My Mama Told Me Cash Gifting Wouldn't Work! by Mentor Sam

By Mentor Sam

You have asked yourself this question I am sure.... Is it real???

Looking online can be work just finding a opportunity that works. The Abundant Living System is no different. With all the flashy promises of making the seeming easy $2500.00 a week it all seems like alot of hype and build up to a scam.

Being as though I have lookedfirst hand at The Abundant Livinging System and I must say I am totally shocked at what I have found out. Although there are hundreds of "make $500 a week" ads and websites out there, theirs seem to be different. I compared it to a few other money making programs online that I've made thousands with to see what all the talking about cash gifting was about.

Like any other "work from home business it to has over 500,000 references to it on those search engines. Also in small business magazines in book stores it's in alot of those ads there as well. But good marketing doesn't mean that a work from home opportunity is not a a scam or a rip off..so I looked more closely at it.

Wow! .. On youtube and other video websites there are tens of thousands of videos talking about cash gifting on their own videos. I'm sure you've seen them with all the money being counted out from the overnight fed ex packages. I figured they were all fakes and sent the money to themselves and wanted you to send them cash money for nothing. I began digging deeper.....

It started looking like my hunt was over and I had snached the covers off the scam of cash gifting..... then it dawned on me .. why not call on of these people and confront them on the fact that I had all these cash gifting programs to be one big ring of people scamming online business seekers... so I did it!

I called a lady up and we began to talk about the fraud and scheme of this cash activity on the internet and all these fake videos of cash envelopes being opened. And we talked........and we talked....... I just did not believe her no matter what she said I couldn't understand how it all worked. Why would someone send me $500 in the mail to join a website, it made no sense to me.

...2 weeks went by and I got a call from a ex co-worker who got fired for having a big shouting match with the manager ( great way to get a raise ) He told me how he lost is car and apartment and had moved into a basement with some neighbors who had the internet. He unfolded his personal story from that to recieving in 1 day $7000.00 cash to his door. Naturally I did not believe him...I mean who would believe that his Abundant Living System could do that.

I think you know what I did after I saw the envelopes,cash and website right....I began doing the exact same thing and didn't really believe it would work.... kinda just hoped it would and in 5 hours I made $500.00 cash sent by overnight delivery.

About the Author:

Mentor Sam Has Found the Perfect Easy Cash! plan that privatly makes Thousands!

My Mama Told Me Cash Gifting Wouldn't Work! by Mentor Sam

By Mentor Sam

You have asked yourself this question I am sure.... Is it real???

Looking online can be work just finding a opportunity that works. The Abundant Living System is no different. With all the flashy promises of making the seeming easy $2500.00 a week it all seems like alot of hype and build up to a scam.

Being as though I have lookedfirst hand at The Abundant Livinging System and I must say I am totally shocked at what I have found out. Although there are hundreds of "make $500 a week" ads and websites out there, theirs seem to be different. I compared it to a few other money making programs online that I've made thousands with to see what all the talking about cash gifting was about.

Like any other "work from home business it to has over 500,000 references to it on those search engines. Also in small business magazines in book stores it's in alot of those ads there as well. But good marketing doesn't mean that a work from home opportunity is not a a scam or a rip off..so I looked more closely at it.

Wow! .. On youtube and other video websites there are tens of thousands of videos talking about cash gifting on their own videos. I'm sure you've seen them with all the money being counted out from the overnight fed ex packages. I figured they were all fakes and sent the money to themselves and wanted you to send them cash money for nothing. I began digging deeper.....

It started looking like my hunt was over and I had snached the covers off the scam of cash gifting..... then it dawned on me .. why not call on of these people and confront them on the fact that I had all these cash gifting programs to be one big ring of people scamming online business seekers... so I did it!

I called a lady up and we began to talk about the fraud and scheme of this cash activity on the internet and all these fake videos of cash envelopes being opened. And we talked........and we talked....... I just did not believe her no matter what she said I couldn't understand how it all worked. Why would someone send me $500 in the mail to join a website, it made no sense to me.

...2 weeks went by and I got a call from a ex co-worker who got fired for having a big shouting match with the manager ( great way to get a raise ) He told me how he lost is car and apartment and had moved into a basement with some neighbors who had the internet. He unfolded his personal story from that to recieving in 1 day $7000.00 cash to his door. Naturally I did not believe him...I mean who would believe that his Abundant Living System could do that.

I think you know what I did after I saw the envelopes,cash and website right....I began doing the exact same thing and didn't really believe it would work.... kinda just hoped it would and in 5 hours I made $500.00 cash sent by overnight delivery.

About the Author:

Mentor Sam Has Found the Perfect Easy Cash! plan that privatly makes Thousands!

What If You Can't Pay All Your High Priority Debts

By Ian Pelham

Taking into account individual differences, the vast majority of people would prefer to pay the debts required to maintain a roof over their heads and transport needs before seeing to any others.

In some cases, you may find that your financial situation is so bad that your cannot even maintain required payments to those high priority debts. Your income, for example, may not be enough to pay the mortgage and the car loan.

One serious mistake that some people make in this situation is to pay smaller, low-priority debts if they cannot keep up with their high priority debts -- "If I can't pay my mortgage, at least I will keep up with my credit cards."

Not a good idea at all. Virtually every strategy to keep your home and your car will mean you have to resume repayments again in the future. If you can't make the payments just now, get in touch with your creditor and see if they will accept partial payments in the meantime.

If you are unsuccessful, save the money. You can use it later to make a lump-sum down payment to get caught up or to cover the costs of moving to a new residence or buying a new car.

Another pitfall to avoid it making desperate choices. Although it is hard to accept that you will lose a home or a car or other valuable property, the alternatives can sometimes be worse.

An example would be to refinance your low interest rate mortgage with a high interest rate mortgage in order to take the pressure off in the short term (the next few months), although ultimately it will quite likely prove to be hopeless

You have a better chance of working out a solution with the existing lender than you do of avoiding foreclosure by taking out a loan with an aggressive finance company that makes high-rate loans.

There are many strategies for dealing with debt problems discussed throughout this course. Occasionally, though it is best to step back and accept the inevitable change which money problems sometimes require.

You may be living in a home you can't afford or you may need to substitute a cheaper auto to fit a new lifestyle. Once that point is reached, you can do things which make the transition easier.

You may need to sell your home at a reasonable retail price so as to avoid a low price at a foreclosure auction, or making an agreement with your lender that they can take over ownership of the property without making you pay any shortfall.

These are not easy choices and you really do need to base these on your own unique circumstances and future prospects. After making your decision, it is the best thing to cease payments on that debt and focus instead on servicing other urgent debts.

Continuing to pay a debt on property that you will lose in the long term anyway is expensive. You do not want to "throw good money after bad."

Feelings of moral obligation to particular creditors.

When you are analyzing your priorities you might feel that some creditors deserve repayment more than others. You might like some creditors whilst really loathing others.

These feelings should rarely be a factor in deciding which debts to pay first. Giving up the family home to pay off a creditor for whom you have good feelings is too big a sacrifice.

If a creditor is sympathetic or has done you favors in the past, they are more likely to be patient as you work out your financial problems.

A similar situation arises in small towns or villages where there might be only one or two doctors or dentists servicing the community. You might not want to lose the access you have to these people and so you may feel obligated to pay their debts first. This may be a relevant concern but only in limited cases.

You should not assume that a business or a doctor will cut you off from future service right away if you don't pay. Explain the situation and ask for patience.

Also, you may find there are other creditors nearby who you can use as alternatives should the need arise.

Everyone has financial problems at one time or another. It is nothing to be embarrassed about. Ask for help from creditors with whom you have a good relationship if you need it, and explain that you will make every effort to pay when you get back on your feet.

About the Author:

Ian Pelham is a marketer who has come through a very difficult time financially. He used debt consolidation loans to restructure his finances. Using a debt consolidation loan was one of the best things he did to rid himself of his bad debt.

Choosing A Credit Card

By Darren Cason

Many American consumers have recently defaulted on their credit cards. Recent hurricanes along with high gas prices have affected consumers. However, having to pay more for gas should not be enough to push you over the edge, if you are using your credit card responsibly.

There are many excellent reasons to use credit cards. They eliminate the need to carry large amounts of cash, and many offer rewards points or cash back options. Discover Card in particular offers a well-known cash back program. Credit cards also come in handy during emergencies, as a convenient way to make unexpected purchases if you do not have cash saved up for such emergencies.

However, the bottom line is that if you can't pay cash for a purchase, then you should not charge it. Credit cards are often used to buy luxuries that you can't really afford. Being able to make the minimum payment is not the same as being able to afford the item.

If you have a balance on your credit card, particularly if you only make the minimum monthly payments, then you need to get control of your finances. First, read the fine print of your credit card agreement. If it has a yearly fee, cancel it. If it has an exorbitant interest rate, call the credit card company. Many will lower your rate just for asking. Next, compare the late fee, especially if you are often charged this fee because you pay late. By shopping around, you may be able to save money on the fees.

Penalty rates can be very high on credit cards. Over three quarters of credit card companies raise rates as a penalty for carrying a monthly balance and paying your bill late. However, there are still some companies who do not do this, so if you often carry a balance or are late paying, you should look for a credit card with lower interest or one which will not raise your rates. Another penalty fee to watch out for is the fee charged for going over the card's credit limit or when you desire for the best card to transfer.

Another factor to consider when choosing a credit card is the minimum payment. Minimum payment amounts are very important when calculating the total amount of interest you'll owe on the amounts you charge. If you're charging items because you can't afford them in full now, why would you want to pay interest on top of that amount? According to one study, paying the minimum payment on a $12,000 balance at 18 percent interest will take more than 60 years to pay off! And you'll end up paying nearly three times your original balance because of all the interest charges. Many people only make the minimum payment each month, but it will take you many years to pay it off if you do that. As a result, new laws require that the minimum payment is at least 1 percent of the balance. If you paid that on the same $12,000 balance, it would cut the payment time to 30 years, and the interest down to less than $6,000.

You must understand how credit card fees if you want to use them responsibly and avoid falling into debt. Think wisely, and avoid using the card if you can.

About the Author:

We've created an excellent resource for you on the topic of best card to transfer to lower interest. Drop by today at http://www.debtjerk.com/selecting-balance-transfer-credit-cards.html.

Drowning in Overwhelming Debt? There is Help

By Eileen King

With the recent downturn in the economy people everywhere are feeling the effects of the current financial crisis. Banks and businesses are closing, people are being laid off from work and the outstanding debts are piling up. It seems as if the whole world is grappling with financial problems. Is there any help for overwhelming debt?

As overpowering as it may seem while in the middle of financial difficulties, it is possible to get out of debt. Credit counseling experts advise the first place to start is to realize the necessity of formulating a credit reduction plan and in being determined to stick to the plan.

In creating a plan will need "get real" about your debt. Do you know exactly how much you owe? Or, what interest rates you are paying on credit cards, and on your mortgage or your auto loans? Start by gathering and recording all of this information.

Next, list all of the day-to-day living expenses and the financial obligations you incur each month. This means noting all of the monthly payments you owe on credit cards, mortgage (or rent), utilities - every expenditure you incur on a regular basis. Be thorough with this as it is very important. You cannot make a plan for debt reduction without a thorough understanding of your current financial obligations.

After you have determined your current debt level it is time to get professional help. Make an appointment with a credit-counseling agency that is on the approved list (has the met the requirements of the US Bankruptcy Code). There are two reasons for this: accountability and guidance. When you meet with the agency take with you the list of debts and expenses you have prepared. After assessing your situation, they will make recommendations and, in some cases, work with your creditors to help you resolve your debt.

There is help for overwhelming debt if you make a plan and commit to it. Whatever you do, do not let feelings of helplessness overpower you. Instead, simply take the necessary steps to get out of debt and achieve financial freedom. It can be done.

About the Author:

Eileen King is a home-based freelance writer whose areas of interest include personal finance, online college education, and professionally and career-focused online degree programs for working adults.

Improve Your Credit Score By Checking Your Credit Report

By Jim Bransby

Your credit score has become an important tool that is used to make decisions about you. When you apply for credit cards or a car loan, this will trigger a credit check and generate multiple credit scores. Based upon these scores, lenders make decisions about whether or not to lend to you, how much to lend, and at what interest rate. Credit scores are also used by potential employers, utility and service providers, along with other companies you do business with.

So, improving your credit is score is essential. The method by which the various credit reporting and scoring companies assemble credit scores differs, but these methods have enough in common that you can be confident that certain steps will improve all of your credit scores.

First of all, you need to know who has this information. There are three major credit reporting bureaus, Experian, TransUnion and Equifax. Each of these companies has a file for you and every other person who has consumer credit. These files are assembled over time by compiling the information that credit providers give the credit bureaus. It works like this: Each time you obtain credit it goes into your file, then the lender gives the bureaus a record of the repayment of that debt.

For example, say you get a car loan that requires a payment every month on the 5th for thirty six months. Over the first year, say you make two payments on the 20th, and the rest on or before the 5th. The lender sends a report about this loan activity to each credit reporting bureau. Each credit bureau then uses a proprietary formula to compute a credit score for you, based on the information reported in your file.

The next and most important step is applying to see your credit report. This information is vital, think of it as your financial health record. There are many companies on the internet that allow you to access your credit report and credit score online.

Once you have a credit report and a credit score, take a look at the information reported by your creditors. Make sure that the creditors that are reporting into your credit file are actually your accounts. If there are creditors listed on your report that you did not borrow from, you can improve your credit score by having these entries removed from your account.

Finally, review all payment histories to be sure that they are accurate. If a creditor has reported incorrect late payments, or does not show payments that you make, correcting these can greatly improve your credit score. Your credit score report will contain the addresses of the credit reporting bureaus. Just follow the instructions to write to the bureaus and identify errors in your report

Each credit bureau will individually look into errors. Sometimes you will need to communicate with the bureaus more than once to get things resolved, so it is important to keep a file of letters and responses. As you remove the incorrect late payments or other inaccuracies, your score can improve dramatically in a short time.

As it is so vital, apply to check your credit report as soon as possible, then continue to do so at least annually. The more you are aware of your financial health record, the more easily you can improve your credit score. Since credit scores are so commonly used today, improving yours will help you in many ways.

About the Author:

To find out exactly how you can get your annual credit report visit my credit report website.

Take Charge Of Your Debts for Better Living

By Bob Hobson

Debts are a common thing. Many people acquire a loan for something important. Mortgage loans are also ordinary, as they enable people to be able to purchase their dream houses.

If you have debts and are looking for the best solution for it, here are good tips to follow so you can manage that debt and continue living life as you do.

1. Assess your debts. Check all the billing statements sent to you and the amount your creditor is asking in payments. If you see any conflicts or wrong entries, dispute them accordingly. You then make a substantial computation, including interests and other charges.

2. Come up with a plan. You need to decide how quickly you want to pay off your debts; then see if you may be able to pay them off a little quicker than this. The earlier you can pay off your debts, the cheaper it will be, since less interest payments will be assessed.

3. Budget development. After calculating your debt amount total, you will then budget your spending. Determine you monthly debt according to your projected time-line of final payment of the debt. Make the amount of your loan repayment the first priority of your new budget.

4. Seriously reduce spending. Upon finding that your estimated monthly expenses are more that your monthly income, you should determine which purchases can be either delayed or cut completely from your budget. It is best to have what you need rather than what you may merely want.

5. Make the best use of your savings. When you have money in the bank you should figure out how to use it to your advantage by paying off your debts. Find the savings account that earns the lowest interest. See if this can be useful for compensating a higher interest rate loan.

6. Look for additional sources of income. You may be able to get a second job or start a home based business to bring in a little extra money to go towards your debts. You may also be able to qualify for government funds in some cases.

These six tips can help you to slash your debts in short order. The key is to set your priorities; once you do that, you are certain to succeed in getting out of debt.

About the Author:

Why Not consolidate debt? If you are looking for debt solutions check out www.livingoutofdebt.com

Acquiring A Great Credit Score

By Patrick Stewart

A good credit mark is serious in our financially ambitious order. Getting a good mark tells potential employers, business concerns and creditors that you are dependable and will likely pay any accounts charges on time. Info the likes of this can be utilized by many establishments. Most individuals don't recognize that Having a healthy credit history can aid them with employment chances, applications for credit cards, buying a new house or even a new car.

If a individual hopes to purchase a new home or automobile, this must be in healthy standings. If you have broken your credit history recently, then you must take measures to fix the trouble promptly. This will enable you to use your charge card to purchase luxury items like holidays. There are free ways to finding this data without too much work.

Each individual can find out precisely what their credit marking is when they locate free business organisations on the web. People can check their credit score each year from these types of companies. These companies will ask you a few simple questions which most individuals would be able to answer off the top of their head. Your credit score and any outstanding accounts would then be available to look at. If an person sees that they have awful credit or the credit grading will not allow them what they desire, there are assorted methods to repair this situation.

One of the first things an individual can do to increase their credit mark is to clear any old bills. Even if this was for 10 years ago, it will assist in credit individual's credit marking vastly. Once the bills are entirely wiped clean, an individual can begin obtaining a no credit or bad credit Master Card or Visa. This will be helpful for a individual to begin acquiring a good credit mark and be able to buy their dream home or vehicle. This can aid a individual to increase their credit mark, which will enable them to buy a new car or their dream home. Paying off any old bills] will help a individual increase their credit score and help them to buy luxury items on the credit.

It is very easy to get a bad credit score against you, but it can take some time to get your healthy credit grade back. Begin by buying one or two items on the new credit card and then paying it off immediately. By doing this you will show your charge card company that you are a good risk, this usually will help you get a higher balance on your card and at the same time Increase your credit rating.

Every person runs into hard times in their life. Paying your bills for a couple of months may be a trouble. once you get into this type of situation you will have problems getting out of debt, at the same time your credit history, plummets. There are methods to ensure that each person can gain a marvelous credit scoring once again. A few bad months out of life does not need to detour a person from eventually obtaining excellent credit for the things they desire in life.

About the Author:

You can visit: personal credit report and a good credit score for more information.

Powerful Tips To Significantly Reduce Your Utility Bill

By Jenni Snook

Receiving our gas and electrical bills is certainly not the most pleasant experience. Despite not receiving a pleasant bill, many people quickly assume that there's nothing they can do to help it. Contrary to popular belief, there is a fair bit that families can do to save energy and cut their utility bills down. By simply adopting many of the tips in this article, you will be able to reduce energy consumption as well as your bills.

A simple way to start saving money is by researching what different utility companies charge. You may find cheaper alternatives that you didn't know about. Utility companies are in fierce competition with rivals, which can only be a win-win situation for you and saving money.

It's possible that you may be living in an area where there is only one utility company. It's also possible that your utility company is already the most economical one. If this reflects your situation, then your next step to save money should be to reduce your energy consumption. This may seem impossible but it isn't. Even by applying very simple energy saving techniques, you can accumulate quite a large amount of savings.

One energy and money saving tip is to switch off all the lights in your home except in the room you are using. Many have a bad habit of leaving lights on in unused rooms. Such a habit can result in higher utility bills in the long run. Saving hundreds of dollars a year can be simple as switching off unnecessary lights at home.

Insulation is something to consider if you currently live in an older home. Insulation does wonders for cutting down the amount of heat that leaves your home. Insulation can allow your family to save a significant amount of money. If you have a boiler in your home, you may want to insulate that as well. This would also assure that your water is warmer during the cold months of winter. This process of insulation assures you savings both on the quantity of water and the heat used to heat it. In addition, insulation assures that your boiler reduces its wear and tear meaning that it will last longer.

There are those people who do not consider reducing their energy bill simply because they are convinced that it is out of their control. Nonetheless, there is a big possibility of saving a significant amount of money by simply looking for alternatives. The best part about cutting energy is that you're saving money as well as protecting the environment.

About the Author:

Jenni Snook is the chief reporter of http://www.HealthyWealthySoul.com, a website focused on giving individuals recommendations and tools on personal finance planning to have both financial and spiritual happiness in their lives.