Local real estate experts discuss ‘Reality of Realty’
By Christa BuchananC & G Staff Writer
By Christa BuchananC & G Staff Writer
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Thursday, March 27, 2008
FREE Credit Education Seminar
GET THE CREDIT YOU DESERVE!
FREE Credit Education Seminar
Understanding Your Credit
Open to the Public
Seating is limited – R.S.V.P. Suggested.
At:
FREE Credit Education Seminar
Understanding Your Credit
Open to the Public
Seating is limited – R.S.V.P. Suggested.
At:
Location: 31901 Woodward Ave.
Royal Oak, MI 48073
Begins MAY 6th 2008 at 6:30 pm
The first Tuesday of every month!
Presented By: Tim Thrift
United Credit Education Services &
TJT Financial Services
248-830-4832E-mail: tim@tjtfinancialservices.com
Wednesday, March 26, 2008
Debt Reduction through Debt Settlement Program
American Debt Enders and TJT Financial Services
Information you should know .
Information you should know .
This program works! It is a unique program which utilizes debt settlement and legal representation to substantially reduce your debt. Additionally, letters are sent to creditors notifying them of your legal representation. Creditors will be notified to direct phone calls to the law firm.What is the cost? The entire program will cost approximately 55% of what you owe, legal fees included, payed in affordable monthly insallments.Each program is customized for your individual situation, insuring the best chances of success.
Money Back Guarantee:
Full Refund if you withdraw from the programwithin 30 days after making your first payment.
More Advantages:
• Debt will be eliminated in 1 to 3 years.
• You will save thousands of dollars.
• Your monthly payments will drop dramatically.
• You make one consolidated payment per month to the law firm.
• Excellent legal representation ensures that all federal laws governing your creditors have been and are being followed.
• After a few weeks in this program most of your creditor phone calls will stop.
Types of Unsecured debts which may be put into this program are:
Bank Credit Card Debts, Store Card Credit Card Debts, Credit Union Credit Card Debt, Non Government Issued Student Loans, Medical Bills (if in collection).
Most debt settlement programs will only accept you if you have $10,000 or more in unsecured credit card debt. The law firm will accept as little as $5,000.00. If you are in collections, cannot afford your current payments, are either not a candidate or are unwilling to file a bankruptcy, you may be the ideal candidate for this program. Call us to learn more.
Contact me today for a FREE Debt and Credit consultation at 248-830-4832 or e-mail: tim@tjtfinancialservices.com or timthrift@americandebtenders.com
Tuesday, March 25, 2008
As Featured in The Oakland Press, CandG News, After5 Detroit
AS FEATURED IN: The Oakland Press, C&G Newspapers, After5 Detroit, and The Royal Oak Mirror ...
YOU ARE INVITED To ROYAL OAK for a Laid Back, Fun, Upbeat & Educational (non-sales) Seminar on Michigan Real Estate & Financing in Today's Michigan market focusing on what's really happening in Michigan right now dealing with the Real Estate Market & Mortgages from the Experts. There will be a panel of 6 -8 (Realtor, Loan Officer, Title Insurance, Home Owners Insurance, Home Appraiser, Credit Repair, Foreclosure Expert, & Home Inspector) educating you on what's REALLY going on today in Michigan vs. hearing the info from your neighbor, co-worker, or the guy in line at the grocery store.
There will be great food provided by D'Amato's along with great hand outs and enough info to make YOU the Expert! Location: Washington Building 2nd floor above D'Amato's at 222 Sherman in Downtown Royal Oak, Monday, April 7th from 7-9pm $20.00 at the door: (50% of the proceeds go to the Boys & Girls Clubs of Southeastern Michigan)
For more information contact me ASAP.
Sponsored by: Tim J Thrift TJT United Credit Education Services
For more info - Contact Tim at tim@tjtfinancialservices.com or google: THE REALITY OF REALTY TOUR
The VR-Tech Marketing Group Business Opportunity
"An opportunity to have a career with no limits, no barriers and endless success."
VR-Tech Marketing Group offers an exciting business opportunity that allows you to earn income with the convenience of a flexible schedule and very little investment. Be your own boss. Make your own schedule. As an independent sales agent, you choose the time you want to work. Stay at home. Sell online. As a company specializing in financial education, we offer a wide range of services with easy online customer enrollments. Reach limitless success. There is no cap to the amount of money you can earn. Sound too good to be true? Here’s more.
Our lucrative compensation plan allows you to earn money four different ways:
Commissions from direct sales of any of our financial education services, including credit restoration, credit education, auto loans, wills and trusts or our prepaid Visa card program CAB Bonuses for helping new recruits make their first sale
Financial overrides and Leadership Bonuses from the sales of your downline Sales Agents
Regular contests and promotions to give you a chance to earn even more
VR-Tech provides the training, support, processing, accounting and all of the tools needed to be successful
For additional information click here
Friday, March 21, 2008
HOW TO REBUILD BAD CREDIT
United Credit Education Services and TJT Financial Services
Providing credit and debt solutions that work!
Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of United Credit Education Services.
Credit restoration allows you to dispute the negative information reflecting on your credit reports, which will result in an increase in your credit score. Once your credit report is accurate, you can begin to build your credit and prove to lenders that you are credit worthy. To rebuild your credit you need to gain some consumer credit knowledge. If you have had poor credit in the past getting new credit or lenders to extend you credit may prove to be a challenge.
Below are tips on how to get new credit and how to build and maintain good credit habits
1. Getting New Credit. Get a new credit card that is right for you. Be warned that creditors will prey on people with past credit troubles extending credit cards with high interest rates and high fees that ultimately make credit unaffordable. Department store cards and secured cards are usually the easiest to get for people trying to build their credit. Keep new credit applications to a minimum the more you apply for, the more the impact will be on your credit score.
2. Building New Credit Habits. Learn how to spend wisely; otherwise you will end up with the same damaging credit that caused you to rebuild your credit. Educate yourself on credit and put those good habits to use.
3. Rebuilding Your Credit. Keep your credit cards current with no late payments and pay them off each month. Keep your balances low in comparisons with your credit limit. Do not take on too many credit cards that you cannot manage your balances and payments.
Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com
Below are tips on how to get new credit and how to build and maintain good credit habits
1. Getting New Credit. Get a new credit card that is right for you. Be warned that creditors will prey on people with past credit troubles extending credit cards with high interest rates and high fees that ultimately make credit unaffordable. Department store cards and secured cards are usually the easiest to get for people trying to build their credit. Keep new credit applications to a minimum the more you apply for, the more the impact will be on your credit score.
2. Building New Credit Habits. Learn how to spend wisely; otherwise you will end up with the same damaging credit that caused you to rebuild your credit. Educate yourself on credit and put those good habits to use.
3. Rebuilding Your Credit. Keep your credit cards current with no late payments and pay them off each month. Keep your balances low in comparisons with your credit limit. Do not take on too many credit cards that you cannot manage your balances and payments.
Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com
FIND CREDIT EVEN WHEN YOU CAN’T
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United Credit Education Services and TJT Financial Services
Providing credit and debt solutions that work!
Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of
United Credit Education Services.
When you have had past credit troubles, it can be hard to find credit. Even when you do find credit, the credit terms are horrible with high interest rates and costly fees. It’s not hard to find credit though, once you know where to look.
Here are some helpful hints to get you started.
If you have not received any credit card offers in the mail, consider applying online, at your local bank or retail store. There are thousands of credit lenders available to you. Check http://www.bankrate.com/ for interest rate and fee comparisons for the credit card that is right for you.
Two lenders that are known for extending credit to those with poor or little credit are First Premier Bank and HSBC Bank of Nevada. Lastly, if you can’t find an unsecured credit card, try a secured credit card. A secured credit card is similar to a debit card in that you deposit funds into your account and then make purchases against those funds. The amount that you deposit will determine your credit limit. You will receive monthly bills; however along with paying by check you can also deduct the money that you deposited for payment. In your search for a secured card, look for one that will report as unsecured on your credit report. This will improve your credit score.
When you do make the choice to apply for a unsecured or secured credit card, carefully read the terms of the card, especially if you have less than perfect credit. Credit is available to you, Just be sure to do you research to get the best terms for your life.
Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com
Providing credit and debt solutions that work!
Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of
United Credit Education Services.
When you have had past credit troubles, it can be hard to find credit. Even when you do find credit, the credit terms are horrible with high interest rates and costly fees. It’s not hard to find credit though, once you know where to look.
Here are some helpful hints to get you started.
If you have not received any credit card offers in the mail, consider applying online, at your local bank or retail store. There are thousands of credit lenders available to you. Check http://www.bankrate.com/ for interest rate and fee comparisons for the credit card that is right for you.
Two lenders that are known for extending credit to those with poor or little credit are First Premier Bank and HSBC Bank of Nevada. Lastly, if you can’t find an unsecured credit card, try a secured credit card. A secured credit card is similar to a debit card in that you deposit funds into your account and then make purchases against those funds. The amount that you deposit will determine your credit limit. You will receive monthly bills; however along with paying by check you can also deduct the money that you deposited for payment. In your search for a secured card, look for one that will report as unsecured on your credit report. This will improve your credit score.
When you do make the choice to apply for a unsecured or secured credit card, carefully read the terms of the card, especially if you have less than perfect credit. Credit is available to you, Just be sure to do you research to get the best terms for your life.
Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com
CONSUMER CREDIT CARDS: HOW MANY IS TOO MANY?
United Credit Education Services and TJT Financial Services
Providing credit and debt solutions that work!
Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of United Credit Education Services.
Most Americans have between 5 and 10 credit cards. Some even carry up to 50. But how many is too many? Experts say that it’s not the number of credit cards you have, but instead how much you spend and how much you can afford to pay off each month.
Be aware that the more credit cards you have, the bigger the risk you pose to yourself to create debt and hurt your credit. Also, each time you open a store credit card 20 points are taken off of your credit score, according to consumer education organizations. Typically this is because store credit cards are available to anyone – even those consumers who otherwise could not get credit.
Some Tips To Keep In Mind
-Keep your debt ratio low. Your credit card balance should be ideally kept to 30% of your limit.
-Make your payments on time. Keep your credit cards current. New late payments can decrease your credit score by up to 100 points.
-Do not close too many credit cards at once. When you close several credit cards at once, your debt to available credit ratio will fall.
Credit cards can be a good thing. Credit cards are a safer way to buy goods instead of carrying cash. They offer you the protection against theft because the money you charge is not taken out before you get to dispute the charge. There is no magic number or limit to the number of credit cards you have, just be wise when applying for credit and using the credit you have.
Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com
Providing credit and debt solutions that work!
Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of United Credit Education Services.
Most Americans have between 5 and 10 credit cards. Some even carry up to 50. But how many is too many? Experts say that it’s not the number of credit cards you have, but instead how much you spend and how much you can afford to pay off each month.
Be aware that the more credit cards you have, the bigger the risk you pose to yourself to create debt and hurt your credit. Also, each time you open a store credit card 20 points are taken off of your credit score, according to consumer education organizations. Typically this is because store credit cards are available to anyone – even those consumers who otherwise could not get credit.
Some Tips To Keep In Mind
-Keep your debt ratio low. Your credit card balance should be ideally kept to 30% of your limit.
-Make your payments on time. Keep your credit cards current. New late payments can decrease your credit score by up to 100 points.
-Do not close too many credit cards at once. When you close several credit cards at once, your debt to available credit ratio will fall.
Credit cards can be a good thing. Credit cards are a safer way to buy goods instead of carrying cash. They offer you the protection against theft because the money you charge is not taken out before you get to dispute the charge. There is no magic number or limit to the number of credit cards you have, just be wise when applying for credit and using the credit you have.
Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com
Wednesday, March 5, 2008
United Credit Education Services at South Oakland Business Expo.
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.
Look for us at the Royal Oak Chamber Expo Hosting 5 Chambers Wednesday March 12th!
The 2008 South Oakland Business Expo (SOBE), formerly the Royal Oak Business Expo, will once again bring together the brightest business leaders from the most dynamic companies throughout South Oakland County.
Look for us at the Royal Oak Chamber Expo Hosting 5 Chambers Wednesday March 12th!
The 2008 South Oakland Business Expo (SOBE), formerly the Royal Oak Business Expo, will once again bring together the brightest business leaders from the most dynamic companies throughout South Oakland County.
The event will be held on Wednesday, March 12 from 1-6p at the Royal Oak Farmer’s Market located at 316 E. Eleven Mile Rd. The Expo will be open to the public. Admission is $5. Coupons will be available at all Chamber offices, all Chamber sponsored events, Chamber websites, and various email correspondence from the Chambers.
The 2008 SOBE is presented by Citizens Bank and brought to you by five of the area Chambers - Berkley, Clawson, Ferndale, Madison Heights/Hazel Park, and Royal Oak. Attendees will be able to visit over 100 area businesses showcasing products and services that will appeal to both business customers and residents alike. Door prizes, courtesy of all six Chambers will be drawn throughout the Expo. There will also be a special Business After Hours at a local restaurant following the event.
For more information on exhibiting or attending please call 248.547.4000.
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, United Credit Education Services (248) 830-4832
David Haugk – Insurance Rep, Glenn Maas Agency (248) 524-9525
Dante King – Licensed Appraiser, All Good Appraisals (313) 443-2182
Richard Kallabat – Realtor & Foreclosure Expert, Keller Williams (248) 208-6999
Ted Edginton – Mortgage Loan Officer, US Bank (248) 866-9460
Tim Thrift – Credit Specialist, United Credit Education Services (248) 830-4832
David Haugk – Insurance Rep, Glenn Maas Agency (248) 524-9525
Dante King – Licensed Appraiser, All Good Appraisals (313) 443-2182
The Event was a Huge Success!
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.
The Reality of Realty Event surpassed anything that we the panel ever imagined or expected! There was a great turnout of great people who at the end - gave great feedback (that they had learned more than they had ever imagined or expected) while having a great time with great food!
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.
The Reality of Realty Event surpassed anything that we the panel ever imagined or expected! There was a great turnout of great people who at the end - gave great feedback (that they had learned more than they had ever imagined or expected) while having a great time with great food!
There were some amazing connections happening and deals being done at the end of the forum! It was great to see... After we all went down to Goodnight Gracie’s for some cocktails where some great networking happened!
We raised over $600.00 for the Boys & Girls Clubs of Southeastern Michigan - An all around success!I hope that everyone can make it out to our next event April 7th at the Washington Building above D'Amato's just north of the intersection of Washington and 4th streets at 7pm!- Thanks again from the panel and look for us at the Royal Oak Chamber Expo Hosting 5 Chambers Wednesday March 12th!
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, United Credit Education Services (248) 830-4832
David Haugk – Insurance Rep, Glenn Maas Agency (248) 524-9525
Dante King – Licensed Appraiser, All Good Appraisals (313) 443-2182
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