• Dear Friend, You Asked For More Information While At: InvestingBC.Com - Everything For Smart Real Estate Investors http://www.investingbc.com *********************************************** Hello Friend Andrew Larder from InvestingBC.com with a quick update: 1: New Product Launch: the Profit Snackbar! Yes, here's another quality product for you! I believe this will be a really HOT seller. It's called the Profit Snackbar and consists of 20 Flash movies showing people how to generate more profit from their websites. All the movies are about 10 minutes long, so people can watch one in a coffee break, or sit down for a few hours and watch the lot! People can view the movies individually for $2.99, or all 20 for $29.95... that's over 3 hours of video coaching by Neil Shearing for less than $30... less than $10 per hour! If you've EVER wanted to know the inside info on Internet Marketing.... If the $3000 seminars turned you off.... 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To top it off, he’s bundled it with over $275 worth of f.r.e.e. bonus gifts. Jack Canfield, Co-Creator of the Chicken Soup for the Soul Series said: “You can invest the next 30-40 years searching for answers or can buy this book now." You will see why Jack made such a powerful statement by going here: Visit http://hop.clickbank.net/hop.cgi?investtj/selfgrowth *************************** Armand Morin's "Internet Marketing Explained" If you think you have seen or heard anything like this before, you are wrong. This information is literally the cutting edge of Internet Marketing and the exact techniques and strategies that Armand uses on a daily basis. http://www.internetmarketingexplained.com/x.cgi?id=xxxxx&pid=76300 ********************************************** Like It Or Not, You Have A Score To Settle! (Part 2 of 2 on Credit Scoring) by Credit and You.com In part 1, we covered the basics about credit scoring – what it is and how it is calculated. It’s time to address the critical question ... What happens if you are denied credit or don’t get the terms you want? The Equal Credit Opportunity Act requires that the creditor give you a notice either with the specific reasons your application was rejected, or stating that you have the right to learn the reasons if you ask within 60 days. NOTE: Indefinite and vague reasons for denial are illegal, so ask the creditor to be specific. If you were denied credit because you are too near you credit limits on your charge cards, or you have too many credit card accounts, you may want to reapply after paying down your balances or closing some accounts. Credit scoring systems consider updated information and change over time. You also can be denied credit because of information from a credit report. If so, the Fair Credit Reporting Act requires the creditor to give you the name, address and phone number of the credit reporting agency that supplied the information. You should contact that agency to find out what your report contains. NOTE: This information is free if you request it within 60 days of being turned down for credit. The credit reporting agency can tell you what’s in your report, but only the creditor can tell you why your application was denied. If you’ve been denied credit, or didn’t get the rate or credit terms you want, ask the creditor if a credit scoring system was used. Be sure to ask what characteristics or factors were used in that system, and the best ways to improve you application. If you get credit, ask the creditor whether you are getting the best coupon and terms available and, if not, why. If you are not offered the best coupon available because of inaccuracies in your credit report, be sure to dispute the inaccurate information in your credit report. Under the Equal Credit Opportunity Act, a credit scoring system may not use certain characteristics like: Race, Sex, Marital status, National origin, or Religion. However, creditors are allowed to use age in properly designed scoring systems. But any scoring system that includes age must give equal treatment to elderly applicants. What can I do to improve my score? Credit scoring models are complex and often vary among creditors, and for different types of credit. If one factor changes, your score may change. But improvement generally depends on how that factor relates to other factors considered by the model. NOTE: Only the creditor can explain what might improve your score under the particular model used to evaluate your credit application. Nevertheless, scoring models generally evaluate the following types of information in your credit report: · Have you paid your bills on time? Payment history is a significant factor. It is likely that your score will be affected negatively if you have paid bills late, had an account referred to collections, or declared bankruptcy, if that history is reflected on your credit report. · What is your outstanding debt? Many scoring models evaluate the amount of debt you have compared to your credit limits. If the amount you owe is close to your credit limit, that is likely to have a negative effect on your score. · How long is your credit history? Generally, models consider the length of your credit track record. An insufficient credit history may have an effect on your score, but that can be offset by other factors, such as timely payment and low balances. · Have you applied for new credit recently? Many scoring models look at inquiries” on your credit report when you apply for credit. If you have applied for too many new accounts recently, that may negatively affect your score. However, not all inquiries are counted. Inquiries by creditors who are monitoring your account or looking at credit reports to make “prescreened” credit offers are not counted. · How many and what type of credit accounts do you have? Although it is generally good to have established accounts, too many credit card accounts may have a negative effect on your score. In addition, many models consider the type of credit accounts you have. For example, under some scoring models, loans form finance companies may negatively affect your credit score. Scoring models may be based on more than just information in your credit report. For example, the model may consider information from your credit application as well: your job or occupation, length of employment, or whether you own a home. Bottom Line: To improve you credit score under most models, concentrate on paying your bills on time, paying down outstanding balances, and not taking on new debts. It’s likely to take some time to improve your score significantly. Credit and You are a group of expert on credit and the author of “CREDIT AND YOU ... Secrets To Improving Your Credit Rating.” Feel free to pass this article along to family and friends. And be sure to pick up your FREE 7 day course on “Credit Basics” at http://www.creditandyou.com. ****************************************** DearReader.com BUSINESS BOOK CLUB (no co$t) I signed up for this service, for both myself and my girlfriend. I get an email every day for a week about a busines book - about 5 chapters summarized in a condensed fashion - definitely enough to see if you're interested in the book! My girlfriend gets fiction books, and there are other clubs too. ******************************************** Start Your FRE-E Trial Membership of "Secrets To Their Success" Now! (no co$t) http://dynamic.secretstotheirsuccess.com/t.cgi/8797/free Right away, you'll be able to start learning the private techniques and strategies of "real people" who are making very substantial incomes online. http://dynamic.secretstotheirsuccess.com/t.cgi/8797/free *************************** ** FINALLY! EVERY SELF-HELP EXPERT IN ONE PLACE ** "Self Improvement: The Top 101 Experts That Help Us Improve Our Lives" is the *New Encyclopedia* of self-help. Learn the secrets of Tony Robbins, Dr. Phil, Zig Ziglar, Deepak Chopra, Stephen Covey, Wayne Dyer, Dale Carnegie, plus 94 more in this epic 460 page book on Self Improvement. Visit http://hop.clickbank.net/hop.cgi?investtj/selfgrowth *************************** Our NEW Real Estate Marketing Blog Da DA DAAAAAAA! http://investingbc.blogspot.com/ *************************** Trying to negotiate a mortgage? An independent consultant could get you a better deal than your bank. By Michael Averbach, Mortgage Group July 2004 Shopping for a mortgage in Canada is changing. New mortgage features and options are being introduced every day. Knowing what's right for you and how much to pay has become increasingly complicated. Maybe that's why more than one in four Canadian mortgages are now negotiated by mortgage brokers. Contacting different lenders, trying to compare different rate structures and options – the entire mortgage process can be quite intimidating. All mortgages are not "created equal" and, based on your circumstances, one mortgage could be substantially better for you than another. Financial institutions sell only their own products to the public through their own sales force. As a result, they can neither provide unbiased advice nor a wide variety of products, whereas mortgage consultants can. Consultants deal with as many as 27 different lenders, therefore they are able to search for numerous products from a variety of institutions, including banks, trust companies, insurance companies and credit unions. Finding the one that offers the best product, rate and terms for your particular needs is their primary objective – consultants are able to negotiate on your behalf, structuring deals to meet your criteria and those of the lenders. Many people believe that if they've been with their bank for a certain number of years, they will automatically get their bank's best rate or better. What they don't realize is that the branch is looking out for the institution's own bottom line and bank representatives are actually rewarded when they offer the client a rate higher than the lowest discounted rate, as that means more profit for the bank. On the other hand, a mortgage consultant doesn't represent a specific bank and is better able to look after your interests. To gain market share from mortgage consulting companies and individual brokers, the majority of lenders pay a finder's fee for referred business. Due to the volume of business done by such companies as the Mortgage Group, Capital Direct Lending Corp. and other mortgage consultants, fees are paid by the banks and consultants receive fast approvals in order to gain their business. This allows consultants to shop among the various financial institutions with, in almost all cases, no co$t to the borrower. How can banks offer independent mortgage brokers a better rate for their prospective clients? Lenders want to gain new business without the stress and cost of directly dealing with customers on a time-consuming, one-on-one basis. Essentially, it is more cost-effective for lenders, as they only pay independent brokers for production and there is no overhead, which there would be if the consultant worked at the branch. Furthermore, when you deal directly with a financial institution and your mortgage is declined, for whatever reason, you must begin the application process all over again with another lender. When you deal with a consultant, the application can easily be redirected to another lender(s) for consideration. Typically, the entire application process can be completed in under a day. An independent consultant can also often help co-ordinate your "home-buying team," with referrals to realtors, financial advisors, real estate lawyers, appraisers, home inspectors, insurance advisors and even moving companies and landscapers. Many of these services can be offered at discounted rates just like the mortgage. Whether you are purchasing a new home or commercial property, refinancing high-interest credit cards and loans, doing home renovations or new construction, or simply switching your current mortgage to another institution for a better rate, a mortgage consultant can be of considerable help and can save you both time and money. Two things in short supply these days. Mike Averbach is a mortgage consultant with the Mortgage Group in Vancouver. Any questions can be e-mailed to him at maverbach@mortgagegrp.com or call (604) 710-2550. *************************** Our NEW Real Estate Forum Da DA DAAAAAAA! This one is for YOU! Put up notices of inveswtment properties for sale, wanted, discussions, whatever! This will be a real estate hotspot, if we keep the discussions going! http://investingbc.blogspot.com/ *********************** Real Estate Training *********************** Tax Lien Certificate Investments - $29 How to earn 16 - 25%, government GUARANTEED. http://hop.clickbank.net/?investtj/taxsale ================================================== Today's saying: --------------- "Success is a matter of expectation." -- Unknown ================================================== Hope this is helping you, Andrew Larder, INVEST.TJ - Everything For Smart Real Estate Investors http://invest.150m.com Tons of Real Estate Investing Books, Courses and Packages! http://invest.150m.com/get-rich-quick-book-store.html ******************************************** Rogue Real Estate Investor Collection - $39.97 Learn one of the easiest and safest way to financial success - REAL ESTATE. Collection includes books on Real Estate, Real Estate Investment Trusts and Tax liens. 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(takes about 30 minutes) ================================================== Thanks for telling YOUR FRIENDS how to subscribe ================================================== To subscribe, simply visit this website: http://invest.150m.com For INVEST.TJ Creative Real Estate Newsletter: Blank email to monopolyinvest@getresponse.com For Rental Secrets 5 Issue Mini-Course: Blank email to rentalreport@getresponse.com For Internet Success 5 Issue Mini-Course: Blank email to computerdollars@getresponse.com ================================================== To U N - S U B S C R I B E , see below

  July 30th, 2004 at 5:55 pm

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