Getting Out of Debt - A 5 Step Strategy
As promised in my review of The Millionaire Maker, here's a look at Loral's 5 Step Strategy for Getting Out of Debt:
Step 1. Create a Debt Elimination Box
Gather up all your debt statements (credit cards, charge accounts, high-interest loans that are not against an asset, and any other outstanding credit or liabilities). For each debt make a list with the following information:
1. Name of the creditor
2. Amount owed
3. Minimum monthly payment
4. Interest rate
Step 2. Calculate the Factoring Number
Simply divide the amount owed by the minimum monthly payment to get the factoring number. So, if you owed $3,000 on a credit card and your monthly payment was $120, your factor for that card would be 25 (3,000/120). Do this calculation for each of your debts.
Step 3. Create a Priority Payoff Box
Arrange your debts in order of their factoring number from smallest to biggest. The debt at the top is your first priority.
Step 4. The Jump-Start Allocation
Loral suggests that you find $200 extra per month (in addition to your current minimum payments) to use to pay off debts. For some people this is easier said than done. However, even if it means giving up cable TV and your cell phone, your number one priority should be to get out of debt. You can always get cable TV and your cell phone back after you are debt free.
Step 5. Debt Payments
Add the extra $200 to the minimum payment of the first debt listed in your priority list. Then, once that card is paid off, apply that minimum payment PLUS the $200 to the next card and get it paid off. Keep this up until all your debts are paid off.
There you have it. It seems very similar to Dave Ramsey's "snowball" plan.
Be sure and check out my main blog, AllThingsFinancial.
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According to an article on SmartMoney.com, student loan interest rates may see increases of 1.5% to 2% this summer. According to the article, this will be the first increase in five years. So, if you need to consolidate your loans, you might want to do ... Read
TURN $6 INTO $15,000 IN ONLY 30 DAYS...HERES HOW!
PAYPAL VERIFIES THAT THIS $6 INVESTMENT SCHEME IS 100% LEGAL AND IS A BIG HIT
THIS YEAR SEE THEIR NOTE BELOW OR ASK THEM DIRECTLY... THIS SCHEME MIGHT TAKE
15-30 MINUTES AND JUST $6, BUT IT IS 100% WORTH IT TO MAKE THOUSANDS SO QUICKLY.
THIS IS NOT ANOTHER SCAM THAT
TAKES LOTS OF YOUR HARD EARNED MONEY; THIS IS A NO RISK INVESTMENT THAT WILL
MAKE YOU THOUSANDS OF DOLLARS VERY EASILY AND QUICKLY.
From PayPal:
"Dear Member, it has come to our attention that there
is a paypal scheme floating around at the moment you
may have heard or seen the $6 scheme. You may have
even taken part in it well we have been asked a lot of
questions about this scheme the answer is yes it does
work and yes it is safe to use providing you follow the
rules it is legal and has made a big hit on the internet
this year. If you would like to take part in this scheme
or would like a bit more information then please see the
attached file that was kindlydonated to us. Thank you for
using PayPal!"
TURN $6 INTO $15,000 IN ONLY 30 DAYS...HERES HOW!
You have most likely seen or heard about this project
on TV programs such as 20/20 and Oprah, or you may
have read about it in the Wall Street Journal. If not,
here it is below - revealed to you in step-by-step
detail. This program is by no means new. It has been
in existence in many forms for at leasta decade. But
in the early days, it required a lot more time and
effort, as well as an investment of a few hundred
dollars. However,thanks to PayPal and the Internet,
the investment is now virtually ZERO! And what's more,
the entire process is FASTER, EASIER, and MORE
LUCRATIVE than it has EVER been! Below is the email
sent to me:
How to Turn $6 into $15,000 in 30 Days with PayPal
I WAS SHOCKED WHEN I SAW HOW MUCH MONEY CAME FLOODING INTO MY PAYPAL ACCOUNT I
turned $6 into $14,706 within the first 30 days of operating the business plan
thatI am about to reveal to you free of charge. If you decide to take action on
the following instructions, I will GUARANTEE that you will enjoy a similar
return! STILL NEED PROOF? Here are just 3 testimonials from the countless
individuals who decided to invest nothing more than $6 and half an hour of their
time to participate in this program:
"What an amazing plan! I followed your instructions
just 3 weeks ago, and although I haven't made 15 grand
yet, I'm already up to $9,135. I'm absolutely gob
smacked." -Pam Whittemore , Ohio
"Well, what can I say?... THANK YOU SO MUCH! I sent 40
e-mail's out like you said and then I just forgot about the whole thing. To be
honest, I didn't really think anything would come of it. But when I checked my
paypal account a week later, there was over $5,000 in it! After 30 days I now
have over $11,000 to spend! I can't thank you enough!"-Juan Tovar, NY,NY
"I was shocked when I saw how much money came
flooding into my paypal account. Within 3 weeks my
account balance has ballooned to $12,449. At first I
thought there had been some sort of error with my
account!" -Richard Barrie , Boulder,CO
The only things you will need are: An email address. A
Business PayPal account with at least $6 deposited in
it, and just 15 to 30 minutes of your time. This
program takes just half an hour to set up. After that,
there is absolutely no work whatsoever to do on your
part. You have absolutely NOTHING to lose, and there
is NO LIMIT to the amount of income you can generate
from this one single business program.
Let's get started, just follow the instructionsexactly
as set out below and then prepare yourself for a HUGE
influx of cash over the next 30 days! Here's what you
need to do. . .
REQUIREMENTS
#1) an email address
#2) a Premier or Business PayPal account
STEP #1 - Setting up your FREE PayPal Account
It's extremely safe and very easy to set up a FREE
PayPal account! Copy and paste this to the address bar
https://www.paypal.com (notice the secure "https" within the link)
Be sure to sign up for a free PREMIER or BUSINESS
account (and not just a PERSONAL account) otherwise
you won't be able to receive credit card payments from
other people.
STEP #2 - Sending PayPal money "It is an undeniable
law of the universe that we must first give in order to receive."
Now all you have to do is send $1.00 by way of PayPal
to each of the six email addresses listed below.
Make sure the subject of the payment says... *PLEASE
PUT ME ON YOUR EMAIL LIST* (this keeps the program
100% legal.. so please don't forget!)
Note: (If you do not see the full email address for the 6 members, just hit
reply To this email and they will show up.)
(Just in case you still haven't opened your PayPal
account yet, use this link to open one in your name),
https://www.paypal.com
#1) darkboy50@hotmail.com
#2) btob30@hotmail.com
#3) jjohnson2854@yahoo.com
#4) Evolution3020@aol.com
#5) climhazzard88@hotmail.com
#6 spaz@neb.rr.com
Remember, all of this is ABSOLUTELY LEGAL! You are
creating a service!
If you have any doubts, please refer to Title 18 Sec.
1302 & 1241 of the United States Postal laws.
STEP #3 - Adding Your Email Address
After you send your six $1.00 payments, it's your turn to add your email address
to the list!
Take the #1) email off the list that you see above, move the other addresses up
one (6 becomes 5 & 5 becomes 4, etc) then put YOUR email address (the one
used in your PayPal account) as #6) on the list.
**MAKE SURE THE EMAIL YOU SUPPLY IS EXACTLY AS
ITAPPEARS IN YOUR PAYPAL ACCOUNT.**
STEP #4 - The Pure Joy of Receiving PayPal Money!
You are now ready to post your copy of this message,
to at least 200 newsgroups, message boards, etc. (I
think there are close to 32,000 groups)
All you need is 200, but remember, the more you post,
the more money you make - as well as everyone else on
the list! In this situation your job is to let as many
people see this letter as possible. So they will make
you and me rich!!!! You can even start posting the
moment your email is confirmed. Payments will still appear in your PayPal
account even while your bank account is being confirmed.
HOW TO POST TO NEWSGROUPS & MESSAGE BOARDS
Step #1) You do not need to re-type this entire letter
to do your own posting. Simply put your CURSOR at the
beginning of this letter and drag your CURSOR to the
bottom of this document, and select 'copy' from the
edit menu. This will copy the entire letter into your
computer's temporary memory.
Step #2) Open a blank 'Notepad' file and place your
cursor at the top of the blank page. From the 'Edit'
menu select 'Paste'. This will paste a copy of the
letter into notepad so that you can add your email to
the list.
Step #3) Save your new Notepad file as a .txt file. If
you want to do your postings in different sittings,
you'll always have this file to go back to.
Step #4) Use Netscape or Internet Explorer and try
searching for various newsgroups, on-line forums,
message boards, bulletin boards, chat sites,
discussions, discussion groups, online communities,
etc. EXAMPLE: go to any search engine like yahoo.com,
, altavista.com, excite.com - then search
with subjectslike ?millionaire message board? or
?money making message board? or
?opportunity message board? or ?money making
discussions? or ?business bulletin board? or ?money
making forum? etc. You will find thousands &
thousands of message boards. Click them one by one
then you will find the option to post a new message.
Step #5) Visit these message boards and post this
article as a new message by highlighting the text of
this letter and selecting 'Paste' from the 'Edit'
menu. Fill in the Subject, this will be the header
that everyone sees as they scroll thru the list of
postings in a particular group, click the post message
button. You're done with your first one!
Congratulations! THAT'S IT!! All you have to do is
jump to different newsgroups and post away. After you
get the hang of it, it will take about 30 seconds for
each newsgroup!
REMEMBER, THE MORE NEWSGROUPS AND/OR MESSAGE BOARDS YOU POST IN, THE MORE MONEY
YOU WILL MAKE!! BUT YOU HAVE TO POST A MINIMUM OF 200**
That's it! You will begin receiving money within days!
**JUST MAKE SURE THE EMAIL YOU SUPPLY IS EXACTLY AS IT APPEARS ON PAYPAL.**
$$$$$ NOW THE WHY PART: Out of 200 postings, say I
receive only 5 replies (a very low example). So then I
Made $5.00 with my email at #6 on the letter. Now,
each of the 5 persons who just sent me $1.00 make
the MINIMUM 200 postings, each with my email at #5 and
only 5 persons respond to each of the original 5, that
is another $25.00 for me, now those 25 each make 200
MINIMUM posts with my email at #4 and only 5
replies each, I will bring in an additional $125.00!
Now, those 125 persons turn around and post the
MINIMUM 200 with my email at #3 and only receive 5
replies each, I will make an additional $625.00! OK,
now here is the fun part, each of those 625 persons post a
MINIMUM 200 letters with my email at #2 and they only
receive 5 replies that just made me $3,125.00!!! Those
3,125 persons will all deliver this message to 200
newsgroups with my email at #1 and if still 5 persons
per 200 newsgroups react I will receive $15,625.00!
With an original investment of only $6.00! AMAZING!!
When your email is no longer on the list, you just take
latest posting in the newsgroups, and send out another
$6.00 to emails on the list, putting your email at number 6
again. And start posting again.
The thing to remember is, thousands of people all over
the world are joining the internet and reading these
articles everyday, JUST LIKE YOU are now!!
So can you afford $6?? And see if it really works?? I
think so? People have said,what if the plan is played
out and no onesends you the money? So what are the
chances of that happening when there are tons of new
honest users and new honest people who are joining the
internet and newsgroups everyday and are willing to
give it a try? Estimates are at 20,000 to 50,000 new
users,every day, with thousands of those joining the
actual Internet.
Remember, play FAIRLY and HONESTLY and this will work. This really isn't another
one of those crazy scams! As
long as people follow through with sending out $6.00,
it works!
With warm wishes, bless you and your loved ones,
https://www.paypal.com
$$$$$ REMEMBER, IT IS 100% LEGAL! DON'T PASS THIS UP!
First, I chose not to pursue rampant casual sex in a compulsive grab to assuage my manic episodes. Instead, I burrowed in my apartment and jerked off like a fiend.
First, I chose not to pursue rampant casual sex in a compulsive grab to assuage my manic episodes. Instead, I burrowed in my apartment and jerked off like a fiend.
Yesterday, I promised to tell you about what happened when Dangly got home from work.
"So you've never written any copy for catalogs or emails or web?" he asks.
"So you've never written any copy for catalogs or emails or web?" he asks.
"So you've never written any copy for catalogs or emails or web?" he asks.
"So you've never written any copy for catalogs or emails or web?" he asks.
"So you've never written any copy for catalogs or emails or web?" he asks.
The highlight for me was the suit worn by the first dog in space which was inside the cabinet. It looked very comical but was in fact genuine and not just a corset with a plastic snout stuck on top.
As soon as we get a chance to play with it Ill be back with my own report. Yay!
As soon as we get a chance to play with it Ill be back with my own report. Yay!
Im sure all of this must mean something.
Im sure all of this must mean something.
(Enjoyable not just for the tea, of course)
(Enjoyable not just for the tea, of course)
i couldn't wait for him to put on some mood muzak.
Well, I thought Id pass this on just in case Im beginning to seem unfairly biased against the lying, deceitful
Well, I thought Id pass this on just in case Im beginning to seem unfairly biased against the lying, deceitful
My highbrow argument goes something like "Because of Joy King and Steve Orenstein, silly!"
My highbrow argument goes something like "Because of Joy King and Steve Orenstein, silly!"
My highbrow argument goes something like "Because of Joy King and Steve Orenstein, silly!"
Does anyone else think its a bad sign that he himself wants to be known as IDS?
Does anyone else think its a bad sign that he himself wants to be known as IDS?
Does anyone else think its a bad sign that he himself wants to be known as IDS?
I wonder what the society for the advancement of formal structures would make of this siteabout natural language parsing?
I wonder what the society for the advancement of formal structures would make of this siteabout natural language parsing?
I wonder what the society for the advancement of formal structures would make of this siteabout natural language parsing?
I wonder what the society for the advancement of formal structures would make of this siteabout natural language parsing?
I wonder what the society for the advancement of formal structures would make of this siteabout natural language parsing?
he read the heart is deceitful above all things, a book i shoved into his hands at the onset of the trip.
he read the heart is deceitful above all things, a book i shoved into his hands at the onset of the trip.
Waxworm Redemption (or should that be Salvation?)
"Jesus fucking ass," he says, and picks up the receiver. "Charges' office, would you mind calling back please? I'm teaching her how to answer her own phone." He hangs up.
"Jesus fucking ass," he says, and picks up the receiver. "Charges' office, would you mind calling back please? I'm teaching her how to answer her own phone." He hangs up.
"Jesus fucking ass," he says, and picks up the receiver. "Charges' office, would you mind calling back please? I'm teaching her how to answer her own phone." He hangs up.
"Jesus fucking ass," he says, and picks up the receiver. "Charges' office, would you mind calling back please? I'm teaching her how to answer her own phone." He hangs up.
"Jesus fucking ass," he says, and picks up the receiver. "Charges' office, would you mind calling back please? I'm teaching her how to answer her own phone." He hangs up.
(number of panels up to you) Up to three pieces per artist.
You can read Kurt Cobains journals here
I enjoyed this even though I dont agree with everything it says.
I did, but I fucked it up, and my sister Gideon was too busy to fix it. I don't know anything about HTML.
Fear, loathing, and perfunctory seduction
Fear, loathing, and perfunctory seduction
Robert Elms had a piece about secondary transfer in Time Out last week but I cant point you directly to it as you have to pay to get it online.
Robert Elms had a piece about secondary transfer in Time Out last week but I cant point you directly to it as you have to pay to get it online.
Robert Elms had a piece about secondary transfer in Time Out last week but I cant point you directly to it as you have to pay to get it online.
If I had been wearing one on the morning we checked out of our hotel room, Matt and I wouldn't have had to make that incredibly painful trip to the emergency medical clinic on Memorial Day.
It was really nice to see Robbie and cycle round the pubs of Oxford with him. He needs to find some mates, though, and some artistic inspiration. Any friendly humans in Oxford?
It was really nice to see Robbie and cycle round the pubs of Oxford with him. He needs to find some mates, though, and some artistic inspiration. Any friendly humans in Oxford?
so i wont say that, even though that was what happened.
so i wont say that, even though that was what happened.
so i wont say that, even though that was what happened.
so i wont say that, even though that was what happened.
so i wont say that, even though that was what happened.
*pass it on...post it to your journal and see what others ask YOU!*
"THIS IS CANDY I AM CALLING TO SEE IF YOU'RE SICK TODAY?"
"THIS IS CANDY I AM CALLING TO SEE IF YOU'RE SICK TODAY?"
Well, maybe that's a bullshit theory. Maybe it's not. It doesn't, right at this moment, *feel* like a bullshit theory. It rings true.
"Being gay doesn't equal being OK with porn," he sighs. He's constantly bombarded with porn, and doesn't think much of it.
"Being gay doesn't equal being OK with porn," he sighs. He's constantly bombarded with porn, and doesn't think much of it.
Obviously its hell living in Scotland, but one of the good things is Radio Scotlands eclectic music policy, and you can listen to it on the web
"What is wrong with you?" Matt asks, his eyes on the road.
"What is wrong with you?" Matt asks, his eyes on the road.
God save the Sex Pistols One means it, subjects We love our boys God bless
Our cat flaps broken which we think is the reason why the cats peeing everywhere. This is apparently how cats tell you theyre pissed off.
Our cat flaps broken which we think is the reason why the cats peeing everywhere. This is apparently how cats tell you theyre pissed off.
I asked my bisexual lovers, "Can a whole side of you just "retire" is that for real?"
I asked my bisexual lovers, "Can a whole side of you just "retire" is that for real?"
I still find her attractive, but the "I promise, tomorrow night will be different" thing is getting old.
Tim suggests that whats special about Tom Watsons blog is that hes the first politician to use a blog to tell us what he really thinks instead of just telling us whats in his diary.
Tim suggests that whats special about Tom Watsons blog is that hes the first politician to use a blog to tell us what he really thinks instead of just telling us whats in his diary.
Tim suggests that whats special about Tom Watsons blog is that hes the first politician to use a blog to tell us what he really thinks instead of just telling us whats in his diary.
Tim suggests that whats special about Tom Watsons blog is that hes the first politician to use a blog to tell us what he really thinks instead of just telling us whats in his diary.
Tim suggests that whats special about Tom Watsons blog is that hes the first politician to use a blog to tell us what he really thinks instead of just telling us whats in his diary.
I go back and forth between the lines of thought..."Be prepared for the worst and the best will surprise you" and "Take a leap of faith into something unknown"
I go back and forth between the lines of thought..."Be prepared for the worst and the best will surprise you" and "Take a leap of faith into something unknown"
I go back and forth between the lines of thought..."Be prepared for the worst and the best will surprise you" and "Take a leap of faith into something unknown"
Fourth of all, my boyfriend Matt will be in another country the day of the wedding.
Fourth of all, my boyfriend Matt will be in another country the day of the wedding.
You had your last chance girl. Now you will get a sound lesson in obedience and respect for your elders. Take off your clothes.
You had your last chance girl. Now you will get a sound lesson in obedience and respect for your elders. Take off your clothes.
I wonder what Id have to do to persuade her to come and give a guest lecture?
I wonder what Id have to do to persuade her to come and give a guest lecture?
I wonder what Id have to do to persuade her to come and give a guest lecture?
I wonder what Id have to do to persuade her to come and give a guest lecture?
But being an object and believing yourself to be an object are different. Subtly, but fundamentally different. And slipping under the desk last night... I was believing.
But being an object and believing yourself to be an object are different. Subtly, but fundamentally different. And slipping under the desk last night... I was believing.
Today, Apoa and Kiloh spontaneously adapted the lyrics to Bob The Builder to make reference to two builders they know.
Today, Apoa and Kiloh spontaneously adapted the lyrics to Bob The Builder to make reference to two builders they know.
Today, Apoa and Kiloh spontaneously adapted the lyrics to Bob The Builder to make reference to two builders they know.
Today, Apoa and Kiloh spontaneously adapted the lyrics to Bob The Builder to make reference to two builders they know.
i saw instantly that not screaming was the way to get out of this nest.
i saw instantly that not screaming was the way to get out of this nest.
"I have no idea what you're talking about," I say.
Our IT department will be happy with you. Ha ha!
Ive had dreams with scenes like that in em, but usually only when I was awake.
You had your last chance girl. Now you will get a sound lesson in obedience and respect for your elders. Take off your clothes.
You had your last chance girl. Now you will get a sound lesson in obedience and respect for your elders. Take off your clothes.
btw, Shakespeare wrote Shakespeares plays and this is the best evidence.
btw, Shakespeare wrote Shakespeares plays and this is the best evidence.
btw, Shakespeare wrote Shakespeares plays and this is the best evidence.
btw, Shakespeare wrote Shakespeares plays and this is the best evidence.
btw, Shakespeare wrote Shakespeares plays and this is the best evidence.
Finally we have a replacement for my long lost beloved riding crop! (The story about how I lost it is here if youre interested.)
was reading over in the Blogasm blog bettymcboobs's tale of the first time she Licked a Girl and it reminded me of my first time.
was reading over in the Blogasm blog bettymcboobs's tale of the first time she Licked a Girl and it reminded me of my first time.
was reading over in the Blogasm blog bettymcboobs's tale of the first time she Licked a Girl and it reminded me of my first time.
"I have no idea what you're talking about," I say.
"I have no idea what you're talking about," I say.
Your imagination, confidence, willingness to explore, and appreciation of beauty make you a CREATOR.
Naughty Virgin's Inside the Mind of A Virgin
Kim Right Look! Shadow puppets! Its a dog! Ruff Ruff Meeow!
The Independent also reported OUPs tabloid spelling story and their leader writer takes a most enlightened view about it.
And my silent agreement goes something like "Because she was fucked up enough as a kid to decide to fuck on film for fortune and fame."
And my silent agreement goes something like "Because she was fucked up enough as a kid to decide to fuck on film for fortune and fame."
explicit work is ok. Please include a short biography with your work.
explicit work is ok. Please include a short biography with your work.
In between the laughs I can hear bits of their conversation.
I wonder how robust this statistic is? And does this one only tell half of its own story?
Yesterday was much quieter, but we managed to fit in a visit from Nicki and Clemmie, who enjoyed capering with her cousines.
Yesterday was much quieter, but we managed to fit in a visit from Nicki and Clemmie, who enjoyed capering with her cousines.
Yesterday was much quieter, but we managed to fit in a visit from Nicki and Clemmie, who enjoyed capering with her cousines.
Yesterday was much quieter, but we managed to fit in a visit from Nicki and Clemmie, who enjoyed capering with her cousines.
Yesterday was much quieter, but we managed to fit in a visit from Nicki and Clemmie, who enjoyed capering with her cousines.
PS I wonder how Blunkett would feel about the fact that this same person explained how she understood this way of using words by saying its the kind of thing Haider does in Austria
PS I wonder how Blunkett would feel about the fact that this same person explained how she understood this way of using words by saying its the kind of thing Haider does in Austria
producers, blackberries and holding your drink
producers, blackberries and holding your drink
Spoon's Chez Spoon (formerly SpankMeWithASpoon)
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