Leiannah Cayan

MY SPECIAL REPORT E-BOOK A Compilation of Wealth Building Articles by Leiannah S. Cayan A List of Great Fundraising Ideas You may be looking for a list of fundraising ideas for your organization. Many different fundraising ideas exist and you need to think about the fundraisers carefully to find one that best suits your organization. When you see a list of fundraisers, you should also consider whether you could modify the original idea to better suit the needs of your organization and community. The following is a list of fundraising ideas that other groups have used. You may find one that works for you. Product Sales: many organizations sell products ranging from candles to cookie dough to candy bars. Online websites can help you see some of the different products your group could sell. Discount Cards: this fundraiser has become increasingly popular. People love getting discounts off the businesses that they use every day and they know that they'll soon get their money back in savings. You can either contact the businesses yourself or have the discount card company do the negotiating for you. Themed Dinners: many groups have spaghetti dinners, soup suppers, or other special food offerings. This not only brings the community and organization together, but you can raise money as well. Some charge per person, per item, or ask for donations. MY SPECIAL REPORT E-BOOK Walk-A-Thons: you can either have an entrance fee or have others sponsor a particular walker or runner. Many organizations are sponsoring 5k runs or other similar races to raise money and publicity. Ask local business to donate prizes. 1 Auctions: whether you want to do a silent auction or hire an auctioneer, auctions are a great way to raise money. Get local businesses and organization members to donate items and services. The up-front cost on this can be very low and you can make a great deal of money depending on the items up for bid. Advertise your event and you're likely to get a wide range of community members attending as well. http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth Fundraising Events: events are a fun way to raise money. You might have a car wash, a rock-athon, or neighborhood fair. Depending on the event, you could have games for adults and kids and charge one entrance fee or a per game charge. MY SPECIAL REPORT E-BOOK Many great fundraising ideas exist and with a little searching, you can find one that will raise money for your organization or product. Talk to other organization members to see which ideas they like. A list of fundraising ideas is a great place to start coming up with ideas for your group. 2 http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth Best Retirement Planning Software-how to Find the Right Software for You What’s the best retirement planning software to help you achieve your retirement goals? Most of the retirement planning finance software is very simple to use, and offers a clear cut formula to mapping out your retirement plan-something most people don’t do until too late. Numerous retirement planning software programs are being sold today, which can often times make it difficult to choose the best one for you. There are many different brands to fit different budgets, so no matter how little money you have, there is software that’s right for you. During your search, try to find software that possesses the following abilities: Debt Management Home Mortgages Budget Analysis and Planning MY SPECIAL REPORT E-BOOK All retirement planning software is there to help you plan in depth your retirement, and how much you will need to live your dream lifestyle. It will guide you in various ways, including personal budgeting, investment management, debt management, managing medical expenses, retirement planning and so on. 3 The best retirement planning software makes it very easy to keep tabs on your money flowing in and out, so that you don’t find yourself in debt, which makes retirement planning almost impossible. http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth If you are ready to start planning for your retirement, then finding the best retirement planning software will be an absolutely essential part of your goals. Without this, it will be very difficult to map out a proven course to follow. Therefore, invest in a good software program, and watch yourself reaching your financial goals faster than you ever thought possible. Remember this important point: while retirement planning software can certainly give you great budgeting advice to keep you on track in your retirement planning, only you can take action on that advice. Unfortunately, most people never start planning for retirement or watching their finances carefully until it’s too late; when they hit retirement, they realize they have no money to do anything they wanted. MY SPECIAL REPORT E-BOOK Retirement should be a time where you get to experience everything you didn’t have time to do while you were working; therefore, it is never too early to start planning and taking action. Once you formulate your plan with the help of the best retirement planning software, don’t delay; take caution today, and you will be well on your way to achieving the retirement of your dreams. 4 http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth Consolidate Debt into One Monthly Payment Significant credit card debt is not unusual today with many individuals carrying credit card debt of $12,500 on average. With such balances and high interest rates ranging from 18-25%, debt management and debt consolidation services may be a good option if you ever want that debt to disappear. Debt consolidation can help you better manage your debt owed to several creditors by consolidating those bills into one single loan and, thus, one monthly payment. In addition, you will repay the debt at a lower interest rate. Debt management includes far more than bill consolidation services. Debt management includes a wide array of services such as credit repair, debt reduction, education and counseling, negotiation and other assistance. Debt consolidation to rid of bad credit is an excellent step toward repairing a negative credit reputation. MY SPECIAL REPORT E-BOOK Debt consolidation is a very similar option in efforts to improve your debt situation. The consolidation company will negotiate with your creditors and make arrangements for you to repay the debt at a lower payoff amount and more quickly eliminate that debt. Consolidation refi is intended to help those consumers with debt as high as $5,000. You will repay the debt at a lower interest rate and with the convenience of one monthly payment. 5 Debt consolidation companies can help alleviate the burden of multiple monthly payments, yet many individuals hesitate to utilize consolidation services because of those who have been victimized by illegitimate consolidation companies. When choosing a consolidation company, you must do carefully. It is always a good idea to research the company’s record, negative consumer reports or evidence of a poor reputation. There are many consolidation companies available today with no fee or, if anything, a small fee. The advantages of debt consolidation, though, outweigh any small fee associated with the services. Consider this as you choose the best company for you. http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth MY SPECIAL REPORT E-BOOK Once you find a good consolidation company to use, though, you can begin to reap the benefits of debt consolidation. Specifically, consolidation companies can help you reduce your high interest rates, waive late fees, lower your monthly payments, avoid bankruptcy and more quickly eliminate your debt. To help overcome high debt and a financial crisis, payoff your credit cards and outstanding debt at a lower interest rate with the help of debt consolidation. 6 http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth Dealing with Credit Card Debt with a Debt Consolidation Loan Online In this day and age, many men and women have overused and even misused their credit cards. As a result, a good number of people end up having financial problems resulting from the manner in which they have used their credit cards. In such situations, some of these people end up looking for debt consolidation loan online options to assist them in dealing with their financial situation. MY SPECIAL REPORT E-BOOK When all is said and done credit cards can have the most significant and most immediately negative effect on a person’s finances, credit history and credit score. By this it is meant, the usage of credit cards can cause the greatest impact on a person’s credit score and credit history -on their overall credit health -- in a very short amount of time. In fact, each month the manner in which you utilize a credit card or credit cards can significantly affect your overall credit history and credit score. If you have reached the juncture where credit card debt has reached a level where it is significantly impacting your credit and your finances in a negative manner, you may want to join those people who are interested in finding a debt consolidation loan online. 7 In reality, when it comes to a debt consolidation loan online, one of the most common reasons that people need and seek out this type of financing is to bring a sense of control to credit card debt. By taking this step, by obtaining a debt consolidation loan online, you will be able rid yourself of higher interest rates, rid yourself of late fees, penalties and other charges that are associated with out of control credit card debt. You need to keep in mind that obtaining a debt consolidation loan online will not guarantee a solution to problems with credit card debt in the future. For this reason, you may be best served by having only one credit card that you utilize with any degree of regularity -- and in a http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth MY SPECIAL REPORT E-BOOK responsible manner. You would be well served paying off your balances on your credit card or credit cards each month. If paying off the balance is not an option for you, it is necessary for you to make certain that you make an appropriate payment on the credit card account or accounts in a timely manner. Indeed, you need to make more than just the minimum payment. Failing to do so will have a significantly negative impact on a history and credit score. 8 http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth Debt Consolidation Loan If you have many small loans with several companies then you can make things a whole lot easier for yourself if you combine them all into one monthly repayment. The easiest way in which you can do this is to take out a debt consolidation loan. By doing so you are literally combining all your debts together and so just making one monthly repayment to one company. This type of loan can make life much easier, especially if you have loans which have a high rate of interest on them, although not all loans can be combined, the consolidation loan is suited for loans that are unsecured, such as existing credit cards. The consolidation loan is suitable for a wide range of things, if you are finding that you are getting yourself in a knot with lots of different small payments, if the interest rates are varied on your existing loans or if you wish to just get everything together and make one monthly repayment which you can afford. MY SPECIAL REPORT E-BOOK There are different types of consolidation loan just as with any loan, you can have an unsecured or secured consolidation loan. However if you take out a secured consolidation loan then you will have to put your home on the line as collateral, by doing so you are allowed to borrow more money than an unsecured loan and the rate of interest is often lower than the unsecured. 9 If you take an unsecured consolidation loan then this is seen as riskier to the lender and therefore has a higher rate of interest while a lower amount of money will be offered to you, over a shorter period of time. The restrictions are tougher also for this type of loan, meaning that you can’t just please yourself what you spend the money on. Whether you choose to take an unsecured or secured consolidation loan then it will depend on your circumstances and your credit rating. Of course the higher your credit rating then the better http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth chance you have of getting a loan, however those with a bad credit history can still get a loan although it is usually secured on your home. MY SPECIAL REPORT E-BOOK If you are thinking of taking out a consolidation loan then the best way to do so is to look around online. By doing so you are able to get quotes from different lenders, which allow you to get the best rate of interest and the best deal. Always make sure you understand the terms of the loan and exactly how much you will have to pay back over the term of the loan compared to what you will have to pay back before consolidating. 10 http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth Debt Management Is Vital Many people get bogged down in credit card debt due to high interest rates and late fee charges. Make sure you don’t get into this pattern, because if you do you’ll be on your way to bankruptcy. Debt management is a great solution for your problems. Try to make payments each week instead of each month to keep your debt from spiraling out of control. You will also lower your interest rate payments when you do this because companies usually charge this by the hour, not the month. You can also feel like you are putting a bigger dent in your debt when you do it by the week instead of the month. MY SPECIAL REPORT E-BOOK Check out the Consumer Counseling Center of America (CCCA) if you need some help in managing your debit. This is a non-profit organization that can provide you with a credit counselor that can help you manage your debt. They have a large variety of services to choose from such as keeping your payments current, helping with overdue accounts, and stopping creditors from harassing you. They can also help negotiate with creditors and help you form a plan of action in terms of how you will deal with your debt. They are a great resource for anyone dealing with a credit card debt issue. 11 You can only truly get out of debt when you learn how not to get into debt in the first place. You need to stop and think about your purchases. You will also need a monthly budget that you can stick to. You should cancel all but one credit card and use it only for family emergencies. This card should have a low interest rate and should really be kept for the sole purpose of emergency cash. If you are in a lot of debt you can consider transferring the balances of all your credit cards to one low interest credit card. Sometimes cards will offer a 0% interest balance for six months to a year, which should help you with your debt issues. http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth Make sure if you use a debt consolidation agency that you find out exactly what their fees are and polices before you get ripped off. There are many great companies out there, but there are also companies that may take advantage of you when you are in need of real help. Do your research before you sign anything? MY SPECIAL REPORT E-BOOK Make sure you take personal responsibility for your debt and find a way to get out of debt and stop getting into debt. You need to decide how you want to spend your money and stick to it. You can live a happier and fuller life without debt! 12 http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth Debt Relief Help - 4 Tips You Need To Know There are literally thousands of Americans that have found themselves overwhelmed by huge amounts of debt, and debt relief help may seem out of reach at times. If you are looking for ways that you can get some relief from your debt and start to work your way out of debt, there are a variety of different things that you can do. Believe it or not, there are many simple things that you can do to help yourself get out of debt. If you need debt relief help, the following are some simple tips that can provide you with the debt help that you need. Tip #1 - Get a Home Equity Loan - If you own a home, you are one step ahead of the game. Having a home is very powerful and you can use the equity in your home to get a loan that can help you pay off high interest debt. Since a home equity loan is a secured type of a loan, you can usually get interest rates that are very reasonable. For those who need debt relief help, a home equity loan can provide low interest rates and affordable monthly payments that can help you deal with debt. MY SPECIAL REPORT E-BOOK Tip #2 - Try to Renegotiate Terms Another type of debt relief help that can aid you with repaying your debts to become debt free is renegotiating the terms of your credit. While you may not realize it, at times your creditors may be willing to renegotiate the terms of what you owe them to help you pay it off. They realize that it may be in their best interest to help you pay what you can instead of having you declare bankruptcy and never getting paid at all. 13 Tip #3 - Pay More than the Minimum Balance - Paying more than the minimum balance on your bills is another great tip for those who need debt relief help. Just paying the minimum balance will have you paying on the bill for years, and you will spend thousands of dollars just trying to pay off the interest. Paying as much as you can each month can help you pay off your debts much faster and can save you a great deal of money in interest as well. http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth MY SPECIAL REPORT E-BOOK Tip #4 - Credit Counseling Can Help - If you need debt relief help, credit counseling may be a great way to get the help that you need with your debt. Credit counseling companies can be a mediator between you and your credit companies to help lower interest rates, payment amounts, and in some cases even the amount of the total debt. For those who need serious help with their debt, credit counseling may be one of the best ways to go. 14 http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth Determining the Used Car Loan Value of Your Car Used cars can be an expensive investment, but new cars cost even more. With the recent ups and downs of the economy, it seems that there is a renewed interest in shopping around for the best deal on a used car instead. It can cost about 21,000 dollars or more for a car. This is a lot of money even when times aren’t so troubled. Can you presently afford that much? The Auto Affordability Index set up by Comerica Bank in Detroit figured that in the third quarter of 2003, it took almost 20 weeks of an average family’s income before taxes to buy a car. That is about five months of income on a car. In this 2011 economy, is that worth it? Considering the above, you can see why so many people are now considering the used car option. In this market there is a growth of loan value choices available for used cars. Millions of cars come off their lease every year, so there are plenty of four to two year old cars available to choose from when you are shopping for a used car. MY SPECIAL REPORT E-BOOK Lenders use Used Car Loan Value to Finance the Car 15 Cars are considered investments no matter whether they are used or new. However, most lenders will finance a used car based on its loan value rather than vehicle. This is generally lower that the actual cost of the car. If you take the purchase price minus the loan value of the car, you will get an idea of how much down payment you would need. Know your Used Car Loan Value Before you Shop If you know the loan value of a car, you can figure out how much you need to come up with to pay for your car loans. If you buy a car http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth from a dealer for 5000 dollars, the loan value is about 4000 dollars. You would be negotiating with the dealers about the down payment of 1000 dollars. This calculation also helps you stay within budget. For every car you look at you can figure out the cost of the down payment and you won’t be going out of your price range. With a loan value less than the cost of the car you have a little more of a safety net as well. So knowing the used car loan value of the car before you negotiate, will help you get a better deal, plus you won’t be surprised at the amount of down payment required and be caught off guard. MY SPECIAL REPORT E-BOOK The better prepared you are when it comes to making the deal on your car purchase, the more likely you will be able to negotiate the price you want to pay for your used car. Determining the used car loan value is one thing you can do in order to prepare. 16 http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth Eliminate Debt without Bankruptcy Times are tough and people across the country are endlessly struggling to make ends meet. The Midwest has lost thousands of manufacturing jobs and can expect to lose thousands more. It’s no wonder that individuals are carrying more credit card debt than ever before; many are likely using credit cards to simply purchase the basic necessities. Unfortunately, using credit cards comes with a hefty price – mounds of debt and high monthly bills. If you’ve recently discovered that your credit card bills are out of control, and you’re barely getting by each month, there are options available that can enable you to eliminate your credit card debt and avoid a bankruptcy filing. You see, creditors would rather accept a portion of the amount you owe them, rather than nothing at all. Because of this, you can negotiate with your creditors through debt settlement. MY SPECIAL REPORT E-BOOK Debt settlement (debt negotiation) is a process whereby you negotiate with your creditors so that they will agree to accept less than the full balance (normally 50% or less) of what is actually owed. Debt settlement is an excellent solution for individuals who can no longer afford their monthly bills, and simply want to put their debt behind them, with no further monthly payments. 17 Obviously, there are certain criteria that you must meet in order to qualify for a debt settlement program; and just like most things, the process of debt settlement can at times be frustrating. You can eliminate some of your concerns regarding debt settlement by educating yourself and learning all that you can prior to commencing a dialogue with your creditors in an effort to negotiate lower balances on your accounts. http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth There are also many firms that can represent you during the process of debt settlement. If you should choose to hire a debt settlement company to negotiate with your creditors on your behalf, be certain that the firm you hire is one that you trust and with whom you feel comfortable. MY SPECIAL REPORT E-BOOK Unfortunately, there are some debt settlement companies who are more interested in taking your money than legitimately assisting you with your financial difficulties. On the other hand, there are also many firms who will do an excellent job negotiating with your creditors and successfully eliminating your debt. A great deal of these firms will work on a contingency basis, and not accept any fees until they produce satisfactory results. 18 http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth How to Get a Copy of Your Credit Report One of the most important things that you can do to maintain an accurate credit score and report is to request a copy of it on a regular basis. Credit reports are usually defined as a document that summarizes your financial reliability and many lenders and other entities regularly report your financial performance to credit reporting agencies during the year. By requesting a copy of your credit report every year or even every six months, you can determine if all the information in the report is accurate, and if not be proactive to change it. Here are tips on how to get a copy of your credit report. There’s Not Just One Credit Report While most consumers talk about getting “a” credit report, there are actually three different credit reporting agencies that each create their own credit report. While there are usually quite similar to the information included in the report, sometimes, they can have conflicting information and inaccuracies. This is why it is important to request a report from each individual credit bureau. The three major credit bureaus include; Experian, Equifax and Trans Union. MY SPECIAL REPORT E-BOOK It’s Easy to Request a Credit Report 19 For consumers that are interested in what their credit report says about their financial history, you will be happy to know that each of these three major credit bureaus are required by law to provide you with a free credit report once a year. If you would like a report more than once each year, you will have to pay a small fee. You can easily request a free credit report by visiting the major 3 credit bureaus web site or calling them directly to request a report. Why Request a Report http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth It is extremely important to request your credit report each year to determine if any inaccuracies are present. Mistakes on your credit report can result in the rejection of a mortgage or car loan. If you are planning on making a large purchase it is always a good idea to view your credit report before making your purchase. MY SPECIAL REPORT E-BOOK You should also request a report if you believe you are a victim of identity theft. One way to reduce the damage done by identity theft is to contact the three major credit bureaus and request that any new loans and credit cards that are applied for should first seek proof of identity. Another way identity theft can be curtailed, is when you receive your credit report, you can easily look at it to determine if loans or credit cards have been taken out fraudulently. 20 http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth MY SPECIAL REPORT E-BOOK A Compilation of Wealth Building Articles by Leiannah S. Cayan TABLE OF CONTENTS A List of Great Fundraising Ideas------------------------------------------------------ 1-2 Best Retirement Planning Software-how to Find the Right Software for You----3-4 Consolidate Debt into One Monthly Payment-----------------------------------------5-6 Dealing with Credit Card Debt with a Debt Consolidation Loan Online----------7-8 Debt Consolidation Loan ---------------------------------------------------------------9-10 Debt Management Is Vital ------------------------------------------------------------11-12 Debt Relief Help - 4 Tips You Need To Know-------------------------------------13-14 Determining the Used Car Loan Value of Your Car-------------------------------15-16 Eliminate Debt without Bankruptcy -------------------------------------------------17-18 MY SPECIAL REPORT E-BOOK How to Get a Copy of Your Credit Report------------------------------------------19-20 21 http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth MY SPECIAL REPORT E-BOOK 22 http://KnightsOfOnlineMarketers.com Click Here to Discover More About How to Build Your Wealth