Fixing Your Credit – The Real Story

Over the years of working in the family law field, I have observed different trends with regards to debt and bankruptcy. The bankruptcy laws have changed drastically and I tend to steer my clients away from bankruptcy because there is a much easier route to get debt relief and most people are not aware of … Continue reading “Fixing Your Credit – The Real Story”

Over the years of working in the family law field, I have observed different trends with regards to debt and bankruptcy.

The bankruptcy laws have changed drastically and I tend to steer my clients away from bankruptcy because there is a much easier route to get debt relief and most people are not aware of how easy it really is.

When I use the statement “easy” I do not mean simple. There is work to be done and patience to be had. My approach to credit repair is the same regardless of the number of debts that need to be addressed.

While I will not share trade secrets, I will share some basic information that may help with the decision on what road you should take to get some financial relief.

My approach is not to use bankruptcy as an out. The reason is obvious. With my system, your credit will get better not worse. Not only will your credit rating improve, your debts will disappear at the same time, this is a win win scenario.

With bankruptcy you will go through the hassle of appearing in court, paying an attorney to prepare the bankruptcy documents, and then the 7 to 10 year mark on your credit.

No matter what, this is the ONLY thing that cannot be removed from your credit report. By law it must remain on your report for at least 7 years.

I have had many of my clients try other credit repair companies with little success. Part of the reason we are successful is we understand the laws and we do not quit until all items are removed.

I caution people to stay away from companies that charge by the month because common sense says that there is no incentive to getting the job done in a timely manner.

Keep in mind that there is no set time that this can take. I have had clients who I was able to “get clean” in four weeks and some take four months. There is no method to the madness. The process is the process and there is really no way to take short cuts as there are laws that govern the process.

The reality is sometimes it takes guts to take on some of the debtors and collectors so someone with thin skin may not be as successful. As a former Settlement Administrator for a Public Company I have no problem going up against the best of the best. I have studied the laws regarding debt collection and reporting and am confident in my ability to remove anything.

At the end of the day you have to make the best decision for you and your situation. Getting your credit report clean is a very real thing and you can have clean credit in as little as four weeks.

It’s Time For A Mid-Year Financial Review

As we enter the second half of 2014, this is a good time to look back at the first six months of the year to see how you are faring financially. We recommend that clients conduct a mid-year financial review to check in on their investments, budgets, savings and tax planning to see if adjustments need to be made.

Here are a few key items to look at during your semi-annual financial review:

Investments: How did your investments perform this year? Better than expected, worse than expected or about the same? Talk to your investment advisor to see if you want to make adjustments, including rebalancing your portfolio if your personal or business risk profile (your willingness and ability to take risks) has changed.

Savings: Have you reached your savings goals yet this year, or do you need to step it up a bit? Consider making an automatic transfer each month from checking to savings to ensure that you are saving consistently. This applies to retirement savings as well as traditional savings. Don’t wait until the end of the year to try to catch up.

401(k) plan: If you are contributing to an employer-sponsored 401(k) plan, look at your investments to see how they’re performing. Have you experienced any gains this year, or did you lose money on your investments? Are new funds available that better suit your needs? Can you afford to increase your contributions to get the maximum match from your employer? Discuss your 401(k)’s performance with your financial advisor to see if it is beneficial to make changes. Your plan sponsor – the employer – may also have additional information about the investments in your 401(k) plan.

Tax withholding: Now that you’ve made it through half the year, you probably have a good idea whether or not your tax withholding is adequate. Do you need to adjust your withholding to ensure that you don’t underpay your taxes, or perhaps you’ve had a child and are eligible for an additional exemption? The IRS offers a tax withholding calculator to help you determine if you need to make adjustments. This is particularly true if you are a business owner paying quarterly taxes. Are you paying enough?

Other areas to consider for your review: insurance, medical spending, quarterly tax payments and budget adjustments. Contact your investment advisor to discuss these critical components to your financial success. It might take a little time, but that is time – and money – well spent.

Improve Your Credit Score With the Help of a Reliable Credit Repair Service Provider

An excellent credit record allows a customer to gain the ability to obtain a lucrative loan program to purchase building, car and other essential things. If you have a good credit score, then you can acquire a good loan program for your requirement. However, if you have inappropriate one, then it might create an obstacle when you plan to buy vehicle, house as well as other relevant things. If you are unable to acquire it, then it becomes difficult for you to acquire an appropriate loan along with affordable interest rates. In this type of scenario, it is quite natural that you should have developed an interest to obtain as well as to maintain this type of score.

However, there are circumstances when you are unable to secure it even though you have tried your level best to do so by all possible means. Indeed, you need to spend a lot of time and energy to repair your bad credit record. Here lies the importance of involvement of this type of service provider. They understand the basic rules and guidelines that are associated with this type of process and they should understand the ways to implement those particular rules to improve it as well as to allow you to save money in the best possible way. However, there is no formula to increase credit score instantly, but there are several instances where a proficient credit repair service provider can allow you to improve it to a great extent. This article will highlight on a few important responsibilities that are fulfilled by a proficient credit service provider.

The key function of this type of service provider is to remove mistakes from this type of report. These mistakes include the occurrence of errors at times of reporting the lenders as well as the occurrence of simple mistakes at the time of offering personal information to the lenders. If you think that there are multiple mistakes occurred in it, then it is advisable that you should get in touch with this type of provider to rectify your mistakes in the best possible way.

It is vital that you should verify every detail of your own credit report in the best possible way. For instance, if you have one negative item on this type of report due to the involvement of a lender who already left the industry, then there is possibility that the appropriate bureau would not get any sort of reply whenever they would call you to verify the details on the report. If such thing happens, it is advisable that you should immediately remove the detail of this type of lender from this type of report.

It is vital to remember that most of these service providers operate their business activities for the last three or four years. Therefore, it is expected that they possess relevant experience or expertise to be able to negotiate with the lenders in the best possible way. If you wish to improve it and if your lender wants to discuss this type of issue, it is advisable that you should take help of this type of service provider without any delay.

Thinking Of Going On A Diet? How About A Papaya Diet?

Dieting can be very hard on the body when not done in the right manner. Not giving the body sufficient time to adjust through crash dieting does more harm than good. More often than not, people diet and lose all the excess weight only to find that the minute they return to their previous eating habits, all the weight is gained back. But all is not lost, thanks to the papaya diet. Who knew that something as simple as a papaya salad could help you out?

The papaya diet is considered to be a great option to option for all those people who are looking to shed a few pounds-especially those who are suffering from an inflamed abdomen. Though the fruit is sweet, the number of calories in papaya are minimal. When it comes to papaya, there is nothing to lose.

Steps

Step 1

Find a nice, fresh fruit. Make sure that the skin has no unwanted indentations. Drink a couple of litres of water in order to remove all the toxins from your body.

Step 2

You will need to begin your diet by going on a mono-fast for a couple of days. You will need to eat the fruit throughout the day, perhaps in the form of a papaya salad.

Step 3

Whenever you feel hungry, simply eat some more papaya. You may drink the papaya juice once in a while, but do not add sugar to it. This is to cleanse the toxins from your body, including the parasites. It helps in building stronger tissues, and also reduces inflammation. You may experience diarrhoea, but that is normal.

Step 4

After fasting, you can drink warm water with a little lemon in it. Follow this up with a papaya breakfast, maybe a papaya salad. Wait for approximately half an hour, after which you can slowly begin to consume soft food.

Step 5

Avoid processed sugar and flour during the time you keep dieting. You may drink papaya juice if you are looking for some variety. This is extremely important as papaya ensures that anything that has been accumulating in your intestines are removed. The fact that the calories in papaya are minimal helps a great deal along with the fact that the fruit is delicious.

Step 6

Steamed vegetables, fish, legumes, beans etc can be consumed for lunch. You can supplement it with a little papaya juice as well.

Step 7

There is a need to perform abdominal exercises while you are on a diet. Muscles need to be stimulated during this time. The fact that there are very few calories in papaya fruit helps. However, that alone will not do.

You can make a simple salad and juice yourself. If you haven’t consumed papaya prior to this and are wondering how to cut a papaya, then visit our site in order to learn about the same.

Insurance Quotes in a Digital Age

Insurance is great. Yes, it can be a hassle to find. Sorting out the pricing and policies can be complicated. So what if the whole thing could be made as easy as pushing a button? The great news is that it almost has.

What Makes it Frustrating

Making the monthly payment on a premium can be frustrating, but it’s easy. Once you file a claim, you realize how much that monthly payment was worth it. Finding the right policy, on the other hand, can be a challenge. There are policies for your home, condo, apartment, motorcycle, car, and health. Also, there are many different companies. Getting insurance quotes from each carrier can take much more time than you have available. Once people find coverage, they rarely re-evaluate it to see if it is still the best option available.

Technological Evolutions

Luckily, the Internet has revolutionized insurance quotes. Trained agents can help you identify what your priorities are and which policy best meets your individual needs. Filling out a simple form online can generate quotes from several major carriers at once. Many agencies are also now able to incorporate smaller, more specialized carriers into their networks as well. The ability to organize and sort through so much information so quickly has made getting insurance quotes almost push-button simple.

Working Closely with an Agent

Getting a variety of insurance quotes is just the first step. The most affordable policy may not be the one that best meets your needs. Understanding the often complex policy language can be a daunting task. At this point, it is essential to get a trained agent involved. Like many service professionals today, agents are highly trained and strictly regulated. They are a personal part of their clients’ lives because they are helping to protect the most valuable aspects of a client’s life: their health, home, and family. You should be able to work closely with an agent who knows you and understands your priorities.

Your agent can sit down with you and evaluate each of the quotes individually. Together, you can structure a comprehensive package that addresses your coverage needs and financial commitments. The package may consist of the best policies from several carriers or a single umbrella. The use of digital technology allows for highly personalized packages of coverage. With access to so many quotes and coverage options at your fingertips, what you decide to do is up to you.

Obviously finding a safe level of coverage is not something you want to put off until you need it. The task of obtaining insurance quotes and sorting through coverage packages used to prevent people from shopping for insurance. New technology and highly trained agents have simplified the process. Highly personalized packages can provide better coverage and save you money. If you haven’t looked at your insurance lately, now is a great time.