Work From Home Scams Or Is Cash Gifting Real

By Mentor Sam

You have asked yourself this question I am sure.... Is it real???

Looking online can be work just finding a opportunity that works. The Abundant Living System is no different. With all the flashy promises of making the seeming easy $2500.00 a week it all seems like alot of hype and build up to a scam.

Being as though I have lookedfirst hand at The Abundant Livinging System and I must say I am totally shocked at what I have found out. Although there are hundreds of "make $500 a week" ads and websites out there, theirs seem to be different. I compared it to a few other money making programs online that I've made thousands with to see what all the talking about cash gifting was about.

Like any other "work from home business it to has over 500,000 references to it on those search engines. Also in small business magazines in book stores it's in alot of those ads there as well. But good marketing doesn't mean that a work from home opportunity is not a a scam or a rip off..so I looked more closely at it.

Wow! .. On youtube and other video websites there are tens of thousands of videos talking about cash gifting on their own videos. I'm sure you've seen them with all the money being counted out from the overnight fed ex packages. I figured they were all fakes and sent the money to themselves and wanted you to send them cash money for nothing. I began digging deeper.....

It started looking like my hunt was over and I had snached the covers off the scam of cash gifting..... then it dawned on me .. why not call on of these people and confront them on the fact that I had all these cash gifting programs to be one big ring of people scamming online business seekers... so I did it!

I called a lady up and we began to talk about the fraud and scheme of this cash activity on the internet and all these fake videos of cash envelopes being opened. And we talked........and we talked....... I just did not believe her no matter what she said I couldn't understand how it all worked. Why would someone send me $500 in the mail to join a website, it made no sense to me.

...2 weeks went by and I got a call from a ex co-worker who got fired for having a big shouting match with the manager ( great way to get a raise ) He told me how he lost is car and apartment and had moved into a basement with some neighbors who had the internet. He unfolded his personal story from that to recieving in 1 day $7000.00 cash to his door. Naturally I did not believe him...I mean who would believe that his Abundant Living System could do that.

I think you know what I did after I saw the envelopes,cash and website right....I began doing the exact same thing and didn't really believe it would work.... kinda just hoped it would and in 5 hours I made $500.00 cash sent by overnight delivery.

About the Author:

Mentor Sam Has Found the Perfect Easy Cash! plan that privatly makes Thousands!

Work From Home Scams Or Is Cash Gifting Real

By Mentor Sam

You have asked yourself this question I am sure.... Is it real???

Looking online can be work just finding a opportunity that works. The Abundant Living System is no different. With all the flashy promises of making the seeming easy $2500.00 a week it all seems like alot of hype and build up to a scam.

Being as though I have lookedfirst hand at The Abundant Livinging System and I must say I am totally shocked at what I have found out. Although there are hundreds of "make $500 a week" ads and websites out there, theirs seem to be different. I compared it to a few other money making programs online that I've made thousands with to see what all the talking about cash gifting was about.

Like any other "work from home business it to has over 500,000 references to it on those search engines. Also in small business magazines in book stores it's in alot of those ads there as well. But good marketing doesn't mean that a work from home opportunity is not a a scam or a rip off..so I looked more closely at it.

Wow! .. On youtube and other video websites there are tens of thousands of videos talking about cash gifting on their own videos. I'm sure you've seen them with all the money being counted out from the overnight fed ex packages. I figured they were all fakes and sent the money to themselves and wanted you to send them cash money for nothing. I began digging deeper.....

It started looking like my hunt was over and I had snached the covers off the scam of cash gifting..... then it dawned on me .. why not call on of these people and confront them on the fact that I had all these cash gifting programs to be one big ring of people scamming online business seekers... so I did it!

I called a lady up and we began to talk about the fraud and scheme of this cash activity on the internet and all these fake videos of cash envelopes being opened. And we talked........and we talked....... I just did not believe her no matter what she said I couldn't understand how it all worked. Why would someone send me $500 in the mail to join a website, it made no sense to me.

...2 weeks went by and I got a call from a ex co-worker who got fired for having a big shouting match with the manager ( great way to get a raise ) He told me how he lost is car and apartment and had moved into a basement with some neighbors who had the internet. He unfolded his personal story from that to recieving in 1 day $7000.00 cash to his door. Naturally I did not believe him...I mean who would believe that his Abundant Living System could do that.

I think you know what I did after I saw the envelopes,cash and website right....I began doing the exact same thing and didn't really believe it would work.... kinda just hoped it would and in 5 hours I made $500.00 cash sent by overnight delivery.

About the Author:

Mentor Sam Has Found the Perfect Easy Cash! plan that privatly makes Thousands!

What If You Can't Pay All Your High Priority Debts

By Ian Pelham

Although everyone has slightly different priorities most people will want to pay debts required to maintain essential shelter and transportation before worrying about other debts.

For some people in serious financial difficulty they might find that their salary is not enough to service both their mortgage and their car finance.

Some people mistakenly pay their smaller, lower priority debts when they realise they can't maintain the payments on their higher priority debts. They tend to think, "If I can't pay my car finance, at least I can pay my credit cards."

Not a good idea at all. Virtually every strategy to keep your home and your car will mean you have to resume repayments again in the future. If you can't make the payments just now, get in touch with your creditor and see if they will accept partial payments in the meantime.

If you are unsuccessful, save the money. You can use it later to make a lump-sum down payment to get caught up or to cover the costs of moving to a new residence or buying a new car.

Another pitfall to avoid it making desperate choices. Although it is hard to accept that you will lose a home or a car or other valuable property, the alternatives can sometimes be worse.

For example, refinancing a low-rate mortgage with a high-rate mortgage may buy you a few months, but in the long term the situation is likely to be hopeless.

Most times you stand a much better chance of arranging something with your existing lender than you do with a finance company who gives out high interest rate loans, and might very well be more inclined to foreclose.

There are many strategies for dealing with debt problems discussed throughout this course. Occasionally, though it is best to step back and accept the inevitable change which money problems sometimes require.

Perhaps you can no longer afford to live in the home you are currently in, or maybe you need to sell the car you have now and replace it with a much cheaper one. At this point there are things you can do to make the changes in your life more bearable.

These may include selling the property at a good retail price to avoid a low foreclosure sale price or giving up the property in exchange for a promise that the creditor will not make you pay any deficiency.

These choices are difficult and have to be made based on your individual evaluation of your long-term prospects. Once the choice is made, however, it is a good idea to stop making payments on that debt in favor of other pressing items.

Continuing to pay a debt on property that you will lose in the long term anyway is expensive. You do not want to "throw good money after bad."

Feelings of moral obligation to particular creditors.

In deciding your priorities, you may feel that some creditors are more entitled to repayment that others. You may have good feelings toward some creditors, but bad feelings toward others.

You should never let these feelings become a factor in your decision making. Having your family thrown out of their home with nowhere to go just to pay your local dentist and accountants bill is far too much of a sacrifice.

If a creditor is sympathetic or has done you favors in the past, they are more likely to be patient as you work out your financial problems.

A similar situation arises in small towns or villages where there might be only one or two doctors or dentists servicing the community. You might not want to lose the access you have to these people and so you may feel obligated to pay their debts first. This may be a relevant concern but only in limited cases.

You should not assume that a business or a doctor will cut you off from future service right away if you don't pay. Explain the situation and ask for patience.

Similarly, before assuming that you need to use a particular creditor, look around. There may be others in or near your community who are available in a pinch.

Everyone has financial problems at one time or another. It is nothing to be embarrassed about. Ask for help from creditors with whom you have a good relationship if you need it, and explain that you will make every effort to pay when you get back on your feet.

About the Author:

Ian Pelham is a marketer who has come through a very difficult time financially. He used debt consolidation loans to restructure his finances. Using a debt consolidation loan was one of the best things he did to rid himself of his bad debt.

Credit Card Fees And Interest Rates

By Darren Cason

Many American consumers have recently defaulted on their credit cards. Recent hurricanes along with high gas prices have affected consumers. However, having to pay more for gas should not be enough to push you over the edge, if you are using your credit card responsibly.

There are many excellent reasons to use credit cards. They eliminate the need to carry large amounts of cash, and many offer rewards points or cash back options. Discover Card in particular offers a well-known cash back program. Credit cards also come in handy during emergencies, as a convenient way to make unexpected purchases if you do not have cash saved up for such emergencies.

However, the bottom line is that if you can't pay cash for a purchase, then you should not charge it. Credit cards are often used to buy luxuries that you can't really afford. Being able to make the minimum payment is not the same as being able to afford the item.

If you have a balance on your credit card, particularly if you only make the minimum monthly payments, then you need to get control of your finances. First, read the fine print of your credit card agreement. If it has a yearly fee, cancel it. If it has an exorbitant interest rate, call the credit card company. Many will lower your rate just for asking. Next, compare the late fee, especially if you are often charged this fee because you pay late. By shopping around, you may be able to save money on the fees.

Penalty rates can be very high on credit cards. Over three quarters of credit card companies raise rates as a penalty for carrying a monthly balance and paying your bill late. However, there are still some companies who do not do this, so if you often carry a balance or are late paying, you should look for a credit card with lower interest or one which will not raise your rates. Another penalty fee to watch out for is the fee charged for going over the card's credit limit or when you desire for the best card to transfer.

Another factor to consider when choosing a credit card is the minimum payment. Minimum payment amounts are very important when calculating the total amount of interest you'll owe on the amounts you charge. If you're charging items because you can't afford them in full now, why would you want to pay interest on top of that amount? According to one study, paying the minimum payment on a $12,000 balance at 18 percent interest will take more than 60 years to pay off! And you'll end up paying nearly three times your original balance because of all the interest charges. Many people only make the minimum payment each month, but it will take you many years to pay it off if you do that. As a result, new laws require that the minimum payment is at least 1 percent of the balance. If you paid that on the same $12,000 balance, it would cut the payment time to 30 years, and the interest down to less than $6,000.

You must understand how credit card fees if you want to use them responsibly and avoid falling into debt. Think wisely, and avoid using the card if you can.

About the Author:

Learn more of what Darren Cason has to share over at www.debtjerk.com. Knowledge you can use for everyday living on the subject of best card to transfer to lower interest.

Britain's Debt

By Abbi Rouse

Over the past few years, our economy has become bloated; due to Brits bingeing on debt and not done anything to work off the excess, claims Reform.

A new report from the independant think tank reported that it is not just consumer borrowing that has caused the countrys coffers to become corpulent with debt, as the public structural budget deficit has become the fourth highest of all countries in the Organisation for Economic Cooperation and Development. The group states that Britains trade deficit is continuing to burgeon, while public spending programmes are based on out-of-date and over-optimistic forecasts for gross domestic product (GDP) growth. Meanwhile, this tendency to rely on cheap credit cards and cheap loans to support spending habits has produced an economy that is unfit and working inefficiently.

It warned that in the coming years, the average taxpaying family will pay around 4,000 pounds to rebalance the national debt, equivalent to 100 billion pounds in tax contributions every year. So too, it noted that this tax increase - amounting to 6.6 per cent of GDP - does not take into account the additional burden which will be borne by further fiscal stimulation packages.

Ahead of the pre-Budget report, which will be announced on Monday 24th November by Alistair Darling, warned that simply injecting more public money into the banking industry will have little lasting effect on the state of the countrys economy. Reform also warns, that cutting public expenditure on vital long-term development programmes is equally ill-advised, claiming that recent history shows, cutting spending will inevitably lead to increased investment a few years down the line.

The group insisted that there is only one course of action that will relieve the strain of the national debt: "In order to move beyond the obese economy, Britain has to consume less and work more. Households need a sense of direction towards a higher saving, lower tax economy. The short-term objective is the same as the long-term path to economic growth - to increase productivity. This should be the theme of the Pre-Budget Report and of Budget 2009."

In addition, the group called on the chancellor to focus the following key objectives: personal productivity, private sector productivity and public sector reform.

Finally noted by the group is that, as people are vital to the economic recovery there must be support from the government; to help them stop relying on loans and credit cards for example, but have them start spending their own money.

For those who have seen their finances blown out to sea in the recent economic storm, taking out a debt consolidation loan may prove an effective way to get back on a firm footing monetarily. Meanwhile, the number of people who are in need of a debt consolidation loan may grow in the coming months as the independent financial advice site the Motley Fool warned that millions of Britons are unprepared for a recession.

About the Author:

Abbi Rouse writes for All About Loans. Our visitors can apply online for car loans. We also specialise in cheap personal loans, and debt consolidation loans.

Review of Lexington Law Firm

By John Cooper

Lexington Law is a professional credit repair service. They are headquartered out of Salt Lake, Utah.

They have 22 lawyers and over 400 employees. They have been in business for 17 years and have served 1/2 million people. They will dispute bad credit items on your credit report.

Is credit repair legal?

Yes, credit repair is legal and your responsibility. The Fair Credit Reporting Act passed by congress gives you the right to dispute any item you feel is not accurate on your credit report. This law also says that any item that can not be verified must be removed by the credit bureau.

How will it work?

You forward a copy of your credit reports to Lexington. You also indicate what items you want them to dispute.

Then Lexington will create a dispute letter on your behalf and send it to each credit bureau. Then you will receive notification from the bureaus regarding the disputed items and if they were verified by the creditor or if the bureaus removed the item from your report. You then forward these updates to Lexington.

How long is it going to take?

This will vary depending upon how many items you wish to dispute. However you should expect a minimum of 6 months and a maximum of 12 months.

How much is it going to cost.

They have three levels of service. The prices are $39, $59, and $79. There is an upfront set up fee of $99.

Can't I do this myself?

Yes, we actually encourage you to if you have minor damage on your report. For you to dispute an item you must create a dispute letter and mail it to each credit bureau.

Once the bureaus get your letter they will investigate. They will contact the creator of the negative item and ask them to verify the account, the dates of delinquency, and the balance. If the account can not be verified then the bureaus must remove the item from your credit.

What else should I do to repair my credit?

Credit repair is not just removing negative items from your report. We suggest you open a revolving line of credit. This will help you build a positive payment history by making on time monthly payments. This factor is weighted almost as much as negative items on your report when your score is calculated.

In sum you can repair a low credit score. By building a positive payment history and removing negative items you will improve your score.

About the Author:

For more about Lexington Law or more credit repair tips visit us.

Low Rate On Your Balance Transfer

By Michael Benifez

Credit Card Balance Transfers

If you're like most Americans, you get tons of credit card offers by mail, email, and over the phone. Many times, these calls and offers are just a waste of time, but every once in a while, you may actually come across an offer of some benefit. These offers typically come in the form of a good balance transfer rate.

If you currently have a card with a high interest rate, transferring to a low rate balance transfer card may really take some burden off your pocket book. Some cards even offer zero percent on balance transfers. If you're really serious about saving, you can transfer your balance and refrain from using the card for additional purposes. This way, you're paying off debt with no interest what so ever.

Finding a card with a good balance transfer rate should be relatively easy. Aside from the fact that you're proably getting telemarketing calls on a daily basis and tons of offers in the mail, there are countless numbers of online sources to help you in your search. You may even considering contacting customer service from a few of the more popular cards to find out what they can offer you.

If you find that you're not having much success in finding a card that is right for you, consider contacting your current provider. The people in customer service there may be able to help lower your current rate, especially when they learn you are considering changing to a new card in order get a better rate. Because they truly value your business, they may work with you to provide a solution you're happy with.

In most cases, keeping the low rate on your balance transfer only requires that you pay your bill on time. Make sure you are familiar with the guidelines the agreement set forth by your credit card company and stick to them without fail. If you neglect to make your payments on time, you may very well end up with a rate that is higher than the one you had before you made your balance transfer.

Do your best to make an informed decision about the credit cards you choose and set aside some extra time to ask questions regarding possibility of having low apr rate as well as additional . Making the transfer via phone will be simple and relatively quick, all you will need is your current information and a few minutes to answer questions.

Transferring a balance can be an effective way to save some money and improve your credit at the same time. If you're struggling to make ends meet, paying down debts interest free can be a lifesaver. If you find yourself trying to dig out of a credit card hole, take the initiative to transfer the balance, your wallet will be happy you did.

About the Author:

Knowledge is power - get more power and find out more about low rate cards. Visit us at http://www.everlife.com/low-apr-credit-cards.php.