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How to Save Time Money When Paying Bills

27 July, 2015



What will you learn
in this e-book??

  • Learn
    how to not only save time and money and create a less stressful
    life, but learn some fantastic tips for saving potentially huge
    amounts of money.

  • Learn how to
    automatically (and freely) save tens of
    thousands of dollars on your mortgage (and shave years off the
    life of it) by following the tips on pages 21-23 of the e-book.
    I like setting things up once and then never having to fiddle with them again. For someone who does not want to go out and read about all of this stuff – this e-book is great. He explains it all

  • Learn how to absolutely, positively never
    pay a late fee on your credit card again. (see page 25-26.)

  • Learn
    how you can avoid late fees even if you don�t have
    Internet access and forget to mail your check on time.

  • Learn
    how bills can be paid automatically and free
    without using a computer. Learn the details of using these
    options that have been around for over 25 years. Learn all
    that you need to know about direct deposit and direct
    payment.

  • Learn
    how to enjoy vacations, trips and travel without worrying
    about paying bills or picking up your paychecks.

  • Learn
    how the typical homeowner can save $5
    to $10 on postage and service charges each month.
    Only two in five Americans understand that if they chronically fail to pay bills on time they will have a major problem in getting a home mortgage, according to a survey ……

  • Learn
    how the typical homeowner can stop writing 10 to12 (or
    more) checks each month (which equates to a few hours a month
    which can be enjoyed doing other things.)

  • Learn
    how you can help your chances of getting a
    better loan or mortgage rates.

  • Learn
    how you can automatically save money each month without
    doing a thing.So, one and one half hours (time savings per

  • Learn
    how to easily
    (and practically automatically) make 13 monthly payments a year on your mortgage
    and thus reduce your mortgage by many years, or, learn how to
    save an extra mortgage payment every year.

  • Learn
    how to improve your credit score.

  • Learn
    how to earn free stuff.

  • Learn
    the difference between credit and
    debit and check cards.

  • Learn
    how to charge a purchase and never
    get a finance charge.

  • Learn

    how to easily track your recurring monthly bills (like
    phone, gas and electric) whether you have a computer or not.

  • Learn
    all about the different types of
    online banking (did you know there was more than one option?)
    and the things to be aware of.


As you can see, this e-book contains much more information than
just how to cut down on bill paying. It takes the steps, which
some people take for granted, and uses them in ways to save
money and effort — which equates to saving time and hassles.

How exactly will this e-book benefit
yo
u —Survey says only two in five see a significant link between late bills, getting a mortgage.” Marcy Gordon, Business News, Naples Daily News, July 27, 1999 Just knowing these few things, can you not afford to consistently pay your bills on time??? (If you want to Learn the difference between credit and debit and check cards. Learn how to charge a purchase and never get a finance charge. Learn how to easily track your recurring monthly bills (like phone, gas and electric) whether you have a computer or not. Learn all about

  • Save money on . . .
      late
    fees
      service
    charges
      postage
      checks
      bank
    fees 

  • Save time by not . . .
      going
    to the post officeAre these things safe? Absolutely!! They are totally safe since they are backed by a Federal program that has existed for around 25 years. Where else can you get something totally safe, which saves you time, money and
      going
    to the bank
      going
    to the office, merchant or company to pay the bills
      writing
    checks

  • Less hassles . . .
      with
    running out of postage
      with
    getting bills paid on time
      with
    bank statement reconciliation

  • Less worry about . . .
      bills
    being paid on time
      having
    to pay bills every week or two

  • Improved . . .
      FICO
    scoreI guarantee that this investment will be recouped in 3 months maximum, or, I will refund the complete purchase price. How can I be so sure that you will save at least $14.80? (First we have to assume that
      credit
    ratingLess hassles . . . – with running out of postage – with getting bills paid on time – with bank statement reconciliation Less worry about . . . – bills being paid on time –
      interest
    rate on loans
      mortgage
    approvals

  • Increased 
    . . .
      savings
      charitable
    donations

  • You don�t
    need a computer, internet or web access for many of
    these tips (although it does help you)

  • And depending upon which steps you use, it
    is FREE.

Here
are some other things that you may not  be aware of—

Did
you know that �.

with all these
fantastically low interest rate offers that credit card
companies are now offering – that if you make one or
more late payments, your exceedingly low interest rate
could skyrocket to 20% or more?? (read the fine print on
these deals). By using the tips in this e-book, you can
be assured that your minimum monthly payment will always
be made on time and you don�t 
ever
have to worry about this problem � no matter where you
are in the world or if your computer is working or not.

Did
you know that �

by handling your money
wisely each month, you can make the equivalent of 13
mortgage payments a year. This will allow you to pay off 
a
30 year $100,000 mortgage in less than 23 years and save
you $45,000 in interest payments. (assuming 8%
interest). This can all be done automatically without
ever having to do a thing (after setting it up) and it
is absolutely FREE.

Did
you know that �

consistently paying
your bills on time can affect your credit rating or
loans?

‘….. a little-known three digit number
called your “FICO score” pretty much determines
whether you’ll get the house of your dreams or the car of your
fantasies.’

‘Many loan products, including some
home-equity loans and auto loans, are based almost entirely on
your FICO score.’

‘Payment history. This is the key
determinant of your score: thirty five percent of the number is
based on whether you’ve paid your bills on time.’

U.S. News & World Report Feb. 5, 2001,
pp. 54-55


In other words, your credit rating and
actual interest rates that you get on loans are determined, in a
large part, by your bill paying history.

Did
you know that �

Consistently paying your bills on time can
affect your home ownership?

As mentioned above, your FICO score plays a
big part in determining  credit
worthiness on mortgages, but


“Only two in five Americans understand
that if they chronically fail to pay bills on time they will
have a major problem in getting a home mortgage, according to a
survey …… by mortgage giant Fannie Mae.”

“…company officials called the lack
of awareness a new barrier to homeownership at a time when other
obstacles …… are diminishing.”

“A shadow falling across the otherwise
positive news [about a vibrant mortgage marketplace] is how many
Americans don’t fully comprehend the relationship between paying
bills late, having bad credit, and experiencing difficulties in
qualifying for a mortgage ….”

Survey says only two in five see a
significant link between late bills, getting a mortgage
.”
 
Marcy Gordon, Business News, Naples Daily News, July 27, 1999


Just knowing these few things, can you not
afford to consistently pay your bills on time??? (If you want to
read another few benefits of paying your bills on time, click here.)

Here are a few comments
about the book!!


Even though a good part of this information is
available on the net, I love the way he explained the
pros and cons of the various bill paying options and
told exactly how to set things up. 

I like setting things up once
and then never having to fiddle with them again. 

For someone who does not want to go
out and read about all of this stuff – this e-book is
great. He explains it all for
you.”                          
                                                 
 Lori,
Smyrna, GA  

ORif you’d just like to take better wedding and portrait pictures, then this might be the most important guide you’ll ever read.Here’s

“The explanation
for setting up a ‘biweekly mortgage payment plan’ was
outstanding. This system does not involve any costs and
runs automatically. Once I set it up, my mortgage was
paid automatically every month and at the end of a year
I have saved an additional mortgage payment. (Now all I
have to do is decide if I want to make a mortgage
payment with my savings or go out and splurge on
something) 

This system is just as good as the
ones offered by the banks and saves you the $200 or $300
set up fees (plus monthly fees.)”
                                                  
Liz,
Belmont, NY

Paraguay Per� Puerto Rico Rep. Dominicana Venezuela Uruguay USA Otros Suscribir Borrar Cursos Online Gratuitos Empleadores Selectos Candidatos Empresas Quiero Ingresar como

“I always worried
about making my MasterCard payment on time so I wouldn’t
get the late fee, but this e-book explained what I
needed to do so I don’t have these concerns. 

As long as I follow this method, I
should never have a credit card late fee again. That
eases a big burden for me.”
                                                  
Barb,
Franklin,
PA

In
short, the 5 step plan described in this e-book

  • will eliminate many hours a month sitting down and
    writing out checks to pay the same bills month after month after
    month

  • will
    eliminate late fees charged because the due date is
    about two weeks after the bill is received and then
    you don�t pay it right awayThis will allow you to pay off a 30 year $100,000 mortgage in less than 23 years and save you $45,000 in interest payments. (assuming 8% interest). This can all be done automatically without ever

  • will eliminate the hassles of dealing with debit card
    receipts and entering them in your check book (and also the
    problems that come with losing your receipts which later cause
    problems when trying to balance your check book)

  • will
    explain, in depth, all the details of the plans that
    can be used to accomplish these thingsKeep reading and we’ll tell you.) Who can use this information?? This five step plan can be used by anyone, whether you are a college student with one cellular phone bill or a homeowner with 10 to 15 or more bills each month. This five step plan will

  • will offer other a sundry tips on budgeting and managing
    your finances

  • will not
    cost you one single penny to do

  • and some of
    it will not require a computer or
    Internet access

Now
for some final questions to ease your doubts & concerns –


Are these things safe?

Absolutely!! They are totally safe since they are backed by a Federal
program that has existed for around 25 years. 

Where else can you get
something totally safe, which saves you time, money and hassles
and doesn’t cost you a thing? 

(Keep reading and we’ll tell you.)

Who can use this information??

This five step plan can be used by anyone, whether you are a
college student with one cellular phone bill or a homeowner with
10 to 15 or more bills each month.

This five step plan will only take you a
short time to set up and then you are on your way to a less
stressful life.

Is
this some
wild scheme set up by someone to take advantage of your
money?

No!!! Part of the system described in this e-book is based upon
a couple of Federal programs called Direct Deposit and Direct
Payment. Anyone using either one of these programs is protected
by the Electronic Funds Transfer Act of 1978, known as Federal
Regulation E.

If
I can get these things free, why should I buy this e-book?

To be perfectly honest with
you, you can
find out about these two programs yourself, but this e-book will
explain more than how they work. It will definitely cover all the
essentials of how the programs work (in addition to how online
banking works), but it will also take these programs and weave
them into steps or tips which will help increase your bank
account (again, without having to do a thing and not even having
to go the bank.)

Our
guarantee —
FICO by purchasing How To Save Time and Money When Paying Bills right now!!! You have nothing to lose and much to gain.
Simply
stated, we are so convinced that if
you apply and follow these steps, we guarantee that you will
save time, money and hassles, but if you are not 100% satisfied
with the booklet, or these claims, or the tips explained in it,
we will gladly refund your money. 

So don�t
delay and take advantage of this introductory special. For a
limited time, the price will be reduced from $39.95
to the price of two books of first class postage stamps which is 40 x 37
cents or $14.80.

By
following the
steps outlined in this
e-book, I guarantee
that this investment will be recouped in 3 months maximum, or, I
will refund the complete purchase price. 

How can I
be so sure that you will save at least $14.80
(First we have to assume that you will use the information
described in this e-book.)
 

Then, 

Reason
#1

If you are the typical homeowner, you will probably have at
least the following 14 recurring monthly payments: 

Mortgage
Car loan
Auto insurance
Life insurance
Cable
Telephone – cellular
Telephone – local
Telephone – long
distance
Water
Gas
Electric
Newspaper
MasterCard�
Visa�

If you
switch over from manually writing checks for each of these bills
to this automatic system, you will save: 14 stamps x $0.37 is
$5.18 per month or a savings of $15.54
in 3 months.

Reason
#2

You have the same recurring 14 bills mentioned above, plus, one
of those bills (like auto insurance) has a monthly service
charge of $2.00 every time you send them a check, plus, you
either pay a small late fee on one of your bills or have two
more recurring monthly bills then mentioned above. This equates
to:

14 stamps x
$0.37 is $5.18 per month + $2.00 (service charge) + $0.70 (late
fee or two extra stamps) is $7.88 per month or asavings of $15.76 in 2
months.

Reason
#3

You only have, say, three recurring bills each month but you
forget to pay your credit card on time.

So, 3
stamps x $0.37 is $1.11 plus $29 (typical credit card late fee)
or asavings
of $30.11
per month.

Reason
#4

We don’t even need to figure actual money saved on stamps, fees
or late charges cause we can look at your time savings. 

How much is
your actual time worth? Although this is dependent upon many
personal things, quite a few  people would be satisfied
with being paid $10 an hour for what they did at home.

By using
the steps outlined in this e-book, you should easily save
yourself an hour and a half or 2 hours every month of not having
to write checks, get stamps, go the post office, wait in lines,
etc.

So, one and
one half hours (time savings per month) x $10 per hour is a
savings of $15.00
per month.

Reason
#5

Lastly, if you apply any of the money saving tips throughout the
e-book, you will save your self anywhere from $10 per month to
$100’s or $1000’s in a year.

There you
have 5 simple reasons why I believe you will save the purchase
price of this e-book in 3 months or less.

Begin the
savings of time and money, eliminate all the hassles and
stresses that come with bills, and help improve your credit
rating and FICO by purchasing 

How
To Save Time and Money When Paying Bills
 



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