Before we make credit card application, the first thing we have to do is determining the right credit cards we need. It might sound simple, but actually it can be so complicated and it can be the source of poor financial condition. Therefore, make sure to learn about all the credit cards type from low apr credit cards to fixed rate credit cards. If we have learned the type of credit cards, then we will be able to determine which type suits our need the best.

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So what is the secret they deploy on a daily basis to create the wealth they have and continue to enjoy? Well one of the secrets of wealth creation is market or industry analysis. More specifically, they are on the hunt for emerging market trends.

Identifying these emerging market trends allows them to begin to position themselves to reap the benefits of income and wealth as that market trend gains in growth. You see, there is the well known statistical, graphical interpretation that goes well with this topic. That is the Growth or S Curve.

The Growth or S Curve is universally accepted as a chart of many topics such as mathematical, financial product and even biological. Take human life for instance, we are born. We learn to crawl, then walk, and each step of the way we are growing bigger and bigger. Then we become teenagers, then young adults, then adults, then we start to age. Become senior citizens and then we pass. That is the S curve or growth curve of human life. And to other biological organisms, it is the same pattern. It might not be with the time frame of decades as with humans, but the curve is the same.

You can use the Growth Curve in financial analysis as well. Take stocks for instance. You have heard the adage to buy low and sell high. Well that is the S curve of growth of that stock.

Now when it comes to market analysis, the growth curve remains in tact when looking at an emerging trend. What the wealthy know is that when they spot an emerging trend, they know for a fact that that trend will follow the growth curve. So they instinctively know that they have to position themselves at the beginning of that trend and wait for it to emerge to the public.

They know that when it becomes known to the public that this trend is growing, that is the sweet spot of creating wealth. This phase is the exponential growth phase of the growth or S curve and where wealth is created. This is what is about to happen with energy and energy deregulation. Energy deregulation is one of the trends that lies inside of the market of energy. And the wealthy have their eye on the energy market. Case in point is Warren Buffet and Bill Gates. Earlier this year, they both went to Canada to review the process of using oil shale to create oil which is used to make everything from gasoline to fertilizer to clothes. This is a way to tap into other sources of oil, energy.

At a CNBC Town Hall Meeting called “Keeping America Great”, where they both were panelist. Bill Gates was asked, what industry would produce the NEXT Bill Gates? His reply was….ENERGY.

In A Forbes Magazine interview, Warren Buffet was asked about energy deregulation. His response was that it would be the greatest transfer of wealth in out lifetimes. Sure it can! With a market capitalization of $500 Billion a year in the US alone, that is a fortune to transfer to anyone who has an entrepreneurial mind set and wants to capture and harness that emerging market trend

The answers to wealth-creation will not be found in a 9-5 job, in the class room of a college or ivy-league university, or even in the confines of this editorial. Supposing though, that: we could ‘tap’ our college professors for bright ideas, or happen upon a benevolent employer: willing to reveal his “trade secrets”. Suppose too, that this article did offer some clues to riches; how well would an action plan that might have reaped success for one group, necessarily work for others? The answer is: not well at all.

Everyone varies in their stages of education, competence and business acumen. In Robert T. Kiyosaki’s book: Cashflow Quadrant: Rich Dad’s Guide to Financial Freedom, (First Warner Books, 2000) he introduces readers to his 4 stages of financial freedom. “There are four stages in the quadrant.” Kiyosaki explains “These stages represent the: mind-set, career-level and state of readiness of the individual.

“The stages of the quadrant are: “employer”, “sales person”, “business owner”, “investor”; it is not likely that a person at the “employer” stage will jump straight to the “investor” stage (the stage of true financial freedom), without having first visited the “sales person” stage”.

Mr. Kiyosaki basically confirms why one person’s success strategy would be another person’s tragedy: not everyone is at the same rank of professionalism and confidence needed in order to create wealth. Congratulations to Mr. Kiyosaki on yet another masterpiece of his esteemed financial wisdom. Regrettably, however one goes through the entire book without pin-pointing Mr. Kiyosaki’s recommended suggestions for acquiring quick wealth; even his personal success story would have made the book that more interesting.

Some common traits I found in my research of self-made millionaires along with personal anecdotes are these:

1. They have arrived at a mind-set of intellectual and psychological readiness; they are ready to transform their skills, education and savings into riches. Arguably the Sage of Wealth-Creation, Robert Kiyosaki strongly suggests that one will not escape debt and taxes through employment: “It is not the boss’ responsibility to make an employee rich; it is up to the employee to smartly invest his pay, and make himself rich.” he says in the book. In another statement, “Ensure that the funds you use to pay bills and taxes are not your own,” he hints his endorsement of alternate income sources- residual incomes. Emma Simpson, a business correspondent for the BBC, recently blogged: “Earning some additional spending money used to be optional. However the present recession has now made it a necessity for thousands of Britons.”

2. Self-made millionaires have developed an understanding of how best to invest their funds. They study the market for themselves, opting not to depend on the opinions of the staff of money market houses who have perhaps never invested in any of the accounts they promote: mutual funds, stock and bonds, or high yield checking accounts.

3. They had a mentor- someone who already achieved what they wanted to achieve- who might have either coached them through the steps of: smart savings, small business start-ups, and entrepreneurship.

4. They might be encumbered for a time by full-time job roles, but the self-made millionaire is guaranteed to be investing his hard-earned salary in a financial instrument or business venture- to safeguard his post-retirement lifestyle.

Whereas it might seem obvious to some that everyone would some day want to be financially free, not all individuals are willing to take proactive steps towards this end. There are indeed a small cadre in the society who have fortunately found a pleasant working environment, made great friends with coworkers, and have found themselves in the care and protection of a very benevolent boss. I would say to those employees: “Stick with your day job! Happiness- by far- supersedes the search for riches.

Tip #1

If you have a lot of credit card debt, then it is affecting your credit rating in a negative way. One thing that credit card companies don’t tell you is that if you carry a balance on your cards and it is over 25% of your credit limit, then you are actually penalized on your credit rating, even if you pay your payments on time. So if you consolidate debts that include credit cards with high balances, then you are doing yourself a favor and helping your credit.

Tip #2

You can consolidate not only credit cards, but if you have a car or a personal loan, then when you consolidate those and pay them off you will improve your credit rating. The credit companies love to see that you paid off a car or a personal loan. It helps to boost your credit score quite a bit.

Tip #3

If you have enough debt that you are considering consolidating it, then it is obvious that you need to. The key is that if you consolidate your debt and payoff credit cards, then you need to stop using the credit cards and get rid of them. If you consolidate your debts and then you run your credit cards back up to their limits you are doing nothing to help yourself. You will end up in a worse situation, then you were in to begin with.

So if you are considering consolidating your debts keep in mind that debt consolidation will affect your credit rating and it can be in a positive way if you are responsible and smart with your debt consolidation
Article Source: http://EzineArticles.com/965240

This article is going to be rather lengthy, I want to state that right up front; I am going to address the most popular credit card debt relief programs on the market today. I feel it is necessary to address both the positive and negative aspects of each option. In addition I would like to go over another option a lot of people do not know about. This is debt resolution, a process very similar to debt settlement with the end results of saving money and time; however the negative aspects of debt settlement will be greatly diminished with debt resolution.

The first option is the most common and this is to do absolutely nothing. Which surprisingly is the exact thing most people do and may be what you have been doing up until now, before realizing you must take action to resolve the situation. Most people in debt and this could be including yourself are running on what is called the “credit treadmill”. The credit treadmill is a ruthless and endless cycle of monthly minimum payments and high interest.

This is perhaps one of the worst places to be financially. If you just pay your monthly minimum even if your interest rate is moderately low, you will be stuck in debt for over 38 years! During the course of the decades it takes to pay off this debt you will pay back over five times the original balance in interest alone! If your APR (interest rate) happens to be where millions of other people find theirs, up in the high twenties if not thirties, it will take much, much longer to get out of debt. And naturally you will be losing A LOT more money.

I don’t really feel I need to address the first option anymore. There are no positive aspects to being stuck in debt and doing nothing about it but paying minimum payments.

Once people are made fully aware of the situation they are in, and have come out of denial to the fact that they do indeed have a problem with credit card debt the first option many people look into is debt consolidation.

There are two ways about which debt consolidation can be achieved. There are debt consolidation loans, and then there is consumer credit counseling.

Let me first explain the option of getting a debt consolidation loan. A debt consolidation loan is a loan taken out to pay off the balances on your credit cards. The benefit from doing this is that there will be only one monthly payment made on the loan. Thus taking away the headache of juggling multiple payments to the various creditors. The second benefit is that the loan may come at a lower interest rate.

This is however in my opinion the riskiest of all the credit card debt relief options. Why? Because in the vast majority of cases the only possible way to obtain a debt consolidation loan is by using your home for security; essentially taking out a second mortgage to pay off your credit card debts! What you will be doing is transforming your low risk unsecured credit card debt into a high risk loan secured by your HOME!

The sad fact is that over 80% of people who end up in this situation and use the equity in their home to pay off their credit card debts find themselves within the same situation in less than five years.

The old cliché “no pain no gain” applies greatly to this method of debt relief. It is just too easy to use the money in your home, pay off your balances and get on with life. The problem is first you are not out of debt and second nobody ever does the right thing and cuts up their credit cards. It’s just too easy to get back into more credit card debt; you will have your little plastic cards with zero balances practically begging you to charge on them again.

Later in the future when you enter round two against credit card debt you will have not one but two secured financial obligations tied to your home that must take priority over your credit card bills. You also may have other secured financial obligations such as a car loans that must take priority over the new credit card bills as well. Except this time there will be no more equity in your home to get another loan. What happens to many people is they either must file bankruptcy, or risk foreclosure.

I cannot even begin to tell you how many times I have seen this happen over my years of working in this industry and it’s very sad. This is why I said in my opinion a debt consolidation loan is the riskiest and the worst option to use when trying to get out of debt.

This brings me to the next option which is very often confused with debt consolidation because it is quite similar. Consumer credit counseling shares many of the same benefits as a debt consolidation loan but without taking the risk of losing your home. A credit counseling agency will look to get your interest rates lowered, and they will have you make one monthly payment to them which they will disperse to the creditors for you; thus giving you the convenience of one monthly payment.

A reputable credit counseling service may very well be the best option for some debtors. However many of these programs will not be feasible. With a credit counseling program you are still paying back 100% of what you owe plus interest and there are service fees involved. Lots of people realize they will not be able to manage the payments on this type of a program, in some cases the payments may be even more than what you are putting out towards the monthly minimums.

Unfortunately consumer credit counseling programs have a very high failure rate, over 70%! The reason being if you miss more than one payment on this type of a program the creditors will kick you out of the program, thus revoking the benefits of one monthly payment and a low interest rate.

The reality is that for a lot of people credit counseling programs will just cost too much money. The program will take between 5-7 years; can you guarantee that over that time period you will not have any financial difficulties that will cause you to miss payments? Especially, if it is quite hard to budget the program in the first place.

Thankfully for those of us who don’t want to or can’t manage credit counseling there are other options available. Bringing us to debt settlement, this process has been helping millions of people get out of debt during this terrible recession. The benefits of debt settlement are different from any of the above options. With debt settlement you may find yourself saving up to half of what you currently owe, and by that I mean the actual balance owed, this has nothing to do with interest rates. In addition you can realistically expect to get out of debt in three years or less; this is a far cry from over three decades running on the credit treadmill.

Saving a lot of time and money while getting out of debt may sound great, and while these are very nice benefits debt settlement also comes with its respective drawbacks.

The problems associated with debt settlement are due to the fact that you must fall behind on your debts in order for the creditors to be willing to negotiate a settlement. There are no creditors in the world that will negotiate on current debt and why would they? If you are current and are paying them their monthly minimum payments with high interest why in the world would they negotiate, they have your precisely where they want you; running on the credit treadmill.

Naturally if you are current with your payments this will have an adverse affect on your credit score. And sadly a lot of people will allow that reason alone to keep them from debt settlement, thus keeping them stuck on that treadmill. For those who are already behind then this is somewhat of a moot point, the damage done to the credit has already taken place.

Another negative effect of falling behind is dealing with collections calls, some debt settlement companies claim they can get the calls stopped, but many lie about that because by law no debt settlement company can stop calls.

When falling behind there is the chance that the creditors can issue a lawsuit. Now from my experience in this industry I can confidently tell you this is not the mainstay for the creditors. It simply costs them too much money and time to bring everyone who falls behind to court, with no guarantee of collecting any money. However, lawsuits are still a possibility and I feel that it is necessary for people to understand this before using debt settlement.

So with debt settlement the benefits are clearly the best, but they do come with their own negatives mentioned above.

This now brings us to another method of credit card debt relief. Like debt settlement, it is designed for people who have become heavily indebted and need to save money in order to get out of debt quickly. This process is known as debt resolution.

Debt resolution is very similar in structure to debt settlement, debt resolution is basically debt settlement handled through the hands of a law firm. According to recent law suits, a law firm does not offer the client any more protection under the law from the negative aspects of the debt settlement process than a debt settlement company can. In fact you will achieve the same end results of saving time and money like debt settlement, however many law firms will charge you upfront legal fees and retainers, on top of their settlement fees.

According to the Illinois Attorney General, there is no difference in the process between debt resolution and your standard debt settlement company so there is no reason they should be violating the recent rulings that state that a company offering debt settlement should not charge any of its fees before a settlement has been negotiated. Quite simply, you are not given any more protection or services for the extra money you are paying them

Another big Misconception is that there is that resolution has an advantage over your typical settlement company in how a law suit can be addressed. What these law firms do not tell you is that they will not represent you in court and many will not even assist you with answering the summons. You hired them to simply negotiate your debt and that’s it. What most debt settlement companies will do is contact that creditor and attempt to work out a settlement with them so that they will drop the law suit. This does not require an attorney to accomplish.

Using debt resolution through a law firm does not give you more protection. Anyone can legally contact and negotiate a settlement even after a law suit has been issued; thus keeping the client from ever going to court and from possibly getting a judgment. The reality is the collectors know when they are suing that they will not recoup the whole debt and are very keen on settling. It is much easier for them to deal with a reputable company that complies with the regulations, where they know they will be getting money back. This is a HUGE advantage of going with a company that does not charge its fees in advance.

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