savings: 2017 Time to renew your credit and your life - 01/22/17 03:11 AM
The new year has started, new things are happening, the government  is going through a change.
 
It's time to take a look at your credit and your financial portfolio.  
 
America is facing some huge challenges, Obama did not help with some of the things he did, with the credit card reduction act, and other bad decisions.
 
Not knowing what the future economy is should make everyone wake up and think about some things.
 
It's time to think about your future, including things like
Paying your debt down Making sure you have the right kinds of savings and the right amounts Boosting your credit score Reviewing … (2 comments)

savings: More than 1/2 the population don't have enough for retirement - 04/27/15 09:06 PM

 
Are you ready to find out more :  http://goo.gl/TAUPB9
 
Retirement,  how many people really want to hear the truth
 
We have been trying to help people outside the normal realm of helping them get approved forcredit, 
or get the score they need.  We feel it is our obligation to help them further.
 
However we find a smaller percentage willing to go beyond the first steps.
 
This is extremely concerning. Think about this,  you might enjoy reading up on new information, 
but are you really serious enough to do something about your future.
 
I want to start with a sad story of a couple our firm advised 15 years ago. We helped them achieve 
high 600, 700 scores.  They got approved, and came back to thank us and take our staff out for a nice dinner.  
During the dinner I asked them if they were ready to take the next step.  
I will never forget what they said "no, we just really wanted to get approval for the re-finance, 
but we are grateful for helping us achieve the score we needed
to get approval".  
It  really took me back.  
 
Are you ready to find out more :  http://goo.gl/TAUPB9
 
But, I took it a step further and asked them if they are really serious about that statement, 
I think they took it as an offense.  But they knew there were other problems, too much debt, 
not enough retirement money, not any savings, and other financial issues facing them. 
I apologized, but I was firm and explained, my passion to help people and coach them. 
They thanked me and we finished a wonderful meal, and we went our separate ways.
 
I asked them to seriously think about it.  Today these people are in a different phase 
of their life. They called last month to explain they lost their home, due to financial problems.  
They were moving in with their parents. They barely had enough to survive and they 
wanted help. However when I explained what they need to do, it was too much for them.
This was a couple facing more public records, lawsuits and they were not willing to 
even get rid of their $250 / a month iPhone plan and cut down on their expenses to 
start recovery. 
 
This alarms me, many people are not serious enough to plan ahead, and take things as 
they go. They want a quick escape from financial reality , quick fixes, but not serious work. Well not everyone is this way, but I hope by 
sharing this story, it will do something to listen to our coaching and take the first 6 steps , 
and then work toward step 9.. it really is a process but we broke it down like that so people 
could handle the transition and financial makeover.
 
So let's talk about one big area, retirement.
 
In retirement, there might be some confusion  between households and person/population. 
So let me explain.
 
Households verses persons who have enough retirement savings
 
Households - 56% of households have more than $100,000 saved for retirement, still not 
merely enough to survive retirement. There are 123 million households in the US, 68 million 
with more than 100K 55 million households with less
 
People  - 57 % of people have less than $25,000 saved for retirement , not enough to survive one year much less a full 20-30 years retirement.  There are 318 million people living in the US.   181 million with less then $25,00 saved.
 
Now have you paid into social security? Depending on your situation you might of not paid much. The Social Security Admin 
statistics are skewed. They are not correct, do not believe them. 
 
Only 65% of people retired actually receive benefits.  Combine that with medicare and medicaid costs, the actual amounts are severely low.
 
The average yearly amount paid out is around $10,211 a year.  That equals less than $850 a month to survive on.
Are you ready to find out more :  http://goo.gl/TAUPB9
 
25% of retirees have other sources of income from pension or 401K.  The average is about $9,000 per year. If you have a pension 
or 401K.
 
Those who can't generate enough money to retire well though Social Security, pensions, or savings and investments are  increasingly choosing to stay in the workforce at least part time. "If their portfolio, their investments, their savings that they have accumulated to retire with are not enough to provide them with the lifestyle that they want in retirement, then a 
part-time job is certainly something that they should consider," says Ken Moraif, a certified financial planner for Money Matters in Plano, Texas. "If you are 60, you could work for another 10 or 15 years part time to generate some income."
 
Some 22 percent of people continue to work during the traditional retirement years, earning a median of $25,000, the highest amount of any income source, AARP found. The proportion of income retirees earn by working has doubled from 15 percent in 1990 to 30 percent in 2012. "For people who are working, it is a very significant source of their income," Koenig says. "We 
anticipate that earnings will become a growing source of income for older Americans."
 
Depending on your health when you reach retirement age, will you be able to continue to work?
Are you ready to find out more :  http://goo.gl/TAUPB9
 
Another factor that people facing retirement do not consider is medical costs.  A 65-year-old couple retiring this year will need an average of $220,0001 (in today’s dollars) to cover medical expenses throughout retirement.  Depending on their situations, they may need more, with rising cancer and other health problems.
 
Most people don't consider these things until they reach their 40's way to late, but yet even this late, in a couple years they can be back on top of things
 
Ideally you should start in your 20's  but no matter what the age , we can coach you to planing a successful and fruitful retirement in about 1-3 years. The secret is explained here: Are you ready to find out more :  http://goo.gl/TAUPB9
 
 
 
… (0 comments)

savings: Excellent Credit & Financial Freedom is possible but how? - 04/24/15 11:46 PM
Everyone that reads this I hope will watch the video , and then go to the site. Every American must think about this and do something about it.  
 
Here are some common subjects we are asked about and discuss in our services
The challenges of living without a good credit  score How do get a credit card Pay down your debt fast Establishing Credit Financial Independence Credit rating Do you want to learn how to obtain financial freedom?
And improve your credit rating / score to Excellent ?
Do want to learn the secrets of retirement planning?
And how to make wise investments ?
Do you want to … (3 comments)

savings: Spring Coupons Save $400 or more on Credit Repair Services for you or your potential clients - 04/15/11 06:03 AM
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savings: Holiday Savings you can't beat - how to fix your credit in little time with the best results - 12/03/10 07:58 AM
Happy Holidays from our Credit Repair Services.  If you have client's that have credit issues,
now is the time for the best results of the year during the holiday seasons. The bureaus are
understaffed for the holidays, so instead of our 70-80% deletion average, some clients see
90-100% permanently deleted with our 100% money back guarantee. For the holidays we
are offering discounts and special payment plans. 
I know what it's like trying to get people financed these days. On top of running into a person
with with credit issues, your getting bombarded with people who … (0 comments)