burnout. A few minutes each day is enough to get you started.
Don't expect immediate results. The purpose of meditation is not to turn you into a Zen master overnight. Meditation works best when it is done for its own sake, without becoming attached to results.
Avoid groups with cult-like practices or that are involved with other psychic activities like spirit channelling or medium such as the Brahma Kumaris. Meditation opens up your mind and subtle bodies to psychic influences and these group use this to initiate you into relationships with their leaders and spirit guides without making this clear. The practise that the Brahma Kumaris perform is not classic Raja Yoga but something new and unique involving spiritualism.



Things You'll Need
A room without distractions.
A comfortable spot to sit.
A candle, picture or photograph (optional)



Related wikiHows
How to Do Nothing
How to Sit Like a Zen Master
How to Become a Taoist
How to Be Thankful
How to Meditate Well
How to Sit During Zen Meditation
How to Turn Your Room Into a Relaxing Den

Initial Author: James Quirk .
Contributors: Jack H , joyson , Alan J , Anonymous, Ben Rubenstein and others

Five Things Every Married Person Should Know

Five Things Every Married Person Should Know Before Signing Any
Credit Application

by Jay Peters

Have you ever wondered if banks have a tendency to approve credit cards and loans for one sex more than the other? If you are married (or plan to be) I will share with you five vital keys every married person should know before signing any credit application.

VITAL KEY #1: According to the Federal Equal Credit Opportunity Act (FECOA) creditors cannot deny consumers access to credit because of their sex. However, on average (in surveys) it’s reported that women earn less money than men. Regardless of what the FECOA states, the relationship of credit to income is very strong.

In our society if you make less money you will get less credit, period. The sad fact is that women on there own have less access to credit. It’s for this reason (I believe) it is imperative that women learn and acquire more knowledge about credit than men. Knowledge is power; and in the world of credit that knowledge will often times prove to be priceless, especially for women.

VITAL KEY #2: If you are a married woman with JOINT credit (meaning all your credit accounts are jointly held with your husband) you have NO CREDIT yourself. Many women in America find this out the hard way every year when they get divorced and lose all their credit privileges since all their accounts were jointly held with their spouse. If you are a woman in this position you can greatly benefit by beginning to build your own credit in your own name starting today! The benefits are two fold.

1.) If your spouse has financial difficulties (for any reason) and is forced to file bankruptcy or their credit becomes derogatory, you and your spouse will have your credit in reserve to survive on.

2.) If you ever get divorced down the road (over 50% do and 76% in the state of California) you will NOT end up in financial hardship due to no credit and/or derogatory credit. Instead, you will have your credit to transition to and (believe me) this can be the difference between sailing off in the sunset or drowning in a storm.

VITAL KEY #3: If you are currently married (with some credit or no credit) to a spouse who has excellent credit, you can leverage their credit to build credit in your own name much faster than if you had to build it by yourself. Later, once you have established enough accounts on your own, you may choose to cancel accounts that were held jointly with your spouse.

VITAL KEY #4: If you are a single woman with excellent credit and are getting married you may want to think twice about adding your new lover to all your credit accounts. If he messes up or you end up in divorce down the road your credit will end up taking the beating (regardless of how many years you diligently spent building it up). For this reason, I strongly suggest married couples keep their credit separate. Why?

In most cases spouses have far more to lose than to gain. Naturally, some credit will have to be joint no matter what you do. If you purchase a home (which may require both incomes to qualify) this will appear as a joint account on the credit report. However, the potential abuse with a home mortgage is almost non existent as opposed to Credit Cards.

VITAL KEY #5: Spouses have more to gain by each building strong individual credit reports rather than joining all accounts and building one joint report. For obvious reasons, banks and credit card companies love the “credit ignorance” of spouses who join all their credit accounts upon marriage.

Here’s why: If you take 500,000 couples with credit before they got married, those 500,000 couples actually represent one million credit accounts and liabilities for the banks and lenders. When those couples got married, those one million credit liabilities were instantly were cut in half from one million to only 500,000. For banks this is a very advantageous situation. For the couples getting married (if they have financial trouble) the deal is a little raw. If they have trouble, although they are two people, they are represented by only one credit report. The bank now has the right to go after two different people for one account (regardless of who was financially negligent).

For moment, let’s play out the same scenario with a couple which is financially savvy (note: they’re both on the same “team” but financially savvy). In this scenario, the couple gets married, but instead of joining account each builds their individual credit reports. Now this couple (team) has not one credit report representing them but two. Metaphorically, if the perfect storm (financially) is to rise, this is the difference between the couple being in the ocean with two ships instead of one. If the one ship starts to sink, the couple can always “jump ship” to the second.

While some may criticize this thinking it is no different than buying any kind of insurance. You buy insurance not because you plan on a problem. You buy insurance because you are thinking ahead. This type of thinking is no different. However, if you want to be ahead of the pack that you need to think ahead of the pack.

I cannot tell you how many times I have talked to loving married couples in financial trouble who only WISHED they would have known about these five vital keys before they got into financial trouble. Take them, study them, apply them to your life. As I heard one woman put it “In business and in life I’ve learned to expect the best but plan for the worst”. I thought her words were brilliant. However, I have found that when I expect the best… many times I tend to get it! Take these five vital keys. Study them. Apply them. Then pass them on to someone else who can benefit from them.

Jay Peters is the founder of Consumer Publishing Group which publishes the Credit Secrets Bible (in print since 1994). To receive Free Credit Tips including “How to Bullet-Proof Yourself From Identity Theft For FREE!” visit their website: http://www.creditsecretsbible.org

© Copyright 2007 by Jay Peters

When Is Your Independence Day?

=========================

When Is Your Independence Day?

By Yanik Silver

========================


July 4th for Americans is a chance to celebrate our independence.
Trust me, I'm not going to get on a soapbox and start waving the
flag - but I do think it's important no matter what country
you live in to really think about that word "independence"
and its meaning for you.

My father reminded me that July 3, 1976 was his
"Independence day" since that's the date my family came
over to the United States from Russia. (Pretty cool
since it was right before the bi-centennial celebration.)

For me, my independence day was on July 1, 1999.

That's the date I left my father's business to work on my
own. It was by far one of the hardest decisions of my life.
You see, I had worked for my dad since I was 12 and he
thought I was going to take over the company. I had that
same thought as well until I got the "bug".

In fact, my wife, Missy, and I were talking about this
recently. She was talking about how when she met me 9 years
ago, I had only one thought: "how to grow my father's
business". I would stay late working on new ads and
marketing pieces. I was in early calling my accounts trying
to make sales, etc. etc.

Now I had been studying direct marketing, and results were
really paying off for my dad's business. (Actually they
still use a lot of the ads I wrote in 1998 because they
still work today.) But with every ad I wrote I was getting
more and more aggravated. Not because the ads weren't
producing sales - they were - but because of the grief and
politics I had to deal with. Everybody seemed to be an
advertising expert even though they've never studied or
read anything on the subject. People mistakenly believe
that if they wouldn't "read all that copy" then nobody
will. Or if the ad is "ugly" and has no pictures or pretty
graphics it won't work.

Complete and total crap.

For every ad I wrote I had to fight to get it out there. I
got sick of it and decided I would create my own product so
I could write ads for myself. My first product was to help
dermatologists who wanted new cosmetic patients. It was a
big kit (manual, tapes, reports, diskette, etc) based
around some marketing consulting I was doing on the side
for one of my customers.

I ran my first ad in April 1998 in Dermatologic Surgery
magazine. I got 10 responses so I sent them the 20-page
sales letter I'd written selling this $900 kit. Not one
order.

I waited...

Sent out a 2nd notice to those 10 respondents.

Nothing...

Then I sent a 3rd notice telling them the expiration date
to get all the free bonuses was only 10 days away. Finally
on the very last day of the expiration date I got one order
over the fax machine.

Yipeee!!

I still remember that doctor's name in Flushing, NY. What
an incredible feeling. That was the start of my
independence. I realized I now had the power to chart my
course as I wanted. That first sale. That's one of the
greatest feelings in the world - when something you've
created is sold. It took me a little over a year after that
first order to realize I wanted my freedom and I finally
quit on July 1, 1999.

Maybe it's the new confidence you get when you realize
you've created something that people want and are willing
to exchange money for. That first sale is usually the
hardest (but also the most rewarding).

It's wonderful when I help turn on that light in people.
I've seen it first-hand working my Apprentices and seeing
them launch their products. How amazed they are by the
money pouring from around the globe. I love it!

And my wife is striking out on her own with a little bit of
my help. She set up her first web site -
(www.InstantThankYouLetters.com) and she's getting
checks each month.

So when will your independence day be?

If you've already achieved it - I bet you can remember it
perfectly. Sometimes the bleakest times that we believe are
terrible actually turn into a perfect opportunity.

Take my good friend, Jim Edwards', for example. His
independence day came because he got fired. To him that
wasn't a blessing at first but as he looks back on it -
it's the best thing that ever happened.

I remember the conversation we had right after it happened.
I was drinking a bourbon and Jim was having a beer. We were
talking about different projects he could try and pursue
and do now. We were throwing around some ideas and we came
up with "33 Days to Online Profits".
(www.33daystotoonlineprofits.com)

It was right there during that call that we outlined each
of the days and moved forward from there. And "33 Days" has
been a tremendous six-figure income earner for both of us
and it doesn't seem to let up.

So what can you do to achieve your independence?

I'll give you a couple things to take to heart. I can't
remember the author who said this but he said if you show
me what a man does in his spare time I'll show you the type
of man he'll become. What are doing with your spare time?

- Watching TV or reading?

- Napping or practicing your copywriting?

- Yakking to your friends or studying direct marketing?

It all comes down to the choices we make every single day.
In fact, you shouldn't let one day go by without making
sure you are taking at least one proactive step towards
your own independence. Just because the thought of you
doing what you want when you want may seem so far away -
don't let that stop you from taking those baby steps each
and every day. That's one of my rules and I hope you'll
adopt it.

What else?

Learn to be different. The truth is you need to become
extraordinary to achieve extraordinary results. You can't
be like everyone else (and why would you want to). That
means doing the things other don't (or won't) do. That
means not listening to their advice (unless they are doing
what you want to do). Frankly, if you simply did the exact
opposite of what everyone else is doing you'd turn out
okay. Why? If only 5% of people are truly successful and
the 95% are the mediocre majority - doesn't that mean the
majority is wrong? Don't engage in their thinking. Don't
follow their lead. Don't adhere to the same values and
standards the "95-percenters" do.

Two people who really helped me clarify my thinking on
this was Early Nightingale and also Dan Kennedy. (See
next article for his insight and a special gift I've
arranged for you.)

Please don't get me wrong - in no way am I trying to be
elitist. I'm not. But it is tremendously important to go
through your day with your eyes wide open. The truth is
most of your friends (right now) probably don't want you to
change and succeed. That would imply that they are losers.
That would mean they are failures. Nobody is going to
propel you to succeed except yourself.

So get on it and proclaim your own Independence Day
starting T-O-D-A-Y!


(c) Surefire Marketing, Inc.

==========================================================
Yanik Silver is recognized as the leading expert on
creating automatic, moneymaking websites...and he still
doesn't know how to put up a website.

He is the author, co-author or creator of several best-
selling online marketing books and tools, which can be
found at http://www.SurefireMarketing.com
==========================================================

Insider Techniques To Raise Your Credit Score... FAST!

=======================================
Insider Techniques To Raise
Your Credit Score... FAST!

-by Terry Price

(C) Copyright Terry Price
All Rights Reserved

Get the Credit Secrets here!
=======================================

If there is one question I'm asked by
consumers more than any other about
credit, it's this "What's the fastest
way to raise my credit score?". My
response is always the same "How much
do you want to raise it?"

If you wish to increase your score
from 580 to 650 then your strategy will
be very different from someone wanting
to go from 670 to 725. Why? Because
you starting point is different which
requires a different approach. Also,
while the removal of negative items
from a report will almost always lead
to an increase in score, it's a basic
concept at best. Therefore, within
this article, we'll discuss somewhat
inside techniques known by very few
(since this is what our company
specializes in publishing).

In relation to just removing negative
items, these are techniques which you
can use even if you have NO derogatory
information on your credit report.
We'll start with the most overlooked
strategy first and that's your...

DEBT to CREDIT RATIO: The most
fraudulent belief I've been hearing for
over 15 years is "I have excellent
credit, I pay all my bills off in full
every month!" This is a false belief
for one to buy into and understanding
your debt to credit ratio holds the key
to getting your "credit mindset" right.

Your debt to credit ratio is your
ratio of debt to total available credit
you have been extended (revolving
accounts only). For example. If you
have $10,000 in total unsecured
revolving credit accounts and you're
currently in debt $2500, then your debt
to credit ratio is 25%. Since the main
way lenders make money is by charging
interest, one of the elements of the
credit scoring model is driven by your
ability to maintain balances and pay
over time. This shows your true (long
term) credit worthiness which is most
profitable to lenders since they make
money primarily via interest and not
annual fees.

Over the years we've discovered
without question that carrying the
proper debt to credit ratio will boost
your score faster than paying off your
bills in full each month. I have
argued with the Better Business Bureau
on this topic for and they still
disagree (despite my sending them proof
from Fair Isaacs own website
www.MyFico.com the organization which
invented the credit scoring software
used by credit bureaus).

Of course, what do you do if you're
like most Americans and your debt to
credit ratio is too high? For example.
You have $10,000 in unsecured revolving
accounts but you owe $8500, thereby
giving you an 85% debt to credit ratio.
How can you bring it down without
selling everything you own? The answer
is simple and takes us to the next
technique which is...

SUB-PRIME MERCHANDISE CARDS: The
single most cost effective (and
powerful) tool for consumers to
increase their high credit limit and
decrease their debt to credit ratio is
the use of Sub-Prime Merchandise Cards
which report to one of more of the
major credit bureaus.

Unfortunately, despite their immense
benefits, these are the most
misunderstood cards in the credit
industry. A large portion of the
misunderstanding is due to marketers
misrepresenting the cards and the
growing number of companies promoting
them. When you learn how they work one
quickly understands why they have been
the subject of much misrepresentation.

A Sub-Prime Merchandise Card is
nothing more than a card attached to a
line of credit which allows you to buy
merchandise from a specific vendor
(usually the company that sold you the
card). The merchandise (in most cases)
will be purchased through a catalog or
online mall.

Where the problem arises is that the
cards are marketed almost exclusively
to the sub prime market via email,
telemarketing and direct mail etc. The
reason for this is they can advertise
almost irresistible offers like "$5,000
Credit Card... GUARANTEED! No Credit
Check! NO Cosigner! You cannot be
turned down!" or "Unsecured $10,000
Credit Line! Everyone Approved!". I'm
sure you get the idea...

While there are many companies which
do this and are a "shady at best",
there are a few which do it
legitimately and it's the best kept
secret to build your credit and build
it fast.

Here's how it works: the company
approves anyone with a pulse
(literally) and gives them a card for
$2,500 to $12,500 with NO credit check
and NO cosigner. However, the card is
only good for merchandise through their
website or catalogs and the consumer is
required to put down a deposit on
whatever they purchase. After the
deposit is paid, the remaining balance
is financed on the card.

For example. A person buys $1,000
worth of merchandise. Their deposit is
$300 so they then finance $700 on their
merchandise card and make payments.
Sound like a scam? If you say "Yes"
like most people then you're missing
the point... big time.

With a legitimate Sub-Prime
Merchandise Card your credit line WILL
be reported to at least one major
credit bureau (or more). This means if
you get a $5,000 card and you finance
$500, on your credit report it will
look like any other credit card and
will do three extremely important
things for you.

1.) It will increase your current
"High Credit Limit" by $5,000 almost
overnight as the account "looks" like
any other unsecured revolving account.

2.) By carrying a small outstanding
balance it will positively impact your
credit report by building and showing
potential lenders your credit
worthiness.

3.) With a good payment history you
are virtually guaranteed to receive
"legitimate" pre-approved credit offers
in the future due to other lenders
renting your name from the credit
bureaus.

This technique is hard to beat for
both cost and effectiveness. Of
course, the whole key is knowing
exactly which cards report to the
credit bureau and offer the best rates.
The only thing more effective is...

PIGGYBACKING: Despite its' virtually
unlimited potential, piggybacking is
not used by nearly as many consumers as
it should be. It's easy, effective,
and extremely fast. Unfortunately,
it's mostly used among parents and
siblings while those who can really
benefit stay in the dark.

How it works. Almost every credit
card or credit account will allow the
primary account holder to add on (at a
later date) what's known as an
"Authorized User" or "Secondary Account
Holder". In most cases, when this is
done, the entire account history
(retroactively) gets posted to the
authorized users credit report
regardless of their current age or
credit history!

For example. If it's a credit card
with a $10,000 limit which has been
paid as agreed for the last 10 years,
then that complete history will be
posted to the authorized users' credit
report. I once saw a clients' credit
report who used this technique with his
mother. He was only 24 at the time and
he had a $15,000 Gold credit card on
his report with history going back 11
years! I laughed as I thought to
myself that this kid would have had to
be approved when he was 13 years old
for this account to be his!

As you can see, this strategy is
usually only used by parents and their
children and in most cases with no
regard to the benefits the children are
reaping credit wise! In fact, in
recent years, due to its'
effectiveness, this technique has led
individuals with excellent credit
scores to "rent out" authorized user
accounts on one or even multiple credit
cards in return for a fee! I once
recall seeing an ad in USA TODAY for
just such an opportunity. Like most
good credit loopholes, I'm sure this
methods' days are numbered much like
what may be the case with...

ADVANCED CREDIT PROFILING: This is a
strategy while not complex, can be
taken to very complex levels. Even in
its' most basic form, it's taken
advantage of by very, very few. It
involves intentionally building your
credit report in a way which creates a
"profile" that closely fits the
criteria of most lenders (as well as
the overall credit scoring system).
Again, this is a technique which can be
used in a myriad of complex ways, but
for simplicity I will explain it in
its' most basic form.

While many consumers will boast when
they have 10, 20, 30 or even 50
thousand dollars worth of credit cards
on their report, many of these same
people do NOT have even one mortgage,
automotive loan or lease, equipment
loan or a even a line of credit with a
local bank or credit union. These
other forms of credit create a much
more well rounded credit profile for
the consumer. This is achieved by
showing greater credit account
diversity and experience with multiple
types of credit due to the various
lines held.

For example. A person with $50K in
credit cards does not represent near
the credit experience as a person with
the same $50K along with a mortgage, an
automotive loan and an equipment lease.
We have clients who have financed
vehicles not because they had to (or
even wanted to) but because they
"needed to" in order to create a credit
profile that would position them in the
future to secure the lowest possible
rate on a mortgage when they applied
and needed it.

More complex forms of Advance Credit
Profiling involve one subscribing to
affluent or semi-affluent business and
professional publications and
organizations. These would include
magazines, newsletters, trade journals
and national associations. The goal is
to get ones name into the databases of
these publications and organizations.
Why? To get on highly targeted lists
in order to receive select credit
offers.

Marketers of credit offers have found
that simply renting names of consumers
from the credit bureaus does not
provide enough information about the
person as a credit risk anymore.
Therefore, it is speculated that many
will rent a list from the credit bureau
and then cross-reference this list
against another list they have secured
from a consumer source such as an
affluent business or professional
publication, trade journal or
organization.

By crossing the two lists together the
marketers find the names contained on
both lists. This in turn provides them
with one highly refined and targeted
list to mail their offer to. This
results in shortening the process of
securing a new quality account holder
thus lower the overall account
acquisition cost of new accounts.

When a consumer learns how to
intentionally put themselves into these
databases to wind up on these refined
lists, the credit building process is
sped up exponentially. Of course, many
would call this "highly speculative"
but we have undeniable experience that
it works.

DEPOSIT LOAN PROGRAMS: This is a
technique so unbelievable that I myself
proclaimed it had to be a scam before
researching the facts. It allows the
consumer (or business) to have a
$25,000 to $250,000 loan appear on
their credit report as "Paid as Agreed"
by way of very creative financing.
This method is extremely effective and
not within the budget of most ($750 to
$7,500 upfront). Also, because this
technique takes advantage of certain
banking laws, I have reason to believe
it could be made unavailable at any
time if those banking laws were to
change. This method can be used with
consumer credit files on SSN's as well
as business and corporate credit files
done on TIN's as well as Dunn and
Bradstreet.

In the end, all of us need to remember
that today our credit score is more
important than it has ever been in the
history of the credit reporting system.
While credit miracles don't happen
overnight, you can create your own
credit miracles by applying simple
insider strategies consistently over
time. Before you know it, you're a
proud member of the 700 Club. The "700
Plus Credit Score" club that is!

In the next segment we'll talk about...

"Facts Consumers Should Know BEFORE
Using A Credit Counseling Service!"

=======================================
The "CREDIT SECRETS BIBLE" has been in
print since 1994 and is published by
Consumer Publishing Group.
For more information on the "CREDIT
SECRETS BIBLE" you may visit here.

=======================================

Describe the Plan of Action

After you assumed the sale be sure to give them the plan of action of what happens next in the process and then deliver on your promise...cause you want them to refer you to others...after doing this a few times, you can quit cold calling and just answer the telephone with pre-qualified prospects! Why will this happen, because you assumed the sale...for tips on how to assume the sale check out my blog on MySpace

Trust me on this, people want to buy or they would not have walked into your place of business or entered certain parts of your website!

until the next time,
Ryan Hodge

10 Ways to Improve Productivity Practically Overnight

10 Ways to Improve Productivity Practically Overnight


Want 10 simple ways to improve productivity in your company? Here’s 10 in 10:


1. Acknowledge what people do right instead of pointing to what they do wrong.
2. Measure what matters and forget most of the rest.
3. Celebrate people’s breakthroughs, successes and triumphs.
4. Create an open door policy that actually has an open door.
5. Illustrate, in a public way if possible, how everyone is part of the team – CEO included!
6. Say what you mean and do what you say.
7. Ask for suggestions from every level of the company for ways to improve productivity – you may be surprised at what you get.
8. Do something outrageous (and fun).
9. Review your team’s positions and ensure each position is filled with the appropriate player.
10. Come to work excited for a month (try it and see what happens!).
Do you have ideas that have worked in your company? Share them here!

got questions or some answers, don't be shy leave a comment or you can email me...
gioperation@sendfree.com