Friday, October 16, 2009

How To Improve Your Credit Score One Day At A Time

There are many misconceptions about credit scores out there. There are customers who believe that they don’t have a credit score and many customers who think that their credit scores just don’t really matter. These sorts of misconceptions can hurt your chances at some jobs, at good interest rates, and even your chances of getting some apartments or investing in real estate.

Every time you apply for credit, apply for a job that requires you to handle money, or even apply for some more exclusive types of apartment living, your credit score is checked. In fact, your credit score can be checked by anyone with a legitimate business need to do so. Your credit score is based on your past financial responsibilities and past payments and credit, and it provides potential lenders with a quick snapshot of your current financial state and past repayment habits.

In other words, your credit score lets lenders know quickly how much of a credit risk you are. Based on this credit score, lenders decide whether to trust you financially - and give you better rates when you apply for a loan. Apartment managers can use your credit score to decide whether you can be trusted to pay your rent on time. Employers can use your credit score to decide whether you can be trusted in a high-responsibility job that requires you to handle money.

The problem with credit scores is that there is quite a bit of misinformation circulated about, especially through some less than scrupulous companies who claim they can help you with your credit report and credit score - for a cost, of course. From advertisements and suspect claims, customers sometimes come away with the idea that in order to boost their credit score, they have to pay money to a company or leave credit repair in the hands of so-called “experts.” Nothing could be further from the truth. It is perfectly possible to pay down debts and boost your credit on your own, with no expensive help whatsoever.

Reserve a copy of this newly released book "How To Improve Your Credit Score One Day At A Time" that will show you how to:

* Define a credit score, a credit report, and other key financial terms
* Develop a personalized credit repair plan that addresses your unique financial situation
* Find the resources and people who can help you repair your credit score
* Repair your credit effectively using the very techniques used by credit repair experts

Plus, unlike many other books on the subject, this book will show you how to deal with your everyday life while repairing your credit. Your credit repair does not happen in a vacuum.

For only an investment of $5.99, this book will teach you the powerful strategies you need to build the financial habits that will help you to a keep a high credit risk rating. It really is that simple.

==> http://tinyurl.com/ykg8eev

Go now and start reading and be prepared to start taking small but powerful steps that can have a dramatic impact on your financial life!

Sunday, October 11, 2009

The Benefits of a Real Estate Mentor

I would like to take a moment to share with you the benefits of a real estate mentor. A mentor is defined as “a wise and trusted counselor or teacher, an influential senior sponsor or supporter”. In other words someone with more experience than you in the subject matter. The benefits of a mentor are extremely important specially before you start the business because it would help you to gain more profits.

Here are three reasons why should associate with a mentor today:

1.Self Teaching Is Slow and Painful– If you do not know much about real estate investing, you are most likely not going to teach yourself very well. You need to become an active student and learn a lot of things about real estate investing in a short period of time. Your mentor can accelerate your learning while they can help you get your first new deals and start making some money.

2.Slow Learning Equals Slow Earning– If you are new to real estate investing, you have a lot of things to learn in a fairly short period of time. If you are stuck in learning mode, it will often keep you a few steps away from earning your first checks. Your mentor can make sure you earn while you learn. This concept is very critical to your short term cash flow. If you are a beginner in real estate investing, working with a mentor can make you understand the strategies you want to follow in a real estate business. It will offer you the insight of things you want to do with real estate investing. You can get the basic idea on approach you must follow while pursuing a career in creative real estate investing.

3.Learn To Identify Pitfalls - You are going to make mistakes when starting up your business. You will not be able to identify these mistakes early in the process because you ( like everyone else) wants to believe your ideas and plans are good. You can not identify and correct your mistakes very well. Your mentor can help you identify these mistakes before they significantly slow your business development and bank account growth. The advice from a real estate mentor will help you in learning the techniques for how to look at the properties, making sure that you are spending the right amount of time and money. It is important for you to know and be able to prioritize your business and its dealings. They will help you get the right approach and thought process. They will also help you in formulating the right business plan and will make you to attain profits in future.

Getting the help from a real estate mentor before starting the real estate business can do wonders for you. The major contribution of any real estate mentor will offer you is the expertise to figure out the things you require to understand, the skills you must acquire and the ways to implement these skills in your business. Developing the self-trust and self-confidence can do great for your business achievements. The things you need to do for succeeding in the business can be done only with the help of these factors.

If you do not have a mentor at this time,I strongly urge you go out and get one today!