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?????
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