Merry Christmas and Happy New Years!
Its been a pretty good month and I'm looking for great things in 2009!
Before I start I've decided no matter what I'll be happy. I don't know why I've decided to do this but I'm going to do it.
I decided to do this on Christmas Eve while shopping at the grocery store.
And I got off to a great start! One of my company delivery vans broke down on Christmas Eve. One of my delivery drivers decided to deliver 75% of his route due to the bad weather we had up here in Wisconsin.
A furniture store that advertises in my publication wrote 2 bad check totally $600.00.
I told my wife of my decision and she said just be happy.
Let's see...I just had $600 in returned checks to my account
I had to rent a Uhaul van to replace the other delivery van. But due to the Christmas holiday I had to pay for 2 day instead of 1 day. $150.00
The repairs to the van was $250.00
The cost of one of my drivers only doing 75% of his route is tough. For 19 years we've never missed delivery my publication to a store regardless of Rain, Sleet or Snow!
But I continued to have a positive outlook and a happy state of mind.
I had plenty of good things happen on Friday. I won't bore you with them but they have a lot of 0's behind a certain number heigher than 8. We'll leave it at that.
You know that I'm on the job reviewing and investigating any and everything companies are offering to get people out of debt.
I have a Preliminatary Warning! This is a need more information and don't touch it until. But I won't say it's good or bad yet!
Mortgage Auditing Companies.
These are companies promising to audit your mortgage documents to see if there are mistakes that you can be credited for.
Read that sentence again...read that sentence again...read that sentence again.
Why because everyone that I talk too including the representative from one of these companies have implied...
We audit your documents to see if there are mistakes that can allow us to re-negotiate your mortgage terms.
Well so far in my investigation of what they offer on paper / their contract is to audit your mortgage contract for mistakes such as over charges to your interest rate, fee's, etc.
They don't suggest that they will be able to re-negotiate your mortgage terms.
But they imply this in there advertising! WORDS HAVE SEVERAL MEANINGS - WORDS HAVE A WAY OF MEANING WHAT YOU WANT THEM TO MEAN RATHER THAN WHAT THEY REALLY ARE PUT TOGETHER TO MEAN.
That must be the reason why there are so many mis-understanding on this planet.
So if you're looking at any offers made by a company make sure you read there offer for what it is.
Steve - how and the hell do I do that?
Read the offer 2 or 3 times and listen to what you're saying. If it could mean something else ask the company rep for clarification. Don't be afraid or embarrassed, it could save you a lot of heart ache and money!
Happy Holidays
Steven Williams
The Real Debt Solution
Saturday, December 27, 2008
Saturday, December 13, 2008
Credit Score Scam Alert!
I've taken a little break from my blog due to the increased holiday business to my publication BlueBookMilwaukee
But I have a very important alert/scam/warning when it comes to Credit Scores.
I've just been alerted to the scams that 99% of the mortgage/banks are using to base the Interest Rate they will give a person on a new home loan.
Most of us thought that when you ordered your credit score from the credit bureau that that would be the credit score that a lender would see...Right?
We'll that's not the truth. mortgage companies and banks are using there own formula to figure a credit score. From my research if your credit score is 812 it will be about 648-670 after the mortgage / banks run your credit through their formula's.
Why do they do this? Because they want you to pay a higher interest rate.
Now...I'm about to tell you something that flew over many peoples head in one of my earlier blog postings.
I have a very good friend that works in the mortgage department in a very large national bank and this person has told me that banks are double dipping when it comes to foreclosers.
Before Leman Brothers went down they were paying out private mortgage insurance claims to banks that had taken homes back because of foreclosures.
You've probably noticed that after Leman Brothers got the bailout the government really stopped bailing out companies.
They don't give a SH_T about you and I or the property, they only care about their money. And as long as they can file claims and get the money and the property with private mortgage insurance they will keep the formula for lowering credit scores which is why people are being placed in Preditory Loans.
Oh yah!!! Congrats to myself I've launched my new company to help people pay off all of their debt and leave these banks/mortgage companies/credit card companies to wither on the vine!
The Real Debt Solution
Thanks for your time!
Steven A Williams
But I have a very important alert/scam/warning when it comes to Credit Scores.
I've just been alerted to the scams that 99% of the mortgage/banks are using to base the Interest Rate they will give a person on a new home loan.
Most of us thought that when you ordered your credit score from the credit bureau that that would be the credit score that a lender would see...Right?
We'll that's not the truth. mortgage companies and banks are using there own formula to figure a credit score. From my research if your credit score is 812 it will be about 648-670 after the mortgage / banks run your credit through their formula's.
Why do they do this? Because they want you to pay a higher interest rate.
Now...I'm about to tell you something that flew over many peoples head in one of my earlier blog postings.
I have a very good friend that works in the mortgage department in a very large national bank and this person has told me that banks are double dipping when it comes to foreclosers.
Before Leman Brothers went down they were paying out private mortgage insurance claims to banks that had taken homes back because of foreclosures.
You've probably noticed that after Leman Brothers got the bailout the government really stopped bailing out companies.
They don't give a SH_T about you and I or the property, they only care about their money. And as long as they can file claims and get the money and the property with private mortgage insurance they will keep the formula for lowering credit scores which is why people are being placed in Preditory Loans.
Oh yah!!! Congrats to myself I've launched my new company to help people pay off all of their debt and leave these banks/mortgage companies/credit card companies to wither on the vine!
The Real Debt Solution
Thanks for your time!
Steven A Williams
Monday, December 01, 2008
The Most Important Thing You Can Do Over The Next Few Months is...
I know I about to piss some people off with my prediction but it's my opinion and I've been right about 99% of the time predicting financial outcomes.
First I don't predict numbers and that's were 99% of the failures in this so called recession economy fail.
My business is up 38.8% over the last 2 months.
I withdrew all of my money out of the stock market in Feburary '08.
I just made a profit of $35,000 on one of my real estate deals in this so called recession hard to get a loan market.
How did I do it? First the problem that most of you may have is that you've let others make your financial decisions.
Know one will handle your money better than you will.
Before I go on here's a list of my BIG DON'T!!!!!!
DON'T BUY GOLD!!!!
DON'T BUY SILVER!!!!
DON'T BUY PLATINUM!!!!
DON'T BUY ANYTHING THAT YOU CAN'T HANDLE OR LOGICALLY TRADE SOMEONE!!!
I will give you one reason why you should and this is the biggest reason why you should by any precious metals.
WHY? Because someone is willing to take your so called depressed American Dollars for something so precious and valuable as gold!
Why don't they keep it for themselves. Or how about this let take a bar of gold to the grocery store and a $20 bill and let's see who will eat dinner tonight.
(I'm not a lawyer or financial advisor, if you need financial or legal advice please consult a qualified lawyer or advisor.)
Now with that out of the way.
Over the next few months you need to take all of your money out of the stock market. You need to invest in real estate. Next you need to fix the properties up slowly over the next few years and don't rent them out to anyone unless your a very very very very experienced landlord.
Don't take any loans out on your properties. If you want to know how to get them from the bank for $2,000 to $5,000 email me and I'll show you how. For FREE of course not I'll show you for $500.00why $500 because I'm sick and tired of giving free information to people that won't do anything with it. If you don't do anything after spending $500 you're just a fool!!!
Next if you don't have enough cash to purchase real estate you need to turn off the F'in TV and sign up for an interest marketing online class. You need to learn how the next millionaires will be made and it's from buying and selling online.
Not the Ebay stuff, I'm talking about setting up a unique business or marketing someone elses products online.
You need to learn how to do it right, not some BS get rich quick scam, you need to learn from pro's and put your lessons into action. If you need a recommendation let me know...
If you're too lazy to take sometime to make a difference in your life I feel sorry for you.
Oh yeah! Will the dollar crash? I don't know, but I'm positioned to recover if it does...are you?????
First I don't predict numbers and that's were 99% of the failures in this so called recession economy fail.
My business is up 38.8% over the last 2 months.
I withdrew all of my money out of the stock market in Feburary '08.
I just made a profit of $35,000 on one of my real estate deals in this so called recession hard to get a loan market.
How did I do it? First the problem that most of you may have is that you've let others make your financial decisions.
Know one will handle your money better than you will.
Before I go on here's a list of my BIG DON'T!!!!!!
DON'T BUY GOLD!!!!
DON'T BUY SILVER!!!!
DON'T BUY PLATINUM!!!!
DON'T BUY ANYTHING THAT YOU CAN'T HANDLE OR LOGICALLY TRADE SOMEONE!!!
I will give you one reason why you should and this is the biggest reason why you should by any precious metals.
WHY? Because someone is willing to take your so called depressed American Dollars for something so precious and valuable as gold!
Why don't they keep it for themselves. Or how about this let take a bar of gold to the grocery store and a $20 bill and let's see who will eat dinner tonight.
(I'm not a lawyer or financial advisor, if you need financial or legal advice please consult a qualified lawyer or advisor.)
Now with that out of the way.
Over the next few months you need to take all of your money out of the stock market. You need to invest in real estate. Next you need to fix the properties up slowly over the next few years and don't rent them out to anyone unless your a very very very very experienced landlord.
Don't take any loans out on your properties. If you want to know how to get them from the bank for $2,000 to $5,000 email me and I'll show you how. For FREE of course not I'll show you for $500.00why $500 because I'm sick and tired of giving free information to people that won't do anything with it. If you don't do anything after spending $500 you're just a fool!!!
Next if you don't have enough cash to purchase real estate you need to turn off the F'in TV and sign up for an interest marketing online class. You need to learn how the next millionaires will be made and it's from buying and selling online.
Not the Ebay stuff, I'm talking about setting up a unique business or marketing someone elses products online.
You need to learn how to do it right, not some BS get rich quick scam, you need to learn from pro's and put your lessons into action. If you need a recommendation let me know...
If you're too lazy to take sometime to make a difference in your life I feel sorry for you.
Oh yeah! Will the dollar crash? I don't know, but I'm positioned to recover if it does...are you?????
Thursday, November 20, 2008
Small Town Bank Robbery...what is this world coming too?
During these hard times there are things that are happening around us that are like clue's as to exactly how much people are hurting in todays economy.
From 1994 to 2002 myself and my family lived on a 20+ acre farm. We were in the Arabian horse showing/breeding/sales business. Actually this was my wifes business I continued running our publishing business.
Well the town that we lived in was Lyons Wisconsin. Population at that time was about 2,500 people. But I think that was an over estimate. There was only 1 gas station, 1 corner store, 1 post office with just 1 employee, 1 school, 1 car repair shop and 1 bank.
There was only 1 minority family and that was mine. Everyone was very friendly and courteous. We all knew each other.
I was reading my newspaper the other day and I noticed that there was a bank robbery in the county of Walworth. That wasn't a big deal because the county is pretty large, then I read more and I was surprised that the bank was Lyons bank.
If I can draw this picture for you on how improbable this robbery would be from an outsider of the community. This bank is not a huge bank, you wouldn't know it was a bank unless someone told you it was a bank. Unless they've upgraded since 2002.
Everyone knows everyone in that town. And a big problem is that there are only 2 streets in the entire town and eventhough there are several small subdivisions there is still only 4 ways in and out of the town.
This is what Malcolm Gladwell coined as a Tipping Point! In his book he stated that all people can be pushed to do BAD things if giving a certain combination of circumstances.
I don't have details about the bank robber, but I would bet that they were experiencing financial problems and that they were from that neighborhood.
From 1994 to 2002 myself and my family lived on a 20+ acre farm. We were in the Arabian horse showing/breeding/sales business. Actually this was my wifes business I continued running our publishing business.
Well the town that we lived in was Lyons Wisconsin. Population at that time was about 2,500 people. But I think that was an over estimate. There was only 1 gas station, 1 corner store, 1 post office with just 1 employee, 1 school, 1 car repair shop and 1 bank.
There was only 1 minority family and that was mine. Everyone was very friendly and courteous. We all knew each other.
I was reading my newspaper the other day and I noticed that there was a bank robbery in the county of Walworth. That wasn't a big deal because the county is pretty large, then I read more and I was surprised that the bank was Lyons bank.
If I can draw this picture for you on how improbable this robbery would be from an outsider of the community. This bank is not a huge bank, you wouldn't know it was a bank unless someone told you it was a bank. Unless they've upgraded since 2002.
Everyone knows everyone in that town. And a big problem is that there are only 2 streets in the entire town and eventhough there are several small subdivisions there is still only 4 ways in and out of the town.
This is what Malcolm Gladwell coined as a Tipping Point! In his book he stated that all people can be pushed to do BAD things if giving a certain combination of circumstances.
I don't have details about the bank robber, but I would bet that they were experiencing financial problems and that they were from that neighborhood.
Monday, November 17, 2008
Car Dealers Ripping Off Customers
Over 700 New car dealers have closed their doors nationwide. But some of them are taking advantage of their customers while they were making plans to close their doors.
These is called "Shuffling Money". This is how the scam works and surprisingly they rarely get in trouble for doing it.
Let say that you want to buy a new or used car. So you visit your local car dealer and you offer to trade your car to get another car. You owe $10,000 on your car. So you'll need them to pay your old loan off so you can get the new car.
By law after you sign the contract and take delivery of the new car the dealer has 7 days to pay off the other car you traded in.
They must also notify your previous lender that they have taken posession of the vehicle, thus releasing you from insurance claims.
That's in a perfect world!
This is whats happening now. Some dealers are having a hard time due to the current economic conditions. So they are actually getting the money from the lender that financed your new car and not immediately paying off your traded in vehicle.
Some dealers are even taking it further and selling your traded in vehicle and getting the money for that vehicle. Which is a violation of the law, because they sold your trade in without a clear title.
I've learned from several dealers that they did this during good times, but they could always make new sales to catch up and pay off the traded in vehicles.
The disturbing reality is that an individual could be held liable for both vehicles eventhough the dealer committed a crime.
From my research the dealers that have gotten away with this usually bought the trade in vehicle with one contract and sold the new vehicle on another contract. This ensures that the new lender is protected because there were no other vehicle committments tied to their contract.
HOW CAN YOU TELL IF THIS IS BEING DONE TO YOU:
1) If you call your previous lender and they say the car hasn't been paid off.
2) If you call the dealer and they keep giving you excuses about the check is in the mail.
3) If you are owed a 2nd set of keys or floor mats. (this is a tell tell sign that the dealer hasn't paid the auction dealer for the vehicle yet.)
4) If you haven't received a title for your new car yet. (My investigation has found that some dealers can lie to get a new title usually if the vehicle was titled in another state before sold at auction.)
WHAT CAN YOU DO ABOUT THIS BEFORE IT'S TOO LATE:
1) Always make sure your trade in is listed in the contract for purchasing your new car.
2) Check back with your previous lender to make sure they have been notified and that they balance is paid.
3) If you are getting the run around stop in at the dealer and make them write a letter explaining what has happened and ask them exactly when they will send the payoff check. Request that they send it next day confirmation delivery US Mail and that they make a copy of the check/cashiers check and fax or provide you a copy to pick up before they send it off. (this will establish a written paper trail if you have to go to court)
4) If they will not do #3 IMMEDIATELY contact your state automobile dealer inspector. Check your phone book or online.
You must also immediately contact the new lender of your new vehicle and inform them that you will be voiding the contract because it was never finished due to the dealers violations. NOTE: if your trade in isn't on your original contract you may run into some problems.
Immediately ask the dealer to give your trade in vehicle back. If your trade in wasn't listed in your original contract, hopefully they sold your vehicle to another person which would stack on violations of the law. Moving the bar more in your favor.
Way are the dealers not going to jail for this? Because they are incorporated business plain and simple.
Take a look at this video:
http://www.wftv.com/action9/17980827/detail.html
If you find yourself in this situation please contact me.
These is called "Shuffling Money". This is how the scam works and surprisingly they rarely get in trouble for doing it.
Let say that you want to buy a new or used car. So you visit your local car dealer and you offer to trade your car to get another car. You owe $10,000 on your car. So you'll need them to pay your old loan off so you can get the new car.
By law after you sign the contract and take delivery of the new car the dealer has 7 days to pay off the other car you traded in.
They must also notify your previous lender that they have taken posession of the vehicle, thus releasing you from insurance claims.
That's in a perfect world!
This is whats happening now. Some dealers are having a hard time due to the current economic conditions. So they are actually getting the money from the lender that financed your new car and not immediately paying off your traded in vehicle.
Some dealers are even taking it further and selling your traded in vehicle and getting the money for that vehicle. Which is a violation of the law, because they sold your trade in without a clear title.
I've learned from several dealers that they did this during good times, but they could always make new sales to catch up and pay off the traded in vehicles.
The disturbing reality is that an individual could be held liable for both vehicles eventhough the dealer committed a crime.
From my research the dealers that have gotten away with this usually bought the trade in vehicle with one contract and sold the new vehicle on another contract. This ensures that the new lender is protected because there were no other vehicle committments tied to their contract.
HOW CAN YOU TELL IF THIS IS BEING DONE TO YOU:
1) If you call your previous lender and they say the car hasn't been paid off.
2) If you call the dealer and they keep giving you excuses about the check is in the mail.
3) If you are owed a 2nd set of keys or floor mats. (this is a tell tell sign that the dealer hasn't paid the auction dealer for the vehicle yet.)
4) If you haven't received a title for your new car yet. (My investigation has found that some dealers can lie to get a new title usually if the vehicle was titled in another state before sold at auction.)
WHAT CAN YOU DO ABOUT THIS BEFORE IT'S TOO LATE:
1) Always make sure your trade in is listed in the contract for purchasing your new car.
2) Check back with your previous lender to make sure they have been notified and that they balance is paid.
3) If you are getting the run around stop in at the dealer and make them write a letter explaining what has happened and ask them exactly when they will send the payoff check. Request that they send it next day confirmation delivery US Mail and that they make a copy of the check/cashiers check and fax or provide you a copy to pick up before they send it off. (this will establish a written paper trail if you have to go to court)
4) If they will not do #3 IMMEDIATELY contact your state automobile dealer inspector. Check your phone book or online.
You must also immediately contact the new lender of your new vehicle and inform them that you will be voiding the contract because it was never finished due to the dealers violations. NOTE: if your trade in isn't on your original contract you may run into some problems.
Immediately ask the dealer to give your trade in vehicle back. If your trade in wasn't listed in your original contract, hopefully they sold your vehicle to another person which would stack on violations of the law. Moving the bar more in your favor.
Way are the dealers not going to jail for this? Because they are incorporated business plain and simple.
Take a look at this video:
http://www.wftv.com/action9/17980827/detail.html
If you find yourself in this situation please contact me.
Tuesday, November 11, 2008
Update 11-11-08
In the news...
Starbucks profits down 95%
McDonalds profits up 75%
Circuit City files for bankruptcy.
These are misrepresentations for how bad business really is.
Starbucks coffee is not that great. Almost everyone that I know that went to Starbucks wasn't for the coffee it was for the experience. I've always said that when people either find another place to meet up and sit down that has internet access. Starbucks would be finished.
They are a niche store with a bad product. Great service and great atmosphere, but that won't carry you in hard times because its a luxury.
McDonalds is taking their customers because they are offering the same product at cheaper prices and it taste better.
But McDonalds is a lawsuit waiting to happen. My major complaint with McDonalds is that their coffee is TOO HOOOOTTTTTTT!!!!!!!!
A friend of mine owns a McDonalds and he tells me that the temperature is predetermined by corporate. I told him that I purchase coffee from McDonalds and it was still hot one hour later.
Circuit City was just another electronics company without a niche. They would setup next to or near Best Buy stores hoping that they would get carryover from people price shopping at Best Buy.
Good concept, but they didn't count on Best Buy working on it Brand/Shopping Experience. Best Buy has paid close attention to the entire experience from the parking lot to your first step into their store.
Their experience is so tremendous to most that their conversion rate is very high. Most people will not shop around unless its a very high price item.
The market isn't as bad as they would like us to believe. Every business that I've been exposed to that is in trouble had a flawed business from the start.
BONUS!
I've decided to add this section because of the theory that a job is security!
I've been a small business owner since the age of 21. I just turned 40 this past August. I haven't worked for anyone else but myself since then.
Over the years I've dabbled in some network marketing companies. Some failed and one was a major success, but they ended up filing bankruptcy in 2003.
The reaccuring theme that most people would say to my wife and I when we would recruit people was that they needed a job for security. We would try to tell them that no job was secure and that the only way to ensure job security is to own your own job.
We would tell them that when you work for someone else your future is in their hands and if they needed to save money or make job cuts your job was on the chopping block.
Now that we are seeing layoffs and job cuts I really don't hear people expressing that a job was security. They just blame the economy.
This simply comes down to MINDSET! Regardless of what situation people find themselves in they can't clearly see that it isn't the economy, it isn't the job, it isn't how much money you have, its the MINDSET of the individual (you!).
I would like to recommend a website for anyone looking to get the right MINDSET for success.
http://www.incometoday.net
Starbucks profits down 95%
McDonalds profits up 75%
Circuit City files for bankruptcy.
These are misrepresentations for how bad business really is.
Starbucks coffee is not that great. Almost everyone that I know that went to Starbucks wasn't for the coffee it was for the experience. I've always said that when people either find another place to meet up and sit down that has internet access. Starbucks would be finished.
They are a niche store with a bad product. Great service and great atmosphere, but that won't carry you in hard times because its a luxury.
McDonalds is taking their customers because they are offering the same product at cheaper prices and it taste better.
But McDonalds is a lawsuit waiting to happen. My major complaint with McDonalds is that their coffee is TOO HOOOOTTTTTTT!!!!!!!!
A friend of mine owns a McDonalds and he tells me that the temperature is predetermined by corporate. I told him that I purchase coffee from McDonalds and it was still hot one hour later.
Circuit City was just another electronics company without a niche. They would setup next to or near Best Buy stores hoping that they would get carryover from people price shopping at Best Buy.
Good concept, but they didn't count on Best Buy working on it Brand/Shopping Experience. Best Buy has paid close attention to the entire experience from the parking lot to your first step into their store.
Their experience is so tremendous to most that their conversion rate is very high. Most people will not shop around unless its a very high price item.
The market isn't as bad as they would like us to believe. Every business that I've been exposed to that is in trouble had a flawed business from the start.
BONUS!
I've decided to add this section because of the theory that a job is security!
I've been a small business owner since the age of 21. I just turned 40 this past August. I haven't worked for anyone else but myself since then.
Over the years I've dabbled in some network marketing companies. Some failed and one was a major success, but they ended up filing bankruptcy in 2003.
The reaccuring theme that most people would say to my wife and I when we would recruit people was that they needed a job for security. We would try to tell them that no job was secure and that the only way to ensure job security is to own your own job.
We would tell them that when you work for someone else your future is in their hands and if they needed to save money or make job cuts your job was on the chopping block.
Now that we are seeing layoffs and job cuts I really don't hear people expressing that a job was security. They just blame the economy.
This simply comes down to MINDSET! Regardless of what situation people find themselves in they can't clearly see that it isn't the economy, it isn't the job, it isn't how much money you have, its the MINDSET of the individual (you!).
I would like to recommend a website for anyone looking to get the right MINDSET for success.
http://www.incometoday.net
Wednesday, November 05, 2008
Congratulations President Elect Barack Obama
America has shown that its the greatest country on the planet. The first person of African American desent has been elected to the highest office on the planet.
Tuesday, November 04, 2008
News Updates:
In my area a Frozen Custard shop closed up last month. They were heavy in debt about $300,000 and they ended up closing their doors.
There was another example of what I explained in my previous blog posting. They took advantage of the banking situation.
More closures and layoffs...Curcuit City closing 155 stores and laying off 7,000+ workers
WR&R Greenbay Wisconsin furniture store closes all locations after just opening them months ago.
Over 600 New and Used Car Dealers nationwide have decided to close their doors.
Mastercard losses $193.6 million dollars this quarter.
Years ago when I started working with mortgage brokers that advertised in my publication I started asking questions about the principal.
With all of the refinancing who pays the principal of the loans. Now let's examine this for a moment. When a bank makes a loan they front load the interest so they will make money immediately for lending money.
Now here's the tricky part of the equation. If you refinance the loan with new money does it actually pay off the old money or does it just add more money to the original principal amount?
Where does this new money come from?
If the bank get the new money to pay off the old money and they make their interest from the original loan they should be happy right?
To get a clear answer we need to go back about 100 years. Banks didn't make much money when they made loans. But they did make a lot of money after they let long term loans mature. Think about it they would make a home loan and wait at least 20 years before they could actually on paper make money.
So they had to figure out a way to record profits earlier and they did it two ways.
1. They went of a fee binge. overdraft, overnight overdraft fee, over, overnight overdraft fee, tyme machine fees, check cashing fees. And my favorite the counting cash fee. They charge me $2.50 to $3 to count my cash when I make large deposits.
2. They went on a lending binge. They kept extending credit. This was actually the death of most banks. They have so much money loaned out they can't make their own interest payments for the money they borrowed.
That's why I say the principal is never paid. Todays market has made that possible and that's why if you can become semi or totally debt free you will actually be able to save more money and have more money.
There was another example of what I explained in my previous blog posting. They took advantage of the banking situation.
More closures and layoffs...Curcuit City closing 155 stores and laying off 7,000+ workers
WR&R Greenbay Wisconsin furniture store closes all locations after just opening them months ago.
Over 600 New and Used Car Dealers nationwide have decided to close their doors.
Mastercard losses $193.6 million dollars this quarter.
Years ago when I started working with mortgage brokers that advertised in my publication I started asking questions about the principal.
With all of the refinancing who pays the principal of the loans. Now let's examine this for a moment. When a bank makes a loan they front load the interest so they will make money immediately for lending money.
Now here's the tricky part of the equation. If you refinance the loan with new money does it actually pay off the old money or does it just add more money to the original principal amount?
Where does this new money come from?
If the bank get the new money to pay off the old money and they make their interest from the original loan they should be happy right?
To get a clear answer we need to go back about 100 years. Banks didn't make much money when they made loans. But they did make a lot of money after they let long term loans mature. Think about it they would make a home loan and wait at least 20 years before they could actually on paper make money.
So they had to figure out a way to record profits earlier and they did it two ways.
1. They went of a fee binge. overdraft, overnight overdraft fee, over, overnight overdraft fee, tyme machine fees, check cashing fees. And my favorite the counting cash fee. They charge me $2.50 to $3 to count my cash when I make large deposits.
2. They went on a lending binge. They kept extending credit. This was actually the death of most banks. They have so much money loaned out they can't make their own interest payments for the money they borrowed.
That's why I say the principal is never paid. Todays market has made that possible and that's why if you can become semi or totally debt free you will actually be able to save more money and have more money.
Monday, October 27, 2008
The Next Shoe To Drop and how did those Arabs buy that business?
The next shoe to drop will be the Commercial Real Estate market. Currently they are hiding the losses with corporate debt, but eventually they will have to reveal the loses.
My business offers me a unique view at the mortgage and banking industry. About 5 years ago I noticed hundreds of Arab and Indian/Pakistanie individuals purchasing gas stations, grocery stores, real estate, fast food franchise, etc., etc.
First lets look at the commercial real estate market and I'll tie this in with the foreign businesses owners.
FACT! Almost every corporation was using FAKE numbers for profits over the last few years! They were using what I've coined - "Expansion Profiting".
This is when a corporation or individual opens up a new location or a new business and they use a MORTGAGE to finance the business.
IMPORTANT NOTE - This was the major reason why my wife and I decided to pull our money out of the market back in Feb. 08!
Example:
Corporation or individual needs money to expand or start a business. Instead of leasing the property they decide to buy the property...WHY?????
Because they figured out a LOOP HOLE in the lending rules. They figured out with the help of Happy Go Lucky bankers that they could use the building as collateral and finance the entire business, building and working capitol into the mortgage.
We've started to see several corporation starting to pull back and closing stores left and right all across the country.
I noticed that this would be a problem when I started seeing the same type of franchise within a few miles of each other. Normally franchises offer a 5 mile radius to guarantee a good volume of business to a certain location. But after they started using this loop hole they didn't care about the 5 mile radius.
I have several associates that were put out of business by the same franchise that they bought into. Not to mention names but they have so, so sandwiches!
I must admit that even though I consider myself pretty smart "LOL" I really didn't figure this out until I started questioning my Arab and Indian friends about how they got the money to purchase certain businesses that I knew would cost thousands of dollars.
A good friend of mine from India purchased a BP gas station for $1,5 million dollars. Before that he owned a small Dollar Store.
For this loop hole to work you need two ingredients.
1) You need to know the loan officer. There were a few banks that the loan officer would allow individuals to refer their friends and that was as good as good credit.
2) You need a cash flow based business. Fast food, auto repair, gas station, grocery store, etc.
YES - many of these loans have went bad also! Many of these individuals were able to walk away from the business and not have any marks on their credit report due to the business being incorporated.
If you think that was great info - wait for my next update! You haven't seen nothing yet. I'm talking about MONEY, MONEY, MONEY!!!
Us African Americans need to do our homework!!!!! This SECRET is so incredible I need a few days or maybe a week to decide if I really want to reveal it.
If I reveal it I will probably lose some close Multi Millionaire friends of mine!
To sum it up...these corporations and individuals are having a hard time making the payments for the loans they took out.
The market will determine if this shoe will drop lightly or hard!
This Needs To Happen:
1) they need to refinance their debt at lower interest rates.
2) they need the consumer market to start buying again.
3) they need to hold or halt expansion.
4) they need to repay the debt.
My business offers me a unique view at the mortgage and banking industry. About 5 years ago I noticed hundreds of Arab and Indian/Pakistanie individuals purchasing gas stations, grocery stores, real estate, fast food franchise, etc., etc.
First lets look at the commercial real estate market and I'll tie this in with the foreign businesses owners.
FACT! Almost every corporation was using FAKE numbers for profits over the last few years! They were using what I've coined - "Expansion Profiting".
This is when a corporation or individual opens up a new location or a new business and they use a MORTGAGE to finance the business.
IMPORTANT NOTE - This was the major reason why my wife and I decided to pull our money out of the market back in Feb. 08!
Example:
Corporation or individual needs money to expand or start a business. Instead of leasing the property they decide to buy the property...WHY?????
Because they figured out a LOOP HOLE in the lending rules. They figured out with the help of Happy Go Lucky bankers that they could use the building as collateral and finance the entire business, building and working capitol into the mortgage.
We've started to see several corporation starting to pull back and closing stores left and right all across the country.
I noticed that this would be a problem when I started seeing the same type of franchise within a few miles of each other. Normally franchises offer a 5 mile radius to guarantee a good volume of business to a certain location. But after they started using this loop hole they didn't care about the 5 mile radius.
I have several associates that were put out of business by the same franchise that they bought into. Not to mention names but they have so, so sandwiches!
I must admit that even though I consider myself pretty smart "LOL" I really didn't figure this out until I started questioning my Arab and Indian friends about how they got the money to purchase certain businesses that I knew would cost thousands of dollars.
A good friend of mine from India purchased a BP gas station for $1,5 million dollars. Before that he owned a small Dollar Store.
For this loop hole to work you need two ingredients.
1) You need to know the loan officer. There were a few banks that the loan officer would allow individuals to refer their friends and that was as good as good credit.
2) You need a cash flow based business. Fast food, auto repair, gas station, grocery store, etc.
YES - many of these loans have went bad also! Many of these individuals were able to walk away from the business and not have any marks on their credit report due to the business being incorporated.
If you think that was great info - wait for my next update! You haven't seen nothing yet. I'm talking about MONEY, MONEY, MONEY!!!
Us African Americans need to do our homework!!!!! This SECRET is so incredible I need a few days or maybe a week to decide if I really want to reveal it.
If I reveal it I will probably lose some close Multi Millionaire friends of mine!
To sum it up...these corporations and individuals are having a hard time making the payments for the loans they took out.
The market will determine if this shoe will drop lightly or hard!
This Needs To Happen:
1) they need to refinance their debt at lower interest rates.
2) they need the consumer market to start buying again.
3) they need to hold or halt expansion.
4) they need to repay the debt.
60 Minutes Got It Right!
On the TV News show 60 Minutes 10-26-08. They showed how corporations and stock market insiders have been betting on various financial instruments to fail.
These types of bets are called 'derivatives'! These were actually made illegal before the Great Depression. These types of investments don't workout because there isn't enough money to payoff the bets.
In a normal betting situation someone would have to bet for and against. You would have money placed on both sides.
In the 'derivative' market, a bank could loan money to an individual and bet against them staying in business.
Example:
*Bank loans company A $500,000
*Bank buy a 'derivative' for $1,000,000 (1 million dollars) against company A making it for only $1,500 or even less depending upon the other bets they have placed.
*The bank WINS either way. But they WIN bigger and SOONER if the business fails.
These types of bets are called 'derivatives'! These were actually made illegal before the Great Depression. These types of investments don't workout because there isn't enough money to payoff the bets.
In a normal betting situation someone would have to bet for and against. You would have money placed on both sides.
In the 'derivative' market, a bank could loan money to an individual and bet against them staying in business.
Example:
*Bank loans company A $500,000
*Bank buy a 'derivative' for $1,000,000 (1 million dollars) against company A making it for only $1,500 or even less depending upon the other bets they have placed.
*The bank WINS either way. But they WIN bigger and SOONER if the business fails.
Tuesday, October 21, 2008
Earn $1,000,000 in just a few months?
O'boy...here they come. Over the last few weeks I've been getting chain letters explaining how I can make a million dollars by just sending $5 to the 5 names on the list and taking off the name of the person at the top and adding my name and address at the bottom and sending it to 100 people.
I've gotten over 25 letters from various individuals that have fallen for the scam!
Another post card I've been getting is the Famous Gifting post card that making its way across the country. They have taken it to a whole new level with addition of a website and the adding of video to the website.
They are tempting people that are struggling with videos of them opening envelopes with $500 to $1,000 inside of them.
Let me help you right now before you fall for the scams and lose your hard earned money.
They don't work and they are highly illegal!!!!!!
#1 - if you send money without an exchange of product through the mail you will be subject to mail fraud. These individuals try to get away with this by adding the following items with the money!
*a magazine
*a letter saying its a gift!
*a receipe
*a ebook
Everyone involved in these types of scams will be subject to US Mail fraud charges eventually. They always catch up to them when they get comfortable.
There are ways to make easy money, but I've learned that if you find a way to make easy money, it will take a lot of brain power to make it continue to work.
This is where most people fail. Its very easy to physically work on something with your hands but when it comes to using your brain power its becomes almost impossible for most.
You'll never be able to use your labor to get ahead in life, you must figure out a way to use your brain to have other people/technology to do your labor.
Until next time...
Steven
I've gotten over 25 letters from various individuals that have fallen for the scam!
Another post card I've been getting is the Famous Gifting post card that making its way across the country. They have taken it to a whole new level with addition of a website and the adding of video to the website.
They are tempting people that are struggling with videos of them opening envelopes with $500 to $1,000 inside of them.
Let me help you right now before you fall for the scams and lose your hard earned money.
They don't work and they are highly illegal!!!!!!
#1 - if you send money without an exchange of product through the mail you will be subject to mail fraud. These individuals try to get away with this by adding the following items with the money!
*a magazine
*a letter saying its a gift!
*a receipe
*a ebook
Everyone involved in these types of scams will be subject to US Mail fraud charges eventually. They always catch up to them when they get comfortable.
There are ways to make easy money, but I've learned that if you find a way to make easy money, it will take a lot of brain power to make it continue to work.
This is where most people fail. Its very easy to physically work on something with your hands but when it comes to using your brain power its becomes almost impossible for most.
You'll never be able to use your labor to get ahead in life, you must figure out a way to use your brain to have other people/technology to do your labor.
Until next time...
Steven
Monday, October 20, 2008
Who's really conservative?
I was just watching the 5:30pm national news and they laid out the differences between Obama's tax plan and McCain's tax plan.
Before I talk about the differences I'm very disappointed in the so called talk radio host such as Dave "I filed bankruptcy but you shouldn't file" Ramsey making statements that Obama is a socialist!
For a man that touts paying your debts, he needs to do his homework about who's a socialist!
We have reached a point in America where we need to pay our bills and not leave this mess for our children and grandchildren to pay off.
Under Obama's plan our national debt will rise by $3.5 trillion dollars.
Under McCain's plan our national debt will rise by $5.5 trillion dollars.
Under Obama's plan we will actually start a pay as we go formula and this will allow us to actually start pay down our debt as new revenue streams start to evolve. And they will evolve regardless who is the president.
I use to co-sign to the trickle down economic theory, and after very deep thought it honestly doesn't work.
I personally know 14 multi millionaires and some might consider me one, but they / we don't really run our businesses they way it's explained on the news reports.
No one wants to pay taxes and we all want to pay less taxes, but if you think that business people base their business on what they will pay in taxes I have a bridge in the dessert to sell you!
Let me give you one of my real life examples that I'm going through right now! In Feb. 08 I pulled all of my money out of the stock market and I decided to invest in real estate.
I paid a tax for taking the money out. On just one of my deals I will make $115,000 of that I will profit $75,000.
I will pay 15% capitol gains tax on the $75,000 which is $11,250 that leaves me $62,750 cash in my pocket. So I will have my initial $40,000 back + $62,750 in my pocket. That's $102,750!!!!!
For only a few months work.
Something they don't want you to know and its mainly because most people don't have the opportunity to make this type of money they usually win money or know someone that won money and they see the taxes taken out immediately.
There are several tax deductions that frankly rich people don't want you to know about. For example there is a loop hole that will allow me to place the $75,000 in a specific account and not pay the capitol gains at all!
There's also a loop hole that allows me to place all of my income in an account and pay no taxes at all.
A local car dealer a few years ago took alot of heat because he earned $1,000,000 YES 1 million dollars and paid no taxes on that money at all.
Do you think that the money trickles down? Ofcourse not. What we do is we try to make more money and we do that by expanding. But that has nothing to do with taxes that has to do with having a good product and services for the public.
There is a level of responsibility that we must adhere to! Years ago the state of Wisconsin prison system offered to print my weekly publication for about 40% of what I was paying. That's a 60% savings.
I didn't just think about the saving like most, I thought about the workers at the printing plant I was currently using. I thought about the owners of that plant and how they treated me with respect when my publication was a tiny 8 page magazine and how they continued to treat me with respect as my magazine grew to over 100 pages per week.
I'm curently profiting 70% so I could probably profit 90% if I was to use there services, but what would I be promoting?
*prison slavery - the same prisoners couldn't get the same opportunity to work for a printer after they exited prison.
I just couldn't do it, I have a conscious!
To sum it up...don't believe the hype that these so-called debt talk show host try to sell you because they don't want to see a president that looks different than them.
Don't believe the hype about how rich people decide to invest in the market.
Don't forget to share your stories about debt.
visit http://www.therealdebtsolution.com
Before I talk about the differences I'm very disappointed in the so called talk radio host such as Dave "I filed bankruptcy but you shouldn't file" Ramsey making statements that Obama is a socialist!
For a man that touts paying your debts, he needs to do his homework about who's a socialist!
We have reached a point in America where we need to pay our bills and not leave this mess for our children and grandchildren to pay off.
Under Obama's plan our national debt will rise by $3.5 trillion dollars.
Under McCain's plan our national debt will rise by $5.5 trillion dollars.
Under Obama's plan we will actually start a pay as we go formula and this will allow us to actually start pay down our debt as new revenue streams start to evolve. And they will evolve regardless who is the president.
I use to co-sign to the trickle down economic theory, and after very deep thought it honestly doesn't work.
I personally know 14 multi millionaires and some might consider me one, but they / we don't really run our businesses they way it's explained on the news reports.
No one wants to pay taxes and we all want to pay less taxes, but if you think that business people base their business on what they will pay in taxes I have a bridge in the dessert to sell you!
Let me give you one of my real life examples that I'm going through right now! In Feb. 08 I pulled all of my money out of the stock market and I decided to invest in real estate.
I paid a tax for taking the money out. On just one of my deals I will make $115,000 of that I will profit $75,000.
I will pay 15% capitol gains tax on the $75,000 which is $11,250 that leaves me $62,750 cash in my pocket. So I will have my initial $40,000 back + $62,750 in my pocket. That's $102,750!!!!!
For only a few months work.
Something they don't want you to know and its mainly because most people don't have the opportunity to make this type of money they usually win money or know someone that won money and they see the taxes taken out immediately.
There are several tax deductions that frankly rich people don't want you to know about. For example there is a loop hole that will allow me to place the $75,000 in a specific account and not pay the capitol gains at all!
There's also a loop hole that allows me to place all of my income in an account and pay no taxes at all.
A local car dealer a few years ago took alot of heat because he earned $1,000,000 YES 1 million dollars and paid no taxes on that money at all.
Do you think that the money trickles down? Ofcourse not. What we do is we try to make more money and we do that by expanding. But that has nothing to do with taxes that has to do with having a good product and services for the public.
There is a level of responsibility that we must adhere to! Years ago the state of Wisconsin prison system offered to print my weekly publication for about 40% of what I was paying. That's a 60% savings.
I didn't just think about the saving like most, I thought about the workers at the printing plant I was currently using. I thought about the owners of that plant and how they treated me with respect when my publication was a tiny 8 page magazine and how they continued to treat me with respect as my magazine grew to over 100 pages per week.
I'm curently profiting 70% so I could probably profit 90% if I was to use there services, but what would I be promoting?
*prison slavery - the same prisoners couldn't get the same opportunity to work for a printer after they exited prison.
I just couldn't do it, I have a conscious!
To sum it up...don't believe the hype that these so-called debt talk show host try to sell you because they don't want to see a president that looks different than them.
Don't believe the hype about how rich people decide to invest in the market.
Don't forget to share your stories about debt.
visit http://www.therealdebtsolution.com
Thursday, October 16, 2008
For Immediate Release...Many Americans Will Not Live Through the Present Financial Crisis
FOR IMMEDIATE RELEASE:
Contact: Lisa Stevens
The Real Debt Solutions, Inc.
Tel: 262-745-6879
Fax: 262-364-3445
Email: lisastevens@therealdebtsolutions.com
www.therealdebtsolutions.com
Many Americans Will Not Live Through the Present Financial Crisis
KENOSHA, Wis - As the financial crisis on Wall Street shakes stock markets across the planet, it is causing an earthquake here at home. With a force greater than Hurricane Katrina, the current financial crisis is forcing middle-class families everywhere into poverty–and there is no end in sight. Not since September 11th have we been faced with a greater threat to our security, but without a leader to guide us many have lost all hope. As homes move into foreclosure and lifetimes of savings vanish, many are matching the cruelty of the market with cruelty to themselves, committing suicide or murder because they no longer understand their lives and have completely given up.
Here are the facts:
• Company Layoffs are at all time high
• 89% of Americans no longer have confidence in U.S. Economy
• Stocks are down 33% since their all time high 1 year ago
• Local Unemployment is up to 11.5% in some large cities
• Divorce Rates are at an all time high due to finances
• People are committing horrible acts of violence due to their debt problems
• Americans don't believe their political officials care about their financial situation
• Families are afraid of what's around the corner
Steven Williams, the founder and chairman of The Real Debt Solutions, Inc., has been appearing on radio and television to remind Americans that we are now involved in the most difficult struggle of our lifetimes. His forthcoming book, The New Slavery...Debt Crisis in America, tells the story of how the recent financial crisis is destroying American families and how its negative effects have been greater than any natural disaster or act of terrorism.
In the early nineties, Steven Williams and his wife had a successful business, but they were overwhelmed with credit card debt. After some tough talks, Steven and his wife started paying for everything except their home with cash. It was difficult at first, but within a few years they were able to overcome their debt, pay off their credit card bills, and begin saving.
Unfortunately, most Americans are far from debt free and their circumstances have become desperate. Many in the middle-class, and even some well-known celebrities, are deeply hurting because of their financial difficulties. But staying silent about financial problems while the economy collapses around us will only compound the stress that everyone in America is feeling. Besides the damage that terrible anxiety can cause to marital relationships and personal health, many recent suicides and murders have been a direct result of financial stresses.
Talking about your financial problems is the first step towards solving them. Steven William's forthcoming new book, The New Slavery...Debt Crisis in America, will help you understand the causes of your financial problems and point you toward the solutions to get you out of debt. Learn how other American families are struggling through the greatest crisis of our lifetimes, and when you're ready, share your story anonymously at www.therealdebtsolutions.com.
###
About Steven Williams
Steven Williams, the founder and chairman of The Real Debt Solutions, Inc., is a US Army Veteran whose forthcoming book, The New Slavery...Debt Crisis in America, will be released in January of 2009 and tell the story of how the recent financial crisis is destroying American families and how we can stop being stressed about the economy and get out of debt forever.
If you would like more information about his forthcoming book, The New Slavery...Debt Crisis in America, or to schedule an interview with Steven Williams, please contact Lisa Stevens at (262)745-6879 or via e-mail at lisastevens@therealdebtsolutions.com.
Contact: Lisa Stevens
The Real Debt Solutions, Inc.
Tel: 262-745-6879
Fax: 262-364-3445
Email: lisastevens@therealdebtsolutions.com
www.therealdebtsolutions.com
Many Americans Will Not Live Through the Present Financial Crisis
KENOSHA, Wis - As the financial crisis on Wall Street shakes stock markets across the planet, it is causing an earthquake here at home. With a force greater than Hurricane Katrina, the current financial crisis is forcing middle-class families everywhere into poverty–and there is no end in sight. Not since September 11th have we been faced with a greater threat to our security, but without a leader to guide us many have lost all hope. As homes move into foreclosure and lifetimes of savings vanish, many are matching the cruelty of the market with cruelty to themselves, committing suicide or murder because they no longer understand their lives and have completely given up.
Here are the facts:
• Company Layoffs are at all time high
• 89% of Americans no longer have confidence in U.S. Economy
• Stocks are down 33% since their all time high 1 year ago
• Local Unemployment is up to 11.5% in some large cities
• Divorce Rates are at an all time high due to finances
• People are committing horrible acts of violence due to their debt problems
• Americans don't believe their political officials care about their financial situation
• Families are afraid of what's around the corner
Steven Williams, the founder and chairman of The Real Debt Solutions, Inc., has been appearing on radio and television to remind Americans that we are now involved in the most difficult struggle of our lifetimes. His forthcoming book, The New Slavery...Debt Crisis in America, tells the story of how the recent financial crisis is destroying American families and how its negative effects have been greater than any natural disaster or act of terrorism.
In the early nineties, Steven Williams and his wife had a successful business, but they were overwhelmed with credit card debt. After some tough talks, Steven and his wife started paying for everything except their home with cash. It was difficult at first, but within a few years they were able to overcome their debt, pay off their credit card bills, and begin saving.
Unfortunately, most Americans are far from debt free and their circumstances have become desperate. Many in the middle-class, and even some well-known celebrities, are deeply hurting because of their financial difficulties. But staying silent about financial problems while the economy collapses around us will only compound the stress that everyone in America is feeling. Besides the damage that terrible anxiety can cause to marital relationships and personal health, many recent suicides and murders have been a direct result of financial stresses.
Talking about your financial problems is the first step towards solving them. Steven William's forthcoming new book, The New Slavery...Debt Crisis in America, will help you understand the causes of your financial problems and point you toward the solutions to get you out of debt. Learn how other American families are struggling through the greatest crisis of our lifetimes, and when you're ready, share your story anonymously at www.therealdebtsolutions.com.
###
About Steven Williams
Steven Williams, the founder and chairman of The Real Debt Solutions, Inc., is a US Army Veteran whose forthcoming book, The New Slavery...Debt Crisis in America, will be released in January of 2009 and tell the story of how the recent financial crisis is destroying American families and how we can stop being stressed about the economy and get out of debt forever.
If you would like more information about his forthcoming book, The New Slavery...Debt Crisis in America, or to schedule an interview with Steven Williams, please contact Lisa Stevens at (262)745-6879 or via e-mail at lisastevens@therealdebtsolutions.com.
Tuesday, October 14, 2008
Markets Rally - What they don't won't you to know!
Yesterday the market rallied over 950 pts. which by their standards erases 1/2 of last weeks losses.
But something they don't want you to know about is that doesn't mean your specific investment rebounded.
There were specific companies that made huge gains, but overall you gains were probably very small.
Eventhough I took all of my money out of the market in Feb. 08, I keep up with where the funds were heading.
Each day I thank God for allowing me to stand up to my broker and not listen to his advice.
Both of my mutual funds tanked more than 50%. They are invested in 1,000's of companies combined and they came back by a combined increase of $1.66 per share.
They have a long way to go but at least they seem to be coming back.
http://www.therealdebtsolution.com
But something they don't want you to know about is that doesn't mean your specific investment rebounded.
There were specific companies that made huge gains, but overall you gains were probably very small.
Eventhough I took all of my money out of the market in Feb. 08, I keep up with where the funds were heading.
Each day I thank God for allowing me to stand up to my broker and not listen to his advice.
Both of my mutual funds tanked more than 50%. They are invested in 1,000's of companies combined and they came back by a combined increase of $1.66 per share.
They have a long way to go but at least they seem to be coming back.
http://www.therealdebtsolution.com
Monday, October 13, 2008
What a F_ _ _ _ ing Christmas Present
Just released on a news report in my area (Wisconsin) GM said they will be closing the auto plant on December 23, 2008.
Wow! What a Christmas present for those workers.
http://www.therealdebtsolution.com
Wow! What a Christmas present for those workers.
http://www.therealdebtsolution.com
So much to say...
I've been very busy over the last week. People are truggling and they are doing what ever they can to survive or to end the stress of their financial problems.
My week started out with one of my delivery vans getting vandalized and robbed of its precious fuel. The theif didn't want to steal the gas the old fashion way with a water hose, they just poked a hole in my gas tank and let the gas pour out.
They it had more than they could carry so the fuel poured all over the ground after they left.
Later that day I was fueling up my car and I noticed an advertisment on the gas pump for a plasma donor center. I had a good laugh because they want to our money and our blood.
By the way all of the blood plasma centers in the inner city are for cosmetic companies. The plasma helps the makeup stick to your face. How do I know this? We'll I've done the marketing for several of these companies for more than 17 years. After I got to know the managers I just asked and they told me.
MONEY, MONEY AND MORE MONEY PROBLEMS...
The US markets are still suffering, but they are currently constructing a plan for all of the worlds central banks to agree to insure all loans made to each other.
I'm coming to a realization about our money. That realization is maybe not the answer you might expect me to have. If you've been reading my blog postings I've had some reservation about the US Dollar. I've been watching some online videos explaining that the US dollar and all currency that is not backed by gold or something is really not worth anything.
These videos have also been talking about how debt it used to enslave us and make us work like dogs to pay the loans back. But there is a major flaw with these opinions.
The flaw is the need for us humans to "GROW"! Even if we were back in the stone ages, we would have a need to invent and grow to live an easier life.
I think what has happened is on one hand we have the people with money. These people are at a level of knowledge that has them growing to keep power and on the other hand we have people that have no "Will" to succeed or achieve.
95% of us is in the middle. Struggling to either stay at our level, or advance or not to fall back. Believe it or not we need this struggle or we would cease to exist!
No my feeling about debt has not changed. I think that all of us can get ahead if we became debt free. Debt free allows you to own what you buy without just having an equity position.
We need money to survive, people who loan money need to make loans to survive. This is a game! Who will win? Up to know the lenders have been winning, but the lenders have also learned a valuable lesson.
They can't win if we lose! Look at this example: Lender loans you $1,000,000. Your money payment would be about $4,000 per month. The same lender loans $1,000,000 to your friend and their monthly payment is $4,000 also.
The banks has loaned out $2,000,000 and they are only making $8,000 per month back. Now I'm not including interest to keep this example simple.
The bank would have to wait over 20 years to get their money back from you and your friend. This is the formula banks use but they add their interest to make a profit. But they can't make much money doing things this way.
This was the old fashion system of lending. They would only lend to people who could afford it and they were willing to wait years before they turned a profit.
The new system or formula that banks and lenders are using is to sell your debt for a profit and attach all types of fees and insurance type products and services.
In other words they are more interested in selling you either another loan (re-finance), insurance to protect their loan, even though they make it like they are protecting your interest. If things go bad they charge you all types of fees. They love the individuals that pay all the time but they tend to always pay late.
The other secret profit center is the selling (or sharing) of our personal information with other companies. These companies are not always related to the type of business they are in.
For example I just purchase a Laser Shield alarm system for on of my properties. I received advertisments for a clothing company in the box my order came in, but know I'm also receiving mail (junk mail) from that company.
But the funny thing about it I'm already on the list of that company. I've purchased custom made dress shirts from them. So I'm receiving double the amount of junk mail from them.
You might be saying why don't the clothing company update their list which will show that I'm already on their list? There's a good reason why they won't.
Some companies participate in joint ventures, this is when a company will advertise for another and only get paid if their customer purchases something from that specific advertisement.
That's why you'll see "offer codes", "dept #'s" on an ad you receive.
I guess in a round about way, I'm telling you to get good at playing their game. Become more of a seller instead of a buyer.
see you next time...
Steve
PS I need to here your stories about how debt is or has affected your life. Please visit my website and share your story for my upcoming book.
http://www.therealdebtsolution.com
My week started out with one of my delivery vans getting vandalized and robbed of its precious fuel. The theif didn't want to steal the gas the old fashion way with a water hose, they just poked a hole in my gas tank and let the gas pour out.
They it had more than they could carry so the fuel poured all over the ground after they left.
Later that day I was fueling up my car and I noticed an advertisment on the gas pump for a plasma donor center. I had a good laugh because they want to our money and our blood.
By the way all of the blood plasma centers in the inner city are for cosmetic companies. The plasma helps the makeup stick to your face. How do I know this? We'll I've done the marketing for several of these companies for more than 17 years. After I got to know the managers I just asked and they told me.
MONEY, MONEY AND MORE MONEY PROBLEMS...
The US markets are still suffering, but they are currently constructing a plan for all of the worlds central banks to agree to insure all loans made to each other.
I'm coming to a realization about our money. That realization is maybe not the answer you might expect me to have. If you've been reading my blog postings I've had some reservation about the US Dollar. I've been watching some online videos explaining that the US dollar and all currency that is not backed by gold or something is really not worth anything.
These videos have also been talking about how debt it used to enslave us and make us work like dogs to pay the loans back. But there is a major flaw with these opinions.
The flaw is the need for us humans to "GROW"! Even if we were back in the stone ages, we would have a need to invent and grow to live an easier life.
I think what has happened is on one hand we have the people with money. These people are at a level of knowledge that has them growing to keep power and on the other hand we have people that have no "Will" to succeed or achieve.
95% of us is in the middle. Struggling to either stay at our level, or advance or not to fall back. Believe it or not we need this struggle or we would cease to exist!
No my feeling about debt has not changed. I think that all of us can get ahead if we became debt free. Debt free allows you to own what you buy without just having an equity position.
We need money to survive, people who loan money need to make loans to survive. This is a game! Who will win? Up to know the lenders have been winning, but the lenders have also learned a valuable lesson.
They can't win if we lose! Look at this example: Lender loans you $1,000,000. Your money payment would be about $4,000 per month. The same lender loans $1,000,000 to your friend and their monthly payment is $4,000 also.
The banks has loaned out $2,000,000 and they are only making $8,000 per month back. Now I'm not including interest to keep this example simple.
The bank would have to wait over 20 years to get their money back from you and your friend. This is the formula banks use but they add their interest to make a profit. But they can't make much money doing things this way.
This was the old fashion system of lending. They would only lend to people who could afford it and they were willing to wait years before they turned a profit.
The new system or formula that banks and lenders are using is to sell your debt for a profit and attach all types of fees and insurance type products and services.
In other words they are more interested in selling you either another loan (re-finance), insurance to protect their loan, even though they make it like they are protecting your interest. If things go bad they charge you all types of fees. They love the individuals that pay all the time but they tend to always pay late.
The other secret profit center is the selling (or sharing) of our personal information with other companies. These companies are not always related to the type of business they are in.
For example I just purchase a Laser Shield alarm system for on of my properties. I received advertisments for a clothing company in the box my order came in, but know I'm also receiving mail (junk mail) from that company.
But the funny thing about it I'm already on the list of that company. I've purchased custom made dress shirts from them. So I'm receiving double the amount of junk mail from them.
You might be saying why don't the clothing company update their list which will show that I'm already on their list? There's a good reason why they won't.
Some companies participate in joint ventures, this is when a company will advertise for another and only get paid if their customer purchases something from that specific advertisement.
That's why you'll see "offer codes", "dept #'s" on an ad you receive.
I guess in a round about way, I'm telling you to get good at playing their game. Become more of a seller instead of a buyer.
see you next time...
Steve
PS I need to here your stories about how debt is or has affected your life. Please visit my website and share your story for my upcoming book.
http://www.therealdebtsolution.com
Wednesday, October 01, 2008
No Bailout! Update
Thank God for the Jewish holiday! Due to a break in for observance of the Jewish holiday congress took a day off.
This day off gave everyone some time to see the market working its self out.
Gas prices went down - eventhough the speculative market beat on it going up.
No depression was declared. The assest of the companies in crisis were being sold off and they were being taken over by other companies.
The market is at work. I also took the liberty to call my US Senator Paul Ryan to express my opinion. I told him to vote NO for the bailout. I also sent him an email to make it clear.
I voted for him so I think he should listen.
Let the market do its job, lets have some guts and not pass on anymore debt to our children.
http://www.therealdebtsolution.com
This day off gave everyone some time to see the market working its self out.
Gas prices went down - eventhough the speculative market beat on it going up.
No depression was declared. The assest of the companies in crisis were being sold off and they were being taken over by other companies.
The market is at work. I also took the liberty to call my US Senator Paul Ryan to express my opinion. I told him to vote NO for the bailout. I also sent him an email to make it clear.
I voted for him so I think he should listen.
Let the market do its job, lets have some guts and not pass on anymore debt to our children.
http://www.therealdebtsolution.com
Monday, September 29, 2008
Debt Crisis in America Update 9-29-08
Oh No!!! No Bailout - so what!!!!! http://www.therealdebtsolution
Sunday, September 28, 2008
Please give me $700 Billion Dollars
Most Americans think that this was a joke, but it's 100% true. Secretary Paulson got on one knee infront of House Majority leader Nancy Polesi and begged for the $700 billion dollar bailout.
What in the hell is our country coming too?
Don't believe the hype! The bailout isn't over the subprime lending. It's 25% subprime lending, 50% commercial / development, 25% expected returns on investments.
These guys must think we are stupid. So why are we only hearing about the subprime lending. Because poor people don't have voices in this country.
When the bailout happens and it most certainly will. We're going to see a bunch of people getting paid off for their support.
First in line will be the media. They will get large sums of pay off money in advertising revenue.
Second in line will be the lobbyist. They will get paid for what they do best, which is to get congress to vote in their clients favor.
Third in line will be the retiring congressional official and their family members. They will be rewarded with high paying consulting jobs.
Fourth in line will be the companies that took the money. They will reward themselves with hefty bonuses and in a round about way they will think they deserve it because they would have saved their companies and guaranteed a profit. They will say to themselves and their shareholders "we said we would profit, we just didn't say exactly how we would".
We are about to become one of the most important decisions in our history. If the congress and the president allow this bailout to go through. They will lose all credibility in the world. Not because of the bailout, because of the way they have treated US Citizens. As if we have an open credit card account for rich people but when it comes to middle class and poor people their no help at all.
Steven A Williams
http://www.therealdebtsolution.com
What in the hell is our country coming too?
Don't believe the hype! The bailout isn't over the subprime lending. It's 25% subprime lending, 50% commercial / development, 25% expected returns on investments.
These guys must think we are stupid. So why are we only hearing about the subprime lending. Because poor people don't have voices in this country.
When the bailout happens and it most certainly will. We're going to see a bunch of people getting paid off for their support.
First in line will be the media. They will get large sums of pay off money in advertising revenue.
Second in line will be the lobbyist. They will get paid for what they do best, which is to get congress to vote in their clients favor.
Third in line will be the retiring congressional official and their family members. They will be rewarded with high paying consulting jobs.
Fourth in line will be the companies that took the money. They will reward themselves with hefty bonuses and in a round about way they will think they deserve it because they would have saved their companies and guaranteed a profit. They will say to themselves and their shareholders "we said we would profit, we just didn't say exactly how we would".
We are about to become one of the most important decisions in our history. If the congress and the president allow this bailout to go through. They will lose all credibility in the world. Not because of the bailout, because of the way they have treated US Citizens. As if we have an open credit card account for rich people but when it comes to middle class and poor people their no help at all.
Steven A Williams
http://www.therealdebtsolution.com
Friday, September 26, 2008
No Bailout!
Most people don't understand what the so called bailout really consist of.
We'll I'm going to explain it to you. You won't hear this in the news or from congress. You might think that the bailout is to cover the so called subprime loans made to lower income people.
That's a half truth. The truth is that 75% of the loans were made to middle to upper income homeowners and business commercial properties.
Know if they were to pay off all of the forclosed property and gave the properties back to the homeowners free and clear. The bailout would only add up to $160,000,000,000 that's $160 billion dollars.
So why do they want $700 billion dollars? They are trying to pay the investors there profits!!!!
That's totally wrong. As an investor and I am one, investing is a risk and there's no guarantee you'll make your money back or a profit on the money you invest.
As least if you're a regular investor like me.
So the government is offering to pay the bad debt for these companies/investors. They will be giving the banks the houses free and clear to resell on the market.
My solution #1: Pay off all of the bad debt, $160 billion. Give the home owners the properties back free and clear. To make it fair all the other homeowners that aren't in forclosure lower their mortgage loan to 5% interest.
Investors that were looking to make a profit. Too bad!!!! That's life.
My solution #2: Don't bailout anyone at all and let the market do it's thing.
We'll I'm going to explain it to you. You won't hear this in the news or from congress. You might think that the bailout is to cover the so called subprime loans made to lower income people.
That's a half truth. The truth is that 75% of the loans were made to middle to upper income homeowners and business commercial properties.
Know if they were to pay off all of the forclosed property and gave the properties back to the homeowners free and clear. The bailout would only add up to $160,000,000,000 that's $160 billion dollars.
So why do they want $700 billion dollars? They are trying to pay the investors there profits!!!!
That's totally wrong. As an investor and I am one, investing is a risk and there's no guarantee you'll make your money back or a profit on the money you invest.
As least if you're a regular investor like me.
So the government is offering to pay the bad debt for these companies/investors. They will be giving the banks the houses free and clear to resell on the market.
My solution #1: Pay off all of the bad debt, $160 billion. Give the home owners the properties back free and clear. To make it fair all the other homeowners that aren't in forclosure lower their mortgage loan to 5% interest.
Investors that were looking to make a profit. Too bad!!!! That's life.
My solution #2: Don't bailout anyone at all and let the market do it's thing.
Monday, September 22, 2008
DEBT CRISIS IN AMERICA - EXTREME MEASURES
Anxiety disorders, depression, alcoholism, suicide and homocide – these are just a few of the emotional problems creeping up in the wake of the economic crisis sweeping the country.
If you need proof of the toll it’s taking on Americans – look no further than the tragic story of Carlene Balderrama, Evon Pavey or Peter Bellington.
Carlene Balderrama, the 53-year old mother and wife from Taunton, Mass., fatally shot herself Tuesday just hours before her mortgage company was scheduled to auction her house off.
Police said she faxed a letter to the company saying that by the time they foreclosed on her house that day, she would be dead. Ironically, her body was still inside the house when interested buyers showed up at the auction around 5 p.m., according to Taunton police chief Raymond O'Berg.
Balderrama’s husband John said he had no clue about the financial crisis that had been tearing his wife apart. Source - ABC News.
Evon Pavey, a house wife of New Albany, Ohio that ended up in severe credit card debt. Upset about the financial situation she had placed her family in, she committed suicide by driving her blue Mercury Tracer into a lake. Source - Maxed Out by James D. Scurlock.
Peter Bellington of College Dale, Tennessee who studied psychology in college found himself in serious student loan debt, credit card debt and automobile debt. On May 20, 2002 Peter's parents informed him that they would not be able to help him with his debt anymore. After arguing with his parents Peter went upstairs, got a 9mm pistol and shot his father, mother and sister to death. He got life in prison. Source - Maxed Out by James D. Scurlock.
The actions of these individuals were extreme, but there are millions of Americans suffering from stress, mood swings, domestic violence, poor health and agonizing depression all stemming from the worries of dealing with the overwhelming effects of the current economic crisis. When people are pushed from all directions the world starts to close in on them and we often don't know how they will react until it's to late.
FREE Report #1 Murder, Suicide and Theft. Shocking stories of extreme decisions everyday people are making to deal with their debt problems.
FREE Report #2 Reveals Secrets that banks, finance companies, insurance agents and credit card companies don't want you to know about! Plus the only 3 Legitimate Techniques that you can use to become debt free in 1 year or less.
http://www.therealdebtsolution.com
If you need proof of the toll it’s taking on Americans – look no further than the tragic story of Carlene Balderrama, Evon Pavey or Peter Bellington.
Carlene Balderrama, the 53-year old mother and wife from Taunton, Mass., fatally shot herself Tuesday just hours before her mortgage company was scheduled to auction her house off.
Police said she faxed a letter to the company saying that by the time they foreclosed on her house that day, she would be dead. Ironically, her body was still inside the house when interested buyers showed up at the auction around 5 p.m., according to Taunton police chief Raymond O'Berg.
Balderrama’s husband John said he had no clue about the financial crisis that had been tearing his wife apart. Source - ABC News.
Evon Pavey, a house wife of New Albany, Ohio that ended up in severe credit card debt. Upset about the financial situation she had placed her family in, she committed suicide by driving her blue Mercury Tracer into a lake. Source - Maxed Out by James D. Scurlock.
Peter Bellington of College Dale, Tennessee who studied psychology in college found himself in serious student loan debt, credit card debt and automobile debt. On May 20, 2002 Peter's parents informed him that they would not be able to help him with his debt anymore. After arguing with his parents Peter went upstairs, got a 9mm pistol and shot his father, mother and sister to death. He got life in prison. Source - Maxed Out by James D. Scurlock.
The actions of these individuals were extreme, but there are millions of Americans suffering from stress, mood swings, domestic violence, poor health and agonizing depression all stemming from the worries of dealing with the overwhelming effects of the current economic crisis. When people are pushed from all directions the world starts to close in on them and we often don't know how they will react until it's to late.
FREE Report #1 Murder, Suicide and Theft. Shocking stories of extreme decisions everyday people are making to deal with their debt problems.
FREE Report #2 Reveals Secrets that banks, finance companies, insurance agents and credit card companies don't want you to know about! Plus the only 3 Legitimate Techniques that you can use to become debt free in 1 year or less.
http://www.therealdebtsolution.com
Do you trust the government?
I find it totally incredible that the government will be proposing a $700 Billion dollar bailout of banks, mortgage providers and investment companies that participated in bad business practices!
My wife and I have a technique that we use when evaluating statementsmade by government officials in the news.
US Treasury Secretary Paulson - we must purchase this bad debt from these companies because its detrimental to our economic stability.
Moderator - should the government be in the business of bailing outbad decision by lenders and investors?
Secretary Paulson - No. But this house of cards has been lining upfor some time and we must act and act fast to save our economy orthings will get really bad.
Moderator - why can't we just let the market play out.
Secretary Paulson - because these companies are too interconnected and if we don't act fast it will be detrimental to our economy.
Ok!!!!!!!!!!!!!! Let me dry my eye's.
My questions to Secretary Paulson...
Steven - Mr Paulson if you wish to bailout these very smart lenders and investors with our tax payer money. Will you please forward ourstock certificates ASAP.
Mr. Paulson - but they're my friends
Steven - Mr Paulson why would you use our hard earned tax payer money to bailout what you call a house of cards waiting to collapse? Should you be asking for court actions?
Mr. Paulson - but they're my friends
Steven - Mr Paulson seriously if us tax payers buy the bad debt shouldn't we own the realestate that are attached to those debts?
Mr. Paulson - ??????????????????
Steven - Mr. Paulson how about this can we give those Americans there homes back free and clear? Intead of paying off the bad debtand giving the banks the homes also?
Mr Paulson - they're in the business of making loans and sellinghomes.
Steven - Mr. Paulson they haven't been doing a good job haven't they.
Alright enough of that....Seriously Secretary Paulson is proposingthat us tax payers buy the bad debt and let the banks / investors keep the properties or place them in the position to buy it backat a discount.
Also another non reported issue I have is 99% of these mortgages had mortgage insurance on them. That means if the homeowner walked alway or stopped making payments the banks got their money from the insurer, guess who the insurer is????? AIG!!!!!
The problem isn't that the banks didn't get their money, the problemis AIG is running out of money to pay the insurance that was paidby these homeowners.
Another big problem...if the bank takes the house back and makes a claim to their insurer AIG and gets their moneyback. Why do theyget to keep and resell the house again?
THIS IS A SCAM ON THE US TAX PAYERS!!!!!!!!!!!
You need to fight back by getting out of debt and saving your ownmoney for you and your families needs.
Pay off all of your bills in 1 year or less!
http://www.therealdebtsolution.com
My wife and I have a technique that we use when evaluating statementsmade by government officials in the news.
US Treasury Secretary Paulson - we must purchase this bad debt from these companies because its detrimental to our economic stability.
Moderator - should the government be in the business of bailing outbad decision by lenders and investors?
Secretary Paulson - No. But this house of cards has been lining upfor some time and we must act and act fast to save our economy orthings will get really bad.
Moderator - why can't we just let the market play out.
Secretary Paulson - because these companies are too interconnected and if we don't act fast it will be detrimental to our economy.
Ok!!!!!!!!!!!!!! Let me dry my eye's.
My questions to Secretary Paulson...
Steven - Mr Paulson if you wish to bailout these very smart lenders and investors with our tax payer money. Will you please forward ourstock certificates ASAP.
Mr. Paulson - but they're my friends
Steven - Mr Paulson why would you use our hard earned tax payer money to bailout what you call a house of cards waiting to collapse? Should you be asking for court actions?
Mr. Paulson - but they're my friends
Steven - Mr Paulson seriously if us tax payers buy the bad debt shouldn't we own the realestate that are attached to those debts?
Mr. Paulson - ??????????????????
Steven - Mr. Paulson how about this can we give those Americans there homes back free and clear? Intead of paying off the bad debtand giving the banks the homes also?
Mr Paulson - they're in the business of making loans and sellinghomes.
Steven - Mr. Paulson they haven't been doing a good job haven't they.
Alright enough of that....Seriously Secretary Paulson is proposingthat us tax payers buy the bad debt and let the banks / investors keep the properties or place them in the position to buy it backat a discount.
Also another non reported issue I have is 99% of these mortgages had mortgage insurance on them. That means if the homeowner walked alway or stopped making payments the banks got their money from the insurer, guess who the insurer is????? AIG!!!!!
The problem isn't that the banks didn't get their money, the problemis AIG is running out of money to pay the insurance that was paidby these homeowners.
Another big problem...if the bank takes the house back and makes a claim to their insurer AIG and gets their moneyback. Why do theyget to keep and resell the house again?
THIS IS A SCAM ON THE US TAX PAYERS!!!!!!!!!!!
You need to fight back by getting out of debt and saving your ownmoney for you and your families needs.
Pay off all of your bills in 1 year or less!
http://www.therealdebtsolution.com
25 Banks and Savings & Loans Closed Up
From the desk of Steven A Williams - The Real Debt Solution,
Hard economic times are not over. As of Sept. 3, 2008 over 25 banksand savings and loans have failed. They have all been taken overby the Non-govermental private Federal Reserve.
As of right now!!!! There are over 25,000,000 people with what'scalled Pay-Option-Arm-Loans. These are loans that give you an option to pay a minimum payment, interest only payment or a full payment.
The problem is that most of the people with these types of loans couldn't really afford the real Principle and Interest payment.So they made the Minimum payment. Which didn't even cover the minimum interest payment of the loan.
In essence they were going deeper into debt every month. My bankcontacts have told me that some of these loans will adjust soonand they expect people to just walk away from their homes and thatthey are already doing it in California, Florida, Texas, Nevada,and New York!
My sources tell me that some of the payments of the families thathave this type of loan will go from $2,500 a month to $5,000 or more per month. NO JOKE!!!!
My advice to you and anyone that is in debt is to get out of debtor hold very little debt. Not more than 10% to 15% of your grossincome.
No credit card debt and no automobile debt.
For more times please email me or visit my website at:http://www.therealdebtsolution.com
Hard economic times are not over. As of Sept. 3, 2008 over 25 banksand savings and loans have failed. They have all been taken overby the Non-govermental private Federal Reserve.
As of right now!!!! There are over 25,000,000 people with what'scalled Pay-Option-Arm-Loans. These are loans that give you an option to pay a minimum payment, interest only payment or a full payment.
The problem is that most of the people with these types of loans couldn't really afford the real Principle and Interest payment.So they made the Minimum payment. Which didn't even cover the minimum interest payment of the loan.
In essence they were going deeper into debt every month. My bankcontacts have told me that some of these loans will adjust soonand they expect people to just walk away from their homes and thatthey are already doing it in California, Florida, Texas, Nevada,and New York!
My sources tell me that some of the payments of the families thathave this type of loan will go from $2,500 a month to $5,000 or more per month. NO JOKE!!!!
My advice to you and anyone that is in debt is to get out of debtor hold very little debt. Not more than 10% to 15% of your grossincome.
No credit card debt and no automobile debt.
For more times please email me or visit my website at:http://www.therealdebtsolution.com
Wednesday, April 30, 2008
3 things you can do right now
Over the last few years I've been stopped by several people asking me what I do for a living and how can they do what I do?
After some deep thinking I decided to put together a website to help me explain what I believe everyone should know if they were looking to become successful in business or their personal life.
It comes down to learning "3 Things" http://www.3thingsicandonow.com
I'm amazed at how many people don't know or understand these "3 Things" http://www.3thingsicandonow.com but that would explain why 5% of American's control 95% of the money, property and wealth in America.
Everyone that has become successful has learned the "3 Things" http://www.3thingsicandonow.com either consciously or subconsciously. These "3 Things" are so important I've decided to give the information away for FREE just visit my website at http://www.3thingsicandonow.com
Steven A Williams, Ch, NGH
The Next Vision Corporation
http://www.3thingsicandonow.com
After some deep thinking I decided to put together a website to help me explain what I believe everyone should know if they were looking to become successful in business or their personal life.
It comes down to learning "3 Things" http://www.3thingsicandonow.com
I'm amazed at how many people don't know or understand these "3 Things" http://www.3thingsicandonow.com but that would explain why 5% of American's control 95% of the money, property and wealth in America.
Everyone that has become successful has learned the "3 Things" http://www.3thingsicandonow.com either consciously or subconsciously. These "3 Things" are so important I've decided to give the information away for FREE just visit my website at http://www.3thingsicandonow.com
Steven A Williams, Ch, NGH
The Next Vision Corporation
http://www.3thingsicandonow.com
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