Debt Reduction Plans – Can Make You Are Break You

There are almost as many debt reduction plans as there are ways to get into debt in the first place. So which one is the right one for you? There is no point working on a debt reduction plan that worked for a friend or family member, because their financial situation is not the same as yours.

What matters is that you find the right debt reduction plans to suit your income, your debt and your financial situation. It must be right for your unique circumstances.

You might decide to use the snowball method, or aim at paying off the highest interest debts first. You could choose to try debt consolidation or even debt settlement options to try and get rid of your debts.

Regardless of the type of debt reduction plans you choose, there are some things that hold true for all of them. In order to reduce your debt and get back in control of your finances then here are some things you will need to consider.

No More Debt

When you?re working on debt reduction plans it?s important not to incur any more debt. This means not charging anything else to your credit cards and not applying for new credit anywhere. You?re trying to reduce debt, not trick yourself into thinking just one more card won?t matter. It will.

Declining Payments

You might have noticed that the minimum repayment amounts on most credit card bills are different each month. This is because you?re charged interest on the balance owing. As your balance reduces, your payments should reduce too.

If you have any accounts with declining payments, then ignore the amounts as they change. Keep paying the same amount you were paying when your balance was high and you?ll pay it off much faster.

More Than Minimum Payments

Never pay just the minimum payment on your accounts. In order to make debt reduction plans work for you and get out of debt for good, you?ll need to find a way to pay more than just the minimum payment due each month.

If you?ve chosen the snowball method as your way of getting out of debt, then you?ll only be making excess payments on one debt at a time. As long as there?s extra money going on at least one of your debts, you?re making progress.

Motivation

The biggest problem with most debt reduction plans is that people lose motivation very quickly and fall back into their bad spending habits that got them into trouble in the first place. Find ways to keep your motivation levels high.

You might choose to use a debt reduction spreadsheet to track your progress. Or you might plan a really nice reward for yourself once your debts are gone. Think about how much money you spend each month on repayments. If all those repayments were gone, what would you prefer to spend that money on?

You might treat yourself by having enough money to save for a luxury vacation, or you might find there?s enough left over to save for a down payment on your own home. If you already have a mortgage, you could project your debt reduction plans onto paying this debt down next and work on being completely debt free.

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Credit Card Debt Facts

There are multiple facets to credit card debt. There are multiple myths surrounding these multiple aspects that people tend to believe. These myths may hurt them as they work to pay off their debt. Knowing the credit card debt facts, over these myths, will help you to better understand your debt. You can better understand what you need to do to pay off that debt. You can also better understand the culture of debt in society, and how you must work to stay away from a growing trend.

Interest Rates can Change

Interest rates are not set in stone. While you may enjoy a small interest rate now, that interest rate could jump without notice. While laws are being passed to change the rules regarding interest rate changes, they may still be changed until these changes become law. By sticking with monthly payments and by religiously paying down your debt, you can avoid these interest rate changes.

Minimum Payments are Not Enough

Many people believe that the minimum payments that they are making will be enough to pay down their cards debt balance. They do not realize that, on many of their credit cards, the interest charges per month can be larger than the minimum payments. If you are only paying the minimum payments on your cards, you may still be gaining debt.

Debt Continues to Rise

When people are dealing with debt, they tend to go into more debt. People will often open up new credit cards to help pay off their old credit cards. Eventually, they fail to realize that they have dug themselves into a deeper hole. General credit card debt is rising by at least 1% per year. Debt is also rising on the personal level. Slowly but surely, the average debt for Americans in debt is rising. According to a Nilson Report from April 2009, the average credit card debt for USA households has jumped from $10,737 to $10,779; an increase of over $40 in less than a year, from 2007 to 2008.

More People Go Into Debt Every Day

As a nation, America has almost $1 Trillion in credit card debt. This number continues to rise. In the past year, 700,000 people in America have gained a credit card that did not previously have one. This means that over half of a million people went into credit card debt in the last year. Credit card debt is an easy habit to fall into.

Debt continues to rise for individuals, and for society as a whole. If you can, stay away from creating new debt as you work to overcome your current debt. With that being said, you should still work to increase your payments to avoid the issues that come from many of these credit card debt facts. By knowing the truth behind these facts, however, you can take the best possible approach to your financial situation.

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Debt Reduction Calculators – Help Regaining Control Of Your Debt

If you?re serious about finding ways to get out of debt, then there are plenty of debt reduction calculators that can help you work out a plan of attack.

Debt reduction calculators can be an excellent way to help keep your motivation levels high and show you what effect your actions are having on your total debt balances. It?s incredible to think that just an extra $1 per week can potentially save you thousands of dollars in interest. If you enter your own numbers into a calculator and then change your repayment amounts to reflect any extra amounts you can afford to pay, you can add up how much interest in total you?re paying and how much you could be saving.

You can also work out how long it will take you to get out of debt based on your current payment levels. If you?re only paying the bare minimum repayments on your debts now, then you might be surprised at how many years it will take you to get out of debt. The result is usually a much bigger number than most people expect.

Using Debt Reduction Calculators

When you?re ready to work out a plan of attack to get out of debt, enter your numbers into a debt reduction calculator. You?ll usually be asked to enter your current income after tax, the amounts you owe, how much you?re being charged in interest and what your current repayment amounts are. Take a careful look at your starting point.

Now change the interest rate to a lower amount and take a look at what it does to your repayment amounts. If you had that extra amount of money in your pocket each month instead of giving it to a bank, would that make life easier? What if you put that extra money back towards your debt reduction plan as extra payments? Take a look at what happens to your debt levels if you increase the amount of extra repayments you make.

Figure out where you might be able to cut back a little of your current spending and add those savings to your debt reduction figures. Even a couple of dollars can make a difference to how quickly you can pay off your debts.

Regaining Control of Your Finances

Debt reduction calculators can help you work out a realistic plan that could give you the direction you may have been looking for to get rid of your debts and get your finances back under your control. It?s surprising how many people don?t have a clear idea of where their money goes each week and then they struggle to keep up with repayments, getting further and further into debt.

Take a few minutes to enter your numbers into good debt reduction calculator and you should begin to see where much of the money you work so hard to earn goes each week. Your next step is to take a look at some of your other spending patterns to see if you can find ways to cut back on any other costs.

Once you?ve played with the numbers in a good calculator, hopefully you will have realized that it is possible to reduce your level of debt if you work through your plan of attack and stick to it.

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Answers For Your Debt Consolidation Problems We Have Them

One of the best things you can do in terms of restoring your peace of mind is to improve your financial situation. Debt consolidation is one excellent way to reach this goal, but how exactly does it work? What is debt consolidation? The purpose of this article is to tell you just that.

Look to see if a debt consolidation company’s counselors are qualified. Are they properly certified? Are they backed by a reputable company that will be there if something goes wrong? It’s vital to use a company that is reputable and has a history of satisfied customers.

Make sure to ask about the debt consolidation company’s privacy policy before getting involved with them. What will they do to ensure your information is kept confidential? Get a copy of their privacy policy and read over it before making any decisions. If you spot something you do not like, move on to another company.

Talk to friends, family and coworkers. You aren’t the only one with money problems, and chances are that someone you know already has some experience with debt consolidation. This is a great way for you to find a company you can trust, so that you can avoid using a less than reputable company.

A non-profit debt consolidation agency is not necessarily a better option. Regardless of the status of your debt consolidation agency, contact the Better Business Bureau to make sure it is a legitimate business. If you find that some complaints have been filed or come across some bad reviews online, find another option.

If you have a life insurance policy, you may could possibly borrow the money against your policy. Even though you are not required to pay back the amount, it is recommended that you do. Whatever amount you withdraw will be deducted from the final amount paid to your beneficiaries.

If you make the decision to consolidate high interest debts such as credit card balances into a different obligation, do your absolute best not to begin racking up new debt until the consolidated amount is repaid. If you are doing nothing more than moving debts to different places while continuing to spend, you will not reap the benefits that debt consolidation really can provide.

With the current low home mortgage interest rates, you may be able to refinance your home and take out some of the equity. Be careful to avoid borrowing as much as possible on your new mortgage. If home values should drop even more, you may end up owning a home that is less than the amount you owe on it.

There is no harm in comparison shopping for consolidation loans. The fact is that some financial institutions, or friends and family, may offer you a better rate than others. Whether it is a line of credit, mortgage, credit card or loan, compare the interest rate and terms and figure out which is the best bet.

Many of us struggle with our finances. It is easy to let debt spiral out of control, and gaining control can be difficult. Debt consolidation can make the process easier and can provide you with much needed peace of mind. It’s worked for thousands of people – try it and see if it works for you!

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Insight On Achieving Home-Business Success

Throughout your life, you will have ample opportunity to really do something special and stake your claim. Whether or not you decide to take advantage of the opportunities out there, is up to you. But if you want to start making something better for yourself, you should check out these home business tips and use them to build a solid career.

Make sure you groom and dress for work, no matter where you are working. Developing this habit will help get you into a productive frame of mind at the start of each work session. It also means, you will be ready to conduct business outside the house at a moment’s notice.

If you want to market something and you are not sure what, make it something you use. Selecting a product that will be successful involves thinking about people’s needs. If it would improve your life, it would probably improve the lives of many other people.

Offer your different customers special incentives for taking the time to refer friends to your services. This type of marketing is the best for any business type. Incentives tend to boost loyalty from existing clients.

Keep separate business checking accounts and business credit cards it makes it much easier to track money and you’ll surely appreciate that at tax time. If you are on a shoestring budget, keep meticulous records and your needs are simple (i.e. sole proprietor), this may be optional. Get final advice from a trusted Certified Public Accountant.

Check with your city hall or the city planning office to learn if there are any zoning regulations that will inhibit you from starting your home business. You may find yourself being ordered to cease operations down the road if you are breaking any of the zoning laws in the area.

To make your business more visible, use the proven, successful methods of search engine optimization. SEO, or search engine optimization, can help you market your online business and build a better online presence. There are many professional guidelines for using SEO, and they can help you get started.

You are likely going to need to get a domain name for your home business then you will be required to get a hosting account that is going to be reliable for you. Shop around to learn as much as possible about the different hosts that are available to find the one that is going to work well.

Whenever possible, use your business credit card. When you travel, eat out, and have other minor expenses, using your business credit card will keep cash in your hands and defer the payment. Using a credit card also helps to build miles or points on your card which can later be redeemed.

Making a better life for you and the people you love, should be a top priority of anyone out there. A home business can help you to do just that, but it isn’t something you can do without any help at all. Make sure that you use this advice to help build your overall business plan. Here’s to your continued success in business!

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Article Will Help You Know All About Debt Consolidation

Debt consolidation is a solution that many turn to when the bills pile up and then people aren’t aware of what to start paying first. Are you one of the many suffering from too much debt? Are you ready to take the steps necessary to get you bills under control and to get creditors off of your back? If this is your situation then you’ll probably want to go over this article so you can learn more about debt consolidation.

Look online for a lender to help with your debt consolidation. Lenders online have a good track record for supplying loans quickly and safely. Research the lender to ensure that they are well known and respected in the industry. Carefully read all the terms associated with the loan and you should have an easy time of securing one that fits your needs.

Before you decide on an option, you should carefully look over your credit report. The first thing you have to do to get your credit into shape is figure out what got you in your situation. Learn from your financial mistakes so that you do not make them again.

If you are considering a debt consolidation company, do not be afraid to ask a few questions about their counselors. For instance, are the individuals certified? Debt consolidation is a tricky topic, so working with a certified counselor is more likely to get you the results you desire. So, speak up and find out!

Make sure to ask about the debt consolidation company’s privacy policy before getting involved with them. What will they do to ensure your information is kept confidential? Get a copy of their privacy policy and read over it before making any decisions. If you spot something you do not like, move on to another company.

Try keeping and applying for those introductory 0% interest credit card offers in the mail. Consider the amount of interest that you may save via consolidating all that debt onto your new card. You must use caution, though. Keep to a plan that lets you pay off the transferred debt during your low interest period. Don’t miss payments or you will make your interest rates go up drastically. Don’t open multiple cards and keep one of your old ones with a small balance on it.

Look into whether the debt consolidation firm you are considering approaches things individually or if they use a “one size fits all” approach. Quite often, those general approaches can be pretty cheap, but it may not be the best fit for your specific need. They may even cost you more money in the long run. A custom approach is typically the best.

Talk to friends, family and coworkers. You aren’t the only one with money problems, and chances are that someone you know already has some experience with debt consolidation. This is a great way for you to find a company you can trust, so that you can avoid using a less than reputable company.

Now you know that debt can be controlled through debt consolidation. By using debt consolidation, it is possible to reduce your bills and get out of your debt for good. Use the information from this article to get your debt under control and to free your life from financial stress.

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Success In A Home Business

Many people are interested in learning how they can become their own boss. Most people aren’t sure where to start in their journey to start their own business. This article contains tips that can help you get started with your home business and start working for yourself, in no time at all.

Designate a room or an area of a room as your “office” for your home business. It can be a whole room or just a part of another room. Having your own office space will assure all of your business materials are in one spot, and it will help you to be more efficient.

Make sure your web page has the capability to host an e-store. Customers like the convenience of being able to purchase an item over the internet; sometimes it is refreshing to be able to quickly get what you need without interacting with anyone. You will also be able to sell your product to people who would not have a chance to order it otherwise.

Arrange to have a toll free 800 number associated with your home business. Taking this step allows you to keep your personal information private. If your business is successful, having an 800 number also leaves your home number free to take calls from your friends and family, who might have difficulty getting through otherwise.

Before you start your home business, it is very important to have a solid understanding of what you want to do, be able to visualize how you are going to do it, and know what resources you will need to make it happen. The answers to these should not just be in your head but also on paper. Write a business plan! It will not only clarify what you are getting into but also point out where you might be lacking.

Invest in a toll-free number for your home business. An 800 number makes your business look larger, established and professional to customers. It also gives you a way to separate business calls from personal calls so you can “turn off” your business at the end of the day and make time for family.

The name you select for your home business is critically important and will play a large role in determining whether your business succeeds or fails. Your business’s name must make sense and be easy for consumers to remember. When deciding on a business name it is also a good idea to find out if the domain name is available. Ideally, your domain name should be the same as your business name.

Manage your time and priorities to allow the main operations to be completed efficiently and properly. This may sound to be obvious, but there are many that fail to realize time and priority management as such an essential practice. Managing time and priorities ensures that you give your main operations the best focus and most efficient care possible.

Most people are interested in starting their own home business and becoming their own boss. However they are not quite sure, how or where they should start. After reading this article, you should have a better idea of how to get started with your own home business and becoming your own boss.

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Developing A Home Business With Simple Ideas

You need to have some knowledge of what to do and expect from a home business. You need to know what resources are available to you and who can provide you answers as to what you need for the future of your business. The tips below can help you start.

To keep your finances in order, acquire a unique checking account and credit card to use for your home business. Use them for every business transaction you have, and use them for business only. Keeping your business finances separate from your personal finances will make it much easier on you when tax-time rolls around.

A good way to start gathering information on how to be successful at a home-based business is to join an online forum or community discussion group. You can find many useful resources by doing a simple Google search. Blogs are another great resource when it comes to educating yourself about online businesses.

Ask the other members of your household to refrain from interrupting or otherwise compromising your work. Keep regular work hours so that they know what to expect. If you have kids, schedule work hours while they are occupied at school or extracurricular activities. Don’t leave work materials in common areas where they might be moved or damaged.

Since your home is also your work place, make a point to get out of the house on a regular basis. Don’t isolate yourself for the sake of convenience. Go have lunch in the park, grab your coffee at a bookstore, etc. Just make sure you are out breathing fresh air at least once a day.

As you begin your home business, make sure that you believe in the product or company that you are supporting. It is very difficult to try and sell a product that you would not want to own yourself. Similarly, if you do not believe in a company’s message or business practices, you will not work as hard for them.

Make sure you respond to any customer inquiries in a timely manner. Keep track of your messages to make sure every question gets answered. This will show customers you care about your business and they will come back to do business with you for their future purchases or business needs.

Keep everything as organized as possible to make it easier for you to keep your bills paid on time and your customers happy. Find a place with few distractions that you can dedicate to only your home business supplies. It will make the time that you spend working more efficient.

If you are planning to start a home-based business, try teaching music lessons. If you play a musical instrument, it’s an invaluable tool for making money. Good music teachers command good pay, you can use any room in your home and you will have no start-up costs. It’s the perfect way to use your talent to your advantage.

As you have seen in the above tips, there is a lot of knowledge, you can acquire before starting and maintaining a home business, and it is this knowledge that can help you with your future. Do everything you must to ensure the success of your home business for the future.

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MILLION DOLL*ARS or MORE?
That’s $1,000,000!

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I’m Gray Sebert. 20 months ago, I was
pretty much “Dead Broke” when I saw
this amazing business that was just in
it’s “BETA” launch. I didn’t know anything
about Net*work Mar*keting but decided to
give it a try.
Well, here it is 20 mon*ths later and I just
made $51,000 in Ju*ly and I’m on track for
even more this mon*th… THIS WORKS!
Grab your FR*EE Position, get your
FR*EE Sample and then get your
Seat Res*erved for this Thursd*ay’s
LIVE Worldwide Lau*nch Webinar!

First, get your SEAT RES*ERVED for our

DELTA 8 FORCE
GLOBAL LAU*NCH WEBINAR
Thursd*ay, at 7:45 pm Eastern and SATURDAY 12 pm afternoon
RESER*VED SEATING ONLY:

http://www.faithandwealthfinance.com

————————–
Next, get your …
FR*EE DELTA 8 FORCE SAMPLE:

http://pain-free-results.com


———————–
LAST… Get your……
FR*EE MEM*BERSHIP:
http://legacyincometeam.com

*Genusity makes NO claims to how much inc*ome an
individual can make! Any in*come is based on the time
and effort that an individual is willing to invest and even
then, there is no guarantee.

How To Use Payday Loans Without Getting Used

When a financial crisis occurs in your life, the stress can be unbearable. If you’re in a tough financial position, you probably need help! If you’re seriously considering payday loans, read below to learn more.

Make sure that you understand exactly what a payday loan is before taking one out. These loans are normally granted by companies that are not banks; they lend small sums of money and require very little paperwork. The loans are accessible to most people, although they typically need to be repaid within two weeks.

Payday loans are a good solution for people who are in desperate need of money. People just need to know as much as they can about their loan before they accept the loan and get the money. Payday loans charge extremely high interest rates and fees, which make it very difficult to pay all the money back.

The lender will have you sign a contract to protect them during the relationship. If the person taking out the loan declares bankruptcy, the payday loan debt won’t be discharged. This is why agreements and documents are signed prematurely, to avoid disputes that could go against the lender.

When determining if a payday loan is right for you, you should know that the amount most payday loans will let you borrow is not too much. Typically, the most money you can get from a payday loan is about $1,000. It could be even lower if your income is not too high.

Keep your personal safety in mind if you have to physically visit a payday lender. These places of business handle large sums of cash and are usually in economically impoverished areas of town. Try and only visit during daylight hours and park in highly visible spaces. Go in when other customers are also around.

There are some payday loan companies that are fair to their borrowers. Take the time to investigate the company that you want to take a loan out with before you sign anything. Many of these companies do not have your best interest in mind. You have to look out for yourself.

Find a lender who understands the situation that you are in, so it is easier to pay back. Some lenders are willing to extend your loans if you cannot pay them on the due date.

When dealing with a payday lender, keep in mind how tightly regulated they are. Interest rates are usually legally capped at varying level’s state by state. Know what responsibilities they have and what individual rights that you have as a consumer. Have the contact information for regulating government offices handy.

If you are going to take out a payday loan, do yourself the favor of shopping all the competitors. Review online deals to in-store loans, and look for a lender with great rates and better terms. This could result in big money savings.

This article should have given you an idea on what to do. Make sure that you know exactly what you’re doing before applying for that next payday loan.

This Could Be The HEALTH BREAKTHROUGH of the CENTURY!
DELTA 8 FORCE GUMMIES
&
GenSilver Organic Wild-Crafted
Irish Sea Moss

&
could be your SOLUTION to:
SLEEPLESSNESS, RLS, FIBROMYALGIA, STRESS
CANCER, HIGH BLOOD PRESSURE, DIABETES
OVERALL BAD HEALTH
and MORE!

Are you ready to make a
MILLION DOLL*ARS or MORE?
That’s $1,000,000!

Hi,

I’m Gray Sebert. 20 months ago, I was
pretty much “Dead Broke” when I saw
this amazing business that was just in
it’s “BETA” launch. I didn’t know anything
about Net*work Mar*keting but decided to
give it a try.
Well, here it is 20 mon*ths later and I just
made $51,000 in Ju*ly and I’m on track for
even more this mon*th… THIS WORKS!
Grab your FR*EE Position, get your
FR*EE Sample and then get your
Seat Res*erved for this Thursd*ay’s
LIVE Worldwide Lau*nch Webinar!

First, get your SEAT RES*ERVED for our

DELTA 8 FORCE
GLOBAL LAU*NCH WEBINAR
Thursd*ay, at 7:45 pm Eastern and SATURDAY 12 pm afternoon
RESER*VED SEATING ONLY:

http://www.faithandwealthfinance.com

————————–
Next, get your …
FR*EE DELTA 8 FORCE SAMPLE:

http://pain-free-results.com


———————–
LAST… Get your……
FR*EE MEM*BERSHIP:
http://legacyincometeam.com

*Genusity makes NO claims to how much inc*ome an
individual can make! Any in*come is based on the time
and effort that an individual is willing to invest and even
then, there is no guarantee.

How To Run Your Own Home Business

Do you remember when you first started out your home business? You researched as much information as possible and thought you were an expert in the business. It has now been quite some time since you did your research, and lots of things have changed during that time. It’s time to do your research again. The information here will help you recapture the excitement you felt when you began.

Make sure to put the name of your home business and the url to your website in the signature of every email that you send out. Also, do the same on any blogs or message boards that you actively post on. People who like what you have to say will be likely to click the link.

Trade your products with other home businesses. This increases the visibility of your product and your business. It also creates solid, long-lasting relationships with other individuals in similar situations. These connections could prove helpful in the future, so it is best to maintain as many as possible. If you are not sure where to begin, use the internet as a resource.

Find out what type of business interests you and suits your needs. Determine what your goals are and figure out what you are capable of handling. Do something you have an interest in. You will find it easier to succeed in a business you have a personal interest in or love for.

Maintain a steady, strict schedule for work. With set office hours, you will avoid working at all hours of the day and night. Sticking to your schedule will help you to stay on track and separate your home and work life. Your social life will still be intact at the end of the week this way.

Upon choosing a brand name, make sure that you snag a recognizable, straightforward domain name. A domain name lends your business credibility, and makes it easier to boost page ranks on top search engines. A domain name will also make it easier for your customers to remember your web address.

Seek out advice from a tax professional. They can help you find ways in which you may be able to reduce the amount of taxable business income at the end of the year. Paying a professional for an hour or two of consultation will pay off in the long run if it saves you money.

You should make it easy for customers to get in contact with you. Your business website should have an email link available on every single sub-page. This keeps communication front and center, and makes it look like you really take care to communicate with customers. It is a simple way to build trust with customers.

Finally, you need the same fire in your belly that you had for your home business when it began. It’s important to succeed, but you may have forgotten quite a lot of information that helped you get there. Let’s hope that this article provided you with lots of new and interesting information to use.

This Could Be The HEALTH BREAKTHROUGH of the CENTURY!
DELTA 8 FORCE GUMMIES
&
GenSilver Organic Wild-Crafted
Irish Sea Moss

&
could be your SOLUTION to:
SLEEPLESSNESS, RLS, FIBROMYALGIA, STRESS
CANCER, HIGH BLOOD PRESSURE, DIABETES
OVERALL BAD HEALTH
and MORE!

Are you ready to make a
MILLION DOLL*ARS or MORE?
That’s $1,000,000!

Hi,

I’m Gray Sebert. 20 months ago, I was
pretty much “Dead Broke” when I saw
this amazing business that was just in
it’s “BETA” launch. I didn’t know anything
about Net*work Mar*keting but decided to
give it a try.
Well, here it is 20 mon*ths later and I just
made $51,000 in Ju*ly and I’m on track for
even more this mon*th… THIS WORKS!
Grab your FR*EE Position, get your
FR*EE Sample and then get your
Seat Res*erved for this Thursd*ay’s
LIVE Worldwide Lau*nch Webinar!

First, get your SEAT RES*ERVED for our

DELTA 8 FORCE
GLOBAL LAU*NCH WEBINAR
Thursd*ay, at 7:45 pm Eastern and SATURDAY 12 pm afternoon
RESER*VED SEATING ONLY:

http://www.faithandwealthfinance.com

————————–
Next, get your …
FR*EE DELTA 8 FORCE SAMPLE:

http://pain-free-results.com


———————–
LAST… Get your……
FR*EE MEM*BERSHIP:
http://legacyincometeam.com

*Genusity makes NO claims to how much inc*ome an
individual can make! Any in*come is based on the time
and effort that an individual is willing to invest and even
then, there is no guarantee.