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SMART MONEY STRATEGIES FOR EVERY AGE AND SITUATION
Your 40s and 50’s—The Peak Earning Years

Section 4 of 11:
CREDIT:
What Exactly Is Good Credit?
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A solid credit rating is an extremely valuable tool in creating
wealth. If your rating is good now, do your best to keep it that
way.

On the other hand, if you are one of the many individuals who
have experienced serious credit reversals for a variety of reasons,
remember that is never too late to rebuild and re-establish your
credit.

The key is to emulate successful people who have also experienced
down times, and make a commitment to rebuild and move on. If
you have experienced credit challenges, follow the example of
those who have triumphed by continuing on and making a new
plan.

Use this report and the tips included to help you take control of
your credit obligations, increase your wealth, cut your taxes and
buy what you need when you need it without paying a king’s
ransom in interest.

Combined with the tips, techniques and action strategies included
in the other sections of this report, you can learn how to micro-
manage your funds so that your money multiplies itself.

Read on and reap the financial rewards!

Jordan E. Goodman
America’s Money Answers Man
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CREDIT:
What Exactly Is Good Credit?

If you have paid your bills on time over the last few years, you
should have established a solid credit record that allows you to
borrow as much as you need. However, if you have consistently
fallen behind in your payments or have defaulted on a loan, your
poor credit record will hinder you from borrowing.

While in your 40s and 50s, borrow less than you did in your 20s
and 30s,when you established your first home. Your biggest loans,
other than a mortgage, will probably be to finance your children’s
college education. Instead of taking on a loan to buy a new car,
consider leasing. If you run into a cash squeeze, you might need to
borrow against your employee benefits plans or life insurance
policies.

As you move into your late 50s, pay off far more debt than you
take on. Aim to pay off most or all your debt—except, perhaps,
your mortgage—by the time you retire. If you remain heavily in
debt at this stage of life, reexamine your budget, and cut back on
spending to bring expenses in line with income.

HOW TO REAP THE REWARDS YOU DESERVE!

Starting Now . . .

Use the following Resources, Action Steps and Extra Info to take
the next step toward your solid financial future.

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RESOURCE | RESOURCE | RESOURCE
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Credit Card Optimizer Kit

Tired of playing the credit card surfing game, constantly
transferring balances from one introductory offer to another?
Maybe you would rather just get the get the best credit cards for
your usage pattern and leave the surfing game to others.

The Credit Card Optimizer Kit give you all the information you need
in one simple 8-page report.

It lists the name and phone numbers of banks offering the best
credit card deals in five categories:

Lowest permanent interest rates—most below 10%

No annual-fee cards with low rates

Frequent-flier mile cards

Rebate and special promotion cards with rebates up to 5%

Secured cards if you have less-than-perfect credit

Each card listing shows the card’s interest rate, whether the rate is
fixed or variable, annual fee (if any) and whether it is a MasterCard
or Visa.

Click here to order the Credit Card Optimizer Kit .

You also receive The Insider’s Guide to Credit, a book explaining everything you need to know in order to understand and improve you use of credit.

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RESOURCE | RESOURCE | RESOURCE
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Everyone’s Money Book on Credit
by Jordan E. Goodman

Credit has become indispensable to everyday life in the United
States. If you take control of your credit obligations, you can
increase your wealth, cut your taxes, and buy what you need when
you need it without paying a king’s ransom in interest.

www.MoneyAnswers.com/bookstore/
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ACTION STEP | ACTION STEP | ACTION STEP
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Free Credit Reports

Sign up for a free 30-day trial at the Equifax website.
You can see your credit rating on a scale similar to what creditors
see as well as the detail of your credit report so you can spot any
inaccuracies.

Click here to sign up for your free trial with Equifax:
www.GuardMyCredit.com

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ACTION STEP | ACTION STEP | ACTION STEP
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Payoff All of your Debts
in 5-7 Years using the
money you ALREADY make!
DebtIntoWealth