Everand Logo

Welcome to Everand!

  • Discover millions of ebooks, audiobooks, and so much more with a free trial

    Only $11.99/month after trial. Cancel anytime.

    Plan A Better Life
    Plan A Better Life
    Plan A Better Life
    Ebook176 pages2 hours

    Plan A Better Life

    By S. D. Wright

    ()

    Read preview

    About this ebook

    "Plan a Better Life", reveals critical credit restoration techniques, it also serves as a practical guide or 'road map' for the reader that when followed ultimately places the reader squarely on the path to home ownership as well as building wealth. The practical wisdom found within this material and it's pragmatic approach to rebuilding a credit profile along with solid financial strategies has transformed thousands of lives.

    "Plan a Better Life" is the blueprint to attaining homeownership and it's author, S.D Wright is considered to be 'the architect of homeownership' in many financial circles. This publication has been shared and distributed to thousands of clients by Mortgage professionals and subsequently it has prepared them for one of the largest investments they've ever made! The detailed plans and shared resources disclosed in this writing not only guarantees homeownership but more significantly it takes the stress out of the house buying process and builds confidence. It is important to note that "Plan a Better Life" is a collaboration of methods and procedures shared by Lending professionals and real estate practitioners with more than 50 years of experience in the housing sector.

    The strategies outlined in this manual by S.D Wright have been applied not only by the average homeowner,  but also by small hedge fund groups to acquire and build single family residential property portfolios. The financial principles delineated within have allowed these investors to maximize the profitability, performance and value of their real estate portfolios, thereby building great wealth. The same principles when applied by any individual ultimately has yielded the same results!

    "Plan a Better Life" is a well documented process geared specifically towards the home purchase transaction. Many of these passages describe in detail the mechanics of the loan underwriting process, qualification criteria's as well as contract negotiation. The resources shared here such as credit cards for slow credit, mortgage loan programs for less than perfect credit, even investor single family, multi-family loans have made many real estate entrepreneurs. This publication contains a detailed plan to take you from homeownership to wealth building.

    LanguageEnglish
    PublisherS. D. Wright
    Release dateAug 21, 2018
    ISBN9781386028475
    Plan A Better Life

    Related to Plan A Better Life

    Related ebooks

    Finance & Money Management For You

    View More
    View More

    Related podcast episodes

    Related articles

    • Article

      What Drives Rental Prices?

      Nov 28, 2019

      Recently I purchased a new property which came with an associated rental appraisal from the real estate company’s in-house property management team. It was a nice bit of marketing, but not much else. I have always struggled with real estate companies

      2 min read

    • Article

      Build-to-rent Will Cost

      Jun 27, 2019

      Build-to-rent Will Cost
      2 min read

    • Article

      Seven Keys To Investing Successfully For Retirement

      Apr 24, 2021

      YOUR early working years can be hectic, with long days spent navigating a fast-changing world, and your partner, perhaps even a young family, placing multiple demands on you. How are you supposed to plan for the long term, choose an investment portfo

      2 min read

    • Article

      Landlord’s Toolkit

      Sep 2, 2020

      Landlord’s Toolkit
      9 min read

    • Article

      Selling A Lifestyle

      Mar 1, 2022

      Derek Thomas is a legacy. The Compass broker associate grew up watching his dad navigate real estate investment in the local market, and the affinity trickled down. By the time he hit 30, he was performing in the top 1% of Denver realtors, and he’s s

      1 min read

    • Article

      So, You Want To Sell…

      Apr 24, 2020

      So, You Want To Sell…
      5 min read

    • Article

      Investor Myths Busted

      May 2, 2019

      Investor Myths Busted
      6 min read

    • Article

      Beginner’s Guide To Self-build

      Aug 26, 2021

      Beginner’s Guide To Self-build
      9 min read

    • Article

      Dogged Determination

      Jul 29, 2021

      Dogged Determination
      4 min read

    • Article

      Trans-tasman Tax Issues

      Dec 2, 2021

      Matthew Gilligan is a property investor, developer and tax adviser. He is managing director of chartered accounting firm Gilligan Rowe & Associates, where he heads the specialist property and asset planning divisions. Kris Pedersen of Kris Pedersen

      5 min read

    • Article

      A Creative Way to Divorce-Proof Your Premarital Assets

      Dec 28, 2020

      Whoever said “money can’t buy happiness” has never paid for a divorce. Paul Tommins should know … he’s paid for two of them. This is an area we are regularly contacted about. His divorces – expensive as they were – came with silver linings.  Free of

      2 min read

    • Article

      To Trust Or Not To Trust

      Aug 1, 2019

      To Trust Or Not To Trust
      6 min read

    • Article

      Real Estate Agents Face Danger on the Job

      Dec 7, 2017

      CHICAGO - Sonia Figueroa was spooked. So she decided to get a gun. The Century 21-affiliated real estate broker has been working in Chicago for more than a decade. She knows the basics of staying safe, tactics many in the field said they follow: Let

      4 min read

    • Article

      Property Rules

      Dec 12, 2018

      Property Rules
      2 min read

    • Article

      Tips To Help Landlords

      Jun 30, 2022

      Tips To Help Landlords
      3 min read

    • Article

      PODCAST: The 2022 Real Estate Market with Daniel Bortz

      Mar 23, 2022

      Apple Podcasts | Google Podcasts | Spotify | Overcast | RSS David Muhlbaum: Houses are scarce. Home prices are high, and the all-cash offer is king. We’ll talk about buying or selling a house in this market with contributing writer, Daniel Bortz. Als

      17 min read

    • Article

      Q&A

      Jul 28, 2022

      Q&A
      10 min read

    • Article

      Q&A

      Mar 31, 2021

      Q My husband and I are retired and still have two adult children at home. We have $550,000 in self-managed super, which is just sitting in our Commonwealth Bank account, on which we received a return of $23.37 for January 2021. We also have $235,000

      7 min read

    • Article

      Ask Dr Louise

      May 14, 2021

      Q My manager has told me I will be retrenched at the end of the month as the company has no alternative but to cut back on staff. Although I thought this might be an option, I never thought it would happen to me as I’m a very diligent and responsible

      4 min read

    • Article

      Get Ready, Get Set, Retire

      Apr 15, 2020

      One of the perks of being a financial adviser is talking to clients after they've retired and sharing in their happiness. It's a pleasure to witness the transformation of so many retirees as they recover from the stress of working, commuting and alw

      4 min read

    • Article

      Q & A

      Aug 25, 2022

      Send your questions to: Ask Paul, Money magazine, Level 7, 55 Clarence Street, Sydney NSW 2000 or money@moneymag.com.au. Sorry, but Paul can’t personally answer your questions other than in the Q&A column. By submitting your question to Money, you co

      10 min read

    • Article

      10 Years Of Sensi Swim

      Mar 29, 2023

      10 Years Of Sensi Swim
      6 min read

    • Article

      Hit The Health Jackpot

      May 5, 2019

      Hit The Health Jackpot
      11 min read

    • Article

      I Wish I Had Done This Years Ago: All Too Common Financial Regrets

      Aug 12, 2019

      I was recently enjoying dinner with my husband and our three children at our local country club. It was a relaxed and comfortable setting, the perfect place to spend a weekend with the people I love after a long workweek. As I sat across the table f

      3 min read

    • Article

      Planning Your Child's Financial Future

      Dec 15, 2021

      What's up, everybody? It's your boy, Brandon Copeland, aka Professor Cope, and you are now tuned in to another episode of Cope'ing With Money. This particular episode of Cope'ing With Money is very special because my wife Taylor and I recently welcom

      5 min read

    • Article

      Reverse Mortgage Would Help Cover Living Costs

      Nov 2, 2022

      Q I am 67 years old and don’t have a large bank balance. When my funds dry out, is it safe to get a reverse mortgage? Not knowing whether it is a safe option, my thoughts were that it was best to ask your opinion on this situation. Thank you. What an

      2 min read

    Related categories

    Reviews for Plan A Better Life

    0 ratings

    0 ratings0 reviews

    What did you think?

    Tap to rate

    Review must be at least 10 words

      Book preview

      Plan A Better Life - S. D. Wright

      LEGAL NOTICE

      The Publisher has strived to be as accurate and complete as possible in the creation of this report, notwithstanding the fact that he does not warrant or represent at any time that the contents within are accurate due to the rapidly changing nature of the Internet.

      While all attempts have been made to verify information provided in this publication, the Publisher assumes no responsibility for errors, omissions, or contrary interpretation of the subject matter herein. Any perceived slights of specific persons, peoples, or organizations are unintentional.

      In practical advice books, like anything else in life, there are no guarantees of income made. Readers are cautioned to reply on their own judgment about their individual circumstances to act accordingly.

      This book is not intended for use as a source of legal, business, accounting or financial advice. All readers are advised to seek services of competent professionals in legal, business, accounting, and finance field.

      This manual is written in Arial; therefore, you are always encouraged to print this book for easy reading.

      Table of Content

      LEGAL NOTICE

      PREFACE

      INTRODUCTION

      CHAPTER 1: Build Your Survival Foundation

      Essentials to Repairing Your Credit

      Steps to Credit Repair

      Repairing Your Credit Ratings

      Understanding The Fact

      Understanding Credit Files

      Takes Observation

      Stop, Think and Listen

      Using Pre-paid To Builds Credit

      The Importance Of Credit Reports

      CHAPTER 2: Assumptions & Preventions

      Avoiding Bad Credit and Repair Credit Hassles

      Avoiding Complications for Home Owners

      Avoiding Credit Declinations

      Avoiding Payday Loans

      Interruptions In Bad Credit

      Using Bartering System To Restore Your Credit

      Bills are due and Credit Repair is in Place

      CHAPTER 3: Credit Building Ideas and Strategies

      Caution You Need To Observe When Building Your Credit

      Building Credit and Stopping Creditors

      Building Credit History

      Bad Credit Building Credit

      Building Credit in Despair

      Building Credit Preventing Repair

      Credit Building Strategies

      Building Credit Repair

      Building Credit to a Better Future

      Cooperation Credit Repair

      CHAPTER 4: Creditors Calling it’s Time to Repair your Credit

      Avoid Going To Court

      Collection Agency

      Where to Get Credit Resources?

      Do it yourself Credit Repair

      Defaults

      Identity Theft Victims

      Skipping to Build Credit

      CHAPTER 5: Credit Repair System

      Cut Back Credit Repair Solution

      Debt Counseling Solutions

      CHAPTER 6: Establishing Credit, the Great Task

      Government Credit Repairs

      Student Credit Repair Solutions for Building Credit

      Keeping Track to Repair and Build Credit

      Knocking Down the Debts with Credit Repair

      CHAPTER 7: Options to Avoid in Credit Repair and Building

      Requesting Payment Options to Repair Credit

      Laws in Credit Repair

      Lawyers are not always a Good Solution

      CHAPTER 8: Solutions to Repairing and Building Credit

      Reversing Credit Repair

      WARNING About Credit Repair

      CONCLUSION

      PREFACE

      Hello friend, I’d like to extend my warmest greetings and congratulate you on taking the first step to rebuilding your credit, improving your life and achieving your dreams! If your goal is to improve your financial situation significantly, (which I believe it is or you wouldn’t have purchased this book), I can personally guarantee you that you will if you follow the steps outlined in this material. I can extend this guarantee because I’ve personally used this process to repair and rebuild my own credit. I went from a below 460 credit score along with judgements, collections, inquiries, late pays, you name it, to an over 700 credit score in a matter of months.

      I can also empathize with anyone in the same situation. My credit profile was most certainly in the proverbial toilet due to life situations that most of us encounter, mine happened to be the result of an ugly divorce. I’m happy to report that not only did I survive the divorce but in the process of picking up the pieces of my life I met the love of my life who was also in the very same situation. Together we inspired and consoled one another, took our rugrats from the failed marriages (at the time he had a 12year old and 9year old son, I had a 5year old daughter and 3year old son) and rebuilt our lives. I’m also happy to report that we’re the happiest that we’ve ever been and currently have a 14year old daughter together. (We call her our love child)

      I’m sharing these intimate details of my life so that you’ll understand why we’re doing what we do. It was because of this life experience that my husband and I decided to publish this manual. We know what it feels like to be treated inferior to others with better credit because we’ve been there. From being turned down for housing when we desperately needed it for our children, to being turned down for jobs when we desperately needed it for our children. However, as the old saying goes take lemons and make lemonade and that’s exactly what we did. In hindsight we are now grateful that we had the experience because we wouldn’t have learned how to rebuild our credit profiles and achieve what we have so far. We went from credit scores in the toilet, denials for housing, jobs, credit cards and car loans to over 700 credit scores, purchasing several homes as primary residences and investment properties!... and you can do the same!

      We were so successful at rebuilding our credit, improving our lives and achieving our dreams that we decided to help others do the same by becoming full-time professional real estate consultants so that we could help others realize the American Dream of homeownership. As licensed real estate consultants we have helped literally hundreds of people get into homes by educating them on credit and rebuilding their personal credit profile. That being said we discovered that we’d like to help even more folks like yourself, and so here we are.

      Before you delve deep into this manual I’d like to inform you that this is not your run of the mill basic credit repair manual. Our goal has always been to educate people, and once armed with knowledge most often the same folks never encounter the same situation and even if you do you’ll always know the process of rebuilding and can do it over and over again. As the old saying goes Give a man a fish and feed him for a day, teach a man to fish and feed him forever. As you read this book and begin to apply the strategies outlined in it you’ll see your life changing before your very eyes! Are You Ready?

      As the reader of this book I don’t know you personally and I don’t pretend to know how dire your situation may be due to bad or insufficient credit, however I do know that undue worry will not help the situation at all. Speaking from experience, ‘troubles are a lot like people – they grow bigger if you nurse them’ and I mean this literally. I learned this lesson not long after the divorce that I mentioned to you earlier on. I’ll share my experience in hopes that you can relate. At the time I relied on my ex-husband to pay the bills (huge mistake as he was horribly irresponsible). I was living in Fort Myers, Florida and worked at United Telephone company as an operator. One day when leaving my apartment for work, I entered the parking lot with the keys to my 1989 Suzuki sidekick in hand. The only problem was (you probably guessed it) there was no 1989 Suzuki sidekick there, my very first repossession had taken place. I walked three miles to work in the blistering Florida heat, needless to say very late for work with an irate supervisor waiting on me. She gave me what was called on the job then, ‘an occasion’. Company policy at the time was that if you racked up more than three occasions you were written up and on your way to suspension if not termination. Thus, the beginning of a boiling pot running over! I was a fairly new employee to this company at the time, so needless to say making a good impression was paramount. To get directly to the point, my life at the time was much like a pot always about to boil over (or at least I made it that way in hindsight). I let the pressures of 1) trying to impress a verbally abusive, derisive new boss, 2) trying to raise two young children (one of which is physically handicapped, my 5year old daughter at the time), 3) cope with an irresponsible, unfaithful husband affect my health. I dwelled un-necessarily to long on my problems or challenges I like to say now. It was a real challenge trying to please my new boss and be there for my children when their school called saying they were sick (I know a lot of single mom’s out there can identify with this one). And on top of it all put up with an immature, immoral husband. I used to call him my oldest child because most of his fickled decisions led us to repossessions and evictions. You heard it right, this happened more than once, so you can only imagine what my credit report looked like! Anyway, long story short I left work one day at the request of my supervisor. She told me I looked absolutely terrible, my hair was coming out at this point and she said that I was dressed like a homeless person. That’s when I decided to get a grip on my woes so as to be there for my children and not focus so much on my financial situation. I started to live by a famous author’s words, "Drag your thoughts away from your troubles... by the ears, by the heels, or any other way you can manage it. ~Mark Twain

      I don’t know about you but I can surely testify that there have been so many times especially during that period in my life when I didn’t know how the rent would be paid, how the car would get repaired or even how I would get care for my sick children when I needed to go to work. And somehow things always worked out, an unexpected check or repayment of borrowed funds to pay the rent, a kind neighbor that was mechanically inclined to fix my car far less than a repair shop and then there was always a nurturing mother in the neighborhood that didn’t mind sitting with my children when they were sick. So please don’t worry about your present circumstances, through your own efforts and prayer you will always get through.

      If I knew then what I know now I would not have spent one day, no not even one minute worrying about debt or credit, because in my mind I thought this was something I would have to struggle with for many years to come, however the situation is quite the contrary. There is a specific process that if followed diligently can shorten a financial situation similar to the one I had within months. Since learning this process, it has changed my life more than I can speak in volumes, it is true of the Chinese proverb Learning is a treasure that will follow it’s owner everywhere. Again, I’m sharing these things with you in an effort to set your mind at ease.

      INTRODUCTION

      Credit Repair is defined as a method of disputing or rectifying discrepancies presented on credit bureau reports in order to obtain the highest and most exact ratings for consumers.

      Among the most crucial matters to think back is regarding credit problems

      Enjoying the preview?
      Page 1 of 1