ProsperityNation

Curadebt May Be Your Credit Solution

2011-07-20T09:01:00.000-07:00

One of the most prominent companies that exists today in the field of consumer credit counseling is Curadebt. Curadebt has been providing consumer credit counseling services to clients for years and they have a proven track record for getting people out of debt and on the road towards financial freedom.

Curadebt starts out by analyzing your current financial situation and then developing a personal financial assessment. This includes looking at your income, expenses, assets, and liabilities. After they have the big picture, they can start making suggestions on how you can get out of debt and start living your life financially stable and with a good credit record.

Consumer credit counseling services like those offered by Curadebt have become big business and they are a good option for people who have gotten themselves into financial trouble and don't know how to get out of it.
This company offers a plethora of advice and tools on their website that can help educate you about the bad habits that got you into financial trouble in the first place and then help you take steps to change your spending habits so that the trouble doesn't continue.

Curadebt is one of the first companies to offer these services and they have a great reputation in the financial industry.

Besides offering credit counseling, Curadebt will also offer educational workshops, community partnerships, and financial incentives that can not only teach you about the proper way to use credit, but also how to clean up any messes you've made when it comes to your own credit and credit score.

Probably one of the handiest tools on their website - is the financial worksheets that can help determine your debt to income ratio which can make a difference when you apply for a loan or a line of credit.
See, what the financial institutions look at when they are deciding whether or not to give you a loan, which is whether or not you will have enough income to make the payments required to repay the loan. If your debt exceeds your income, you won't get the loan. This can be a very valuable tool as you will be able to look at your debts and try to find ways to cut down and conserve so that your income exceeds your debt instead of the other way around.

Curadebt is a great company that can help people of all walks of life; both those with credit problems as well as those who want to prevent credit problems. Check them out and take advantage of all they have to offer to make your financial statement look as good as it can.

Back in the late 1950's, a company named Fair Isaac came up with a way to assign a number to consumers that would reflect their credit worthiness which we know today as the credit score. It is a three digit number that tells prospective lenders if you are a good credit risk or a bad credit risk. Your credit rating makes the difference between whether or not you can get a line of credit or a loan.

The credit rating is a snapshot of everything you've ever done regarding the use of credit and your payment history. Fair Isaac Company (FICO) compiles all of this information and then applies a complicated mathematical formula that calculates your credit rating.
The formula is not public knowledge and this is done with the blessing of the Federal Trade Commission. The average credit rating for an American today is 720. Basically, the higher your credit rating is, the more credit worthy you are and the less problems you'll have obtaining credit and loans. However, there are also many, many people with credit scores that fall below the 630 mark which means they are a credit risk and are likely to be denied credit just because of this rating.

Now lenders often know that things happen in life that can't be avoided. If your low credit rating is due to excessive medical bills or life-altering events that reflect poorly on your credit report, you may be able to talk with them and provide documentation and still get approved. Click here to see the website of Curadebt:

You will recieve a free consultation.

It's important to monitor your credit report and attach notes to explain anything that reflects poorly against you.

It's vital that you keep your credit rating as high as possible. That can be done by simply paying your bills on time, not overspending, not carrying a lot of credit card debt, and being sensible when it comes to buying things on credit. You should also check your credit report on at least an annual basis to make sure there are no mistakes on it. One error can bring your score down dramatically.

While some don't like the idea of their whole financial history being scaled down to one three digit number, but in the financial world, the credit rating does rule the awarding of credit. That's just the way it is for now. It's what we have to deal with.

If you want to buy a home or a car or even secure a line of credit on a credit card, you will have to have a credit rating of at least 675 if not higher.

Take steps today to raise your credit rating. Then when you need important things in life, you'll have less problems.

The do-it -yourself method is another option. It will be the less expensive way and the most fulfiling. When you do it yourself you grow taller. It's a option to consider. More information at: http://www.goodcreditmatters.blogspot.com/

Can America Afford Not To

2011-07-15T17:01:00.000-07:00

Our country is in debt. Not only is our government in debt but we as citizens are in debt
ourselves and the problem is getting worse.

Recent studies have shown that 609.8 million cards are held by U.S. consumers. Each card holder
holds an average of 3 (three) cards. Ninety percent of Americans have at least one credit card
and they are using that card ALOT.

The average family carries a balance of between $10,000 and $15,000 on all of their credit
cards. Over $1500.00 per family goes on interest every year. And that's just the average, some
people owe much more.

Overall, consumer debt is 2.43 trillion 793.1 billion is revolving debt of which 98 per cent
is credit card debt. If debt continues at the current rate, then one family in a hundred will
be forced into bankruptcy. Over 90 percent of Americans' disposable incomes are spent paying
back debts.

When you add credit card debt to the regular bills we have to pay each month, it can devastate
a pocketbook. which can tax one's mental stability. As a result, some bills go unpaid and
others are paid late.

Both of these instances can damage your credit, sometimes so much that you think there's no way
you'll ever be able to get out of debt and live a normal life.(I call it BC, before credit)

The truth is that you can get out of debt and restore your credit to nearly what it was before
you had credit problems. It takes some time and a little work on your part but it IS possible.

The secrets of the credit system revealed in this soon to be released powerful and lifechanging
guide. It's called "Give Yourself Credit Too " Instead of being a victim, use the system to your
advantage. It's legal. It's fast and it lasts a lifetime.

Loan approvals and such depend on your credit score. That number is what determines if you can
get credit, what your interest rate will be, and how much money potential lenders will give
you. It tells you Where to apply and what to show and say that is music to the lender's ears.

A good median score is 750 but the higher your score is, the more financially soild you are.
This guide which some refer to as the Credit Bible is the great equalizer. Revealing the secrets of the
system and turning the tables on the money changers. The average man and woman finally has a
chance.
There is life after debt. There is hope for a brighter tommorrow.

Ethics Are Good For The Country-They Are Good Personally

2011-03-31T10:39:00.001-07:00

The American Heritage Dictionary of the English Language states in it's new college edition that

“2. The rules or standards governing the conduct of the members of a profession. “all citizens share in the blame for lax municipal ethics. (Christian Science Monitor). 3. Any set of moral principals or values. 4. The moral quality of a course of action;fitness;propriety: I question the ethics of his decision.

I don't know anyone in the industry who hasn't been touched by the sleaziness of some sort of laxes in ethical behavior. It seems that in some cases this type of behavior is taught and pasted on to the new-bies.

I've found that many people who are not a part of the over-all industry but has had some type of dealings with the internet marketing industry, has walked away with a bad taste in their mouths and bad things to say.

This reputation is not growth orientated. The industry is losing tons and tons of money. Practicing ethics and following a code of ethics portends an explosive growth of the industry. Ethics are a good

business practice.

It seems that since the wall street fiasco, question about ethics in the industry has ballooned. Buying by consumers have slowed because of fear.

The citizenry is suffering from an ethics depression. The citizen could stand a ethical inoculation, especially the business people in the country and in general, the people in the internet marketing community.

In the internet marketing industry we could adopt a code of ethics. There may be such a device that exist already. I'm unaware of any code that pertains to the marketing industry except The American Marketing Association's Code of Ethics. It's directly related to marketing in general but has a section for the internet marketers also.

Adopting The AMA's Code of Ethics maybe the way to go. A document can be drafted for the industry in particular if necessary.

In the course of executing business at times a fine line is drawn between the ethical and the unethical.

One marketer may really believe it is alright to say his/her product is the best and another may say there is none better implying that theirs is as good as they come. These marketers seem to disagree on approach.

The first marketer maintains that there is nothing wrong with his/her statement and the other one doesn't want to be guilty of outright lying. They tell the truth around the edges. They “fib” to the consumer.

A psychologist would never disclose information about his/her clients outside of their professional duties. To do such, would be a violation of their workplace ethics, or their moral/professional standards. A good mechanic and I said, a good mechanic would never repair a item on a automobile while intentionally sabotaging another. It would be unethical. In the same manner, it is considered unethical to advertise a product as having certain qualities if the product doesn't have these advertised qualities.

There is room for disagreement but it shows why the industry needs a code of ethics that is clear and unambiguous. Everyone will follow the code for the industry. Well maybe not everyone, but enough will to make a difference.

Each occupation has certain general ethical standards that are agreed on, for the existence of their

profession. Let's make our move now. Practicing ethics is a good business practice.

2011-03-19T15:14:00.000-07:00

DOUBLE DIP RECESSION

Is the recession over, yet! It seems like it, it feels like it, it just might be. I'll go out on a limb and say that the recession is over. At least the first part is.

Enthusiasm

2008-05-02T17:29:00.000-07:00

If you could choose just one skill or emotion to build the rest of your life on. Choose ENTHUSIAM!!! There are others that may bid you well. But I would bet on ENthusiasm.

Enthusiasm conquers your fatigue, it will give you added energy and add energy to others around you.
Enthusiasm conquers suspicion in others.
Enthusiasm makes others want to communicate with you.
Enthusiasm makes others overlook your small shortcomings.
Enthusiasm not only creates instant friendliness and trust, but also leaves friendliness and trust behind it.
Enthusiasm makes others willing to link their names to yours.
Realize everyone has enthusiasm and the more you use it, the stronger it gets. Has your enthusiasm grown rusty? Give it some practise and it will gleam and glow. Bring it right out where everyone can see it. How long has it been since you've believed in something and sounded off about your enthusiastic belief? Practise your enthusiasm and it begins to swing and sing.

Positive Mental Attitude

2008-04-19T14:06:00.000-07:00

Ten Basic Motives
The desire for self-preservation
The emotion of love
The emotion of fear
The emotion of sex
The desire for life after death
The desire for freedom of body and mind
The emotion of anger
The emotion of hate
The desire for recognition and self-expression
The desire for material gain

When you know principles which can motivate yourself, you know principles which can motivate others.

Reactive - Proactive Mindsets

2008-04-19T13:28:00.000-07:00

Reactive Language ---------Proactive Language

There's nothing I can do-------Let's look at our alternatives

That's just the way I am------ I can choose a different approach

He makes me so mad----------I can control my own feelings

They won't allow that---------I can create an effective presentation

I have to do that ------------I will choose an appropriate response

I can't------------- I choose

I must ------------I prefer
I only ------------I will

Natural Laws of Prosperity

2008-04-03T09:53:00.000-07:00

There are laws and there are laws. There are laws that are concerned with the operation of the Universe. (law of gravity, law of attraction, law of repulsion, Murphy’s law, etc.) There are laws that are concerned with Prosperity. (law of Attraction and Radiation, law of visualizing, law of command, law of self-confidence, law of prayer.
Just as sure as the laws of the Universe, keeps you from turning upside down and walking on your head. The laws of Prosperity obeyed, will prove to supply everything good in it’s sphere.

We are filled with pent-ed substance, energy and divine ability with works for us, through us and around us. You release this pent-up power for prosperous living through radiating thoughts, feelings, prayers and mental pictures of success—sometimes modest success to fill an immediate need—sometimes all embracing success to enrich the very source of your continued livelihood.

As you do so, your thoughts, feelings and mental pictures are radiated outward into the rich, powerful ethers of this universe, where they make contact with the eternally generous substance of divine intelligence and power. This universal substance then moves among and works through the people, conditions and opportunities, which correspond to the rich radiations you have sent forth, and the prosperous results then appear! No, not by magic, But the laws of Prosperity rule prosperity.

There is one major reason why poverty persists among people who are surrounded by opportunity and everything they need for a prosperous life. They fail to give due credit to the Basic law of Prosperty. The most important I think.
YOU MUST GIVE BEFORE YOU CAN GET
The good book speaks that “you must give before you can receive.”
Give What? In almost all cases, the most effective gift consists of your MINDSET…..shown in the right word, the right attitude, the right frame of mind! Often the value of a material gift lies in the faith behind it.

A Prosperity Mindset

2008-03-30T14:09:00.000-07:00

MINDSET, that's where it originates. It's what you set your mind to. It's what you think about a good deal of the time. We here at the institute call your attention to a special feature of these techniques, they are written from several different viewpoints to help you fit each great technique to your specific needs, to fit your specific ambitions. Anything you wish! Let your dreams soar where they will, because now you have the means to make your dearest dreams come true!
Prosperity will mean money, and along with all that money can buy, you can enjoy a vastly increased measure of priceless energy and health! Your new self-confidence, your freedom from many worries and nervous tension, your prosperity privilege of resting when you wish-- all build your resources of well-being along with your resources of money.
Prosperity no longer need be an uphill struggle of ten, twenty or thirty years! With the tools and method supplied in this completely coordinated program, you can build your life of prosperity so soon you"ll be wide-eyed in wonder! Yes, you may have an occasional setback. You will, of course, have to exert some effort and personal faith. But if you persevere, as we know you will, magnificent success will crown your efforts. You literally can not fail. Set you mind on your success.
Read with a marker in hand. Mark passages which particularly appeal to you. Fill in answers to questions where indicated. Make you own notes on each Reminder page. The more you personalize this program, the more it will help you--first as you learn and practice these techniques--later when you review. Remember Mindset, Mindset, Mindset. Set your mind on your success. We can show you how, but you'll have to exert the energy. Let's get on with Lesson No. One.

DOOMED-Brace Yourself

2008-03-19T18:37:00.001-07:00

We, here at Essential eResources have been saying for almost a year, that the economy was heading for a recession. Now many economist and over 74 per cent of the population believe we are in a recession. The normal indicator weren't showing true. But the real estate market, home building and construction which had be the support of our economy, had begun to show signs of weakening. The economy was tanking. Hardly anyone was taking that real hard look to spot the coming dilemma.
New indicators and clearer vision is needed in these global times.
"If it helps any", says Al Smith of Essential eResources, "our economy will recover but at what cost and at whose expense."

Robbers of Prosperity

2008-02-25T13:23:00.000-08:00

Inflation.Stagflation, Reccession,Depression.
All of the above must be curbed or erased or somehow wrung out of our economy at all cost. The value of our way of life and our economy is destroyed by these robbers of properity. Yes things can rebound but how long will the recovery take? What will the cost be?
"The type and quality of lives that we live, that our childred and grandchildred live is dependent on the actions that we take NOW" says Al Smith from www.essential-eresources.com . There are several things a citizen can do now. Call your congressperson, prod your leaders, voice your concerns. Tomorrow may be to late.

MindSet

2008-02-13T18:29:00.000-08:00

I know this person who is a championship runner, whom I recognized as such about 4 years ago. Before I met him personally, I would see him everyday running along the way, from my house to the inner city. When I say everyday, I mean everyday. In good weather, bad weather, raining, snowing, sloppy or dreary he ran. To me, it was everyday. Being a student of MINDSET, I had to meet this guy and ask him about his MINDSET. Next time I saw him, I stopped and while running along side of him, I ask him if I could ask him a few questions about his daily habit of running.
This is what I found out. He had been running for over 12 years. He could hardly walk a mile. when he started. Now he ran over 20 miles daily. He ran regardless of the weather. Regardless of how he felt, he would run. He said he looked forward to running. Running is a part of his daily routine. He felt his good health, and his powerful frame of mind was a result of his running routine. He was a committed runner. He was a champion.

To me, it was the MINDSET. In order to succeed, one must set the mind on your desires. (Goal)
Set your mind on Prosperity. It works.

Healthy Tip

2008-02-08T15:54:00.000-08:00

What you eat, is what you are. Eat healthy, be healthy, stay alive and enjoy the blessings of properity. I love dessert, I eat delicous homemade, nourishing "good to be alive" pies.
From it nourishing healthy ingredients to it's individual servings, this you'll find is a great tip,
and a delicous one too.

Do you deserve Prosperity?

2008-02-08T15:35:00.000-08:00

To start, it is crucial that you have the success mindset. The feeling that you deserve to be prosperous. That means the seeds of prosperity are within. You need to get it to grow. The more you nourish this mindset the more powerful it gets. Properity Nation is about helping grow this mindset. All of us are traveling this road to prosperity. We can share tips, advice and strategies on how to get there. Join in.

Prosperity

2008-02-03T16:00:00.000-08:00

What is that which I seek?

According to "the Merriam-Webster Dictionary" Posperity is a thriving condition. Success, economic well-being.

I don't know about you, but I want in.
Hints, guides, tips, advice and strategies on "how to" get there, get to the land of refuge.

I ask and plead with those who are honored to be citizen of this fabulous place to provide the rest of us with points on the road by posting hints, guides, tips, advice and strategies that will aid us along the road to Prosperity.