Your Wealth Guide

Carrie Reeder asked:


Each consumer with credit history should obtain a copy of their report annually. The cost of credit reports vary. If obtaining a copy from the credit bureaus, consumers may pay $15 per bureau. However, some online credit agencies advertise low cost credit reports. Rather than paying for a credit report, consider obtaining a free report.

Who Qualifies for a Free Credit Report?

By law, each consumer is entitled to one free credit report each year. Although reports are free, consumer may have to pay a few bucks to view their credit score. Despite this incentive to encourage credit report monitoring, many people neglect to review the contents of their report. This results in millions becoming victims of identity theft each year. Free credit reports are available online, and viewable for up to 30 days. However, other factors may also qualify you for a free credit report.

Credit Report Inaccuracies

If you believe that your credit report contains errors or mistakes, you are a good candidate for a free credit report from each of the three bureaus. The majority of people only review their report from one bureau. However, if the contents on the Experian report are inaccurate, it’s worth obtaining copies of the other three reports to ensure that the same mistake has not occurred twice.

Denied Credit, Employment, or Insurance

Although credit history has nothing to do with your ability to function well on the job or drive a car, many employers, and insurance agencies have begun checking credit reports. In some instance, a negative credit rating may prevent you from obtaining employment, or result in higher car insurance premiums. Individuals who have been denied a line of credit, employment, or insurance because of their credit will qualify for a free report.

Experience a Credit Limit Reduction or Interest Rate Increase

Unfortunately, creditors have the right to reduce credit limits and increase rates at their leisure. If you habitually make late payments or exceed your credit limit, a change in credit card limits and rates should be expected. However, if changes occur for no apparent reason, it helps to obtain a free copy of your report and ensure that all information is accurate.



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Carrie Reeder asked:


Ready to apply for a mortgage loan? Thinking about getting a new credit card? Before you do, you may want to review a copy of your credit report to ensure that all your information is accurate. And, fortunately, there are quite a few ways to obtain a free copy of your credit report. Here’s how:

Make a phone call

There are three major credit reporting bureaus: Equifax, Experian and TransUnion. They are legally required to provide you with a copy of your credit report–for free!–once a year. And obtaining your report can be as simple as making a phone call! Just do an Internet search to find the phone numbers of the three credit reporting bureaus, and call each one individually. In most cases you’ll give your information to an automated voice mail service, and in no time at all your reports will be delivered to your mailbox.

Write a letter

Don’t trust the automated voice mail system? Need your request in writing for paperwork reasons? When you search online for the three credit bureaus’ information, look for a snail mail address. In most cases, you can simply send a letter that includes all your basic information–name, address, social security number, phone number and previous addresses. Ask for a copy of your credit report. Although this process takes a little longer than a phone call–because you have to wait for the postal service–you should still have your credit reports in a relatively short amount of time.

Go online!

The quickest and easiest way to get your free credit report is to go online. You can either access your reports directly through the credit reporting bureau, or you can find a website that consolidates these reports into one. Either way, you’ll get your information instantly–no waiting! You can print out your report so that you can review it at your leisure.

No matter which method you choose for obtaining your credit report, remember: it should be free once a year. However, you may have to pay a small fee if you want your credit score, too.



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Twelve Beliefs That Are Distinctive To Millionaires



 

Millionaires may seem different but the truth is, they have only discovered a few ordinary secrets that the average person overlooks. People are in tune to traditional patterns of societies philosophy. In our North American some ninety percent of the people are workers. Their incentive is the security of receiving a paycheck in even intervals. The assurance of the paycheck stifles their creativity.

 

Traditional thinking takes a back seat.

Millionaires on the other hand, are in tune with the mechanics of traditional thinking. They see the system as a provider of opportunities not a supplier of paychecks.

 

Here are twelve distinctive characteristics of millionaires.

 

Millionaires are focused. Even though they can adapt to conditions they are focused on the end result. They make a goal and put it in writing. The accomplishment of their goal is the driving force which sustains them. They don’t think about money they concentrate on playing the game. Money is a result of their desire to win.

 

Millionaires have unyielding confidence. They never enter into any situation without the confidence to back it up. They know they will win because they don’t question they can’t.

 

Millionaires are prepared. They never go into battle without a plan and the resources to back it up. They educate themselves for the challenge ahead and have confidence it will succeed.

 

Millionaires believe in themselves. They know what their capabilities are and do not hesitate to use every aspect in their command. They are not self involved but rather self evolved.

 

Millionaires believe in duplicating themselves. They are the mastermind that fits people into jobs they do best. They realize no one person can do it all and they know they have a treasure of talent at their request.

 

Millionaires believe they have no limitations. They are driven by their own ideologies, values and morals. No river can’t be crossed and no mountain can’t be climbed there is only the will to do it.

 

Millionaires are creators. They believe in generating their own environment and conditions. They see the world as opportunity waiting for their command.

 

Millionaires are aware and engaged. They belong to and take part in clubs, community events, give speeches, and claim their environment as their own. They command notice, not for glory but for reputation.

 

 

Millionaires share their expertise. Most millionaires have an apprentice they take under their wing. They want to extend their lives by inserting themselves into someone else.

 

Millionaires share their money. There would be no fund raising if it weren’t for millionaires. They build additions to hospitals, build parks and contribute to worthy causes and occasionally they are the venture capital behind another aspiring millionaire.

 

Millionaires are aware. Nothing goes unnoticed to a millionaire. They stay on top of everything going on around them.

 

Millionaires never give up. The most prevalent quality of millionaires is their perseverance in every thing they do.

 

Qualities found are not exclusive.

These are the twelve qualities which are also beliefs that can be found engrained deep into the mindset of most all millionaires. There is nothing special about any of them but when implemented, these mostly overlooked qualities allow an ordinary person to achieve success in a controlled and calculated manner. Accept these fundamental, core beliefs and make them a part of your life. I believe the spark of a millionaire lurks deep within you waiting for the right moment to spring into a great flame.

“And the well shall spring forth great abundance for the holder of the deed and there will be no more wanting for the days of lack has drawn to an end.”

Happy Trails

 

 



We help with your success!

Can you really build wealth automatically?

The answer is yes…you just need to acquire a new wealth building habit.

You are going to love this habit because you do not even have to remember it….a banking computer remembers the habit for you! How is that possible? Read on and you will soon see.

Here is how the automatic wealth building habit works. It is based on the miracle of compounding interest and the amazing banking technology that is available to virtually all of us today.

Step 1

If you do not have a bank account with “Bill Pay” go to a bank that has it and open a new account. Ask them how many checks can be sent per month, can it be managed via the internet, what are the costs. Many banks now offer this service for free as a promotion to get more customers.

Step 2

Decide who it is that you want to help build wealth. Yourself, your child, a grandchild, or even a friend. This habit also works for building spiritual wealth…more on that later.

Step 3

After you open the account you now have the ability to select any amount of money that you want sent to any person or organization and at almost any time interval. Some banks even offer an unlimited amount of bills that can be sent. The banks will then mail checks at regular intervals to the people or organizations you have designated…you do not have to do anything.

The real power of this habit is that you are not going to be sending bills in most cases…you will be sending wealth building payments….automatically!

OK, before we get to step 4 let’s look at the amazing power of compounding interest to see how much wealth can be built over time with this habit.

Here is an example of how much wealth you could build by having your billpay send just $50 per month into an account (mutual fund, IRA, etc) that has a 5% yield.

1 Year = $615

5 Years = $3,400

10 Years = $7,764

25 years = $29,775

You can learn more about compounding interest by doing a Google search on the internet. Obviously the amount of wealth you can build varies with the amounts and frequency of bill payments sent to your wealth building accounts and your rate of interest.

This is where research can help you, it is beyond the scope of this article to show you all the amazing possibilities that exist.

The beauty of the bill pay system is that it is very easy to adjust your recurring amounts up or down based on your current financial situation. As an example, you could set up your bill pay to send $12.50 each week into an account (Equals $50 per month) or change it to $15 per week for a few weeks and then back down to $12.50 at a later time. You decide exactly who gets the money, how much, and how often….you have complete control at all times. It is amazing wealth building power.

Step 4

Now it is time to set up your automatic wealth building habit using your banks billpay system. Get the address of the person or organization you want the money sent to including the account number. Go online and set up a new account with this information. Set frequency and amounts. Note: I have been doing this since 1992 and have multiple accounts (Charities, IRA’s etc) that have received money from me every month for 14 years and I have never written or signed a single check! I know from personal experience that the system works and I have never had any problems.

You can get very creative with how you build wealth and who you help build wealth.

* Set up an automatic bill pay to fund a child’s college education. There are many states that have plans that start with low monthly fees when the child is born or still young.

* Set up an automatic bill pay to fund a child’s savings account, just have the money be sent to the child’s bank with their account number listed on the check memo “Deposit to account ######”

* Set up an automatic bill pay to send a charity a payment every week. Remember that I said earlier that this habit can help you build spiritual wealth? If your church receives an automatic charity payment every week you are helping to support your church every week, even when you miss a Sunday service.

* Set up an automatic bill pay to send money to someone in need.

* Set up your bill pay to actually pay bills that you have paid late in the past….you may be able to save enough in prevented late fees to fund your wealth building payments!

The possibilities are endless…..you just need to take action and make it happen!



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