Free3BureauCreditReport.com is a website that offers a “free 3-in-1 credit report” and “all 3 free credit scores” which contain consumer credit reporting information from the three nationwide consumer credit reporting agencies, Experian, TransUnion, and Equifax. The company’s website can be found at: http://www.free3bureaucreditreport.com/. 

The services mentioned above are available as part of the website’s “Credit Adapter” program. In addition to unlimited online access to your 3-in-1 credit report and your 3 credit scores, the “Credit Adapter” also provides “automatic alerts when changes to your credit are detected” at all three credit bureaus.  

After clicking the “get it now” button for more information, the site brings you to another webpage where you are advised that in addition to “Credit Adapter”  ”you’ll also receive 24 Protect automatically. Save 10% on gift cards purchased through 24Protect.”  Furthermore, if you do not call to cancel your membership within the initial seven day trial period, you will automatically be charged $29.95 per month to continue your “Credit Adapter” service.  

Additionally, by agreeing to sign up for the “Credit Adapter” you are also agreeing to pay $1.00 per month for the “24 Protect” service.

This website has a lot of disclosures and small print. While this may be a worthwhile offer if the services they offer meet your needs, I would definitely recommend checking other websites that offer similar services to see if there is a better deal out there for you.  Also be very careful to read all of the aforementioned disclosures and small print before you agree to provide your credit card or any other personal information to anyone.  

Suze Orman Gets Call From Desperate College Graduate

Graduate gets sticker shock from loan payments!

Unemployed College Graduates and students are now turning to the internet to make money. Why? A recent call into the “Suze Orman Show” may give you a clue. Just like millions tune into Oprah for solutions to their personal problems, millions tune into Suze for their money problems. Suze’s “energizer bunny” optimism, warm personality and infectious smile are hard to turn off once you tune in. The show is such a big hit with college students, it’s no surprise her latest work The Money Book for the Young, Broke & Fabulous has been on the Amazon bestseller for some time.  Needless to say when Suze entertains calls from viewers, many are college students. Being a financial genius, solutions usually roll off her tongue without hesitation, however one caller left Suze a little perplexed.

Nicole was a female College Graduate who had taken out over 90k in student loans, 130k total with interest, now after graduation her monthly payments were $1300 a month, ouch. “What did you go to College to Study?” Suze asked. “To be a Fashion Designer,” she said meekly. Suze gulped, then asked her if she’d thought about all this in hindsight. “When you’re young you have all these aspirations,” she answered. Since students loans can’t be written off in bankruptcy, the only advice Suze could give her was to find a job that would cover the monthly payments and hopefully leave her enough money to live on.

If this college graduate was a victim of her “aspirations,” her university is just as guilty by catering to those “aspirations.” Apparently a counselor didn’t sit her down and explain the realities of the job market in that field. If the 90k in loans had been spent on a Medical or Law degree, this young lady would have a chance, but how plentiful are high-paying jobs in Fashion Design? While nothing is impossible, unless she was exceptionally talented (not to mention living in New York), chances are she won’t find any opportunities in that field. She’d probably end up doing something totally different; and since most entry-level jobs start between 25-30k, the loan would take up almost half of her monthly income. Needless to say, she’ll probably be living with her parents a long, long time.

So What’s A Debt-Ridden College Graduate Left To Do?

If you can’t get a break make one!

Savvy, ambitious Graduates and students are bypassing conventional opportunities and turning to the internet to make money. Many have realized in today’s world where degrees are a “dime a dozen,” you won’t get a break unless you make one for yourself. In fact, neither Bill Gates, the owner of Microsoft or Media Mogul, Ted Turner finished college. Ted Turner was actually kicked out! These were people who bucked traditional 9 to 5 jobs and made their own opportunity.

Learning how to make money online is no easy task, however for people who have smarts, patience and persistence lucrative opportunities abound. College graduates and students are ideal when it comes to the type of people who succeed online. Students are open to learning new disciplines and applying concepts. The fact that someone has even completed college proves they have patience and persistent.

Knowledge of the following basics are needed when it comes raking it in on the internet: Research, Web Design, Marketing, Search Engine Optimization (SEO), Pay Per Clicks (PPC), Idea and Business Development. Who can teach you all this stuff? Well there are plenty of so called “internet gurus” who will tell you they can, then shove a $100 e-book down your throat. Their manipulative sales copy usually hook people in with the promise of a “web business in a bottle” type of message. Newbies seeking knowledge, often spend hundreds on guru products at the beginning of their web venture, because there was little alternative.

A University That Teaches You How To Make Money Online?

Many young people have found success through Wealthy Affiliate University

Luckily those days are over thanks to Kyle and Carson, Owners of “Wealthy Affiliate University.”  The two 26 year-old millionaires have been making a full-time living online for the last 6 years. In 2005 they launched WA University in order to help teach others how to build thriving online businesses. Unlike other Internet Gurus, who sell you a useless e-book and run; Kyle and Carson provide continuous 1-on-1 support through their membership site, which has become the largest on Internet.

The low monthly fee is peanuts for the value offered to members. The mega site offers an 8-Week Action Plan, One-on-One Support, Coaching, Video Training, Website Development Training, Internet Marketing Training Guides, Tutorials, and the famous Wealthy Affiliate forum. The best feature of the site is the 8- week action plan. A step-by-step plan that literally walks you through the basic to the most advance techniques used to make money.

While other copycat sites are just interested in collecting monthly fees, Kyle and Carson have structured their site into an interactive boot camp of sorts, where action is not only encouraged, it’s required. These guys know from experience that only through “taking action” will members find success. Many people find that the famous Affiliate Forum alone is worth the cost of membership. The forum gives beginners the opportunity to communicate with intermediate members who have become millionaires.  There are endless success stories associated with WA University, however the testimonies from the younger members really stand out. One member, Cody stated “Before I came across Wealthy Affiliate University, I was a bit lost in life; just out of college, working a job that I didn’t hate, but also didn’t particularly like. I needed something else. More excitement, more money, more of something I could call my own.”

Ironically it was tools he learned at WA University that helped him apply the knowledge he learned in School. “I’ve always been a business kind of guy and WA woke me up to a whole new world of marketing. It allowed me to use the marketing knowledge I learned in business school to market any kind of product I wanted…” He concluded, “I’m now making $500 a month profit after just a few months. This number is growing every month…It’s definitely a way to make some extra money when I need it. Who knows how far it could go!” Another young member named Brandy, who has been with WA for over 2 years, consistently makes over $500 a day from her online business.

And anyone making $500 a day certainly won’t have a problem paying their student loan.
LearningWealth101.com

Best-selling Suze Orman book

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Step 1 - Seeing How Your Past Holds The Key To Your Financial Future

“Messages about money are passed down from generation to generation, worn and chipped like family dishes.” Suze Orman

It is important to spend time understanding your family’s stories about money - and the ones you created yourself, as you were growing up. Financial freedom begins with freeing ourselves from the burden of the past.

Step 2 - Facing Your Fears And Creating New Truths

“The trouble with fears is that when we keep them inside and refuse to deal with them, they grow, like weeds left alone in a garden. Take the fear of not having enough to cover the bills this month and let it wander around by itself, unchecked. Where will it go? It will become the fear of not having enough in general.” Suze Orman

New financial realities can only grow once you have faced your fears and replaced them with new, more empowering beliefs.

Step 3 - Being Honest With Yourself

“Most of us believe, or deceive ourselves into believing, that we need about $1,000 to $1,500 a month less than we actually do need to go on living the exact same way we live right now.” Suze Orman

It is very important to go back through your records and establish exactly how much you have really spent. Guessing won’t get you free!

Step 4 - Being Responsible To Those You Love

“It’s not OK when you get sick, or when you die, to leave financial chaos behind you for everyone else to clean up.” Suze Orman

Make sure you have a will, including a testamentary trust, adequate life insurance, income protection insurance, and health insurance. If you are not sure what any of these are, or how to get them, consult a financial planner.

Step 5 - Being Respectful Of Yourself And Your Money

“If you’re respectful of your money, and do what needs to be done with it, you will become like a magnet, attracting more and more money to yourself.” Suze Orman

The most powerful and respectful way to make money is to invest wisely. Plan for your future, take advantage of the superannuation plans that are available to you, face your debt, and stand guard over your money, ensuring that every penny you spend is a penny that must be spent.

Step 6 - Trusting Yourself More Than You Trust Others

“When it comes to every financial decision you will make for the rest of your life, you will choose correctly if you go with the answer that reflects your instinctual response.” Suze Orman

Your financial freedom is your responsibility, and it can only be planned and brought about by you. There is no “expert” or “insider” who knows better than you what you should do.

Step 7 - Being Open To Receive All That You Are Meant To Have

“Money is a living entity, and responds to energy, including yours, and to how you feel about yourself.” Suze Orman

Thoughts of poverty are the chains which bind - to release them, give money to a charity you feel stongly about.

Step 8 - Understanding The Ebb And Flow Of The Money Cycle

“How often have you heard, for example, of someone who is devastated by being fired, only to land a much better job and end up happier?”

To be at peace with the ebb and flow of money, remember two things. Always take the long view of your financial future, and believe that everything that happens is positive, if you are willing to let it be.

Step 9 - Recognising True Wealth

“True financial freedom lies in defining ourselves by who and what we are, not by what we do or do not have.”

You cannot put a price tag on your life. No matter what financial ups and downs happen in your life, you will be truly wealthy when you understand that none of that stuff matters. Not really.

“Money itself cannot make you financially free. Only you can make yourself financially free, and you can do it - and so much more. You have that power.”
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