Credit is a 4 Letter Word - Build a Debt Free Lifestyle
| |
ELIMINATE DEBT NOW!
AT LAST, DISCOVER THE HIDDEN SECRETS TO PREVENT DEBT FROM RUINING
YOUR LIFE, YOUR HEALTH, AND YOUR RELATIONSHIPS!
_WOULD YOU LIKE TO LEARN HOW TO:_
* Save money on credit card interest rates?
* Qualify for better mortgages?
* Save on auto insurance rates?
* Get out of debt faster?
* Avoid debt stress, which can destroy your health and your
relationships?
If you answered "yes" to one or more of those questions, you owe it
to yourself and your family to read this entire letter. If you do, the
worst that can happen is you'll get a free report that could change
your life!
-------------------------
DATE: February 27, 2007
FROM: Dennis Becker
HAVE YOU HEARD THE FAMOUS SONG THAT GOES "16 TONS AND WHAT DO YOU
GET? ANOTHER DAY OLDER AND DEEPER IN DEBT?"
The basic story behind the song is that the typical coal miner of
that era would load 16 tons a day worth of coal onto the company rail
cars. The company store gave them credit, with which they could
purchase food, clothing, household supplies, etc. At the end of the
week the tab for what they owed would be deducted from their paycheck.
Invariably the miners got to the point where they owed more than their
paycheck, so they got further and further behind every week. They were
locked into their backbreaking job until the debt was paid back, and
the company made sure that wouldn't happen.
_IS THAT WHAT YOU FEEL LIKE AT THE END OF THE DAY? IS YOUR PAYCHECK
ALL SPOKEN FOR BEFORE YOU RECEIVE IT? OR DO YOU KNOW SOMEONE IN THAT
SITUATION AND JUST WANT TO MAKE SURE YOU DON'T GET INTO THAT BOAT?_
Let me tell you a story about someone I know (the names have been
changed to protect the privacy, but I'll bet you could find a similar
story in just about every town in America):
Jack grew up in a small town in middle America. His parents were
hardly rich, but Jack didn't know that. In his mind, if he could play
ball all day, had a warm bed, good friends, and did well in school,
life was perfect.
When Jack went away to college, he met people of different interests
and backgrounds from what he had been accustomed to. In high school,
making the football team was enough to ensure popularity. Now Jack had
to start over.
The first thing Jack needed to fit in was a new wardrobe. Though his
school budget was tight, everyone needed the basics of survival, which
were food, clothing, and shelter, right? At first Jack's parents were
glad to help him out, and life for Jack was good.
As Jack progressed through his college term, he became more and more
independent and self sufficient. He joined a top fraternity, lived off
campus, and being the lady-killer that he was, he was constantly on
the go. The bills for the new clothes, restaurant tabs, shows, out of
town trips, all added up and became budget busters. But life was still
good because Jack was not only popular in school, he was popular with
the credit card companies who fell all over themselves giving Jack
free money.
_OR SO IT SEEMED._
When Jack graduated, he got a good job with a small up and coming
software company. The pay was OK. In the early 70's, Jack was able to
buy a good used car for around $700 and gas was only 30 cents a
gallon. His apartment cost him $60 a month.
After six months, Jack got his first pay raise. He felt great about
that, and decided it was time to get a nicer apartment. It was further
from work, and his old used car wasn't all that reliable, so he
decided it was time to get his first new car. But it seemed strange.
At the end of the month there wasn't as much money left over in Jack's
checking account as there was before the raise. Jack figured it
probably had to do with the car payment, but he wasn't worried because
he'd be getting another raise soon enough.
_UNTIL THEN, HE COULD USE HIS CREDIT CARDS FOR SOME THINGS IF HE RAN
SHORT._
Jack's boss was a real salesman. He regularly took his people out
for lunch, or for drinks after work. One of the things Jack learned
from his boss was that it takes money to make money. Jack believed
that with all his heart. Jack yearned for the better things that his
parents never had, _but that his boss had_.
_IT SEEMED FUNNY, WHEN JACK DIDN'T KNOW ANY BETTER, HE DIDN'T MISS
THE FINER THINGS IN LIFE, BUT NOW ..._
As time progressed, Jack settled down, got married, and started a
family. It was only a short time before Jack and Patricia decided they
really needed to buy a house. They couldn't afford it, but then again
they couldn't afford not to. Rents in the better parts of town were
going up anyway, and they needed more than a 1-bedroom apartment, so
they bit the bullet and took a mortgage on a nice house in the
suburbs.
Fast forward a few years. Jack's career was going really well. He'd
received nice promotions and raises over the years, they even thought
so much of him that he was given a company car. That sure helped
financially.
But he felt stuck. The long hours, the traveling, the constant
pressure, it was getting to him, and his family was noticing it more
and more. One day he talked to an executive that could really use
someone like Jack for a few months, and right then and there Jack
started thinking about going into business for himself, providing
consulting services in his speciality. He could charge top rates, and
he could set his own schedule. He was sure there would be more clients
after the first job wound down. What the heck, he was still young, if
it didn't work out he could always find another good job anywhere.
When Jack resigned from his job, he had to turn in the keys to the
company car he had been using. Of course that meant buying a new one
that was fancy enough to drive up to clients' offices in style.
_JACK'S CREDIT WAS GOOD, SO THAT WAS NO PROBLEM._
Jack also found out the bad news about paying for his own health and
medical insurance, but Jack wasn't worried. In six months he could
make as much as he did in a year at his old job. And there were more
clients out there, maybe he could bring in other people to take on
more contracts.
_MAYBE SOMEDAY SOON JACK COULD BECOME LIKE HIS OLD BOSS. _
After a couple years of consulting, Jack was in constant demand. He
travelled extensively and though he wasn't constantly busy, it was his
choice not to be. After a couple weeks on the road, he deserved a
break, and loved taking his wife and kids to nice vacation resorts.
Life was very good for Jack. If he couldn't afford the trip that
month, he'd take it anyway, _he could always put it on the card and
pay it off when more money came_.
ORDERING INFORMATION
After a few more years, Jack realized that, although he had become
one of the top experts in his field, his area of expertise was in less
demand now. A computer generation is typically five years, and Jack
had been specializing in his area of expertise for eight years. He
could see a problem coming in the future.
Though Jack had put aside some savings, invested in the market, set
up his IRA's, all was not well. Jack had trouble sleeping. He looked
at his mortgage, his rising real estate taxes, his credit card bills,
and his other commitments. Jack sensed that finding new clients wasn't
going to be so easy anymore, and he was worried. How would he pay his
health insurance premiums, the mortgage, the payments on his loans and
credit cards, the private school tuition for his oldest boy, the real
estate taxes? Could he find a job at age 40 with obsolete skills? And
even if he did, _COULD HE STILL AFFORD TO LIVE IN THE MANNER TO WHICH
HE HAD BECOME ACCUSTOMED_?
Does this story sound familiar? Millions of Americans have lived the
good life so well that they're in debt so deep, they're one illness,
one pregnancy, one accident, or one tax or interest-rate increase away
from possible bankruptcy.
-------------------------
Dear friend,
I don't know what your personal situation is, but credit and debt is
something that almost all of us live with. It's like the old saying:
"You can't live with it, and you can't live without it"!
The graphic on the top of the page states my opinion clearly:
CREDIT IS A FOUR LETTER WORD!
4-letter words are normally reserved for the streets, for the rap
albums, for late night television, right?
So why is credit so popular in our society. And more puzzling, why
can't I count?!!
Let me repeat.
CREDIT IS A 4-LETTER WORD!
When someone gives you "credit", they really aren't _giving_ you
anything of substance. What they're giving you is more intangible,
they're giving you credit for having the financial resources and
responsibility to buy money from them for more than it's worth.
That's right. They're counting on the fact that if they give you a
credit limit of $5000, you'll use it. You'll take their money, or at
least some of it. And after you do that, you'll pay it back slowly.
_With interest. Every month. For a long time._
So if you let them give you $2000 worth of merchandise, they count
on you paying them maybe $2500, $3000, $4000, or more for the
privilege.
What they've given you is:
DEBT
_And my friend, debt surely is a 4-letter word._
So let's get back to Jack for a minute. What did Jack do wrong, if
anything? And how can you avoid ending up like Jack,_ older and deeper
in debt_, with no easy way to get out of it except to win the lottery?
Read the story again, look for clues, you'll see some problems. And
perhaps you have some of those same problems.
_FORTUNATELY, WE CAN HELP._
Whether you're Jack, or like Jack, or want to avoid becoming like
Jack, I have good news.
I've spent months of research, thousands of hours, and have spared
no expense to put together a book called (you guessed it!):
CREDIT IS A FOUR LETTER WORD
or C4LW for short.
C4LW is a reference book that reads like a "How To" book. It will be
your guide regardless of your current financial situation.
FOR THOSE WHO ARE LUCKY ENOUGH TO BE YOUNG AND STILL RELATIVELY
DEBT-FREE, C4LW will show you things like:
* Benefits of setting a budget and how to put one together - page 15
* Ways to attain and maintain a debt free lifestyle - page 19
* Pros/cons of leasing vs. buying on credit - page 58
* Hidden dangers of credit cards - page 40
FOR THOSE THAT ARE CONFUSED ABOUT CREDIT, DEBT, CREDIT SCORES AND
REPORTS, we explain it all:
* How your credit rating affects you, and how to check it - page 95
* A credit card jargon buster - page 37
* Ways to improve your credit score - page 54
* Hidden dangers of credit cards - page 40
* Determinants of your credit score - page 52
SINCE MOST PEOPLE DO HAVE CREDIT CARDS, and most of those people are
just paying the minimum or slightly more, we talk about:
* Ways to negotiate lower interest rates - page 64
* How to choose the right credit card - page 69
* Ways to pay off debts faster - page 77
* How to avoid getting into credit card debt - page 83
OF COURSE, AS YOU GO THROUGH LIFE, YOU'LL WANT TO INCUR SOME DEBT.
For example home ownership has proven to be the best investment of
all, in most locations. If you wait until you can pay for a home out
of savings, most people will never catch up with rising prices. So
this is debt you'll want to consider. We talk about:
* Ways to find the best mortgage rates - page 80
* Pros/cons of refinancing your mortgage - page 89
* Pros/cons of home equity loans - page 87
* Ways to pay down your mortgage faster - page 85
FOR THOSE WITH MODERATE DEBT PROBLEMS, or those that want to avoid
them, there are sections on:
* Simple ways to reduce your debt - page 123
* Tips for better debt management - page 128
* Protecting your credit when having financial hardships - page 133
* Ways to repair your credit yourself - page 105
* Ways to have negative information removed from your credit report
- page 103
* Important financial steps to take after divorce or death of
spounse - page 100
AND FOR THOSE WITH SEVERE DEBT PROBLEMS:
* Alternatives to bankruptcy - page 156
* Things to do before you file for bankruptcy - page 162
* Advantages/disadvantages of Chapter 13 - page 166
* Advantages/disadvantages of Chapter 7 - page 170
AND MUCH, MUCH MORE!
ORDERING INFORMATION
As you can see, "Credit is a Four Letter Word" is indispensible
regardless of your current financial situation, and will be there with
you in the years to come as your situation changes.
C4LW will be your financial guide through the best of times, through
the worst of times, and every time in between, regardless of where you
are now.
_"Credit is a Four Letter Word" is not a book you will read once and
forget about. It's a book that you'll read, highlight, take notes, and
come back to again and again throughout your life and career._
C4LW WILL HELP PREVENT YOU FROM MAKING MISTAKES THAT COULD COST YOU
TENS OF THOUSANDS OF DOLLARS IN INTEREST, PENALTIES, SERVICE CHARGES,
AND INFLATED AUTO INSURANCE PREMIUMS.
It will help you recover from overspending or mistakes of the past.
Or, it could be given to someone who's just starting out in life
that needs some guidance. You know, someone who doesn't want to be
lectured, but still needs some help?
Regardless of your current financial situation, whether you're debt
free, or whether debt is like an albatross on your back, "Credit is a
Four Letter Word" will assist you in making sound financial decisions
from this point forward.
"IT HAS BEEN SCARY FOR ME ..."
If you want to sort your life out and relieve your debt burden, then
this book is for you. Dennis takes you on a financial journey and
helps you to see that you can achieve what you desire, a debt free
life. It has been scary for me to face up to my financial problems but
now thanks to the advice in this book, I feel confident that I can
clear my debt over time. Take action today! When you start to
understand how and why you are in debt, you will realize that there is
light at the end of the Debt Tunnel.
SIMON, YORKSHIRE, U.K.
_LOOK AT IT THIS WAY._
Can you afford to make financial mistakes? What will just one
mistake cost you? A hundred dollars? A thousand dollars? Yes, if
you're lucky. Maybe it will mean you can't retire when you want to.
Maybe you won't be able to take the vacations you deserve and
desperately need. Maybe you won't qualify for the mortgage on your
dream home and have to keep paying rent to your landlord.
_Or, if you're like Jack and millions of other Americans, it might
cost you your freedom, maybe even your health, maybe cause harm to a
relationship. Every day, another day older and deeper in debt. Not
you? JACK SAID THAT, TOO, IN THE BEGINNING._
Do you know that a lower credit score can cost you 5, 10, 15% on
interest rates? Would you like to know how to improve your credit
score so that you can save that money?
Do you know that a low credit score can cost you 100's of dollars
each and every year on your auto insurance? _Just your auto INSURANCE,
not to mention credit card rates, mortgage rates, auto loan rates, and
on and on and on!_
Do you know that having too many, or too few, credit cards can hurt
your credit? Do you think that having one maxed out credit card is
better than 8 cards?
Do you know why credit card companies just love college students?
_THE ANSWER MIGHT SURPRISE YOU._
Do you really understand the fine print in the terms and conditions
of your credit card? If so, do you know that accepting a low-interest
or no-interest balance transfer can really be costing you more money
than it's saving you? _YOU DON'T REALLY THINK ZERO INTEREST OFFERS ARE
GIVEN BECAUSE THEY'RE YOUR FRIEND, DO YOU?_
_WHAT YOU DON'T KNOW IS COSTING YOU MONEY EACH AND EVERY MONTH._
"Credit is a Four Letter Word" is available as a downloadable eBook.
What that means is that immediately after payment is made through our
secure server, you'll be directed to a download area where you can
access your new guide to your financial life. You don't have to pay
shipping charges, you don't have to wait, you don't even have to spend
valuable time and money to go to the book store to find it.
Can you afford to be without this help? If you're like most
Americans, you're overpaying on interest rates, auto insurance,
mortgage rates, and more.
The price of "Credit is a Four Letter Word" will be an investment in
bringing down your debt quicker and easier than you could ever
imagine. You could easily save more per month, every month, for the
rest of your life, than the one time cost of C4LW.
LET'S RECAP.
If you purchase "Credit is a Four Letter Word" today, here's what
you can expect to start learning in the next 10 minutes:
* Why you need a budget, and tips on how to set one. This is where
financial success begins, but sadly most people just don't understand.
...
* Learn how to avoid the impulsive purchase temptation that puts you
into debt! ...
* How to find the best credit cards for your personal situation,
negotiate the best rates, avoid getting into credit card debt, and
stay away from the hidden dangers and traps that steal your money. ...
* Understand credit scores, credit reports, and learn how to deal
with the credit bureaus. Improving your score by just 30 points can
save you hundreds or thousands of dollars, but first you need to know
how the score is calculated. ...
* Lease? Buy? New? Used? Which type of auto deal is best for you?
...
* Avoid liars, scammers, identify thieves, and what to do if you
fall prey to credit card fraud. Millions fall victim to identity theft
every year, don't let it be you! ...
* Repair your credit report and improve your credit score,
potentially saving yourself thousands of dollars every year, either by
yourself, or how to identify qualified professionals or products to
help you. You absolutely have to know these facts before you shell out
hundreds of dollars for credit repair kits or credit repair services!
...
* Why millions of people fall deep into debt, and how to avoid doing
it yourself ...
* The truth about debt consolidation, debt negotiation, debt
settlement, and the various types of bankruptcy. Are you a candidate?
If so, which if any should you choose? ...
* and much, much more!
Once you start reading and using "Credit is a Four Letter Word",
you'll wonder how you ever lived without it. You'll start making
better financial decisions, and you'll learn how to stay out of debt
or get out of debt quicker than you ever thought possible.
ORDERING INFORMATION
Still not convinced? _GOOD._ That means you're resisting impulsive
purchases already, and you need to be shown the value in the things
you purchase. That's one of the things I want to have the opportunity
to show you, and one of the habits that will get you debt free.
If I can show you the value, will that make you feel more
comfortable? I'd like to do just that. Just fill out the form below,
and I'll let you have a sneak peek at the full table of contents and a
few actual chapters out of the full book. If you still aren't
convinced, then maybe you don't need "Credit is a Four Letter Word" as
much as tens of millions of Americans do, but if you're in debt, I'm
sure there's something in here that will save you money and stress.
I'm so convinced that the sneak peak at C4LW will be of such value
to you, that you'll want to own the entire book. If you agree that I'm
offering you a can't lose situation by giving you this free sneak
peak, just fill in your name and email address in the box below.
Get your free excerpt to
"Credit is a Four Letter Word"!
No obligation, and we promise we won't give or sell
your email address to anyone, ever!
(be sure to whitelist our email, credit4@c4lw.com
if you have any email filters in effect.
NAME:
*
EMAIL:
*
However, if you already know you want "Credit is a Four Letter
Word", and want to join the other happy customers that are learning to
get their debt under control, just click on the link below and in just
a few minutes you'll be experiencing the benefits of financial
control!
ORDERING INFORMATION
GUARANTEE AND REFUND POLICY Of course, we stand behind "Credit is
a Four Letter Word". In the unlikely event that you feel it can not
repay your investment 2, 5, 10, even 100 times or more over the course
of the coming months and years, simply contact us anytime within the
next 8 weeks, and your entire payment will be refunded. If that
doesn't make you feel better, consider that our payment processor,
Clickbank, will handle all the refund details. Clickbank is the
payment processor of choice for well over 10,000 authors, and will
make sure your refund is handled easily and quickly. I feel strongly
about making sure that you'll be protected against disappointment,
because of course, I'm positive that you won't be disappointed.
BONUSES IF YOU ORDER TODAY:
If you've read this far, I'm sure that you've seen something on this
page that made you feel that I was talking about your situation. I'd
hate to have you leave this page because you felt that C4LW wasn't a
tremendous value. So, just in case you aren't easily convinced, I'm
going to throw in some bonus products if you order today. I can't
guarantee that these same bonuses will be available the next time you
visit this page, so take advantage now.
FREE BONUS #1 ($47.00 VALUE)
Debt isn't always caused by spending too much. Sometimes it's caused
by a lack of sufficient income. Sometimes it's caused by both, of
course, and those that can improve both ends of their budget (higher
income, lower expenses) can see much quicker results.
So, to help improve your income, I'm giving you my newest product,
titled:
"EBAY SALES SUCCESS SECRETS"
This isn't just a low-budget report telling you the same things you
can learn by going to the eBay FAQ pages, this is a full 75 pages of
tips and instructions to help you learn how to make as much money as
you want on the most popular auction site.
Over 40,000 eBay sellers earn a full time income by selling at
auction, millions more do it part time to supplement their regular
income, it's the ideal way to turn unused items into cash.
FREE BONUS #2 ($27.00 VALUE)
Inside the pages of "Credit is a Four Letter Word", we talk about
identity theft, credit card fraud, how it can affect your credit
report, and more. However, this topic is becoming increasingly
important now, requiring constant vigilence. So, we're also including
two special reports titled:
"Scammers! Make Them Go Away!"
and
"The "Be Careful" Protection Guide"
The titles of the reports give you an idea of their contents,
they're yours free if you purchase "Credit is a Four Letter Word"
today.
-------------------------
ORDER "CREDIT IS A FOUR LETTER WORD" NOW!
By now you're probably wondering if you can afford to purchase
"Credit is a Four Letter Word".
C4LW is not a typical mass produced paper back book that you can
purchase at your local bookstore. Those books quickly become out of
date, and either you're reading useless old information, or you're
needing to go back to the bookstore to buy this year's version.
I could have easily priced this electronic book at $47.00, maybe
even more. At that price, it's well less than just the first
consultation with a credit repair specialist, and far less than what
it would cost to get legal advice about debt consolidation, debt
settlement, or bankruptcy.
HECK IT'S LESS THAN WHAT MOST OF MY READERS ARE _WASTING_ EVERY
MONTH ON EXCESS INTEREST CHARGES.
But, I realize there is a large audience of potential readers that
will be more willing to buy my book if the price is lower. Therefore,
I'm bringing down the price of "Credit is a Four Letter Word" to a
price that might change soon:
ONLY $17.00 FOR ALL THIS!
Yes, just $17.00 for more than just a book, more like a system that
could change your life.
I know this book can be your key to financial survival in these
tough times. As an added bonus, if you suffer from debt stress, it
could also be a medical breakthrough for you as well as those in your
family that are affected by your debt problems!
If you're ready to order now, you'll get all the bonuses, and a 100%
iron clad guarantee of satisfaction. Or, you can just get the sample
excerpt, read it over, think about it, and hopefully that price and
those bonuses will be here when you decide to pull the trigger. It's
your call. Either way, I sincerely hope that, if you have debt
problems, you work them out. Believe me, it will change your life if
you do!
Some information in "Credit is a Four Letter Word" is slanted
towards U.S. laws and financial institutions. However, most of the
information is universal, and will be useful and valuable to customers
in other countries also.
Order "Credit is a Four Letter Word" now
and in just a few minutes after purchase confirmation, you'll
receive the complete book (in PDF format which is compatible with all
personal computer operating systems), and all of the bonuses mentioned
above. We guarantee your satisfaction, and will give you a 100% refund
if not completely satisfied. So, click the button and we'll be waiting
on the other side to fill your order and start you on a path to
eliminate your debt and credit problems!
CLICK HERE TO PURCHASE
Sincerely,
_DENNIS BECKER_
P.S. Don't miss out, I'd hate to see you leave this page and then
forget where you heard about us, I really believe that this
information can make a difference in your life. It made a difference
in mine, I had about as bad a problem as anyone with debt, and the
pain, suffering, research, and answers have been incorporated into
"Credit is a Four Letter Word". At the very least, get the , there is
no obligation, and it contains good information. Even if you don't
come back and purchase the full book, I'd like you to have it. Really.
| | |
