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Do you find yourself constantly worrying about your financial future? Do you never seem to have quite enough money to make both ends meet? We want to help you improve your standard of living, repair your credit, get out of debt, learn about borrowing, and help you make good financial decisions so that you can accumulate wealth! The following are topics included in this e-book, which has helped many and will help you as well. You may not be in debt, on the verge of Bankruptcy or foreclosure, but this e-book will still help you to better balance your life financially.
SEIZE CONTROL OF YOUR FINANCES BUDGET CREDIT CARDS Interest rates Want to reduce your credit card debt? Ways to pay off credit card debt Credit fraud Opening a new credit card account STOP CREATING MORE DEBT Ways to curb your spending BALANCE YOUR CHECKING ACCOUNT BORROWING MONEY YOUR FICO SCORE What is a FICO Score? Things that impact your FICO score What the numbers mean CREDIT RATINGS What is a credit rating? Key factors considered in your credit rating What the numbers mean What you should do about a bad credit rating Ways to improve your credit rating Be your own “Debt Manager” Laws governing debt collection Bankruptcy Chapter 13 Chapter 7 KNOW YOUR RIGHTS WHEN DEALING WITH DEBT COLLECTORS 1 BUY A HOME What you should consider when buying What you will need to have with you when applying for a mortgage DIFFERENT TYPES OF MORTGAGES Conventional fixed-rate mortgages Adjustable rate mortgages Getting Government help toward home-ownership Government mortgages FHA VA Balloon mortgages Interest-only & negative amortization mortgages Down payments Tax advantages of home ownership Deducting points and closing costs REFINANCING YOUR MORTGAGE When to do it The cost of refinancing No cash-out versus cash-out refinancing Home equity loans Second mortgage installment loans BUYING A CAR LOAN CONSOLIDATION3 FINANCIAL ADVISERS ACCUMULATING WEALTH Determine your Net Worth Increasing your Net Worth Earning money Stumbling blocks to accumulating wealth BEGIN SAVING and INVESTING Build up your cash reserves Steps to building a cash reserve Know your rate of return TYPES OF SAVINGS ACCOUNTS Passbook Savings Accounts Money Market Accounts (MMA’s) Money Market Mutual Funds Certificates of Deposit (CD’s) 2 INDIVIDUAL RETIREMENT ACCOUNTS (IRA’s) Traditional IRA’s IRA’s for kids Roth IRA’s INVESTING IN THE STOCK MARKET Top 10 investing mistakes Basics about stock market investing INVEST IN THINGS THAT ACCUMULATE IN VALUE! BE PATIENT and LET YOUR MONEY GROW! Compounding Simple interest SAFEGUARDING YOUR FINANCIAL SECURITY – LIFE INSURANCE What insurance does for you Determine how much insurance you need Term Insurance Limited Payment Life Insurance Endowment Life Insurance Annuity Whole Life Insurance How it works Choosing a whole life insurance policy Straight-life insurance IN CONCLUSION FORMS SENDING DISPUTE LETTERS Sample letters Budget form To BUY NOW:click on PayPal button above,and your copy will be sent via your e-mail with invoice. BONUS: purchase Get Out Of Debt, Repair Your Credit Accumulate Wealth and receive Success System For Life, For FREE it doesn’t matter what you do for a living. Whether you’re
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