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Read
article on
Benefits of
Paying Bills
On Time
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What will you learn
in this e-book??
-
Learn
how to not only save time and money and create a less stressful
life, but learn some fantastic tips for saving potentially huge
amounts of money.
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Learn how to
automatically (and freely) save tens of
thousands of dollars on your mortgage (and shave years off the
life of it) by following the tips on pages 21-23 of the e-book.
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Learn how to absolutely, positively never
pay a late fee on your credit card again. (see page 25-26.)
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Learn
how you can avoid late fees even if you don’t have
Internet access and forget to mail your check on time.
-
Learn
how bills can be paid automatically and free
without using a computer. Learn the details of using these
options that have been around for over 25 years. Learn all
that you need to know about direct deposit and direct
payment.
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Learn
how to enjoy vacations, trips and travel without worrying
about paying bills or picking up your paychecks.
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Learn
how the typical homeowner can save $5
to $10 on postage and service charges each month.
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Learn
how the typical homeowner can stop writing 10 to12 (or
more) checks each month (which equates to a few hours a month
which can be enjoyed doing other things.)
-
Learn
how you can help your chances of getting a
better loan or mortgage rates.
-
Learn
how you can automatically save money each month without
doing a thing.
-
Learn
how to easily
(and practically automatically) make 13 monthly payments a year on your mortgage
and thus reduce your mortgage by many years, or, learn how to
save an extra mortgage payment every year.
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Learn
how to improve your credit score.
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Learn
how to earn free stuff.
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Learn
the difference between credit and
debit and check cards.
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Learn
how to charge a purchase and never
get a finance charge.
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Learn
how to easily track your recurring monthly bills (like
phone, gas and electric) whether you have a computer or not.
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Learn
all about the different types of
online banking (did you know there was more than one option?)
and the things to be aware of.
As you can see, this e-book contains much more information than
just how to cut down on bill paying. It takes the steps, which
some people take for granted, and uses them in ways to save
money and effort -- which equates to saving time and hassles.
How exactly will this e-book benefit
you ---
-
Save money on . . .
- late
fees
- service
charges
- postage
- checks
- bank
fees
-
Save time by not . . .
- going
to the post office
- going
to the bank
- going
to the office, merchant or company to pay the bills
- writing
checks
-
Less hassles . . .
- with
running out of postage
- with
getting bills paid on time
- with
bank statement reconciliation
-
Less worry about . . .
- bills
being paid on time
- having
to pay bills every week or two
-
Improved . . .
- FICO
score
- credit
rating
- interest
rate on loans
- mortgage
approvals
-
Increased
. . .
- savings
- charitable
donations
-
You don’t
need a computer, internet or web access for many of
these tips (although it does help you)
-
And depending upon which steps you use, it
is FREE.
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Here
are some other things that you may not be aware of---
Did
you know that ….
| with all these
fantastically low interest rate offers that credit card
companies are now offering - that if you make one or
more late payments, your exceedingly low interest rate
could skyrocket to 20% or more?? (read the fine print on
these deals). By using the tips in this e-book, you can
be assured that your minimum monthly payment will always
be made on time and you don’t
ever
have to worry about this problem – no matter where you
are in the world or if your computer is working or not. |
Did
you know that …
| by handling your money
wisely each month, you can make the equivalent of 13
mortgage payments a year. This will allow you to pay off
a
30 year $100,000 mortgage in less than 23 years and save
you $45,000 in interest payments. (assuming 8%
interest). This can all be done automatically without
ever having to do a thing (after setting it up) and it
is absolutely FREE. |
Did
you know that …
consistently paying
your bills on time can affect your credit rating or
loans?
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'..... a little-known three digit number
called your "FICO score" pretty much determines
whether you'll get the house of your dreams or the car of your
fantasies.'
'Many loan products, including some
home-equity loans and auto loans, are based almost entirely on
your FICO score.'
'Payment history. This is the key
determinant of your score: thirty five percent of the number is
based on whether you've paid your bills on time.'
U.S. News & World Report Feb. 5, 2001,
pp. 54-55
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In other words, your credit rating and
actual interest rates that you get on loans are determined, in a
large part, by your bill paying history. |
Did
you know that …
Consistently paying your bills on time can
affect your home ownership?
As mentioned above, your FICO score plays a
big part in determining credit
worthiness on mortgages, but
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"Only two in five Americans understand
that if they chronically fail to pay bills on time they will
have a major problem in getting a home mortgage, according to a
survey ...... by mortgage giant Fannie Mae."
"...company officials called the lack
of awareness a new barrier to homeownership at a time when other
obstacles ...... are diminishing."
"A shadow falling across the otherwise
positive news [about a vibrant mortgage marketplace] is how many
Americans don't fully comprehend the relationship between paying
bills late, having bad credit, and experiencing difficulties in
qualifying for a mortgage ...."
"Survey says only two in five see a
significant link between late bills, getting a mortgage."
Marcy Gordon, Business News, Naples Daily News, July 27, 1999
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Just knowing these few things, can you not
afford to consistently pay your bills on time??? (If you want to
read another few benefits of paying your bills on time, click here.)
Here are a few comments
about the book!!
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"Even though a good part of this information is
available on the net, I love the way he explained the
pros and cons of the various bill paying options and
told exactly how to set things up.
I like setting things up once
and then never having to fiddle with them again.
For someone who does not want to go
out and read about all of this stuff - this e-book is
great. He explains it all for
you."
Lori,
Smyrna, GA
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| "The explanation
for setting up a 'biweekly mortgage payment plan' was
outstanding. This system does not involve any costs and
runs automatically. Once I set it up, my mortgage was
paid automatically every month and at the end of a year
I have saved an additional mortgage payment. (Now all I
have to do is decide if I want to make a mortgage
payment with my savings or go out and splurge on
something)
This system is just as good as the
ones offered by the banks and saves you the $200 or $300
set up fees (plus monthly fees.)"
Liz,
Belmont, NY
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| "I always worried
about making my MasterCard payment on time so I wouldn't
get the late fee, but this e-book explained what I
needed to do so I don't have these concerns.
As long as I follow this method, I
should never have a credit card late fee again. That
eases a big burden for me."
Barb,
Franklin, PA
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In
short, the 5 step plan described in this e-book
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will eliminate many hours a month sitting down and
writing out checks to pay the same bills month after month after
month
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will
eliminate late fees charged because the due date is
about two weeks after the bill is received and then
you don’t pay it right away
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will eliminate the hassles of dealing with debit card
receipts and entering them in your check book (and also the
problems that come with losing your receipts which later cause
problems when trying to balance your check book)
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will
explain, in depth, all the details of the plans that
can be used to accomplish these things
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will offer other a sundry tips on budgeting and managing
your finances
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will not
cost you one single penny to do
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and some of
it will not require a computer or
Internet access
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Now
for some final questions to ease your doubts & concerns -
Are these things safe?
Absolutely!! They are totally safe since they are backed by a Federal
program that has existed for around 25 years.
Where else can you get
something totally safe, which saves you time, money and hassles
and doesn't cost you a thing?
(Keep reading and we'll tell you.)
Who can use this information??
This five step plan can be used by anyone, whether you are a
college student with one cellular phone bill or a homeowner with
10 to 15 or more bills each month.
This five step plan will only take you a
short time to set up and then you are on your way to a less
stressful life.
Is
this some wild scheme set up by someone to take advantage of your
money?
No!!! Part of the system described in this e-book is based upon
a couple of Federal programs called Direct Deposit and Direct
Payment. Anyone using either one of these programs is protected
by the Electronic Funds Transfer Act of 1978, known as Federal
Regulation E.
If
I can get these things free, why should I buy this e-book?
To be perfectly honest with
you, you can
find out about these two programs yourself, but this e-book will
explain more than how they work. It will definitely cover all the
essentials of how the programs work (in addition to how online
banking works), but it will also take these programs and weave
them into steps or tips which will help increase your bank
account (again, without having to do a thing and not even having
to go the bank.)
Our
guarantee ---
Simply
stated, we are so convinced that if
you apply and follow these steps, we guarantee that you will
save time, money and hassles, but if you are not 100% satisfied
with the booklet, or these claims, or the tips explained in it,
we will gladly refund your money.
So don’t
delay and take advantage of this introductory special. For a
limited time, the price will be reduced from $39.95
to the price of two books of first class postage stamps which is 40 x 37
cents or $14.80.
By
following the steps outlined in this
e-book, I guarantee
that this investment will be recouped in 3 months maximum, or, I
will refund the complete purchase price.
How can I
be so sure that you will save at least $14.80?
(First we have to assume that you will use the information
described in this e-book.)
Then,
Reason
#1
If you are the typical homeowner, you will probably have at
least the following 14 recurring monthly payments:
| Mortgage |
| Car loan |
| Auto insurance |
| Life insurance |
| Cable |
| Telephone - cellular |
| Telephone - local |
| Telephone - long
distance |
| Water |
| Gas |
| Electric |
| Newspaper |
| MasterCard® |
| Visa® |
If you
switch over from manually writing checks for each of these bills
to this automatic system, you will save: 14 stamps x $0.37 is
$5.18 per month or a savings of $15.54
in 3 months.
Reason
#2
You have the same recurring 14 bills mentioned above, plus, one
of those bills (like auto insurance) has a monthly service
charge of $2.00 every time you send them a check, plus, you
either pay a small late fee on one of your bills or have two
more recurring monthly bills then mentioned above. This equates
to:
14 stamps x
$0.37 is $5.18 per month + $2.00 (service charge) + $0.70 (late
fee or two extra stamps) is $7.88 per month or a
savings of $15.76 in 2
months.
Reason
#3
You only have, say, three recurring bills each month but you
forget to pay your credit card on time.
So, 3
stamps x $0.37 is $1.11 plus $29 (typical credit card late fee)
or a savings
of $30.11 per month.
Reason
#4
We don't even need to figure actual money saved on stamps, fees
or late charges cause we can look at your time savings.
How much is
your actual time worth? Although this is dependent upon many
personal things, quite a few people would be satisfied
with being paid $10 an hour for what they did at home.
By using
the steps outlined in this e-book, you should easily save
yourself an hour and a half or 2 hours every month of not having
to write checks, get stamps, go the post office, wait in lines,
etc.
So, one and
one half hours (time savings per month) x $10 per hour is a
savings of $15.00 per month.
Reason
#5
Lastly, if you apply any of the money saving tips throughout the
e-book, you will save your self anywhere from $10 per month to
$100's or $1000's in a year.
There you
have 5 simple reasons why I believe you will save the purchase
price of this e-book in 3 months or less.
Begin the
savings of time and money, eliminate all the hassles and
stresses that come with bills, and help improve your credit
rating and FICO by purchasing
How
To Save Time and Money When Paying Bills
right now!!! You have
nothing to lose and much to gain.
Order
here!!
Sincerely
Bruce
Dinger
P.S.
Remember this e-book will not only describe all that
is necessary to sign up and use these plans, but it also offers
numerous tips on saving money (possibly tens of thousands),
budgeting money, and saving on monthly fees, late fees, and/or
interest rates.
P.P.S. As a special
addendum to this 60 page e-book, a special Resource Section
has been included. This section lists web sites where you can
compare credit card offers, interest rates and other miscellaneous
information so you can find that one credit card which is just
right for you.
P.P.P.S.
Remember this e-book will explain how to never ever have a major
credit card late fee again. This means you never have the worry
about missing a payment even if you are on the other side of the
world. So, if this e-book saves you just one late fee on a
credit card (usually $29 or more), this special price of the e-book will have
been covered many times over.
P.P.P.P.S.
Since these savings are cumulative, any reasonable price of this e-book can be
recouped in a short time. Therefore, the low introductory selling price of
this e-book will increase sometime after this introductory period (but will
always be guaranteed.)
Why
wait??? Order
one today and begin the avalanche of savings!!
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