The "Holy Grail 3 Step Financial Planning Guide For Everyone"

Know you need to be more concerned about your future but you just don't know where to begin? Think financial planning is for the wealthy... think again. During you lifetime you will earn millions of dollars from wages, business income, real estate equity etc. So why waste your opportunity thinking you don't make enough to save when it's not only about what you make, it's also about what you spend.

Sit down and take a few minutes to read the "holy grail 3 step financial planning guide" and stop surrendering your financial future to those who are not interested in helping you change it.

Here outlined are your 3 critical steps to success. You will not find this innovative "outside the box financial planning" article anywhere in one resource.

Step 1 – Get a Legal Tax Shelter & Bullet Proof Your Assets

Because of the amazing tax and liability shelter the State of Nevada offers we recommend the formation of a Nevada Corp. for all clients. You may have familiarized yourself with the asset protection and legal tax shelters Nevada Corporations offer, however setting up a Nevada Corp. is a time consuming complicated process. It is for this reason 1st Choice Funding recommends a professional to set up your Nevada Corporation to ensure a legal resident/non-resident corporation is state compliant in order to obtain the asset protection-tax sheltered opportunities only Nevada Corporations provide in bullet-proof asset protection. A properly structured Nevada corporation makes you judgment proof, probate free and state income tax free. Pretty sweet deal wouldn’t you say?

If you are interested in moving this direction, there are several options available with varying costs ranging between $5-8,000.00 for the first year with annual fees significantly less each subsequent year. If you think the structure isn’t worth it then you might want to think again. What is the value of protecting all your assets against the future and the unknown? What does a will cost and the probate that your assets will cost your heirs even with a will? No will what will the probate cost then be? How about the lifetime of your states income tax, add what you are paying now with what you will be saving. Still seem too expensive?

In reality the costs for the corporation are miniscule in comparison to the benefits long term. Please do you friends, your family, your co-workers, your neighbors and anyone else you know a favor and pass them this information. You and almost everyone you know needs to utilize this legal financial vehicle in providing a wealth building mechanism for their future.

To find out more log on to; http://www.1stchoicefunding.com/financialplanning.html

Step 2 – There’s No Excuse For Not Having Perfect Credit

The perfect credit score is 900 but today the average score is 650, which when translated into dollars presents a significant difference in lifetime costs as additional interest is staggering. In order to achieve results that will change your future you must find innovative tools that provide amazing tested & proven credit building/score spiking strategies with the most drastic results available anywhere.

In order to do so you will need 3 strategies to improving credit scores vs. well know "credit repair" law firms. First of all utilize the FCRA by disputing all derogatory items found on a credit report. Then add seasoned open trade lines with perfect payment history to the credit file which in itself raises every score significantly. Then selectively convert any derogatory accounts into score positive accounts adding positive trade lines spiking the FICO score more.

With these three approaches everyone can have great credit no matter what their current score is. Need help doing this? 1st Choice Funding offers a solution through their innovative aggressive approach so do yourself a favor and make an investment in your financial vehicle for tomorrow. We invite you to share it with everyone you know as many people have years of negative credit that will follow them costing untold amounts of unnecessary expense cumulatively if left unaware of their options.

The bottom line is really for choices; 1. do nothing and stay where you are. 2. do these 3 steps yourself. 3. Take a chance you will have these results hiring a firm to do this for you. 4. Contact 1st Choice Funding who offers Credit Repair as a free service when purchasing the package of positive trade lines and account conversions. 1st Choice Funding is so sure of the work they perform they offer a 100% money back guarantee if they fail to perform. Each of these techniques outlined requires a great deal of time and if you don’t know how to implement them properly you will not succeed. So remember you get what you pay for. In the big picture what you invest today in your credit is a small price to pay when compared to the long term costs even "average credit" costs in higher interest rates over a lifetime.

To find out more log on to; http://www.1stchoicefunding.com/financialplanning.html

For business owners establishing "no personnel guarantee credit account" is challenging to say the least. So what are your options? Find a firm who offers such a service unless you know how to create a business credit file that means borrowing with no personnel guarantees. You will need a program that provides a strong credit account so you personal credit is not checked or involved as inquiries do lower you score. Obtain this type of credit and you will improve your businesses ability to obtain vehicle leases, lines of credit, or loans under the company’s name only. Plus you will need a "List of Vendors" who will report to D&B and Experian Business Credit creating 2 credit profiles for your company. You will also need to receive a supply of 7 criteria necessary to achieve the highest scores for your company. Need help doing all of this? Not a problem because 1st Choice Funding offers just such a service and recommends implementing such when once a Nevada Corporation is formed. The total cost for the business credit program is approx. $3,000.00

To find out more log on to; http://www.1stchoicefunding.com/financialplanning.html

Step 3 – Convert Any Loan to a Wealth Building Machine

Anyone practically these days can offer you a mortgage or a business loan right? Everyday your email account has their offers and so does your mailbox. Now add the phone solicitors list for mortgage companies contacting you over the past 5 years. Do you get the picture? The list is the size of a scroll, right. So what you need is not a lender what you need is a financial consultant who can assist you in borrowing but who can also assist you in asset building and debt reduction too. But where do you find someone who wears all these hats? You'll look carefully before you find one and that’s where 1st Choice Funding comes in as they also provide mortgage and business loans of all type, however unlike traditional lenders or mortgage brokers, 1st Choice Funding works for you and because they do they seek you advantage vs. lenders who seek only their own.

With a company motto to "Protect Your Interest from Interest" 1st Choice Funding offers an innovative loan program that’s "pro-borrower vs. pro-lender". The program developed to meet your financial wealth building needs is currently under a provisional patent, but what the program provides to borrowers is the ability to accelerate debt reduction while building wealth, not something you will find a lender offering.

Think about this for a moment, have you utilized most of the credit you're offered only to find doing such has lowered FICO scores? If so then have you found you are forced to pay higher interest rates thereafter because you have now become a "credit risk" because your DTI (debt to income) is too high. Here's the irony of this cycle, lenders are the ones who make credit available yet you are then punished for using it!

1st Choice Funding is committed to changing the way the system works and as such they have devised an ingenious tool to assist you in doing this with a program called "State-A-Rate". With State-A-Rate the borrower sets their own rate of interest through payment modification which you learn when utilizing a special calculator the firm has developed. Utilizing the State A rate Program you now have 4 amazing capabilities at your finger tips.

Loan Auditing
Accelerated Loan Payoff
CD Retirement Fund
Shared Revenue Income

For a moment think about this, lenders set payments in order to maximize the interest rate you agree to pay. To allow a lender to do such is financially like having the "fox to guard the hen house". Instead of putting yourself in this vulnerable situation 1st Choice Funding provides a better plan as they offer the tools to reduce debt, increase your portfolio and build wealth through each phase of the State A Rate Program. Here’s a brief overview how each phase works;

Loan Auditing- Each year "lender servicing errors" means really misapplied payments that tomorrow can cost you tens of thousands of extra dollars in interest. Now if these truly are "errors" when was the last time the "lender servicing error" benefited the borrower vs. cost them? Coincidental? Think again because "lender servicing errors" are no mistake. They are instead a clever mechanism that has allowed lenders the ability to generate according to the F.D.I. C. billions in added profits annually as unsuspecting borrowers are none the wiser. 1st Choice Funding’s Loan Auditing program prevents "LSE" by flagging each error and then demanding the lender correct the "accounting error" keeping the mortgage balance accurate for the life of the loan, so now who watching who?

Accelerated Loan Payoff- Accelerated loan payoff is achieved in one of two ways. When utilizing the State A Rate calculator a modified payment is provided that shows "net effective interest". As a result of lower interest rate because you the borrower is modifying the lenders interest rate you achieve early loan payoff…..but wait there’s more.

CD Retirement Fund- State A Rate goes even farther by providing the ability to control your financial future with an effective retirement planning tool via a CD account. By making the same 20, 30 or even 40 year loan commitment as you have now, this program assists borrowers in seeing their financial future clearly by accelerating early loan payoff while simultaneously building a CD retirement fund. Thus by continuing to make payments for the term of the note you actually start paying yourself instead of only a lender. This tool builds wealth the easy way with the same loan commitment you were assuming when you took out the loan!

Advertising Compensation- The forth feature the program includes is another accelerated debt reducing option. Each client who enrolls in the State A Rate program and who introduces it to others, who then enrolls in the program generates "advertising compensation" for the referrer. Instead of paying you direct 1st Choice Funding applies your "advertising earnings" to the principle balance of your loan. Why? Really two reasons. 1st Choice Funding would rather pay you to advertise for us vs. expensive advertising campaigns because satisfied customers are the best form of advertising, and second, by paying your lender vs. you we provide our clients a tax free way to reduce the principle balance on a loan as our way of thanking you for making us grow.

This program is so effective and amazing a 30 year note can be paid off in as little as a few years! (Early payoff is dependant on the size of the note and the number of loans referred) Enrollment in the program is based on the total savings so each loans enrollment fee’s vary depending on the interest savings, but with State A Rate there’s never a decline…..just options!

To find out more log on to; http://www.1stchoicefunding.com/financialplanning.html