Financial Education Services

FES Partners with South Florida Real Estate Firm's

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Tue, 09 Apr 2013 11:04:50 -0700

Financial Education Services (FES) is in the process of expanding in to the South Florida Market Place. With South Florida being a market that was devastated in the housing crisis there are a lot of people that are in need of a solution to help heal and take advantage of the current housing market.

The South Florida housing market had its strongest year in 2012 since the crash that started in 2006. In 2012 the market showed little slow progress of 1% increase in the real estate index every month. According to a keen article in the Miami Herald today by Douglas Hanks,

On average, the closely watched real estate index has increased 1 percent each month through November in 2012 for South Florida. If that trajectory continues, it would be February 2019 before the Case-Shiller South Florida index returns to the past peak set in May 2006. Values are off 48 percent since then, slightly better than the trough of a 51-percent drop set in November 2011.

In an effort to support consumers looking to get back in to stable homes and regain a since of community, FES has partnered with several Real Estate offices in South Florida including Berger Realty Group. Liz Berger, Broker/Owner said Partnering with Financial Education Services just seemed like a perfect fit. FES gives our customers that have already gone through the short sale process and now are stuggling with credit issues the opportunity to take advantage of today’s housing market.

Financial Education Services (FES) is currently on a major expansion across the country. FES currently has Regional offices in Michigan, California, Atlanta, Maryland DC, Utah and Las Vegas. It is projected that South Florida is the next target with anticipation of a Regional office opening in June or July on 2013.

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

Rebuilding Your Credit Score Requires Patience and Persistence

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Mon, 07 Nov 2011 20:36:30 -0800

Do you find yourself suddenly in the process of try to figure out how to rebuilding your credit score? In communities all across the country people have either lost their homes in foreclosure or had to apply for a loan modification. Banks required home owners to be behind on their mortgage before they would even consider a loan modification so many opted to miss a payment or two in order to get the banks attention.

To make matters worse many people have lost their jobs. What used to be dual income families are now single income homes and with so many people unable to find jobs the burden of keeping up with the bills has now fallen on the shoulders of one family member.

As a result families fell behind on other bills such as credit cards and other monthly obligations. Some families have even had to eliminate necessities such as medical insurance causing further financial distress with additional medical expenses. All of these things have devastated a lot of people’s credit scores. Does this sound familiar? Have these types of situations left you rebuilding your credit score?

Rebuilding Your Credit Score - A Family Matter

So how does someone begin to rebuild their credit score with all these financial hardships going on? As the job market begins to open up and people start to go back to work, in some cases for less income than what they were used to making, tough decisions have to be made. Families need to work together to take a close look at the situation and decide how they are going to work together to get through these tough economic times.

First things First when Rebuilding Your Credit Score

The first step to rebuilding your credit score is to get a clear understanding of what the situation is. Sit down together and put everything on the table. Who do you owe and what are able to pay right now? What shape are the credit reports in? I some cases it may require that one of the family members or both get a part time job to help make ends meet. Some things will all together have to be eliminated, like club memberships, the morning coffee on the way to work, the magazine subscription, maybe you have to start car pooling. The bottom line is you have to figure out how to cut cost in and outside of the home.

Once you have a clear understanding of where you are and have come with a plan to make ends meet, it’s time to start evaluating your credit profile. You may have to start paying down some debt to get your balances under control, you may have to try negotiating with some creditors for reduced pay offs, you will have to make sure that you are paying your bills on time. The thing to remember is that it is going to take some time so give yourself a break and just be diligent and follow through with your plan and most importantly, be patient.

Hiring a Professional to Help you with Rebuilding Your Credit Score

In some cases you may require the expertise of someone that can help you with developing a plan for repaying your debt and rebuild your credit score. Educating yourself on how credit works and what you can start to do to rebuild your credit is critical. Whether we like it or not, credit in today’s world is a must. The old saying “Cash is king” has been replaced with “Cash is king, but Credit is EVERYTHING!”

Click here to learn more about Rebuilding Your Credit Score

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

Financial Education Services Announces B2B Program

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Thu, 20 May 2010 11:14:28 -0700

May, 17, 2010 (Coral Springs, FL) – Financial Education Services has launched a new program to help business owners with credit challenged clients at the point of sale. Many business such as Auto Dealerships, Mortgage Companies, Real Estate Agencies, Placement Agencies and Insurance Companies, to name a few, have felt the impact of the recent down turn in the economy and the effects it has had on consumers credit and confidence. Many people today don't even try to make purchases because they fear being rejected due to current credit scoring requirements.

Here are some statistics on Credit Scores: Credit Scores range from 300-850, A 750 or above is the ideal range, The national average is around 680, 13% of the population is above 800, 15% is below 550 and 22 states have a score below the national average.

How the program works:

This program will allow for business owner to have their own online website business portal where they can enroll the clients and United Credit Education Services will process the client from that point forward. All the business needs to do is enter the clients info into the website along with payment information and and the business will receive up to a 33% commission on all clients entered. The business will be able to track the progress of the client through there online business office or by contacting the credit analyst. United Credit Education Services is owned and operated by Financial Education Services (FES).

Who is Financial Education Services (FES)?

Financial Education Services (FES) was founded in 2004 and is headquartered in Farmington, MI. Since 2004 Financial Education Services has generated over 50 million dollars in sales. They are a debt free company with close to 200 employees worldwide. Financial Education Services offers financial related products for consumers looking to protect themselves and their families both personally and financially. FES is the authorized marketing agent for FES and LawMart.com, Inc. ("LMI"). FES is exempt under the federal Credit Repair Organizations Act (15 U.S.C. §§1679, et seq.) and is not a credit repair organization. FES markets a variety of financial, educational and service products on its own behalf and also for LMI. All credit services purchased by a customer from a representative are performed by employees of FES.

Who is United Credit Education Services?

United Credit Education Services (UCES) is a premier Credit Education and Restoration Company. United Credit Education Services (UCES) has a documented track record of assisting over 160,000 clients since 2003 and deleting close to 500,000 inaccurate, obsolete and unverifiable negative items from consumers credit reports. UCES also has an exceptional rating with the Better Business Bureau.

FES also offers the FES Protection Plan which is a complete personal and financial protection program for consumers. The FES Protection Plan includes the following; The Positive Credit Builder, FES Debt Zero, FES Will and Trust and Identity Theft Protection offered through a partnership with LifeLock. These financial services can also be purchased individually.

For more information call 954-707-2932 or visit Financial Education Servcies B2B Program

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

Financial Education Services - FES Protection Plan

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Mon, 22 Mar 2010 09:22:20 -0700

Financial Education Services officially launched the FES Protection Plan on March 20, 2010. The FES Protection Plan is a all encompassing approach to help consumers become educated on Credit, Debt and Personal Protection. Consumers enrolled in the FES Protection Plan will have access to Credit Coaches as well as Financial Coaches that will assist them on anything related to Credit, Debt, Estate Planning and Taxation.

Many consumers today are suffering due to the current economic conditions in this country. Financial Education Services believes that this is in part due to financial illiteracy. The very basic things that support financial success for Americans were not taught in this country to many Americans in our school systems or at home.

To assure the success of the next generation Financial Education Services has launched the YFL (Youth Financial Literacy Foundation League) designed to help teach youth between the ages of 8 to 18 financial responsibility and discipline, so that they may be successful productive young adults, leading to life of financial literacy and success in later years. Youth that are involved in this program will go through a series on age appropriate training modules and once completed will be eligible for scholarship funding to continue there education in the field of there choice.

Here are the components that make up the FES Protection Plan.

Protect your Credit File with Positive Credit Builder!

Your Credit Score is the most important number in your financial life. Your Positive Credit Builder credit analysis document will provide the necessary tools to understand the credit scoring system and how it impacts your financial health and freedom.

Protect your identity with LifeLock!

As the leader in proactive identity theft protection, LifeLock takes proven steps to help prevent thieves from destroying your credit and good name – even if they get your information.

Protect Your Loved Ones Future with FES Will and Trust Plan!

Planning for life's uncertainties brings you and your family peace of mind. But a will alone is not enough. You also need a living trust, medical power of attorney, and financial power of attorney.

Protect your finances with FES DebtZero!

SAVE THOUSANDS with the most effective, most efficient debt pay off system available. Get out of debt easier than ever with a clear precise plan that is customized for you.

What is FES DebtZero?

FES DebtZero is a web-based debt acceleration program that provides individuals with personalized direction they need to accelerate the pay off time of all their debts and mortgage. FES DebtZero guarantees that if you follow your personalized instructions you will be 100% out of debt and mortgage free in less than half the time it takes the average person, making regular payments, while saving or gaining thousands of dollars in the process.

Can anybody qualify or use FES DebtZero? Is FES DebtZero right for me?

If you have a checking account, make more money than you spend and have debt that you want to pay off quickly then FES DebtZero will work for you.

How Does FES DebtZero Work?

1. Deposit Income

Deposit your income, as you normally would, into your standard checking account. It doesn't matter if you direct deposit or hand it to a teller. FES DebtZero is a web-based program that is used as a management tool like a navigation system for your finances. Provide the secure FES DebtZero system your financial overview and the system will offer step-by-step direction so you can properly apply optimal payments toward your debt. FES DebtZero directs you on the best quickly pay off your debt that is also conducive to wealth accumulation. The less money that you have to pay on interest, the more money you'll have growing in your account.

2. Follow Prompts

The program looks at your deposited funds, expected expenses, dates they are due, and safely reserves funds for any unexpected expenses. FES DebtZero then analyzes this information and generates monthly prompts that will provide precise directions for paying off 100% of your debt, without any alteration to your existing lifestyle. In other words, you will still be able to enjoy yourself while paying down your debt!

3. Pay Expenses

Continue to use your checking account to make payments to your monthly bills, as they become due. If you currently pay your bills using online bill pay you can continue to do so. You will also use your checking account for daily budgeted spending (i.e. gas, groceries, entertainment etc). Any money that you have not spent is left in your account to accumulate and then used to pay off your debts or mortgage.

For more information contact

Mark Bustamonte Regional Sales Director Financial Education Services 954-707-2932 Direct

Financial Education Services (FES) and FES Protection Plan

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

VR Tech announces name change to Financial Education Services

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Fri, 05 Mar 2010 12:19:16 -0800

Coral Springs, Florida (PRWEB) March 5, 2010 -- VR Tech Marketing Group, in order to better identify it mission, products and services, announced a name change to Financial Education Services (FES).

VR Tech Marketing Group, now Financial Education Services (FES) has been in successful operation for over 7 years. FES has worked with consumers since 2003 to help educate consumers about the importance of credit as well as providing resources to help consumers improve and maintain there credit rating.

Financial Education Services over the years has continued to build it's product line by adding products that enhance the credit restoration process. FES recognizes that the key to helping someone that has credit issues requires more then just deleting derogatory items from the credit report.

Some on the enhancements include the VR Tech Prepaid MasterCard as well as the UltraScore program. The prepaid MC offers an unsecured minimum line of credit that is acquired by applying a direct deposit from an employer to the consumers card. This ensures the repayment of the unsecured line as well as building good payment history.

UltraScore provides a comprehensive credit analysis for the consumer as well as an "Action Plan" to help the consumer understand all the components of there credit profile and what they need to do in order to maximize there credit in the most efficient manner.

Another major announcement that was made a the National Convention was the creation of the YFLF (Youth Financial Literacy Foundation) and the YFL (Youth Financial League) designed to help teach youth the importance of being financially literate. This program is geared toward youth ages between 8 to 18. This program will provide interactive web based teaching modules. Youth that complete the financial curriculum will be eligible for educational scholarships.

As well introduced was the launch of the FES Protection Plan. The FES Protection Plan is holistic approach to help consumers protect all areas of their finances and includes: Positive Credit Builder, Identity Theft Protection, Estate Planning, FES Debtzero.

FES Debtzero is a web based application that helps consumers to establish a clear and precise method of eliminating personal debt, secured or unsecured, in the most effective way. This tool will show the consumer how to repay there debt while creating discretionary income for savings.

Financial Education Services (FES) with it's long history of success as a company and very high valued products is positioning it self to be a major player in the revitalization of the economy by address the issue of financial illiteracy in communities all across the country.

For additional information about how you can on Financial Education Services (FES) please contact Mark Bustamonte at 954-707-2932 or visit https://www.myfinancialeducationservices.com.

About Financial Education Services (FES):

Mark Bustamonte is a Sales Director for Financial Education (FES) services and has been a member since 2003.

Contact Info

Mark Bustamonte, Sales Director Financial Education Services 954-707-2932 Financial Education Services

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

VR-Tech Marketing Group - Sub Based Credit Union

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Sat, 31 Oct 2009 14:25:22 -0700

On Wednesday October 7th, 2009 Mr. Mike Toloff and Parimal Naik Co-Founders of VR-Tech Marketing Group, LLC made a major announcement regarding the new business structure of VR-Tech. In the next 3 to 6 months VR-Tech Marketing Group, LLC will become a Sub Based Federal Credit Union. This will provide us full exemption at a Federal and State level with Regards to credit. All existing agents and new agents will have full access to resources of this employee owned Credit Union.

Other notable information on the call:

Continued and stable growth for over 7 years
1.4 million items deleted from consumer credit reports
Only 3% of the population has a Last Will and living Trust
$1.m dollars being deposited monthly in the Accountnow program
New move to 10K sq ft state-of-the-art facility

Mike also stated that one of our biggest accomplishments as a company is maintaining our A rating with the BBB.

To here the call in it's entirety click the link below:

VR-Tech Marketing Group - Conference call

Mark Bustamonte
Sales Director
VR-Tech Marketing Group
954-707-2932 Direct
www.vrtmg.com/mbustamonte

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

Credit Repair - A Case For

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Mon, 07 Sep 2009 15:47:04 -0700

Credit Repair is the process of restoring ones credit. The methods used to restore ones credit requires the application of several strategies. The first part involves the review of ones credit report for visible errors or mistakes, such as incorrect names listed on the reports, addresses that are incorrect, social security numbers or dates of birth that are incorrect, accounts that are listed incorrectly. These are just a few of the cursory checks that need to be made.

The 2nd part of the process involves the disputing of any negative information that is on the report whether known to be accurate or not. The reason for disputing ALL negative information is not to challenge the actual event, but to challenge the verification process used to place the information on the credit report. Bottom line – Was the information reported on the credit report verified?The importance of this is that it is a known fact that the credit reporting agencies have had a high number of incidents where information being reported is not verified and is incorrectly placed on a unsuspecting consumers report.

The 3rd and most important part of the process is education. If you do not education yourself on all things related to improving and maintaining your credit scores then you will not have long term success. Part of the education process is learning the necessary disciplines to assure your success. One of those disciplines is monitoring your credit. It's like going to the dentist for a check up or taking your car in for a regular tune up or oil change. It's funny how people will schedule those types of activities but won't do a regular check up on there credit reports. More times then not this lack of discipline leads to unnecessary disappointing surprises.

As an example, I currently enrolled a client that had not seen his report in about a year and half and found out that he had a mortgage reporting on his credit report that belonged to his ex-wife. Now even if the courts rules that the wife is responsible for the mortgage, and both parties are on the loan, then the history of the loan will report on both parties credit report whether good or bad. A divorce decree does not supersede a contractual financial obligation. But here's the kicker, my client was never on the loan, only title.

The 2nd issue was that several credit cards his ex-wife had were also reporting on his credit report. My client was not on these accounts, not even as an authorized user. And finally his son who has his name but is a Jr. had an account reporting as well as birth date and SS# on my clients credit report.

Once my client realized this (after applying for a business loan) he took the appropriate action and sent information to the credit reporting agencies to have the corrections made. He included letters from the bank indicating he was not on any of the credit card accounts or an authorized user, copy of mortgage documents showing he was not on the mortgage as well as a copy of his sons drivers license, SS# and credit card statements showing the accounts belonged to his ex-wife and his son.

Unfortunately the responses he received were less then desirable - VERIFIED NO CHANGE!

My conclusion to the Credit Reporting Agencies response was, even though it appears he did everything as directed by the FTC site with regards to disputing information on your credit report he may have sent to much information. The Credit Reporting Agencies dispute departments have daily quota's to meet and depending on the person that received his file for review and their particular case load for the day it may have unfortunately determined the outcome on his dispute.

This is type of occurrence is not uncommon for consumers. The Credit Reporting Agencies failure to comply with the Fair Credit Reporting Act is the very reason the (FCRA) was in-acted in 1970.

Our role (United Credit Education Services) is to assist this busy client that is a business owner and doesn't have the time required to continue or know what to do next to fix the problem.

We have started the dispute process with this client providing minimal information to the Credit Report Agencies to cause them to have to verify the information in accordance with the Fair Credit Reporting Act. We also will continue to dispute as needed every 60 days for the client (client reviews, signs and mails letters). Our letters will reference specific sections with in the Fair Credit Reporting Act letting the Credit Reporting Agencies know why they have to re-investigate and verify according to the FCRA the information they are reporting. The client will be able to track his progress in his secure online account.

Our services will allow the client to do what he does best and needs to focus on - Running his business.

I will post an update as to the results of this client disputes once he receives his updates from the Credit Reporting Agencies.

For more information on our program please visit www.vrtmg.com/mbustamonte

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

United Credit Education Services

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Mon, 06 Jul 2009 13:27:52 -0700

More today than ever before, our increasingly tight credit market demands a high credit score. Over three quarters of all lenders use credit scores when deciding whether to approve consumers for loans or credit. It is also used to determine your interest rate, the amount of your down payment and the variety of mortgage types available to you when buying a house; your ability to get a car loan; the premium on your auto or homeowners insurance; and even your ability to get a job.

Millions of items have been removed from consumers' credit reports legally and permanently since the Fair Credit Reporting Act was passed in 1971. Why shouldn't YOU join them and start saving money today?

Click here for more information.

Effective Credit Restoration
United Credit is the leading company specializing in credit restoration utilizing the latest technology ensuring fast, accurate service for our customers. Our team of experienced professionals is highly knowledgeable and holds the Credit Reporting Agencies accountable to utilize the newest legislation regarding the Federal Trade Commission guidelines and the Fair Credit Reporting Act.

For more information on this offer and others, please visit my Web site by clicking here.

If you would prefer not to receive our email, please click here to unsubscribe.

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

Thanks for the invite

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Sat, 15 Nov 2008 14:36:56 -0800

Looking forward to being a part of this group and hopefully able to contribute as well as receive valuable information.

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

Take Control Of Your Financial Future "Credit Restoration" - Free Webinar

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Fri, 06 Jun 2008 14:44:42 -0700

VR Tech Marketing and United Credit Education Services is pleased to announce our free Credit Education/Credit Restoration Webinars for all interested in learning more about Credit and the FCRA and how you can improve your credit rating.

Take Control Of Your Financial Future "Credit Restoration" webinar schedule:

Space is limited.
Reserve your Webinar seat now at:
https://www1.gotomeeting.com/register/986967912

Take Control Of Your Financial Future "Credit Restoration"

Title:		Take Control Of Your Financial Future "Credit Restoration"

Date:		Thursday, June 19, 2008

Time:		7:30 PM - 8:30 PM CDT

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

United Credit Education Services launch’s MyCare™

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Sat, 01 Dec 2007 08:05:01 -0800

December 10th Tri-Star Consulting Group strategic partner United Credit Education Services will launch its new program MyCare^TM Wills and Trust. MyCare^TM is a program for consumers that do not have a Living Will, Living Trust or a Financial Power of Attorney. This program will allow for the client to complete the required information online. The cost for this program will be $499.00.

The addition of this product to the UCES product line according to UCES Partner, Mike Toloff "Is a part of the strategic plan to make UCES a complete financial services company" Mike also stated "This product has received a very positive response from Corporate entities that were sampled."

United Credit Education Services, a credit repair company started in 2004 was originally denied BBB membership to do the nature of its business being in the credit repair industry. "The BBB had issues with so many credit repair scam companies in the credit repair industry that they were not allowing credit repair companies to become members" said Mike Toloff, "We told them to watch us and see how we conducted business and that's what they did, finally in 2005 they allowed us to become a member and to date we have zero complaints" concluded Mike.

As further testament to UCES goal to become a powerhouse as a financial services provider and the number one credit repair company in the nation, UCES has recently became affiliated with a Federal Credit Union and formed a CUSO, Financial Education Services (FES) in order to maintain CROA compliance as well as offer clients the ability when necessary to open new or additional trade lines through secure credit card program.

United Credit Education Services offers services nationwide.

Additional United Credit Education Services products:

Ultra Score - For Clients that have OK credit but want to go to the next level.

Road Loans - For that have credit issues but are in need of a car loan.

For more information on any of United Credit Education Services (UCES) programs or how you can become a distributor for UCES products please contact:

Mark Bustamonte
Certified Credit Consultant
United Credit Education Services
http://www.unitedcredited.com
mark@unitedcredited.com

954-707-2932

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

Credit Repair, the SILVER BULLET?

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Wed, 14 Nov 2007 23:41:44 -0800

In recent weeks I have had to address the issue of what role the credit repair process plays in helping a person improve their credit rating.

The concept of utilizing credit repair to improve your credit rating is only one part of the puzzle and requires that the client understand that in most cases simply applying the credit repair strategy is not enough. A person must be willing to do other things to outside of the credit repair process to maximize the credit scores.

When you review a clients credit profile to see if they are a good candidate for the credit repair program we must first understand what the total profile of the client is.

• Does the client have a job?

• Do they have any additional accounts open that report to the credit report?

• If so are they able to make monthly on time payments?

• What type of accounts do they have open?

• How old is there oldest delinquent account?

• Do they use a budget work sheet?

• How committed to improving their credit score are they?

These are a few of the questions that are asked in the consultation process to better understand the client capabilities as well as there level of financial education and dedication to the credit improvement process.

It is also important to understand the client's goals and expectations. If you don't know this you are potentially setting yourself and the client up for failure. Clients need to have a realistic expectation of the credit repair process and any changes they may have to make in how they handle there finances.

The credit repair process often requires the client to re-establish new types of accounts to begin the rebuilding process. The effect of good payment history reporting to the credit report along with the deletion of unverifiable, obsolete and erroneous information from the credit report will have a profound effect on the credit scores.

Correcting one's credit in many cases also means re-training a client in the way they handle and think about there finances. United Credit Education Services provides the necessary tools along with the credit repair process that allows a client to get proactive in the credit repair process by providing valuable financial education.

In closing the answer is this; Credit Repair is not the SILVER BULLET. It takes a combination of things all happening at the same time to improve the credit scores. It won't happen overnight, but if you employee a series of tactics, one being credit repair, your chance of success increase dramatically!

Mark Bustamonte
Tri-Star Consulting Group
CEO
http://www.unitedcredited.com
http://www.tristarconsulinggroup.com
mark@tristarconsultinggroup.com
866-840-2240 Toll Free

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

TalkShoe Talk Cast Internet Radio Show - Mortgage and Personal Debt Elimination

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Sat, 01 Sep 2007 13:51:53 -0700

Host: Mark Bustamonte
Co-Host: Richard Garcia

Interview: Kelly Shelton CEO

Web Link: TalkShoe

On Sunday, September 2nd at 12:30PM EST we will be interviewing Kelly Shelton, CEO of Financial Freedom International, Inc.

FFII is a strategic partner of Tri-Star Consulting Group, LLC. We are proud to have Mr. Shelton on the show. Kelly will talk about the mission of the company and how FFII can play a role in helping to build a strong financial future for its clients. He will also discuss how the PayAccel strategy and personal financial coaching plays a role in the success of its clients.

Please join us live or download the episode at a later time.

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

Interview with Carlos Martinez - Operation Manager for Financial Freedom International, Inc

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Sun, 19 Aug 2007 15:18:59 -0700

Today on our Mortgage and Personal Debt Elimination TalkShoe Talk Cast we interviewed Carlos Martinez the Operation Manager for one of our Strategic partners, Financial Freedom International, Inc.

Carlos talked about the economy today and the importance of having a financial plan to better postion yourself for the future. He also discussed the financail coaching that is offered with all the PayAccel programs as one on the 3 keys to success for the Debt And Mortgage Elimination Programs that FFII offers.

Training
Accountablity
Tracking

To listen to this interview in it entirty go to TalkShow Talk Cast - Mortgage and Personal Debt Elimination.

Thanks,

Mak Bustamonte
Managing Partner
Tri-Star Consulting Group, LLC
www.tristarconsultinggroupllc.info
866-840-2240 Toll Free

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

Mortgage Elimination? You can do that on your own!

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Wed, 15 Aug 2007 22:48:45 -0700

Seems to be quite the buzz these day's in several blogs I have come across. I think its great how we as experts in real estate and the mortgage industry talk about how we can or anyone can do this on there own and save them selves anywhere from $1500.00 to $4500.00 by talking with anyone tax advisor and financial planner or attorney.

My personal opinion is that we are missing the picture. These posts (I thought) were meant to provide useful information for our potential clients and the general public as well as the members of the all knowing mortgage and real estate community. Just because we happen to be blessed with the gift of being in the financial industry or real estate business doesn't mean that everyone has the same knowledge we do about these types of products or for that matter any idea how to implement or have the ware withal to even try to implement this strategy.

I talk with mortgage brokers, real estate agents and financial planners everyday that have not heard on these products nor have any idea how to do this.

How about if we stop trying to impress ourselves or the rest of the community with our all knowing knowledge and start providing useful information to the public!

The truth of the matter is that these programs are good for some people and not for others. Another truth is there are different options. Some require you to refinance, some don't. Some provide software other's financial coaching. The list goes on and on.

When we look at the general public (out side the mortgage industry and real estate profession of course) we see people in debt, living from pay check to pay check, refinancing every 4 years to pay off there debt. Reaching retirement strapped with personal debt and a mortgage, inadequate Social Security and retirement benefits. The sad truth is most people aren't going to spend the time to learn new financial strategies to help them get out of debt. That why the professionals are here. Who are you (who ever you are) to say: Oh that's too much to pay to learn how to eliminate your mortgage or pay off all your debt. Most of you probably have a mortgage and debt and aren't even using these strategies. Here are some interesting statistics:

1. According to the Social Security Board, 81 out of 100 people are dead or "dead broke" by the age of 65. 2.5 % are financially independent, 13-17% are still working, 56% are dependent upon someone else, and 25% are deceased. These numbers prove that the problem with debt has started young and continued through lifetimes.

2. The Census Bureau report has determined that the average American has the following allocation of income. 28% is paid toward taxes, 19% toward the household, 9% toward insurance, 2% is kept, and a staggering 42% toward interest and debt. The National savings rate has reached -1% for the first time in history.

3. According to the Bloomberg Report (March 2007), U.S. sub prime borrowers fell behind on their mortgage payments at the highest rate in four years in the fourth quarter of 2006 and foreclosures of all types rose to a record high according to the Mortgage Bankers Association. U.S. homeowners, lenders and investors may lose as much as $112.5 billion through 2014 as mortgage payments go up on adjustable-rate loans, triggering defaults and foreclosures, according to a study by mortgage-risk data provider First American CoreLogic.

4. According to the Experian National Score Index, the average consumer debt has risen 12.5% in the last year. The average for credit scores has now dipped to 674. It has been averaging 695 over the last few years. As debt increases, scores drop. As consumers get behind in payments, scores drop. Forbes.com wrote that one late payment on an auto loan will lower a consumer's credit score by an average of 98 points.

My question is this, if it is so easy why are so many people in debt? Why is it so bad for UFirst or CMG or Financial Freedom International, Inc to promote these programs and charge $1500.00 to $4500.00? Oh I forgot anyone can do this on there own, why pay someone to teach you or provide the tools to help you implement a strategy that could save you hundreds of thousands of dollars or help motivate you to learn something new that might benefit you financially. Keep you from becoming a statistic. That would be stupid!

Here's an idea; for those of you that know how to implement the mortgage acceleration strategy or are experts in debt elimination how about spending some time teaching it for free. Work one on one with some clients for about 6 months to a year monitoring there monthly expenses and developing spreadsheets for them so they can learn and track there progress. Help them establish a budget. Help keep them motivated, and don't forget you will do this for free? Right? Just send me your name and number and I will conference my next client in with you and you can teach them for free. I am sure they will appreciate your desire to teach them and perhaps change there lives forever.

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

Is Paying a Little Extra Every Month the Same as Mortgage Elimination?

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Wed, 15 Aug 2007 18:17:38 -0700

I recently responded to a comment in Margaret Woda, a Realtor out of Maryland (http://activerain.com/blogsview/161295/What-s-the-future) where another real estate agent implied that paying a little extra per month and one additional payment at the end of the year was the same as Mortgage Acceleration or Mortgage Elimination.

The key here is that in a Mortgage Elimination program (in most cases) you do not have to pay extra per month. That would defeat the purpose of the program.

Here is my response to the comment.

Hi Margaret. Great post.

I am responding to Nestor and Katerina's comment regarding being able to do the same thing as the CMG loan by paying additional money towards equity each month and applying one payment per year extra.

I have put clients into the system (PayAccel HELOC Program) that reduced there monthly expeditors by $250.00 per month and reduced there pay off from 27 years to 11.3 years saving over $100,000.00 in interest. So paying extra money per month is not a wise choice.

With out sounding as a proponent of the CMG loan (which I can be if it meets the client's best interest) one of key components of this loan is the automation of the process by utilizing the HELOC as a checking account. One of the problems with this loan is it does not teach the HELOC strategy.

One better is the HELCO system that does not require the refinance of the existing loan and instead teaches the consumer how to use a HELOC as a tool to eliminate personal debt and Mortgage i.e. PayAccel HELOC System. My company Tri-Star Consulting Group, LLC is a licensee that markets the product for Financial Freedom International, Inc.

Our system unlike some of the other system provides financial coaching to the client to help them learn the strategy so that once they do learn how it works they can apply the same strategy to there other investment properties or any short term investments they may have. It is not a software program but actual coaching and teaching of the strategy that is provided.

It is the same concept that is used in Australia, New Zealand and the UK. Financial Freedom International, Inc has taken it a step further and offers programs for people that don't qualify for the PayAccel HELOC. Our PayAccel Plus program is designed to get the client into position within a few years to be able to utilize the PayAccel HELOC strategy so they can either eliminate there mortgage or build there equity position 3x times as fast WITH OUT paying additional money per month or per year.

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

VR-Tech Marketing Group and United Credit Education Services Launches “Ultra Score”

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Mon, 23 Apr 2007 22:43:55 -0700

Ultra Score is the latest tool to be launched by VR-Tech Marketing Group and United Credit Education Services to help support our clients in understanding all facets of credit and much more.

Some of the features of Ultra score are:

Understanding Your Credit File: The Client will be able to analysis there credit reports and understand the things that are effecting there credit in a positive way as well as things that are having a negative impact on there credit scores.

Your Customized Action Plan: the client will learn what they need to do to maintain or improve there credit scores as well receive a customized plan to help them make the necessary changes to improve there credit score.

Credit education: the clients will have access to our extensive library of information on Identity Theft, Credit Building Tips and Maintaining good credit to mention a few.

Resource Center: Clients will have access to information regarding credit and personal finance such as budgeting, mortgages, credit and debt issues, financial calculators and much more.

Our goal at VR Tech Marketing and United Credit Education Services is to educate the client and provide them with resources that will help continue to educate them long after they have completed our program. We recognize that credit repair is only one piece of this very complex puzzle called credit.

For more information on how you can take advantage of this powerful tool, Ultra Score, please contact;

Mark Bustamonte
Certified Credit Consultant
United Credit Education Services
VR Tech Marketing
mark@unitedcredited.com
www.unitedcredited.com

866-840-2240 Toll free

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

I am a little confused about Mr. Bustamonte position, what exactly is it that he does?

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Tue, 17 Apr 2007 23:06:47 -0700

I received this message last night. What a great question. I actually started to laugh.
From my recent posts I could clearly understand why someone would be asking that question. I hope to be able to clear up the confusion for myself and any visitors to my Blog and websites;

I am a Certified Mortgage Planning Specialist (Mortgages)
I am a Certified Credit Consultant for United Credit Education Services (Credit Repair and Education)
I am a Consultant for Freedom Financial Group (Debt and Mortgage Elimination)
I am a Consultant for Consolidated Solutions Group (foreclosure assistance)
I am a Trainer for Vertekk on internet marketing (Internet Marketing)

(I think that is all on them?)

WOW, some days I wake up confused!

Here is the idea MULTIPLE STREAMS OF INCOME.

I spend 20 years as a contract designer for FORD MOTOR COMPANY (1980 - 2000) and we all know the current situation in the automotive industry.

I have spent the last 8 years in the mortgage industry, and I know I don't need to say anything about the current state of the mortgage industry.

The idea for those that might need an explanation is as follows; if ones not generating income the other is.

In today's economy if you are solely dependent of one source of income you might want to rethink your plan (my opinion). On top of that, with such a diverse group on clientele and different needs today that people have its kind of nice to be able to have an options for your past or present clients that walk through your door.

Now for you folks that are in the mortgage industry or the real estate industry I am pretty sure that you see how all the entities above tie together and further more they are definitely services that are needed.

Well, I hope that clears up the confusion. Because to be quite honest, even I'm starting to figure out what I do! Oh, and I almost forgot the most important job; Husband and father of 5 daughters ranging from 8 to 16 (that explains the need for cash flow)

If you need more information on how you can be more diverse please feel free to contact me;

Mark Bustamonte
http://mtgplanning.com
www.unitedcredited.com
http://www.mydebtfreedream.com
www.consolidatedsg.com
http://mbustamonte.veretekk.com

866-840-2240 Toll Free

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

Creating Multiple Streams of Income

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Fri, 06 Apr 2007 22:46:50 -0700

I would like to bring to your attention a couple items here regarding my blog and web sites. First off, my primary business is mortgage loans; I am a certified mortgage planning specialist with Mortgage Sources Corp out of Overland Park Kansas.

I also am a firm believer in multiply streams of income. You will notice that I also am a Certified Credit Consultant with United Credit Education Services and have been in the credit repair industry since 2000. This has proven to be a great asset to support my clients that have credit issues as well has provided a great secondary income.

I also want to clarify that UCES is not directly affiliated with any mortgage lender or mortgage broker and understands the importance of never becoming directly involved with those entities. We are a team of independent representatives that all separately represent our own companies, whether it is mortgage or real estate field. Some of our representatives aren't in any real estate related field at all.

As you are all aware the mortgage industry has experienced quite a change in lending guide lines due to increased interest rates, slow down in housing market as well as the ever increasing default rate, now the MI companies are requiring fico over 575 regardless of Fannie Mae or Freddie Mac approval.

With the increase in credit score requirement UCES repair program is a powerful tool as a mortgage broker or real estate agent to have available to address the needs of clients that are not quite making the grade due to credit score. On the other hand if you have clients with marginal if credit score what a great way to help them improve there credit rating so that in a year you can refinance them into a better loan program.

Recently UCES has formed some very impressive relationships with top lenders and large financial institutes. I will be willing to share this information with you at your request. We are also launching so awesome new programs again geared toward supporting your clients Credit Education and Credit profile improvement needs.

So when you get a chance please visit my United Credit Education Services website for more information on this great program at http://www.unitedcredited.com

On that site you will also find links to Consolidated Solutions Group a referral service for clients facing foreclosure as well as Freedom Financial Group for clients interested in paying off all there debt and eliminating their mortgage.

These financial services that I have teamed up with will help meet the needs of a much diversified client base that is in the market place today as well as provide a diversified income stream in this ever changing market.

In up coming blogs I will be posting information on this additional resources. I hope that some of you will join me in building these teams to help support our clients and build a long term diversified income.

For more information on United Credit Education Services, Consolidated Solutions Group or Freedom Financial Group please contact;

Mark Bustamonte
Certified Mortgage Planning Specialist
Certified Credit Consultant

866-840-2240 Toll Free

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

United Credit Education Services (UCES) TalkShoe talk cast Interview with George Cole

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Wed, 21 Feb 2007 14:41:12 -0800

Mark Bustamonte the host of United Credit Education Services (UCES) internet TalkShoe talk cast will be interviewing George Cole, President of VR Tech Marketing Group and UCES on February 23, 2007 at 12:00 EST.

George Cole has been in the credit repair industry for several years and is very passionate about his company's mission of educating and restoring clients credit; releasing them from the bondage of high interest rates and all the other financial hardships that having bad credit brings.

UCES has help thousands of clients over the last 7 years by educating and restoring credit profiles. The company adheres to all regulatory laws put in place by the FCRA and the Credit Repair Organizational Act enforced by the FTC. UCES has been a member in good standing with the BBB for over 3 years now with zero complaints.

One of the keys to having a successful credit repair company and process is; following through and providing exceptional customer service.

If you are interested in listing to this interview it will be available for download or to hear right at the site, you can go to TalkShoe UCES

If you would like to join us live please let me know and I will set up a user pin for you to call into the show or text chat your questions or comments.

You can also view a live video of our credit repair program and see first hand the customer tracking process at Credit Repair Tracking.

For more information on our Educational Program and Credit Repair please contact;

Mark Bustamonte
Certified Credit Consultant
United Credit Education Services
mark@unitedcredited.com
www.unitedcredited.com
866-840-2240 Toll Free

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

Mortgage Sources Corp offers financing for BrikMasters (NovaBrik) Projects

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Mon, 19 Feb 2007 22:55:50 -0800

Mortgage Sources Corp in Jefferson City, MO is now offering home equity lines and other various types of financing for BrikMasters on Kansas City, MO. owned and operated by Glenn Yeager of Liberty, MO. BrikMasters is a supplier and expert installer of mortorless brick siding (NovaBriK). Novabrik is a patented mortorless brick siding system. The high strength concrete bricks overlap and interlock to create a strong, water resistant brick veneer.

NovaBrik is used in residential construction, for new homes and remodeling, and in commercial construction as well as large or small projects. All the inconveniences of mortar have been eliminated.

Novabrik can be installed in freezing temperatures without the additional costs usually incurred in winter with conventional masonry installation. There is no variation in the mortar joint color or thickness and no height limitation for installation in a single day. There is no mortar joint to maintain over the life of the building, said Glenn Yeager.

Cost for construction or remodeling your home is greatly reduced do to reduced time line for completion of projects as well as non requirement for skilled masonry workers.

Mortgage Sources Corp offers many types of loan products to finance home improvement projects. One product in particular, the Home Ownership Accelerator Program offers the client the flexibility of having a home equity line to fund there home improvement project as well as the ability to pay principle first on your home loan, potentially saving the client tens of thousands of dollars in interest over the life on the loan.

If you are interested in learning more about NovaBrick visit; www.brikmasters.com

For more information on how we can help you finance your home improvement project please contact;

Mark Bustamonte
Certified Mortgage Planning Specialist
Mortgage Sources Corp.
www.mtgplanning.com
markb@mtgplanning.com

866-840-2240 Toll Free

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

United Credit Education Services Offers Real Time, On Line Credit Repair Tracking

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Sun, 18 Feb 2007 14:34:59 -0800

United Credit Education Services customers have the ability to track their Credit Repair progress on line thru a secure login.

When you enroll in the credit education and credit repair program with United Credit Education Services you now have the ability to track your progress on line 24/7. This process helps keep the client up to date real time on the progress of there credit restoration. Each client is issued a secure login to a back office that shows where they started in the process and tracks the progress with each up date. No more uncertainty as to where you are in the process and what issues have been resolved.

To see how this works I have created a "Video" Presentation that walks you through the secure back office. This is an example account and shows all the features that are available to the client.

Click here to see the Video Presentation; Credit Repair Tracking

For More Information on either Credit Repair or Mortgage Planning please contact me at;

Mark Bustamonte
Certified Credit Consultant
United Credit Education Services
mark@unitedcredited.com
www.unitedcredited.com

866-840-2240 Toll Free

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

United Credit Education Services – Dealing with Collection Companies Illegal Tactics

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Wed, 14 Feb 2007 16:22:45 -0800

On our show today we discussed the Illegal tactics that collection company's employee when trying to collect a debt; everything from threatening to take your home to requiring you to pay the debt without proof of owing the debt.

We also discussed Identity Theft and how to prevent it from happening to you.

To hear the podcast for this show in its entirety click here; United Credit Education Services

For more information on dealing with collection companies or credit related issues contact;

Mark Bustamonte
Certified Credit Consultant
United Credit Education Services
http://www.unitedcredited.com/
mark@unitedcredited.com

866-840-2240 Toll Free

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

United Credit Education Services and Credit Card Rest in Peace (RIP) – Talk Cast Strategic Partnership

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Tue, 13 Feb 2007 08:11:13 -0800

On February 9th Mark Bustamonte of United Credit Education Services and Richard Garcia of Credit Card Rest in Peace (RIP) broadcasted there first join venture talk cast show on TalkShoe.

Both Mark and Richard are in the Financial industry and decided to join efforts in helping people with Credit Education, Credit Repair and Eliminate the burden of Credit Card Debt.

There shows will be broadcast daily starting at 9:30 EST then again at 10:00 EST time. The first show will be hosted on Marks show titled United Credit Education Services at 9:30 AM EST and cover topics related to credit repair and credit education.

The following show at 10:00 EST will be broadcast from Richard Garcia show Credit Card Rest in Peace (RIP) and cover topics related to Eliminating Credit Card Debt.

They will also being covering general news worth topics related to the financial industry that consumers need to be aware of.

The shows are for 30 min and we encourage you to join us in discussing these two important issues and any other financial issues that affect our personal financial well being.

Here are the links for the shows;

United Credit Education Services

Credit Card Rest in Peace

Please feel free to join us live on these shows or just listen in!

For more information on participating or if you have any questions regarding our services please feel free to contact Mark or Richard;

Mark Bustamonte
United Credit Education Services
http://www.unitedcredited.com/
mark@unitedcredited.com
866-840-2240 Toll Free

Richard Garcia
Credit Card Rest in Peace
www.integritydebtoptions.com/debtreliefgroup
rgarcia@naes.cc
800-587-9046 ext. 6060

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com

Interview with Keith Brink of Realty Executives in Liberty, MO

Mark Bustamonte, Mark Bustamonte (Financial Education Services) — Sun, 11 Feb 2007 11:11:11 -0800

On February 10th 2007 I had the pleasure of interviewing Keith of Realty Executives in Liberty, MO on my Internet TalkCast show "Mortgage and Real Estate News".

Keith Brink and his wife have a combined total of about 24 years of experience as Real Estate Agents.

In this interview Keith Discusses his process for working with buyers and sellers. He also talks about some of the extra step he takes to help make his clients real estate transaction a pleasurable experience.

To hear this 30 min interview go to; Interview with Keith Brink, Realty Executives of Liberty (EPISODE 2).

If you are considering moving to Missouri and would like to contact Keith Brink you can do so at;

Keith Brink
Realty Executives of Liberty
(816) 781-5400 Office
(816) 365-9497 Cell
brinkteam@realtor.com

If you are moving to Missouri but not to Liberty, MO or surrounding community area, Keith can assist you through his vast network to find the right Real Estate Agent to handle your Real Estate needs.

If you are interested in getting pre-approved for a home loan please contact;

Mark Bustamonte
Certified Mortgage Planning Specialist
Mortgage Sources Corp
markb@mtgplanning.com
www.mtgplanning.com
866-840-2240 Toll Free

Mark Bustamonte

Executive Sales Director

Financial Education Services

954.707.2932

http://www.MyFinancialEducationServices.com