In case you are wondering why we have not posted anything new in about a weeks time, its because I have gotten very busy with new projects, and with the changes we are making to our site.

We are by no means done with our improvements, nor are we close to being finished, but we are working hard to make sure that we are not inconveniencing you, our readers.

What are we doing?

We have recently changed or added the following pages;

• Services
• Portfolio
• Website Design
• Service Definitions
• Add Ons
• Web Hosting
• Blogging Starter Package
• Blogging Booster Package
• Blogging Pro Package
• Elite Blogging Package
• Order Form
• Business Network
• 360|Flex
• PD4Free
• Debt Relief

Some of these pages are still being modified and improved, but some have been finished.  Our goal is to provide your (our reader) and those that visit our site with more information about us and how it is our company can help you, your church or your business.

These pages are still to come in later updates;

• Pay-Per Click Campaigns
• Search Engine Optimization
• Landing Page Development & SEO
• Social Networking Services
• Payment Plan

We have decided that the more we can offer our readers and visitors the better results you will see.  If people chose to use our services, GREAT!  But if they can learn from our site and blog and manage it themselves GREAT!  We want to educate and inspire people to learn new ways to grow their business and blogging efforts.

We understand that the changes can cause some frustration for our readers and any visitors, but please bare with us.  We promise the end result will be worth the wait!!

We will be doing some interesting things with some of our pages, incorporating different designs and looks throughout many of the pages.

Our goal is to design a wordpress site that is user friendly and chalked full of great information.

It would seem that people are looking everywhere as the economy progressively gets worse for help.  We have found one company that has been considered “Americas Most Trusted Company for Debt Relief“.

Here are two quick previews from their blog that you should use to learn more about this company.  Use the links to read the rest of the articles!

[...Rise Above Debt Relief www.riseabovedebtrelief.com is a nation wide company that helps individuals understand the options that are available to them during this financial hardship.  Not only do we help families and individuals get on a budget, we help educate on important financial steps that are necessary and that are not necessary.  We also help them get in the habit of saving money, and forming other good financial habits that are relative to their current situation.  We love to serve and help the American people when sometimes it doesn’t feel like there is any where to turn...]

[...Rise Above Debt Relief’s program is easy and effective.  Here is a step by step overview of what you can expect when you sign up with us.  Review the 6 step overvieew...]

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With personal debt at an all-time high, a number of individuals have found that they have overextended themselves and have become immersed in debt. As their debt grows, they can’t help but get more and more behind and their credit score pays the price. If you are one of the many who have had problems with your credit in the past (or still have problems with it), you may be considering credit repair as a way to get back on track.

Before you sign up for a credit repair plan, you should make sure that you understand exactly what is involved in repairing your credit score while there are a lot of credit repair agencies that are legitimate, there are also some that seek to prey on those who need help and perform services that are both immoral and illegal.

What Credit Repair Is

Obviously, the goal of credit repair is to improve your credit score and get you back on track financially after past credit problems. A variety of credit repair services exist, providing everything from credit counseling and debt negotiation to debt consolidation loans and budgeting advice.

When used properly, credit repair services can not only help you to get caught up with your bills and on the path to a better credit score but they can help you to avoid bankruptcy and set you up to avoid credit problems in the future.

Credit repair takes time, however, and should never be viewed as a quick fix for your credit.

If an offer claims that they can instantly grant you new credit, then it’s likely not only bogus but can also get you into legal trouble if you accept it.

Common Types of Credit Repair

As mentioned above, credit repair can take several different forms. Credit counseling services provide assistance with the budgeting and repayment of your debts, and offer advice on simple ways to improve your credit without additional loans. They also often provide debt negotiation, which is the working out of a settlement with your creditors so that you only have to repay a portion of your original debt within a certain timeframe.

Debt consolidation loans are also used for the purposes of credit repair, allowing you to take out a loan in order to pay off outstanding debts and leaving you with a single monthly loan payment instead of several different payments.

Budgeting assistance services are also available to help you get control of your spending and personal finances.

Avoiding Credit Repair Scams

Unfortunately, there will always be unsavory individuals who seek to make money off of those who are in need of assistance.

Any credit repair service that promises instant results or that offers to simply create a new credit report for you should be avoided what they’re really creating is a business tax identification number, and any individual who uses one is in danger of being charged with fraud and possibly other charges.

Credit repair takes time; if an offer sounds too good to be true, then it likely is.

Repairing Your Own Credit

Of course, by paying off old debts and establishing and maintaining new lines of credit you can begin the process of credit repair yourself.

Request a copy of your credit report and check it for errors, and then focus on clearing the debts that appear as negative reports.

It may take years for all of the negative reports to expire, but by preventing new ones while increasing your positive reports your credit score will slowly rise on its own.

Want more articles on debt, debt relief or debt freedom click on the Debt Relief tab in the navbar, or use this link Debt Relief.

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By: John Mussi

Are you a self-confessed shopaholic who buys anything and everything that you get your shopping addicted hands on? Such thoughtless and impulsive buying will most likely result in the accumulation of a bunch of junk that will simply collect dust. Can you even remember that silk scarf you just had to have and since it was a virtual steal at 50% off you just had to buy it? Where is it now and how many times have you actually worn it? Is it still fashionable?

If you’re like most people, chances are you’ll have to rummage through bins and bins of collected shopping “litter” which you’ve accumulated through the years, just to be able to see that once precious scarf. You may still be in a state of denial by saying “Fashion goes round and round and that scarf will have its shining moment once again.”

Unfortunately, many people fall into this mode of impulsive buying that they really can’t afford and before they realize it they become saddled with debt. If you fall into this category, you’ll soon need to learn a thing or two about debt settlement which can assist you in extracting yourself out of that self-imposed state of financial trauma and begin to start rebuilding your life bit by bit. And the time to start is now! Of course, you have to be honest with yourself, admit that you’ve got a serious debt problem and then humble yourself enough to seek the help you need to pull yourself out of this devastating ordeal.

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First things first, a lot of people may actually think that they only have a few choices when it comes to solving their debt problems. The two most common options for those who are burdened with enormous amounts of debt are either to consider declaring bankruptcy or debt consolidation. Unfortunately, if you take the easy way out by declaring bankruptcy, it will leave an embarrassing and indelible mark on your credit report for up to 7 years, which will result in higher interest rates, less credit and if you try do qualify for a mortgage (some lenders do give loans immediately after bankruptcy) you will most likely not be able to get a loan to cover 100% of the financing you need. Normally, an 80% first mortgage and if you can get a second mortgage, it will be at much higher interest rate and probably only 10% of the loan value for a total of 90% of the loan to value and you’ll have to come up with 10% down.

Clearly, everything will come with a higher price for a period of time but you’ll have to weigh that with a straight debt consolidation solution in which you pay off your debt. However, in many cases you can negotiate with the collection agency and it’s realistic to get 25% – 50% of the debt forgiven, if you can show that you’ll continue to make monthly payments until the remainder is paid off.

Many of the debt settlement / debt consolidation companies were actually established by the credit card companies themselves. Why, you ask… because it only makes sense for the credit card companies to help you pay off your debt because they can either forgive some of the debt or reduce the interest rates, lower the monthly minimum payment requirements or some combination and get paid a portion of the money owed or receive nothing if you declare bankruptcy. What would you do if you were in their shoes? The answer is obvious. This is why a lot of people who have been saddled with debt are now being offered debt settlement. Of course, not all debt consolidation service companies are owned by credit card companies but many are.

Some groups offer debt settlement programs through arbitration. The “selling point” when it comes to these kinds of solutions is that debt settlement will actually help end your debt problems, without having to go through declaring bankruptcy, without having to pay overcharged debt consolidation program fees as well as helping you avoid getting caught in the debt consolidation trap that a lot of people have fallen victim to.

In many cases, what the organizations do that offer debt settlement services is negotiate your debt down with the collection agencies that have been given your case. I would encourage you to contact a number of companies to ensure you feel comfortable and that you are working with a quality company that doesn’t over-charge you for their services.

On the other hand,if you would really like to save money, which only makes sense since you are already heavily in debt… then negotiate with the collection agency yourself. It’s not difficult, rather than getting upset when you get called night after night simply tell the collection agency rep that you would like to pay off your debt but you can only do it if you can get it reduced and then ask them that you would like to get the debt you owe reduced by 50% – 60%, even 75% and ask them to see what they can do. Ask for a lot up front because as in any negotiation there’s always a give and take. Believe me, they will go to work for you and your offer will be seriously considered because they only get paid when they collect and it’s better to get their percentage on a smaller amount than “diddly squat” on the full amount.

Of course, you’ll have to decide what route you want to take… bankruptcy versus debt settlement but shop around and realize that you do have options. The internet is full of companies offering their bankruptcy or debt settlement services, but be careful and don’t let them push you around and never work with anyone you don’t feel 100 percent comfortable with.

For the past few weeks we have been giving our site a heavy face lift.  For those that cant tell, we run our entire site on a wordpress platform, there are several advantages to that, my favorite is the ease of use.  From daily use to monthly or yearly updates it makes change easy.  If we could run our whole lives on wordpress I am convinced we would all get over our resistance toward change, no matter what it was.
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