Invitation to connect on LinkedIn

LinkedIn Credit, I'd like to add you to my professional network on LinkedIn. - Monty Learn more: https://www.linkedin.com/e/isd/386853051/1b-nO2Ud/ What is LinkedIn and why should you join? © 2008, LinkedIn Corporation Thursday, October 02, 2008 RE: JV opportunity Dollarmakers Website Monty Loree - President HomeGrown Advertising Inc (1994) http://www.canadian-money-advisor.ca PH: 306-949-5423 Date: Fri, 3 Oct 2008 17:33:14 -0500 From: andrew@windfallmarkets.com To: davidleeco@gmail.com; montyloree@hotmail.com Subject: JV opportunity Dollarmakers Website 297-9815 David Lee Andrejowich 306-949-5423 Monty Loree windfalljv.com -- WINDFALL MARKETS ... The Incredible Power of Joint Venture Leverage Andrew PeTrick, MBA Managing Director, Windfall Markets Joint Ventures & Strategic Alliances andrew@windfallmarkets.com Professional Profile work: 204-480-6606 See who we know in common Want a signature like this? Upgrade to Hotmail Plus and share more photos with bigger attachments. Click here to find out how Click here to find out how Thursday, November 08, 2007 A friend wants to Share Favorites with you StumbleUpon Discover new web sites Capital One Secured Credit Cards in Canada Canadian Secured Credit Cards Secured Credit Cards for Canada Canadian Capital One Secured Credit Card Monty wants to Share his Favorites with you He likes 17 pages, 13 videos He has 1 fan Come see why The Wall Street Journal says: "Next time you want to wander the Web, forget about Googling it. Stumble it." – Monty   montyloree@hotmail.com Try StumbleUpon > About StumbleUpon StumbleUpon allows you to channel surf the internet and discover great websites and web content you might never have found. Whether it's a website, video, picture, game, blog, or wiki, StumbleUpon helps you find interesting stuff recommended by like-minded people with just a single click of the Stumble! button. Learn More If you do not wish to receive future e-mail invitations to join StumbleUpon, please click here. © StumbleUpon 2001-2007 Friday, August 04, 2006 FW: Your August TrueCredit newsletter Just thought I would post TransUnions Canada new credit report newsletter. When you apply for credit, factors like your income... expenses... debt...and credit history are used to determine your creditworthiness. Thanks to the Equal Credit Opportunity Act, there are certain things that creditors are not allowed to ask you when you apply. They cannot ask you to reveal your sex, race, marital status, natural origin or religion. And creditors cannot deny you credit because you receive public assistance income, or because of your age (unless you're under 18). If you feel like you've been discriminated against, notify the creditor right away. They may see their error and reverse the decision. For more information on your rights and actions you can take, visit www.ftc.gov or call 1-877-FTC-HELP. How to stamp out bad credit card offers If you're like me, your mailbox is usually stuffed with things like bills... postcards selling some turbo-charged Internetservice...maybe a few magazines...and, of course, credit card offers. It's the credit card offers that get you. They're pretty tempting, aren't they? Whether it's being pre-approved for $10,000, or the promise of earning free airline tickets, there's always something that lures us in. While you might get a few good offers every now and then, most should be sent right to the shredder. The trick is, knowing which ones should stay�and which ones should go. Be choosy Keep one thing in mind: if you have a couple of credit cards you're happy with, try not to apply for more cards. Each time you apply, it shows up on your credit report. And that can make you look credit hungry. It may also lower your credit score. When you do decide you need a new credit card�or you are applying for your first one�ask yourself: what kind of card do you want? You can get one with reward points. Or miles. Or even a card that helps you save. With so many cards out there, you don't have to jump at the first offer you get in the mail. Shop around. Learn the lingo You've probably noticed that credit card offers come with what looks like a lot of legal mumbo jumbo. But these are the terms and conditions of the credit card, and they explain what fees and finance charges you could pay when you use the card. Every card has different terms and conditions. To shop for the best deal, you need to know what the main terms mean. Here are some to look out for: Annual Percentage Rate (APR)�This is the yearly percentage rate charged when a balance is held on a credit card. This rate is applied each month that you carry a balance (the lower APR, the better). Annual Fee�Yearly fee associated with having the credit card. Unless you are getting rewards or miles, or something extra, you may want to look for a card without an annual fee. Grace Period�A period of time during which you are allowed to pay your credit card bill without being charged a finance and/or late fee. This period is usually 10-28 days. Introductory Rate (or Intro APR)�A temporary, lower annual percentage rate that is raised later. Make sure you know what the rate will go up to after the intro period is over. Other fees�Also check for the amount of the late payment and cash advance fees. Why wait? Activate Once you receive your new card in the mail, activate it right away. Then put it in your wallet or in a safe place. Otherwise, you may set the card down, forget about it, and it could end up in the wrong hands. As you use your card, keep an eye on your bill and the charges listed. Also, you should get your 3-Bureau Credit Report on a regular basis to make sure no one else is using your account. That way, you stay in charge of your credit card. Dear Audrey, Is it true that if you use a credit card and pay it off each month, it never gets on your credit history? And therefore won't help you build credit? Thanks. Lois W. Crown Point, Ind. Dear Lois, While many people believe you have to have a balance in order to build their credit, this notion is completely untrue. Paying off a credit card balance each month is one of the best ways to build your credit because it shows creditors you can handle your credit responsibly. Plus, it will look great on your credit report when you're being reviewed for a larger loan, like a mortgage. By checking your credit report often, you can make sure your timely payments are reflected in your balances. You can also look for errors that could potentially damage your credit score, such as accounts that do not belong to you. At TrueCredit.com, it's easy to not only check your credit report, but also get helpful tips for keeping your credit in good standing. Until next month, Audrey O'Dell Newsletter Editor Read more here Your credit horoscope Leo & Virgo: If you want something good to happen, picture it taking place. Visualizing your financial success will get things rolling. ABOUT THIS NEWSLETTER: Volume 6 - Issue 8 Every so often, TrueCredit enjoys sharing special offers with you, such as discounts on TrueCredit products as well as offers from our partners. TrueCredit is dedicated to educating and empowering our members through tools and resources such as this free monthly newsletter. You are receiving this email newsletter because you expressed interest in our special offers when you placed your order or signed up for our newsletter online. If you received this email from a friend, you can subscribe to our free monthly newsletter and special offers at www.truecredit.com/newsletter. ABOUT TRUECREDIT TrueCredit's family of financial learning tools has empowered millions of Americans to better manage their borrowing. With a commitment to providing exceptional information, support and security, TrueCredit has established itself as a leader in the field of corporate and consumer financial products. To learn more about TrueCredit, please visit www.truecredit.com. PLEASE NOTE TrueCredit features TransUnion data for all complimentary credit scores as well as fraud-watch emails. TrueCredit reserves the right to publish or use any responses, questions or comments emailed to this address for promotional or other purposes without any further permission, notice or payment of any kind to the sender. All such submissions will be the property of TrueCredit. The information contained in this newsletter is for educational purposes only. You should consult your own attorney or seek specific advice from a professional regarding your particular situation. To change your email address, please login to your account, and click on the "your account" tab in the upper right corner. � 2006 TrueCredit. All rights reserved. 100 Cross Street, Suite 202 San Luis Obispo, CA 93401 Monday, July 17, 2006 If I file for Bankruptcy will my student loans get discharged? If I file for Bankruptcy will my student loans get discharged? Tim Bankruptcy Home Dallas, tx So are student loans able to be discharged? In short, probably not. Student loan debts are non-dischargeable in Chapter 7 Bankruptcy cases unless paying the debt would cause the debtor "undue hardship." This basic rule also applies to Chapter 13 Bankruptcy cases. Discharge of student loans received popularity in the 1970's. Many individuals would file for bankruptcy shortly after completing their expensive education. The goal was to discharge these student loans before they began earning money The wording of the exception of a "hardship discharge" and what is considered a student loan has recently been broadened so that most student loans made by nonprofit groups or the government are now considered student loans. This only applies to the actual student and not a co-signor. So a parent signing for one of their children could not have this debt discharged. In addition, this exception does not include debts to an educational institution for tuition. If the loan is non-dischargeable then the petition on the loan is also not going to be discharged. So we turn to "undue hardship." Most published court opinions agree that "undue hardship" means more than garden variety hardships that come with the costs of future payments. Several circuit courts of appeals have developed a three-prong test. In summation, the debtor cannot maintain a minimal standard of living and his dependents are left with the debt, some additional circumstances in regard to the standard of living would extend over the life of the repayment of the loan, and the debtor has tried to the best of their ability to pay off the loan according to the plan. The ideal debtor who will successfully discharge student loans are the low-income debtors. The debtor has the burden of proving their hardships. Any reason that makes this loan impossible for the debtor should be made known to your attorney. For example, unemployable debtors, underprivileged debtors, a total lack of available jobs suited for the debtor's skills, certain disabilities, etc. If any of these situations exist, your attorney will strive to prove any extenuating circumstances to the court to get these student loans discharged.Read more about bankruptcy at www.bankruptcyhome.com /> Original content from bankruptcyhome.com Tuesday, July 11, 2006 Credit Repair - What is Credit Repair? WHAT IS CREDIT REPAIR? Even though we have a few websites that deal with credit repair and dealing with creditors etc, I still get the question, "What is Credit Repair?". Many times people aren't sure what the concept of credit repair is all about. CREDIT REPAIR IS RELEVANT TO EVERY ONE WITH CREDIT Fundamentally, credit repair is about making sure that all of your credit items reported to Equifax and TransUnion (credit bureaus) are accurate, complete and verifiable. If you've got credit cards, lines of credit, or any other type of personal credit, chances are that these items are being reported to the credit bureau, or will be if you don't make your payments. THE LAW - ACCURATE, COMPLETE AND VERIFIABLE. The law states that all items reported on your credit reports must be accurate, complete and verifiable. All items that are being reported about your must be true and correct. This is reasonable. This is such a serious topic that there are laws dedicated to the regulation of credit bureaus such as Equifax and TransUnion. MOST CREDIT REPORTS AREN'T ACCURATE While most credit items are reported routinely and correctly to the credit bureaus, some definitely aren't. This is true for people who have good credit and bad credit. I have met very few people who have a credit report that is 100% accurate, complete and verifiable. The reality is that credit bureaus are managers of information. They receive millions of credit items from creditors, collection agencies, government departments, etc to manage each month. Problems usually occur when credit items are handled by many employees. I've seen people with good credit, denied more credit because their name was spelled wrong, or because their address was spelled incorrectly etc. I've also seen collection items, judgements, repossessions, bankruptcies that are recorded incorrectly. THIS HAPPENS ALOT! The first step in credit repair is knowing about credit report problems. In order to know about problems with your credit report you need to get copies of your credit reports from BOTH Equifax and TransUnion The second is to learn about what is being reported and which creditors are reporting on your credit reports. Equifax and TransUnion are similar, however they do report a little differently. Once you have studied your credit reports thoroughly you'll probably pick up on some errors that have occured. HOW DO I START DOING CREDIT REPAIR? If you've determined that some items on your credit reports are NOT accurate, complete or verifiable, it's time to start disputing these items. Keep in mind, you've got the law on your side. The credit bureaus are regulated and must answer your disputes. For a guide to DIY Credit Repair for Canadians, please visit www.express-credit-repair.com. This easy to read 40 page ebook will explain the laws and how you can dispute credit items with credit bureaus, creditors, collection agencies and more. Check it out today! READ MORE Thursday, May 25, 2006 RE: Facts Versus Fiction post Comments like the following really bother me: The right to collect the debt ..belongs to the creditor as does there right to hire an agency to do so. Agencies do not have to have your authorization to report a third party collection. As members of a reporting agency, we have the right to do so. I suggest you become more familiar with the Collection Agencies Act which explicitly states what we can and cannot do. You've just gotta love it when a brain washed collection agent gets on a forum such as this and starts talking out of his hat. I ask everyone who has now talked to consumer protection about a collection agency pipe up and answer this kind of post. This makes me furious. There is NO LAW that says anybody has to deal with a collection agency. Thus, the only way you have to deal with a collection agency is by contractual agreement. The same goes for a collection agent giving your personal information to a credit bureau such as Equifax Canada or TransUnion Canada. There are laws saying that collection agencies need your permission to give out your information to any third party. SEE PIPEDA - Federal Privacy Commission Companies have to get your permission to collect and report your personal information. If they don't have that permission in writing, you can, and should, complain about them. This collection agent doesn't really understand the law very well. There is no law saying that a collection agent must give your personal information to Equifax or TransUnion. Thus it must be by written / contractual consent. About Me Name: Monty Loree Location: Regina, Saskatchewan, Canada View my complete profile Previous Posts Invitation to connect on LinkedIn RE: JV opportunity Dollarmakers Website A friend wants to Share Favorites with you FW: Your August TrueCredit newsletter If I file for Bankruptcy will my student loans get... Credit Repair - What is Credit Repair? 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