Get Debt Free :: paulalangguthryan.com

Archive for Get Debt Free

February 2013 Inner Transformation

By Paula Langguth Ryan, CM Press · Comments (0)

Sunday, February 3rd, 2013

Today is Super Bowl Sunday, when the competitive nature of Americans comes out even stronger than it does on Election Day! It’s a day we identify very strongly with things outside ourselves as “the competition.” What if, instead, from today forward, you chose to compete only with yourself – to each day be more of all you’ve been called to be, to be more present and more loving, more productive, creative, generous, and more connected to your Source than the day before. What do you think you could achieve if you competed WITH yourself instead of AGAINST the world?

Self competition, the desire to grow, is the theme of our lead story, which shares the power in one ordinary child’s intentions. Today is a coda to his already achieved dream.

This month, we are officially 20 years old. Over the past two decades, we’ve watched the “manifesting” movement go mainstream and we’ve watched the economy rise and fall. And we’ve watched tens of thousands achieve their dreams. Whether you’re a newbie to my work or you’ve been here all along, I am grateful for your support, for sharing my work with others, and for buying my books, cds and dvds, and attending my events. You are why I choose to break through old boundaries and limiting beliefs and continue to do the work I do. As my thank you, all month long, EVERYTHING I OFFER IS 20% OFF, including the already tremendously discounted Financial Strategy Sessions you’ll find at the end of this issue (that special ends Feb. 15, though, so grab ‘em fast!) Use coupon code Y25K48SCP to get your 20% savings!

Before we dive in, on a somber note, I got word last month that a much-admired peaceworker, Chris Edwin Dahl of the Minnesota chapter of Parents of Murdered Children passed away. His Light shines on in all who were blessed to cross paths with him. You can experience his work by listening to the powerful Conflict Free Zone radio interview Chris did with me. I dedicate this month’s issue to my brother-in-peace. R.I.P. Chris. http://www.blogtalkradio.com/conflictfreezone/2012/07/03/conflict-free-zone-w-paula-langguth-ryan-ani-pathik-law.

In This Issue:

1) DO YOU SET INTENTIONS AS POWERFULLY AS THIS?
2) ARE CREDITONE AND FIRST PREMIER BANK PLATINUM CREDIT CARDS FOR BAD CREDIT A GOOD IDEA?
3) THAT’S WHAT I CALL A PROSPERITY CONSCIOUSNESS
4) UPCOMING TELESEMINARS, WEBINARS AND ON-LINE E-COURSES
5) FEATURED TRANSFORMATION TOOL: RIGHT AND PERFECT MATE
6) HOW MUCH OF YOUR HOLIDAY BILLS ARE LEFT TO PAY OFF?

1) DO YOU SET INTENTIONS AS POWERFULLY AS THIS?

What would you have told your 10-year old self about who you would be at age 17? Here’s what one 4th grade California student wrote in response to his teacher’s assignment:

“I think in 7 years I will be between 6 ft- to 6 ft 4 inches 140 pounds. I hope I go to a good college in football then go to the pros and play on the niners or the packers … (Read the rest of San Francisco 49’ers Quarterback Colin Kaepernick’s story at: https://www.facebook.com/notes/paula-langguth-ryan/do-you-set-intentions-as-powerfully-as-this/540670879298144)

2) ARE CREDITONE AND FIRST PREMIER BANK PLATINUM CREDIT CARDS FOR BAD CREDIT A GOOD IDEA?

Looking to rebuild your credit score, get new credit after bankruptcy or get access to credit when your credit is in the toilet? Folks with low credit scores or recent bankruptcies are getting deluged with pre-approved credit offers that seem too good to be true, according to folks who have sent me copies of the applications recently. So what’s the deal with these offers? A pre-approved unsecured credit card should do more than just report your credit scores and help you raise your FICO score. A good unsecured card should also make good financial sense. Too often the FEAR of having to rely ONLY on the income that comes in makes people jump at credit card offers that financially will put them in the poorhouse.

Let’s start with a review of CreditOne Bank. CreditOne bills itself as “one of America’s leading issuers of VISA Platinum credit cards.” That in itself tells us a lot about the current state of the US economy since they are one of the largest issuers of subprime credit cards.

Right now, CreditOne is mailing out offers of a “pre-approved credit line up to $1,500.” Here’s why I… (Read the rest of this story at: https://www.facebook.com/notes/paula-langguth-ryan/are-creditone-and-first-premier-bank-platinum-credit-cards-for-bad-credit-a-good/527019380663294)

3) THAT’S WHAT I CALL A PROSPERITY CONSCIOUSNESS
“Do all you can with what you have, in the time you have, in the place you are,
do all you can….” – Do All You Can Lyrics, Devotion (www.devotionsings.com)

Two amazing stories I came across recently. First, did you hear about Curtis Jackson in Chicago? Not 50-Cent, but the OTHER Curtis Jackson? From December 2010 to May 2011 he plunked down over $9,000 to pay for a hotel room for a single mom and her 10-year old son after the woman lost her job as a banker and had her home foreclosed on. “I’m one of the richest men on earth, ‘cause I have God,” said Curtis. “Money is not my master.”

Here’s what’s unusual about this story. Curtis Jackson has no assets and has been homeless since 2004. The woman in the story? She used to stop and give him money and talk with him over the years, when she would see him panhandling. After losing her job and then her home, the woman and child were living in her truck for three months – until Child Services threatened to take the child away if she didn’t come up with something safer. Her social worker gave her money from her own pocket to get a hotel room for a few days and come up with a plan. That’s when Curtis Jackson stepped in. (Read the rest of this story at: http://www.paulalangguthryan.com/now-that-is-what-i-call-a-prosperity-consciousness/)

4) UPCOMING TELESEMINARS, WEBINARS AND ON-LINE E-COURSES

Here’s what’s on the schedule for this Spring (Remember to use coupon code Y25K48SCP to get your 20% discount if you register this month!):

* Gently Overcome Conflict Avoidance – in 7 Short Weeks (Starts in late March – details coming next week!) $47 (45 minutes a week, 15 minute Q&A and email support included.)
* Giving Thanks Tithing Mastery Course (Brand new 10 week teleseries starts April 9 2013!) – http://www.paulalangguthryan.com/art-of-tithing/ for details. $27 investment in your future – registration is already open at the link above!)
* Despite Appearances – How to Create What You Desire in Your Spiritual Home Regardless of Your Current Attendance or Income (FOR MINISTERS AND SPIRITUAL LEADERS: 1 hour teleseminar/webinar option Coming in May! No charge!)

You can follow me on Facebook at my public page: https://www.facebook.com/pages/Paula-Langguth-Ryan/161370323894870?ref=ts&fref=ts) Or you can follow my blogs at www.paulalangguthryan.com/blog

5) FEATURED TRANSFORMATION TOOL: RIGHT AND PERFECT MATE
It being February, your mind may be on relationships – the one you have or the one you’d like to have. Do you currently have a mate and want a better, more loving and communicative relationship? Or are you looking for your twin soul? My Right and Perfect Mate workshop (available on cd or downloadable mp3) can help you manifest, build or revitalize any relationship. Instantly download the audio files for $22.95 or order a CD and have it shipped to you. http://www.paulalangguthryan.com/shop/ideal-mate/ (Remember: use coupon code Y25K48SCP to get your 20% savings!)

6) HOW MUCH OF YOUR HOLIDAY BILLS ARE LEFT TO PAY OFF?
What amount of your holiday bills do you still have left to pay off? (Remember to include the “buy now/pay later” and “stretched out over 6-12 month credit offers!). I was just featured in a new article about 6 ways NOT to pay off credit card debt from the holidays. Enjoy: http://www.creditcards.com/credit-card-news/6-bad-ways-pay-holiday-debt-1267.php (Article includes great tips on better ways to pay off the debt….)

That’s all for this month! If you want to get a handle on your debts, or get some clarity about your finances, or create a plan for your financial future, consider a 30 minute Financial Strategy Session with me. Until February 15, we’re running a $99 special for 30 minutes and a $150 special for 60 minutes (which you can use in 6 minute increments!) To book yours: http://www.paulalangguthryan.com/coaching/ (Remember to use coupon code Y25K48SCP to get an extra 20% savings on your sessions!)

How effective is a 30 minute session? Here’s what one client said after hers last week: “Ten years ago, Paula Langguth Ryan did a workshop at my former B&B and Retreat Center, Harmony Oaks. Today she gave me financial peace of mind in only thirty minutes. Four years of recession struggle put to rest. God bless Paula Langguth Ryan!!! If you need help, check out her website for lots of free info AND get a thirty minute session with her!!! It’s priceless!”

Every time something “happens” in our life – an event, a physical ailment, anything at all, we have a choice… I choose to immediately look at how my thoughts and beliefs are creating it…and what my payoff might be for keeping it… I challenge you to do the same today!

Peace and prosperity,

Paula Langguth Ryan
To send a tithe or offering in support of our work, please visit: http://www.paulalangguthryan.com/art-of-tithing/support/

We are immensely grateful for YOU! Thanks for sharing this work with everyone you know!

Are CreditOne Bank and First Premier Bank Platinum Visa and MasterCard for Bad Credit a Good Idea?

By Paula Langguth Ryan, CM Press · Comments (1)

Saturday, January 12th, 2013

Right now, CreditOne is mailing out offers of a “pre-approved credit line up to $1,500.” Here’s why I don’t like these guys. First, off your starting credit line would actually only be $300. There’s a $75 annual fee the first year, which is deducted right off the bat. And then there’s a $99 annual fee starting the second year (we’ll revisit this in a sec). Some online reviews plug the fact that these guys don’t charge an over-the-limit fee, where others charge $35 a month if you’re over the limit. (We’ll get back to THAT in a sec too!)

The interest rate is 23.90% APR (it’s calculated by taking 20.65% and tacking on the Prime Rate, which is currently 3.25%). The total rate can go up to 29.90%. Stiff yet not outrageous compared to other unsecured pre-approved credit cards of this type. Here’s the kicker, though, of why I DO NOT RECOMMEND CREDIT ONE’S CARD.

CreditOne charges interest from the day you make your purchase or charge anything to your card. Even if you pay the bill off in full each month, you’re paying interest on whatever you charged. And if you don’t pay it off in full each month, you then start paying interest on the interest.

So let’s go back to that $99 annual fee. You’re charged that as $8.25/month. Which you pay interest on from the moment they post it to your account each month. Your actual monthly payment then is more like $10.23/month – or an annual fee of $122.76. And as for that perk of no “over-the-limit” fee? They WANT you to carry a balance and don’t mind if it’s over the limit because then they get to add more interest every single day. If you’re carrying a balance of $350 each month, for example, you’re paying them an extra $434 a year. Why would they want to charge you a pesky $35 fee one month to alert you to the fact that you should pay down your bill when they could be getting $434 a year from you? CreditOne – colossal fail.

What about First Premier Bank’s Platinum MasterCard, though?

Much more enticing with their $700 initial credit line and the fact that all interest charges are waived each month you pay your balance off in full (even though they too accrue the minute you make a purchase). But that’s where my kudos for this card end. And here’s why. The first year, you pay a whopping annual fee of $175, which makes your initial credit line $525 – and you’ve got a balance of $175 you’ve got to pay off the first month. On top of that, once your application is finalized, you have to pay an additional $25 processing fee to get the card activated. But wait, there’s more (I feel like a little like Ron Popeil right now!) After the first year, they generously reduce your annual fee to $49 – and stick you with a monthly servicing fee of $14.50 a month, which comes to $174 a year.

And the interest rate if you carry a balance? 36%. That’s right. Thirty. Six. Percent. That works out to interest of 3% a month. Most credit cards only require a minimum payment of 3% a month – so riddle me this… if you’re paying 3% of your balance each month, and they’re adding 3% of your balance in interest, how long will it take you to pay off your credit card in full? I can hear Buzz Lightyear right now “To Infinity and Beyond!”

Here’s an even more laughable fee they charge: when you’re approved for a credit increase, you’re charged a $25 Credit Limit Increase Fee for every $100 credit addition you get – so they get 25% interest from you in ADDITION to the 36% you’ll get charged if you carry a balance.

In my mind, First Premier Bank is English for “Loan Shark.” Buyer beware.

Got another bank that’s sending YOU credit card offers? Send me information about them and we’ll check ‘em out and report back! For a personalized strategy on getting a handle on your credit and debt situation, consider a 30 minute strategy session with me. Email me at paula@paulalangguthryan.com

Comments (1)

Categories : Bankruptcy, credit after bankruptcy, Financial Recovery, Get Debt Free, Healthy Money, Peaceful Balance

Recession got you thinking about suicide?

By Paula Langguth Ryan, CM Press · Comments (0)

Tuesday, November 6th, 2012

Financial stress really CAN kill you, as the prestigious medical journal The Lancet points out this month. A report released this week shows that nearly 1500 more people killed themselves annually in 2008, 2009 and 2010, than in the years BEFORE the recession. And it’s strongly tied to the unemployment rate, as the study discovered. Every time unemployment rises by 1%, suicide rates in the United States rise by 1%.

It used to be that money, sex, politics and religion were big taboo topics in “polite society.” Now, thanks to social media, like Facebook and Twitter, folks are sharing their thoughts on sex, politics and religion with abandon. But we still don’t talk about money. The last taboo. Why? Because we think “money” means something about us. We think what we earn or have makes us more lovable, better providers, more powerful, and more successful. So what happens when the money stops coming in? What happens when you lose a job, get laid off temporarily, experience a loss of income due to death, divorce or a health challenge? What happens when your credit score drops so low you become “credit-unworthy”? Or when your credit card balances get so big you can no longer juggle one bill to pay another? What happens when your home gets foreclosed on, your bills are all past due and your car gets repossessed? Or what happens when even the THREAT of this is happening in your life?

It takes a psychological toll because of what we think it means. And when we get depressed about our finances, since it’s not a topic we’re willing to talk about with others, we wind up talking to ourselves. And often one option we see is the final exit door of suicide. It pops into our minds how easy it would be to just take a turn to fast, or accidentally take too much of our medicine, or leave the car running while we’re in the closed garage answering our smartphone emails.

If you find yourself having even the most fleeting thoughts about checking out because of your finances, do me a favor first. Download this free report on How to Know if It’s Time to File Bankruptcy. It may just give you the breathing room you need to get through this financial challenge. You’re not alone. MILLIONS in the United States are going through this same situation. And even if you’re not a good candidate for bankruptcy, there are strategies you can come up with that can help you put together a plan to repay your creditors in a way that works for YOU first, rather than for THEM first. A session with me could help you gain some valuable insight, get clarity and put the plan into motion. And until November 15, you can get an entire hour’s worth of my time for $125 (and you can use it in 6, 15 or 30 minute segments if we work out a plan real quick for you!).

I KNOW that it seems like money is the be all and end all because of how we’ve intertwined our lives with our “stuff” – but it truly isn’t. Money is energy. It doesn’t mean anything about you – except for whatever meaning you’re giving it. Financial changes can be the start of something really new and exciting in your life if you give it room to grow rather than seeing it as something you’ve “lost.” Promise me you’ll reach out to me or someone else with financial knowledge who can help you set up a strategy to get out from under whatever financial mountain you find yourself buried in. Financial challenges are temporary. Suicide is a permanent solution to that temporary problem. Think about your 3 favorite moments in your life – and what would it feel like if you never got to experience moments like that ever again. That’s what happens if you decide to off yourself instead of giving yourself relief from your debts and creditors.

Do you really want to give your creditors that kind of life and death power over you? Bottom line: you kill yourself, and your creditors win – while you, your family and friends all lose. Do you want to choose to be their victim? Or do you want to make a choice to empower yourself and transform this situation so you can easily move into a space where you’re at peace, with clarity and a sense of direction on how to move forward to create a financially secure future for yourself and your family. The choice is up to you. As I tell my 5-year old son “make choices that will help you succeed at being happy and healthy!” Get the free report; consider talking with me or another calm person who has some distance from your situation. Take back control of your finances, your life and your self-confidence. It’s easier than you think.

Comments (0)

Categories : Bankruptcy, Conflict Dissolution, credit after bankruptcy, Financial Recovery, Foreclosure, Get Debt Free, Healthy Money, Inner Transformation Newsletter, Manifesting, Peaceful Balance

Tags : money problems lead to suicide

Need money for security deposit and rent after bankruptcy

By Paula Langguth Ryan, CM Press · Comments (0)

Wednesday, October 24th, 2012

Q: I have a friend who needs some money for a security deposit and two months rent. How can she get a small loan until she gets back to work? She’s been on disability for a couple of months, and is returning to work around end of January. She has a job waiting for her and her credit score is 680. I want to know if the book Bounce Back From Bankruptcy will be helpful to her. Debbie S.

A: I’d encourage your friend to consider a few things before jumping into renting a new apartment/house. The challenge with borrowing money to get back on track when you’re starting a new job is that you start out the new phase of life using the new money that’s coming in to pay for things that were purchased in the past (the security deposit and rent). If at all possible, I’d encourage her to stay where she’s at or rent a room from a friend for a small amount until she’s saved up 3 month’s rent. THEN start looking for a place, when she’s got the income coming in. The challenge is that if something happens and the job falls through or falls short of expectations, your friend would be saddled with a new rent payment AND new debt.

Now, let’s say that there’s an absolutely intolerable situation and there’s no way for your friend to stay where she is or do the above strategy. In those cases, loans from personal friends are the best ways to get short term money for security deposit and rent. Next up is selling things that you have to generate the cash. Third, is to see if the landlord is willing to barter in exchange for the money itself – there are ALWAYS things that need to be done – whether it’s fixing things up around the place, babysitting the kids, doing paperwork/filing/cleaning. Think outside the box and release those thoughts that say “I don’t want to do that”. When we want something bad enough, we’re always willing to go the extra mile and do whatever needs to be done to make it happen. Encourage your friend to stay put and save up money from the new job before taking on any new debt. Otherwise, she’ll be paying new rent AND paying off the loan for the security deposit and 2 month’s rent!

Folks (including bankruptcy attorneys!) rave that Bounce Back From Bankruptcy is the BEST resource available for people who are recovering from bankruptcy or other financial challenges, so I’d highly recommend that your friend get a copy, or at the very least get the free 48-page Do’s and Don’ts of Bouncing Back From Bankruptcy booklet to get started – she can grab a free copy of the booklet at www.newcreditafterbankruptcy.com.

Comments (0)

Categories : Bankruptcy, credit after bankruptcy, Financial Recovery, Get Debt Free, Healthy Money

Why are consumer bankruptcy rates falling?

By Paula Langguth Ryan, CM Press · Comments (0)

Friday, July 6th, 2012

Here’s some breaking news: The number of new consumer bankruptcy filings are 14% lower than they were the first half of 2011. That’s some great news. Or is it? Let’s look at what may be behind this drop. Some experts believe the lower bankruptcy rates are due to the low interest rates. But I can’t think of a single client who is behind on his/her debts who isn’t getting hit with double digit interest rates. Some are even hovering at the tippy-top of the scale at 26%-29% interest.

So I don’t think low interest rates are the real reason bankruptcy rates are lower. Here’s my take on the situation. I think one of two things is happening right now:

1. A tremendous number of people simply can’t go bankrupt even though they would desperately benefit from it – because they can’t afford the bankruptcy fees. There are even attorneys out there who “help” their clients out by holding title to their cars while they pay off their bankruptcy fees. The drawback of course is that if yet another financial calamity hits.. now they lose their wheels as well! (For many others, this isn’t even an option because they’re going bankrupt on their car loans and don’t even have title to their cars!)

2. A growing number of people are looking to debt negotiation as a “non-bankruptcy” option. This might work best for you if you’ve come into some money, from a tax refund, a small inheritance, a second job, sale of some fun items like your ATV or weightlifting equipment, or just super cutting of expenses (especially if you’ve already lost your home to foreclosure and moved in with friends or relatives). Also, with our sandwich generation growing, many people in their 40′s-50′s have put their names on property that’s owned by their folks. Going bankrupt could cause creditors to come after mom and pop’s accounts or real estate – so that option is completely off the table.

If your debts are more than 1/3 of your income, it might be time to start looking at what options you have for getting out from under them. FIRST and foremost, do NOT borrow more money from any family members or friends and SECOND, do NOT tap into your retirement savings – these are usually exempt under a bankruptcy. Check with a qualified bankruptcy attorney in your area (there’s a free referral listing of consumer bankruptcy attorneys by state on my website, www.paulalangguthryan.com) to see if that’s your best option. Or call my office for a free 15 minute consultation to talk through what’s going on in your finances. You may just need a better way to structure your income and payments so you can get back on track. You’d be surprised what you can accomplish with just a little clarity. And the best strategy for you might not even cost you any money – just some time creating a system for yourself that puts YOU back in charge of your finances.

Comments (0)

Categories : Bankruptcy, Financial Recovery, Foreclosure, Get Debt Free, Healthy Money

Archive for Get Debt Free

Are CreditOne Bank and First Premier Bank Platinum Visa and MasterCard for Bad Credit a Good Idea?

Need money for security deposit and rent after bankruptcy

Why are consumer bankruptcy rates falling?

Inner Transformation Magazine

Author of:

Browse Current Issue

Author of:

Departments

FREE Report

Past Issues

FREE Gifts

Shop

Inner Transformation

Name
Email
State

Archive for Get Debt Free

February 2013 Inner Transformation

Are CreditOne Bank and First Premier Bank Platinum Visa and MasterCard for Bad Credit a Good Idea?

Recession got you thinking about suicide?

Need money for security deposit and rent after bankruptcy

Why are consumer bankruptcy rates falling?

Inner Transformation Magazine

Follow Paula!

Author of:

Browse Current Issue

Author of:

Departments

FREE Report

Past Issues

FREE Gifts

Shop

Inner Transformation