Is Abundant Living System Is A Scam ?? by Mentor Sam

By Mentor Sam

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

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

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

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

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

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

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

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

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

About the Author:

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

My Mama Told Me Cash Gifting Wouldn't Work! by Mentor Sam

By Mentor Sam

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

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

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

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

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

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

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

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

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

About the Author:

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

Can't Pay All Your High Priority Debts?

By Ian Pelham

Taking into account individual differences, the vast majority of people would prefer to pay the debts required to maintain a roof over their heads and transport needs before seeing to any others.

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

One serious mistake that some people make in this situation is to pay smaller, low-priority debts if they cannot keep up with their high priority debts -- "If I can't pay my mortgage, at least I will keep up with my credit cards."

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

If you just can't, put the money to one side and don't use it. It's best used at a later date as a lump sum payment to make up for missed repayments, or buying a cheaper second hand car for cash or to cover the costs of moving house.

Although difficult, really do try to avoid making poor choices. It is hard to face the fact that you may lose your home or your car, but the consequences of poor choices can sometimes be far worse.

A really bad thing to do, for example, would be to re-mortgage your home and replace your low interest mortgage with a higher interest mortgage just to give you a few months breathing space.

There is almost always a better chance of negotiating a solution of sorts with your existing lender than there is by taking on finance from a finance company with high interest loans who may have an overly enthusiastic repossession department.

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

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

You may need to sell your home at a reasonable retail price so as to avoid a low price at a foreclosure auction, or making an agreement with your lender that they can take over ownership of the property without making you pay any shortfall.

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

You absolutely do not want to pay debt on a property that you realise you cannot hold onto at all in the long run. You do not want to throw your hard earned money into a lost cause.

Feelings of moral obligation to particular creditors.

When you are analyzing your priorities you might feel that some creditors deserve repayment more than others. You might like some creditors whilst really loathing others.

These feelings should rarely be a factor in deciding which debts to pay first. Giving up the family home to pay off a creditor for whom you have good feelings is too big a sacrifice.

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

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

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

Also, you may find there are other creditors nearby who you can use as alternatives should the need arise.

The vast majority of people experience financial difficulty at some point in their lives. It really is nothing to be embarrassed about. Ask for help if you need to from those creditors who you have a good relationship with, and promise to do all you can to pay them back quickly as soon as you get back on your feet.

About the Author:

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

The Need for Tax Filing Help

By Tim Richardson

When you file your next tax return, the odds are better than even that you will need some tax filing help. Most people think that the tax codes are complex and they do not really understand many aspects of tax returns. Whenever they receive their W-2 or 1099 forms, they take them to a tax preparer for him or her to take care of it.

While it is fine to take tax documents to a tax prepare to get tax filing help, it is best if the taxpayer understand how to file his or her own tax return. By understanding tax credits and tax deductions, the taxpayer can ensure that the tax preparer helps him or her claim as much as possible from the IRS.

Although tax preparers are equipped to give tax filing help and correctly input all the tax information on tax returns, it is up to each taxpayer to give them the most accurate information about himself/herself. Taxpayers know about themselves much better than tax preparers know about them so if the taxpayers withhold some information that are vital for claiming tax credits or tax deductions, the tax preparers will not know.

Some taxpayers would prefer to prepare their own tax returns and not get tax filing help from professional tax preparers. This can save money because tax preparation services such as H&R Block can charge anything from less than $100 for a simple tax return to hundreds of dollars for more complicated tax returns. If preparing own tax return, the taxpayer may want to check out some IRS publications to make sure that he or she understands what to do.

If a taxpayer does not get any tax filing help and end up making mistakes in his or her tax return, he or she will need to correct the mistakes. This can be done by filing an amended tax return. To avoid having to re-file a tax return or to file an amended return, it is easier to get the help and do it right the first time.

Yet another easy way to get tax filing help is to use a tax preparation software. There are many good and easy to use tax software such as Tax Cut or Turbo Tax that will help taxpayers prepare tax returns in a short amount of time. These software can cost very little but if a taxpayer wants a software that comes with lots of worksheets, then it is more expensive. However, the most expensive the tax software, the easier to use.

In general, it is best to get the tax filing help you need before you file your tax return. You can avoid the headache of having to file an amended return by making sure that everything is reported and claimed correctly the first time. There are many organizations that offer tax filing help for free.

About the Author:

Searching for some tax filing help yourself? Swing by the tax filing help Organization's website today for lots of assistance & information, all for free, on filing your taxes, even if your finances aren't yet organized.

It's Your Credit - What Is A Good Credit Score?

By Christine A. Mathews

If you're thinking about applying for credit, it's always a good idea to find out what your current credit score is ahead of time. It will be one of the first things your lender looks at when reviewing your application. And it could well be a determining factor in how quickly your loan is approved. Knowing what your credit score is before you apply will help eliminate any surprises along the way.

What exactly IS a credit score?

A credit score is simply a number calculated by the three major credit bureaus that indicates how well you handle credit. This is done by reviewing your past credit history and looking at how you are doing with any current debts as well.

The three major credit bureaus (Equifax, Experian, and Trans Union) all have their own way of determining your credit score. But they each use the same standard scoring system to show how credit worthy you are. It based on FICO, an acronym for Fair Isaac Corporation. That's why you'll often hear people use the term "FICO Score" when talking about credit scores.

The truth is, lenders won't always ask for credit reports or credit scores from all three credit bureaus when you apply for a loan. Fortunately, since the "big three" all use the same FICO system, a score of 680 from one is thought to be the same as a score of 680 from the other two credit bureaus. Even so, it's a good idea to review your credit report from each one, as sometimes mistakes are made. When that happens, you should contact the credit bureau to have them corrected.

Where Do You Fall - What Is A Good Credit Score?

FICO scores range from 375 to 900 points. A higher score is typically considered a better risk. So the higher your credit score is, the easier it will be for you to get credit and the better the terms will be.

While each lender has his own criteria to follow, here is a general guide that shows how credit scores tend to rank.

If your credit score is 650 and above, this usually indicates very good credit history. This means you will probably find getting credit approval is quick and easy. Another bonus for having very good credit is that the terms of your loan will likely be very good, too.

"Average" credit tends to fall somewhere between 620 and 650. This is considered basically good, but you may find lenders need a little more documentation or explanation before they approve your loan. They tend to be a bit more careful, looking for any possible credit risks before they approve a large loan or high credit limit.

Chances are good that you will be able to get credit at a good rate and decent terms. It's just that instead of quick and easy, it can take a little longer to get approval.

A score below 620 doesn't automatically mean you won't get credit. But you may need to shop around a bit to find the right lender. You should also understand that the interest rates and terms of your loans won't be as desirable.

About the Author:

It's easy to see that your credit score plays a big part in the type of credit you are able to get. If you find your credit score isn't as high as you'd hoped, don't despair. There are things you can do to improve your credit rating starting today! For more articles on personal credit and how it works, visit http://CreditHelp.ImprovingYourFinances.com

Credit Card Fees And Interest Rates

By Darren Cason

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

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

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

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

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

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

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

About the Author:

There is more to learn on best card to transfer to lower interest. Click on the link to visit http://www.debtjerk.com/selecting-balance-transfer-credit-cards.html.

Free Credit Repair Service - It Does Exist And Where?

By William Blake

Free credit repair services defy the notion that nothing in life is free. It is possible to find credit repair service that offer their services free of charge. There are not many of them and to work for you they require that you meet certain guidelines that they have established. To locate a free credit repair service is not an easy task. It will take some searching, but they do exist.

One way to find a free credit repair service is to contact someone just starting their credit repair business. They will need the experience and may be willing to provide the service free of charge. This will help them get their business off the ground and help their new client as well.

Of course a person like this is not easy to come by. But it doesn't hurt to talk to others who may know of someone starting up their own business. This is a situation that you will have to search for but it may prove to be worth your effort. It could be a great savings for you.

Other Ways To Find Help

Another way to get free credit repair service is to advertise in the paper or in an online advertising site that you are willing to trade. Maybe you have something that you want to sell or trade in return for a free credit repair service.

If you have a skill or a talent you may be able to use that to your advantage. Offer to give lessons and teach your skill in exchange for help repairing your credit. You may be surprised at the positive results that come from a little creative thinking.

A great place to start is with close friends and relatives. If someone in your family has previously or is currently working for a company that offers the service of credit repair they may have learned a few things on the job that will enable them to be of help to you. Ask them if they would be willing to give it a try. You may be able to really benefit from their experience and knowledge.

If there is no one who has a job related to credit repair maybe there is someone who has needed such a service in the past. Through their personal experience they may have acquired sufficient knowledge to be able to work with you to repair your credit. They can teach you what they know and down the road you may have the opportunity to do the same for another person who finds himself in a similar situation.

About the Author:

Are you tired of struggling to keep up with your credit card balances? Get some simple credit card tips on the Debtopedia website. Get a free copy of my report "Secrets Of Credit Card Debt" at http://www.debtopedia.com

How To Get A Good Credit Score

By Daniel Lewis

Making a healthy credit grade is serious in today's society. Receiving a healthy grade tells potential employers, business organisations and creditors that you are responsible and will likely pay any bills on time. This type of information is utilized in all walks of life. You must have a healthy credit history, if you wish to buy a automobile, buy a new home or even look for a new job.

To be able to buy a new car or home, an person must have a good standing in their credit history. To be able to buy luxury items like vacations on your charge card, you must first repair any credit problems you may have if you desire, long-term financial freedom. You can pick up this information without too much trouble and the healthy news is, it's free.

You can pick up out your credit grade on the world wide web as they are many business organisations that provide this info for free. There are companies that will provide people with their credit grade for free on an annual basis. You are able to view your credit score or any outstanding bills by answering a few easy questions, which most people would be able to answer. If you locate that you have a bad credit grade which will block you from purchasing anything on hire purchase, there are a number of things you can do to rectify the problem.

Paying off any old bills is one of the things an person shouldn't do to increase their credit grade. Even if this was for 10 years ago, it will aid in credit individual's credit grading immensely. Once the bills] are completely wiped clean, an person can begin obtaining a no credit or bad credit Master Card or Visa. This will be helpful for a individual to begin acquiring a fabulous credit mark and be able to buy their dream home or vehicle. This can help a person to increase their credit grade, which will enable them to purchase a new motorcar or their dream house. Paying off any old bills will help a individual increase their credit mark and assist them to buy luxury items on the credit.

It requires only a a couple of short months to gain terrible credit and it takes a a couple of years to produce a better credit grading. A healthy way to start would be to purchase a few small items and then almost straightaway pay them off. Once you have shown your charge card company that you can pay off the balance quick, they will increase the amounts you can spend and at the same time step-up your credit rating.

Every person runs into hard times in their life. Paying your bills for a couple of months may be a trouble. once you get into this type of situation you will have problems getting out of debt, at the same time your credit history, plummets. There are methods to ensure that each person can gain a marvelous credit scoring once again. A few bad months out of life does not need to detour a person from eventually obtaining excellent credit for the things they desire in life.

About the Author:

Kurt Russel writes cool stuff. Get more of it at bad credit