“Happy Thanksgiving !”

November 27, 2009

“Happy Thanksgiving !” Lessons in debt, credit and homeownership is on hold until all leftovers are eaten, and everyone is back on track with ‘catch up’ from being on holiday.  If you have time, please visit our other blogs, each with a different lesson:

http://MoneySavingTips.PolkVoice.com    http://FinancialEducationAndOptions.blogspot.com

http://WomanToWomanMagazine.ning.com  and http://SpectrumResources.wordpress.com

And to raise your credit scores in 75 Days visit: http://CreditJusticeServices.com/?ccc=1242

And to prevent foreclosure call ( 863 ) 9 76 -0660

Please put this site in your favorites and come back often………………..

“PHISHING – NOT A Sport You Want To Take Up !” Lessons In Debt, Credit And Home Ownership

November 23, 2009

 PHISHING – NOT a sport you want to take up, it will cost you time and money, don’t confuse it with FISHING, a sport that does bring rewards of pleasure. Now you are asking, “ What is phishing ?” The strange name sounds a lot like the all American sport ‘fishing’, something you do in a lake or stream with a pole. That’s because it’s a similar process: phishers apply bait and wait for a bite. They want you to be the fish.

There are several ways the crooks bait you while they are phishing. I have written a similar article on this subject matter on http://MoneySavingTips.PolkVoice.com if you desire more on the topic.  I have shared with my readers previously how online ads BAIT =FREE offer and all you have to pay is the $1.95 shipping and handling = HOOK !  The website:  FREE CREDIT REPORT.com has consumers bombarding the FTC with complaints because it is misleading to the general public.

These unexpected payments or charges with online wallet services like Paypal is another. When it comes to your money, especially, you can’t be too skeptical, here is how to identify whether there’s a scammer on the other end of that login form. Look at the URL – This may get a little techy, but it’s something any internet user should learn.

 The URL (Uniform Resource Locator), which is the web page’s full address, is a telling hint toward whether you’re being scammed. Your location bar is usually up at the top of the window you use for web browsing. The text inside starts with http:// or https://. The part that comes immediately after that is the host name, like /wired.com/. Sometimes, instead it has extra words up front, like /howto.wired.com/. That’s called a sub-domain.

 Whoever owns the main .com (or .net, .org, etc.) can make as many sub-domains as they want. Scammers use a simple trick to include your bank’s name in front of their own web site name. For example, your bank’s website is yourtrustedbank.com.

A scammer might use yourtrustedbank.securebank.com, which looks pretty good. But remember, your bank can own anything ending in yourtrustedbank.com. But whoever owns securebank.com (the scammer in this case) can put anything in front of securebank.com, including the name of your bank. Using the URL to identify the scam means you have to understand the difference between securebank.yourtrustedbank.com and yourbank.securetrustedbank.com. If they look the same to you, know that makes you extra vulnerable.

Just when you thought it couldn’t get worse: often the scammers get really devious and use yourtrustedbank.com.securebank.com. The URL begins with your bank’s complete web site name, but it’s still a scam! S

Spectrum Resources counsels in debt, credit and home ownership and offers education and options. Call (863) 967-0660 email: SpectrumResources@tampabay.rr.com

Please visit all our blogs: http://MoneySavingsTips.PolkVoice.com and http://SpectrumResources.wordpress.com  and http://WomanToWomanMagazine.ning.com http://FinancialEducationAndOptions.com 

To raise your credit scores in 75 days –Guaranteed ! visit: http://CreditJusticeServices.com/?ccc=1242

“Moving Forward With The Rhythm Of Life” Lessons In Debt, Credit And Home Ownership

November 11, 2009

get-past-blockWe feel the season’s air change, we see fashion and merchandise trends come and go.  Throughout history, politicians have basically sung the same song, and made the same promises, and manipulated the public as they always have.  But somehow we don’t connect any of the rhythms of life throughout history to our own personal life.   We can’t control others, nor change what will appear in the history books, but we can be aware of the cycles in our personal life, if we stop and reflect.  We can take charge and prepare for what others in the world have set on the stage for us. 

 Many philosophies and religions recognize the importance of seven year cycles. This seven year cycle appears to represent a natural rhythm in human lives. When we move in tune with our natural rhythms we feel good and tend to progress. When we oppose our nature, it appears that in some fashion we come to a stop. Now is the time to look closely at the patterns in our past to see what we have done correctly, and what now appears to have been mistakes, actions, and thinking that went against the flow of the world. CHANGE always starts with thinking – think about it !

 New York Times excerpt from the article “Broader Measure of Unemployment Stands at 17.5%” by  David  Leonhardt explains:   For all the pain caused by the Great Recession, the job market still was not in as bad shape as it had been during the depths of the early 1980s recession — until now.

 The broadest measure of unemployment and underemployment tracked by the Labor Department has reached its highest level in decades. If statistics went back so far, the measure would almost certainly be at its highest level since the Great Depression.  In all, more than one out of every six workers — 17.5 percent — were unemployed or underemployed in October. The previous recorded high was 17.1 percent, in December 1982.

 Nothing is carved in stone, except on a tombstone, and since you are still breathing, you are able to move from this point forward.  The unemployment rate is 17.5 percent, but those maybe people who have not evaluated their self worth properly. They maybe people who don’t understand that every human has worth and brings value to the table to benefit others.  It is a matter of recognizing that value and promoting it in the mainstream of life amongst people who will appreciate what you have to offer.

 Debt, credit and home ownership challenges are met with solutions when people realize all matters connected to money come back to priorities.  Each individual’s self worth determines, not only the path taken in all cycles of life, also determining the quality in which it is traveled.    

 Spectrum Resources Call (863)967-0660  or Email: SpectrumResources@tampabay.rr.com

visit: http://MoneySavingTips.PolkVoice.com  &  http://SpectrumResources.wordpress.com

http://FinancialEducationAndOption.blogspot.com & http://WomanToWomanMagazine.ning.com

Raise your credit score in 75 Days Guaranteed visit: http://CreditJusticeServices.com/?ccc=1242

Facing foreclosure to get more time and more options visit: www.OneCaboodle.com

“HOW TO Turn Credit Lemons Into Sweet Lemon-aide” Lessons In Debt, Credit And Home Ownership

October 10, 2009

PuzzlePieceYou would have to agree, lemons and credit both normally leave a sour taste in your mouth.  Lemon-aide on the other hand is refreshing, and credit can be just as sweet if used in the right way.  The whole key is making credit work for you is again like making lemon-aide, it knowing the recipe, or rather the right ingredients as offered below !  

You have probably wondered yourself what elements make up the credit score ?  What actions bring negative reactions to the credit score ?  And how to dispute the inaccurate information placed in your credit history effectively to raise your score ?  The answers to these questions and more come from education of that particular segment of money management. You can learn for your personal use or to help others by visiting http://CreditJusticeServices.com/?ccc=1242 .

You will be visiting a gourmet shopping area that offers you ingredients that will allow you to raise your own personal credit score, or become a certified credit counselor and help others take the bitterness out of their credit history. 

Eight out of ten credit reports ( 79%) have errors that are severe enough that credit is denied, yet creditors use this information to determine if we are a risk before extending credit. Credit Justice Services ranks number four in the nation as a leader in the industry and one of the founders of NARCO = National Association of Credit Repair Organizations. It strives on excellence of service and standards in alignment with our Federal governing laws.  Education is essential to bring about change in the industry, and in personal habits as a consumer.  You can make a difference in your own household as a client in the 75 Day Credit Makeover Program , or help others turn their lemons into lemon-aide with knowledge and skills as a Certified Credit Counselor.    

Right now America is in an economic crises, the credit score determines the cost, and availability of about everything we need and do, including jobs. Professionally trained and knowledgeable consumers are essential to a positive change. Learn to save or learn to earn, take the lemons in your credit life and turn them into lemon-aide and enjoy the sweet taste of success.


 Contact Spectrum Resources (863) 967-0660 or SpectrumResources@tampabay.rr.com

For over seven years, Spectrum Resources has provided personal counseling in debt, credit and home ownership issues with the mission to help people learn how to live inside their income.   Spectrum Resources welcomes your tips, ideas, and opinions.

  Please visit all of our blogs, each one with a different lesson:

http://SpectrumResources.wordpress.com     and

http://MoneySavingTips.PolkVoice.com    and


 and our newest blog: http://WomanToWomanMagazine.ning.com

“Knowing Your Options” Lessons In Debt, Credit And Home Ownership

September 20, 2009

piece of puzzleThe song says, ‘knowing when to hold ‘em and when to fold ‘em’ is all about understanding your options. You are aware that you do not have to pay someone to help you dispute items you see as inaccurate in your credit history. But are you aware of all the options that are involved in the process of raising your credit score ?

You maybe considering purchasing a home, a car, or some other large item and wisely decided to start the purchasing process now by cleaning up your credit. You know  you will save thousands of dollars over the life of the loan by simply raising your credit score. However, you now have your triad credit report before you and faced with the reality of WHERE to start first ?

Your challenge is to raise your credit score using the most effective and efficient methods. One option Spectrum Resources offers our clients is found at http://CreditJusticeServices.com/?ccc=1242 . Credit Justice Services is one of the nation’s top credit repair companies and it guarantees your score to be raised in their ’75 Day Credit Makeover Program’.   You working directly with a paralegal and trained certified credit counselors is one option. Even though it would be hard for you to acquire the knowledge and skills of a professional who works in the credit industry daily, the other option is you acquiring the education necessary to raise your score on your own. There is ample info on the internet.

The most important rule is NEVER tell a collection agency you are preparing to make a large purchase if you have hopes of negotiating a lower pay off amount.  They will leverage that information against you and become inflexible on settling the amount due for a lesser amount, leaving you with the impression you have no choice but to pay the full amount. Seek the advise of an attorney who specializes in these matters or seek further education in negotiating.

Know the fact that third party collection agencies pay only pennies on the dollar to purchase your debt outright from the original creditor. You should be able to settle for less than 50%, learn the process.

 There is a myth that paying off any collection accounts will lower your FICO score. The fact is paying off the RIGHT collection accounts raise scores. Knowing WHICH is the right one is the key. Another myth is that people think that once an account is paid off the negative history is gone from their history. When in fact, you have activated that account to remain on your history for another seven years.  It pays to know, invest in learning. 

Spectrum Resources has been providing education and resources for over seven years in debt, credit and home ownership matters. A trained credit counselor and/or one of our preferred resources can help you with credit repair, credit card modification or negotiation. You always have options.

Call (863) 967-0660 Email: SpectrumResources@tampabay.rr.com

Please leave your comments and questions.  Visit our sister blogs: http://FinancialEducationAndOPtions.blogspot.com    and http://MoneySavingTips.PolkVoice.com   and http://WomanToWomanMagazine.ning.com

Your tax exempt donation to our educational fund is always appreciated, please mail to: SRDC 2104 Brentwood Dr. Auburndale, FL. 33823

“It’s A Personal Thing” Lessons In Debt, Credit And Home Ownership

September 12, 2009


Pile of billsYou hear on the evening news what Wall Street has achieved or not achieved during the day.  You have personal financial advisors who have contacted you regarding your personal insurance and investments. You sit at the computer with your online money manager and wonder why you aren’t reaching your financial goals when you appear to be doing all the right things.   

This lesson is a focus on the portion you are in control of,  it’s about your personal daily habits. When was the last time you sewed on a button instead of throwing a perfectly good blouse or shirt into the rag box ?   The last time, you repaired a piece of furniture, or toy, or tool instead of setting it out to the curb for the trash pickup ?  Americans have become a society of ‘throw-a-ways’.  There are probably small countries that could survive on the food, clothing and household goods that Americans throw away. 

 You CAN take individual responsibility for our own financial stability.  Saving money is taking positive actions daily, and maximizing what you already have.  By being creative, and looking for ways to save money you can move forward.  Making the effort to learn what others are doing, and how you can do it. You can grow stronger as a money manager.  What you do on a daily schedule makes a big difference in achieving both your long term goals and preparing for the unexpected.    

 Start holding family board meeting to establish your in-house goals.  Assign different members to task such as researching money saving ideas that apply to your household environment and lifestyle.  Set individual goals and family goals for both short and long term which could be monthly or even quarterly, with your ultimate goal a year out.   Give recognition and rewards for achievements.   You know there is no financial planner who will  walk you through your daily activities advising you on every decision.   This portion of your financial responsibility can only be handled by you.

 Spectrum Resources provides counseling in daily money management, providing education, resources and options to those seeking financial self sufficiency.  Debt, credit and home ownership issues always comes back to you setting priorities that make a positive difference in your life.  Only you can make the decisions which truly make a difference.    

 Please leave your comments and questions, your input is important to us.                            Call ( 863) 967-0660 or email: SpectrumResources@tampabay.rr.com  and visit our sister blogs: http://MoneySavingTips.PolkVoice.com and a new one http://WomanToWomanMagazine.ning.com  and http://FinancialEducationAndOptions.blogspot.com  Spectrum Resources appreciates your support, write your comments and questions

“Who Would’ve Ever Thought Of That ?”

August 23, 2009

Road to freedom pic                       You are probably like many people who just want to have a good time and enjoy life as much as possible. To get the most out of life for the least amount of money and effort we have to become skilled.  We must sharpen our skills to look for savings, freebies, and tips that will make our journey a pleasurable one.  

 Who would ever thought, despite their ads as being ‘Priceless”  that a credit card company would bring joy to a consumer. Check out the savings offered through all Bank of America ATM, debit and credit cards.   FREE weekend admissions to more than 100 museums and science centers in 26 states and the District of Columbia participate in the “Museums on Us” program on the first full weekend of every month.   Cardholders get free general admission but must pay for special exhibits and ticketed shows.  Look for the list to find the nearest to you at http://museums.bankofamerica.com

 You have probably developed a sharp eye for savings, shortcuts, and planning tips without even realizing it.   You may have learned it is the little things that make a difference, discovered quickly if your passport gets lost or stolen. Using the tip about backing up your passport could be a stress saver.  Our suggestion is to have your local copy shop make a laminated credit card-size black and white version of the photo page of your passport.  That way, if you lose your regular passport you still will have all of your information until you can get a replacement. 

 When traveling, be prepared for the unexpected, and the worse scenario ! Before you leave home write down to carry with you at all times the American consul ant’s phone  number for easy access.

 Another point we wouldn’t ordinarily think of is giving as much thought to coming home as we do leaving. When traveling some countries, especially in the Caribbean and Central America, charge tourist taxes to depart the country – and some accept ONLY cash in LOCAL currency. Check: http://travel.state.gov/travel  

 Being prepared is the key to being a ‘seasoned happy traveler’ and accumulating many new memories.  Being prepared also saves money, sometimes a great deal of money!    Come back often to learn of more ways to live within your income.    

 Spectrum Resource’s mission is to provide counseling in debt, credit and home ownership issues to assist you in becoming financial self-sufficient.  We provide education, resources and options that make a difference in a positive way ! Call 863-967-0660 or email at SpectrumResources@tampabay.rr.com and visit: http://MoneySavingTips.PolkVoice.com  also visit

http://SpectrumResources.wordpress.com and last by not least,

http://FinancialEducationAndOptions.blogspot.com for continual learning.