Do you happen to be sick of taking the bus to school? Maybe you happen to be tired of having to walker to class bad weather? Perhaps you need a car to get to and from your brand new job that you started. If you happen to be a student that is looking for an easier way to get around there most certainly is an answer! You can easily apply for student car loans, even if you have no credit or poor credit.
Student Auto Loans have two major advantages:
1. Purchasing a new vehicle will help you eliminate all of your headaches when trying to get around.
2. Using a auto loan to buy a new car would help you build your no credit or bad credit profile into a positive one. Each monthly payment you make on your new car loan will be reported to each and every major credit reporting agency.
So if I happen to have no credit, how am I going to get approved for a car loan?
Well, with the majority of car loan companies, just being young and having little to no credit isn't a factor when it comes to granting an approval. Why is that? Well that's because an auto loan is a secured sort of loan. The lending institutions are protected by the fact that if your loan does go into default they get to take your car.
What about if I have bad credit? How can a student get approved for a auto loan with poor credit?
It's the same thing as getting approved for it without having any credit. Students that have bad credit shouldn't have a problem getting a [ student car loan with bad credit because the lenders are protected, if you don't pay you simply lose your car.
What about the interest rates? What can I expect with bad credit? What sort of rates are associated with no credit auto loans?
The interest rates that you recieve that are related to a bad credit student auto loan will typically be a little bit higher than the interest that would be associated with a no credit car loan. No credit loans tend to be slightly higher than the interest rates for a student that has good credit. However, no matter what your credit might be, if you make your payments in full and on time, in about a year you can apply for a car loan refinancing and recieve a lower interest rate for your auto loan.
Do students require a cosigner when they apply for a college student auto loan?
Usually auto finance companies won't require a cosigner for auto loans up to the ,000 range. If you happen to be a student, there isn't a need to have a auto loan for a car that costs more than ,000.
Well what about buying? Would I need to buy from a dealer? Can I buy one from a private seller?
There's only a few select car loan companies that offer the flexability of being able to buy a car from anyone that you like. Most financal institutions work directly with the dealers, often only with franchised dealers. However, dealers that will work with you to find any type of make or model fo a new or used vehicle that you happen to be looking for.
Getting a students car loan isn't a tough thing to do. In fact, as outlined above, it's pretty damn simple. Just make certain that you make your payments in full and on time every month and you will be well on your way to owning the car of your dreams!
Tuesday, May 21, 2013
Monday, May 20, 2013
Why Refinancing Bad Credit Auto Loans is Right
Bad credit auto loans are more common then ever these days. Individuals that had a solid credit rating, due to tough times, have had no choice but to finance a vehicle and accept bad credit auto loan terms. But there is a way to lower your monthly interest rates.
When you initially are approved for any type of vehicle loan, one thing that the financial institution either forgets to mention or just doesn't want to mention is the option to refinance your car loan. Typically, if you pay your current car loan for at least 10 -12 months straight, without any missed or late payments, you qualify for a better rate, if you decide to refinance your car loan.
Normally, bad credit auto loans have an interest rate as high as 29.9%. Seems pretty high, but if you want to re-establish your credit and need a vehicle, you have to take what is dealt. Of course, nobody wants to pay high rates, but what if you only had to pay this rate for a year and then, after that initial year pay as low as 19%. Sounds a lot better, doesn't it.
You can save up to 10% by refinancing your current car loan after paying your high interest loan consistently for 1 year. But, there is a catch. You are going to have to part with your current vehicle and be placed in a newer vehicle. Why you ask? It is very simple. The lenders what to have better security for their borrowed money and what the buyer to have a better vehicle, so that they continue to make their payments. So by knowing this and if you are shopping for bad credit auto loans, then look for a vehicle that is going to be inexpensive, practical and typically not what you really want, but what will meet your needs for a year. Once that year is up, refinance the vehicle loan and pick up the vehicle you were initially looking to purchase with a lower interest rate.
By the time you have completed the refinanced used car auto loan, you should be able to go to the bank and get approved for a very low interest rate. It is that easy!
When you initially are approved for any type of vehicle loan, one thing that the financial institution either forgets to mention or just doesn't want to mention is the option to refinance your car loan. Typically, if you pay your current car loan for at least 10 -12 months straight, without any missed or late payments, you qualify for a better rate, if you decide to refinance your car loan.
Normally, bad credit auto loans have an interest rate as high as 29.9%. Seems pretty high, but if you want to re-establish your credit and need a vehicle, you have to take what is dealt. Of course, nobody wants to pay high rates, but what if you only had to pay this rate for a year and then, after that initial year pay as low as 19%. Sounds a lot better, doesn't it.
You can save up to 10% by refinancing your current car loan after paying your high interest loan consistently for 1 year. But, there is a catch. You are going to have to part with your current vehicle and be placed in a newer vehicle. Why you ask? It is very simple. The lenders what to have better security for their borrowed money and what the buyer to have a better vehicle, so that they continue to make their payments. So by knowing this and if you are shopping for bad credit auto loans, then look for a vehicle that is going to be inexpensive, practical and typically not what you really want, but what will meet your needs for a year. Once that year is up, refinance the vehicle loan and pick up the vehicle you were initially looking to purchase with a lower interest rate.
By the time you have completed the refinanced used car auto loan, you should be able to go to the bank and get approved for a very low interest rate. It is that easy!
Infrenion Networks Launches Special B2evolution Hosting Plan
Infrenion Networks, a leader in FFMPEG and Video Hosting today announced a Special B2evolution Hosting plan. Infrenion Networks states that this plan will include 10 GB disk space along with 220 GB Bandwidth. Infrenion Networks is one of the few hosting companies that offer you great services, as far as blog hosting is concerned. This is a plan set aside for those who either blog for commercial purposes or those who do it for personal reasons.
The most attractive features of this plan are they come with:
Free Domain name
Isolated Application Pool
Optimized Servers
Single Click Installer
Compared to prices from other hosting companies, Infrenion Networks B2evolution hosting plan definitely sounds cheaper and affordable. Benefits of this plan are one can host multiple domains on single account, create unlimited MySQL database within the disk space allocated to the plan. Unlimited Email accounts, 99.9% server uptime guarantee and much more.
Infrenion Networks also provides 24 hours user friendly customer support and they have been very old in the industry of web hosting so that they have a long experience of working.
The company stated that they have optimized servers for Blog hosting plan and they will make sure that the performance of your blog will be definitely more satisfactory as compared to other web hosting companies.
Daniel Hanczyc, Vice President of Marketing at Infrenion Networks says that Infrenion Networks is offering 20% discount on Special B2evolution Hosting plan for all users. This offer is for limited time and everyone can take benefit of this offer by using the coupon code 20OFF.
Infrenion Networks is the company which is bit ahead for providing Cheap US and UK FFMPEG Web Hosting services, they provide web hosting services at low price but the quality remain high. All the web hosting services of the company are very reliable and perfect for all kind of business, They are always moving on to provide best web hosting plans to their customers, as they are in the web hosting industry from last 8 years, so that they look forward to provide fine services among the all. They always promise for best quality webhosting services, so that they provide 30 days money back guarantee to the customer.
For more information about B2evolution Hosting plan go to
The most attractive features of this plan are they come with:
Free Domain name
Isolated Application Pool
Optimized Servers
Single Click Installer
Compared to prices from other hosting companies, Infrenion Networks B2evolution hosting plan definitely sounds cheaper and affordable. Benefits of this plan are one can host multiple domains on single account, create unlimited MySQL database within the disk space allocated to the plan. Unlimited Email accounts, 99.9% server uptime guarantee and much more.
Infrenion Networks also provides 24 hours user friendly customer support and they have been very old in the industry of web hosting so that they have a long experience of working.
The company stated that they have optimized servers for Blog hosting plan and they will make sure that the performance of your blog will be definitely more satisfactory as compared to other web hosting companies.
Daniel Hanczyc, Vice President of Marketing at Infrenion Networks says that Infrenion Networks is offering 20% discount on Special B2evolution Hosting plan for all users. This offer is for limited time and everyone can take benefit of this offer by using the coupon code 20OFF.
Infrenion Networks is the company which is bit ahead for providing Cheap US and UK FFMPEG Web Hosting services, they provide web hosting services at low price but the quality remain high. All the web hosting services of the company are very reliable and perfect for all kind of business, They are always moving on to provide best web hosting plans to their customers, as they are in the web hosting industry from last 8 years, so that they look forward to provide fine services among the all. They always promise for best quality webhosting services, so that they provide 30 days money back guarantee to the customer.
For more information about B2evolution Hosting plan go to
Saturday, May 18, 2013
Mortgage Refinance Rates
The mortgage refinance rates for Canada will vary based on whether you choose a variable or fixed rate mortgage when refinancing. If you currently have a variable rate mortgage and are looking for regular monthly payments that are consistent, it is best to refinance with a fixed rate mortgage. This will give you a regular recurring payment that does not change, but your interest rate and payment may be higher. If you currently have a fixed rate mortgage and are looking for lower interest rates with the possibility of lower payments, but the payments fluctuate you should refinance with a variable rate mortgage.
When it comes to mortgage refinance rates, variable rates are directly affected by the lender's prime rate. The prime rate is based on the Bank of Canada rate, which is set and used as a tool to help with goals of stable inflation as well as financial stability for public debt and government funding capabilities. As the central bank, the Bank of Canada sets the prime rate and helps to achieve these above stated goals by controlling the short term rates on mortgages and all lines of credit and all rates that are paid out on deposits or any type of investment certificate.
Fixed term mortgage refinance rates are based mostly on the bonds market. Bonds are a debt belonging to someone that they promise to pay back plus interest at a later date. Bonds are commonly given out by a government to large companies or individual businesses such as the Canada Savings Bonds. The rate of return that is given yearly is called the yield. Bonds yields can be hectic and all over the map, because they are based on the economy, inflation and stock markets as well as global happenings and unemployment. These long term rates for mortgage refinancing are based on these bond yields, and this is why they are used more by lenders. The lenders are able to absorb more of the daily fluctuations in the market, and thereby give a more stable rate for customers. Lower bond yields to a bank lead to lower mortgage refinance rates.
When refinancing a home, it is important to try to use the same lender because the mortgage refinance rates can be manipulated, depending on the lender. Some will allow their loan officers to lower or raise the rates according to a customer's history, not to become lower than the prime set by the Bank of Canada. If you have a good history with your current lender, it is better to talk to your loan officer and see if there are any options available to you with lower refinance rates. However, if you are unable to get lower mortgage refinance rates, continue to shop around. There are many companies online that post their mortgage interest rates on a closed term loan for at least 10 years. This would give you an idea what the interest rate would be on the day you check the rate, if you were to get your mortgage refinanced on that day.
When it comes to mortgage refinance rates, variable rates are directly affected by the lender's prime rate. The prime rate is based on the Bank of Canada rate, which is set and used as a tool to help with goals of stable inflation as well as financial stability for public debt and government funding capabilities. As the central bank, the Bank of Canada sets the prime rate and helps to achieve these above stated goals by controlling the short term rates on mortgages and all lines of credit and all rates that are paid out on deposits or any type of investment certificate.
Fixed term mortgage refinance rates are based mostly on the bonds market. Bonds are a debt belonging to someone that they promise to pay back plus interest at a later date. Bonds are commonly given out by a government to large companies or individual businesses such as the Canada Savings Bonds. The rate of return that is given yearly is called the yield. Bonds yields can be hectic and all over the map, because they are based on the economy, inflation and stock markets as well as global happenings and unemployment. These long term rates for mortgage refinancing are based on these bond yields, and this is why they are used more by lenders. The lenders are able to absorb more of the daily fluctuations in the market, and thereby give a more stable rate for customers. Lower bond yields to a bank lead to lower mortgage refinance rates.
When refinancing a home, it is important to try to use the same lender because the mortgage refinance rates can be manipulated, depending on the lender. Some will allow their loan officers to lower or raise the rates according to a customer's history, not to become lower than the prime set by the Bank of Canada. If you have a good history with your current lender, it is better to talk to your loan officer and see if there are any options available to you with lower refinance rates. However, if you are unable to get lower mortgage refinance rates, continue to shop around. There are many companies online that post their mortgage interest rates on a closed term loan for at least 10 years. This would give you an idea what the interest rate would be on the day you check the rate, if you were to get your mortgage refinanced on that day.
Thursday, May 16, 2013
Foreclosure, Bankruptcy, And Your New Home: Bad Credit Mortgages Explained
Bankruptcy is tough, but is often the only alternative to get relief from piled-up debts. Most people file bankruptcy after significant financial events: divorce, serious medical condition, long-lasting loss of income, and many others. Some people manage to avoid bankruptcy, and to pay off or discard their debts by means of debt consolidation and foreclosure. This way, or another, both foreclosure and bankruptcy make most people think that they would not be able to become homeowners in the near future.
How Bankruptcy and Foreclosure Affects Your Credit
Despite the fact that bankruptcy helps you to forget about most, if not all, of your past debts, it leaves an ugly scar on your credit report that would not heal for the next 7-10 years. Most lenders try to stay away from lending money to people after bankruptcy, as they have a proof that a borrower had left other lenders empty-handed, using bankruptcy as legal shield from debt repayment. Foreclosure, while having a less negative effect, does not sound too promising for prospective lenders either, as they may see that you could not cope with scheduled monthly payments for whatever reason. As lenders would not foreclose for a couple of missed payments, foreclosure is a sign that you either had initially overextended yourself financially, or had a long-term cash shortage. Simply put, most lenders would decline your mortgage application after foreclosure or bankruptcy.
Bad Credit Does Not Last Forever
The fact that you filed bankruptcy or experienced a foreclosure does not mean the end to your homeownership dreams. Many people manage to buy a home shortly after bankruptcy or foreclosure. Very often, it does come at a higher price, as lenders who would undertake the risk of financing people with past negative marks would surely compensate it with higher interest rate and inflated charges. To avoid paying more in the long run, it is important to make every step you can to improve your credit ranking and to minimize the impact of your past bankruptcy or foreclosure on your credit score.
Home Buying Tips For Bad Credit Borrowers
While foreclosure and/or bankruptcy will haunt you for years, there are several things you can do to improve your credit ranking spend less money on your new home.
First, you should reestablish history of timely payments. Getting a secured card from a major bank would help you to improve your credit score tremendously.
Second, you should make a pause. The negative effects of bankruptcy and foreclosure tend to lessen over time. Instead of trying to apply for mortgage right after bankruptcy or foreclosure, wait a year or two. Your credit score will rise, allowing you to get better interest rate on your new mortgage.
Last, you should perform a heavy research of subprime lenders. Despite the mortgage crisis in the recent years, many lenders continue to finance bad credit home purchases, especially since the home prices dropped. Therefore, seek all possible options to get a low-cost mortgage: find subprime mortgage lenders online, get loan quotes, and select the one that features the best terms.
A bankruptcy or a foreclosure does not mean the end of borrowing. While obtaining a home loan with bad credit may be a significant stress, your bad credit would eventually go away, once you make timely payments on your new mortgage, allowing you to be more confident about your borrowing abilities again.
How Bankruptcy and Foreclosure Affects Your Credit
Despite the fact that bankruptcy helps you to forget about most, if not all, of your past debts, it leaves an ugly scar on your credit report that would not heal for the next 7-10 years. Most lenders try to stay away from lending money to people after bankruptcy, as they have a proof that a borrower had left other lenders empty-handed, using bankruptcy as legal shield from debt repayment. Foreclosure, while having a less negative effect, does not sound too promising for prospective lenders either, as they may see that you could not cope with scheduled monthly payments for whatever reason. As lenders would not foreclose for a couple of missed payments, foreclosure is a sign that you either had initially overextended yourself financially, or had a long-term cash shortage. Simply put, most lenders would decline your mortgage application after foreclosure or bankruptcy.
Bad Credit Does Not Last Forever
The fact that you filed bankruptcy or experienced a foreclosure does not mean the end to your homeownership dreams. Many people manage to buy a home shortly after bankruptcy or foreclosure. Very often, it does come at a higher price, as lenders who would undertake the risk of financing people with past negative marks would surely compensate it with higher interest rate and inflated charges. To avoid paying more in the long run, it is important to make every step you can to improve your credit ranking and to minimize the impact of your past bankruptcy or foreclosure on your credit score.
Home Buying Tips For Bad Credit Borrowers
While foreclosure and/or bankruptcy will haunt you for years, there are several things you can do to improve your credit ranking spend less money on your new home.
First, you should reestablish history of timely payments. Getting a secured card from a major bank would help you to improve your credit score tremendously.
Second, you should make a pause. The negative effects of bankruptcy and foreclosure tend to lessen over time. Instead of trying to apply for mortgage right after bankruptcy or foreclosure, wait a year or two. Your credit score will rise, allowing you to get better interest rate on your new mortgage.
Last, you should perform a heavy research of subprime lenders. Despite the mortgage crisis in the recent years, many lenders continue to finance bad credit home purchases, especially since the home prices dropped. Therefore, seek all possible options to get a low-cost mortgage: find subprime mortgage lenders online, get loan quotes, and select the one that features the best terms.
A bankruptcy or a foreclosure does not mean the end of borrowing. While obtaining a home loan with bad credit may be a significant stress, your bad credit would eventually go away, once you make timely payments on your new mortgage, allowing you to be more confident about your borrowing abilities again.
Wednesday, May 15, 2013
The Best Auto Loan Provider In Waco Tx
Auto Financing In Waco TX
Are you looking for an auto loan in Waco? Our dealership gives customers the ability to secure quick and easy auto financing at our Waco, TX location. The process is easy and simple, regardless if you have good or bad credit. From the domain of our website you can browse our new or used car inventory, submit your contact information and fill out a quick and easy credit application. Special financing is available for customers with below average or bad credit.
Waco TX Used Car Loan
The financing department at Jubilee Auto Group is filled with exceptional employees with many years of auto financing experience in Waco. We will find the best lender for your situation depending on what type of vehicle you want, how much you want the monthly payments and where you choose to go from that point. The car, truck or SUV that you choose will be submitted for a finance loan to many banks in the Waco, TX area. Some banks from Temple, TX, Bryan TX, Killeen TX and more are options we also use to finance your newly purchased vehicle.
Bad Credit Cars
If you have bad credit don't let it defer you from the easy financing you can get at Jubilee. Even if you have been turned down elsewhere when trying to buy a used car in Waco, don't let it make you worried. We have worked with many previous customers who have had repossessions, bankruptcies, divorces and other situations that simply won't allow them to buy the car or truck of their dreams. STOP! Let us help you! At Jubilee, we could care less about a credit score! Take a couple of seconds to submit a quick credit application online and see the value in financing with us - Your Waco Used Car Dealership.
No Credit Car Buying In Central Texas
The feeling you get when you buy your first car can be amazing! Remember when most of us were barely 16 and climbed into the door of our parents latest hand-me-down? It felt like freedom! First time car buying in Waco can be a little risky and un-assuring due to the lack of credit you may have. Even if you have a very qualified co-signer you can be left with a very high monthly payment. Not at our waco dealership! We understand the challenges many customers face and we want to help you get the car of your dreams!
In Review
Car buying in Waco, TX is tough. Many of us often hear that visiting Dallas, Austin or even further will help us save money on our next used car purchase. This isn't true! The best car dealership is right here in Waco - Jubilee Auto Group
Are you looking for an auto loan in Waco? Our dealership gives customers the ability to secure quick and easy auto financing at our Waco, TX location. The process is easy and simple, regardless if you have good or bad credit. From the domain of our website you can browse our new or used car inventory, submit your contact information and fill out a quick and easy credit application. Special financing is available for customers with below average or bad credit.
Waco TX Used Car Loan
The financing department at Jubilee Auto Group is filled with exceptional employees with many years of auto financing experience in Waco. We will find the best lender for your situation depending on what type of vehicle you want, how much you want the monthly payments and where you choose to go from that point. The car, truck or SUV that you choose will be submitted for a finance loan to many banks in the Waco, TX area. Some banks from Temple, TX, Bryan TX, Killeen TX and more are options we also use to finance your newly purchased vehicle.
Bad Credit Cars
If you have bad credit don't let it defer you from the easy financing you can get at Jubilee. Even if you have been turned down elsewhere when trying to buy a used car in Waco, don't let it make you worried. We have worked with many previous customers who have had repossessions, bankruptcies, divorces and other situations that simply won't allow them to buy the car or truck of their dreams. STOP! Let us help you! At Jubilee, we could care less about a credit score! Take a couple of seconds to submit a quick credit application online and see the value in financing with us - Your Waco Used Car Dealership.
No Credit Car Buying In Central Texas
The feeling you get when you buy your first car can be amazing! Remember when most of us were barely 16 and climbed into the door of our parents latest hand-me-down? It felt like freedom! First time car buying in Waco can be a little risky and un-assuring due to the lack of credit you may have. Even if you have a very qualified co-signer you can be left with a very high monthly payment. Not at our waco dealership! We understand the challenges many customers face and we want to help you get the car of your dreams!
In Review
Car buying in Waco, TX is tough. Many of us often hear that visiting Dallas, Austin or even further will help us save money on our next used car purchase. This isn't true! The best car dealership is right here in Waco - Jubilee Auto Group
Monday, May 13, 2013
Great News For Users Of Our
As many of you know Equity Harvesting' using Option ARM loans and depositing large amounts of home equity into Cash Value Life Insurance has undergone much scrutiny in the past year. As I stated in my article The Wrong and Right Ways To Use Equity Harvesting! - The problem is that most agents, advisors and planners are not being taught the right ways to use it! And, it's now coming back to haunt them! Insurance companies are starting to receive complaints from policy owners who have been using the concept for three or more years. Many of these insurance companies have been compelled to put serious restrictions on the use of equity harvesting to avoid future law suites! Midland National won't accept any business where Equity Harvesting' is involved. Aviva won't accept business that involves refinancing, unless the client meets certain financial strength.
Many of the larger Broker/Dealers are very concerned about the potential for improper' use of the Equity Harvesting' concepts. Because, based on suitability requirements advisors are not allowed to recommend that a client put their home equity into any stock market type investment. (Variable Products, Mutual Funds, Etc.) It's just wrong to put people's homes at risk!
The good news is that there are Broker/Dealers and Insurance Companies that are approving the use of our Found Money Management system, tools and live advanced training courses. Ameritas Investment Corp., one of the larger, full service Broker/Dealers has approved our Living Debt Free and Truly Wealthy' Client Booklets and our Client Seminars. And, Aviva (AmerUs Life and Indianapolis Life) is in agreement with our Found Money Management concepts. (Obviously, each agent still needs to send this material through the compliance department before they use it.)
Why Do Companies, IMO's, Agencies and Industry Associations Like and Approve Our Found Money Management System, Tools and Training?
Maybe it's because we DO NOT advocate using Option ARM' loans with Middle Income Families? (We believe it's just too risky for them!) Maybe it's because we are NOT focusing on depositing large amounts of home equity into life insurance?
Our fundamental philosophy is to truly help Middle Income Families reduce and eliminate consumer debt and start saving for the future? We are helping families to properly remove home equity to lower their overall debts and improve their cash flow' (i.e. Pay-off credits cards, auto loans, or an equity line of credit, etc.) and then we use the difference in those payments to purchase life insurance and other savings vehicles. Plus, we are showing families where they may be spending their money unnecessarily and/or unwisely to further improve their cash flow and increase savings.
Found Money Management is about real financial planning for Middle Income Families! It's about helping them to establish priorities! It's Helping average people to learn how to spend, save, invest, insure and plan wisely for the future, to achieve financial independence!
If you really want to help people, then take a long hard look at our Found Money Management system, tools and live advanced training courses. And, then align yourself with a broker/dealer and a life insurance company that recognizes the value of and supports real financial planning for Middle Income Families. (We Are Not Actively Recruiting)
If you are NASD licensed, you can contract direct to Ameritas Investment Corp. by calling 1-800-335-9858. If you would like to contract with Aviva (AmerUs Life and Indianapolis Life) you can call us and we will be happy to direct you to an IMO and/or Agency in your local area that supports the Found Money Management concepts. 1-877-297-4608
There is a reason why... we have endorsements from many of the most respected and trusted names in insurance sales and financial planning... and our competition doesn't!
There is a reason why... successful insurance agents, financial advisors, financial planners and MDRT qualifiers, who have received training from other organizations, are now investing in our system, videos, audios, advisor guides and live training events!
There is a reason why... these people are doubling and tripling their income within six months! And, why they consistently earn ,000 to ,000 per month!
Many of the larger Broker/Dealers are very concerned about the potential for improper' use of the Equity Harvesting' concepts. Because, based on suitability requirements advisors are not allowed to recommend that a client put their home equity into any stock market type investment. (Variable Products, Mutual Funds, Etc.) It's just wrong to put people's homes at risk!
The good news is that there are Broker/Dealers and Insurance Companies that are approving the use of our Found Money Management system, tools and live advanced training courses. Ameritas Investment Corp., one of the larger, full service Broker/Dealers has approved our Living Debt Free and Truly Wealthy' Client Booklets and our Client Seminars. And, Aviva (AmerUs Life and Indianapolis Life) is in agreement with our Found Money Management concepts. (Obviously, each agent still needs to send this material through the compliance department before they use it.)
Why Do Companies, IMO's, Agencies and Industry Associations Like and Approve Our Found Money Management System, Tools and Training?
Maybe it's because we DO NOT advocate using Option ARM' loans with Middle Income Families? (We believe it's just too risky for them!) Maybe it's because we are NOT focusing on depositing large amounts of home equity into life insurance?
Our fundamental philosophy is to truly help Middle Income Families reduce and eliminate consumer debt and start saving for the future? We are helping families to properly remove home equity to lower their overall debts and improve their cash flow' (i.e. Pay-off credits cards, auto loans, or an equity line of credit, etc.) and then we use the difference in those payments to purchase life insurance and other savings vehicles. Plus, we are showing families where they may be spending their money unnecessarily and/or unwisely to further improve their cash flow and increase savings.
Found Money Management is about real financial planning for Middle Income Families! It's about helping them to establish priorities! It's Helping average people to learn how to spend, save, invest, insure and plan wisely for the future, to achieve financial independence!
If you really want to help people, then take a long hard look at our Found Money Management system, tools and live advanced training courses. And, then align yourself with a broker/dealer and a life insurance company that recognizes the value of and supports real financial planning for Middle Income Families. (We Are Not Actively Recruiting)
If you are NASD licensed, you can contract direct to Ameritas Investment Corp. by calling 1-800-335-9858. If you would like to contract with Aviva (AmerUs Life and Indianapolis Life) you can call us and we will be happy to direct you to an IMO and/or Agency in your local area that supports the Found Money Management concepts. 1-877-297-4608
There is a reason why... we have endorsements from many of the most respected and trusted names in insurance sales and financial planning... and our competition doesn't!
There is a reason why... successful insurance agents, financial advisors, financial planners and MDRT qualifiers, who have received training from other organizations, are now investing in our system, videos, audios, advisor guides and live training events!
There is a reason why... these people are doubling and tripling their income within six months! And, why they consistently earn ,000 to ,000 per month!
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