Webcasts and Financial Planner

A burns injury often give extraordinary pressure on the family's financial and situation led to debt increased during the restoration. There are a some family who experience a financial completion due to the cause of their accident and may not have the knowledge, skills, or information to face this urgent financial condition. The Sudden Money Institute and The Phoenix Society have collaborated to place a series of webcasts together to give you with knowledge and information of webcasts and financial planner on the following financial title:

Topic 1: INTRODUCTION

Discussion for planning the intersection of your life and your new money as set up to accept a legal settlement.

Topic 2: SETTLEMENT OPTIONS

Primary information including the different kinds of settlements, the pros and cons of each, and how to know what works optimum for you.

Topic 3: DEBT

Information to include identifying and tracking income and spending, money goals, dealing with collection agencies and creditors, and debt consolidation. This is a major priority to address before a settlement arrives.

Topic 4: HOME PURCHASE

Information on what kind of house that match for your conditions, paying cash or taking out a mortgage, owning or renting and calculation of the cost of having a house.

Topic 5: INSURANCE

Knowledge of the types of coverage you need (personal liability, auto, life, homeowners, health, long term care), what you have now and how a situation can change, and costs not covered by insurance.

Topic 6: INVESTING FOR INCOME

All the basic information about where the money generated, long term trends, inflation and taxes, evaluating risk and reward, and today living under standard, that means to afford your life in the future.

Topic 7: WORKDING WITH AN ADVISOR

All information about an investment advisor, what happens in the first meeting, registered investment advisor, registered rep, the differences between advisor and a broker, webcasts and financial planner and insurance agent, how and how much they paid.

Webcasts and financial planner education are prepared to help you organize your life plan and your financial future and guide you to make decisions that you have created so far.

We encourage you to follow each of the seven segment, complete the workbook and find a trained financial planner to help make current decisions, you can also find webcast financial planner to organize your plan and remain your trusted source of guidance for decades to come.

Your biggest investment is your time for yourself and your beloved family

Credit repair scam - How to avoid being a statistic?

By Bill Smith

A good credit history is critically important for the consumer. A bad credit will prevent you from getting a business loan, owning a home, or even a job. Promises to "fix" your credit are always made by credit consolidation companies, but they are seldom true. Here are some of the important tips to avoid scams:


First things first. Negative information cannot be erased if the information is correct. Only inaccurate information can be corrected in your credit file. Credit file information remains on your record for seven good years from the time it is reported to the bureau. For bankruptcy, the information remains on your record for ten years. All the consolidated information about your credit bills you fell behind on, but are now paid, will remain on your report for the time period mentioned above.

Do not pay the credit repair company unless their promises are kept. Remember, the law is on your side. Federal law requires credit repair companies to give you a complete detailed explanation of your legal rights, a completely documented written contract, and above all, 3 days to cancel. This applies to all credit repair services including for-profit services, non-profit services, creditors and credit unions.

Be wary about emails you receive. When you hover your mouse over the link in the email, you will know for sure if it is a trusted website or a fraudelent one. If fraudelent, report it to your bank promptly.

You don't need a counselor to correct your mistakes in the credit report. Take charge of it yourself. If you were recently denied credit, you can request a free credit report. Otherwise there is a small charge for it. Some states will allow you a free copy of your credit report once a year. It doesn't cost you anything to dispute or question items in your credit report. Get online or follow instructions from your credit bureau. The three major credit bureaus are Equifax (800- 685-1111), Experian (800-682-7654) and Transunion (800-916-8800). In most cases you will need to contact all the three credit bureaus as the information they have about you may vary.

Remember that you can't create a second credit file. Some of the fraudelent companies will offer to provide the consumers with a different social security number (tax identification number if ssn does not exist) in order to create a new credit file for the consumer. Such a practice is called as "file segregation". File segregation is illegal and does not work.

Whereever possible, add explanation to your credit report to prove your point. If you have legitimate reasons for not paying certain bills on time (switching jobs, illness), or if you refused to pay because of a dispute, send the bureau a statement to be tagged with your credit report. Each lender who pulls your report will be aware why you fell behind on those bills.

Counseling might be a good option. Find a good non profit consumer credit counseling service in your neighbourhood. Get online or open your yellow pages to find one. Seek the guidance of friends and family members. Select a counselor, meet them in person to make sure they are right for you. Ask them on tips and advice on how to build a good credit history. If you are still lagging behind on your payments, credit consolidation firms will be able to set up a payment plan with your creditors. If money is an issue, select a non profit credit counseling service. They will offer their service for free or for a very low cost.

About the author:
"@Copyrights 2005" - Bill A Smith is a credit counselor for Ameri credit management agency. Bill has over 10 years of experience in providing credit consolidation, credit counseling and credit management services to clients.