Thanks for the warm welcome back! I know a ton of people are struggling in this economy, and as you can see, I haven’t even kept up for you guys. I’m really sorry about that (man I’m startin to sound like a broken record!)

If you’re one of the many Americans facing foreclosure (and believe me, they come from all walks of life!), you’re not alone. Of course we can’t guarantee that these guys can save your home, but maybe you owe it to yourself to give it a shot. Sure, many Americans are walking away right now, but you know what? Come 3-5 years (or longer), as the economy recovers, that bankruptcy and/or foreclosure is gonna come back to haunt you. If you can’t afford it…you can’t…there’s no shame in that (it sucks, but hey, you can only do so much!).

That having been said, if you think you might be able to afford it (hey now, this is not the time to be dishonest with yourself…many Americans got into a bad situation because of unscrupulous mortgage practices, but it didn’t help that people believed the “good times” couldn’t—wouldn’t—end), now is as good a time as any to give yourself a shot at keeping your home. You may have heard the commercials on your local radio station(s) (I know I’ve heard a TON of ‘em around here!…probably 6-8x a day!) talking about loan modifications. This is what they’re talking about.

The truth of the matter is, you have to be super-careful about who you do business with. ForOneBuck.com makes no guarantees about any of the companies you may be matched with. Make sure you check their credentials, and a quick check with the BBB would be a good idea. Ask to talk to some of their former customers (know right off the bat they likely won’t put you in touch with anyone who had a negative experience, but you can still find out a bunch about who you’re working with by talking to previous clients), ask questions…just like visiting the doctor…this is a pretty major issue if you don’t get it resolved! Remember, also, different companies may have different requirements for who can get approved for loan modification, and just like pre-bust, there are a ton of predators out there waiting for you to fall prey to their schemes. Check, check, and check again!

Behind on your mortgage? Perhaps a loan modification is the answer…click here to find out more!

Learn to secure your financial future with this free Rich Dad Workshop! I’m guessin, especially if you’re into saving money (and maybe gettin’ some more of it), you’re at least familiar with Rich Dad, Poor Dad. So here he’s giving you (yes, even you!) the chance to learn to secure your financial future at one of his workshops. Now…the down-side is they’re only in four places, but they’re more-or-less central places to where you live (frankly, I’m shocked…shocked…he didn’t do one in NYC, SF, Chicago, Los Angeles, Atlanta…but hey, what do I know). Of course…if you wanna save money and/or make more of it, it will cost you a lot less on hotels and transportation than some of the bigger cities would (and careful planning and buying is a necessary skill if you wanna make more money and keep more of what you have).

Get your education November 2^nd through November 4^th, 2009!

Philadelphia, PA | Birmingham, AL | Topeka, KS | Fresno, CA

I certainly hope you haven’t…it’s a real pain to get that stuff undone. Often, it doesnt even get undone…you have to wait seven to ten years for it to go off your credit, and even in the best-case instances there are serious repercussions for victims of identity theft (sadly, most identity thieves get away with it). Even if you’re lucky enough for identity theft to not ruin your life, it makes everything harder…from getting a gas credit card to buying a house or a car (I know that houses and cars aren’t on most peoples’ lists of “to-do’s” these days, but it’s important to understand how bad it can be).

On a side (and way more cheerful) note, welcome back everybody! I see that more of you are out there reading and might be wondering where I disappeared to for the last couple of weeks. There’s soooo much to do with school starting for the kids (and of course the start of football!!! been waitin’ since the refs robbed the second NFC West team in the last four years in February! I think the refs’ uniforms should be changed to black-and-yellow). My apologies on not gettin items up like I had been, but everything is [mostly] back to normal and it’ll be back to a [week]daily dealio.

So this particular offer works like this: you get a 30-day FREE TRIAL to this Identity Protection System (this includes ID Alerts if changes to your credit report could indicate fraud or suspicious activity and protection if your credit or debit cards get lost, stolen, or misused, up to a $1,000,000 product guarantee). You also get a free Credit Report from Experian so you can check for errors (FYI, you’re entitled to a free copy of your credit report every twelve (12) months from all three credit bureaus; there’s no affiliation between this service and the three free credit reports, which you can get from AnnualCreditReport.com).

Protect me now!

Did you know there are over 1,000 federal and 50,000 private grants available at any one time? You may be able to qualify for one or more of these grants…but finding your way through them can be difficult and time-consuming. There’s an easier way…help is finally here!

This one-of-a-kind program is chock-full of juicy information (dang, now I’m hungry lol ) to help you find the right grants, and to give you the tools and resources necessary to find and apply for this money. This information, available to you right now, could literally be worth thousands of dollars!

• Learn step-by-step instructions for finding Federal and Private Grants
• Access the Directory with thousands of Federal and Private Grants as a special bonus
• Learn how to tap into the Grants you may qualify for to start or expand a business
• Live Chat Representatives help you on your way
• …and much, MUCH more!

Need to pay your mortgage? Have business expenses piling up? An unexpected medical emergency or vehicle problem? Need to free up money to do something fun for your kids?

Grants may be the answer…whatever your question!

Unfortunately for many people out there, it’s true…there have never been this many foreclosures in the past (that’s kind of a “well duh,” though, and kind of misleading…I haven’t seen any data on percentages, just solid numbers…and as population increases exponentially, even if not all populations do, overall of course there are gonna be more people tomorrow than there were yesterday…extend this over the last hundred years or so, and yeah, of course there haven’t been this many foreclosures in the past…”well duh” ).

However, as Donald Trump himself has said (say what you want about the guy, dude came outta bankruptcy and rebuilt his fortune…not many people can do—or have done—that), you can make a ton of money when the economy is at it’s worst (yeah, I’m paraphrasing, it’s not like I’m an Encylopaedia O’ Famous Quotes, ya know ). I’d like to think you can also take this chance to help out those less fortunate than you (nope, you don’t have to, that’s the beauty of a free market…but in my experience, helping others helps you in the long run…you never know who you’re gonna help or whether you might need it in the future).

So you’re probably wondering where all this is going (I sure am)…and basically, they’re giving away free software called ForeclosureID™, to help you quickly and easily discover pre-foreclosure and foreclosure properties in the US. You gotta pay $9.95 S&H, but as a bonus, they’re also giving away a step-by-step foreclosure manual, Find It, Close It, Profit. Here’s how this works…you get the manual and thirty days’ free trial of the ForclosureID™ software; if you decide to keep it (if it doesn’t work, SEND IT BACK!!!), you’ll be billed $39.95 monthly for use of the service. If you’re ready and able to put a house or two away for the next couple of years, you can really come out ahead when it’s time.

• Buy 30-50% below Market Value!
• Buy using no money out of your pocket!
• Buy regardless of your credit!

As Seen On TV®…try it FREE!

You know how much I love free money offers (really, who doesn’t?) Of course…you do have to pay it back, but a quick injection of $1,500.00 into your account will likely go a long way toward making your life easier right now (and the ability to pay it over time is pretty handy in this economy). All credit types are welcome…just fill out a quick 30-second application and everything is handled online. You’ll usually get your money within 24 hours of applying, and you can use the cash for anything you need.

This can be a real life-saver if you’re strapped for cash, but remember, they tack on a service fee, so keep that in mind. Be careful out there, and if you need money, you need it, this is a solid last-resort or if you’d rather avoid having to go to a pawnbroker (online tends to be more discreet ).

There are limited funds to distribute, so APPLY NOW!

If not, let me be the first to assure you…it sucks. Lots of people have had it way worse than I did, I was really lucky…I would honestly go so far as to say blessed when reading the stories other identity theft victims have dealt with. Look at me now…helpin others save money and protect their identities.

It doesn’t help that banks and other financial institutions don’t really care about their customers enough when something does happen, or that police and federal departments are so understaffed (especially now!) they can’t put manpower on non-violent crimes, or that the three credit bureaus don’t give a hoot about typos. This isn’t a dis on the employees of any of these institutions…remember that when you’re talking to a bank or credit bureau employee, they’re underpaid and overworked…and ask yourself how you would respond if you had to deal with some unhappy angry emotional person in the course of your your job if it were the same scenario (and maybe you are underpaid and overworked).

Oh right, that’s why you’re reading this…because you wanna know how to prevent identity theft! There are tons of services, watching your credit reports is so important I can’t even begin to describe it. ProtectMyID kicks ya down a few other tools though:

• Comprehensive monitoring with alerts
• 24/7 credit and debit card protection
• Personal fraud resolution professionals
• $1 million product guarantee
• And more…

Right now, you can get a free 30-day trial to ProtectMyID’s services. If you decide to keep the service, it’s only $9.99 a month. It’s not gonna hurt to give it a shot, and if it helps protect you I believe it’s worth it.

Get the tools to defend yourself against identity theft!

Okay, so first off, I don’t usually post this early in the morning…I’m usually in bed by now, I have stuff I gotta do too, ya know. But I came across this today and I had to share it…and I dunno if he’ll link back to me or not, this is actually a bonus post til I get around to actually posting later today. I thought this was important enough to share with y’all.

I’ll leave the wording I had planned to leave the wording to Robby Scott Hill (but then I read it…and dude is brilliant, no doubt, but not always as clear as I’d like it) and I’ll likely put this as a permanant link elsewhere…where is yet to be determined. Anyway, Hill talks about what happens should a bank or credit company try to get a judgement in a court of law against you (you know most of them can’t, right? it’s in your contract…you know, that thing you signed when you got your credit card or your loan or your whatever). The fact of the matter is that your agreement likely provides for arbitration as the only way they can handle unpaid accounts. Of course, you have to read your Terms & Conditions and the ins and outs of your contract…but it’s likely gonna have to go to arbitration, and they likely can’t sue you in court, per se. Normally this would be great for the bank, and terrible for you, because arbitration strips you of many of your rights…but if you’re up to it, you can probably counter-sue for breach of contract.

Now…I’m not a lawyer, and I don’t have much legal experience, so you’ll need to review your contract, and maybe contact a lawyer as well. Hill goes into some craaaazy detail on this, but again, it’s so important to read I’m staying up late to post it!

Avoid or delay a debt collection

So I was trippin’ when I first saw this…I was like WTF?!?!? Debt into wealth?!? Debt free in as little as 90 days?!? Then I started reading more…and obviously, not everyone is gonna be debt-free in 90 days cuz not everyone has the same learning curve or is really willing to become debt-free. But if you are (and I like to think that if you’re here, you’re ready and willing), click the link and get your 3-day access to MyMoneyPlan.net (it’s an educational and interactive site offering you information to expand your financial awareness…no mention as to whether you’ll reach financial nirvana, but that’s because that is up to you).

Are you ready to…

• become debt-free faster than you thought possible?
• pay off your mortgage in just a few years?
• reduce interest rates and make the banks work for you? (one of my personal fave’s lol)
• share your secrets with family and friends? (no need to be greedy…pass around and let everyone benefit!)
• take part in an educational and interactive website?

And that’s not all!!! (lol..I just really really wanted to say that…again ) For a limited time, they’re also giving away, FREE, a financial assesment, Pay Yourself First Guide (learn to pay yourself first and still pay the bills!), and a downloadable best-seller, MONEY What Financial “Experts” Will Never Tell You. They’ll also give you a 14-day risk-free access to SmartFinances.com

Let’s face it…accelerated debt-elimination is a great wealth-building strategy! Jump on the bandwagon for your free trial and free bonuses!

Need cash to pay down debt, start a business, or further your education? Did you know the U.S. Government gives out millions of dollars a week in grants? Do you want to know how to get some of that money? Of course you do! And you know that’s where I come in! lol

The US Government and private foundations award MILLIONS IN GRANTS to people just like you who are in need of financial help. The best part is, most grants come with absolutely NO INTEREST! Do you know of ANY financial institution that can match that? Imagine qualifying for a grant to get your business going… and once you’ve got it up and running, paying back the investment pound-for-pound, without worrying about the pesky “interest” gouging away at your pockets! The government can actually be quite a good pal, you just need to know who to turn to, and what to say. We’ll teach you all that and more with this free trial.

Um…it’s a free trial to put free money in your pocket…what more could I say?