Several credit card companies including Advanta Mastercard have been canceling consumer credit card accounts of their so called 'Deadbeat Clients'.
But you might be surprised who they consider a 'Deadbeat Client'. They consider a 'Deadbeat Client' a card holder that pays off their credit card bill in full each month.
Surprised? So if you're the type of person that pays off your credit card bill each month you might be canceled without notice at anytime.
I don't care if they do this but they should save people embarrasment by calling them immediately when they make such a decision.
Sunday, May 03, 2009
Saturday, March 28, 2009
Tuesday, March 24, 2009
The Ugly Side Of Having Money!
Class warfare is about to peak in the United States and it really doesn't have anything to do with what everyone thinks it has to do with money. Well money plays a big part, but it really comes done to the Mindset of the individual without lots of money.
You see people that don't have a lot of money can't imagine having a lot of money. They can imagine spending a lot of money, but they don't have a real life concept of having lots of money.
People with lots of money have a different mindset about money. They can imagine lots of money, they can imagine making lots of money and they have a real life concept of what it takes to make a lot of money.
The person without lots of money has a mindset of exchanging time/hours for money. The person with a lot of money has a mindset of exchanging ideas/hours for money.
Here's the people between the two Mindsets. The person that exchanges time/hours for money can only earn money 1 way. The person that exchanges ideas/hours for money can earn money from a variety of sources.
I don't want to add more fuel to the fire, so I would like to start offering solutions. I think the first thing a person that trades time/hours for money must do it gain a new relationship with money. They must learn how money works. They must learn to respect money and what it can and can't do!
This isn't easy because we have all been taught to just earn money and spend it. So the solution that has worked for me and others has been to learn how money works and to learn how money works one must first control their debt.
For more information about how to do that please visit: www.therealdebtsolution.com
You see people that don't have a lot of money can't imagine having a lot of money. They can imagine spending a lot of money, but they don't have a real life concept of having lots of money.
People with lots of money have a different mindset about money. They can imagine lots of money, they can imagine making lots of money and they have a real life concept of what it takes to make a lot of money.
The person without lots of money has a mindset of exchanging time/hours for money. The person with a lot of money has a mindset of exchanging ideas/hours for money.
Here's the people between the two Mindsets. The person that exchanges time/hours for money can only earn money 1 way. The person that exchanges ideas/hours for money can earn money from a variety of sources.
I don't want to add more fuel to the fire, so I would like to start offering solutions. I think the first thing a person that trades time/hours for money must do it gain a new relationship with money. They must learn how money works. They must learn to respect money and what it can and can't do!
This isn't easy because we have all been taught to just earn money and spend it. So the solution that has worked for me and others has been to learn how money works and to learn how money works one must first control their debt.
For more information about how to do that please visit: www.therealdebtsolution.com
Friday, March 06, 2009
BS, BS, BS Stock Market!
The scam is on again. Today March 6, 2009 the stock market actually went up after the reports that unemployment is the worst in over 50 years.
They stated that we are reaching numbers that were unthinkable.
But just 3 weeks ago the stock market went down and it was credited to the announcement of January 2009 unemployment numbers. More people were employed in Jan. than now in March.
I so glad I pulled every dime of my money out of the market back in Feb. of 08. My stock broker said it would be the worst thing to do, but I had a feeling that the market was full of shit to be honest.
I'm not going to pretend that I was some genius and that I knew that the market would crash this far down. I just had a bad feeling that the market was being controlled by other forces than the real production of goods and services.
My advice is to pay off your debt and invest in starting a small service type business or real estate if you have cash, no financing of properties.
If you need help getting out of debt you can visit my website:
http://www.therealdebtsolution.com
They stated that we are reaching numbers that were unthinkable.
But just 3 weeks ago the stock market went down and it was credited to the announcement of January 2009 unemployment numbers. More people were employed in Jan. than now in March.
I so glad I pulled every dime of my money out of the market back in Feb. of 08. My stock broker said it would be the worst thing to do, but I had a feeling that the market was full of shit to be honest.
I'm not going to pretend that I was some genius and that I knew that the market would crash this far down. I just had a bad feeling that the market was being controlled by other forces than the real production of goods and services.
My advice is to pay off your debt and invest in starting a small service type business or real estate if you have cash, no financing of properties.
If you need help getting out of debt you can visit my website:
http://www.therealdebtsolution.com
11% Of American's In Forclosure
In today's news (March 6, 2009) it was reported that 11% of American's were either in foreclosure or at least 3 to 4 months behind on the mortgage payments.
It seems that banks haven't learned anything from the past 6 months. As rates adjust we see more families falling behind on their mortgage payments.
Yes some families have over spent and they should lose their house and start over with the lessons learned from their over spending.
What should a family do that finds themselves in the 11%.
1) They should honestly sit down and take a deep breath and figure out if they are in trouble due to over spending. If they are in trouble due to a job loss they must start preparing to make a move to a more affordable house.
2) They must stop using all credit including credit cards. They must figure out a budget and start to live within their means.
3) They must start to figure out how to bring in extra money. This is an important key that will determine how fast they will rebound from their financial fall.
4) They must always remember the past and move forward with a positive mindset. People that have a positive mindset even when things are going against them will ultimately win because of they will start to attract positive people, things and situations into their lives.
5) Begin to dream again! Remember if a person has had any type of financial or personal downfall, it will be very important for them to start dreaming about how they would like their life to be after they rebounded. They must dream about their new house, new car, paying cash instead of using credit, saving money instead of over spending, etc., etc.
Never panic tomorrow is always a better day. There is no situation or circumstances that a person can't rebound from using these principles.
It seems that banks haven't learned anything from the past 6 months. As rates adjust we see more families falling behind on their mortgage payments.
Yes some families have over spent and they should lose their house and start over with the lessons learned from their over spending.
What should a family do that finds themselves in the 11%.
1) They should honestly sit down and take a deep breath and figure out if they are in trouble due to over spending. If they are in trouble due to a job loss they must start preparing to make a move to a more affordable house.
2) They must stop using all credit including credit cards. They must figure out a budget and start to live within their means.
3) They must start to figure out how to bring in extra money. This is an important key that will determine how fast they will rebound from their financial fall.
4) They must always remember the past and move forward with a positive mindset. People that have a positive mindset even when things are going against them will ultimately win because of they will start to attract positive people, things and situations into their lives.
5) Begin to dream again! Remember if a person has had any type of financial or personal downfall, it will be very important for them to start dreaming about how they would like their life to be after they rebounded. They must dream about their new house, new car, paying cash instead of using credit, saving money instead of over spending, etc., etc.
Never panic tomorrow is always a better day. There is no situation or circumstances that a person can't rebound from using these principles.
Friday, January 30, 2009
Monday, January 26, 2009
More Layoffs, Closings and Foreclosures
Well it seems like pain keeps getting worse!
As of today 1/26/09 Sprint / Nextel will be laying off upto 5,000 workers.
My opinion MIS-MANAGEMENT! This is an industry that I've seen grown and I've benefited greatly from as a businessman through advertising.
I had a stretch run over a few years where I made more than $200,000 just placing ads for Sprint through their co-op advertising programs.
From talking to executives and sales reps with the company I figured out that the only real expenses they had were customer service, maintenance of their towers and marketing.
They don't have to keep purchasing land line space to make more money. They basically just need to keep up their towers.
I don't know it just seems suspecious to me that they would lay off workers now when they are making money hand over fist for a service that doesn't cost them anymore money when they add a new phone line. The cost of the towers are the same if they only had 1 customer or 1,000,000 customers.
DHL GOING OUT OF BUSINESS in the United States. This is a very sad situation. I learned of the DHL problem from an associate that use to have all of his packages delivered by DHL.
I couldn't help but to feel for those workers that they showed on 60 Minutes last night. What can I say? Those workers are going to have to rebuild their lives.
LANDLORD ALERT!
If you are renting you need to be aware that your home my be in jeporady? I was just notified by one of my employees that his landlord wasn't paying the mortgage on the house he was renting.
He received a foreclosure notice from the bank. But a little bit of relief was also in the letter. They told him that they didn't want him to move. They wanted him to continue paying the rent to them.
WTF!!!!! Banks are getting into the landlord business!!!! This is not legal and I want an investigation immediately. Why? Because they might stop selling me properties for $2,000! Damn!!!!!
Really these are strange times and banks are going to have to work with people if they want to get paid.
Last thing, please make sure you check out my website for my 2 new manual releases...
http://www.therealdebtsolution.com
How To Pay Off Your Mortgage Faster - I've put together 17 different ways you can pay off your mortgage faster. This is not BS its real! I sat down and verified each method with a Certified Public Accountant that works for a Multi-Multi-Multi Million dollar multi state corporation.
Also...
How To Pay Off Your Credit Card Debt Faster - I talk about all the different opinions that are available to you and my solution for paying off all of your debt faster.
Remember if you have any questions please drop me an email and I'll do my best to answer. I get about 300 emails a day so it might take me a day or so to answer, but I promise I'll get to you.
http://www.therealdebtsolution.com
The Real Debt Solution
Until next time.
Steven A Williams
The Real Debt Solution.
As of today 1/26/09 Sprint / Nextel will be laying off upto 5,000 workers.
My opinion MIS-MANAGEMENT! This is an industry that I've seen grown and I've benefited greatly from as a businessman through advertising.
I had a stretch run over a few years where I made more than $200,000 just placing ads for Sprint through their co-op advertising programs.
From talking to executives and sales reps with the company I figured out that the only real expenses they had were customer service, maintenance of their towers and marketing.
They don't have to keep purchasing land line space to make more money. They basically just need to keep up their towers.
I don't know it just seems suspecious to me that they would lay off workers now when they are making money hand over fist for a service that doesn't cost them anymore money when they add a new phone line. The cost of the towers are the same if they only had 1 customer or 1,000,000 customers.
DHL GOING OUT OF BUSINESS in the United States. This is a very sad situation. I learned of the DHL problem from an associate that use to have all of his packages delivered by DHL.
I couldn't help but to feel for those workers that they showed on 60 Minutes last night. What can I say? Those workers are going to have to rebuild their lives.
LANDLORD ALERT!
If you are renting you need to be aware that your home my be in jeporady? I was just notified by one of my employees that his landlord wasn't paying the mortgage on the house he was renting.
He received a foreclosure notice from the bank. But a little bit of relief was also in the letter. They told him that they didn't want him to move. They wanted him to continue paying the rent to them.
WTF!!!!! Banks are getting into the landlord business!!!! This is not legal and I want an investigation immediately. Why? Because they might stop selling me properties for $2,000! Damn!!!!!
Really these are strange times and banks are going to have to work with people if they want to get paid.
Last thing, please make sure you check out my website for my 2 new manual releases...
http://www.therealdebtsolution.com
How To Pay Off Your Mortgage Faster - I've put together 17 different ways you can pay off your mortgage faster. This is not BS its real! I sat down and verified each method with a Certified Public Accountant that works for a Multi-Multi-Multi Million dollar multi state corporation.
Also...
How To Pay Off Your Credit Card Debt Faster - I talk about all the different opinions that are available to you and my solution for paying off all of your debt faster.
Remember if you have any questions please drop me an email and I'll do my best to answer. I get about 300 emails a day so it might take me a day or so to answer, but I promise I'll get to you.
http://www.therealdebtsolution.com
The Real Debt Solution
Until next time.
Steven A Williams
The Real Debt Solution.
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