“Why, What’s In It For Me ?” Lessons In Debt, Credit And Home Ownership

When someone recommended you to see a counselor in debt, credit and home ownership, you may have heard yourself mutter , “Why, what’s in it for me ?” If so, then consider the following features and benefits of consulting a counselor, because as you will discover, there is something in it for you.

Remember way back in 2007 when a 600 credit score was good ? Who would ever think that today, seeking advice from a credit risk assessment planner would be seen as a sign of being very wise ?

Remember when you could apply for loans and be treated like a king, and when the mail box was packed with credit card offers ? Now you need to have a high 700 score to be recognized as a MAYBE contender for a loan.

Today, unemployment is rising, and it’s the employer’s choice marketplace. Now if you have even a slight blemish on your credit report, you are told to move to the back of the line.

Today, if your house payment is too high sucking up most of your income and you want to refinance, but with a credit score that shows any infractions you would have a better chance sprouting wings and flying over the tree tops than getting a loan.

What is in it for you is that a credit risk assessment planner offers education that will empower you to make decisions that are more beneficial and options that increase the opportunities in achieving goals.

What is in it for you is that a credit risk assessment planner offers a ‘plan’ to prevent clients from experiencing future disasters such as foreclosure, drowning credit scores, late fees, raising interest rates, and the wrath of malicious third party creditors who slink out from their rocks.

What is in it for you is that a credit risk assessment planner offers professionalism. A trained counselor who specializes in credit, debt and home ownership, has access to the latest laws, actions and reactions in the credit industry. Also to your benefit, a counselor researches options and resources that will save you time, money and trouble.

Spectrum Resources (863) 967-0660 Email: SpectrumResources@tampabay.rr.com
Visit all our blogs, each one offering different lessons that will benefit you. Visit:
http://MoneySavingTips.PolkVoice.com has had over 16,000 visitors since March 09 &
http://SpectrumResources.wordpress.com & http://WomanToWomanMagazine.ning.com
http://FinancialEducationAndOptions.blogspot.com and for a 75 Day Credit Makeover,
http://CreditJusticeServices.com/?ccc=1242 Please refer our services to others.
If you want to help us help others, please send your tax exempt donation to:
‘S.R.D.C. Education Fund’ 2014 Brentwood Dr. Auburndale, FL. 33823

“How To Count The Ways - In Foreclosure Fraud” Lessons In Debt, Credit And Home Ownership

Foreclosures are still rising and families are still walking out of their homes leaving behind possessions, memories and taking only a broken heart and spirit. The housing industry hasn’t hit bottom yet, and is expected to continue dropping for at least the next two years. All of this is not news, however, there is also a growing awareness of the bank fraudulent acts and how home owners can defend themselves. Read on to learn which resources are necessary to help stay in a foreclosed home, and with the right legal defense team can also get compensated for damages.

Forensic auditing is absolutely a must conducted by a professional third party specialist who works directly with knowledgeable mortgage fraud defense attorneys. The key is knowing what the fraudulent acts are and most importantly how to defend the home owner against them using all the governing Federal laws in place to protect the consumer. This evidence is golden to a mortgage defense attorney and to you as a victim because the Federal laws are very specific about the damages you can claim as a victim.

A forensic audit examines all the paper work that came out of your purchase and closing documents. It’s a clerical search for math errors, and it’s also a search for the strict Federal laws governing mortgage and protecting consumer rights.

Spectrum Resources has invested over five years of research in an attempt to provide education to home owners, however, like many things, there are some people who has the ability to surround all of this legal mumble jumble and those could but don’t want to. They are the “Just Fix It !” people and count for many of the clients who turn to a ‘package deal’ of services. Spectrum Resources can help with resources that make a positive difference.

The most important thing is to establish a plan and stick with it. Find out which resources offer what options. Defining priorities and setting time limits on achieving certain goals. Foreclosure is a floater, meaning many things depend upon other people’s actions and reaction, therefore a home owner has to have clear goals yet be very flexible.

Spectrum Resources offers education and options and does not get paid from trusted referrals. Recently we discovered a program that offers experienced mortgage defense attorneys, a forensic audit services supported by a team of attorneys, and a money management software to make better use of whatever money they do have.

Call Spectrum Resources (863)967-0660 Email: SpectrumResources@tampabay.rr.com
Please visit all of our blogs for different lessons. Please join over 16,000 visitors who have read our lessons since March 2009. This is a daily average of over 75 faithful readers, so please refer your friends to: http://MoneySavingTips.PolkVoice.com and http://SpectrumResources.wordpress.com and
http://WomanToWomanMagazine.ning.com and last but not least
http://FinancialEducationAndOptions.blogspot.com And if seeking credit repair,for a 75 Day Credit Makeover, visit: http://CreditJusticeServices.com/?ccc=1242

"Adding Your Two Cents" Lessons In Debt, Credit And Home Ownership

You have probably heard this old saying before, if not, ‘adding your two cents’ is simply giving your opinion, your views, your ideas, or sharing your experience. And that is what Spectrum Resources is looking for from you – for your to add your two cents to our blogs ! We will post on all four blogs the best submitted money saving tip, PLUS the winner will receive two hours of free counseling in issues of debt, credit or home ownership – PLUS a hand autographed book titled “Hey! Where’s My Money” authored by Janet Shore

The media gurus paint a beautiful rosy picture showing the world is healing, and it may on the top side. But on Main Street, the picture appears differently. It is a time of self evaluation, to re-think our sense of direction and perhaps re-prioritize our objectives.

E ach of us as individuals have something of value to contribute to our fellow man. Economically we have come to realize just how closely we are connected to each other. Everyone’s job depends upon someone else having a job, drawing a paycheck, and who can pass the money on to others. The economy depends upon that connection for money to keep moving.

Spectrum Resource’s mission is to provide education and resources on how to live INSIDE your income. To help us help others, we need your two cents. You are the one who lives on Main Street USA, the gurus on Wall Street live not only on a different street, I believe at times they must live on a different planet.

Survival entails understanding that only by sharing can we ALL grow. You are facing financial challenges everyday, and you have developed some tricks of the survival trade to maintain your head above water, we ask that you share with our readers your best money saving experience. It’s easy, on each of our four blogs shown below there is a ‘comment box’ to use. Don’t duplicate your money saving idea, each idea must be different. Please submit what has worked best for you to cut cost, overhead expenses, or to survive easier on less money and less stress. Please use it to help us help others.

The best judged money saving tip will be posted in all four blogs and you will have as an addition prize two hours of free consultation. Along with a personally autographed book titled “Hey ! Where’s My Money ?”by Janet Shore.

Call Spectrum Resources (863)967-0660 or email: SpectrumResources@tampabay.rr.com
Visit our blogs, each one with different lessons with debt, credit and home ownership tips:
http://financialeducationandoptions.blogspot.com/ and
http://spectrumresources.wordpress.com/ and
http://moneysavingtips.polkvoice.com/ and our newest
http://womantowomanmagazine.ning.com/
Your tax exempt donation is always appreciated to help with our educational fund, mail to:
S.R.D.C. 2014 Brentwood Dr. Auburndale, FL 33823

"Start At The Beginning" Lessons In Debt, Credit And Home Ownership

You have become ever so aware of your need to either add to your income or delete some of your expenses. You have become also aware of all the money manager gurus on talk shows and evening news with the helpful hints, but you still don’t know how to get started making changes in your own personal money management.

When you don’t know, then it is time to start at the beginning with education. Seek professional help from a trained and skilled counselor who can provide the education, resources and options you need. It is the smart thing to do. In today’s economic crises, the changes are continuous and harder for the average person to stay knowledgeable. It takes someone who is in the credit, debt and home ownership industry who stays plugged into the industry to be truly beneficial to you.

You could learn in personal money management classes the basics in budget development covering your perceived values make a difference, the process in structuring a personal spending plan and educating you on how you can make better choices between wants and needs.

Your education in personal money management classes should include how to track your spending, recognizing the kinds of expenses, the logic behind the different kinds of savings, and a process of how to get out of debt and raising your score at the same time.

Your skills learned through personal money management classes should empower you to recognize the different kinds of credit, the true cost involved, the methods used to calculate the charges, and the importance of ratios and how to use them as tools to keep you on track.

Your consumer rights should be covered in personal money management classes so you can exercise them to lessen stress, and deal more efficiently and effectively with your creditors.

Your life is made of up different episodes and with each one, you actually do start at the beginning, a place where you grow learning the differences. Spectrum Resources understands your need to learn and has been counseling and teaching individuals for seven years who are facing the same challenges.

Call Spectrum Resources (863) 9 6 7 – 0 6 6 0 to register for our next class,
Or email:SpectrumResources@tampabay.rr.com
for more lessons visit our other blogs:
http://womantowomanmagazine.ning.com/ & http://moneysavingtips.polkvoice.com/
http://spectrumresources.wordpress.com/ come back here often, refer others to our blogs.
If you enjoy our blogs please send your tax exempt donation to: SRDC 2014 Brentwood Dr. Auburndale, Fl. 33823 to help us continue to help others through financial literacy.

"Looking Good During The Bad Times" Lessons In Debt, Credit And Home Ownership

"Looking Good During The Bad Times” is not a lesson in fashion, but one about making the most of what you have in regards to your largest investment – your home ! Your home may have dropped in value like your neighbors, but it doesn’t have to look like it. IF you have found more time on your hands due to employment cut backs, take advantage of the time. Structure a “To Do List”, every home owner should have one of these stuck on the refrigerator even during the best of times.

You’ve probably heard your Granny say, “No matter how broke you become, you can always be clean.” Old wives tales do hold a bit of wisdom in them. The fact remains, clean, shiny and pretty is better than dirty, ugly and unwanted. If you are facing any kind of financial crises at all, you must protect your largest asset. If any equity is to be realized, more will come from your home looking good than neglected and dirty.

It’s called ‘ROI’=Return On Investment. You can experience in the worse of times a positive ROI in your home by taking little actions that can produce big reactions and
profitability. Increase the curb appeal on your home by removing outside clutter. Sweep the walks and driveway. Cut grass and trim out dead wood in trees and bushes. Pressure wash your shutters, window sashes, and trim. Put a fresh coat of paint on the front door and perhaps a shiny new kick plate at the bottom. Clean the light fixture of birds nest and cobwebs.

Next walk through your home. Really look at it as if you were to buy it today. The stained flooring, the soiled wall paper, chipped paint, hand prints on the cabinets, broken tiles, hardware loose, uneven and cluttered pictures or wall hangings and all waiting to be put your ‘To Do List”. The biggest challenge is eliminating clutter. If you can’t bring yourself to make all of those tiny decisions, call in your toughest friend and give the ‘OK’ to be strong for you. The point of this lesson is to maximize what you have in time, and assets. You will feel good about your ‘ROI’ while making your house a more comfortable home. Clean is good and it’s affordable !

Spectrum Resources provides counseling in daily money management, providing education, resources and options to those seeking financial self sufficiency. Debt, credit and home ownership issues always comes back to you setting priorities that make a positive difference in your life. Only you can make the decisions which truly make a difference.

Please leave your comments and questions, your input is important to us.

Call ( 863) 967-0660 or email: SpectrumResources@tampabay.rr.com and visit our sister blogs: http://moneysavingtips.polkvoice.com/ and a new one http://womantowomanmagazine.ning.com/ and http://spectrumresources.wordpress.com/

"A Bubble Or A Snowball ?"

"A Bubble Or A Snowball ?" You would have to agree both are messy when they burst ! Today's internet headlines are filled with news about "The Credit Bubble!" as if this is new news ! This is not news to debt and credit counselors who are in the trenches attempting to clean up the mess.

Credit card delinquencies rose from 5.52 percent to 6.6 percent (measured on a "percentage of dollars outstanding" basis). And people ask WHY ? Americans have created the biggest Credit Bubble of all time! Who is it that doesn't realize that American's have been on a spending spree since the early to mid 2000's ? Consumers thought that their ever rising home values would be there to bail them out IF they got in trouble. Well, they were wrong, and terribly misinformed.

You see, it's my opinion that the problem is more like a big snow ball rolling down a steep hill rather than a bubble. As everything in the form of money sticks to the snowball creating an even larger one as it heads down hill. Now we have slumping rents and rising vacancy rates that is playing havoc on the entire commercial real estate sector. The snowball has hit a wall called reality with pieces of these collected particals splattering out on everyone and everything in its path. Messy is a gentle word in comparison.

I see the credit card holders are victims of fraud. First, few know their consumer rights. Few know that National Banks are not allowed to lend credit. Few consumers realize how much our law makers turn their heads to the corruption of the banks. The lending industry actively egged consumers on into a web of false security just as much as policymakers at the Federal level who kept interest rates too low for too long. Virtually every corner of the credit market is connected to this snow ball growing in size !

Don't believe debt collectors who start pestering you about nonpayment of credit card debt from long ago. There are statutes of limitations in each state, after which debt my no longer be collected. Find out your state's rules at www.fair-debt-collection.com/SOL-by-State.html.

Even if a debt collector offers you a discount for prompt payment, DO NOT agree to pay. Insist that the debt collector give you, in writing, the name and address of theoriginal debt holder, the account number, the date of the last transaction AND the amount of the original debt. You have a right to this information and cannot be required to pay what you no longer owe.

Spectrum Resource’s mission is to teach you how you can live inside your income. Please add our link to your favorites and come back often to : http://moneysavingtips.wordpress.com/ and visit our sister blogs, each with different articles offering resources and options: http://financialeducationandoptions.blogspot.com/ and http://spectrumresources.wordpress.com/ or email us at SpectrumResources@tampabay.rr.com or call (863) 967-0660Help Us Help Others with a $10.00 tax exempt donation to our financial education fund. In appreciation of your contribution, we will send you a FREE COPY of a book on daily money management from local author Janet Shore titled “Hey ! Where’s My Money ?”. Use the online check processor www.Checkman.com/pay4it/12985 or pay by money order mailed to: SRDC 2014 Brentwood Dr. Auburndale, FL. 33823

"He Who Hesitates Loses"

You may or may not have heard this saying "He Who Hesitates Loses", but as a credit risk assessment planner counseling individuals in debt, credit and home ownership issues I see it as an important warning. Your ability to think and consider your options and take action quickly can be the determining factor in the amount of your savings.

Here are some money saving tips:You now see empty store fronts while driving down Main Street due to companies that have filed bankruptcy or simply liquidated their assets and left for parts unknown.
1. Use your store gift cards fast while they are still worth something.
2. If the store holds a 'liquidation sale' skip the first few weeks of the sale. Wait until week four.

"He Who Hesitates Loses" warning also applies to identity theft.
1. You will be happy you took this warning if your wallet/purse is ever stolen. Make copies of all contents in your wallet front and back and record credit card phone numbers to report a loss. But if you have not, then look on the last statement and contact the credit card company as soon as possible. With identity theft, the sooner the better applies.
2. You should also report immediately to all three credit bureaus your cards have been stolen. this could be a savings of thousands of dollars.
3. You will also have to have a police report filed, again, timing in this particular process is important from your creditor's point of view.

"He Who Hesitates Loses" can apply to so many aspects of your daily living from the stock market to business opportunities. But our mission is to encourage you to think, learn your options and take action quickly because some savings just will not wait. There are expiration dates that you must heed to save. Most people would think that any investment that brought you a return of 20% was good, but in your local grocery are you taking advantage of the 10-20% savings offered through coupons ?

Coupon usage has become more popular as an effort to survive this depression. Coupons can easily save you 20% on your grocery bill. Groceries are not the only place to save with coupons. Your pharmacy, hardware store, home stores and online retailers are offering big savings such as www.Coupons.com and www.RetailMeNot.com and www.SelectCouponProgram.com. Come back and look for my lesson on "HOW TO Make Money Without A Second Job".

Spectrum Resource’s mission is to teach you how you can live inside your income. Please add our link to your favorites and come back often to : http://MoneySavingTips.PolkVoice.com and visit our sister blogs, each with different articles offering resources and options: http://FinancialEducationAndOptions.blogspot.com and http://SpectrumResources.wordpress.com or email us at SpectrumResources@tampabay.rr.com or call (863) 967-0660

Help Us Help Others with a $10.00 tax exempt donation to our financial education fund. In appreciation of your contribution, we will send you a FREE COPY of a book on daily money management from local author Janet Shore titled “Hey ! Where’s My Money ?”. Use the online check processor www.Checkman.com/pay4it/12985 or pay by money order mailed to: SRDC 2014 Brentwood Dr. Auburndale, FL. 33823

"4th Of July And (Financial) Freedom"

You have just celebrated another year of freedom in the United States of America with fireworks, cold drinks and a hot dog or two. Filled with patriotism the cry was heard from coast to coast "Let Freedom Ring !" America has come a long way, as seen upon reflecting back. Also seen are many different cycles in our history . There are great debates going on regarding just how fiscally free the United States is at this point in time compared to our past. The cycles of spending, debt and rebuilding is not new in America. This article is not about America's debt, but your debt, and your personal freedom.

You also have a cycle in life going on. You started as a young person learning what money could do for you. If lucky, someone taught you how to make appropriate decisions in handling money. Sadly not many have been so lucky and they are in bondage, slaves to debt. Just as our forefathers took drastic measures to free themselves from the bondage of England, now is the time for each individual American to take drastic measures to become free. Slavery exist in every home in America where there is debt. You are not free to live by your choices when you are committed to a contractual agreement to pay for privileges and use of the many things that fills your environment.

You can break the chains that bind you to debt by taking a serious look at yourself, your priorities, and your personal values. You determine your self worth. If your self worth is about the amount of holdings that is tied to your ankle with a chain locked by a contract then perhaps you should re-evaluate your values. What do YOU really have, nothing ! The man holding the contract and who receives money from you has something, but you don't. Do a personal audit, for a reality check to which of your debts are based upon 'NEEDS' and which are based upon 'WANTS' .

Make the next 4th of July your celebration of personal financial freedom ! One that supports the real meaning our of nation's founders, for The People to be free. Our nation as a whole will take generations before it can celebrate fiscal freedom. However, you and your family can start today by making better decisions, structure a plan, putting more value on people than things. You can choose NOT to be a slave to a master that holds you down with a little 2"X3" plastic card. You can be financially free by seeking financial education and making better daily decisions because of your empowerment.

Our mission is to teach those who seek financial self sufficiency. We counsel to those with debt, credit and money issues. If you feel we can help please come back to: http://financialeducationandoptions.blogspot.com/ or visit our sister blogs: http://moneysavingtips.polkvoice.com/ , http://spectrumresources.wordpress.com/ . Email us at SpectrumResources@tampabay.rr.com or call (863) 967-0660.

If you find Spectrum Resource's information educational, motivational and/or insightful, please help us help others by making a tax exempt donation of $10.00. To show our appreciation, Spectrum Resources, a tax exempt educational organization will send you a book as a FREE GIFT titled "Hey! Where's My Money ?" authored by Janet Shore. A little 128 page book with a big message. A great gift for a college student or young couple just starting out, and others who are starting over. Please send tax exempt donation as a money order to 'SRDC' 2014 Brentwood Dr. Auburndale, FL.33823 OR use the online check processor: www.Checkman.com/pay4it/12985