secrets (11)

How to discharge student loans in bankruptcy?

When you’re trying to discharge a student loan in bankruptcy, you need to know which student loans are dischargeable.  There’s a difference between a federal student loan, federal student loan serviced by a private student loan, and a private student loan?

A federal student loan is issued by the federal government and serviced by the federal government.  They have a lower interest rate and the federal government usually can forgive the balance of the loan if you are not able to make the payments. 

Now the federal student loans that are serviced by private lenders have been recalled by the federal government because the private servicer were not being flexible with the borrower with their payment plans.  Which also cause the borrower to default as well as taint the borrower credit.

The third type of student loan is from private lenders, such as Sallie Mae, Citibank, Wells Fargo, bank of America, and Navient, which is a subsidiary of Sallie Mae.  When these private lenders issue student loans they do not have the federal government protection, so those loans are treated like a regular personal loan.  Which also means that these lenders make up their own rules when issuing loan and collecting on them.  They can increase the interest rates, if you miss a payment, they’ll send you collections, file the insurance claim get your student loan paid off and then force you to may them too.

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Http://GoodCreditUnion.com 1-800-652-7157 In this video, I explain the new departments the that Good Credit Union have opened up to it's clients.

Good Credit Union has added a Tax elimination dept. with a CPA and IRS Registered agents. As many of us understand that a CPA is the blood line of the business. Understanding having access to a CPA is one of the best resources a growing company needs to be profitable. 

Our CPA works right along side of our IRS Registered Tax Agents to make sure your company financial documents and taxes are looking good to financial institutions.

GCU Group also offers employment verification for people that work off of 1099 and need regular pay stubs created. This is great for someone that trying to purchase a vehicle or get into an apartment.

Check out our other services
http://BusinessCreditAmerica.com 1-800-652-7157

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http://GoodCreditUnion.com 1-800-652-7157 In this video Houston with th GCU Group, Inc. explain why many people should fix their credit instead of getting a CPN or SCN.

1st you no longer have to find a co-signer to help you get an apartment, car, or student loan. I understand this is embarrassing for many adults with bad credit.

2nd If you have good credit you could add a child or family on you credit cards as authorize users and they could inherit your credit. This is one of the best gifts you can give someone if you're not rich or wealthy. Your 18 year old could inherit your credit and you will not have to co-sign for them an apartment, car loan, or student loan.

3rd You could buy real estate in which you could not do with a CPN or SCN. Many people want to get into real estate investing but they must understand that having good credit will make it easier to purchase that property.

4th When you fix your credit you don't have to show as much paperwork to get funding. With a CPN or SCN creditors want to see the id or drivers license to go along with the file. Creditors are asking for social security cards for that SCN or CPN, they are also asking for employment verification. This is alot of personal information they are requiring now for an SCN or CPN. 

5TH It's much more easier to get funding when you have good credit to do you investments, succh as buying a car from the auction instead of having to finance it from a car dealer.

This is Houston with Good Credit Union. You can call me at !-800-652-7157 or email me Houston@goodcreditunion.com or Alex @goodcreditunion.com

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"Feel like you're running on a Hamster's

wheel and getting nowhere?"



Join me for my  Power Executive Call Free....
Empowered to Manifest Your Best Year Ever!


 
This is my Christmas and New Year's Gift To You...

Tuesday, December 27 at 2:00 PM PST


  • Experience a powerful Visualization Exercise to help you with manifestation of your Ideal Lifestyle!



  • Essential Keys to Manifesting Your Best Year Yet!



  • Empowering Insights for a Success Mindset


  • 4 Mindset shifts essential to your Breakthrough in 2012



And More!


Click here to learn more and secure your VIP access.






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What do you want? No I mean what do you really, really want? If you knew you could not fail and money was not an issue what would you really want?

What does your ideal lifestyle look like?

These are some very good questions that actually as I’m passionately empowering women many who are in a consultation or coaching with me are stunned by and they have to think just a bit. We should all have the answers to these questions.

I did a Tele-class on Top 5 reasons you are not where you want to be – YET! One of the Top 5 included “You Don’t really want what you think you want.”

Do you want to know who you are? Don’t ask. Act! Action will delineate and define you.

Thomas Jefferson

Everyone wants to run their own business and be their own boss…. right?
Everyone wants a vacation home in the mountains… right?
Everyone wants 2.4 kids and the white picket fence…. right?

Wrong.

When it comes to dreams, one size most definitely does NOT fit all. Our dreams and goals are as individual as we are, and adopting someone else’s goals as our own can feel like wearing someone else’s shoes: It looks okay to everyone else, but to us, it feels awful and gives us blisters.

There are thousands, if not millions, of people out there striving for the wrong goals. Wrong not because there’s anything inherently bad about them, but wrong because the goals they’re aiming for are wrong for THEM. So as I persevere in my endeavor to empower women I must remain authentic and help you discover your authentic self for your realized empowering success.

There’s the law student that is very gifted in music and enjoys her classes in school leading up to the profession of a lawyer who would never give an extra thought to setting that aside for pursuing her career in music because both of her parents are Lawyers.

There’s the successful saleswoman who would really love to chuck it all and teach English, but she’s making too much money and only a crazy person would throw away a six-figure paycheck.

There are many frustrated individuals out there “believe it or not ” Frustration knows no geographic, socioeconomic, or race or religious boundaries.

The only way to know if the goals you’re aiming for are the right goals is to figure out if they are your heart’s desire. Sometimes it takes some detective work to peel back the layers of societal and family expectations to get at what YOU really want.

There are clues all around you: If you fall asleep dreaming about something, wake up thinking about something, and find yourself perking up whenever you meet someone doing what you’d like to do, you’re on the right track. Meanwhile, if you get a sinking sensation when you pull into the garage of house with the white picket fence, or find yourself calling in sick to that six-figure job “everyone” would kill to have, then you may be in the wrong place… for you.

So what do you do if you find you’ve been chasing after the wrong dream? If you find that you’re not on track to your destiny. You readjust. You discover what your vision is, your purpose in life. You reignite your passion. You connect with someone who can be an accountability partner, who is not biased and can offer expertise in the area you are seeking to move forward in. Even if they don’t have the specific expertise in that area but have the life skills you need to help you discover your authentic self, get unstuck, get focused, make BIG changes and get results that will put you miles ahead of where you’ve been for the last 1 to 5, 5 to 10 years or more!

You find ways to move your current life closer to the one you really long for. Maybe that means getting up an hour early to work on your novel. Maybe it means spending your weekends teaching art to inner city kids. Maybe it researching organizations that may need your expertise and would like you to share with their members. Take a small step and see how it feels. Then take another, and another, until you know deep in your heart you’re on the right track. If you are, the momentum will carry you forward.

You’ll be closer to where you want to be. The Authentic you that is.

Are you ready to say yes to the healthier, wealthier, empowered, focused, joyful, and Authentic you?

I invite you to request your free access to 4 more reasons you’re not where you want to be – YET! Request access to my Top 5 reasons you’re not where you want to be YET empowering Training Audio. Go there now!

This is also part of my preview Tele-series “Get it Done. Make it Happen!” A preview of my phenomenal 90 Days of Empowerment and Focus Coaching Program. If you’re tired of the overwhelm, stress, lack of productivity, playing small and more learn more and secure 1 of 10 spaces for gold and 1 of 15 for Silver.http://bit.ly/90daysregister

 

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Productivity Secrets: Beware of Time Thieves

Are you a victim of Time thieves?

 

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Maybe that would be easier to answer if you knew what time thieves were. And quite possibly you already know what they are but need to be reminded of how much they are stealing from your Destiny, from your relationships, okay from your life.

I’m sharing another post on Productivity secrets because it is one area that most women have a challenge with whether in business or their personal life.

You’ve probably given in to most of the time thieves I’m going to mention below.

Phone
You can actually use the phone as a timesaver if you know how.

TV and Radio
How many hours have we given to watching TV or listening to the radio. Now get this, some of it is done out of habit. What that means is if you actually made a decision (remember everything begins with a decision) a decision to reduce the amount of time you watch Television and replace it with a productive activity you could achieve that goal and realize increased revenue in the process.

The same thing applies to the radio. Be intentional about your listening and not habitual.

Waiting in Line
I truly believe that this is one way our patience is tested.

Sometimes going to crowded places can’t be avoided, however, there are peak hours that you can expect longer lines. Pick a schedule where you least expect many people to show up. For example, buy your groceries on weekdays. Don’t shop during weekends and paydays. If you can afford the higher price tags of items that can be bought through the phone, internet, or third-party services, then go ahead and buy them. If you treat time as gold, then the extra time you’ll be saving as a result of this act is worth much more than the extra money you’ll be spending. In case you really have no choice but to wait in line, then don’t waste your time complaining. Do something productive like reading a book, listening to educational tapes, or writing your future plans on your little notebook.

Social Media
Yes I said it. Social Media. Some individuals spend all day on Social Media sites and get absolutely nowhere. Social media is a power resource if you know what you’re doing. Automate your activities. Up grade your skills. Connect with a Social Media Coach such as myself to learn how to monetize your efforts or outsource it. Our World Wide Visibility movement is set for this very thing. to support you in your efforts to gain World Wide Visibility.

Email overwhelm

The ability to send emails has contributed to productivity in the office whether you have an office at home or in the workplace. It’s become such a part of our daily activities that we’ve forgotten about the snail mail which can end up being more effective due to the fact that some people don’t even open most of their emails.

However, there are certain downsides to using email as a means of communication. Do you check your emails many times in the day? If so you’re hampering your productivity. It can end up being a very time-consuming activity.

Traffic Traffic and more Traffic
This is another hair-pulling moment, especially when you’re running late for an important appointment. Avoid the rush hour by all means. Anticipate when a traffic jam is usually occurring during the day so you can adjust your commuting time. If your destination is not too far away, a walking session might
be a great idea to evade traffic, save on gas or money, and attain a healthy lifestyle.

I’ve shared with you a few time thieves and you may be asking “Okay Robin that’s all good but what do I do about it?” I’m glad you asked.

I’m hosting a Tele-series “Get it Done – Make it Happen: Get Focused, Make Big Changes and Get Results!” I’ll be sharing some yummy insights on this very topic and more! If you’re serious about keeping your appointment with Destiny, manifesting your most desired results and ideal lifestyle while having time for what matters most, you don’t want to miss this call.

Go to http://bit.ly/90daysofempowermentinfo to secure your VIP ticket to my Tele-class. There are only 200 lines so secure your ticket and call in early.

Here’s to your empowering success!

“The Empowerment Diva”

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Want more traffic?

Hey Fellow BBWO's (Black Business Women Online)! :-)

Here’s another piece of the internet marketing puzzle!

You’re gonna love this…

There are a ton of different ways to get traffic to your blog but today I wanna give you an extra traffic tip just for being a fellow BBWO (Black Business Women Online).

Today’s puzzle piece is........

 

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Interact with fellow marketers and “like” The Connect4Change Marketer on Facebook.

 

Get Marketing Tips via Facebook with help from ..........marketer.jpg?width=315

 

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When you are new to WordPress or don’t know php coding well, having a messed up blog is the most annoying thing that can happen when you are trying to get maximum exposure to your blog or business.

One thing that I know since working with WordPress Blogs for some time now it that it is super easy to mess up your WordPress theme on accident, or even by......

 

                                          Continue Reading..........

 

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Interact with fellow marketers and “like” The Connect4Change Marketer on Facebook.

 

Get Marketing Tips via Facebook with help from ..........

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Hey Fellow BBWO's (Black Business Women Online! :-)icon_smile.%20gif

Here’s a little hidden piece of the internet puzzle!

Social sites like Facebook and Twitter has made it easy for you to quickly share news articles, blog posts, etc. around but wouldn’t it be nice if you could also add some of your own commentary to the page before sharing it with the world?

Well, there’s a new and interesting web app called markup.io that can help you here. It instantly turns any web page into a virtual whiteboard where you can add text, draw shapes, arrows or even do some freehand drawings. Here’s a quick demo:

While you are on a site, hit the markup.io button on your browser bookmarks toolbar and it will float a set of drawing tools one that page. You can scribble over the page now and when you hit publish, all your drawings and annotations are saved to a unique URL that you can now pass along in your social circle.

If you make a mistake, you can use the usual keyboard shortcuts -- ctrl+z will undo your previous action while the backspace key will remove the element from the page.

Markup.io is available in the form of a bookmarklet so there’s no need to download or install anything and it’s compatible with all browsers except for IE 6 (which you shouldn’t be using anyway).

Here are some related items that may be of interest to you:
3 Web-based Tools for Creating Screencast Videos
Adding Video Easily With Jing
Bounce - Share and Collaborate on Screen Captures

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1. Take 100% Responsibility for Your Life – In a society where people blame everything from their parents to the government for failure, those who don’t buy into this mentality or succumb to the “victim” thinking succeed. To blame something or somebody outside yourself is saying they have control of your life and not you. Someone else’s opinion of you doesn’t have to become your reality.


2. Live Your Life On Purpose - What separates motivational thinkers from the unsuccessful is that they believe they’re doing what they were put here to do. The difference between this and just living, is that the latter is just getting through the week with the least problems. But when you live your life on purpose, your main concern is doing the job right. For the entrepreneur this means finding a cause you believe in and building your business around it.


3. Be Willing to Pay the Price - Be willing to pay the price for your dreams. Wanting a big house, a luxury car, and a million dollars in the bank is all very nice, and everyone wants these things – but are you willing to pay the price to get them? This is one of the major differences between the successful and unsuccessful.


4.Stay Focused – Every day we’re bombarded with hundreds of tasks, phone calls, messages, and everyone competing for our time. Focusing requires giving up something in the present because you are investing your time in something that will pay off big-time down the road. Jack Canfield and Mark Hanson were turned by 30 publishers when they submitted the first “Chicken Soup for the Soul” book. Instead of giving up, they stayed focused on their goal and did four or five interviews per day for radio, TV, and newspapers, for five days a week for a whole year. Eventually, a small publisher decided to take a chance, and of course now it’s a best-seller that spawned an entire series that have sold more than 10 million copies.


5.Become An Expert in Your Field - One striking factor all successful people have in common is how seriously they take their profession. They strive to be the best at what they do, and do almost anything to improve. If someone followed you around all day with a video camera at your business, would it be a tape you’d be proud of or embarrassed about? Make the decision today to work at being the best in your field. How? By finding out what the “best” in your field are doing, and do what they do.


6.Write Out a Plan for Achieving Your Goals - Write out an action plan/map for how you’re going to achieve your goals. Trying to reach your goals without a plan is like trying to drive from South Carolina to Chicago without a map. A goal that isn’t written down is merely a wish or fantasy.


7.Never Give Up - Never, never, never give up. When you’re fully committed to achieving your goal, giving up is not an option. You must be willing do whatever it takes to make it happen. The power of perseverance is an awesome force. As someone once said, “inch by inch it’s a cinch”. Think of the lowly inchworm – if it pondered the length of the trip from start to finish before it started, it probably would never move. To a worm’s point-of-view, the garden path must look like a trip to Mars. Never give up! Keep on going like the Energizer bunny, and pretty soon you’re there.


8. Don’t Delay - Nobody knows how much time they have left to accomplish their dreams, and we must remember that we don’t have forever. The clock is ticking, and sooner or later your number comes up and you’re gone. Successful achievers know this too, but they don’t view it as a “negative”. Achievers use it to “spur them on”. They go after what they want as energetically and as passionately as possible, for as long as they have.


I had a friend who used to say, “Today is a check – cash it! Yesterday is an I.O.U. – forget it! Tomorrow is a promissory note, don’t bank on it!” I think that’s a pretty good summation of life, so go out there and cash in on that “today” check.

Cheers,


Charlotte Howard - The Hair Marketing Gal

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untitledWith the economy being in a state of turmoil and with so many people losing their jobs, people are looking for other means to make money. There are so many opportunities that we receive to take a look at on a daily basis, it can sometimes be overwhelming. One thing that I would recommend that you look at is your "passion". What is it that you enjoy doing, and would do even if you did not get paid for it? Many people just jump into opportunity to make fast money. They want or need the money right now, today! That is not the best way to go, especially if you truly want to make money.Over the years, I have made some mistakes about joining opportunities that were not really for me. I just wanted to make money. My thinking has changed a great deal because now I know that it's not all about the opportunity, but about my passion. You too can find your passion by writing down what it is you enjoy and then looking for opportunities that fit your criteria.I have found that I cannot sit around waiting for someone to "save" me. The government in the USA is in debt billions of dollars. Even though President Obama is giving breaks to a select few, it does not take one out of their current debt situation. If you want to survive and make it in this economy, you must take it upon yourself and make it happen. Not trying to dampen your day, but give you insight on our current state and how you can help yourself.I just recently noticed that gas prices are starting to increase. Of course, it always happens when summer hits. No one really has a good reason for this increase. Last year, we were told that gas prices increased due to the drilling of more well holes. So, I guess this only occurs during the summer months(lol).If you are serious about making some money, start with getting a grasp on steps needed for this to happen. I wanted to learn more about making money on-line, so I picked up an E-Book that keeps me on track daily. It's called "The Black Folks Guide To Making Big Money On The Internet". No, you do not have to be black to get the benefits of what this E-Book offers. The title was created based on the mission of the Black Business Builders Club. Which is to uplift and support black businesses.This E-Book is packed with information on how to make money on the Internet. I have my own personal copy of this E-Book and must say it's awesome. It's packed with 300 pages of content on how to start, market and grow your existing businesses. I mainly use it as a daily reference to keep me on track with my marketing efforts for my businesses. This E-Book is for you if your making money or not on the internet. Start, grow or market your business today!To learn more, check out the audio postcardhttp://www.blackbusinessaffiliate.com/members/nbbta/postcard/GCVUBZ2QEN.htmlTo get the E-Book at a discounted rate, use code BBBBFG.Get E-Book Here - http://budurl.com/makemoneyguideHave a GREAT week!
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