Eliminate Debt Now!At last, discover the hidden secrets to prevent debt from ruining your life, your health, and your relationships!
Date: February 27, 2007 From: Dennis Becker Have you heard the famous song that goes "16 tons and what do you get? Another day older and deeper in debt?" The basic story behind the song is that the typical coal miner of that era would load 16 tons a day worth of coal onto the company rail cars. The company store gave them credit, with which they could purchase food, clothing, household supplies, etc. At the end of the week the tab for what they owed would be deducted from their paycheck. Invariably the miners got to the point where they owed more than their paycheck, so they got further and further behind every week. They were locked into their backbreaking job until the debt was paid back, and the company made sure that wouldn't happen. Is that what you feel like at the end of the day? Is your paycheck all spoken for before you receive it? Or do you know someone in that situation and just want to make sure you don't get into that boat? Let me tell you a story about someone I know (the names have been changed to protect the privacy, but I'll bet you could find a similar story in just about every town in America): Jack grew up in a small town in middle America. His parents were hardly rich, but Jack didn't know that. In his mind, if he could play ball all day, had a warm bed, good friends, and did well in school, life was perfect. When Jack went away to college, he met people of different interests and backgrounds from what he had been accustomed to. In high school, making the football team was enough to ensure popularity. Now Jack had to start over. The first thing Jack needed to fit in was a new wardrobe. Though his school budget was tight, everyone needed the basics of survival, which were food, clothing, and shelter, right? At first Jack's parents were glad to help him out, and life for Jack was good. As Jack progressed through his college term, he became more and more independent and self sufficient. He joined a top fraternity, lived off campus, and being the lady-killer that he was, he was constantly on the go. The bills for the new clothes, restaurant tabs, shows, out of town trips, all added up and became budget busters. But life was still good because Jack was not only popular in school, he was popular with the credit card companies who fell all over themselves giving Jack free money. Or so it seemed. When Jack graduated, he got a good job with a small up and coming software company. The pay was OK. In the early 70's, Jack was able to buy a good used car for around $700 and gas was only 30 cents a gallon. His apartment cost him $60 a month. After six months, Jack got his first pay raise. He felt great about that, and decided it was time to get a nicer apartment. It was further from work, and his old used car wasn't all that reliable, so he decided it was time to get his first new car. But it seemed strange. At the end of the month there wasn't as much money left over in Jack's checking account as there was before the raise. Jack figured it probably had to do with the car payment, but he wasn't worried because he'd be getting another raise soon enough. Until then, he could use his credit cards for some things if he ran short. Jack's boss was a real salesman. He regularly took his people out for lunch, or for drinks after work. One of the things Jack learned from his boss was that it takes money to make money. Jack believed that with all his heart. Jack yearned for the better things that his parents never had, but that his boss had. It seemed funny, when Jack didn't know any better, he didn't miss the finer things in life, but now ... As time progressed, Jack settled down, got married, and started a family. It was only a short time before Jack and Patricia decided they really needed to buy a house. They couldn't afford it, but then again they couldn't afford not to. Rents in the better parts of town were going up anyway, and they needed more than a 1-bedroom apartment, so they bit the bullet and took a mortgage on a nice house in the suburbs. Fast forward a few years. Jack's career was going really well. He'd received nice promotions and raises over the years, they even thought so much of him that he was given a company car. That sure helped financially. But he felt stuck. The long hours, the traveling, the constant pressure, it was getting to him, and his family was noticing it more and more. One day he talked to an executive that could really use someone like Jack for a few months, and right then and there Jack started thinking about going into business for himself, providing consulting services in his speciality. He could charge top rates, and he could set his own schedule. He was sure there would be more clients after the first job wound down. What the heck, he was still young, if it didn't work out he could always find another good job anywhere. When Jack resigned from his job, he had to turn in the keys to the company car he had been using. Of course that meant buying a new one that was fancy enough to drive up to clients' offices in style. Jack's credit was good, so that was no problem. Jack also found out the bad news about paying for his own health and medical insurance, but Jack wasn't worried. In six months he could make as much as he did in a year at his old job. And there were more clients out there, maybe he could bring in other people to take on more contracts. Maybe someday soon Jack could become like his old boss. After a couple years of consulting, Jack was in constant demand. He travelled extensively and though he wasn't constantly busy, it was his choice not to be. After a couple weeks on the road, he deserved a break, and loved taking his wife and kids to nice vacation resorts. Life was very good for Jack. If he couldn't afford the trip that month, he'd take it anyway, he could always put it on the card and pay it off when more money came. After a few more years, Jack realized that, although he had become one of the top experts in his field, his area of expertise was in less demand now. A computer generation is typically five years, and Jack had been specializing in his area of expertise for eight years. He could see a problem coming in the future. Though Jack had put aside some savings, invested in the market, set up his IRA's, all was not well. Jack had trouble sleeping. He looked at his mortgage, his rising real estate taxes, his credit card bills, and his other commitments. Jack sensed that finding new clients wasn't going to be so easy anymore, and he was worried. How would he pay his health insurance premiums, the mortgage, the payments on his loans and credit cards, the private school tuition for his oldest boy, the real estate taxes? Could he find a job at age 40 with obsolete skills? And even if he did, could he still afford to live in the manner to which he had become accustomed? Does this story sound familiar? Millions of Americans have lived the good life so well that they're in debt so deep, they're one illness, one pregnancy, one accident, or one tax or interest-rate increase away from possible bankruptcy. Dear friend, I don't know what your personal situation is, but credit and debt is something that almost all of us live with. It's like the old saying: "You can't live with it, and you can't live without it"! The graphic on the top of the page states my opinion clearly: CREDIT IS A FOUR LETTER WORD! 4-letter words are normally reserved for the streets, for the rap albums, for late night television, right? So why is credit so popular in our society. And more puzzling, why can't I count?!! Let me repeat. CREDIT IS A 4-LETTER WORD! When someone gives you "credit", they really aren't giving you anything of substance. What they're giving you is more intangible, they're giving you credit for having the financial resources and responsibility to buy money from them for more than it's worth. That's right. They're counting on the fact that if they give you a credit limit of $5000, you'll use it. You'll take their money, or at least some of it. And after you do that, you'll pay it back slowly. With interest. Every month. For a long time. So if you let them give you $2000 worth of merchandise, they count on you paying them maybe $2500, $3000, $4000, or more for the privilege. What they've given you is: DEBT And my friend, debt surely is a 4-letter word. So let's get back to Jack for a minute. What did Jack do wrong, if anything? And how can you avoid ending up like Jack, older and deeper in debt, with no easy way to get out of it except to win the lottery? Read the story again, look for clues, you'll see some problems. And perhaps you have some of those same problems. Fortunately, we can help. Whether you're Jack, or like Jack, or want to avoid becoming like Jack, I have good news. I've spent months of research, thousands of hours, and have spared no expense to put together a book called (you guessed it!): CREDIT IS A FOUR LETTER WORD or C4LW for short. C4LW is a reference book that reads like a "How To" book. It will be your guide regardless of your current financial situation. For those who are lucky enough to be young and still relatively debt-free, C4LW will show you things like:
For those that are confused about credit, debt, credit scores and reports, we explain it all:
Since most people do have credit cards, and most of those people are just paying the minimum or slightly more, we talk about:
Of course, as you go through life, you'll want to incur some debt. For example home ownership has proven to be the best investment of all, in most locations. If you wait until you can pay for a home out of savings, most people will never catch up with rising prices. So this is debt you'll want to consider. We talk about:
For those with moderate debt problems, or those that want to avoid them, there are sections on:
And for those with severe debt problems:
AND MUCH, MUCH MORE! As you can see, "Credit is a Four Letter Word" is indispensible regardless of your current financial situation, and will be there with you in the years to come as your situation changes. C4LW will be your financial guide through the best of times, through the worst of times, and every time in between, regardless of where you are now. "Credit is a Four Letter Word" is not a book you will read once and forget about. It's a book that you'll read, highlight, take notes, and come back to again and again throughout your life and career. C4LW will help prevent you from making mistakes that could cost you tens of thousands of dollars in interest, penalties, service charges, and inflated auto insurance premiums. It will help you recover from overspending or mistakes of the past. Or, it could be given to someone who's just starting out in life that needs some guidance. You know, someone who doesn't want to be lectured, but still needs some help? Regardless of your current financial situation, whether you're debt free, or whether debt is like an albatross on your back, "Credit is a Four Letter Word" will assist you in making sound financial decisions from this point forward. Look at it this way. Can you afford to make financial mistakes? What will just one mistake cost you? A hundred dollars? A thousand dollars? Yes, if you're lucky. Maybe it will mean you can't retire when you want to. Maybe you won't be able to take the vacations you deserve and desperately need. Maybe you won't qualify for the mortgage on your dream home and have to keep paying rent to your landlord. Or, if you're like Jack and millions of other Americans, it might cost you your freedom, maybe even your health, maybe cause harm to a relationship. Every day, another day older and deeper in debt. Not you? Jack said that, too, in the beginning. Do you know that a lower credit score can cost you 5, 10, 15% on interest rates? Would you like to know how to improve your credit score so that you can save that money? Do you know that a low credit score can cost you 100's of dollars each and every year on your auto insurance? Just your auto insurance, not to mention credit card rates, mortgage rates, auto loan rates, and on and on and on! Do you know that having too many, or too few, credit cards can hurt your credit? Do you think that having one maxed out credit card is better than 8 cards? Do you know why credit card companies just love college students? The answer might surprise you. Do you really understand the fine print in the terms and conditions of your credit card? If so, do you know that accepting a low-interest or no-interest balance transfer can really be costing you more money than it's saving you? You don't really think zero interest offers are given because they're your friend, do you? What you don't know is costing you money each and every month. "Credit is a Four Letter Word" is available as a downloadable eBook. What that means is that immediately after payment is made through our secure server, you'll be directed to a download area where you can access your new guide to your financial life. You don't have to pay shipping charges, you don't have to wait, you don't even have to spend valuable time and money to go to the book store to find it. Can you afford to be without this help? If you're like most Americans, you're overpaying on interest rates, auto insurance, mortgage rates, and more. The price of "Credit is a Four Letter Word" will be an investment in bringing down your debt quicker and easier than you could ever imagine. You could easily save more per month, every month, for the rest of your life, than the one time cost of C4LW. Let's recap. If you purchase "Credit is a Four Letter Word" today, here's what you can expect to start learning in the next 10 minutes:
Once you start reading and using "Credit is a Four Letter Word", you'll wonder how you ever lived without it. You'll start making better financial decisions, and you'll learn how to stay out of debt or get out of debt quicker than you ever thought possible. Still not convinced? Good. That means you're resisting impulsive purchases already, and you need to be shown the value in the things you purchase. That's one of the things I want to have the opportunity to show you, and one of the habits that will get you debt free. If I can show you the value, will that make you feel more comfortable? I'd like to do just that. Just fill out the form below, and I'll let you have a sneak peek at the full table of contents and a few actual chapters out of the full book. If you still aren't convinced, then maybe you don't need "Credit is a Four Letter Word" as much as tens of millions of Americans do, but if you're in debt, I'm sure there's something in here that will save you money and stress. I'm so convinced that the sneak peak at C4LW will be of such value to you, that you'll want to own the entire book. If you agree that I'm offering you a can't lose situation by giving you this free sneak peak, just fill in your name and email address in the box below. However, if you already know you want "Credit is a Four Letter Word", and want to join the other happy customers that are learning to get their debt under control, just click on the link below and in just a few minutes you'll be experiencing the benefits of financial control!
BONUSES IF YOU ORDER TODAY: If you've read this far, I'm sure that you've seen something on this page that made you feel that I was talking about your situation. I'd hate to have you leave this page because you felt that C4LW wasn't a tremendous value. So, just in case you aren't easily convinced, I'm going to throw in some bonus products if you order today. I can't guarantee that these same bonuses will be available the next time you visit this page, so take advantage now.
By now you're probably wondering if you can afford to purchase "Credit is a Four Letter Word". C4LW is not a typical mass produced paper back book that you can purchase at your local bookstore. Those books quickly become out of date, and either you're reading useless old information, or you're needing to go back to the bookstore to buy this year's version. I could have easily priced this electronic book at $47.00, maybe even more. At that price, it's well less than just the first consultation with a credit repair specialist, and far less than what it would cost to get legal advice about debt consolidation, debt settlement, or bankruptcy. Heck it's less than what most of my readers are wasting every month on excess interest charges. But, I realize there is a large audience of potential readers that will be more willing to buy my book if the price is lower. Therefore, I'm bringing down the price of "Credit is a Four Letter Word" to a price that might change soon: Only $17.00 for all this! Yes, just $17.00 for more than just a book, more like a system that could change your life. I know this book can be your key to financial survival in these tough times. As an added bonus, if you suffer from debt stress, it could also be a medical breakthrough for you as well as those in your family that are affected by your debt problems! If you're ready to order now, you'll get all the bonuses, and a 100% iron clad guarantee of satisfaction. Or, you can just get the sample excerpt, read it over, think about it, and hopefully that price and those bonuses will be here when you decide to pull the trigger. It's your call. Either way, I sincerely hope that, if you have debt problems, you work them out. Believe me, it will change your life if you do! Some information in "Credit is a Four Letter Word" is slanted towards U.S. laws and financial institutions. However, most of the information is universal, and will be useful and valuable to customers in other countries also. Sincerely, Dennis Becker P.S. Don't miss out, I'd hate to see you leave this page and then forget where you heard about us, I really believe that this information can make a difference in your life. It made a difference in mine, I had about as bad a problem as anyone with debt, and the pain, suffering, research, and answers have been incorporated into "Credit is a Four Letter Word". At the very least, get the free excerpt, there is no obligation, and it contains good information. Even if you don't come back and purchase the full book, I'd like you to have it. Really.
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