FAQ's about Managing & Improving Your Credit & Finances for this MILLENNIUM

Below you will find Frequently Asked Questions (FAQ’s) from consumers from around the world. There is a good chance that if you have a question or concern in regards to the content that is included in Managing & Improving Your Credit & Finances for this Millennium—it will be addressed in the Frequently Asked Questions that follow.

If you have a question or concern that you feel is not answered or addressed appropriately in the FAQ’s or you feel that the answer provided does not adequately answer your concern—you can contact us with your questions or concerns in the “contact us” section that can be found on the tab in the upper left-hand corner.

We will do our best to respond in as timely a manner as possible (usually within 24 hours).

Q: I find your websites very interesting and unique. What led you to create your websites and write your new book—Managing & Improving Your Credit & Finances for this Millennium?

A: In 2006 I faced great adversity in my life. During that time period I made a vow to God to do something great for humanity. At that time I realized that the credit and financial markets were in disarray (easy credit to almost anyone) and consumer behavior was irrational for many and did not serve their long-term financial interests.

I realized that Realty 1 Strategic Advisors possessed powerful knowledge that had helped many consumers improve their credit and finances to a high level. I then made a decision to share that knowledge with consumers around the world. The creation of realty-1-strategic-advisors.com and the-best-atlanta-real-estate-advice.com was the result of that vow—and vision that I had.

I later realized that in the current environment consumers were being taken advantage of by many in the financial industry such as—credit card companies, debt consolidation companies, attorneys, accountants, loan officer’s, real estate agents and other so called financial professionals at an alarming level. I understood early on in my financial life that you can’t depend on other professionals—in total for your future success.

During that time period (2006) I determined that I had to create something even more powerful and lasting than that of my websites. The thoughts of creating a powerful book to benefit consumers in a real and meaningful way floated around in my mind for years. A rough outline was even produced in 2006—yet I did not act on that inspiration to create a book at that time that would really benefit consumers in a meaningful way.

After the real estate and economic downturn from 2007 to 2009 occurred I realized that had our system of credit and finance management been available to the masses—the downturn would not have affected consumers in the manner that it did!

From 2010 to 2012, I entered a period in my life when I faced even greater adversity—from the transition of my younger brother (who looks just like me) to cancer—and one of my best friends and mentor to cancer—to my inspirational leader to cancer—to my God-mother to cancer—to almost losing my own life on several occasions—after going into anaphylactic shock after being stung by bees and wasps.

However, as difficult as those times were and continue to be—I had to do as I always asked my visitors to our websites to do on a consistent basis—always respond positively to adversity (there is an equal or greater benefit in the future—if you believe it to be so)—and by doing so I was able to dig down deep during the last few years and create what we believe is the best credit and finance management book on the market for those who truly want to manage and improve their credit and finances to a high level—in a comprehensive manner!

I realized early on in my life that when you give it your all in whatever you do you will get much more than you expect in return. I realized that I had to pursue my dreams with more passion and I had to really have the expectation that my dreams of creating the best websites and the best credit and finance book available for those who truly and sincerely wanted to improve their credit and finances would really occur—and materialize during my lifetime!

While driving down the road in July of 2012 with my car window down a yellow jacket wasp landed on my arm as I was going 35 miles per hour. I then jammed my brakes and killed the wasp that was on my arm. Fortunately no car was directly behind me and the incident did not cause an accident. A wasp landing on me while I was inside a car had never happened to me in all of my years on planet earth. I had already had several bad experiences (almost losing my life on several occasions) with wasps and bees in the past—due to being allergic to them.

I saw that unfortunate event as the signal to do the final editing that needed to be done on Managing & Improving Your Credit & Finances for this Millennium in as effective and efficient a manner as possible.

Within 30 days of that incident the final editing (hundreds upon hundreds of pages of original content was reduced down to just over 200 pages) of Managing & Improving Your Credit & Finances for this Millennium was completed—and Managing & Improving Your Credit & Finances for this Millennium is now changing consumer behavior in the lives of consumers in their credit and financial life for the better on a worldwide basis.

Just as we have set the bar high with our standards of excellence and have created the best websites for consumers—we have also set the bar high on our book writing. As powerful as our first book is—and we think that it is the best on the market as far as a comprehensive book that addresses your credit and finance concerns in a manner that will benefit you and your family the most in your future—we feel our best writing is yet to occur!

Managing & Improving Your Credit & Finances for this Millennium—is the first in a series (part of the Real Estate and Finance 360 Degrees Series of Books) of high powered personal finance and real estate books that will hit the market in the next few years that will re-define the way that consumers achieve success in their personal finances and real estate transactions!

Prior to the creation of this website and the publication of Managing & Improving Your Credit & Finances for this Millennium—I had not written an article of 500 words or more in over 20 years. My point for mentioning that is—that if “you” respond positively to adversity, dream big (have a big imagination) and pursue your purpose and passion at your highest level—you too can attain great success in your life!

You must realize that if you don’t act on the inspiration and vision that you see—that vision is really nothing—just as the above mentioned websites and book were nothing—until I acted! Once I “acted” both the websites and the book had the power to re-define the way that consumers look at and improve their credit and finances on a worldwide basis.

It is important that you realize that you can do the same—if you pursue your life purpose with real passion!

Managing & Improving Your Credit & Finances for this Millennium—has the power to change consumer behavior towards their credit and finances in a major way! Based on the early reviews and the powerful content that is inside we expect that consumers will approach their credit and finances in a more confident manner on a worldwide basis from this day forward. No longer will creditors have the inside edge on how to manipulate consumers to the disadvantage—of consumers!

You must realize that it is important that you respond positively to any adversity that you face on a consistent basis if your goal is to achieve at a very high level!

In the times that we now live in you must have a clear process of thinking when it comes to managing and improving your credit and finances to a high level!

The “3 Step Structured Approach to Managing & Improving Your Credit & Finances” that is included in Managing & Improving Your Credit & Finances for this Millennium—provides you that clear thinking process that you need and does so in a style and manner that will help you work towards your future goals and objectives in a highly efficient manner.

As a consumer, it is imperative that you have a working knowledge and a comprehensive understanding of your credit and finances.

In this day and age it is a requirement and absolutely mandatory that you not only know your responsibilities when it comes to managing and improving your credit and finances—you must have a foolproof system that allows you to understand, manage and improve your credit and finances in a comprehensive manner!

As a professional who has been in the credit and finance profession for over 20 years I understand first-hand the concerns that consumers have about their credit and finances.

I am keenly aware of the pitfalls that you should avoid in your credit and financial life based on my direct involvement with hundreds upon hundreds of clients over the years.

Managing & Improving Your Credit & Finances for this Millennium is my best attempt to shift the balance of power (in your credit and financial life) back to where it should be—in your hands—not in the hands of others that may not have your best interest at the forefront!


Managing & Improving Your Credit & Finances for this Millennium was created over a number of years—when compared against other credit and financial books it is akin to comparing a cheap wine versus a fine wine.


All due care was taken—including letting the wine age (content is the result of 20 years of wisdom and was not written in a manner where there was a publishing deadline) to ensure that the content that you will receive is of the highest benefit (quality) to you and your family.


Managing & Improving Your Credit & Finances for this Millennium was created as a direct response to consumers desire for a smarter, more cost effective, more time efficient and easier to follow approach to the management of their credit and finances!


As of September 2012 we have reached a tri-fecta—( 1) our 10th anniversary of business for Realty 1 Strategic Advisors occurred—(2) our 100th page for this website was created—and (3)—the completion of Managing & Improving Your Credit & Finances for this Millennium occurred—which in our opinion will be recorded in history as one of the most monumental books ever created for helping consumers improve their credit and finances—in a manner that is truly in their best interest!


Speaking of tri-fectas—the “3 Step Structured Approach to Managing & Improving Your Credit & Finances” that is included in Managing & Improving Your Credit & Finances for this Millennium—is also one of the most highly effective systems of credit and finance management ever created.


We believe—that it too—will go down in history as one of the most effective—if not the most effective system of credit and finance management that consumers utilize on a mass scale to change their credit and financial future—to one of true success!


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Q: We don’t have a credit system in our country—can we still benefit from Managing & Improving Your Credit & Finances for this Millennium?

A: If you have a free market economy you can obtain significant benefit from Managing & Improving Your Credit & Finances for this Millennium. We explain in a thorough and highly effective manner why you should utilize personal financial statements and we show you in practical, highly effective ways why they can benefit you and your family.

We also explain why you should have a working knowledge and understanding of all of the areas of your personal finances and show you how you and your family can benefit from this knowledge in your everyday life!

The mental systems and ease of understanding and practical knowledge that you will receive and be able to apply in your credit life and/or financial life is second to none—and will provide you with a springboard to attain success at a high level—whether it be in the areas of your credit and/or finances.

In “Managing & Improving Your Credit & Finances for this Millennium” you will learn how to use your mind effectively to reach the goals that you desire in your credit and/or financial life. You will do so in a style and format that is totally unique and highly effective!

If you have a free market economy and you want to more effectively manage your financial future—purchasing Managing & Improving Your Credit & Finances for this Millennium today will give you the clear financial focus that you need and deserve—for the times that we now live in!

Q: What can I gain by reading Managing & Improving Your Credit & Finances for this Millennium that I can’t get from any other credit or finance book?

A: Most credit and finance books will give you a “piece of the puzzle” or “pieces of the puzzle” that may be able to help you with your credit and/or finances. By “piece or pieces of the puzzle” we mean that they may provide you with excellent content in one or several areas of credit and/or finance.

In many cases the content in many personal credit and personal finance books are difficult to understand and will in most cases be forgotten by you in a few weeks. Many of the books will be “placed” on a shelf—and you may never pick the book up again.

With Managing & Improving Your Credit & Finances for this Millennium—you will get the complete puzzle (a comprehensive understanding of what you must do in your credit and financial life) that will help you improve your credit and finances in a smarter, more cost effective, more time efficient, and easier to follow manner than any book on the market.

By reading Managing & Improving Your Credit & Finances for this Millennium you will learn about credit and finances in a style and format that you have never experienced. You will learn about credit and finance in great detail. You will learn how to pay off your debt in ways that you may have never imagined and you will have a real working knowledge of how to effectively use written goal setting to maximize your and your family’s future credit and finance vision!

Most importantly the systems are powerful and presented in a manner that will become a permanent fixture in your mindset (thought process) on a daily basis. By reading Managing & Improving Your Credit & Finances for this Millennium you will learn highly effective systems that will help take your credit and finances to where they need to be or where you desire that they go—in a very efficient manner!

The “placing” of the powerful information in this book will be in your mind or thought process—not on some shelf collecting dust! By having this powerful information in your mind on a daily basis you will be in position to retrieve the information and use it to transform your credit and finances in a major way—thereby improving the living conditions for yourself and your family on a consistent basis!

We pride ourselves on creating original and meaningful content that is highly beneficial to you and your family. Whether you use our websites, books or both—you will find original, empowering content that could only be created by the author of
—Thomas (TJ) Underwood!

Rarely does a book come along that revolutionizes or affects an industry in a major way!

Managing & Improving Your Credit & Finances for this Millennium does just that!

With the creation of this book the Personal Finance industry will never be looked at in the same manner by consumers. The concepts, strategies, systems and approaches in this book are just that powerful!

You must realize that if you lack the knowledge and determination that is needed for success—you may go for anything that is offered that looks like it might improve your credit and/or finances.

Whether it is bad advice or a con-artist approaching you—if you lack the knowledge and determination that is needed for success you may be lured into a bad situation when you really had better options—had you had the right knowledge at the right time!

We also realize that there are many on the world wide web who offer what sounds like a great deal and once you receive the product or service it does not live up to its billing. If anything that we state regarding Managing & Improving Your Credit & Finances for this Millennium is not as we state—or for any reason you feel that Managing & Improving Your Credit & Finances for this Millennium does not meet or exceed your expectations—you can return it within 30 days no questions asked—we’ll even pay shipping costs up to $4.95 if ordered from this site!


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Q: Why is it that you state that Managing & Improving Your Credit & Finances for this Millennium provides the best credit and finance management system that is currently available—for consumers?

A: Managing & Improving Your Credit & Finances for this Millennium provides you with powerful insight on how to manage and improve your credit and finances effectively and efficiently for the rest of your life! Managing & Improving Your Credit & Finances for this Millennium provides you a system to attack your credit and finances from angles never before seen!

Why choose a system that is complicated and leaves you more confused after you try to comprehend and apply it than before you started when you have better options? Why spend weeks and months—when you can spend hours and days? Why learn a system that you can’t apply effectively in your life and you won’t even remember in a month or two?

Why spend another day wishing that you could improve your credit and finances to a high level when you can now do so?

You now have an opportunity to choose a system of credit and finance management that is specifically created for your future success! From this day forward you don’t have to settle for less!

You can choose to bog your mind down or overload your mind with confusing credit and/or financial messages and jargon—or you can choose a smarter, more cost effective, more time-efficient and easier-to-follow system that gives you the “essentials” that you need to know and apply—that will give you the results that you desire.

Managing & Improving Your Credit & Finances for this Millennium is a book that will give you a more consistent, precise and foolproof way of managing and improving your credit and finances.

The “3 Step Approach” and the other structuring techniques—that can be found in Managing & Improving Your Credit & Finances for this Millennium provides you the essentials that you need to know and apply in a style and manner that works with your mind—and not against it!

Why choose a more complicated system when you have an opportunity to choose an easy-to-learn system that is more effective and highly applicable to your and your family’s future success!

If your goal is to transform your credit and financial future to that of true success—purchasing Managing & Improving Your Credit & Finances for this Millennium today will start the process of your journey to true success in your credit and financial life. You can achieve success for not only yourself—but also your family—if you use the control that you have over your mind to do just that!

In Managing & Improving Your Credit & Finances for this Millennium we have edited hundreds of pages of highly powerful original credit and finance content down considerably to give you the essentials that you need for success in this day and age! You can attain your future goals if you have a system that you can easily understand and apply effectively in your daily life.

We believe that there is no system currently on the market or “previously presented” that provides you with the level of credit and financial understanding and future credit and financial success that you can achieve in an efficient manner—than that of the “3 Step Approach” and the other structuring techniques that can be found in this book!

We don’t back away from our claim that Managing & Improving Your Credit & Finances for this Millennium—provides the best credit and finance management system that is currently available for consumers who sincerely want to improve their credit and finances—in a comprehensive manner!

Managing & Improving Your Credit & Finances for this Millennium is not about our company or our success—it is a book that is truly created for “your success” and we are confident that all who read this book will find success in their future!

While creating this book we decided early on that this book would only be released if it provided substantial benefit and personal empowerment at a very high level to consumers who “truly and sincerely” wanted to improve their credit and finances.

We believe that we have accomplished both of those goals! In addition, we believe that Managing & Improving Your Credit & Finances for this Millennium is the best credit and finance book (on the market at this time) that is designed for your success!

Not only are we confident—we are highly confident that Managing & Improving Your Credit & Finances for this Millennium offers you the best opportunity to transform your current credit and finances to that of true success—that will ensure future success for you and your family!

It is no accident that on this site we offer a “30 day no questions asked” refund policy (including shipping costs of up to $4.95) because we have seen what the content in Managing & Improving Your Credit & Finances for this Millennium can do for consumers over the years! If you truly desire success at a high level and you are now ready to truly transform your credit and financial future—we do not believe you have a better choice!

We can’t control what other sales channels do—but on this site we offer a full refund (including shipping—up to $4.95) within 30 days of purchase if this book does not meet or exceed your expectations or if you are unsatisfied for any reason!

We also are of the opinion that this website as well as our newly released book—Managing & Improving Your Credit & Finances for this Millennium are the best available when it comes to improving your credit and finances to a high level!

If you can find a better website or book that is geared for your future credit and financial success in a comprehensive manner at a higher level than this website (at a more cost effective, time efficient, easy to learn and easy to apply manner) or that of Managing & Improving Your Credit & Finances for this Millennium—we agree to feature (text-link) that website or book on our most highly traveled pages on our websites.

We challenge you (right now—be sure to search the worldwide web, online book retailers and wholesalers—as well as the libraries and bookstores of your choice) to find a smarter, more cost effective, time efficient—and easier-to-follow system than that of this website (at no cost to you) or our newly released book—any credit and finance book that you can find that provides a smarter, more time-efficient and easier-to-follow comprehensive system of credit and finance management—at a “cost to you” than that of Managing & Improving Your Credit & Finances for this Millennium!

After reading Managing & Improving Your Credit & Finances for this Millennium you will be able to go up to your loan officer, real estate agent, financial planner or other credit or financial professional and approach them in conversation with a high level of confidence about your future!

You don’t have to be in the dark and approach your finances from a position of weakness when it comes to managing and improving your credit and finances—if you make the choice not too!


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Q: Are the systems that you promote in Managing & Improving Your Credit & Finances for this Millennium costly for me to implement?

A: If by costly you mean monetarily—not really! It will “cost” you valuable time and effort to put your highly effective credit and finance improvement plan in place. In addition, if you lack positive qualities of success or you are deficient in some areas you will have to cultivate those positive qualities to a higher level if you really want to succeed at a high level.

If you now lack determination, focus, self-discipline, self-confidence and other qualities that are needed for success—now is the time that you cultivate those positive qualities to a high level if your goal is to succeed in a major way.

However—from our vantage point the proper question that you should be asking is—will I save by purchasing  Managing & Improving Your Credit & Finances for this Millennium? You will save valuable time, money and energy by approaching your credit and finances in the right manner.

By having an effective system that you will mentally master—you will avoid the mistakes that past consumers have made, you will have a system that you can apply in a timely manner—therefore you can spend your time doing what you really enjoy doing.

Even if you are not gifted at managing and improving your credit and finances that doesn’t mean that you are not responsible for improving your and your family’s finances! If you are not effective at managing your credit and finances—you can now change that by purchasing Managing & Improving Your Credit & Finances for this Millennium!

It is imperative that you learn how to approach your credit and finances in the appropriate manner for the greater benefit of yourself and your family! You must know and understand deep down inside of your heart and mind that it is your responsibility to handle your credit and financial affairs in the most effective manner possible.

You must realize that by taking responsibility—you have addressed a key component of transforming your and your family’s future success! You are now standing on the “edge” of doing something great for yourself and your family in your credit and financial life.

By purchasing Managing & Improving Your Credit & Finances for this Millennium you will cross the finish line and you will be in position to do something truly great for yourself and your family because you will soon be a winner—in your credit and financial life!

By avoiding the mistakes that past consumers have made and addressing your credit and finances in the appropriate manner on the front-end you will save money—by addressing all areas of your credit and finances appropriately.

You can save thousands in interest and fees by utilizing the systems in this book and you will undoubtedly find other ways that you can save—based on your own particular situation.

We also have a money savings strategy section at the end of the book that can possibly help you reduce or eliminate your expenses in relatively painless ways.

You can do all of this by paying less than $30 for Managing & Improving Your Credit & Finances for this Millennium.

The actual systems and approaches only require that you put together personal finance statements so that you can put together a written plan to reach your and your family’s goals and objectives. It will “cost” you time (however, it will be time well spent) to understand the factors that affect your credit and how to apply that understanding effectively in your and your family’s life.

It will “cost” you time to analyze all areas of your finances effectively and use that analysis to reach your and your family’s future goals and objectives in an efficient manner!

Managing & Improving Your Credit & Finances for this Millennium shows you how to do all of this in the most efficient manner possible!

The bottom line is that even though it may “cost” you “time”—you will still learn and be able to apply all of the systems and approaches in Managing & Improving Your Credit & Finances for this Millennium—in the most cost effective, time-efficient—and easy-to-follow manner—that is available in personal finance!

You will have “costs” for a will and other areas of your finances that you may need to address—such as insurance, investments, taxes, education funding, establishing an emergency fund and possibly other areas.

Those “costs” are not directly related or linked to you mastering the powerful systems and information in this book—but, will in many cases be additional monetary costs that you may have to expend if you have not addressed those areas appropriately prior to reading Managing & Improving Your Credit & Finances for this Millennium.


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Q: You state in your book “promo” that I will have the most comprehensive understanding of credit and finance that is available if I am “truly and sincerely” trying to improve my credit. What do you mean by that?

A: After reading Managing & Improving Your Credit & Finances for this Millennium you in essence will know all of the areas of your credit and finances (comprehensive system) that you must address! You will know how to create and analyze personal financial statements in a highly effective manner.

You will be able to effectively analyze your credit situation and make decisions that are good for you and your family!

You will know every major area of your finances that you must address and you will have the mental working knowledge of how to do so on a consistent basis. You must keep in mind that the area of finance can get very in-depth.

However, you will have a system and approach that you can pull up in your mind instantly—and use effectively to improve your credit and finances for the rest of your life!

In Managing & Improving Your Credit & Finances for this Millennium will provide you the essentials of what you really need to know to accomplish the success that you desire in your credit and financial future.
we will provide you the mental framework that is needed to attack your credit and finances in a comprehensive, cost effective, time-efficient—and easy to follow manner. 

Managing & Improving Your Credit & Finances for this Millennium will give you a serious foundation of credit and financial understanding that will provide you the knowledge and preparation that you need to take your credit and finances as high as you want to go.

However, you must have a high level of determination, focus, persistence, vision and other key qualities if you sincerely desire to take your credit and finances to the levels that you need to be at!

Q: Why do you say that Managing & Improving Your Credit & Finances for this Millennium is the best value in Personal Finance?

A: We do not believe that you can find a more time efficient, highly effective system of credit and finance management that takes you to where you need or want to be in an easy-to-follow manner that is on the market at this time—regardless of cost.

When we say “highly effective” we mean a system that you can permanently carry within your mind and pull up from memory with ease anytime that you choose too.

Most importantly you will have the knowledge of how to apply the system—in order to benefit yourself and your family the most—not your creditors or others that may not have your best interest in mind!

In Managing & Improving Your Credit & Finances for this Millennium we also cover the mental aspects of credit and finance management that is often under-emphasized and over-looked by many in the personal finance industry! However, we do not take you on a psychology tour—we directly link your mental processes to that of improving your credit and finances.

Those of you who have funds under management already know that you pay a certain amount monthly or annually—for the management of those funds and depending on the amount under management the cost to manage can easily get into the thousands or tens of thousands.

For those of you who have an initial consultation with a financial planner and pay a fee—the fee can easily be several hundred dollars.  For less than $30 you can have one of the most powerful credit and finance books available that will truly transform your credit and finances in the future!

Even billion dollar companies are unable to provide you a more cost effective, time efficient and easier-to-follow system of credit and finance management. Just ask your current financial services provider to give you practical credit and finance advice—whether by book, brochure, word-of-mouth or otherwise.

After you read Managing & Improving Your Credit & Finances for this Millennium—see if anything that they provide you even comes close to what you will get with

Even if you already have a high level of credit and finance knowledge you can benefit from Managing & Improving Your Credit & Finances for this Millennium because it gives you a more precise way of analyzing and improving your credit and finances that can save you valuable time.

If you are an industry insider your clients will benefit by coming to you with a higher level of understanding of their credit and finances—thus making your job easier!

With the publication of Managing & Improving Your Credit & Finances for this Millennium—consumers no longer have to be left in the dark about managing and improving their credit and finances in this Millennium—unless they “choose” to be left in the dark!

With the publication of Managing & Improving Your Credit & Finances for this Millennium you now have the opportunity to see your credit and financial future in a clear, concise and highly beneficial manner that can take you and your family to where you truly desire to go! You can now avoid the credit and financial mistakes that many consumers have made over the years!

You can pay off your debt in a time efficient manner! You can live your retirement the way that you desire to live your retirement! You can take that vacation of your choice at the time that you desire to! You can reach any of your other goals and objectives that you may have in mind if you gain the right knowledge and you learn how to apply that knowledge in a highly effective manner—in your everyday life!


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Q: I have severely damaged credit—can Managing & Improving Your Credit & Finances for this Millennium help me recover from bad credit?

A: In a word—yes! However, if you are looking for a book that will take you by the hand and provide you with detailed and highly specific information for improving your severely damaged credit—the answer is no.

We take a broad approach to improving your credit and finances to a high level that can help you manage your credit and finances effectively and prevent you from getting into a difficult situation.

Although the information will be highly beneficial and very helpful—it may not be what you are looking for if your credit is severely damaged and you are looking for a step-by-step approach to improve your severely damaged credit.

However, from an overall credit and financial perspective—what is included in Managing & Improving Your Credit & Finances for this Millennium is highly powerful information that you need to know and will be of untold benefit to you because it can prevent you from getting into a difficult financial situation again.

By reading Managing & Improving Your Credit & Finances for this Millennium you will know from this point forward what your responsibilities are as it relates to your credit and finances—thus significantly reducing the likelihood that your credit will be negatively affected in the future.

Managing & Improving Your Credit & Finances for this Millennium will help you guard against the unexpected challenges that life seems to present on a constant basis—thus reducing your stress levels.

Although we provide insightful information that can help you manage and improve your credit to a high level that is very effective—the information is of the greatest benefit to you if you currently have no—or fair to excellent credit.

By purchasing Managing & Improving Your Credit & Finances for this Millennium you can take control of your credit and finances in a real way—starting today!

Why fret about your financial future when you can have “peace of mind” about your credit and finances—for the rest of your life.

You don’t have to let worry and fear enter into your life if you make the choice to purchase (what we believe is the most groundbreaking and highly effective book to hit the personal financial industry in years) Managing & Improving Your Credit & Finances for this Millennium—today.

Can you imagine not owing anyone—taking that vacation that you desire, getting lean and fit at the local fitness center of your choice, putting together an action plan that is designed to give you real success in all areas of your credit and finances—or any other goal that you may have in mind?

Well, now it can actually happen—with the publication of Managing & Improving Your Credit & Finances for this Millennium—you can now chart a successful credit and financial future that will take you to where you need or desire to go.

You can now look towards your future with optimism—after you learn and apply the powerful systems of credit and finance management that can be found in Managing & Improving Your Credit & Finances for this Millennium.

Managing & Improving Your Credit & Finances for this Millennium is a book that you need to read NOW—if you are considering a loan modification, debt consolidation—or bankruptcy!

In addition, if your credit is severely damaged you will benefit immensely from the systems and approaches in Managing & Improving Your Credit & Finances for this Millennium—however you will not receive step-by-step instructions on how to improve your severely damaged credit.

Q: I just came out of bankruptcy—can I benefit from Managing & Improving Your Credit & Finances for this Millennium?

A: As someone who has recently come out of bankruptcy your timing could not have been better as far as recovering after bankruptcy goes.

You will benefit immensely from Managing & Improving Your Credit & Finances for this Millennium because it addresses your concerns as far as cost, time and ease of learning—as well as ease of application.

You have just come out of a stressful situation and you are now in position to make your and your family’s future a prosperous one if you take the time now to learn what it really takes to be successful in your credit and financial life.

You have reduced your monthly expenses significantly by completing your bankruptcy and you now need an effective plan of action that will ensure your future success.

In Managing & Improving Your Credit & Finances for this Millennium —credit and finance topics are presented in a manner that is designed to get you moving fast. You will know what you need to do to stay on an effective course of action for the rest of your credit and financial life.

You have already paid hundreds or possibly thousands of dollars with your bankruptcy proceedings and you now have an opportunity to re-focus and use your thought process and mental energy to do something great for your family.

By using your determination, focus, self-discipline and personal initiative you can use the powerful concepts, strategies and systems that are included in Managing & Improving Your Credit & Finances for this Millennium—to your maximum benefit.

You are one who can really benefit from Managing & Improving Your Credit & Finances for this Millennium—because you know why making the wrong financial moves at the wrong time or having an unfortunate or unplanned event happen in your life—can lead to your credit and finances getting to a level where they are difficult to manage.

You now have a higher level of determination and you can now use that higher level of determination to improve the living conditions for yourself and your family to a higher level.


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Q: I’m recently divorced—can Managing & Improving Your Credit & Finances for this Millennium help improve my situation?

A: As unfortunate as divorce is it does present opportunities for you—if you believe it to be true. We have seen many recover after divorce with their credit and finances—and life. We realize that the tribulations of life may be difficult for you at this time—however, it is important that you respond in the appropriate manner.

You can use Managing & Improving Your Credit & Finances for this Millennium to transform your credit and finances and get started on a meaningful and lasting recovery.

By utilizing Managing & Improving Your Credit & Finances for this Millennium—you will know what you need to do in your credit and financial life from this day forward.

If your ex-spouse previously handled all of the household finances—there is no need for you to panic.

In Managing & Improving Your Credit & Finances for this Millennium you will learn all that you need to know to budget your finances effectively and control your credit and financial life.

By purchasing Managing & Improving Your Credit & Finances for this Millennium you will know how to manage and improve your credit and finances in ways that you never imagined. Most importantly, you won’t be overburdened with confusing and difficult systems of learning.

You will know how to apply the information that you will learn in a manner that will lead to true success.

You don’t have to let uncertainty rule your credit and financial life if you make the choice today—to transform your credit and finances in a real way!

Q: I’m currently laid-off from work—can Managing & Improving Your Credit & Finances for this Millennium help improve my situation?

A: Although your recent lay-off is an unfortunate occurrence you currently have time on your side. You can use that time to read Managing & Improving Your Credit & Finances for this Millennium and by doing so you will set yourself and your family up for future success in your credit and financial life.

By reading Managing & Improving Your Credit & Finances for this Millennium —you will learn about credit and finances in a manner that will be inspiring and uplifting—yet highly effective!

It is important that you respond positively to your recent lay-off. You not only must put together a plan to get back to work—you must also put together a plan to effectively manage the affairs of your credit and financial life!

It is important that you know what you must do to manage and improve your credit and finances and we are of the opinion that no book in personal finance explains to you what you need to do to improve your credit and finances in as an effective manner than that of Managing & Improving Your Credit & Finances for this Millennium

However, you need to know more than what you need to do—you must have an effective system that allows you to apply that system at all times. Managing & Improving Your Credit & Finances for this Millennium —provides you that system and much more.

You don’t have to approach your credit and finances in a fearful manner!  You can use the control that you have over your mind to manage your credit and finances effectively! You can use the control that you have over your mind to make—what we believe is the most cost effective purchase of your life!

Even though your finances may not be at an ideal level at this time—you can use the time that you now have available to position your mind for future credit and finance success (so that you will know how to get your finances at an ideal level in an efficient manner)—for the rest of your life!

Even if your current budget does not allow you the ability to purchase Managing & Improving Your Credit & Finances for this Millennium—you still have no excuse for not using the time that you currently have available to truly transform your credit and financial future.

By navigating this site and www.the-best-atlanta-real-estate-advice.com you can obtain powerful information and advice that will truly transform your and your family’s life!

However, once your budget allows—be sure to purchase Managing & Improving Your Credit & Finances for this Millennium—if you are “truly sincere” in your efforts to transform your and your family’s credit and financial future in a major way.


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Q: I’m overburdened with debt and I am considering debt consolidation or possibly bankruptcy. Can Managing & Improving Your Credit & Finances for this Millennium benefit my current situation in any way?

A: Absolutely, you will find information and advice that is specifically tailored to get you out of debt in a timely manner—if at all possible.

You will also receive important and highly relevant information and advice that will prevent you from making a bad decision in all areas of your finances—including whether you are considering debt consolidation, or bankruptcy—or any other type of plan.

Regardless of your past—you can make the decision today to change your future in a major way! You can choose to continue to make excuses or provide reasons for your current situation or you can make the decision to change your life for the better—once and for all!

It is important that you know your responsibilities in regards to improving your credit and finances and you must “act” on that knowledge in a real and meaningful way!

Managing & Improving Your Credit & Finances for this Millennium provides you the knowledge of what you must do—and outlines your responsibilities that you must perform if you want to improve your credit and finances to a high level!

I would further venture to say that you will find that Managing & Improving Your Credit & Finances for this Millennium will help your situation in a major way.

There is a specific chapter that addresses your concerns about your debt situation. We had a past client who was overburdened with debt and was conflicted about their finances—in a similar manner that you now find yourself in.

We addressed their concerns in an appropriate manner and they were able to transform their credit and finances to a very high level.

We believe that the chapter that addresses our past clients credit card debt payoff—is one of the most empowering personal finance chapters ever written for consumers who are determined to transform their credit situation.

Also included in Managing & Improving Your Credit & Finances for this Millennium are illustrative examples of how our past client(s) used personal financial statements to turn their situation around to maximize their future success.

By creating a personal budget (cash flow statement), a personal income statement, a personal balance sheet and a personal net worth statement—they were able to get a clear picture of their finances and they were then in position to have an effective plan created that provided them a blueprint of what they needed to do to reach the goals and objectives that were in their best interest.

You will most definitely benefit from the empowering information and strategies in this chapter and all of the chapters in Managing & Improving Your Credit & Finances for this Millennium because it will give you the direction and focus that you need—regardless of your ultimate future decision.

We also have a chapter that contains eight debt payoff methods and there is a good chance that one of those eight methods may be appropriate for you and your family.

We explain to you in clear detail what it really takes to pay off your debt in an effective and efficient manner and why you shouldn’t be fooled by those who claim that they have a magic or secret formula that will lead to the elimination or payoff of your debt in a rapid manner.

In Managing & Improving Your Credit & Finances for this Millennium you won’t be presented with misleading and contradictory claims of magical or secretive formulas for eliminating your debt!  You will get the real insight on what it really takes to eliminate your debt in a manner that is in the best interest of yourself and your family!

We explode the myths about magical and secretive debt payoff methods, debt consolidation and filing of bankruptcy and explain in clear terms what it really takes to pay off debt—effectively and efficiently!

It is important that you have a working knowledge of all of the systems in Managing & Improving Your Credit & Finances for this Millennium because those systems can put you in position to make the right decisions as far as your credit and finances are concerned—thus transforming your and your family’s future into one of true success!

Always remember that many consumers expect success to come knocking on their door.  Although that may happen in some instances—you will generally have to pursue success at a high level.

In most cases success will not merely come to you if you do not have a highly effective plan in place. You must have an action plan that will lead to you successfully transforming your credit and finances in an efficient manner and it is our opinion that no book available does that as effectively and efficiently as Managing & Improving Your Credit & Finances for this Millennium

Managing & Improving Your Credit & Finances for this Millennium is a book that you need to read if you want to avoid the mistakes of those who approach their credit and finances in the wrong manner—or if you are considering a loan modification, debt consolidation, bankruptcy or you are otherwise conflicted or concerned about issues in your credit and/or financial life.

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Q: I’m considering purchasing a home this year—can Managing & Improving Your Credit & Finances for this Millennium benefit me in the purchasing of my new home?

A: You can find insightful and highly relevant information if you plan on purchasing or selling your home this year by going to www.the-best-atlanta-real-estate-advice.com  and by properly navigating this site.

On both sites the empowering information and advice is provided at no cost to you (absolutely free) and the content (100%) on both sites were created by the same author that created Managing & Improving Your Credit & Finances for this Millennium—one of the most empowering personal finance books ever written!

However, if your budget allows it would be a powerful move on your part to make the purchase of Managing & Improving Your Credit & Finances for this Millennium one of your primary immediate goals—as this book will truly transform your credit and financial life like no other book in print!

If you are an aspiring homeowner, a current homeowner, or contemplating the sale of your current home—Managing & Improving Your Credit & Finances for this Millennium is a must read for you!

You will gain key insights into all areas of your credit and finances and you will put yourself and your family in position for a lifetime of success.

Keep in mind—that you will achieve major success in the future if you decide to use the websites only.

However, Managing & Improving Your Credit & Finances for this Millennium will provide you answers to what you must do in all areas of your credit and finances in a style and manner that is designed to get you moving fast and will provide you with a comprehensive understanding of your credit and finances in a more time-efficient manner.

Most importantly, you will have the information mentally mastered and you will be able to apply the information at the time of your choosing.

You won’t have to depend on others for your future credit and financial success.

You will have the powerful information inside of your mind—available for use at the time of your choosing so that you can really change the future outcome of your credit, financial, and real estate transactions—in a major way!

If Managing & Improving Your Credit & Finances for this Millennium is used in combination with the above websites—you will have a high powered overview of what you must do in your credit, finance and real estate transactions that is cost-effective (and unmatched in our opinion) than anything that you can find in the personal finance industry!

Q: Your book is priced higher than many established personal finance authors—why is that so?

A: Many established authors may have well written books on the market at this time and have a loyal following and a highly effective promotional system, however when you get right down to what can this book do for me and my family that will help ensure future success at a high level and in a comprehensive manner—many are lacking.

The key difference with the systems that can be found in Managing & Improving Your Credit & Finances for this Millennium is the effectiveness of the systems and the comprehensive approach that is utilized in attacking your credit and finances, not the fact that I came up with the system.

Your future credit and finance success is our main concern! In Managing & Improving Your Credit & Finances for this Millennium—the systems and their effectiveness are what does the promoting—not the author!

However, we believe our credit and finance improvement systems are “second to none” for those who truly and sincerely want to manage and improve their credit and finances to a high level!

That is why we can offer a worldwide challenge to you or anyone who feels that they have a better comprehensive system of credit and finance management that offers the cost effectiveness, time-efficiency and ease of understanding and application—than that of Managing & Improving Your Credit & Finances for this Millennium.

We also challenge you or anyone else to find a website that offers the level of credit and finance advice to you at no cost—than that of this site and our companion site—www.the-best-atlanta-real-estate-advice.com!

If you have a website or book or you know of a website or book that you feel meets that challenge—we will feature that website or book (website link) on our most highly traveled pages so that consumers worldwide can compare the websites and/or books—side by side—and come to their own conclusions.

By doing the comparison—the real value to you (and others)—of Managing & Improving Your Credit & Finances for this Millennium —will be readily apparent to all who make the comparison.

Priced at $29.95—we feel that this book is easily the best value in personal finance for those who are truly sincere in their desire to improve their credit and finances to a high level.

With the systems and strategies in this book you will have the information that you need to transform your credit and financial future.

If you are just kidding yourself and you are not certain at this time that you “really” want success in your credit and financial future—this book may not be for you!

Furthermore, have you heard the saying—“you get what you pay for?” Never does that statement ring more true than when you compare this book to the competition.

Nowhere else can you find a 3 Step System—and 7 words—that can provide you with a comprehensive system of credit and finance management that will give you highly effective results and will move you and your family forward to reach the goals that you desire or need to attain.

We are totally confident that there is no system in existence now or that has ever been created that is more effective in moving you and your family forward—so that you can reach your credit and financial goals in an efficient and comprehensive manner—that puts you in control—than the systems that you will learn in Managing & Improving Your Credit & Finances for this Millenniu!


In addition, when you purchase from this site you will be supporting this site and our companion site www.the-best-atlanta-real-estate-advice.com.

On this site we do "no advertising" of any kind (other than this book) and this site is supported in total—by Realty 1 Strategic Advisors and the sale of Managing & Improving Your Credit & Finances for this Millenniu!


By purchasing from this site you will not only be doing something great for yourself and your family—you will also be helping consumers worldwide improve their credit and finances by having access to powerful information that can be found on this site and it will be due in part to your purchase of Managing & Improving Your Credit & Finances for this Millennium—on this site!


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Q: I’m currently in college and I am not scheduled to graduate until two years from now. Will Managing & Improving Your Credit & Finances for this Millennium help me in any way?

A: If you are an undergraduate or in a trade or technical school—Managing & Improving Your Credit & Finances for this Millennium will benefit you immensely.

By learning the powerful information in Managing & Improving Your Credit & Finances for this Millennium early in your life—you will set yourself up for a lifetime of success.

Even if you are a teen in high school and you have just begun working or if you are a teen who is currently not working—Managing & Improving Your Credit & Finances for this Millennium will provide you with the insight that you need at an early age—that will prepare you for a lifetime of success!

If you truly have it in your heart and mind to succeed at a very high level—regardless of your age—you can now do so in a cost effective, time-efficient, and easy-to-follow manner!

You are the only one who “truly knows” if you “sincerely” want to build a credit and financial future—where you can become a winner—at an early age.

Always keep in mind that most teens and young adults rarely think about how they will manage and improve their credit and finances in the future.

You can now “buck” that trend by purchasing Managing & Improving Your Credit & Finances for this Millennium early in your life! As someone who is fairly new to credit and finances—you need a system that will provide you with the most clarity and the proper focus that is needed to take your life in the direction that you desire—financially!

In no other book will you find the cutting insight, and powerful concepts that can be readily understood by you—and can be applied effectively in your life at the time of your choosing.

You can use the control that you have over your mind to set up a successful credit and financial future that will allow you to build your future in the right manner or in a manner that is best for you—not creditors and others who have no concern for your future.

By learning the systems and approaches in Managing & Improving Your Credit & Finances for this Millennium —you will put yourself well ahead of your peers as far as being able to understand your credit and finances and you will have a system that can help you manage your credit and finances effectively and efficiently throughout your lifetime!

You will even put yourself ahead of many adults who have been working for years—as far as the understanding and application of systems that will help improve your credit and finances.

Now is the time that you make a serious choice on the direction that you want to go in your credit and financial future!

When I was a young adult and at a similar stage in life as you currently are—there was no material on the market that would even give me a fraction of the knowledge that you will gain by purchasing Managing & Improving Your Credit & Finances for this Millennium.

Priced at less than thirty dollars—it is a must read for you—as your credit and financial life will be affected in a highly positive way.  

If you really value your future—you will find a way to purchase Managing & Improving Your Credit & Finances for this Millennium—just as you have found a way to make other meaningful and significant purchases in your life!

After reading Managing & Improving Your Credit & Finances for this Millennium—you’ll even want to get your parents a copy!

We feel that Managing & Improving Your Credit & Finances for this Millennium—is vastly under-priced. 

We have made a deliberate attempt to price Managing & Improving Your Credit & Finances for this Millennium—under $30 so that we could make the book available to the broadest number of people.

If you “truly and sincerely” want to manage and improve your credit and finances to a high level in the most effective and efficient manner—purchasing Managing & Improving Your Credit & Finances for this Millennium at this stage in your life is a wise choice!


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Q: I receive my income on commission. Can Managing & Improving Your Credit & Finances for this Millennium help me in any way?

A: If you receive your income on commission, or you receive large lump sum payments as a result of entertainment, sports and other ways—you can still benefit from Managing & Improving Your Credit & Finances for this Millennium.

However, look for a major book to hit the market in the future that will address your situation in a more thorough and forceful manner.

Over the last several months (summer 2012) I have become disheartened by the high number of athletes, entertainers, lottery winners and others who have received a financial windfall—but have faced financial difficulty—when it could have easily been avoided (in most cases).

Even though my schedule is quite busy—my mind and spirit is leading me in the direction to create an all-powerful book to help reduce these unfortunate occurrences.

When this book is complete—we expect that it will be one of the most powerful books ever written that addresses the concerns of athlete’s, entertainers, lottery winners and others who earn or receive—large sums of money on an irregular basis.

In the meantime—Managing & Improving Your Credit & Finances for this Millennium will provide you with powerful concepts that you need to know now so that you can avoid being taken advantage of by professionals and others who may not have your best interest at heart.

Managing & Improving Your Credit & Finances for this Millennium  is a good source for you to get your mind in the right position to effectively manage your credit and finances in a manner where you are in control.

As someone who receives income in non-traditional ways—it is imperative that you know what your responsibilities are and you have a system to address those responsibilities that are effective and highly beneficial to you and your family.

In Managing & Improving Your Credit & Finances for this Millennium you will learn the mental approaches that you need to know that will put you in control of your finances and you will then be in position to avoid the pitfalls and traps of others—who may not have your best interest in mind!

Q: I’ve had difficulty in the past managing my credit and finances. Why is your book any different from the rest of the books that I have tried in the past to improve my credit and finances?

A: Over the years we have found that we can’t help everyone—nor does everyone desire to be helped. Managing & Improving Your Credit & Finances for this Millennium is for those who are at a point in their life where they are serious about their future and are looking to improve their credit and finances in as effective a manner as possible.

Some people don’t believe that they are meant to live a bountiful life! We are here to tell you “emphatically” that regardless of your current attitude about your current credit and financial predicament—success can still be in your future. We have worked with many past clients who did not see a way out of their situation.

After going over their situation thoroughly and providing them with much of the content that is included in Managing & Improving Your Credit & Finances for this Millennium—many were able to effectively manage their way back to a point where they were able to control their finances effectively and move forward in their credit and financial life!

You may not have the benefit of a one on one consultation—however you can get the next best thing that can do a lot to help you see a better way out of your situation if one exists—than any system on the market—in our opinion.

Even if you are one who believes that your life won’t get better—you can possibly change that now by purchasing Managing & Improving Your Credit & Finances for this Millennium.  You have absolutely nothing to lose—however, you have much to gain as your purchase is basically risk-free!

Did you know that “you” are responsible for creating your own success?

You can now create your own success by utilizing the powerful systems and approaches that can be found in Managing & Improving Your Credit & Finances for this Millennium!

It is important that you don’t approach your “responsibilities” lightly.

Many consumers have done so in the past to their own peril. Many have been taken advantage of or otherwise manipulated in their credit and financial affairs.

Many have mismanaged their finances to a point where they now struggle from month to month when they could have operated in a manner that was best for their future success—had they seized the right opportunity and information at the right time.

You must realize that you have better options than approaching your credit and financial transaction in a manner where you are at a disadvantage—or from a position of weakness.

If you possess the right knowledge at the right time you will be in a stronger position to protect yourself and your family from being manipulated—or dealt with unfairly in your credit and financial life!


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Q: What is your refund policy if I don’t like your book?

A: With—Managing & Improving Your Credit & Finances for this Millennium we have not yet found an unsatisfied consumer who decided to return this book to us for a refund.

Odds are you and others will not have a need to return Managing & Improving Your Credit & Finances for this Millennium because the content inside and what it can do for you and your family is so powerful that we don’t expect that you will return this powerful book.

However, we understand your concerns and we know how you can feel duped when you make a purchase and it does not meet your expectations.

If you feel that anything that we state about Managing & Improving Your Credit & Finances for this Millennium—is over-hype or misleading after you read it and you feel that you can’t effectively apply the systems and approaches effectively in your life—we offer an iron clad 30 day “no questions asked” refund policy—so that you will have peace of mind and absolutely no risk—we’ll even pay shipping costs (up to $4.95) if purchased from this site!

Furthermore, you must understand that what you are receiving is proprietary and highly effective systems of credit and finance management.

We have made a conscious decision to not only provide the “3 Step Approach” and other highly effective systems and approaches that are in Managing & Improving Your Credit & Finances for this Millennium to you and your family at this time—but to also provide it to you at a very affordable and reasonable price based on what it can do for you and your family!

You must realize that even if billion dollar financial services companies and others were currently in possession of a smarter, more cost effective, more time efficient, and easier to apply system, they wouldn’t necessarily make it available to you (they might provide it to their high paying clients who would normally have millions of dollars under management with their company).

Many companies would not even provide that system to their clients because they would accurately realize that if they provided the knowledge and insight that is in Managing & Improving Your Credit & Finances for this Millennium to their clients—their clients might not have a need for their services or have a reduced need for their services (their eyes would be opened wider)—thus, reducing their profit margin.

Managing & Improving Your Credit & Finances for this Millennium  offers you the opportunity to transform your and your family’s financial future in a manner that is in the best interest of you and your family.

By taking advantage of the opportunity that you now have you can change your credit and financial future (in a risk-free manner) to one of true and lasting success—starting today!

If you were to purchase Managing & Improving Your Credit & Finances for this Millennium from another web site such as Amazon, Createspace or a national bookstore—you would in most cases have a 7 day return policy.

We offer a 30 day—risk-free return policy because we have seen and know what the content that is inside of Managing & Improving Your Credit & Finances for this Millennium has done for consumers on a worldwide basis over the years and can do for you and your family at this time.

Q: I’ve been hearing a lot about the “3 Step Structured Approach to Managing & Improving Your Credit & Finances” that is in your new book—Managing & Improving Your Credit & Finances for this Millennium! What’s so spectacular about that approach?

A: The “3 Step Approach” is a system that is specifically designed to help consumers manage their credit and finances in the most effective and efficient manner possible.

The system was developed over a course of years and it is a system that will actually help you manage and improve your credit and finances in a manner that is in your and your family’s best interest—not the best interests of creditors and others who may not have your best interest at the forefront!

It is important that you realize that the “3 Step Structured Approach to Managing & Improving Your Credit & Finances” is not a fly-by-night system or a get rich quick system.

It is not a system that is based on secretive or magical formulas. However, it is a proven system that will provide you the essentials of what you need to do in your credit and financial life for the times that we now live in.

It is important that you understand that by mastering the 3 Step Structured Approach to Managing & Improving Your Credit & Finances—your understanding and application of the system will be self-evident (readily apparent) to you after you read Managing & Improving Your Credit & Finances for this Millennium.

It is a smarter, more cost effective, more time efficient and easier-to-follow system of credit and finance improvement that is on the market at this time—and in our opinion the best system of credit and finance management to ever hit the market that will assist consumers who are truly sincere about improving their credit and finances to a high level in a comprehensive manner!

After you read Managing & Improving Your Credit & Finances for this Millennium we are certain that you will be convinced that it does all that we state and will effectively give you the tools that you need to effectively manage your credit and finances for the rest of your life.

Nowhere else can you find a “3 Step Approach” that utilizes “7 words” that can totally transform your credit and financial life in a real and meaningful way!

Managing & Improving Your Credit & Finances for this Millennium  is the first in a series of finance and real estate books that will hit the market in the next few years (part of the Real Estate & Finance 360 Degrees Series of Books) that will re-define the way that consumers achieve success on a worldwide basis!

Now is the time for you to act!

Do it for your family, your loved ones and those yet unborn!

By Purchasing Managing & Improving Your Credit & Finances for this Millennium today—you can get started on a path of true success in your credit and financial future!


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Q: I notice your publication date is the same date as the 2012 presidential election—is that by coincidence or is there a reason for that?

A: As the author of Managing & Improving Your Credit & Finances for this Millennium I have highly anticipated the release of this book not based on my own concerns but based on what the book can do in the lives of consumers worldwide—on a daily basis!

You don’t have to be uncomfortable about your approach to improving your credit and finances if you have an appropriate and easy to apply system.

This site—when combined with our companion site—www.the-best-atlanat-real-estate-advice.com and Managing & Improving Your Credit & Finances for this Millennium gives you a powerful system of credit and financial management that we feel is unmatched by any system or approach in the personal finance industry.

We don’t apologize for having the most effective and efficient system of credit and finance management, however—we don’t romanticize how easy the process of credit and finance management can be for those who truly want success in their future!

The publication date of November 6th, 2012 was intentionally chosen to inform consumers worldwide that regardless of who is in office—or which party is running your country you can still attain major success in your credit and financial future!

We chose this date as a reminder to our readers that you can’t let the opinions or policies of others affect your financial and life destiny!

Furthermore, political parties or who is in charge in your country cannot control your future—you are the only one that can do that and it is important that you realize that at this time!

You can choose to blame your current situation on tax policies and what others in government are doing or you can choose to take action now and take responsibility for your credit and financial future and move yourself and your family forward!

You must realize that you control your thought process and what you can achieve in the future—and no one else!

You can’t let tax, monetary and other policies control your destiny when you have all that you need on the inside of you to control your and your family’s destiny in a manner that is in your best interest.

It is our belief that by purchasing Managing & Improving Your Credit & Finances for this Millennium you will be provided the best opportunity to control your and your family's future in a manner that will serve you well into the future.

Thomas (TJ) Underwood

Author,

Managing & Improving Your Credit & Finances for this Millennium

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