Let’s Eat Summer
Pompano For Dinner
Fish and Chips
800+credit score get it and keep it #6
The Recap of get a 800+ credit score Get it and keep it.
I feel that online and plastic everything has separated us from reality, life has become plastic, we are losing the feel, the reality.
There is just a certain understanding that comes from a physical hands on relationship with anything. A connection that comes from using all 5 senses and the spiritual facilitation that our hands on hard work adds.
Obtaining financial independence and security is hard work especially if we have developed bad habits, the further we have traveled down the wrong road the harder the work is going to be.
But if ever we are to achieve the piece of mind the independence and self governance we need to be free to experience a lasting Happiness. We will have to do the work.
Please don’t be afraid one step at a time will get us there, and we can take one more step together.
On the path to this, I want you to reinstate the paper bills that come in the mail, the complete statement of every account you have, you need them, a new and complete statement current each month.
Like it or not these are your financial promises and the detailed information contained in them is important.
So get a copy of every bill you owe, if it is a personal debt then make a hand Written statement of it.
Once they are all together separate them in order of due date, 1’st thru 15’th then 15’th thru 30’th.
Now get a blank piece of paper of your choice, I use plain copy paper, you use what works for you.
Now create a monthly payment ledger, list every bill in order of due date, each entry will include who to, how much, and date due.
Our objective is to get ahead of our bills at least 15 days. Paying the bills due the 15’th thru 30’th this month, on the 1’st this month. The bills due the 1’st next month pay on the 15’th this month.
This ledger folded in half will make a pocket to keep all the bills the paid ones out of there envelope and the unpaid turned up in there envelope, receipt, check copies and any other pertinent paper records.
We want to be ahead of our bills not behind, we have to stop any additional charges, late fees etc.
As these bills are paid each month, check them off with notation of how they were paid and when. check # electronic payment confirmation # etc.
Create the next months ledger using last months ledger, updated for the new month.
At the end of the month you should have a complete record of the financial activity for the month store it for anytime research at the end of the year for tax time records.
Mine fit nicely in small cardboard boxes with the complete tax records including a printed copy of the 1040 and all schedules. A physical record of the entire years financial activities for records archiving.
Now on another piece of paper start a ledger of the account you are going to use to pay these bills.
Start the ledger with a known Balance.
If you have more than one payment account I suggest you consolidate to one payment account for simplicity, in simplicity is the power we need to succeed.
If you have more than one account savings, trading etc. you will need other ledger’s to track them, you need to track and record everything.
I suggest if you have other accounts, that you create handwritten ledger’s to track them, it makes you powerful when you Know exactly where you stand.
Run the payment account ledger as a deposit and debit record, each entry should have notation of date who to and check or payment confirmation numbers.
For deposits note the date, have a recite and a notation of where it was derived from.
At the end of every debit or deposit session do the math and record a known balance with notation of date.
We are trying to get at least a $1000. dollar buffer in the account so when the balance shows 0 we have $1000. in the account. At the end of the month use last months ledger to create the next month ledger.
On a third piece of paper list all your debts in order of highest Apr.% interest first.
This is going to be a Hit list, we are going to apply any extra money to the first entry on this list until it is gone then the next. One at a time we will eliminate them.
Do not make any new promises until this list is history RIP.
Also this is a list that we can use to keep track of any ongoing negotiation we have with these creditors or collectors record every conversation Name of contact, agreement, date etc.. it is all important make a record.
Do not ignore or hide from these people, communicate with them.
They have no choice but to work with you, if you contact them.
If it is in collections they will settle for less than you owe, if you have a lump sum.
My advice is negotiate with truth it is a powerful tool, be truthful to yourself and them.
Do what you can do when you can do it.
If you must make a new promise to them, Make it open ended, example: At this time, this is what I can do. Then do that, Keep your promise, if something changes on your end then contact them ahead of time they will work with you.
Please do not do anything that promises you to more debt, including middle men. Do this yourself.
Now get all the scratch paper you need and a calculator and start doing the math how much money you have, how much you will have, how much the bills are, what is the total 2+2 = 4, make a plan.
Put it where you can see it look at it every day .
It is a budget, manipulate it make changes as needed, pray with this plan.
The more focus you apply to this plan the more life you will give to it that is a fact. It will become a reality.
Contact who you need to contact to make arrangements so your plan will work, stay flexible and open to change, stay in contact with your creditors, face this head on, hands on and you will succeed.
Credit scores they are so complicated,
Bull shit, it is simple.
Hello- Pay as agreed and your score will be truthful and good. When you keep your promise it is simple as a true story is to tell.
What is a complicated nightmare is to watch as the masses fall willingly into the trap of complication and confusion. Watch as they jump for joy, yahay close my eyes wiggle my nose tap my toes and magically, — WAKE UP the only magic is not magic, PAY AS AGREED. KEEP YOUR PROMISE.
THE MAGICIAN’S BIRTHDAY
DISTRACTION AND DECEPTION
I SEE AND HEAR THE TALKING HEADS, ELIMINATE THE CURRENT CREDIT SCORING SYSTEM AND THE BUSINESS ENTITIES THAT ISSUE THE SCORE. and so they are all Yacking, jabber, jabber, jabber about all the changes. And the nightmare continues, The celebration of government magic.
And since when has government anything simplified or lastinly helped, Wrong. The truth, simply understand that your score will be derived from the same as it is now, plus the use of everything you do privately. And your score will be issued by a government bureaucratic agency worst than the IRS. That keeps record of your every movement, Political affiliation, personal debts, shopping habits, investing habits, bank accounts etc. etc. etc.
You will use your new government issued score with or as your ID not only to apply for a loan or card but to apply to where you can buy your groceries witch doctor or hospital you can use.
No more will you just buy anything you soon will apply to acquire everything you want or need your approval to acquire anything will be decided by your government issued score.
You will use your new score to apply to buy your newest tracking device, I mean your new phone. You will use your new score to apply for a permit to travel to a neighboring state to see your relatives.
your new score will decide where you vote what class of person you are what you can and cannot do. the score oh the score, derived from everything it is now plus your political affiliation the political demographic of where you live what your investment choices are.
Nothing you do or say will be private it will be compiled in to your score this new government agency will know everything about you and assign you a score based on that.
Remember for me the story of the pied piper leading all the city rats to there death.
So now jump up and down celebrating. line up for your next government stimulating, population controlling hand out the government issues the score and another check that is payment that gives them the right to eliminate your freedom.
If you have questions for me, if we can help, please use the comments or contact us, we wish everyone happiness bye bye for now see you back here soon.
watch the video – coming soon
800 credit score #5
Hello I am Brett from
BRETBEL.COM and this is
How to get a 800+ credit score.
Get it and keep it. #5
To get a 800+ score – You must Keep track, know exactly where you are always, every balance every due date and keep every promise.
A great credit score is one thing, To keep it is another.
Getting the score, it is really not about money, what it is about is developing a character that is true to yourself and when you do what is right then you think well of yourself and when you think well of yourself happiness is at hand.
you see – The goal of life is Happiness.
It gives you confidence the strength, energy and power to govern yourself.
To overcome the inevitable adversarial occurrences and recognise opportunities presented in life. You become financially independent. That means that you are in control of the direction of your life.
There is so much in this world that if you simply set yourself up for success, point yourself in the right direction it will happen.
Don’t complicate it, just do what is correct understand your obligations and keep every promise.
One year has gone by, if you have followed and payed every bill on time kept your promise there will be a noticeable difference in your life you now can understand clearly where you are at and how to get where you want to be.
Now! What investment will do for you.
When you are investing you are using your money instead of wasting it.
Develop the habit of keeping your money, become frugal about spending, wasting money is a bad habit.
Every transaction needs to be mentally categorized and justified is it a liability or asset, cost or gain an investment or a waste.
Keep track eliminate the question of where did it go.
Become a money hack figure ways to keep your money instead of spending it.
When you are investing you are putting yourself in a position to learn about what you are doing.
I suggest you dive in head first, the education you get from hands on investing will benefit your life in so many ways I could not begin to list them all, start small just do it.
There are endless resources public library, online and elsewhere just start researching, reading on any financial subject’s that come to mind, it will lead to exciting places soon your creativity will kick in, you will begin to form ideas and questions? seek the answers, play out the scenarios of your ideas. Just do it jump in you will find excitement and reward.
All I ask is do not do anything that is not because of your own informed decision, don’t do it because of anyone else.
Do it from your own informed intuition.
learn to make informed decisions for yourself and how to act on them, and remember: to take a small jump and fall, is a step forward, pay attention, pick yourself up, don’t be afraid it’s how we learn, educate yourself and you will learn to trust yourself.
You will get out of life exactly what you put into it.
There are a few no brainers for investment opportunity, there are places you can put your money while you figure it out. And in figuring it out I can tell you that Long term is truth. Short term investing is not the way to stability or piece of mind.
MIND SET, please don’t get lost or mislead, this is not about making a bunch of money, this is about a path to happiness / piece of mind, financial independence, self governance and freedom.
History has stories to tell and one story is GOLD, PHYSICAL GOLD.
Get a understanding of the current price, look at –
Then go buy some, it is a historical hedge against everything bad. Soon I will do a video on just Gold. Till then there is plenty info out there for free. The only way you can go wrong with gold is to pay way too much for it, that being said it never goes away it will last forever. It is a no brainer get todays price then go shop for some gold, pawn shops, store clearance, coin stores, estate sales, thrift stores, if you have some money see the gold dealers like Kitco Have fun.
Your payment history is important, it matters , So keep paying on time.
Never hide from your creditors stay ahead of it, if there is a problem coming up contact them I promise they will work with you.
Another no brainer is Real estate, make a informed decision, don’t buy garbage find something structurally sound then do it.
There is no better time to take advantage of low interest money than now, just figure how much you can afford for a mortgage payment and get it done, it is a no brainer with interest at 2 to 3 % there is a fortune to be had buy something you can rent out do it now if you can.
IRA’s – 401’s any retirement accounts, I say at this time in history only a HSA investment account has any security at all.
Setting yourself up to trust and rely on the parasitic nature of Government and or Bankers or Brokers, is a recipe for servitude and poverty that is another history lesson.
Investing of your own accord is correct, letting someone else make your decisions is wrong, The only profit worthwhile is self growth.
Do not be afraid to learn about investing, The information you need to educate yourself is plentiful and free, read, read, read and understand for yourself. Interact with the investment world and always make your own decision never relinquish control Be self governing.
leave me a comment or any questions.
The Original question – What will investment do for you?
Answer – It will secure your Future, Apply yourself to it and experience the reward.
see – Best investments
I wish you all the best, Do not be afraid, Jump in.
Smile be happy and I will see you soon.
Watch the video- 800 Credit score get it and keep it #5
What investment has taught me
Now then, these are the investments I have hands on experience with.
Small business, Gold, Real estate, Stocks, Commodity’s, and Tax shelter investment accounts.
I will go into each one in detail as we progress,.
To start- This is what my investments have taught me.
My personal statement is, I am a self governing man. I listen closely to others and learn fundamentals from many sources but, the final decision will always be mine.
That being said, it is me that seeks the knowledge to make informed decision and I have found that everything you need is readily available and mostly free. Anything you desire to know, study or understand is at your hand and attainable.
Every investment you make will require final decisions to be made. I feel that you are the one who should be making those decisions. A decision based on your acquired fundamental knowledge and as time goes on, your hands on experiences.
The best investment is the one you make in yourself.
My advice is start simple, make it real, make it hands on, just like the paper ledgers you should be using to keep track of bills and accounts.
Create folders or binders of your study’s, keep record of your financial study and investment matters.
What has payed off the best for me Is, acting on intuitive intuition of correlations and possible opportunity I have seen because of broad study’s. And then using that as a direction for more focused study for a in depth understanding on that subject.
Your goal is to educate yourself to recognize opportunity.
Every investment that is worth while will take ongoing fundamental research, leading to informed decisions.
I can not move forward without emphasizing. You need to seek the information, you need to make your own informed decisions. And keep track of it all.
Hands on study and practice will lead you to- true understanding.
There are tax shelter type accounts that require nothing more than your funding them. They all provide long term benefits, tax savings and small but accumulative investment return. And the short answer is yes, pick one and start putting your savings into it.
To make it easy in the beginning a 401 or any IRA and then the best of them all a HSA investment account, that will be a sound beginning. We will discuss them in detail in the future. For now, a investment HSA. is hands down, the best of these relatively hands off long term investments.
Use them to create the habit of saving. Stop wasting, become a money hack, look for ways to not spend, save, save, save and learn, learn, learn.
Recognize the difference of assets verses liability’s.
Your understanding and use of this knowledge this will decide if you will have long term wealth or forever indebtedness,
Example- A privately owned 50,000 dollar truck, is a liability and all the costs, excessive- insurance, taxes and the fuel it burns is a liability, a waste, stop doing that.
Now Real estate is a asset, a investment, but you must with all investments make good informed decisions.
My investments in rental real estate, have payed off for me to date, the on going correct decisions are what make it continue to happen.
You need to know what you are doing, study, school yourself. Real estate is a market and the bottom can drop out and that may be the least of your loss. A bad renter can destroy you. A turn in the economy or real estate market can devalue your investment, leaving you with bills to pay. You need to understand these things.
I plan for survival, I stay hedged. So we are back to it and always will return to it. You are the key and must be able to trust in yourself to take action on a informed decision.
Coming soon- what is the difference between a speculation investment and a hedged investment.
Egg foo young
Supper flexible, Nutritious, full of fiber, warm, yummy, fairly easy and quick as a side or main coarse.
Basic ingredients Egg, Bean sprouts, onion, carrot, you can add to your taste, cabbage, then any type or combination of chop meat or sea food. Here I have tiny dry shrimp
Wash dry chop and mix all ingredients
Scoop 1 cup of mixture, gently place in hot oil and fry until desired brownness turning a couple times, drain then serve hot. Douse with gravy if you desire it is good with or without.
800 credit score #4
# 4
Good morning good day ye-hay we are on our way, this is where we are.
WE understand that a debt is a contractual financial promise we have made.
The best credit cards for now are the ones with the highest limit, that we can pay in full every billing cycle.
The best investments we can make #1 – ourselves, # 2 – Real estate, # 3 -Gold, these things I will explain in detail as future posts are published.
We understand that a debt is a contractual financial promise we have made.
We have created a physical record of our financial obligations our financial life in its detailed entirety, in a physical form that we can hold in our hand.
The records are set up as follows.
Page -1 – As a monthly bills ledger arranged as a scheduler and tracker of all of our bills and payments, the payments due 1 – 15 and 15 – 30.
Page – 2 – A ledger tracking and recording of the payment account, deposit, debit and balances with detailed notation for every transaction.
Page 3 – list of debts owed in order of highest interest first.
We are #1 – paying on time every time, trying to get 15 days ahead on the payments due.
# 2 – we are keeping our payment account up to date and trying to achieve a 1000 dollar buffer in the account.
# 3 – we are stopping the money drain by stopping any late fees, check charges, and interest being assessed against us.
# 4 – increasing our credit line by applying for a credit limit increase after receiving a low interest offer. meanwhile reducing our credit debt by paying down the balances of highest interest debt first and not acquiring any new debts.
Today I am going to speak of our understanding and perception of what the totality of your financial promise and your credit character means, in the global economy. This understanding is the # 1 investment you can make, the absolute most important investment in yourself.
Hang on because I am going to remove the Veil that has been placed over this issue, reveling the truth of this matter.
If you are thinking you can escape your obligation of promise this is going to hurt.
(You are only as good as your word.)
Yes you can break your promise, but you can never escape the reality of the promise.
The benefits of keeping your promise is, absolutely necessary on the path to happiness.
The consequences of breaking your promise. It may seem to be overlooked by the people around you, but they will never forget.
Nether do you forget your broken promise.
The financial WORLD will not forget.
In the united states your broken financial promise may, under a certain set of tax and financial laws be forgiven. What this means is that the original creditor has deemed your bill, non – collectible so they can wright it off there taxes.
Meaning that the tax paying people of the united states have to pay your bill because you did not.
So now your debt is 100% profit to anyone who can collect it.
Enter the collection industry, in all there variants, constantly mutating into new parasitic identity’s inventing new hard ball tactics for there collection strategy.
Plenty of the you-tubers and the for profit debt consolidation or reduction thief’s who teach you lies a bought escaping your obligations for there benefit.
Your credit character goes way beyond the desk of some creditor evaluating your score and worthiness for your next debt.
We live in a global economy, I can and do go anywhere in the world and use my credit credentials to conduct financial activity’s. It is all digital information and is traveling around and around the globe at light speed.
When I travel and I step up to the customs officer of whatever country, and present my passport.
They already know who I am, they have all my info and know everything a bought me.
The cameras that have tracked me from the very first step I took have already provided them with my information, they are just reaffirming what they already know.
Tourism and business, people in every corner of the world are tracked in every conceivable way. Every entity you me, them we all have a financial character that is being recorded. Every transaction every promise every payment and non nonpayment is recorded and then statistically manipulated in every way imaginable.
Your detailed financial character is being recorded and compiled into not only a score. Your credit score, but a prediction they know you, your financial habits likes, dislikes, they are predicting your next step and are there ready and waiting for you it is all seen globally.
One day very soon you will be allowed or not allowed restricted or granted movement based on your social and credit character and ability.
If you have nothing to offer you will have no invitation to the party.
Right now the system is based pretty much on your criminal records, passports are restricted or non restricted, although Visas in addition require proof of and are dependent on financial ability.
Mark my words soon very soon they will no longer ask for your financial information for a entry Visa, because they will already have it.
And if you have nothing to offer you will not be welcome.
Does this make sense to you yet?
Keeping your promises paying your bills, will determine your ability of mobility, to conduct business or even get a job to carry on with normal life.
Bottom line, You have got to keep your promises.
You will ether be a person of integrity or not, yes or no, black and white.
So do what we all know is right, do it because it is the right thing to do.
Keep your promises.
If you have traveled down the wrong road been mislead developed bad habits this is going to be a tough pill to swallow but you must choose to do this there is no other way.
So do not be mislead do not try to escape, this is the only true path. Join me, stand tall, confident and powerful and self governing, and free. Be a person of character with a record of keeping your promises.
Go where you want when you want with peace of mind smile big, sleep well.
My dear friends we travel a thousand miles one step at a time, just take that first step keep your promise.
Beef and Broccoli
This is one of bells favorites
Easy, Quick and Healthy I am cooking for two make adjustment as necessary for more servings.
Basic ingredients – Beef- 1 lb.
broccoli, garlic.
black pepper, corn starch, baking soda, sugar.
rice wine, soy sauce, oil, oyster sauce, water.
Slice the beef in to thin strips. cut broccoli into bite size pieces.
mix beef marinade – 1 tbs wine, 2 tbs soy, 1 tbs starch, 1 tsp pepper, dash of soda, 1 tsp oil. mix into beef set aside.
mix the sauce, 1 tbs oyster sauce, 2 tbs soy, 3 tbs water, 2 tbs starch, 1 tsp sugar, pepper to taste.
Chop the garlic as much as you like.
blanch the broccoli to desired tenderness rinse cold water drain set aside.
get the wok smoking hot with 1 tbs oil
Stir fry until browned the beef then add the chopped garlic.
add the sauce, then the broccoli.
stir fry gently mixing, turn off heat.
plate and enjoy while hot.
how to a 800 credit score get it and keep it #3
As I see It
How to a 800 credit score get it and keep it. #3
Lets continue – You should now have a complete set of your Debts in paper statement form. They will contain all the information you need to make informed decisions.
Control your finances hands on.
So get another piece of paper and list all of your debts, in order of highest interest first.
A-B-C- 1-2-3
Now If you are carrying credit card or revolving debt beyond 30 days.
“Stop doing that.”
If you can not pay your credit card in full each billing cycle then stop over using them, you are spending beyond your means.
When you can pay your cards in full every billing cycle. Then look to your long term loans.
Which ever one has the highest APR/ interest rate is top of the hit list.
Start applying every extra dollar to that loan. When it is gone do it to the next and the next and so on.
Paying your credit cards in full every billing cycle will, better your credit and keep your money working for you.
Paying interest is generally a waste of your money.
On another blog at another time we will talk about how to use low interest money to your benefit.
When you are in front of your debts, paying in full, on time every time. You will start getting low interest offers from your creditors.
That is a signal to apply for a credit line increase one card at a time.
The next big factor on the fico score model is your credit usage.
It is a % figure of your available credit vs. how much credit you are using.
The more credit you have but the less you use the better you score.
The newest factoring in the fico model / algorithm is.
It evaluates over all are you acquiring more debt or Less debt.
Your job is to increase your credit line while reducing your indebtedness.
So this is where we are
#1 – pay on time every time.
#2 – Stop over spending and reduce the money drain.
#3 – increase the credit available while reducing the % of debt.
See the