How to pay off your mortgage early - retire home loan – MSN Money

How to pay off your mortgage early - retire home loan – MSN Money

This is a great article to compare ways to pay off ones mortgage early. However, I see they take a ding at the money merge version (the Australian method) being the hardest to do and maybe not worth it. I totally disagree. They don't support the American version because that particular version involves software that was sold for $3500 through U1st Financial. This was a network marketing model that was used by U1st to bring this service to the American public while allowing individuals to build a business worthy of having in my opinion. Showing Americans how to take back control of their finances and save thousands in interest. What's wrong with that? I believe it was a great idea that did some great good. But unfortunately nothing lasts forever and now the company sold to Market America -- another network marketing company that has hundreds of other products and services and will put the American version of the money merge account into its existing business model. Why am I saying all of this? Yes, I was a rep for U1st Financial but I was unsuccessful in being able to bring what I believe is a great service to the public as a successful rep but that doesn't make the product a bad one. In fact I think the American or Australian version of the money merge account is the better solution than any other method mentioned in the article. I believe it's faster and gives one more control of their finances. However, I do agree that is it more difficult because of the degree of discipline needed. But I will also add that the expensive software can help you gain the discipline that you need to be able to succeed. Is it worth $3500? If you can save $10,000 - 20,000 in interest wouldn't that be worth $3500? Do your research. Make your own choice.

Are Americans Really Clueless About Credit?

Americans clueless on credit scores- MSN Money

How should we Americans feel about this? Should we feel like we're not smart? We only scored 60 which according to the article is a low passing grade in school. So what are we going to do about this? A lot of questions only bring more questions. President Barack Obama said in one of his speeches I believe during a father's day that personal responsibility has to come into play for all of the young men who are fathers. I believe this same "personal responsibility" applies to all of us Americans who need to get a handle on our credit. We first need to have a better understanding of our credit in order to get a better handle on it. I would recommend Kevin Trudeau's book, Debt Cure$ They Don't want you to Know About. This book I believe is an easy read that has some great simple, doable strategies to help you get a better credit rating, understand your credit and really be able to do something about it for your ultimate benefit.

We Americans owe it to ourselves to do a better job of understanding our credit. Not just for a better title in an article, but for the financial well-being of our individual selves and our families. We need to get a handle on our credit.

A Lifetime of Debt: The Financial Journey of the Average American | e3woman

A Lifetime of Debt: The Financial Journey of the Average American | e3woman

This is the journey most of us take in our lives and where we end up. We need to change the journey and the outcome. What do you think.
I thought this was an excellent visual aid to show anyone what their financial life may look like and then you can decide to take control to change it.

Don't forget to take that first step, you need to get your credit report from all three credit bureaus: Experian, Equifax and TransUnion. You will also need your credit scores from all three credit bureaus in order to get the full, real picture of your financial state of being.

Please feel free to leave any and all comments. I want to hear your thoughts.