After nearly 10 years of bringing you the best in education "By Special Arrangements, Inc." through events offline and online, through products and services designed to increase your wealth, and coaching; I’m changing my focus from your fortune to my family.  

My resignation is effective immediately; however, my resolve to help you will never end.  Whenever and whereever we meet, let’s talk business, wealth and success.  The business is in the most capable hands of the remaning By Special Arrangements team and family.

I know the best in personal, professional, and financial development will be found here for years to come.

Paulie Sabol

In a generally tight credit market, collectively, $15-million in lines-of-credit are being tapped.

Specifically, $10-million by the Democratic National Committee and another $5-million by the Republican National Committee.

They have borrowed money to fund the political campaigns on their candidates, as well as further political agendas on the issues.  This news is of  particular importance to you because it addresses one of the common credit millionaire questions:  "Do lenders loan money for marketing efforts?"

The answer is YES.

Further, when you consider that by very definition, 50% of these campaigns will fail, what makes it possible for lenders to say, "Yes"? 

Lenders say yes because these groups have already built up a community of likeminded people to whom they can go out with an offer.  In this case an offer that basically says:  "Give us money so we can get a job."  :)  In other words, they committees have borrowed money to fund their campaigns that allows them to ask for more money.

In your business, that might be the equivalent of borrowing money to pay for a direct mail campaign to find investors in your business, or business partners for a project, or simply customers.  Banks would lend money to a future marketing campaign if you show them you have a hungry market of people waiting that have already asked YOU for your product.

With that stated, every Credit Millionaire should be developing his or her own community list of subscribers and like minded people.  Your contact list is an asset in your business, both on your spreadsheet and in your credibility kit.  Thankfully there is technology which can help.

Here’s the recomended online solution to build a community that can allow you to borrow 7- or 8-figures for your marketing. 

Today, Wall Street recovered nearly 63%.

Depending on a vote on Thursday which has major impacts regardless of how it falls, the markets will likely tank again or
recover that last 1/3.

Most people are tossed about by these changes caught in their grips with few if any options.

However, there is one major way to win…

Be fully educated.

That’s really it…

…at the core the checklist to avoid any recession is to get educated.

And in a moment, you’ll prove it to yourself.

First, be aware of a no cost opportunity to get educated.

Go ahead and visit the "Crisis" page at www.TightMoneyMillionaire.com/crisis/

In the mean time, consider the claim that all you need is education.

Knowing there would be a vote on Monday I used specialized knowledge not to know the specific future, the exact direction, or even the full impact of the market.

All I knew was what anyone would know…

…something was going to happen.

I purchased something called OPTIONS which allowed me a LOT of leverage.  And I purchased both PUT options and CALL options in equal numbers.

What this ment is, yesterday, I made money as the market fell. And today, I made more money as the market went up.

Most people are totally unaware of options at all.  Many of those who know about them think they’re "risky"…

…and even those who know and don’t make quick judgements don’t know about what I did … called a "Combination"

With all that said, go ahead and spend a little time getting yourself educated for free at:

www.TightMoneyMillionaire.com/crisis/

Warmly,

Paulie Sabol

Upon my return from Alaska, I discovered that my both my Barclay’s Bank cards (Carnival Sea Miles card and iTunes Rewards) suffered a huge limit reduction.  It was like $10,700 had been stolen from me overnight.

Specifically, the company lowered my credit limit and set it to $50 above my current use.  In fact, based on some charges in Canada that were pending, in a few days, I would be pushed over limit.  Here’s how it looked when I logged in…

Donna nd I have repeatedly warned our coaching students In the Tight Money Millionaire program that this is likely to happen.  In fact, the same practice happened to several members of that 12-hour-a-month coaching program, as well as Credit Millionaire Donna Fox herself.

When it happened to Donna it was shocking news.  Despite her great credit score and spotless credit history, she was left feeling like she had done something wrong, and she didn’t respond to the credit line reduction. 

This time we were prepared with the information and able to handle the issue swiftly and effectively.  Here’s the history.

I logged into my credit card account and entered an email complaint. 

Here’s the response I got back.

Following this I called the number. 

The process was involved and significant.  There were many "traps" built in and being ready for them was key to having success.

Because of the criticality of being above this trend, I will be covering every element of it tomorrow Wednesday September 17 in the Tight Money Millionaire program.  However, what you want to know before you enroll for this special training for $1 (if you’re not already a member) or be sure to dial in (if you are), is the results.

Here they are…24 hours later, I logged in to see…

Interestingly, you can see the transaction which would have put me over the limit that cleared yesterday!

While the Tight Money Millionaire program may seem to be only about finding credit when the financial markets "burn", and it is very much that because each and every month we have members who secure the financing they need to get going and get growing…

…however, the Tight Money Millionaire is about any aspect of business, marketing, investing, finance, and corporate credit.  Basically, you bring your questions and you get Donna Fox and myself, Paulie Sabol, to attend to your biggest burning issues with our specialized knowledge, contacts, and innovations.

So if you’re not already a member, go ahead and enroll right now for a $1 trial for the first month!  (Remember, you can cancel at any time and the investment to continue is about $1.66 a day ($49 a month!).

To enroll click the link here or any of the other links.

Our lust for low cost money above all us is bringing new assaults to our privacy.

An FTC suit against CompuCredit offers reveals a credit scoring mechanism that Donna Fox, myself, consumer advocates and politicians have suspected—purchasing behavior, not just purchase repayment, matters.

CompuCredit monitors spending in order to reduce open credit lines based on where their cards are used.

Among the line reducing locations: tire and retreading shops, massage parlors, bars, billiard halls, and marriage counseling offices.

CompuCredit maintains that the FTC’s lawsuit is without merit by saying "Everyone’s Doing It":

Rohit H. Kirpalani, CompuCredit’s general counsel, says
"These scoring models are commonplace across the industry."

The biggest worry for Credit Millionaires, beyond replacing the C’s of credit with:

* Color
* Creed
* Citizenship
* Conformity and
* Consumer Choices

Is how readily does our entrepreneurial purchase behavior cause us to lose our lines-of-credit?

Will your repeatedly buying large amounts of rehab material at Lowes, Home Depot, or Menard’s flag you as a real estate investor, contractor, or developer?

Will your being on autoship for a network marketing company get you flagged as using your personal card for business?

The possibilities are endless.

So while the fear that the credit scoring system may bias their calculation to weed out borrowers based on race, gender, sexual orientation, religious or political affiliation, Donna Fox and I are very concerned it will be used in the ever growing anti-preneur movement.

While the concerns are real, Donna Fox and myself are not the type to report gloom and doom since we believe these "stops" to really be Obstacle Illusions.

In this case, the responses are obvious.

1)  Be willing to pay a little more for your funds. 

Remember it’s not COST OF FUNDS, it’s RETURN ON INVESTMENT.

One of the best solutions is to use convenience checks and deposit the needed money in your checking account.  Then write checks or where possible pay with cash!

2) Focus on real business lines of credit.

Work on building actual business lines of credit so your entrepreneurial purchasing behaviors are normal and not cause for alarm.

You can do this for yourself over time, with a little help from Donna and myself in our weekly coaching program, or you can work with some of our vendors who will as much "Do it for you" as possible.

and

3) Join consumer advocacy groups in advocating these spying like practices stop.

Here’s what was sent back to me.

"It’s like Texas Hold’em, it’s a zero sum game. There’s no product,
someone has to lose for you to make this gain. Good Luck and hopefully
one day you won’t be the one leaving the table a little light."

There are three major "problems" with this email response and
I will detail each.  In brief they are the following:

1)  The writer suggests that the "addition of a product" is important
to ensures there is a better than zero "sum" game.

2) The writer, like the rest of us, may benefit from a reminder of
passive and active, as well as, business verses investing.  Because
the comments confuse semi-passive investing with active business.

and the big one.

3)  The writer assumes that I cannot win without someone losing.
This is patently not true and I will show it.

I’m not sure what the author does or why specifically he reads my
emails.  However, since he focuses on "Product", I wonder if he’s
more of an information marketers or network marketer?

Most real estate investors (the majority of our readers) wouldn’t
mention a lack of "product" as an objection.

However, I want to address this misunderstandings I listed
above in order.

1)  The writer suggests that the "addition of a product" is
important to ensures there is a better than zero "sum" game.

Texas Hold’Em (and trading) is often a LESS than zero sum game
when you factor in taxes and transaction costs.  And for the "casino"
(or investment company) there’s a fix-expected win value.

And of course most things are. 

A product doesn’t in and of itself make some transaction "win-win"
or "greater than zero sum".  Products do not address this objection. 

For more on  this see the classic "Broke Window" economic parable.
Which points out that just because the "window maker" gets business
after the pie baker has a broken window this does not mean that the
economy has "grown".

Furthermore, it would be worthwhile to point out if an "employee-
employer" relationship isn’t MUCH LESS than ZERO SUM, then it
doesn’t make sense for the employer in which case the employee
will almost assuredly lose his or her job (unless the employer is
the government)

Having brought up the issue of employment and managements,
we now have the perfect segue into the next critical point.

2) The writer, like the rest of us, may benefit from a reminder of
passive and active, as well as, business verses investing.  Because
the comments confuse semi-passive investing with active business.

Passive investing is about generating wealth off your wealth without
your personal labor.  Fundamentally there is not a "product" though
there may be a "service" such as lending.

However, most economic models are only "non-zero-sum" games
because of psychology.  That is, the tenant sees "shelter" as worth
more than the "rent".  And the property owner sees the "rent" (and
perhaps the appreciation, etc) as worth more than the risks of
ownership and the reduce rights of occupancy.

The sale of a "product" happens because the possessor of the
money sees the "benefits" of ownership as higher than the value
of the stack of money paid.

This is perceptual.

In an active business, the goal is a maximize revenue.  And it
allows one to identify where there can be better-than-zero-sum
games. 

However, it’s important to know that theoretically and solution
which is "better-than-zero-sum" requires increased complexity.

(For example, one community has a surplus of bananas the
other a surplus of apples.  They can trade, "dollar-for-dollar"
and while on the surface it seems zero-sum, it is not. But it
also didn’t create "wealth" but rather "lifestyle"

3)  The writer assumes that I cannot win without someone losing.
This is patendly not true and I will show it.

As to MUST someone have "lost" in order for me to have had
the huge wins I did, the real answer is …No actually not. 

But even more, it relates to statement #2.  Who said it’s a goal of
Passive Investing that "everyone win?"  It’s the goal of passive
investing that my money make money for me without my efforts.

Back to this specific point.

There are two major uses of the tools you learn about in the
www.LeverageDVD.com one is for leverage (the use I think you
will most enjoy) and the other is for hedging (protecting against
a downside risk).

That is, one who makes the investment with the goal of making
money can be doing it with someone else who has the goal of
preserving a given profit level (by removing the variability of any
market pressures).

At the core, for many this kind of trading is not so much a game
of  "Texas Hold’em" poker, as it’s like being able to an insurance
agent.  You are paid a premium to take on some risk.  And both
you the seller of the insurance and the buyer of the insurance
actually HOPE neither of you need it.

And in fact, 90% of these "policies" do expire without a "claim".

That’s actually a huge value producer.  Without it, we for example
would be paying even MORE money for the food.

There are more examples that can be given here. 

For now, you may want to continue your education here with
a "free training" (you actually pay for the shipping) and the
free month trial of AJ’s coaching with the www.LeverageDVD.com
provided he still has some available. 

Warmly,

Paulie Sabol

This advertisement above is for a website often recomended by the Credit "GURUs" who I guess don’t actually read the law or their updates. Because they give this website as where to get your free credit report.

That’s half true…

And you know what they say about a half-truth… …it’s a whole lie!

The epidemic is so widespread, this issue was recently covered in the New York Times. Here’s a segment.

Mr. Steele, 27, remembered a number of commercials for FreeCreditReport.com featuring a young slacker singing about various life problems — living in the in-laws’ basement, dressing as a pirate to wait on tables in a seafood restaurant — all because he had neglected to check his credit score.

So Mr. Steele headed to the site and filled out the information form, including his credit-card number, which he thought the site needed to verify his identity. But a couple of months later, Mr. Steele noticed the site had been charging his credit card.

While he believed he had signed up for a free report, he had actually enrolled in a credit-monitoring service that cost $14.95 a month. He says he never expected that it would cost anything. "It’s called FreeCreditReport.com," he said. "It’s kind of easy to make that assumption. I didn’t see anything in the process of signing up that said, ‘Hey, if you don’t cancel in 30 days or whatever, you’re going to get charged.’ "

Now compare their tactics to the Tight Money Millionaire program where you know up front you’re being offered an incredible $1 trial for a $49 a month program.

Who do you trust?

If we do this, it we be in light of something Donna and I are definetly and actively doing.

Here’s the deal, Donna and I are currently testing a new business loan program.

The loan is for $1.5-million.

The main qualifications are credit score and business entity age & paydex.

The business entity needs are so specific the loan officer has a rather costly seasoned corp solution that is "required" and provided not only a 2 year old (or older) corp, but one with ein, tax returns, physical address, 411 and phone book listing, etc.

The application is stated income, no-documentation, no proof of income.

The ongoing cost of funds has an interest rate of  1 to 3 points above prime fixed. 

The loan requires a personal guarantee for the first year of the loan which is removeable after that year provided all payments are on time, every time, and there’s no significant changes to your credit score and no negative changes to your business.

The loan is funded in 3 rounds, each one is $500,000.  Fees for the entire $1.5-M will not be reported here but do include the seasoned corporation of a very high quality and the vast majority of them are paid at funding.

So here’s the idea…

Donna and I are going on our annual "New Year’s Cruise" with the top business marketers of the world.  I’ve already invited the loan officer for this loan to go.  When he says, "Yes." What do you think of having a special event at sea.  Where on the sea days you meet with the loan officer and get his loan started for yourself?

Attendees would bring their "recently pulled" (in other words, pull it that week you leave for the cruise) tri-merge credit report with scores, and we advance you where needed — and in some cases just complete the paperwork — right on the ship.

This would be limited to say 16 attendees. 

The event would be "free" meaning there would be no profit build into the event you would pay what the Carnival cruise line charges.  Your only commitment would be to meet us one more time to record a video testimonial after you loan approval and funding.

The cost of the cruise will be, assuming you get a balcony cabin for example, about $1200 per person and includes 8 meals a day with all the food you want, your housekeeping, your on-ship entertainment, taxes, cruise fees, even some of your tips, and of course the time with Donna and I is our gift to you.

One final point here.  When I say "cost of the cruise" that is per person.  And cruises are booked based on double occupancy.  What that means is, either you would want to room with another credit millionaire coming or bring a friend (even someone just coming for the vacation). 

So based on this, what I’d like to ask is for you to email me if you think this is something you would like.

As long as we have 6 to 10 people (and remember we will take no more than 16), we’ll do it!  Finally, bear in mind, after deciding to do this, I will contact the people who emailed me IN ORDER to give them the limited spaces.  So do read this and email me at paulie @ pauliesabol . com immediately.

Cheers,

Paulie Sabol

Recently, a retired teacher was able to purchase a property after raising credit score over 50 points.  While another very nervous and upset member got a 6-figure line-of-credit within an hour of her first coaching call.

Solving problems is what entrepreneurs do.

So while credit is tightening, the dollar is falling, and the housing bubble bursting…guess what, when it comes to solving the big problems, your Great Uncle…Uncle Sam, has decided  you yourself are worth less.

The "value of a statistical life" is $6.9 million in today’s dollars, the Environmental Protection Agency reckoned in May _ a drop of nearly $1 million from just five years ago.  Bear in mind, the EPA still values you higher than the Department of Transportation. 

Now, what does this have to do with solving problems?

Well, the value of your statistical life is used in a "Cost Benefit" analysis to determine if we should do something about problems, problems that may lead to death.

Basically, lowering your value by $1,000,000 means fewer problems will be address now.

There is however, a "Credit Millionaire" message to all this.

According to the US Government, you are a multi-millionaire.

We’ve often pointed out that since you likely wouldn’t trade your hearing for $1M or give up your citizenship for $1M, then you’re already a multi-millionaire.

Now you have a government statistic to prove it.

I wonder if we can put $6.9-million on our balance sheets.  And for that matter, add $1.5-million per employee to your business balance sheet.  (2000 hours worked a year / 8760 hours in a year times $6.9-million).

I think as a credit millionaire, I’d try it.  After all, businesses all say, including lenders, their employees are their biggest asset.

With that in mind, I want to give credit to the recession for it’s hidden benefits and blessings.

Let’s start with one near and dear to the entrepreneur.  And the number one impact of the recession which may lead to it ending.

Entrepreneurial startups help restart the economy. Recessions are ideal to start your business: Wages are down, rents are cheaper, competition is scarce and the cost of goods and services can be found at a discount. There’s no better time to become your own boss than right now.

For all those of you who recognize your families and consider them the number one reason you’re an entrepreneur, rejoice about the recession.

Recessions return us to the family dinner motif. 

For many the money for fast-food meals, as well as, the over-scheduled lives that require it change. 

And while this may not be great news if you own KFC stock, the Substance Abuse and Mental Health Services Administration of the U.S. Department of Health and Human Services say "Yahoo."  Family meals promote a healthier and more balanced diet, foster better communication and ward off teen suicide, eating disorders and substance abuse.

Who knew family stew could do so much!

Here’s another bit of good news.  You can use a simple strategy to get more business–coupons.

Sixty-seven-percent of Americans consider coupon use during a recession, regardless of their income.

For example, web traffic to online coupon sites is up to 281 million in March (up 38-percent compared to the previous year), according to the research firm comScore.

So if you happen to use an online shopping cart with coupons, get to using them now!

How about one directly related to credit.

According to Mintel Comperemedia, credit card direct mail volume has dropped by nearly 1/5th since last October. And last year, credit issuers reduced mailings to current customers by nearly one-third (30 percent). 

That means, the offers you do get now are ones you’re really likely to get.  So if you’re getting offers, definitely fill them out now according to the strategic rules you learn at www.TightMoneyMillionaire.com

And finally, this set back may set off great worldwide change for the better.

You see a slow down becomes the time to reflect and reassess out goals of our lives.

For instance, it’s questionable if today’s green movement would be as self-evident  and strong as it is today without fuel at $4+ a gallon in the US.  While there is still room to become more ideal stewards of the planet, entrepreneurs are expecting to be making progress and profits in "green technology" and "green business".

I personally welcome the commitment to a business plan considering greater sustainability and renewability falling under "profitability" rather than simply social responsibility.

Temporary setbacks like recessions prompt our collective course corrections.

And this may be the best time for you to set your course with the ongoing coaching available though Tight Money Millionaire.