Latest Articles by louiefrias http://www.articletrader.com/ Articles at ArticleTrader en-us Subliminal What? http://www.articletrader.com/self-improvement/motivation/subliminal-what.html http://www.articletrader.com/self-improvement/motivation/subliminal-what.html Sat, 05 Jan 2008 00:00:00 -0600
One of the controversies surrounding the existence of subliminal perception is its definition. Subliminal means "below threshold."

Before one can understand the subliminal techniques advertisers use to influence the audience, one must understand the vulnerabilities in humans they tap into. The human being is a complex creature. The same complexity that gives us the ability to manipulate objects also makes us vulnerable to manipulation. It is generally accepted that we possess various levels of consciousness.

For example, the state of consciousness while we dream is different from the state when we are awake. Psychologists distinguish consciousness into three levels.

Conscious-rational level, where people know what is going on, and are able to tell why. The second and lower level is called, variously, preconscious and subconscious but involves that area where a person may know in a vague way what is going on within his own feelings, sensations, and attitudes but would not be willing to tell why. This is the level of prejudices, assumptions, fears, emotional promptings and so on.

Finally, the third level is where we not only are not aware of our true attitudes and feelings but would not discuss them if we could.
Subliminal advertising, subliminal seduction, whatever you want to call it, is the key to achieving whatever you want in life. Your mind doesn't know the difference between a "real" thought and an "imagined" one, if the belief level is strong enough. Therefore the phrase, "Be careful for what you wish for", comes to make sense.

Most people simply dismiss those words as trite and insignificant. They don't understand the power they control. To effectively harness this power, one must commit to tricking the mind. You must imagine deeply that you "already have it." Whatever "it" is.

You must consciously put a request into the subconscious mind for whatever your goal is. You must see that goal every day. You must provide your subconscious the fertile ground it needs to grow your vision. You will begin to think differently in your waking hours. You must gravitate to those who already have what you have. You must think like they think when it comes to achieving your goals; if their goals are similar to yours.

Your mind controls your thoughts.

Watch your thoughts for they become words. Choose your words carefully for they become your actions. Understand your actions for they become habits. Study your habits for they will become your character. Develop your character, for it becomes your destiny.

What is your destiny?

The best book I've ever read on this topic is, "Think and Grow Rich" by Napoleon Hill.

Before the internet and early in my career, I bought and gave away over 300 copies to people who helped me become successful. That's how strongly I believe in the information in it.

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http://www.createyourownmlmleads.com/aboutme.html

Source: http://www.articletrader.com ]]> How To Never Get Ripped-Off When Getting A Mortgage http://www.articletrader.com/finance/real-estate/how-to-never-get-ripped-off-when-getting-a-mortgage.html http://www.articletrader.com/finance/real-estate/how-to-never-get-ripped-off-when-getting-a-mortgage.html Thu, 03 Jan 2008 00:00:00 -0600 The strategy of lenders is to maintain an uneven playing field with their clients. The average person only gets a mortgage every seven years. How can you become good at something you do every seven years, especially if you're dealing with somebody who knows all the ins and outs and is doing this several times a day?
Never before in the history of this country has money been so cheap and repossessed homes and personal bankruptcies been so high.
So, who's making all the money and how?
In a word..."Servicers"
The nations largest servicer of mortgages charges up to 1/2% of their loans held per year. As of June 2007, this servicer managed $1.415 BILLION. Do the math.
Their ONLY goal is to throw as much money on the street as possible. They don't care how it comes back because that's "...not their problem." That's where mortgage bankers and brokers come in. Mortgage companies hire loan officers to produce mortgages to sell to the servicers for sizeable "back end" commissions.
If you've been taken advantage of already, on behalf of this industry, I apologize. If you've not yet made that mistake, or are in the middle of a mortgage transaction or know someone who is... STOP!
Tip Number 1: Don't make a mistake and become another statistic in a time when foreclosures are at an ALL TIME HIGH!
Tip Number 2: Home prices will be leveling off soon and you'll want to be positioned to take advantage of that.
To be prepared, here's what you need to do...
Get educated. Be a hero to your family and friends. Maybe not now, but one day you will.
To learn how to protect yourself, visit: http://www.MortgageSelfDefense.com
My name is Louie Frias. You don't know me yet, but after reading this exposé on the mortgage industry's "dirty little secrets", you're going to be glad you do. I've made an insane living for over twenty-five years as a mortgage banker and broker. If there was a way to make a mortgage fly, I either knew about it or created it. If you want to learn what only bankers know but won't show you, please visit my website.

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Can be located at: http://www.MortgageSelfDefense.com/aboutme.html



Source: http://www.articletrader.com ]]> How Long Does Information Stay on a Credit Report? http://www.articletrader.com/finance/credit/how-long-does-information-stay-on-a-credit-report.html http://www.articletrader.com/finance/credit/how-long-does-information-stay-on-a-credit-report.html Wed, 02 Jan 2008 00:00:00 -0600 Bankruptcy information can stay on a credit report for ten years. Information about foreclosures is reportable for twelve years from the date filed. Garnishments, judgments, and tax liens can stay on the report for twelve years from the date of entry or for seven years from the date they were satisfied. Dismissed garnishments, judgments, and tax liens are not reportable.
Type of Information Length of Time Can Stay on Credit Report
General credit information Seven years
Collection Seven years from date of last activity
Bankruptcy Ten years
Foreclosure Twelve years from the date filed
Garnishment Twelve years from the date or entry or seven years from the date satisfied
Judgment Twelve years from the date or entry or seven years from the date satisfied
Tax lien Twelve years from the date or entry or seven years from the date satisfied
Dismissed garnishments, judgments, and tax liens Not reportable
A consumer can request copies of his or her credit report from the three credit bureaus and dispute information that is incorrect. Incorrect information can be corrected or removed, but correct information (good or bad) usually stays on the report for the period allowed. Only the credit grantor or credit bureau can remove correct information – the consumer cannot remove it.
Please bear in mind that these are current as of this writing and the length of time periods may change at any time.


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http://www.mortgageselfdefense.com/aboutme.html

Source: http://www.articletrader.com ]]> How To Be A Runaway Success In The MLM Of Your Choice Without Ever Talking To Friends Or Family http://www.articletrader.com/business/marketing/how-to-be-a-runaway-success-in-the-mlm-of-your-choice-without-ever-talking-to-friends-or-family.html http://www.articletrader.com/business/marketing/how-to-be-a-runaway-success-in-the-mlm-of-your-choice-without-ever-talking-to-friends-or-family.html Wed, 02 Jan 2008 00:00:00 -0600 All that is changing thanks to the Internet.
Doing business in the new Internet order doesn't require the same talents that the business world used to demand. Keep your head stuck in a monitor and never mind the doorbell. Thanks to the miracle of e-mail, anyone, without leaving their easy chair, can communicate with hundreds, thousands, even millions of others with the click of a key.
E-mail can be tightly targeted, only connecting you with others who share your interest. There are no frightening long distance bills, hours licking rolls of 32 cent stamps, or driving across town to knock on doors. E-mail is cheap, it's effective, it's open equally to everyone, and it's making huge waves in MLM.
Email is not only a powerful and inexpensive tool for prospecting, it provides for unprecedented sponsor support. By connecting a down-line to a list server (a large e-mail mailing list), distributors can be supplied each day with state-of-the-art sales letters. Distributors merely re-mail the letters to expand sales and membership. For the distributor, it is a simple process of re-addressing the letter with their own mailing list addresses (a three second operation), and instantly sending them out. As responses come back, the distributor can immediately reply.
People who hate telemarketing and opportunity meetings are really excited by the Internet method. These techniques are really revolutionizing prospecting. Days, weeks, even months are shaved off the recruitment process. That may not be the case for long. Other MLM's are watching and taking notes, some with interesting innovations of their own.
MLM e-mail marketing is capitalizing on the very personal, equality-for-all nature of the Internet. It doesn't matter whether you are the President of Microsoft or a janitor in Yuma, Arizona. The Net is free, it's powerful, and your success in making it work is only limited by your creativity and your desire to do what ever it takes to make it big.
The beauty of multi-level marketing is how it combines individual people into massive distribution networks. By joining hands, millions of individual distributors can go toe to toe with the Walmarts of the world. It used to be that the little guys were stopped dead by their inability to communicate quickly to large organizations.
Email and the Internet have changed that. The janitor in Yuma now CAN pass information back and forth over a huge network consisting of thousands of associates, merely by dialing his modem into the local Internet provider. His access to large stores of cash and transportation are no longer an issue. His only limitations are his creativity and desire to make it happen.
Given this new paradigm of Internet operation, MLM is changing rapidly. Gone are the days when you had to hound an uninterested neighbor into attending an uneasy party in your living room. Today's e-mail MLMer is busy creating virtual communities of super-charged believers. Network marketing, once looked down upon by many traditional business people, is now turning out to be the organizational structure of choice on the Internet. The independence and freedom of MLM distribution networks fit hand-in-glove with what the Internet does best.
If you're doing business using these methods, you're going somewhere FAST. If you've not yet learned the techniques and tactics necessary to master becoming an internet commander. start learning them fast.
If you've read other articles by me, you'll know the MOST effective method of subliminal promotion is through incredibly crafted, easily created "tag lines".
In that article, I've given you an easy to follow formula on how to create your own.
My bio is available at: http://www.CreateYourOwnMLMLeads.com/aboutme.html

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http://www.createyourownmlmleads.com



Source: http://www.articletrader.com ]]> How Equity Thieves Work http://www.articletrader.com/finance/mortgage/how-equity-thieves-work.html http://www.articletrader.com/finance/mortgage/how-equity-thieves-work.html Wed, 02 Jan 2008 00:00:00 -0600 In my research, I picked up a story about an unsuspecting homeowner who was just minding her own business when this "knight in shining armor" rode up to save her.

This was no knight; this was a genuine wolf in sheep's clothing.

Here's the set up: (This is actually a true occurrence, circa December 2007) Delinquent mortgage information is freely available daily through a myriad of reporting services.

Borrower "X" falls behind on their mortgage payments. The existing balance is approximately $180,000. The value of the home was estimated to be $300,000. The mortgage broker contacted the borrowers and promised to help them secure new financing and avoid foreclosure.

Now begins the con. It involves a host of thieves from the mortgage broker, to the appraiser, to "straw borrowers". It's known as "Equity Stripping" and it can involve one or more mortgages and multiple participants. The homeowner is persuaded to sign over the title to the "buyer" who takes out a new mortgage for 100 percent of the homes' value.

The homeowner is convinced that the paperwork merely states they would be able to rent the home with an option to buy it back in the future.

In this scenario, after closing costs, fees, and past-due payments, $100,000 in cold hard cash was left on the table. A check for that ENTIRE amount was made out to the broker.

The fun doesn't stop yet... The first straw buyer didn't make the mortgage payments so the broker recruited a second straw buyer to purchase the home. A second appraisal showed the home had increased in value to $415,000.

After a second closing with the second straw buyer, the broker pocketed ANOTHER check; this time for $110,000.

The original homeowners were unaware of the second purchase or that the mortgage payments were not being made.

Neither buyer had plans on making any mortgage payments so the home went into foreclosure. The original homeowners lost their house.

Thus the con mans plan worked out wonderfully - for him.

This is NOT an isolated incident. Case after case after case are being submitted to Attorney General's all over the nation. The con works because people are so desperate to prevent losing their homes to foreclosure that they'll believe anything anyone tells them. It's misuse of the public trust.

If you're ever in such a situation, seek competent help through your mortgage servicer or contact FreddieMac or FNMA to ask how to protect yourself.

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http://www.mortgageselfdefense.com/aboutme.html



Source: http://www.articletrader.com ]]>