Retirement Investing Crisis

By Doug West

If the meltdown on Wall Street has taught us anything about investing it is this:

"You Better Learn To Make Your Own Investment Decisions - And Not Let Brokers Make Choices For You!"

This is a basic fact we have been preaching for years now. Many times investors either blindly throw money at the market or let a broker do it for them. With a little effort you could learn to direct your investment accounts and retirement funds on your own.

In this article we want to point you in the right direction, and give you a few crisis tips too.

ETFs (Exchange Traded Funds) are an excellent alternative to mutual funds as an investment vehicle for your retirement or other accounts.

There are now ETFs that cover every sector of the market. ETFs offer many advantages over mutual funds. Here are just a few:

* Tax Advantages - ETFs seldom sell any equity positions or create taxable profit midstream. Mutual funds do this often. With mutuals, you could owe tax on part of the funds holdings (the winning stocks they sell at a profit) even though you lost money over all. A double whammy!

* Less Management Costs - Even No-Load Mutual funds have become top heavy with many "Professionals" employed and eating up GIANT parts of the profit. You might think of ETFs as Electronically Traded Funds. MUCH less management costs (in some cases no management costs) and the ease of trading them.

* Diversification - Let's face it, this is what was attractive about mutual funds to begin with. Instead of picking out stocks on your own, you had "Professionals" (with the meltdown we can see that most of them are not too professional) putting together a diversified portfolio for you. With ETFs, you can get the same if not better diversification without the hassle of dealing with a mutual fund giant eating up all the profits.

* Easy To Trade - With true mutual funds you can only get out of a position After the market closes. You can trade ETFs just like a stock in your discount brokerage account. If you were locked into a fund when the market was in crash mode, it was not a good feeling. Had that been an ETF you could have bailed at any time (before the DOW closed down 777 points!)

We could go on with the benefits of ETFs, but you should be starting to see the picture. An even better way to call your own shots with your investments is to trade the index (or indices for plural). We are referring to the mini Dow, the S&P eMini, the mini Russell and others. (there are also ETF's the mirror the indices such as "SPY" for the S&P 500 index)

While we focus on mini-Dow trading, any index will do. With Index trading, you just follow the overall market up, or ride it down with a short position.

While we are on the subject of shorts it would be good to mention that while most US mutual funds are not allowed to short a stock, you can actually buy ETFs that do good with the market is dropping. One such fund is ticker "DUG" which does well when the Oil price is dropping (a tip we gave our readers after the big run up in oil to over $140 per barrel - at the time of this writing it has been dropping since).

You can find other ETFs that do well in falling markets. So, you don't have to short the market (statistics show that 80% or more of investors never do short the market - but are always looking for a upward bull run), you just buy the right ETF and let it do the shorting for you. These are at times referred to as Inverse ETFs.

By now, many investors see the importance of having a strategy for making money when the market is dropping. Most investors have yet to develop this strategy. We prefer to do it with simple index trades. Whatever you do, find a way to make your own moves and don't depend on someone else to invest your money for you. No one will take care of your money like you will!

*********************************************************** NOTE: To learn more about ETF's visit Yahoo Finance and look under the Investing Tab at the top of the page - then select ETFs www.finance.yahoo.com ***********************************************************

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Debt-Free Report

Index Trading VS. Stock Day Trading

By Doug R. West

I've been successfully trading the index over 6 years now. Some seem to think that this somehow has something to do with day trading stocks. Or, at least they try to compare it to stock day trading.

We prefer Index Trading, there really is no comparison to day trading stocks. With stock trading there are Many things you really need to know about the companies you will be buying or selling short. In fact, the majority of stock traders Never sell a stock short or bet against the company (which means you are betting the stock price will drop). Not being able to profit in a down trending market is a Major setback for an investor.

With Index trading we are only concerned with index movement. We don't even care if it is going up or down. We just want the index price to move! We can place our trades short or long with equal eaze. There is no market or company research to do, as we really don't care what the individual companies are doing.

For instance, if you were looking at a company with the thought of buying stock, you would no doubt want to know what the PE ratio was, who the board members or major stock holders are. You should want to know if they are buying or selling. You might want to know what the BIG fund companies are doing in that sector (finance, health care, big pharma, tech sector etc), and many other factors (or at least you should). Then you might use a chart to time your entry or exit strategy.

With index trading, it is all about the timing. You just want to know what the highest probability is for the next few minutes. Then you make your trade accordingly. If you have dependable data supporting your chart set ups, then you should take winning trades most of the time - Regardless of the fundamentals listed above!

By now you should know that what is happening right now in the market is controled by emotion. More correctly traders emotion. We can tune into that emotion with simple set ups, and go for a short ride. We might even get into a long ride, but we are going to set up protection that will help us no matter which way it goes. When the index moves against us, we will get out fairly quickly. When it moves in our favor, we will let it ride as long as we can.

Now, if you just enjoy doing all that market research, go ahead. However, we have taught hundreds of stock investors to trade the index (mostly mini Dow and the S&P Emini), and the majority of them never go back to stocks!

Another advantage of index trading is the lower funding requirement. Stock day traders will need at least $25,000 in their accounts (depending on how many trades they make), where index traders can get started for $2,000 or less!

Index trading also offers a lot better leverage that stocks. The emini indicies are comparable to the leverage of stock options, without all the headaches and limitations.

After the financial meltdown, I predict there will be MANY more investors looking at index trading as a Great alternative to stocks!

About the Author:

Mini-Dow Index Trading Made Simple. Discover how to build your trading income. Get Doug's Debt-Free Report. Read his blog here.

New Reverse Mortgage Law Gives Home Buyers Another Option

By Tiag Vanrock

Borrowers, aged 62 and older, now have an additional financial tool to help them purchase that home they formerly thought was out of the budget. As of january 1, 2009 the government is allowing the reverse mortgage to be used the fund the purchase of a home, rather than just as a refinancing tool. The program works almost identically to any other home purchase with a mortgage. The borrower brings in adequate downpayment, and the mortgage company funds the loan.

This comes as a boon to some seniors as financial or credit restraints prohibit them from purchasing their next home. Now they can do so and are not obligated to make monthly payments the mortgage company.

In recent years, due to general need and national marketing by major financial institutions such as Wells Fargo and Bank of America the reverse mortgage has come into its own. Its major benefit to seniors is to allow the senior borrower to convert the equity in the home into cash to be used at the borrower's discretion.

Eventually, when the home is sold voluntarily by the borrower, or the last surviving borrower passes away, the loan is paid back to the lender. The mortgage company makes money from the accumulation of interest over time. Those moneys are repaid to the lender when the home is sold.

These are the steps to the purchase program:

1. Consult with an FHA approved reverse mortgage lender. In the discussion the lender will determine down payment requirements, purchase price limits, and various reverse mortgage options. The lender should furnish borrower with a letter of approval.

2. Go home shopping and write contract based upon guidelines in the approval letter.

3. The approval letter will roughly outline down payment and closing costs. The borrower deposits this amount with the title company.

4. At closing, the reverse mortgage company funds the remaining balance and closing costs if desired by the borrower.

5. Borrower takes ownership of the home.

6. Borrower lives in home as a primary residence. The borrower is then only obligated to pay property taxes and homeowners insurance until death or sale of property.

Reverse mortgages have been and always will be primarily for those in need of funds to supplement lifestyle. The purchase program simply offers a new financial tool. Some seniors, as my phones have already started to ring, will definitely excercise this option.

About the Author:

For more info on this subject go to Reverse Mortgage Guide in Texas Details Home Purchase. Another good one is Questions Answered - Texas Reverse Mortgage. If you don't live in Texas, still give it a go. The info is good everywhere.

Stop Foreclosure - The Loss Mitigation Alternative

By Tomasheus Privetsky

If you find yourself facing foreclosure, there are probably several contributing factors, which have led to your situation. You might have lost your job, suffered an illness (and its accompanying medical bills) or been through a divorce. However you get here, one thing is certain; the bills are piling up and it is getting harder and harder to make ends meet. Even worse is the situation of having an adjustable rate mortgage whose interest rate has skyrocketed, making your payments much larger.

However, while you're occupied by trying to stop foreclosure from happening, you're being constantly deluged with calls, letters and even house calls.

These foreclosure investors specialize in chasing homeowners just like you who are close to losing their homes. They're interested in buying your home and profiting from it, because they believe you must sell the home.

Should you sell to an investor to avoid being foreclosed on? Maybe, but certainly not as your first option. And only after you exhausted other foreclosure prevention means such as rearranging your loan.

You Can Stop Foreclosure Through A Workout Of Your Loan

Once you have missed a couple of payments, your credit rating will begin to be affected your credit score will likely drop considerably, which will make it extremely difficult to refinance your current loan.

Every mortgage lender in the country has a Loss Mitigation department established with the sole purpose of reducing lender's losses on loans. They work to put homeowners who fell behind on payments on a repayment plan to bring your loan out of default. The best thing about Loss Mitigation alternative is, unlike a new loan, it doesn't require a credit approval.

If You Do Get a Workout Plan, Beware of the Challenges

The loss mitigation departments at mortgage lenders tend to be understaffed, especially right now with mortgage defaults on the rise. The employees in these departments do their best but have very little time to devote to each homeowner's case file. This means that lenders tend to offer you a standard repayment plan which may not meet your needs, for example, the monthly payments will likely be too high for your budget and the time limit given to get back on track far too short.

Because you're between a rock and a hard place you're tempted to take it to keep your home from being foreclosed on. In reality you just set yourself up for a failure. A few months down the stretch, you'll be back in foreclosure again.

Watch Out When Hiring Workout Professionals To Stop Foreclosure

You may be much better off by hiring a professional to handle the loss mitigation process for you. These companies know the ins and outs of the loss mitigation process and often have strong relationships with mortgage lenders nationwide. They have successfully helped thousands of homeowners stop foreclosure.

These companies will look over your finances and help you come up with a repayment schedule, which is possible for you to meet; payments will be kept as low as possible to make it easier for you to make your payments. These companies have intimate knowledge of the programs offered by different lenders and can negotiate a better deal for you than you would be offered by the lender on your own. They may even be able to negotiate a lower interest rate on your mortgage, which will lower your payments.

Given your financial difficulties, you may think that hiring a professional service like this will be beyond your means. Thankfully, this is not the case. Most of these companies charge a flat fee, usually equivalent to a monthly mortgage payment. Since they can often negotiate a deferral on your next mortgage payment, their services often pay for themselves.

How to Cut Your Losses if Loss Mitigation is Not in Your Plans

What if loss mitigation isn't a possibility for you? Then you may have to go ahead and sell your home to prevent having a foreclosure record on your credit report. Listing your home for sale with a realtor is the best way to go if you have ample time, since you will be able to get a higher price for your home. If you are short on time, you may find that selling to an investor makes the most sense; just try to deal with an investment company, which has the resources to close the deal quickly.

About the Author:

As you can tell, there's more than one alternative to avoid foreclosure of your home. Visit our website to get a referral to a loss mitigation company that can help you avoid foreclosure.

Rush Card & Baby Phat Rush Card - Review

By Dan Moskel

This card was created by co founder of Def Jam record label, Russell Simmons. This is a prepaid card and is issued as the rush card or you can get a baby phat rush card.

The baby phat prepaid card works this way; you make a deposit on your card, then you can use your card to make purchases, then the funds to pay for those purchases are deducted from your card. The card offers 100% guaranteed approval.

There is no credit check or chex systems verification. You can have a card issued to you in black or in pink.

This card offers free direct deposit. To use this you simply fill out a form and turn that into your employer.

Then your paychecks will be directly deposited into your rush card account. You will still receive pay stubs to inform you of hours worked and what your deposit is.

This card can be used at ATM's over 800,000 locations throughout the world. In addition you get free online account access.

You can make purchases using your rush card online and over the phone. You can also use your account and write physical paper checks.

To do this you simply go online and fill in the payees details. This includes address, name, and amount of payment.

Then a physical check in your name is sent to the payee. This is a great way to pay your bills, no more buying money orders.

With bill pay you can save money on buying money orders. If you use direct deposit you will no longer have to pay check cashing fees.

However, we do not recommend the rush card. This is because of the number of fees they have that other prepaid cards do not carry.

An example is the convenience fee. This is a fee you are charged every time you use your card.

The charge for this fee is $1.00. There is a maximum charge of $10.00 a month however you will be charged this $1.00 fee every time during that month.

Only at the end of a full calendar month will the extra convenience fees be refunded to you.

This can work out to you waiting almost a full two months before you are refunded for your extra charges. This is insane, furthermore who only uses their card ten times in a month?

Furthermore to be charged for every purchase you make seems outrageous. Then to have to wait for a full calendar month to expire before you are issued your refund is unbelievable.

To enroll in bill pay the rush card will charge you $2.00 and then another $1.00 for every check you write from your account. There are other prepaid cards where this service is free.

The rush card claims there are no hidden fees however that seems to be a very contradictory statement. Especially when you are forced to read the fine print to discover that you will be charged one dollar for every purchase you make.

In sum, we do not recommend the rush card to anyone. There are good prepaid credit cards; however this is not one of them.

About the Author:

Instead we suggest the account now visa they offer free activation, free direct deposit, free credit builder & free bill pay. We also suggest the all access card to read a review visit us.

Folklore and the Reverse Mortgage

By Xerine Raziel

I received a phone call from a local real estate professional. She called in response to an ad I placed detailing how seniors can buy a home using the reverse mortgage to fund the purchase.

The realtor lady showed interest in the purchase program, but before getting needed answers, she decided to go into a long drawn-out story about a person wronged by a reverse mortgage company.

In efforts to stop the rampant spread of misinformation, falsehoods, mythology and every other "ology" you must read this entire article. You can't read the next four or five paragraphs, stop, and tell everyone you know the painful effects of the reverse mortgage.

The real estate agent had a friend, who had a friend, who had a father (Strange how rumours get started) who obtained a reverse mortgage on his home. The father passed away and the house willed to the FOAFOAR (which is much easier than saying Friend Of A Friend Of A Real estate agent)

Well, more money was owed to the lender, at the time of his death, than the home was worth. According to the realtor the mortgage company required repayment of the entire amount owed.

The property eventually sold to repay a portion of the money owed the lender. The lender forced the FOAFOAR to pay the remaining balance of forty-thousand-dollars.

Is this story possible. I suppose so, but it is highly unlikely. FHA makes up the rules for lenders in the reverse mortgage business. One of the rules states that a lender cannot force the borrower or family to make up the difference if there is a deficiency. Thus the term "non-recourse" is associated with reverse mortgages.

If a deficiency exists at the time of repayment of the reverse mortgage, either the borrower or heirs go through the same drill.

The mortgage company will require a real estate agent to list and market the property for sale. In the process the realtor will furnish comparable properties so the mortgage company knows the property will be sold at a fair market value. Eventually the home is sold and the lender is repaid the sale price less closing costs.

Per FHA rules this net amount is what the reverse mortgage lender can get from the borrower or heirs. It can't get the remaining balance, if one exists. It's not a great deal for the lender. It must write off the difference as a loss.

This is one of several myths flying about regarding the reverse mortgage. The reverse mortgage may be a strong tool for you to utilize, or a poor choice given your circumstance. But don't assume you know until you really know. Call a professional or two first.

About the Author:

Get 6 more myths revealed plus five monster blunders at the Reverse Mortgage Texas Guide. To learn some great questions to ask try 5 big league inquiries for your Texas Reverse Mortgage lender.

Using the Advice of Debt Consolidation Counselors to Get Out of D

By Caden Flynn

Do you know your exact financial situation? If you have a lot of debt, you may not even have a clear idea of how many cards you owe money on, or the exact amount you owe to your creditors. Whether you are just beginning to rack up debt, or owe thousands, you should consider debt consolidation. The best place to go for debt consolidation advice is to experts with the knowledge to help you.

Where can you find debt consolidation professionals? Many banks and financial firms can give you advice to help manage your debts. Many debt consolidation companies can offer you a financial expert or debt management counselor to get you back on track. While you can find some helpful advice on the internet, be careful who you trust with your finances.

When you visit a debt consolidation company, they will start by having you fill out a form with information about your credit history, your existing debts, and who you owe this money to. So before you turn to a debt consolidation professional, be sure you have a clear understanding of your debts. Then, they'll come up with a plan that you can reasonably follow, and help you with the next steps to becoming debt-free.

Debt counselors are very helpful if you've fallen into debt because they can teach you strategies for staying out of debt in the future. Most people fall into debt simply by overspending, and debt counselors can help you change your lifestyle to avoid doing this again and again. Credit cards can be useful, but only if you use them responsibly. If you have fallen into debt with credit cards, they can teach you how to cut down on your spending so that you can pay off your debts.

You may be concerned about how to pay for a debt counselor, but actually it should not cost very much. Most of the advising can actually be free. Discuss the costs with the company or bank with which you are working, making sure that there are no charges on their debt relief service packages that will surprise you later. Of course online advice is free, but it may be wise to go with a professional if you're serious about getting a debt consolidation counselor or getting yourself out of debt.

If you find yourself falling into debt, it's important to start getting yourself out of it right away. Get your advice from a debt counselor who understands your situation and can make a plan that will work for you. If you follow their plan completely, you can find your way out of debt.

About the Author:

Knowledge you can use for everyday living on the subject of debt consolidation packages. Drop by today at http://www.debtjerk.com/debt-consolidation-loans.html.

A Mortgage Refinance Primer

By Ned Dagostino

Mortgage refinance is an option most house owners look at from time to time. The big question they ask themselves is: Should I? Well, that depends on the particulars of the case. Generally people go in for mortgage refinance either to save money on the interest they pay, or to consolidate sundry debts. The crucial factors that merit consideration when deciding the 'Should I?' question are noted below for your information.

If you are facing a difficult debt repayment situation with a number of repayments to manage every month, then it is definitely a good idea to put all your loans under a single 'roof' and deal with a single repayment issue. Just make sure you choose the repayment plan that suits your monthly cash flow. The question of saving per se does not arise here, since you are refinancing for a different purpose.

You may have gone in for a variable rate mortgage plan when the interest rates were low. The interest rate in this plan is linked to the market rate. If there is a rising trend in the market rate which is not likely to abate, you may well change your mortgage to a fixed-rate plan in which the interest rate is equal to or less than the current rate.

Whatever the reason for refinancing, you should study all aspects of this important decision very carefully. The one thing you should understand is that while refinancing your mortgage could save you a packet, it could just as easily cost you a packet. Refinancing can hurt you in certain situations.

Many a time, refinancing companies fail to mention what the actual cost of refinancing is. You may think you have hit upon the perfect plan which will save you at least $10,000 over the next 10 years. Only, you find that you have to pay brokerage fees of $1200, a foreclosure penalty of $8000, and some other fees amounting to $1300 to initiate the refinance! So instead of saving $10,000 you actually end up losing (in a manner of speaking) $500! Even if you don't end up 'losing' money the amount of saving may be so low as to be negligible, in which case the whole refinance exercise is pointless and best avoided.

Refinancing your mortgage is a serious financial decision. Therefore you should perform a due diligence market survey before taking up a refinance option. Find out the various plans and schemes offered by various companies in your locality and online. Carefully weigh the pros and cons of these schemes and tabulate your results for easy analysis.

You may not know it, but refinancing may impose certain penalties on you. The previous financier holding your mortgage may impose a penalty to release the mortgage. This could be heavy if you have not anticipated it. The mortgage broker can exact a fee called origination fees or simply as 'points', which could severely affect your savings. Take all these penalties and payments into consideration when computing your expected savings.

Refinancing will be beneficial for you if you are able to save more than you spend on all the fees and penalties involved in refinancing. One very important factor that you must consider is whether there are chances of your moving out before the refinanced mortgage expires. If there are good chances of your moving out soon, then, far from saving you money, the refinance is going to cost you a packet!

Refinancing your mortgage can be very helpful indeed. It can save you quite a bit. You should survey the refinance market very carefully and minutely. Find out all the options available to you. Find out all the fees and charges that will be taken upfront. Compute the savings you expect to make and then deduct the upfront fees to determine whether taking the refinance is a good idea. A wrong decision here, a single point overlooked, can mean ending up losing money with the refinance. Remember, refinancing is a very serious financial decision. The benefits differ from situation to situation, and sometimes even within the same situation.

About the Author:

There are many other refinancing choices available to you besides a basic house refinance. You can refinance just about any loan including your vehicle, trailer, or even a manufactured home refinance can put extra cash in your wallet. Go to www.Home-Mortgate-Refinancing-Loan.com to learn more.

Collaborative Divorce Can Save You Money

By Mike Mastracci

You're probably not looking forward to all the spending that comes along with the holiday season. It's expensive out there, isn't it? Saving money seems to be on everyone's mind these days, doesn't it? Divorce is expenses and protracted litigation can increase costs exponentially, leaving you and your spouse with staggering legal bills to contend with as you each struggle to begin a new phase of life.

In a collaborative case the parties and their respective collaboratively trained attorneys engage in a series of 4-way meetings with the goal of reaching acceptable resolutions for each spouse. It simply costs more to fight and it sure doesn't do much good when there are children involved. People are often totally shocked at the costs of divorce when everyone is in fight mode.

Most often, children of separation and divorce face a future with significantly less financial security than children from intact marriages. It simply costs more to maintain two households. Funds for school trips, enriching activities, and college are often limited or non-existent. Collaborative divorce allows you and your spouse to design a child support arrangement that meets the unique needs of your family.

For many, collaborative divorce allows both parties to dissolve their marriage while maintaining respect for each other and establishing positive ongoing communication. Where children are involved, collaborative divorce allows them to benefit from the continued emotional and financial support of both parents. Protecting our children from adult conflicts is something that you can't put a price on.

Collaboratively trained professionals are not only concerned about the outcome, but the process. If you have children together, you and your spouse will still have to deal with each other for many years after the divorce is final. Learning how to co-parent is an important step in learning how to act in your children's best interests.

Generally speaking, lawyers often to not require as much as an upfront retainer in collaborative cases as they might otherwse charge in a contested case. From the attorney's perspective, collaborative billing methods work well because when the money stops, so does the attorney's obligation to work on your behalf. In contested cases that are already in the court system., a lawyer must generally file a motion with the court and get permission to get out of the case, once he or she is in the case, this is not true with collaborative cases, as they are handled outsde of court.

About the Author:

If you are thinking about separation and divorce Learn More About Collaborative Divorce and save finances while maintaing control over the outcome. You can turn a potentially ugly and expensive divorce into an amicable and fair resolution of all related issues. Learn More About Collaborative Divorce

Useful Hints On Cash Advance

By Don Pedro

Dealing with cash advance is something that needs extra attention since if you don't know exactly about the whole procedure it can hurt you pretty badly. So it requires proper knowledge about the whole thing. So you need to have proper guidance and advice in case of handling payday check online.

The main purpose of payday loans is to provide you the financial support that you need at the present time. If you are badly in need of money in a short period of time you may go check in the internet for help and there you will find online cash advance payday loans.

This online loan service is in most occasions provided to the citizens of the particular country for the sake of protecting the investment of the organization that handles the whole system. In case of UK only a British citizen can get a 24 hour loan sanction. In most other cases the system is same since it is relatively more difficult to keep in contact with a foreigner.

Never go for the cash advance company about which you are not feeling quite comfortable. Especially when there are many such organizations available for serving the same purpose why going for the one whose terms are not looking very promising? If you are not satisfied with one then there are always a number of alternatives from which you can pick one.

The advance cash giving organizations always look forward for the protection of their investments. For that, they always ensure the loans for a person who has a job at least for the last three months. It gives them a surety that the loan you are taking can be retrieved. So without a job there is a little possibility to get a 30 seconds loan.

So the first thing about you getting the loan is you must have a steady job. The financial institutions are very much aware about that and they never grant any loan before getting assured that you have a stable job.

When it comes to seeking loan from advance cash provider organizations always make sure hat the one you are going for is a reputed one. No matter how good and easy the terms are of an institution never go for them if they are not very much well known. By asking questions through online you can judge them.

In case of getting a bad credit payday loan facilities in US, you need to be a US citizen above 18 years of age. But even if you are not the citizen of US you can still get the loan from some financial institutions of you meet the main terms they offer.

About the Author:

Don Pedro provides interesting information about Small Business Loan Uk , or Cash Advance In Bank Of America on the site at http://www.cashadvancehints.com

Credit Repair - secrets Revealed

By Daniel Fox

There is only a hand full of reliable Credit Repair E-Books on the internet today. It may not seem that way when you do a Google search for such keywords as: credit repair e-books or credit repair e-kits. That's why I find E-Books to better suit the "moderate budget" consumer's needs. E-Books are much cheaper, and frequently and easily updated.

After reading this E-Book, it becomes clear that this author is highly knowledgeable in the consumer credit repair field (the consumer side and the creditor/bureau side). The Author also points out what banks and creditors look for in a consumer, trying to obtain a loan or credit card. This E-Book was written with one group of people in mind: the credit challenged population with moderate budgets. It evens reveals seasoned trade-line secrets, with out paying the $2,300.00, mentioned above. The best part is that they are there 24/7 with any questions you may have. That's what sold me!

This means doing it yourself. Spend some time researching the possibility of repairing your credit yourself. All it takes is a little patience, time, and a little know how. You could invest $25-$35 on a "How To" credit repair book from your local book store. The only problem with a traditional paper back book is the fact that, the credit law changes frequently. This will allow room for non-intentional error and indirect misinformation in your credit repair process. This could result in time wasted and more importantly money wasted.

All it takes is a little patience, time, and a little know how. You could invest $25-$35 on a "How To" credit repair book from your local book store. The only problem with a traditional paper back book is the fact that, the credit law changes frequently. This will allow room for non-intentional error and indirect misinformation in your credit repair process. This could result in time wasted and more importantly money wasted. This means doing it yourself. Spend some time researching the possibility of repairing your credit yourself.

Consumer Victory Credit is by far, the most user friendly Do It Yourself Credit Repair E-Book on the internet today. It will only set you back less than $10, and it downloads instantly. I highly recommend it! Good luck in you credit restoration process.

Out of all of the reputable E-Books you can purchase online, the publics "Credit Repair E-Book" of choice these days (according to sales and web traffic), is Consumer Victory Credit's - Credit Restoration E-Book. This particular E-Book is definitely becoming more and more popular on the web. This Do-It-Yourself Credit Repair E-Book was written by a seasoned Mortgage Banker, familiar with the ins and outs of the consumer credit industry's mind set. This in itself brings a lot to the table so to speak, which translates into a huge advantage for anyone who utilizes this information. This no-brainer how to E-Book includes every type of dispute letter you will ever need, debt and money management (in plain English), how to stop the collectors from harassing you, and much more.

About the Author:

More information on credit report repair Articles ? how to repair credit You can visit: Article24.info