TJT Financial Services and Financial Education Services is proud to offer "MyCare Plan™"

What is "MyCare Plan™"?Life can be full of uncertainties. Who will inherit your property when you die? Who will take care of your spouse and minor children should you not be able to? What kind of medical treatments would you like receive if you become critically ill? You can't always control the unfortunate circumstances in your life, however you can have a plan in place should they occur. MyCare Plan™ will enable you to plan not only for yourself, but for your loved ones as well.
MyCare Plan™ is our way of helping you plan for life's uncertainties. It includes a variety of planning tools and options so that you may customize your plans for yourself and your family.
MyCare Plan™ will assist you with the following essentials:
Preparing a Financial Power of Attorney and a Health Care Power of Attorney - talking to family members now to decide how to handle your financial and medical affairs should you become incapable of making your own decisions.
Preparing a will and establishing a living trust that will distribute your property according to your wishes after you die.
Who needs MyCare Plan™?
MyCare Plan™ is something everyone needs to do, not just "wealthy" people. You don't need to be rich to become ill or injured, nor do you need to be wealthy to provide for and protect your family's financial affairs.
MyCare Plan™ will put you in greater control of the financial and health care decisions that directly affect the lives of you and your family.
Plan while you can. It's not enough to simply want to do the right thing; you need to make sure it happens. Let MyCare Plan™ turn your good intentions into good planning and security for your family.
Enroll Today! Visit http://tjtfinancialservices.com/Debt_Credit_Help.php click on my care logo under services.
Tim J Thrift
TJT Financial Services
http://www.tjtfinancialservices.com/
tim@tjtfinancialservices.com
248-830-4832

TJT Financial Services Announces Auto Loan Program for People With Credit Challenges.

Our Easy Auto Loan Program allows people with credit problems to apply for a loan in the privacy of their own home. Now these consumers will not have to be subject to slow service and the embarrassment of discussing their credit issues with strangers when they go to an auto dealer.Through our program, the buyer simply completes a short application online and within 24 hours, they will know if they were approved.They will be notified both by phone and email as to the status of their application.
Once the loan is approved, a packet containing a check in the amount of the loan is sent overnight by Federal Express. Once the borrower has received the check, and supplied necessary documents for address verification and proof of insurance, they are ready to go car shopping! This process gives the buyer the power to negotiate because they already have the funds and don't have to wait to be approved for financing. The program serves buyers with credit scores ranging from 475-620 with interest rates from 10-19 %. Typically, people with credit scores in these ranges pay much higher interest for auto loans so the buyer saves money by going through this program to obtain their financing.
General Guidelines:
You must be at least 18 years of age or older.
You must be a current U.S. resident.
Vehicle must be Model Year of 2001 or newer with less than 70,000 miles.
New and used dealer purchases must transact at a franchised dealership with your state of residence.
Gross monthly salary must be at least $ 2,000 if applying as an individual or $2,400 combined if buying jointly.
Must be employed in same position for one year or longer.
Loan request must be between $7,500 and $50,000.
Previous declared bankruptcy must have been discharged.
Borrower must not have a late mortgage or auto loan payment in past year.
No motorcycle purchases.
No commercial, cargo, conversion, customized or 1-ton vehicles.
*Program not available in the following states: Hawaii, Louisiana, Tennessee
Get Started Today! Click here to begin!

TIM J.THRIFT
TJT Financial Services
Debt & Credit Solutions That Work!
http://tjtfinancialservices.com/Debt_Credit_Help.php
PH: 1-248-830-4832
Fax/Voice: 1-206-350-2925"Whatever we think about and thank about we bring about"

United Credit Education Services, Helps Mortgage Broker's assist clients with credit problems.

It's in the news everyday, foreclosure at an all time high, Consumer debt at an all time high, Consumers suffering with credit problems and unable to refinance their adjustable rate mortgage to a fixed mortgage.

Hello,
My name is Tim Thrift of TJT Financial Services located in Ortonville, MI. I am a certified credit & debt consultant and an independent representative of United Credit Education Services.
I am working with local and national mortgage companies helping them with the clients they are unable to refinance or finance into a home mortgage. Many borrowers today have credit problems and just are not aware that they can do something about it.

More and more loan officers are trying to optimize their leads by referring their clients to me and getting them enrolled into our credit repair program. The clients are paying $399 for the credit repair services in many cases, 30 to 40% of the negative items will normally be corrected or deleted within the first 6 to 7 weeks, often raising a borrower's score enough to bring them out of the sub-prime category and reducing their interest rate. The broker then gives the client a broker credit for the cost of the credit repair if the client's returns back for the mortgage. Therefore the clients are getting the credit repair service free and the loan officers are closing more loans.

There are many other benefits to the mortgage brokers such as the re-score program that mortgage companies often use cost them money. Our 24/7 online tracking system allows the clients and loan officers' access to their credit scores an effective way for them to recover money invested in pulling credit reports and to revive potential borrowers that would otherwise have been lost because of their credit issues.

Our guarantee, if they are not satisfied after six months or three dispute cycles, they may receive a refund less a $125.00 set up fee and $25.00 per negative item removed or corrected during the process.

This is a win-win for all the parties involved. If you are a mortgage broker and interested in additional information on United Credit Education Services please feel free to contact me

TIM J.THRIFT
TJT Financial Services
Debt & Credit Solutions That Work!
www.tjtfinancialservices.com
PH: 1-248-830-4832
Fax/Voice: 1-206-350-2925

The REALITY of Realty Seminar

THE REALITY OF REALTY SEMINAR TOUR
EDUCATING THE GENERAL PUBLIC ON WHAT'S REALLY GOING ON WITH MICHIGAN REAL ESTATE & FINANCING TODAY IN A FUN, LAID BACK, EDUCATIONAL ATMOSPHERE WHILE GIVING BACK TO LOCAL CHARITY: THE BOY'S & GIRLS CLUBS OF S.E. MI.
This is going to be a monthly Seminar Series starting in Royal Oak held the first Monday of every month.
ROYAL OAK, MI - Michigan, most commonly Detroit and Metro Detroit are the focus for doom and gloom on the topic of Real Estate and Financing in today's market. The press, everyone's nosey neighbor, co-workers, and the guy in the line at the grocery store have all told everyone what they know and have heard about what's going on in Michigan Real Estate and Financing - Why not hear about what's going on from the experts working in the field everyday here in Michigan in a laid back, fun, educational, and non-sales atmosphere while giving back to a local Michigan charity in the Boys & Girls Clubs of Southeastern Michigan. The general public is invited to the first Reality of Realty Seminar Monday, March 3rd at 7pm at the Washington Building above D'Amato's in downtown Royal Oak @ 222 Sherman. It is $20.00 at the door including refreshments and enough education to make the attendees the experts in the field. Attendees will be learning about foreclosures, mortgage interest rates, home sales, credit, refinancing, home values, home owners insurance, title insurance, closings, short sales, getting approved for a mortgage, and everything else wrapped around the Real Estate and Finance transaction. After there will be an open forum, followed by a formal Q & A session, ending with open time for one to one questions and networking.
Included in the Reality of Realty Seminar Series in Royal Oak are:
Keith Stonehouse (Founder & Host) -VP, Franklin Title Agency (248) 564-4022
Richard Kallabat - Realtor & Foreclosure Expert, Keller Williams (248) 208-6999
Ted Edginton - Mortgage Loan Officer, US Bank (248) 866-9460
Tim Thrift - Credit Specialist, TJT Financial Services (248) 830-4832
David Haugk - Insurance Rep, Glenn Maas Agency (248) 524-9525
Dante King - Licensed Appraiser, All Good Appraisals (313) 443-2182

Business Opportunity

TJT Financial Services is seeking Credit Repair Consultants
Get Started – Own Your Own Business
"Let's make a difference together"

Excellent Opportunity for Mortgage Brokers
& Real Estate Professionals.

Live Conference Call Schedule…
Monday Evenings
Opportunity Call: 7:30 pm – 8:00 pm
Training Call 8:15 – 8:45 pm

Thursday Evenings
Opportunity Call 8:30 pm - 9:00 pm & 10:30 pm -11:00 pm
Training Call: 9:15 pm - 9:45 pm & 11:15 pm – 12:00 pm

Conference Call #
212-990-8000
Pin 0070#

Our 24hr Info Line #
212-990-7059

All Calls are Eastern Standard Time

Call TIM THRIFT at 248-830-4832
http://www.tjtfinancialservices.com/
tim@tjtfinancialservices.com

UltraScore™ was developed as an educational tool designed to help you understand and maximize your credit score. By providing a detailed and comprehensive analysis of your credit report, UltraScore™ will enable you to:

· Understand your credit file
· Understand how your credit score was calculated
· Help you effectively manage your finances
· Understand the negative impact of low credit scores
· See how your credit score affects your interest rates on credit cards and mortgages
· Prepare and maintain a monthly budget
· Project new home or refinance interest rates
· And much, much more.

Contact me for a FREE demo on Ultra Score. Visit Ultra Score at www.tjtfinancialservices.com

Understanding Your Credit Report

The total American consumer debt is more than two-trillion dollars. That matches the lowest savings rate in nearly 90 years. If you're one of the many with debt, understanding your credit rating should be a priority. But for some, it's hard to understand. Charge off's, review inquiries, ratings and scores. If these terms leave your head spinning, then now's the time to learn how to read your credit report. The first step is to pull your report.

There are three credit reporting agencies: Transunion, Experian and Equifax. You'll need to pull your report from all three agencies because they'll all show different things. Check the spelling of your name, personal information, social security number. Then, verify every entry to make sure it's correct.
One credit expert says it's not the credit cards that are bad, it's how you manage them.
John Cote, a financial planner in Myrtle Beach said, “I think the marketing of credit cards over the decades has been masterful, what the credit card companies and banks have done. The problem is in many cases where consumers are not trained properly are the big losers."
Cote said the lack of financial education is the problem. Young adults aren't learning how to manage their finances. So teaching them the basics is very important.

Here are a few things Cote said will negatively affect your credit.
-Too many revolving cards such as credit cards and department store cards.
-Late payments. Every late payment knocks points off your score
-Debt to income ratio. You should aim for your debt to equal 36% or less of your income.
-Keep balances less than half of the card limit.

High credit scores will get you lower interest rates and better loans. And by following a few simple steps, in as little as 6 months you can raise your credit score.

HELPFUL LINKS:

http://www.usnews.com/usnews/biztech/tools/modebtratio.htm -DEBT TO INCOME RATIO

http://articles.moneycentral.msn.com/SavingandDebt/ManageDebt/ManageDebtDyn.aspx?cp-documentid=5212192 LIFE AFTER DEBT

http://moneycentral.msn.com/content/Banking/Yourcreditrating/P88401.asp HOW TO READ YOUR CREDIT REPORT

http://www.annualcreditreport.com GOVERNMENT CREDIT REPORT SITE

http://moneycentral.msn.com/content/Banking/Yourcreditrating/P88401.asp HOW TO READ YOUR CREDIT REPORT

http://moneycentral.msn.com/quickref/quickref.asp?Cat=10&SelCat=7&RefType=0&QAMode=1&QID=729&Topic=3&Sub=4 THE THREE CREDIT REPORTING AGENCIES-CONTACT INFORMATION

Eliminate Your Mortgage On The Path To Financial Freedom

Arlyne Lee wants to become debt free, and the Mortgage Eliminator is helping her reach that goal. As a retiree who lives in Makakilo, Hawaii, Arlyne owns a home but has never had a spending plan in her life – until now.
“I needed someone to help me learn how to manage my finances so I can pay off my house,” says Arlyne. “I don’t want to have anything to worry about, and I want to leave the earth debt free so my kids won’t have to worry about paying any of my bills.”
Arlyne has a 30 year mortgage, but she’s hoping to pay it off in just 9 or 10 years. The Mortgage Eliminator collects all of her income and savings into one account. Then Arlyne pays all of her expenses with a credit card during the interest free period. At the end of the month she pays the credit card bill, but the principal balance of her loan has been reduced by leaving money in the Mortgage Eliminator account for as long as possible.
“I’ve learned how to use other people’s money to my advantage, while I save my own money,” says Arlyne. “I feel so much better now that I am paying my debts - those credit cards can really choke you.”
Spending less than you make is the key, since the Mortgage Eliminator builds on how much money you can save. A financial counselor helps Arlyne with her spending plan, paying down her mortgage, and staying on track when she needs help or encouragement. The first principle the financial counselor taught Arlyne was that the more she could save, the more they could put in her Mortgage Eliminator account to pay down her mortgage principle.
Arlyne says she enjoys talking to her coach, who has helped her understand the big picture regarding her finances. Arlyne also says her coach helped her learn how to manage her finances online, since she wasn’t very comfortable with a computer.
“The Mortgage Eliminator program is teaching me how to be more money wise, making me more conscious of my spending habits,” says Arlyne. “It is a great program and I would recommend it to anybody.”
The Mortgage Eliminator can help you pay your home loan off faster, which means you pay less interest, build equity faster, and can access that equity for your personal needs. For more information on how you can pay off your mortgage in one third of the time. Click here for more information on the PayAccel HELOC Mortgage Eliminator.

Interesting Statistics

81 out of 100 people are either
dead or dead broke at age 65.

2% are financially
independent.

17% are still working
Because they have to.

Only 2 out of 100 people, at age 65, are financially Independent.

Source: Social Security Board.

BECOME A FINANCIAL FREEDOM INTERNATIONAL, Inc. CONSULTANT

Financial Freedom International, Inc. a BBB and Dunn and Bradstreet member in good standing is expanding its sales team. We are seeking motivated individuals that have a passion to help consumers eliminate their debt. We show them proven financial solutions that eliminates their mortgage in avg of 6-12 years and eliminate their credit card debts in 1-3 years. Our Payaccel software and financial coaches do the work. Consulatnts market services to clients with our FREE financial fitness evaluation that shows the client how to implement the plan and save thousands of dollars in intrest. VERY lucrative compensation plan. A MUST SEE OPPORTUNITY!! Do yourself a favor and at least look at this opportunity to get started. This is the most powerful program out there today! REFER TO WEBSITE LINKS TO THE RIGHT.

THE PROBLEM

I have set up My Debt Free Solutions blog to discuss and share my crusade to help individuals, families and communities form debt bondage. My name is Tim Thirft, I am a certified licensee of Financial Freedom International, Inc. Our company has serviced over 50,000 satisfied clients since 1987.

According to the Federal Reserve Consumer debt (excluding mortgage debt) reached a record $2.019 trillion in February 2004. That’s approximately $19,000 per household in credit cards and car loans. 42% of Americans pay only the minimum or no payment at all on their credit cards providing $12 billions in late fees and other penalties to their credit card companies in 2003. This level financial bondage has led to a record 1.7 million bankruptcy filings in 2003. In addition to record levels of personal debt and bankruptcies, the nations savings rate has dropped to just 2% of after-tax income and about 43% of American families spend more than they earn each year. This means that many people lack the resources to deal with financial emergencies, much less eventual retirement. Personal debt and financial mismanagement are the reasons that only 2% of Americans are financially independent and comfortably able to retire at age 65.

I believe this to be more than a problem. I believe this to be a national crisis. At Financial Freedom International, Inc we recognize this crisis and intend to be part of the solution.
in later post I will be sharing with you our products and services at FFII. I hope that you will participate with feed back and share with me your story and experiences with debt bondage.