Dave's Blog

A free gift until May 15th 2008

Dave Cheatham (INC Financial ) — Tue, 15 Apr 2008 15:25:44 -0500

I have signed up for this service and had my $25.00 put into my bank. This is real and good until May 15, 2008. Take the time and check it out. You have nothing to loose and $25.00 to gain. What will that buy you. Or you can save it!!

If you have any questions please ask. Better yet go to the website and ask the people who own it. It is a Bank that owns the company.

Oh, invite other to use it after you sign up too.

Do you want $525?

Dave Cheatham (INC Financial ) — Wed, 27 Feb 2008 12:41:13 -0600

Hi,

I would like to share with you the details regarding a new online payment company similar to Paypal.

They have just launched an incentive program to gather new members and if you move quickly you can get Up to 525!

The company is backed by a bank out of SD and is FDIC insured.

It is founded by Steve Case - Former CEO of AOL Time Warner.

Just as PayPal did when they started, RME is PAYING new customers to open accounts. Anyone who opens an account gets $25, no cost or obligation.

When you open an account you are then allowed to refer new customers; with each new customer.

You get an additional $10. (up to a maximum of 50 referrals -$500)

This promotion is only good thru the end of March so if you would like some up to 525

Let me know and I will refer you. Just tell me in the email you want this. This is for USA residents only!

The subject line will be "You are invited to signup....

Best to you,

Dave

Bartlett, IL

630-398-3329

Is Your 401k Tax free?

Dave Cheatham (INC Financial ) — Tue, 26 Feb 2008 13:58:44 -0600

Now you can get your tax deferred growth to come out tax free.

Proper retirement planning is a need not a want. How would you like to have 25% of your nest egg taken away at the time that you need it most? Well this is happening to to many people now. What do you think will happen to taxes when your ready to retire? I know we do not know for sure, but we have historical data that says taxes will be higher. Would you agree?

Will your current savings be enough to sustain you and your spouse through retirement? Now remember that you will lose about 25% of what you take out to taxes alone. I do not know about you, but that is a great hit for me. These are the years that we should be enjoying life, not thinking about where the money is or where it will go. I will pay my fair share of taxes, but when I retire I do not want to be paying higher taxes.

Most qualified retirement plans do two things:

They defer the tax and,
The tax calculation.

Which one of these two things are you looking for? Well, since most of us are Wal-Mart shoppers, we decide that it's best not to pay our taxes today and defer them until some date in the future. You're undoubtedly looking for the tax deferred growth.

Two questions for you.

What tax bracket will you be in when you retire?

What deductions will you have when you take the money?

If you're like most people you'll be in the highest tax bracket and you'll have the least deductions when you retire. What does that mean? Well, it means that the IRS will be taking more of your money at retirement. What if you could change that? What if you could still get the tax deferred growth during your accumulation years but have the money come out tax free during the distribution years? That means that you get to keep every cent and the IRS can't touch it.

Now some of you may say you have that in a Roth IRA. I would say yes you do have some of that. think about what a ROTH IRA is however. You max it out at a much smaller amount than a 401k. You also get hit hard if you take money out before you government says you can.

If we had a vehicle that allowed you to put in as much money as you could, and take out money with out a tax penalty. Would you like that?

Let Dave show you where your at, and what will happen at the current condition you are going in. then let him show if you tweak just a couple things and follow a system you can pay off all your debt in 1/3 of the time and have $50,000 tax free income a year in your golden years.

Check with us to see how well you’ve planned for retirement

Get a FREE report giving you "The Inside Secrets that the Banks, and Other Financial Service Companies Do NOT Want You to Know".

Dave Cheatham

Financial consultant

630-398-3329

PS. If you want to learn how You can pay off all your debts in 1/3 of the time, and have over $50,000 dollars tax free income every year in retirement call or email Dave.

It's about the banking process, not a financial product

Dave Cheatham (INC Financial ) — Tue, 26 Feb 2008 13:14:27 -0600

Are you looking for a magic pill to cure your financial woes? The average family is one paycheck away from disaster and has over $8,000 in credit card debt. Are you one in this boat? You must know that, becoming your own bank system is not a magic pill to get you out of the debt woes. The good news is, Dave can help you. He knows how to work with people to get them to a point of paying off all debt and saving in the right way so you do not lose everything you have.

If you're looking for a get-rich-quick product then you'll have to keep searching. What Dave Cheatham teaches is a process to turn the tables on the traditional financial institutions. Conventional financial planning would dictate that in order to build wealth you need to:

Achieve higher rates of return
Spend less on your current lifestyle to save more and
Maximize your contribution to your company's qualified retirement plan

The first question that most financial advisors will ask you is “how much money do you currently have?" The next question is usually, “where is it?" Once they know where your money is they will usually start telling you about how their products are better. Very few advisors will spend time talking with you about the money transfer problems that erode your wealth. After all, it's much easier to sell someone a product and go on your way because anything more than that takes more time and energy. A person that hands you a 50 page outline of what you should do can only give you hypothetical's. You need a person that will walk you through how to pay off all your debt and have $50.000 plus in tax free income at retirement while being able to get to the money if an emergency comes up with out paying taxes.

To illustrate the point that products are not as important as the process let us assume that we're going to send you to play tennis at the Wimbledon tournament, one of the best know tennis tournaments of all time. Now we have two things to offer you but you can choose only one. You can have the tennis gear of any one great tennis players who's ever played the game or who can have their ability. Which one would you choose? Of course you would want their ability, or swing. This is what we're teaching people with the Your Own Banking SystemUnnecessary wealth transfers are the fundamental problem. The process that we teach solves this problem and eliminates the staggering cost of financing. Learn how to use financing as a tool!

Get a FREE report giving you "The Inside Secrets that the Banks, and Other Financial Service Companies Do NOT Want You to Know".

Dave Cheatham

Financial consultant

630-398-3329

PS. If you want to learn how You can pay off all your debts in 1/3 of the time, and have over $50,000 dollars tax free income every year in retirement call or email Dave.

Do you save money?

Dave Cheatham (INC Financial ) — Tue, 12 Feb 2008 00:23:36 -0600

In 2007 the personal savings rate was negative for the first time since the Great Depression.

Americans are now spending more than they are making.

How is that possible? The previous 10 years saw record breaking growth in both the stock and real estate markets, yet most households need the incomes from both parents to make ends meet. Are you in this same boat?

Well, this has changed the fabric of our lifestyle. We are spending less time with our kids and more time at our jobs. The value of family and community has diminished. Why? Well, the answer is that most of us are trying to keep pace with Mr. & Mrs. Jackson Smith Jones's. We measure success by what we have, not what we have done or the relationships we have. This leads to ever increasing family expenditures. C. Northcote Parkinson observed that “a luxury once enjoyed becomes a necessity.” This is why we always live paycheck to paycheck no matter how much money we bring into our home. So, must we go backward in order to go forward? No. The problem is not what you buy but how you buy it. Did you know that roughly 33% of every disposable dollar goes to pay the interest on financed expenses? The amount is staggering! Like a fire hose we are flooded by financial institutions with offers to finance practically everything. They clearly understand the economic power of financing and therefore encourage us to do it at every turn. Just the fact that the banks mail us vast amounts of credit card applications tells you what? They must be making a TON of MONEY. With their pockets full don't expect any changes. In fact look at changes that have occurred in the last two years from them. They had the minimum payment increased from 2% to 4%, and they changed the Bankruptcy laws to favor them. No, the credit cards companies are not our friends.

So, if the banks won't change then what can you do? Well, you must put yourself in control of your money. Therefore, you must treat yourself like a banker and create your own system of banking. The only way to avoid the transfer of interest and the lost opportunity costs is to put yourself in a position where you have the choice to use your money or someone else's.

This means that you must save enough until you can choose to pay cash or finance. If you pay cash you should pay yourself back. As long as you borrow money from others you will be forced to transfer some of your wealth away. Doing this will allow you to regain control and take charge of your financial future. Ask yourself this question: “If you had your own banking system would you still borrow money from the local bank?” Of course not! Borrowing from yourself and paying it back means that you get every penny back. Interest charges are gone forever. Not only do you recapture the interest that you were previously sending to various financial institutions but you also recapture the principal. By transferring the financing from the local bank to your personal banking system the cost of your purchases are significantly reduced.

You may be wondering what the difference is between a local bank and your personal baking system. Well, the condensed answer is that the local banks are federally chartered institutions that require vast amount of time and capital to start. But banking itself is merely a way of transferring wealth from savers to borrowers.

What exactly is a banking?

What additional advantages would you enjoy by becoming your own banker?

Purchase a car and increase your wealth by doing it.
It's about the banking process, not a financial product.
You can get to the money when you need it and not pay a Tax Penalty for using it.
Enjoy a tax free income stream that will last longer than you will, and still be able to give money to people or organizations if you choose.
Are you in control of your money and financial destiny or is it the government, your employer or financial advisor who is steering your ship?
If rate of return is important, what is the return on tax free?
Pensions are in deep trouble, how safe are you?
Grow your nest egg predictably year after year no matter what happens to the stock, bond or real estate markets.
Do not rely on the Government to take care of you in your Golden years.
Have money if or when an emergency comes up.

If any of these things strike a cord with you get a hold of Dave Cheatham. Tell him you want to know more what "YOUR OWN BANKING SYSTEM" is all about.

He can teach you how to save thousands of dollars of interest, pay off all your bills in 1/3 of the time, and have an extra $50,000 = in tax free income a year during retirement.

You are losing money, unknowingly and unnecessarily, every day!

Dave Cheatham (INC Financial ) — Mon, 11 Feb 2008 23:54:43 -0600

Do you realize how much it is? You spend $0.54 to $0.64 of every earned dollar on taxes and interest alone. Would you like to have it back? Or do you prefer giving it to the banks and the IRS?

Are you ready to take control of your money?

If Dave Cheatham could show you how to finance something, like a car, and every other car paid for itself, would you want to hear about it?

What if you could finance your own house, a rental property, equipment for your business or even your child's education? Once you learn and apply the principles of the Your Own Banking System the opportunities to self-finance are limitless. We will educate and advise you on the Your Own Banking System. Then Dave Cheatham will help you to become your own banker so you can begin recapturing the dollars that you are transferring away. Better said throwing away, never to be seen again.

To understand this better you must know how money flows. You see there is only one pool of money in the world. Like water, it flows freely...changing hands often. Like most Water is in the oceans most money is in the banks. Companies keep it there, Governments keep it there, even financial service companies keep the money in banks.

So, what does a bank do? A bank is simply an intermediary and gatekeeper of the money pool. A bank has learned the power of turning money and dependable depositors on the wonder of compound interest. (by the way one of the most powerful forces on Earth.)

Money does not accumulate in the bank. It is continuously used and re-used. The more times a bank can turn the money the more profit they will make. Therefore, financial institutions will gladly give you, the depositor, a small rate of return for the use and control of your money. They know that they will make much more than you will by turning the money over and over. (Until we teach you how they do it that is) It's important to remember that a bank does not loan THEIR money. They loan YOUR money!

What if you could do what the financial institutions are doing?

Well you can. Dave Cheatham will Guide through and teach you how to do the same things banks do. He will teach you to become your own bank. It is not a new concept. in fact what he will teach you has been done for over 100 years. You might ask why you where not taught this before. Well he will tell you that to.

So to learn how to recapture money your throwing away email Dave Cheatham now. Dave will send you a FREE report teaching telling you how you can Save Thousands of dollars of Interest, Pay off all your third party debt in a third the time and have an extra $50,000 plus in tax free income every year in retirement.

Is "Bank On Yourself" right for you?

Dave Cheatham (INC Financial ) — Fri, 08 Feb 2008 14:47:40 -0600

Even though I've been using the Bank On Yourself program for over a 4 years, it was still hard for me to tell people about it.

Most articles I've read that bash Bank On Yourself say things like "use insurance to insure yourself not for saving" and "use investments like mutual funds" for investing and saving.

So even though I pay my premium every month, and I know it works, the Big companies still slammed what I was doing. i was always wondering why.

Then this week I got an email from from a friend telling about Jeffrey Reeves, the author of "Money for Life...In Good Times And Bad". He said I needed to check out this book. So I ordered hios book, and I read through it in a few hours - and then it all made perfect sense!

When you borrow money from a traditional bank (or finance company, credit card, auto dealer, retailer - you get the idea) you pay them the principal AND the interest. And at the end, assuming you pay off the debt completely, you have the product ... and that's it.

But when you create your own bank, at the end you have paid yourself the purchase price - and the interest (and NOT the bank or lender) so you end up WAY ahead! Who makes more money GMAC the car company or the Finance Company. Well the Finance Company does.

Of course, it takes a while (and the right set-up) to get your bank to the point of having enough money to make this work. So it's no "miracle cure" for all your money problems. However when done right. You can pay off your debt to other in 1/3 of the time, and have over $50,000 dollars tax free income every year in retirement. Oh, if you need the money a head of time the Government will not hit you with a 40% penalty either.

But each time you "bank on yourself" you're making yourself richer and NOT the banks! So you should definitely check out this book.

If you're thinking about banking on yourself, it's worth getting the book! Jeffrey's been giving financial advice for over 40 years, and makes a great case for being your own bank - and tells you exactly why and how to do it.

I was trained by Nelson Nash himself to create the best bank on your self for people. I love helping GUIDE people through this. If i can help you in any way please let me know.

Here is the book: Money For Life...In Good Times And Bad

What do you think about this idea of "banking on yourself"?

Thanks and Best to you in 2008 and beyond.

Dave Cheatham

Financial consultant

630-398-3329

qualityteam@sbcglobal.net

PS. if you want to learn how You can pay off your debt to other in 1/3 of the time, and have over $50,000 dollars tax free income every year in retirement let me know.

What is going this week?

Dave Cheatham (INC Financial ) — Fri, 08 Feb 2008 13:52:19 -0600

Crazy week is sort of an understatement for the amount of economic insanity we've seen this week. Where to even begin.

Let's start with oil, black gold, Texas tea. After a larger than expected build in Crude Oil inventories, the price dropped on Wednesday to roughly $87 a barrel. I can't believe I'm calling this good news, since it wasn't very long ago when everyone talked about crude "hopefully not going over $75.". I guess it's a start and while today (Feb. 8th) oil prices are up over $89, we're still below $90 and it's start and a step in the right direction. Now if only the prices at the pump reflected the lower prices as well.

The Stimulus Package should come with a warning. There's a lot written into this package. Most notably spoken about is the tax refunds. Refunds are nice, don't get me wrong. But keep in mind what the government is trying to do with this package. They are trying to Stimulate the economy. That means they want you to go and blow this new found cash. Please don't. Enough people will blow this money to create the desired economic response but that doesn't mean you have to jump on the band wagon. Hold your cash, pay off debt or invest it. Don't buy a bunch of junk that you won't remember buying in 6 months!

The package is also calling for an increase in lending limits for Fannie Mae's Jumbo limit, raising the limit above the current $417,000 threshold. Following in turn will be increases in the FHA loan limits for many areas to Fannie's old threshold mark. For much of New York north of Westchester, the FHA limits are too low for the average home price. The increase will instantly allow thousands of people to get into fixed rates from adjustables, and borrow money to payoff other debts as the FHA will allow someone with a clean mortgage payment history to borrow 95% of the value of their home. I'm not saying you should tap all (or most of) your equity, but if you need to, then you need to, and in this time of decreasing values, you may be at 95% without even knowing it. In a sea of confusion, this is definitely good news!

Rates have been all over the map! After two rate cuts by the Fed, bond yields & rates steadily increased, but they increased slowly and rates remained around 5.5% with ease. That is, until this week! On Tuesday, the ten year bond yield opened up lower (lower yields = lower rates...more often than now). At 11am, the breaks got put on and the yield started going straight up. Then yesterday's bond auction happened. With yields so low and inflation fears on the rise, the auction went horribly. When no one wants to buy something, supply and demand tells us that the value drops. When bond values drop the yields go up and rates follow. Nice rollercoaster ride this week. Very comforting. It is believed the Fed will lower rates again. WOW

In the grand scheme of things, it's up to you as individuals to determine what helps you, what hurts you, and what doesn't even matter in the crazy mixed world. You can read the paper everyday and get their opinion of what matters to you or you decipher what's bad news for you and what's good news and what's beyond your control and what isn't. There's always a little bit of everything.

Best to you,

Dave Cheatham

A good tool that is not used like people should

Dave Cheatham (INC Financial ) — Thu, 31 Jan 2008 00:09:21 -0600

I love e-letters and E-newsletters. How many of you are using them?

It was odd when I was talking to a friend of mine and she said she did not have a data base of here clients and then one for prospects. This is needed in today's age.

I think that stale email is junk and will not be read. Good content that the person knows that they will get something out of an email will get opened and read. this is easy to do and helps create relationships.

For me I want the relationship with everyone. I like to build a large family of people.

Well after searching for companies and talking to people I jumped in. I have been using Aweber Since Septemeber. I love everything so far. It is user friendly. Try it out for free.

This is just another tool I think people that are in the people business should have. if not this company use another.

If I can be of help to anyone please ask me.

Have a great Day!!

Dave

Web hosting.

Dave Cheatham (INC Financial ) — Wed, 30 Jan 2008 23:51:50 -0600

I have just started to make some websites. After doing some looking around I have found this site to gave me the most bang for my buck.

I thought you might be interested.

I am in the middle of building a couple sites with a very easy to use program too. Trellian. I was amazed how easy it is.

The advantages of the Infinite Bank

Dave Cheatham (INC Financial ) — Tue, 22 Jan 2008 13:08:31 -0600

Perhaps the most obvious advantage of individualized banking is that it offers life insurance coverage—something most people need anyway. Life insurance is a low risk investment; there are guaranteed returns, and life insurance companies are noted for their longevity.

There are also tax benefits. In a properly structured life insurance program, if you borrow the money out of the policy, the proceeds are tax free. As long as you don’t lapse the policy, no taxes are due. When the death benefit is paid, it is paid income tax free, minus the withdrawals. We structure these programs so that the income stream is tax free through age 100, in some cases longer, and the policy has a no lapse provision in it so as not to generate a taxable event.”

In addition to providing capital for borrowing, policies can also provide a stream of retirement income for policy holders. There are no age limits on policy withdrawals. Fr other vehicles you have age issues and tax disadvantages. Not with this,

This is the front of the wave for retirement planning. “Setting up something like an Infinite Bank...allows you to save for retirement planning and know exactly what your tax exposure is going to be when you start pulling the money out. And if you pull it out correctly, you’re going to have zero tax exposure. This is what we all want right.

Insurance policies are also safe from exposure to litigation and creditors. Insurance policies are protected from...taxes, creditors, litigation, things like that, For example, a lot of doctors, lawyers, and business owners use this Infinite Banking Concept...because it shelters assets. Now it is not just for these people. It is for anyone now a days. Think how sue happy people are. You can get sued for the smallest thing. It is another reason I would tell you to get a trust.

In addition to being safe, individualized banking is flexible. Policy holders can borrow money and use it for purchases for which financing is usually hard to come by, such as foreign real estate. Policy holders can even become lenders themselves, borrowing money to lend it to other people in order to earn further interest.

People who use individualized banking can use their policy in a variety of ways without turning any money over to a bank or other lender at any time. This has been done for 1000's of years. Ask some farmers.

So, if you want to know more ask for the FREE report."How to pocket the interest you now pay to Banks, Credit Cards, and other Finance Companies, for tax free income for life."

You must be aware of

In addition to building up their policies, policy holders must be dedicated to paying back loans, though there is certainly more flexibility involved, since policy holders are paying themselves back. If unforeseen circumstances arise, policy holders can change their repayment schedule as necessary, rather than worrying about foreclosure, repossession or damaged credit. However, failing to pay back loans will diminish the effectiveness and efficiency of the system. Then the retirement years will be effected. Now you have control over this; not like the stock market.

People who want to use an individualized banking system will need someone familiar with it to help them set it up, and not all insurance brokers are aware of the system. Dave has been trained in this system by nelson Nash himself, and has also created a bank for his family. He understands it and knows how to create them. Every person is different on their own needs. Dave understands how to work with you.

So, if you want to know more ask for the FREE report."How to pocket the interest you now pay to Banks, Credit Cards, and other Finance Companies, for tax free income for life."

Using infinite banking to finance purchases without lending from banks

Dave Cheatham (INC Financial ) — Tue, 22 Jan 2008 12:40:44 -0600

You probably don’t sit around calculating how much interest you pay to banks and other lenders each year, but chances are you have financed large purchases, such as homes, education, cars and major appliances. (we all do)

The interest paid on these items can add up to hundreds of thousands of dollars, perhaps more, in the course of a lifetime. People often have to decide how much money to allocate for their retirement and how much to paying down current debt.

But what if it were possible for people to save for retirement in a vehicle that allowed them to finance their life in a way that provided advantages over borrowing from a bank or lender?

The interest you pay to banks adds up very quickly.

That is exactly what R. Nelson Nash had in mind when he pioneered the Infinite Banking Concept. In essence, Infinite Banking, and other similar systems adapted from Nash’s original idea, involves paying into your own BANK that allows holders to take loans and then ay back. In this system you fund your bank and use your own money to make money. Now this needs to be done in a certain type of vehicle for it to have the best outcome. You do not want to pay taxes on the money as it grow, or when you take it out. You also do not want to pay penalties for using the money early. In many was you re staring your own finance company.

How it works

Infinite Banking and other individualized banking systems rely on participating whole life insurance policies, which build up equity and pay dividends. Policy holders pay premiums—which vary based on the amount of the death benefit chosen, along with other factors, such as the age and health of the policy holder—into a whole life insurance policy for a period of five to seven years and let the policy increase in value. This is known as the capitalization phase.

Generally, we try to fund most of the money into it in the first five years. The longer you can allow it to accumulate, obviously, the more you can pull out for retirement savings, the more you can pull out for larger items when set up right. Not many people know how to set these up. Go to a person that has been trained.

After the capitalization phase, the policy becomes self-supporting; the returns on the policy at that point will be enough to cover the premiums. The annual dividends are based on how well the insurance company did that year. Insurance companies must invest the premiums received “in order to produce the benefits that are promised,” Nash wrote.

Through the use of a paid-up additions rider, policy holders benefit from having their dividends reinvested into their policy, thus increasing the value of their policy and subsequent death benefit.

Policy holders are able to borrow up to 100 percent of the cash value of their whole life policy at any time with no tax penalties. A policy holder “outranks every potential borrower in access to the money that must be lent,” Nash wrote. This I very powerful when done right. It is not hard to do, you just need to know how to do it.

With this structure in place, policy holders are able to essentially act as their own personal bankers. They can loan themselves money from their own life insurance policies, and the interest payments go back to their own accounts.

People who participate in individualized banking are able to borrow money from—and repay—themselves when financing major purchases, rather than relying on and paying interest to banks and other outside lenders. If you would like to know more about this ask for the FREE report."How to pocket the interest you now pay to Banks, Credit Cards, and other Finance Companies, for tax free income for life."

Your average American family is not saving money...at the same time, they’re spending approximately 34.5 cents on every dollar in interest to finance their lifestyle through banks and different finance companies.

By depositing cash into a life insurance policy rather than using it for a major purchase, investors retain the ability to earn interest on that cash. Further, by borrowing from their own life insurance policy, they avoid having to spend that 34.5 cents per dollar on outside financing, and can instead pay that to their own policy. CHA CHING

The borrowed money can be used to finance any purchase, whether or not a lender would typically grant a loan for it. The policy holder, as banker, gets to set the loan requirements.

“You are in total control of your own funds. You are the underwriter.

Policy holders must make sure that they pay back any loans they take out. If they don’t, the system of growing the policy’s value will fail. And you never want your own company to fail.

People who follow through on utilizing the insurance policy as a bank are able to supercharge the returns guaranteed by the policy while financing things they would have financed anyway. The difference is that all the interest payments go back to the policy, not to a bank or other lender. It is like the wind is pushing your car forward instead of against it. What way does your car work best?

The Infinite Bank is really like a complete financial system. It will provide money for your lifestyle, for your retirement and for your heirs, and works well in all phases of wealth.

If you would like to learn more about this ask for the FREE report "How to pocket the interest you now pay to Banks, Credit Cards, and other Finance Companies, for tax free income for life."

Dave is trained in the Infinite banking system by Nelson Nash and has helped others implement the system into their own lives. He not only talks about it; his family does it.

With a Reverse Mortgage You Can!!

Dave Cheatham (INC Financial ) — Thu, 17 Jan 2008 13:59:29 -0600

•· Pay for in-home health care

•· Delay nursing home stay

•· Supplement your monthly income

•· Travel

•· Give monetary gifts to your family or a charity

•· Pay off existing mortgage

•· Do home repair/modification

•· Enjoy your retirement and feel secure

It is your Money. Do what you want with it.

That being said i would not go spend it all. This is money that you will want to use wisely. Do not let others scam you, and take it.

If you would like i will work with you so this money can be used wisely and put where you want it to go and be used for. It is easy to take this money and double it, or use it and give aay more money than you might have thought before.

Any questions please ask.

What are some of the benefits of a reverse mortgage?

Dave Cheatham (INC Financial ) — Thu, 17 Jan 2008 13:57:37 -0600

•· Tax free income does not affect Social Security.

•· Owners retain title to the property at all times.

•· Non-recourse loan - no deficiency judgement can be placed against the borrower or their heirs.

•· No credit, asset, or health questions.

•· Funds can be used for most any purpose:

•· Travel

•· Medical bills

•· Home improvement

•· Payoff existing mortgage

•· Delay nursing home stay

•· Supplement current income

BAD THINGS HAPPEN TO GOOD PEOPLE!

Dave Cheatham (INC Financial ) — Thu, 17 Jan 2008 13:44:28 -0600

If you are behind on your mortgage, we've developed a special program for this area that could help you recover. We only accept 4 people each month into this program so please read on only if your are serious about catching up.

Why was this important program developed?

The above question is a very important one. Good people fall behind in their payments for many reasons. Whether its a job loss, divorce or other unexpected setback, you are not alone! Why have I chosen to help you? I know from personal experience the stress and anxiety falling behind on your mortgage payments. I happened to me a while back and had experts at the time help me. I took time to research and look at what I might be able to do to help others. So I developed this program.

I have been helping people with money for over 10 years in some way. If I can help you that would be great.

What are the methods I use to help people?

1. Make up the past due mortgage payments.

2. Stop the foreclosure process.

3. Wipe out all your credit card balances! Without bankruptcy, credit counseling, or damaging your credit in any way!

4. I'll wipe out your car loans! And hand your car titles to you free and clear! No more car payment! Now you can say "it's paid for!"

5. I'll get you as much as $50,000.00 in CASH! While still saving you money each month! I've even gotten people more than that in the past! Some "only" want $10,000.00 in cash, or none at all. Hey, it's your choice...just tell me which way you want it!

6. Negotiate with your lender to restructure your current mortgage.

7. Analyze your credit and determine what areas could be improved.

8. Refer to some of the top realtors in the area.

9. Refer to reputable and experienced investor. There are investors out there that will let you walk away with nothing in your pocket. Unfortunately for some there is no other choice.

10. Refer to knowledgeable and bankruptcy attorney.

To have us contact you to discuss your options, simply email me with the following information.

First Name:

Last Name

Home Phone

E-mail:

Street

City

Put “Behind On your Mortgage Consultation Request” in the subject line

Is Experian's credit report on you Wrong?

Dave Cheatham (INC Financial ) — Thu, 17 Jan 2008 13:01:15 -0600

Experian dispute procedure

Call (866) 200-6020, wait through first message

Press #2, wait through message

Press #1, wait through message

Press #1, ...follow instructions

- or -

Log onto www.experian.com/reportaccess

Fill in information, hit submit

Fill in the personal information

Print Summary page

Click on "potentially negative"

Click on the first item listed

Click on "Dispute this item"

Click on the drop down menu under "I believe that this item is inaccurate because:"

Click on "No knowledge of account"

Click on "Submit your dispute"

Click on "Yes, submit my dispute"

On confirmation page, type in your e-mail address (this will provide you with notice, once the dispute has been investigated and you can review results online)

Type your e-mail address, again, in the confirmation window

Click on "Yes" under the question "Would you like to continue reviewing your report?" if there are more than one items to dispute

If there is more item that you are disputing, you will be returned to where you can repeat the dispute process for the next item:

There's no e-mail address entering, upon the second and/or subsequent disputes

(Here are the steps, again: click on the next item listed that you want to dispute, click on "Dispute this item," click on the drop down menu under "I believe that this item is inaccurate because:" click on "No knowledge of account," click on "Submit your dispute," click on "Yes, submit my dispute"

Click on "Yes" under the question "Would you like to continue reviewing your report?" if there are more than two items to dispute and repeat the above process, until all disputes have been logged.

If there are more two items that you are disputing, you will be returned to where you can repeat the dispute process for the next item. Repeat the process until you are returned to the "Confirmation" page, upon the completion of disputing all items that you wish to dispute.

On the "Confirmation" page, after you have disputed the last item which you wish to dispute, click on the blue "Full Report"

Click on "Print Report"

Click on "Close Window"

When you have finished disputing the last item you wish to dispute, click on "No"

You will see an "Investigation Summary" page. You may wish to print this page (access your printing function from your own tool bar - there is no print button on the web page) for reference, though the information is duplicated in the full report that you have already printed out. It is a handy summary.

Some days will pass.

You will receive an e-mail. The subject will read "Investigation Results." The e-mail address from which the e-mail will be sent will be "auto.notification@experian.com."

The subject matter will advise that you view results within four days.

Click on the highlighted blue link in the subject area of the e-mail.

A "Personal Credit Report" page will open.

Beneath "Experian Personal Credit Report" will be an orange bar with white writing that reads "View the results of your dispute"

You will required to enter some information, in order to obtain your investigation results. Do not click on the blue-highlighted area that read "order a current copy of your personal credit report."

Enter the report number of your investigation.

Find the report number you need in the e-mail subject area, just beneath the highlighted blue link that opened up the internet window. The report number follows ..."Your Report Number is:"

Choose the state of your home address (the same the you used for your home address, initially, when interacting with Experian) from the drop-down menu.

You will be required to enter the investigation ID of your investigation.

Find the investigation ID you need in the e-mail subject area, just beneath "Your Report Number is:" The investigation ID follows... "Your Investigation ID is:"

Enter your Social Security number.

Enter the Zip code of your home address (the same the you used for your home address, initially, when interacting with Experian)

Beneath the "View the results of your dispute" area is another orange bar with white writing that reads "Terms and conditions"

Click in the box in front of all three boxes

Click on "Submit" which is located beneath the "Terms and conditions" area, near the bottom of the page

A page will open. Your report number, name, and the report date will appear at the top of the page.

Go to near the bottom of the page and click on "View your results>>"

A page will open. Your report number, name, and the report date will appear at the top of the page.

Below the top "box," beneath "Go Back>>," and beneath a two-sentence instruction that begins with "The following shows the revision(s) made..." is an area headed by the title Summary of Investigation Results" in black writing, underscored by an orange line that extends across most of the page.

In the "Summary of Investigation Results" area is the information about each of the accounts that you disputed.

On the left is referenced each account. On the right is the result, which will read either "Deleted" or "Remains."

Note which accounts are "Deleted" and which "Remain" and/or print out this page for reference.

If you would like help dealing with credit issues please ask Dave. He is more than happy to talk to you guide you trough these issues to get your credit score has high as possible.

What you need to know before a Divorce

Dave Cheatham (INC Financial ) — Thu, 17 Jan 2008 12:49:38 -0600

1 out of every 2 marriages ends in divorce today! That's a daunting statistic and one that brings with it an abundance of emotional and financial upheaval for more than half of all married people. It is also a statistic that creates an urgent need for all individuals to become aware of how they can protect their credit standing in the face of a major life change; a change that will surely impact their financial situation.

While a divorce is easy enough to obtain and can be done in a fairly short period of time, the financial and credit issues emanating from the dissolution can linger for years to follow. Confusion or disagreement about who is to pay what bills and who is using specific credit cards can wreak havoc on your credit score. Late pays, no pays and insufficient funds can quickly cause the very best credit scores to plummet--it doesn't have to be that way. By proactively taking just a few simple steps, individuals who are starting over can ensure that they are doing everything possible to start over with their good credit intact.

Following is an example of a proactive action plan that will help you protect your credit during and after a divorce.

STEP 1: GETTING A CLEAR PICTURE

Get copies of your credit reports:
Request copies of your credit report from each of the three major credit bureaus, Equifax, Experian and Trans Union so you will have full disclosure of your situation.
Get all of your information into one place:
Make a list of all OPEN accounts and accounts with balances. Then create a spreadsheet with columns for the following information:

Creditor Name
Creditor Contact Number (if it is not listed on the credit report, you can find the customer service number on the back of your statement, or you can always search for it on the internet. Where there is a will, there is a way.)
Account Number (sometimes credit reports do not list the full account number, so you may have to dig up some paperwork, but it will be well worth it.)
Type of Account (i.e. auto loan, mortgage, credit card)
Current status of the account (i.e. current, past due, collection, etc.)
Total amount due
Monthly Payment Amount
Vesting of Account (i.e. Joint/Individual/Authorized Signer)

STEP 2: ACTING ON THE INFORMATION

Once you have assembled your information in one place, you can now begin to determine the best course of action for handling the accounts. There are two types of accounts you will be dealing with: secured and unsecured. Both are handled very differently during a divorce. Secured accounts are all accounts that have an asset attached to them, i.e. a mortgage or a car loan. Unsecured accounts are debts with no assets backing them, i.e. credit card accounts. Here are my suggestions:

A. UNSECURED ACCOUNTS-YOUR OPTIONS:

•· ELIMINATE OBLIGATIONS WHERE YOU CAN: A credit card or a statement with your name on it does not make you a joint owner of the account. Unless the account was originally opened with an application SIGNED BY YOU, you may only be an authorized signer and you can request to have your name removed from the account immediately. Alternatively, vice versa, if your spouse is on the account as an authorized signer you will want to have his name removed to avoid any future charges. Be aware however, if negative credit was incurred while you were on the account, the past information will still remain.

•· CLOSE JOINT ACCOUNTS: If there is no balance on the account, call the creditor and close the account immediately.

•· FREEZE ANY FUTURE CHARGES: If there is a balance that cannot be paid off right away, the creditor typically will not allow you to close the account. In this case, call the creditor and request to freeze the account from any future charges. This will allow you to pay off the balance over time without making you vulnerable to more debt. Such an action will stop BOTH spouses from using the account, so it is important that you make certain you have another credit card in your own name before you take that course of action.

•· TRANSFER BALANCES TO RESPONSIBLE PARTY'S INDIVIDUAL CARD: Request that the responsible spouse transfer remaining balances on a joint card to another credit card with available credit that is in their name only. Once this is done, CLOSE THE JOINT ACCOUNT IMMEDIATELY.

B. SECURED ACCOUNTS-YOUR OPTIONS:

SELL IT: This is the safest and best option. You sell the asset, pay off the loan in full, wipe the slate clean and move on.
REFI IT: If the spouse who has responsibility can qualify for a refinance in their own name, or they have a family member who can assist them with the loan, you can have them buy you out completely and you can walk away without obligation and get your name removed from the account.
BE CAREFUL: The least desirable option is to keep your name on the loan with certain terms and conditions. This option leaves your credit vulnerable to the responsible spouse's actions going forward. A late payment or a default on the loan will damage your credit.

SOME IMPORTANT TIPS THAT WILL HELP:

MAKE SURE THE BILLS ARE PAID-NO MATTER WHAT THE JUDGE SAYS: Regardless of what the divorce decree stipulates, it does not override your account agreements with your creditors. Both spouses are liable and responsible for joint debt regardless of who the judge orders to pay the bill. If the bills are not paid and an account defaults, both spouses can be sued, and both spouses can have their wages garnished. Most late pays occur during the divorce negotiations phase. Do not allow this happen. One 30 day late can drop your score anywhere from 25-75 points, and it takes months to gain those points back.
PROTECT YOURSELF IN JOINT ACCOUNT SITUATIONS: The best way to handle joint accounts is to eliminate such accounts whenever possible. Because joint accounts are approved using the information from both spouses' credit reports, a creditor will not remove one spouse's name from an account regardless of the presence of court documents declaring a specific spouse responsible for payment and upkeep.
IF YOU DECIDE TO LEAVE YOUR NAME ON A SECURED LOAN ACCOUNT, BE SURE THAT YOUR NAME REMAINS ON THE TITLE: Once your name is removed from the title, you no longer own the asset. This means that if the responsible spouse defaults on the loan, and you have to pay it, you will be paying for something that you no longer own.
FINALLY, putting the action plan to work as early in the divorce process as possible will ensure your credit will be protected to the greatest extent possible. Decisive, quick action will empower you to move forward.

Though it may seem challenging at first, you will soon find that putting the above recommendations into action is easily done once you get started. You will also put behind you a crucial first step toward moving on with your life.

Do not let the worst happen to you. Some things can just get out of control. Do not let this.

The Power of Compound interest

Dave Cheatham (INC Financial ) — Tue, 04 Dec 2007 11:52:53 -0600

Compound interest is the concept of adding accumulated interest back to the principal, so that interest is earned on interest from that moment on. The act of declaring interest to be principal is called compounding.

The power of compound interest is huge. Take for example:

If the Native American tribe that accepted goods worth 60 guilders for the sale of Manhattan in 1626 had invested the money in a Dutch bank at 6.5% interest, compounded annually, then in 2005 their investment would be worth over €700 billion (around US $820 billion), more than the assessed value of the real estate in all five boroughs of New York City.

Wow that is a lot of money. So you might not have been around in 1626. I know I was not, but the concept is huge. Albert Einstein supposedly said that compound interest was the greatest wonder of the universe. If he did not say this he should have. It is so powerful that the Roman government did not allow people to make loans this way. They knew that if people mad a loan to another person that is would be hard to pay off.

Now when you take a loan out at a bank they do not use the interest the same way. But the right investments do use this concept. It is for this reason that I tell people they need to invest at the same time as paying down the debt they have. It is a fine balance, but one that can be measured and looked at.

If you would like to learn how to pay off all your debt and have at least $20,000 to $50,000 in tax free income in your golden years you should call me now.

In fact if you do not have debt and still want this type or money you should get a hold of me. I can set up a plan for you so you can be free.

Have a great day.

Dave Cheatham

Trusted financial advisor

Dave has taught 1000's of people. Take advantage of his knowledge in your own life.

Energy Deregulation is here

Dave Cheatham (INC Financial ) — Tue, 04 Dec 2007 11:33:36 -0600

How many people do you know that use energy in their home?

How many of them want to save on that energy and earn travel rewards?

This is a 1/2 trillion dollar industry and will only deregulate once.

If we could market this and make money would you check it out?

If you want to see what this is about check out ambit energy

If you live in TX or NY go here and check out ambit energy and see what makes this company tick.

What would your answer be. If people who built a multi-billion dollar company asked you to partner with them. Would you say yes or no? The founder of this company has built a multi billion dollar company in telecom deregulation, and his family built and owns 7-11. I know you heard of them.

He is now offering you to partner with him to build another multi billion dollar company.

Great time to look at this.

Dave Cheatham (INC Financial ) — Sun, 02 Dec 2007 19:31:29 -0600

Don't let the slowing real estate market get you down. Many people in Real Estate are looking at this and joining.

A new opportunity is opening up in the state of IL. Ambit Energy is now in 2 states (Texas and New York). Ambit Energy is expanding their services of providing gas and electric service to IL with more deregualted states to follow. Learn how this company is saving Americans millions on thier utilities and providing financial opportunities to those that want to grow and expand with Ambit Energy. No experience neccessary.

Visit http://coachd.energy526.com/ny/en/ to learn more about Ambit Energy.

If you live in IL go here. http://www.coachd.ambitenergyil.com/

Maze of Debt Part 11

Dave Cheatham (INC Financial ) — Wed, 28 Nov 2007 14:14:14 -0600

Start saving at the same time as you pay down debt

This is one of the most debated areas I will cover in the Maze of Debt serious. You see some people say to through all your money towards your debt, and others say do not worry about your debt and to only save. Well I see more people do none of these things and either rack up a lot of money in accounts and never live, or they keep spending and never know when to quit.

I want to make this simple. it should be the goal of people to do both. The problem comes down to the thought of compounding. Some of the great minds in the World have realized that this is the best thing we can do with our stuff. Well the fact is that we can only really compound money very easily. With compounding you will not need to put away $100 to spend $100. You might only need to put away $5.00. It all depends on time and the interest you get on the money minus any taxes Uncle Sam will take.

For this reason I believe we can control two of these things.

First, we can control the amount of time we save money. It is up to you when you want to put money away. The longer I save the money more money I will make.

Secondly, we can put money into places that we do not pay taxes on them. "You can not do that", you might say. Well the saying that death and taxes are automatic is not true. I know of places to put your money that you will not pay takes on it when you take it out. This means that when you have the money in this place the money will compound faster.

Now for the third step. I like to put money in a place for retirement that I will not lose it, and that I will be able to get to it with out taxes issues, and Uncle Sam slapping my hand for taking it if I need it. You see most people lose their house because they could not get to the money they need. I have a place that we can put this money and get to it to buy cars, pay for college, and have a good retirement. The interest rate is good. It is not the best out their. Well even the best out there will have you risking to lose your money. I am telling you to save your money and do not put it at risk.

Now we have the little issue of paying down your debt. When we work together we develop a system for you to pay that debt off and save, and I still want you to have some extra money each month so you are not living paycheck to paycheck. This can be done.

If you would like to learn how the banks make all their money and what they do not want you to know ask me. I will give you a report showing you. It is Free to you.

One last thing. I want to share the rule of "multiply by 25". It is a simple rule when looking at savings.

The Multiply-by-25 Rule is a simple rule. But it is the most powerful money management tool that I have discovered in 10 years of studying what it takes to win financial freedom early in life. The best practical advice that I can offer those seeking to learn how to start saving is to start making use of the Multiply-by-25 Rule on a daily basis when faced with decisions as to whether to spend or save money.

It says this. If it costs you 100 dollars a year for a birthday present then you need to multiply that by 25 to pay for that item the rest of your life with out taking any more money out of your pocket. So, right now I would put away 2,500 and earn 4% a year on that money I would get $100.00 a year to pay for that present.

This idea is to tell you that you can use this to way if you want to be spending money on something. Is it a need or a want?

I can keep writing for ever on this issue, but will wait and write more about this in a different serious.

Our goal is to have you pay off all your debt in 7 to 11 years and save money for you to have $20,000 to $50,000+ in tax free retirement income from age 62 on.

If I can help you in anyway please ask. It is my goal to help people get out of debt in less time and not rely on the other to take care of them in their retirement years.

Best to you.

Dave

Financial consultant.

Bartlett, IL

Start saving at the same time as you pay down debt

If you have any questions on how to pay down debt in 7 to 11 years and retire with an extra $20,00 to $50,000+ of tax free money email me.

Dave is a trusted financial consultant that has helped 1,00's of people.

Maze of Debt Part 10

Dave Cheatham (INC Financial ) — Wed, 28 Nov 2007 13:29:15 -0600

Make sacrifices to eliminate debt

SACRIFICE. Live on a BUDGET. I know, people hate those two words. But it will take sacrifice to get out of debt. The good news is that it will be worth it. Every time you make a sacrifice and stay on budget you will be investing in your future. Always keep that in mind. Every step you make towards getting out of debt means you are closer to having more of your money work for you.

Although you can not really control your housing and transportation costs on a day to day basis, you still need to take a hard look at your housing and transportation to see if you can cut costs. Here are some basic areas that might help you. Look at your phone bill. Maybe you do not need to services you have, maybe there is a better plan. Also, get quotes for your insurance on both your house and your car. This can save you good money.

List of items you should look at.

1. How often do you eat out? Most of us eat out to often. By cutting this down or our we can even get healthier.

2. Do you read book? Well go get them free. You do not need to keep most of the books you read. So do not buy them right now.

4. Save now. Tell yourself you will put 10% of your income away to savings. Talk to me I will help you on where you can put this to help you save and if you need it you will be able to get to it.

5. Give money away to a charity. When we give we get. Also when we give we start to live in a different way. Find an organization that you have a passion for and give them some of your money and time.

6. Cut out the things you do not need in your life. Yes we all have things we say we need, but we really do not. I love my soda. I do not need it and would cut. If you smoke you might be able to give that up. It might help living in IL when the new law takes effect in January of 2008 anyway.

Ok. These are just 6 ideas. I know you can do it. Try to cut out something that will save you $50.00 dollars a week.

If you would like my worksheet on helping you make a budget let me know. I can send one to you. If you want me to sit down with you and help you let me know that too. It is FREE to you and I am more than willing to help you make a difference.

If you follow some basic rules on each of these tips on reducing debt and budgeting expenses and are willing to sacrifice you can save between $180 and $1000 a month. That will put a dent in your credit card debt in no time. Our goal is to have you pay off all your debt in 7 to 11 years and save money for you to have $20,000 to $50,000+ in tax free retirement income from age 62 on.

If I can help you in anyway please ask. It is my goal to help people get out of debt in less time and not rely on the other to take care of them in their retirement years.

Best to you.

Dave

Financial consultant.

Bartlett, IL

Make sacrifices to eliminate debt

If you have any questions on how to pay down debt in 7 to 11 years and retire with an extra $20,00 to $50,000 of tax free money email me.

Dave is a trusted financial consultant that has helped 1,00's of people.

Maze of Debt Part 9

Dave Cheatham (INC Financial ) — Wed, 28 Nov 2007 12:32:21 -0600

Find ways to increase income

Make a little extra money to pay off a bills, build up your savings, and pay an upcoming expense?

Right now people are doing many things to create more income. Here are just some of the ways you might be able to make a little extra money each month. Any thing more will help increase your monthly cash flow and help you pay off all your debt in as little as 7 to 11 years and give you a $20,000 plus in tax free income at retirement.

1. Do you have CDs, tapes, furniture, books, and/or other items that you don't need? Turn them into cash. You can sell them on the Internet on one of the auction sites. here are some: Ubid Ebay yahoo

2. If you are able to make crafts this is something that can make you some extra money and keep you from going out and spending. Do this as a family or by yourself and relax. Then sell these online, and craft shows. Look at this list of craft shows in IL alone

3. You might be able to provide a service that other people would pay for. Some common jobs are to babysit, shovel snow, run errands, clean windows, and many other small things that do not take much time, but people hate to do.. Do you have special skills? You could get paid to translate, be a tutor, type, paint, or repair items. Even if you have a full-time job, you might be able to do enough of these things to make some extra money each week. Just one extra job a week that you get paid $50.00 on can make you some money. Figure you only do one job a week that makes you $50.00 and you take 12 weeks off a year or can't find someone to pay you the $50.00 That is an extra $2,000 a year. Now I know people can do this.

4. Look for a part time job. You could deliver papers, deliver phone books, or work in a store.

5. You can make some extra money working from Home. These jobs have some huge benefits. You have some tax saving that come from these like no other tax savings. Here are just some of these. Savingshighway alows you to save money by helping other make money. Ambit Energy is allowing people to make money off of energy deregulation and saving people money Yuwie is an online social network that aloows people to make money just by looking at other people pages and meeting people These are just three. There are many more out there too.

6. You might get paid for taking part in a research study at a hospital or a college. Some marketing companies pay people to share their thoughts about a certain product or service as part of a focus group. My wife and I do this. It is fun and sometimes they even feed you.

7. If you work, check your last three years' income taxes to make sure you took all the deductions available to you. File an amended return if you find more deductions. Claim the Earned Income Tax Credit, Child Credit, and Child Care Credit if you are eligible.

8. Collect money that other people owe you, including child support. At your job try to work overtime, work toward a promotion, or ask for a raise. Use your job benefits.

Now watch out for the people that want to take advantage of you. Do not spend money on things that seem to good to be true. Have a goal in mind on how much extra you want to make and go for it.

These 8 ideas are just some of the ideas out there. Think of what you can do. I hope these 8 ideas make you think. If I can help you in anyway please ask. It is my goal to help people get out of debt in less time and not rely on the other to take care of them in their retirement years.

Best to you.

Dave

Financial consultant.

Bartlett, IL

Find ways to increase income

If you have any questions on how to pay down debt in 7 to 11 years and retire with an extra $20,00 to $50,000 of tax free money email me.

Dave is a trusted financial consultant that has helped 1,00's of people.

Maze of Debt part 8

Dave Cheatham (INC Financial ) — Wed, 21 Nov 2007 11:32:56 -0600

Find ways to cut expenses

You can find little things here and there to do to cut expenses or save money. It takes a little work on your part. Here are just some of the things you can do to help. By no means is this an end all be all.

You can save hundreds of dollars a year by comparing prices at different stations, pumping gas yourself, and using the lowest-octane called for in your owner’s manual.

You can save up to $100 a year on gas by keeping your engine tuned and your tires inflated to their proper pressure.

To avoid late payment fees and possible interest rate increases on your credit cards, make sure you send in your payment a week to ten days before the statement due date. Late payments on one card can increase fees and interest rates on other cards.
Cut your cable bill by shopping the service and maybe cutting the amount of channels. Many times you can save $25 or more a month just on this little item. Remember, if you have a family it is a family affair. By doing this now the whole family will be better off in the future.
Do not buy as much in gifts. Instead make some gifts to give away. It can be much cheaper and most of the time mean a whole lot more.
When you go to buy food take a list with you. Only buy what is on the list. It will save you money.
Eat in more often. You do not need to eat out all the time and it is better for you to eat in.
When going out to do things look at ways to do it for free. Go to a park, Library, community movie, or other fun things. You can do this for dates as well. Some of the best dates I ever went on never cost me a cent.
Find the things you spend money on that are not needed. Go back and see where you money is going. Cut back or stop those things. You can do it.

Be careful of people tell you to cut things that are important to the families well being. Some say to get rid of insurance. This is not wise. Also some will tell you not to save. Well the fact is that you should be saving at the same time as you pay off your debt. both can be done at the same time. Once you pay off al your debt then you can save a little more and have a little more to spend. Always living in a budget with goals in mind. It is nice when you can reward your self when you do well.

So now in that written plan before you need to have in there gifts of praise. When you have reached a milestone go out and do something in reason. These are all things Dave can talk to you about and help you with. It is about you and the needs and wants.

Start your action plan now. Get a hold of Dave and start. It costs nothing and you want to be one of the 7 he works with in a given month.

Find ways to cut expenses

Maze of Debt part 7

Dave Cheatham (INC Financial ) — Wed, 21 Nov 2007 11:06:40 -0600

Have a written Pay Down Debt Plan.

Develop written plans for your everyday expenses and debt payments for the next year. If you need some worksheets for these ask Dave. He will send you them free. They will help you figure out what you cash flow is.

Now that you have a written picture of your financial situation, you are ready to begin to evaluate your situation and make decisions about the best use of dollars to use to pay down your debt and get to more solid financial ground.

To pay off all your debt in 7 to 11 years you need a solid plan. Some people can pay off all their debt in three years and others 12. We have learned how to look at all the information and get people out of debt in the fastest amount of time. Remember it is a plan that you need to be able to do and live. So do not through all your money at debt. You need to save some and need to use some.

Dave is available to talk with you about how you can do this. For him to create a debt plan is not always fast because of all the work it takes. In most case it takes him 48 hours from the time he gets all he needs to get one done and for you to see your options. He does this free because he wants to see people debt free and have a savings so they do not need to work their whole life.

If you would like to get the worksheets to help in having a written debt plan ask for them.

If you would like Dave to help you create a debt plan ask him for that as well.

Remember becoming debt free is possible. Do not stay up late at night feeling your gut do flips. Act now. Dave only works with 7 new debt plans a month. This is the only way he can do it for people free and still help his current clients become debt free and stay that way.

Have a written Pay Down Debt Plan.