Go For The Gold!

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Wow! What a week of great athletic accomplishments! Aren’t the Olympic athletes incredible and amazing? And they make it look so “easy” although we know they’ve dedicated years and years to training and practicing. What sets them apart from the ordinary?

They have a plan to win the gold, incredible support systems and a will to stick to it no matter what!

Do you have a plan to get your Gold Medal?

If you, too, want to break records and be a winner - do what the athletes do and “get a coach”, a financial coach to help you Win the Money Game.

Do you wish you could…

* Put Money Anxieties and Sleepless Nights on the Ropes?
* Deal a Knockout Blow to Debt?
* Overcome the Hurdles to a Financially Secure Retirement?
* Gain an Extra Burst in the Dash to the Financial Fitness Finish Line?

In honor of the Beijing Olympics, I’m offering you an Olympic size FREE 45-60 minute “Go For The Gold” Financial Coaching Session so you can learn how to Play a Whole New Financial Ballgame.

Why I’m Making This Opportunity Available

If you’ve been waking up with that tight, tingly, anxious feeling in your chest - if you’re at a money stalemate paycheck after paycheck - if you just can’t get off the money treadmill let me show you
how you can be the Clear Favorite in the Money Marathon.

I’ve been where you are waking up in a cold sweat and laying there worried and stressed all night. I didn’t feel like I had the money for any fun, was always tense and crabby and started to have health problems.

I read books and magazines, searched the internet, called Consumer Credit Counselors (not bad enough) and
investment advisers (not enough money). I was in a hole so deep I didn’t think I would ever recover. And I couldn’t find anyone to coach me to victory.

The answer for me was to make major life changes, including a divorce, and take charge of my own money. That may not be the answer for your (and I hope it isn’t) but now I’m financially confident, financially abundant and life is a lot more fun - I even take vacations now!

In the blackest of times, I never thought there was an escape for me, let alone a Gold Medal.

The “Go For The Gold” Financial Coaching Session is my way of getting you started in the right direction and I win when you win.

AND, I get energized just working with you, no matter what!

What Will We Do In Your “Go For Your Gold” Financial Coaching Session?

When you call…

I’ll give you my undivided attention, ask a few questions and provide my expert and honest opinion. I’ll help you…

Clarify your financial situation and Discover your financial vision
Create key milestone objectives to get you GOING!
Develop a 3 point action plan that you can implement immediately
And Uncover hidden challenges that may be sabotaging your Success

If I feel you need more help, I’ll ask you if you’d like to hear about my services and I guarantee that if I’m not the right person, I’ll point you toward some other resources (and I have a ton).

If you do decide to work with me, I want you to be surrounded by a blanket of support with my unconditional happiness guarantee which I’ll tell you all about.

If nothing else, you’ll have rock solid direction for what to do next because we’ll focus on your financial success (and a good night’s sleep)!

What’s Next?

Click “Go For Your Gold” along with your time zone and whether you prefer morning, afternoon or evening and I’ll send you some available appointment times.
You will receive my Money Wheel assessment which allows me to get a snapshot of your money situation. And, answering the questions gets coaching started right away as you get totally focused on your money dreams and aspirations.
You will receive 45-60 minutes of my time in a coaching call by telephone.

That’s it. Now “Go For The Gold“!

Warmly,

Cindy

P.S. I’m usually swamped when I send out an offer like this so I’ll be taking the first 17 people who respond by August 31. That way, I know I’ll have enough time in my schedule to work with you while we still have Olympic fever.

P.P.S. Do your friends a favor and send this offer on to them.

“Why Your Credit Score Really Matters - In Ways You Might Not Know - And 6 Ways To Improve It”

According to Yahoo, “Improving Your Credit Score” was a real mover and shaker for searches this week. No need to search, Ill give you some pointers right here…

Why Does It Matter?

Most of you know that a low credit score will hurt you on mortgage, car and credit card interest rates. But did you know that a low credit score can hurt you in other areas, too? Such as…

Car and Home Insurance
Getting a Job or a Promotion
Utility Deposits
Cell Phones
Some Medical Procedures
School Loans
Your Marriage

6 Ways To Improve Your Credit Score:

1. Make Sure Its Right

Mistakes in your credit report will ruin your score. So, get copies of your Credit Report through Annual Credit Report.com (not free credit report.com) or by calling 877-322-8228 (it’s OK to give your Social Security Number because you called them).

For those of you who keep up with your Credit Report, Annual Credit Report.com is just fine. If not, I recommend myFico because it’s easier to read and you’ll be able to see all the info at once. It’s also the most like the one that will be sent to your creditors. Annual Credit Report.com gives you one report for each (lots and lots of pages.

You can dispute any errors by writing a letter to the credit reporting agency (you’ll have to do it for all three if the error is on all your reports). Tell them what’s not correct and send copies of any documentation you may have. Request that it be removed or corrected. Go to the post office and send it “return receipt requested” so someone has to sign for it. Keep copies of everything.

Next, let the creditor know that what’s incorrect because if they keep reporting the error, it won’t be removed from your credit report.

2. Know the Truth

Before you can improve your score, you have to know what it is!

You can get copies of your credit report at Annual Credit Report.com for free but you’ll have to pay for the credit scores.

I recommend getting your FICO score straight from the source…

If you get your score regularly and just want to make sure nothing creeps in, you can use two new free credit score website: Quizzle and Credit Karma. I tried both and was impressed with them.

3. Pay Your Bills (on time)

The best “secret” for having and keeping a great credit score is to pay your bills on time. And watch out because the credit card companies are getting sneaky - if your bill arrives after the specified due time (not just the date), it will be late, you will pay a late charge and it will affect your credit score. Mail it in plenty of time or pay online at the creditors’ website (check the fine print first). You might also want to set up automatic payments for at least the minimum payment so you’ll always pay on time even if you are out of town. You can always pay more separately.

Paying any bills late may affect all your other bills. This includes unpaid parking or speeding tickets, library fines, medical and utility bills. These creditors are reporting late and non-payments to the credit reporting agencies, too. I received a bill the other day from my daughter’s college town for a parking ticket shed thrown away; I made her pay it immediately before it hurt my credit score.

By the way, if you are on on-time payer and are late, call the creditor and ask them to reverse the late charge and not report it. Most will but you have to catch it promptly.

4. Don’t close old credit cards.

After you’ve paid it off, put the card in a safe place and keep the account open. The length of your history is an important part of the calculation. Another reason to keep it open is that your “utilization ratio” is another big part of the calculation. This means how much of your credit limits you’ve used up. The ideal is in the 30% range.

Weird, I know. Why would they give you a high credit limit and then not want you to use it? Statistics show that people who are bumping up against their credit lines have a higher chance of defaulting.

5. Don’t’ Go Crazy

Be cautious about applying for lots of credit in a short time frame. Lenders call this “excessive credit seeking” and it makes them think you’re desperate.

If you’re applying for home or auto loans, you have a 30 day window where multiple applications will only be counted once. You’ll want to shop around before actually applying.

6. Don’t Delay

Unfortunately, these steps will not fix your credit score overnight. It can take 3-9 months before you see improvements. However, I can pretty well guarantee you won’t see improvements if you do nothing.

The good news is that even if your score is really down in the dumps, you can improve it and the last 2 years count the most.

What Next?

I know that all of this can be overwhelming from ordering it to reviewing it to making the corrections. If you need help with your credit report, call me. I’m a Certified Credit Report Reviewer and I’ve reviewed hundreds of credit reports.

You’ll order your credit report and send it to me by mail or email. I’ll look it over and well have a 30 minute review to tell you exactly what you have to do. And… If you don’t want to write the letters, I’ll do that, too and send them to you by email so you can put in your private information, sign them and send them out. What could be easier?

You can call me directly at 541-387-2995 to find out more.

Warmly,

Cindy

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