• Dear Friend, You Asked For More Information While At: InvestingBC.Com - Everything For Smart Real Estate Investors http://www.investingbc.com *********************************************** TONS of Great Stuff In This Issue!! I promise that you'll be Swamped with Stuff to Listen To, Swamped With Stuff To Read....Flat Out Swamped!!!! Lets start out with the Main Page at InvestingBC.com There are 235 Real Estate Articles for you there!!! On EVERY conceivable real estate topic! 235!!!!! (no co$t) Swamped Yet??? LOL ============================================== "227 Unusual Business Ideas" is a remarkable resource jampacked with unusual business ideas handpicked from the most weird and way-out businesses on the planet! 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IDEA # 118 - Doggles - unique goggles for dogs who squint in the sun. ===>http://www.UnusualBusinessIdeas.com/cmd.asp?af=154375 ============================================== Here are 117 hours of downloadable audio interviews, marketing lessons and transcripts from some of the GREATEST marketing minds ever! http://www.executiveaudioinstitute.com/ I Warned You!!!LOL (no co$t) ************************************ My friend William Charlwood has written The Definitive Guide to Google AdSense which tells you exactly how to make money by hosting small ads on your website. It is a detailed road-map of everything you need to do to get going and then maximize your AdSense income. Once you've got it right, you can look forward to a check every month from Google. To find out more go to: http://hop.clickbank.net/?investtj/1insider *************************************** Best of all - a TON of EBooks are available gratis here: (no co$t) http://www.freeresalerightsvault.com/in/investtj.html *************************************** Ya want some Canadian content???? The Canadian Land Letter Learn the secrets of Canadian Property Investment. http://hop.clickbank.net/?investtj/cdnlandlet **************************************** Getting Woozy Yet?? LOL How About A Fr-ee EBook? (no co$t) "The Amazingly Simple Internet Strategy That Makes You Money And Builds Your List Fast.... Even If You Have No Product Of Your Own To Sell" http://invest.150m.com/amazinglysimple_branded.pdf **************************************** SPECIAL FATHER'S DAY ARTICLE TIPS FOR DADS WITH YOUNG CHILDREN The following are seven steps to ensure you are taking care of your responsibilities as a father with young children. 1) Write a will. Even if you don't have a large estate, a will is necessary to designate the guardian for your children. If you and your spouse die intestate (without a will) then the court will appoint guardians for your children. Courts will generally make the guardian decision based on income, and not similar ideologies or parental philosophies. 2) If you don't have a large estate, make sure you have enough life insurance. If one or both of you dies, you need to make sure the surviving spouse and children are provided for. Figure out what your yearly budget is, then figure that amount for 12-18 years, increasing 4% per year to pace inflation. For instance, if you are spending your $30k a year salary now, add $31,200 for 2005, $32,448 for 2006, etc. That total number is a good figure to consider when thinking about life insurance. Consider a $1-million policy if you'd like to provide for college. 3) Definitely purchase disability insurance. This is an often overlooked area of family protection, that is even more important that life insurance. Most corporate sponsored disability plans don't provide enough coverage for the family. Check into your current plan, and consider a supplemental policy. Remember, disability often involves increase medical expenses, and at-home health care. 4) Max out your 401(k), IRA, or any retirement plan available to you. In the worst case, your children can get federally subsidized financial aid for college. Last I looked at their fiscal health, social security was not going to be able to subsidize anyone's retirement in the near future. 5) Look into your state's 529 college savings plan or prepaid tuition plan. A prepaid tuition plan locks your children's' tuition at today's rates, but it only applies for the college you choose. With a college savings plan, you can contribute $25 a month or up to $250,000 each year to these state sponsored plans. The money grows tax free provided it is used for college costs. Many states, like Illinois, allow your child to use this money for any accredited school of their choice, not just an Illinois school. You can contribute to a 529 savings plan in any state, regardless of where you reside or your child attends school. 6) Open an education IRA (now called a Coverdell education savings account). You can now contribute $2,000 a year into an account that grows tax-free for life. Unlike 529 plans, which are managed plans, education IRAs may be self-directed. 7) If you have a business, employee your children. There are a number of things that even an infant can do to earn income from your business -- my favorite example is modeling for advertising. You can use this method to shift income from your business to your family. You can open a Roth IRA on your child's behalf. Regardless of their age, your children are eligible for a Roth IRA as long as he has earned income. Investing $3,000 a year at a relatively low and safe 2% money market rate for 60 years will result in a retirement account of $412,114. Thanks to Donna Fox for contributing the above article. Forward this to any fathers you know with young children. Donna along with her business partner Paulie Sabol, were two of the featured instructors at our recent MrLandlord.com Convention. This whole article is from the excellent resources at Mrlandlord.com ******************************************** Like It Or Not, You Have A Score To Settle! (Part 1 of 2 on Credit Scoring) by Credit and You.com Just when most people finish with school and can stop worrying about test scores, there’s a new kind of scoring that enters the picture. It’s called credit scoring. And, its impact on your financial future can mean more to you than a college degree. You may never know your precise credit score, but you need to know if you’re at risk! Credit Scoring ... Why It’s So Important: Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay mortgages. Precisely what is credit scoring? Credit scoring is a system creditors use to help determine whether to give you credit. Information about you and your credit experiences, such as bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and age of your accounts is collected from credit applications and your credit report. Using a statistical program, creditors compare this information to the credit performance of consumers with similar profiles. A credit scoring system awards points for each factor that helps predict who is most likely to repay a debt. Total number of points (credit score) helps predict how creditworthy you are; how likely it is that you will repay a loan and make payments when due. You may never know your precise credit score, but you need to know if you’re at risk! Why is credit scoring used? Credit scoring is based on real data and statistics, so it usually is more reliable than subjective or judgmental methods. It treats all applications objectively. Judgmental methods typically rely on criteria that are not systematically tested and can vary when applied by different individuals. To develop a model, a creditor selects a random sample of its customers (or a sample of similar customers if their sample is not large enough), and analyzes it statistically to identify characteristics that relate to creditworthiness. Then, each of these factors is assigned a weight based on how strong a predictor it is of who would be a good credit risk. Each creditor may use its own credit scoring model, different scoring models for different types of credit, or a generic model developed by a credit scoring company. How reliable is the credit scoring system? Credit scoring systems enable creditors to evaluate millions of applicants consistently and impartially on many different characteristics. But to be statistically valid, credit scoring systems must be based on a big enough sample. Remember that these systems generally very from creditor to creditor. Although you may think such a system is arbitrary or impersonal, it can help make decisions faster, more accurately, and more impartially than individuals when it is properly designed. In fact, many creditors design their systems so that, in marginal cases, applicants whose scores are not high enough to pass easily, or are low enough to fail absolutely are referred to a credit manager who decides whether the company or lender will extend credit. This may allow for discussion and negotiation between the credit manager and the consumer. What happens if you are denied credit or don’t get the terms you want? For the answer to that crucial question and how to improve your credit score, be sure to read Part II of “Like It Or Not, You Have A Score To Settle.” (PART 2 Coming In A Future InvestingBC.com Newsletter!) Credit and You are a group of expert on credit and the authors 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 ******************************************** Betcha THAT will keep you busy! - 235 new real estate articles - 117 hours of audio transcriptions from all the greats - and tons of Fr-ee EBooks Swamped, I tell ya! Enjoy! Sincerely, Andrew Larder, InvestingBC.com - Everything For Smart Real Estate Investors http://www.investingbc.com Tons of Real Estate Investing Books, Courses and Packages! http://invest.150m.com/get-rich-quick-book-store.html *********************************** Secrets To Real Estate Millions $29.95 Here's How You Can Make Millions in Real Estate.. 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No problem. Just follow this link: [[next_message]] and you'll receive it ASAP! (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 23rd, 2004 at 12:20 pm

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