Sterling Credit Solutions

We Have Solutions

for Your Credit

Problems

Committed to Green

Committed to Green

Doctor Debit is Free to Everyone

Ask Doctor Debt

daron vchulek doctor debt

Education is Key to Improving Your Credit

Doctor Debt

Have you noticed that when someone who is financially successful in being interviewed they often have a large wall of books or in a library as a back drop? This is not for looks, successful people educate themself by reading. Someone once told me that, "Poor people have large TVs and wealthy people have libraries.”

If you want to improve your financial situation, the best advice I can give you is to begin reading, listening, and participating in seminars and workshops that will encourage your personal development.

If you can not afford to buy the books you need to start your library you can use your local public library. If you do not have a library card you can usually apply for one on-line. Many larger metro library will even mail books to you at no charge.

Mother would drive us to the library and we'd get to see our names on a chart that would track how many books we read. If you can afford to buy the books and add them to your new library you will be able to refer back to them as needed.

Below are some recommended books for reading. I have read these books many times and continue to refer back to them for help. I have created links to Amazon.com so that you can find them easily.

	Success! The Glenn Bland Method By Glenn Bland This book will show you how to set goals and make plans that really work. Glenn Bland's ingredients for success include spiritual, financial, educational, and recreational balances.
	Think and Grow Rich By Napoleon Hill If you were to ask the most successful people on earth which one book they would recommend, I would put my money almost all of them would recommend this one. I can't remember anyone successful who has NOT read this book. What more of a recommendation do you need? Best of all, it's well stocked at your library. You have no excuse not to read this book.
	Legend of the Golden Scrolls: Ageless Secrets for Building Wealth By Glenn Bland This book is in a story format where the hero finds knowledge on how to build wealth. The chapter on how to increase your income is worth the price of the entire book
	Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money-That the Poor and Middle Class Do Not! By Robert T. Kiyosaki and Sharon L. Lechter This is a story about how a child learned about wealth from two people, his father (who was poor, financially) and his best friend's father (who was a wealthy businessman). This book will really open your eyes as to the difference between working hard and working smart. After reading this book, you'll never look at a “job” the same way again.

by Daron Vchulek - December 2, 2009

Committed to Green

Paid Advertising

#1 In Identity Theft Protection

10% OFF Annual LifeLock.com Identity Protection, plus a FREE Document Shredder with code shreddercj thru 10/15

Follow us on Facebook

How will your change in credit card interest rates impact you?

September 1, 2011

If you happen to miss a payment on your credit card or any other loan it may impact your credit card interest rate. If you owe about $1,000 at 11% interest it will take you 73 months (6 years) to pay it off and $320 in interest. but when your credit card company increases your interest rate due to a late payment, even if the late payment is not that credit card, they can increase your rate to a penalty rate. Let's say that rate is 19.9% (some states allow up to 29.9%). It will now take you 100 months to pay off your balance (8.3 years) and $860 in interest.

It pays to pay your minimum payments on time.

.

FREE Credit Scores for Prospective Borrowers or NOT.

September 5, 2011

It has been just over a month since the new Federal credit score disclosure law went into effect. Lending institutions have already found loopholes to keep from disclosing your credit score when you are denied credit, loan, or if you received less desirable terms because of your score. According to SmartMoney.com there are time you may not get a credit score. These are usually when banks use their own in-house credit scoring system. There are other ways to get your credit score that will not impact your credit rating by going to MyFICO.com Click here for more information.

Paid Advertising