will you learn in this e-book??
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
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.
how to absolutely, positively never pay a late fee
on your credit card again. (see page 25-26.)
you can avoid late fees even if you don’t have Internet
access and forget to mail your check on time.
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
to enjoy vacations, trips and travel without worrying about paying
bills or picking up your paychecks.
how the typical homeowner can save $5 to $10 on postage and service
charges each month.
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.)
how you can help your chances of getting a better loan or mortgage
how you can
automatically save money each month
without doing a thing.
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.
how to improve your credit score.
how to earn free stuff.
the difference between credit and debit and check cards.
how to charge a purchase and never get a finance charge.
how to easily track your recurring monthly bills (like phone, gas and
electric) whether you have a computer or not.
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 ---
money on . . .
- late fees
- service charges
time by not . . .
- going to the post
- going to the bank
- going to the
office, merchant or company to pay the bills
- writing checks
hassles . . .
- with running out
- with getting
bills paid on time
- with bank
worry about . . .
- bills being paid
- having to pay
bills every week or two
. . .
- FICO score
- credit rating
- interest rate on
- mortgage approvals
Increased . . .
don’t need a computer, internet or web access for many of
these tips (although it does help you)
depending upon which steps you use, it is FREE.
Here are some other
things that you may not be aware of---
know that ….
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.
know that …
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
know that …
paying your bills on time can affect your credit rating or loans?
'..... 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
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
know that …
paying your bills on time can affect your home ownership?
above, your FICO score plays a big part in determining
credit worthiness on mortgages, but
"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."
officials called the lack of awareness a new barrier to homeownership
at a time when other obstacles ...... are diminishing."
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."
Gordon, Business News, Naples Daily News, July 27, 1999
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.)
are a few comments about the book!!
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.
setting things up once and then never having to
fiddle with them again.
who does not want to go out and read about all of this stuff - this
e-book is great. He explains it all for
Lori, Smyrna, GA
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
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
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
short, the 5 step plan described in this e-book
eliminate many hours a month sitting down and writing out checks to pay
the same bills month after month after month
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
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
explain, in depth, all the details of the plans that can be used to
accomplish these things
offer other a sundry tips on budgeting and managing your finances
cost you one single penny to do
some of it will not require a computer or Internet access
some final questions to ease your doubts & concerns -
these things safe?
Absolutely!! They are totally safe since
they are backed by a Federal program that has existed for around 25
Where else can you get
safe, which saves you time, money and hassles and doesn't cost you a
(Keep reading and we'll tell you.)
Who can use this
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.
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.
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
So don’t delay and take advantage of
this introductory special. For a limited time, the price will be
$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 8 weeks or less, or, I will
refund the complete purchase price.
How can I be so sure that you will save at
(First we have to assume that you will use the information described in
If you are the typical homeowner, you will probably have at least the
following 14 recurring monthly payments:
- long distance
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.
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.
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
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
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
So, one and one half hours (time savings per
month) x $10 per hour is a
savings of $15.00 per month.
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.
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
To Save Time and Money When Paying Bills
right now!!! You have nothing to lose and much
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
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.
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.
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.)
one today and
begin the avalanche of savings!!