"How to Become Debt FREE
While Repairing Your Credit"
Finally, you can STOP WORRYING about your intimidating mountain of credit card debt and unpaid bills...
You'll sleep better, start an emergency savings fund, and even have money left over for fun stuff (like vacations).
Keep reading to reclaim your life...
From The Desk of Jude Gilford, Co-Founder & CEO
Tuesday - 11:28 AM
Even if you've read all the books on personal finance and spent months studying strategies and formulas, actually sitting down and creating your own plan for the best use of your money can turn out to be a miserably frustrating experience.
Most people believe if they only earned another $10,000 per year, their problems would be solved.
But think of the times you have gotten a big increase, and you'll see this is not true.
Wasn't the increase quickly absorbed into your everyday spending?
Soon whatever you are earning is what you are spending again (and maybe more). MAP shows you how to reallocate what you already have. You may already have everything you need!
When overwhelmed by debt, you may seek any means available to ease the anxiety and help eliminate the debt. Many people and organizations are willing to take advantage of your plight.
There are thousands of "debt solutions" that can cost you $400 to $7,500, and in the end you may find the whole process was a fraud. Don't let this happen to you.
Why Debt Management Services Are A Waste of Your Money...
...And Why YOU Are Best Qualified To Manage Your Finances!
My name is Jude Gilford. I empower people to take back control of their personal finances. My tips and strategies will help you go from no wealth to real wealth.
No more sleepless nights. Take charge with easy-to-follow steps guaranteed to turn those debt-servicing dollars into YOU-servicing dollars.
For example, let me ask you a question. When would it be appropriate to use a debt elimination, management or consolidation service?
N-E-V-E-R!!!
In all likelihood, the company you would hire cannot do anything that you cannot do yourself. No one can make your debts disappear.
The only legitimate way for them go away is to pay them off or file for bankruptcy.
Creditors may consider working out an agreement where you pay less interest or they offset various fees, etc. They would rather work with a willing customer and receive some kind of payment. Their only other option is to sell the debt to a collection agency.
Which brings up another question:
How much do debt collectors pay for your debt?
Knowing their investment in the debt can help you know what they are willing to settle for. The answer might surprise you.
Newer debts are normally purchased for less than 15% of the total outstanding balance.
That's less than $150 on a $1,000 debt. If the debt is older, then it sells for even less.
My business, the Money Awareness Program (a.k.a. "MAP"), is a complete do-it-yourself guide to becoming debt-free while you repair your credit.
Here are actual testimonials for the program:
"The Money Awareness Program on simplified financial literacy for our managers was a huge success!"
"Your program has taken the fear and mystery out of so many complicated and emotional ties to money. We were all impressed and thankful for your simplified, easy to understand solutions to many of life's real financial challenges. Your program offers a ray of hope where people need it most."
Kay Chew Low, Human Resource Director, Holiday Inn, San Francisco Civic Center
"I understand why over 98% of the assigned attendees have evaluated your workshop as 'Excellent.'"
"I have received a number of letters from your students. Their praises and comments about your compassionate and inspiring presentation are to be commended. The Bad Check Enforcement Unit is equally impressed with the lasting impact your classes are making on the attendees. To date, the repeat offender rate for individuals we have referred to your program has been zero. This is remarkable."
Terence Hallinan, District Attorney, City & County of San Francisco
"The Money Awareness Program is, and continues to be a blessing to our church community."
"It is with tremendous joy that I write this letter. In the past year over 75 of our members have taken the course and every one of them rated the program as excellent. I personally took the course last year and can say with confidence that it is the best program on money awareness that I have ever seen."
Karl J. Aull, Minister, Unity Christ Church, San Francisco
"You were hands-down the highest-rated presenter and program we have had in my four years."
"Our 13 residents, in early recovery from alcohol and other drugs, come to us with little or nothing, having lost jobs, family and support systems. For the first time, I had a resident call me from work to tell me how much your information meant, one e-mailed and two others came to my office to say 'thank you.' You really gave our residents hope and a means to clean up their financial wreckage, increasing their chances of long term sobriety."
Ardis Jerome, Executive Director, San Francisco Women's Rehabilitation Foundation
From individual attendees ~
"I enjoyed the class and felt better about myself."
"I really enjoyed the class. It gave me lots of ideas to change my financial problems.
"Financially, as a new single mother on welfare, I'd been depressed and felt hopeless. Not now."
"I knew a lot of this info before but now am motivated to use it."
"Before coming to this class, I felt like a failure. Now I'm inspired. I only wish I had this info and encouragement sooner."
"God bless you! This was a prayer answered for me."
"Instructor was very clear on information that I needed to know. Keep up the good work. Society needs you!
"I would recommend this class to anyone."
"I feel that the whole world should know about your program!"
Good Money Management Is A Skillset That Anybody Can Learn...
I had been a marine insurance broker to high-tech and international clients for many years in San Francisco before my partner, Frank Velasquez, and I launched MAP in 2000.
Personal finance was a subject we both had studied and received benefit from, so we decided to design a program to help others. We spent a year doing comprehensive research and compiling information into an understandable format, and then began presenting workshops at YMCAs and churches.
Our path crossed with the San Francisco District Attorney, Terence Hallinan. He needed a provider for the educational portion of the Bad Check Program. We began providing two classes a month for the program. The response was far beyond any of our expectations. The Bad Check program staff (and even Terry) was receiving thank you calls for providing our classes! That had never happened before.
At the beginning of every class, we asked for a show of hands of how many participants ever had their parents say to them, "Here's what we make, here's what we owe, and here's how we manage our money." Out of all our attendees, no more than two or three people ever raised a hand. Money has become a taboo subject!
Armed with the skills learned through MAP, ANYONE WILL BE ABLE to have those conversations with people they care about... and we'll be on our way to disspelling the taboo that has come to surround the subject of personal finance.
I relocated to Tucson in 2004 and became involved in a number of community activities, but by early 2008, the floor had fallen out of the real estate market and gas prices were flying through the ceiling.
Many people were having financial problems. For the first time, I heard the term "sandwich generation." It's those people who are raising children or grandchildren, and also trying to provide for their parents.
I started sharing MAP again as I became aware of people who could benefit from it. Soon I determined MAP needed an online presence in order to reach a larger audience.
Start Taking Charge of Your Finances In Just Minutes A Day!
MAP is a complete do-it-yourself guide to becoming debt-free while you repair your credit...
... So you can start taking charge of your finances in the next few minutes!
You will discover why people overspend so you will not make the same mistakes.
By learning to determine your disposable income, you will see that about 70% of every dollar you earn is spent before you ever get your hands on it.
This allows you to see how little expenses add up and can motivate you to look more carefully at how you spend.
You will learn the three keys to financial success.
You're likely to laugh out loud because they are so simple.
And you will say, "Why didn't anybody ever tell me this before?"
You will learn what credit card companies don't want you to know; that free does not mean free and that fixed rates are not fixed at all. You will be able to sift through the tiny print and see through their unethical tactics.
You will read the story of a college student who found himself so deep in debt that he didn't know how to get out. He asked his mother for help. She didn't know either. You'll read the tragic result and then will have knowledge you can share with your loved ones so this story will never be repeated.
Calculate How Long It Will Take To Repay Your Debts (Less Time Than You Might Think!)
You will calculate how long it will take you to pay off your debt, and then you will learn shortcuts that will save you thousands of dollars in interest and years in time to pay off.
You will have:
MAP will teach you how and why to get your credit reports (all three but not at the same time!), and you will learn the #1 question to ask prospective lenders to assure you'll always get their best rate.
MAP is available for the first time ever in e-Book format. Here's how to get out of debt and repair your credit with an unconditional money-back guarantee to assure your success.
Money Awareness Program -
A MAP to Regain Financial Fitness
If you want to obliterate debt from your life forever, then you need to know how you can benefit from the tips and strategies explained in this eBook.
MAP will teach you everything you need to know to take your power back; find your own solutions because no one has more interest or can take better care of your money than you can.
But that's not all...
MAP provides forms so you can create your own spending plan and creditor action plan. Having these solutions in hand will allow you to move forward purposefully.
There is only one tool all the financial gurus agree always provides success. MAP will tell you what it is and outline a simple way to use it.
Then, once the bills are paid off and it's time to start investing, MAP gives you the best advice of all on investment products: "Don't Buy Anything You Don't Understand!"
After reading MAP you will know more about the dynamics of money than you have learned in a lifetime! You will transform your relationship with money so that you can design your escape from the ever-revolving door of credit.
"I'll get to the point: I want
YOU to buy my eBook!"
The fact is MAP works quickly -- so quickly you may ask yourself in frustration, "Why did I allow myself to be manipulated into believing a credit lifestyle was the American dream?" But it can't work if you don't buy it and start the process.
My mission is to get this information to a lot of people; not to make a lot of money per sale. The San Francisco District Attorney paid $47.50 for each person who attended our Bad Check Program class.
I could easily sell this information for twice the price I've set. I've done exhaustive research and there is no other place on the Internet where you will find the wealth of information MAP offers.
I've found sites where you are drawn in for a price of less than $50. You get an eBook or downloadable CDs -- that do not have nearly as much content as MAP -- and you also get a free 30-minute coaching session via phone.
The purpose of the call is to pressure you into a "coaching contract" that will cost you several thousand dollars! They really make you believe you will not be able resolve your own credit problems on your own.
That's NONSENSE.
No one can handle your money better than you can!
Don't spend your money on expensive products and remedies that divert your money! Buy my product, and use those extra dollars to pay down your debt!!
I have one product, MAP. No one will call you, but if you have any questions as you go through the process, you will have my email address and I invite you to contact me at any time. As a matter of fact, I'll give you that address right now: moneyawarenessprogram@yahoo.com.
I'm interested in working with people who are committed to success! So if you're serious about becoming financially free, then I want to work with you.
And that's why I'm NOT going to give these strategies to you for free. An odd-sounding statement, but let me explain...
Frank and I used to give away food to hungry families. We did it every year at either the Holidays or Thanksgiving. We would give away food (turkey and all the fixings for a family of 6) to 150 families -- absolutely free. You know what we learned? That if you get something for free, it doesn't have the same value as if you pay something for it. It was a huge lesson!
That's why I've decided to put a very reasonable price of just $29.95 on the MAP eBook. It's enough to prove to me that you're serious about succeeding -- but with the cost of promoting this eBook, I won't be making a lot of money per sale.
I think that's a fair trade.
"A Bonus Gift Of Equal Value Is Yours FREE,
Just For Trying My Strategies!"
I am including a powerful FREE bonus that will give you a jump-start toward making your "debt-free" dream come true.
It's a special report entitled "Innovative Ways to Earn, Save & Conserve," that includes many ways to make the most of the dollars you MUST spend:
Over 50 ways to earn extra income
Tips for grocery shopping
40 simple ways to save energy around the home
You can't solve a problem if you don't know you have one.
When you use MAP to take a financial snapshot of your life, you may find you could use some extra income. Here are some ideas to get your creative juices flowing so the process can be as painless as possible.
If you have to do something, you might as well do something you love or that you find fun, don't you agree?
"You're Protected By My Comprehensive No-Risk 100% Moneyback Guarantee!"
MAP will empower you to take control of your finances and will teach you the skills you need to do it. Further, you will know more about the dynamics of money than you have learned in a lifetime.
That's MAP's promise, and it is backed up by a 100% unconditional guarantee. No questions asked.
I'm willing to put the risk entirely on me. Take a full 90 days to check out my eBook and if it doesn't far exceed your expectations, I'll take it back for a full refund. And the bonus product is yours -- no matter what.
It's that simple.
"Get Started Planning Your Financial Future In The Next Five Minutes..."
The choice is yours:
You either want to become debt-free or you don't. If you don't, good luck with whatever it is that you choose to do.
But if you're serious about changing your financial future, then you really only have one choice. Get out your wallet, and invest the $29.95.
You've literally got NOTHING to lose.
But remember...
... the longer you wait, the longer you will be constrained by needless financial worries. Completely unnecessary.
So let's get started now on the road to empowerment.
Remember: If you're not thrilled with MAP, just let me know. I'll get you an instant refund and you keep the Bonus Package -- that's a guaranteed gain no matter what you decide.
You'll receive instructions for downloading your eBook, directly to your email inbox, in the next five minutes.
Committed to your success,
Jude Gilford
P.S. Here's what I believe. I believe you want to get rid of your debt and start designing your future. I believe you want to take advantage of the most complete do-it-yourself guide to becoming debt-free and repairing your credit. I believe you are ready to become financially free. Taking the time now to be proactive with your finances can get you back on track and help you plan for a stable future.
© Copyright 2008 Jude Gilford. All rights reserved.
