The Housing Finance Agency of New York provides great assistance for those wishing to apply for first time home buyers grants. The grant starts is initially a loan, however over time it is completely written off. The amount can equate up to five percent of the amount of the mortgage.

Find out how to write a proper grant application, this is as important as seeking the correct sources of the grant. The Internet is where you can buy a kit to write kits. It is possible to find a free grant writing kit and this means the only costs will be that of shipping the CD’s to you. This is a small investment to make for the value you will get.

First time home buyers may also access federal grants or federal funds through the US Department of Housing and Urban Development. The department offers a Homes and Communities project, which makes these funds available to buyers.

Decision will have to be made when one decides to buy a new home. You will have to consider your readiness and the type of house you are looking for. Is the house going to be big or is it a condominium or a suburban home? The state of one’s finances plays a huge role in many of these decisions. Once the money issue has been sorted then it becomes easier to answer these questions. After this, the first step would be to decide on the kind of house you want and then source a Realtor that makes you feel comfortable. Let the Realtor know what type of house you want and he or she will find one for you.

Now that one has found their dream home, the next step is to obtain a mortgage to finance buying the house. The process is daunting the new home buyer and one needs to know what one is doing.

The lending institutions will screen applicants before paperwork even gets through to the various departments. These institutions then peruse and assess the loan application. Generally, the criteria are more relaxed when the home buyer is a first time home buyer. If the first time home buyer is strong in one area of the application it could make up for where they may be weak in another area.

Aspects that are considered include your job stability, credit score, the availability of a down payment, your affordability and a variety of other factors.

The costs involved in buying a new home are high and this why it is smart to capitalize on New York first time home buyer grants, as this will help one to get a new home and save thousands in the process.

If you are a NY first time home buyer you will need to make sure that you know as much as you can about first time home buyer grants.

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by TheTruthAbout…

Learn About a Lawsuit Pre-Settlement Loan

In the United States lawsuits are a common occurrence. Civil lawsuits can be filed for a wide range of reasons, including but not limited to personal injury, wrongful death, neglect, sexual harassment, civil rights, class action and many more. Many of these lawsuits brought forth to the civil court system can be considered frivolous, meaning they have no merit but to attempt to get money. However, for plaintiffs in civil lawsuits with merit they can find themselves in a situation that can take months if not years to resolve. If your lawsuit is related to injury or wrongful death you might have taken a serious financial blow, whether it’s due to you not being able to work anymore or loss of a family member’s financial support. In a situation like this a plaintiff in a lawsuit does have a solution that might be right for them; a lawsuit pre settlement loan.

The concept of a lawsuit pre settlement loan is quite simple. A company or group of investors buy interest into pending lawsuits by giving cash loans to the plaintiff, in return they receive the cash loan back, plus interest and fees if they plaintiff wins their lawsuit. In theory, this sounds like an easy business practice, but since lawsuit settlement loan providers take a big risk not all lawsuit cases can get funding. The risk I’m referring to is that lawsuit settlement loans are non-recourse debts. Lawsuit settlement loans are considered non-recourse debts because if your lawsuit verdict is in favor of the defendant you are not required to pay back the loan. That’s right, if the plaintiff does not win their lawsuit they are not required to pay back anything to the lawsuit settlement loan provider. So lawsuit settlement loan providers do their best to stay away from frivolous lawsuits.

Now, in light of the risk that a lawsuit settlement loan provider takes it should be noted that the fees and interest rates charged on these types of loans aren’t that low. Some charge anywhere from 2.9% to 8.9% or more, per month on the loaned amount. There is usually a one-time fee based on the amount that is loaned, which can range from 0 to 00. Most plaintiffs are only able to get a loan at 10% or less of what their lawsuit is actually worth. This helps protects the plaintiff from owing more if they win their lawsuit then what is actually awarded by the judge or jury. In light of understanding how you are charged for a lawsuit settlement loan it should help you decide if it’s right for you.

Getting approved for a lawsuit settlement loan isn’t the same as a traditional loan. Your employment history, income amount and credit history do not play a role in the approval process. Remember, as we learned earlier they base their loans on the actual merit of the lawsuit case. A lawsuit settlement loan provider will review your current case and speak with your attorney prior to approving or denying the loan. It’s a good idea to give your attorney notice you apply for a lawsuit settlement loan to keep the process smooth, and to make sure any agreements with your attorney won’t be broken by accept a lawsuit settlement loan. At the end of the day, it’s up to the plaintiff to decide if a lawsuit settlement loan is right for them, everything should be discussed with family members and a financial advisor if one is available.

by Providence Public Library

Tips on Dept Consolidation

Tips on dept consolidation.

In this day and age, a lot of things have changed from how they used to be, which can be new and exciting for most.

Do you know how many trust cards you relay? Do you have a catalog of long-pending bills? Do you know your extract monetary spot?

It doesn’t count whether or you’re already profound in debt or whether you are on the limit of receiving into it; you ought some guidance on debt consolidation–and not informally from contacts–but from practiceds.

Where can I get practiced guidance on debt consolidation?

From now until the now until the end of this article, take the time to think about how all of this information can help you.

You can get guidance on debt management from deposits and monetary firms. There are lots of debt consolidation companies around who will give you with a monetary practiced or councilor to help unravel your evils. You may also find some useful guidance online on debt management.

All you are mandatory to do is to impart-out a form, bountiful them information about your trust rating, your tenable and untenable debts, and the catalog of your trustors. They will chalk out a design just for you and direct on which steps you should take next.

Another gain of debt guidance is that your advisor will also insinuate you some lifestyle changes you can make in the imminent to changes in your lifestyle to stop another debt mint up.

That’s great, but how greatly do I have to pay?

Dont anxiety! Most of the advisory part is done liberated of expense. while the assess can only be known once you have selected the group or deposit with whom you want to work. There are definitely online sites and other firms which will agreement you guidance liberated of loss but this is for you to

finish.

Debts should not be neglected and it is forever better to take guidance from the right well. take your group with extreme attention and you will find your way out of debt.

What you have learned while reading this informative article, is knowledge that you can keep with you for a lifetime.

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by thewamphyri

How to Collect on Lost Life Insurance Policies

A relative has just died. He had a life insurance policy with you listed as the beneficiary. There’s just one problem: the life insurance policy is missing. You have no idea which insurance company wrote it.

If you find the missing life insurance policy in the future, are you still eligible to receive the death benefit?

Hope they paid their insurance bills

If you’re a beneficiary and you find the lost life insurance policy shortly after the insured dies (within six months to a year, for example), claiming the death benefit should be trouble-free.

First, determine if the insured had term or permanent life insurance. If the insured held a term policy, you’ll receive the death benefit if he died before the end of the policy term. If he died after the policy expiration date, you would get nothing.

If the insured had a permanent life policy, you’ll receive the money if the death occurred while the policy was “in force,” meaning all premium payments were made up until the time of death. If the death was a while ago, you’ll receive the benefit with interest from the date of death.

If the life insurance policy lapsed — meaning the insured stopped making premium payments before he died — there’s a chance you might get nothing. When a permanent life insurance policy lapses, most insurance companies switch its status from permanent insurance to one of two options:

“Extended term” — The insurance company uses the cash value of the policy to buy a term life insurance policy for the same death benefit using the cash value of the policy. The death benefit will continue for the longest period the cash value will purchase.

“Reduced paid up” — The insurance company will keep the policy in force permanently, but will reduce the death benefit.

Gerry Brogla, an actuary for State Farm, says in the majority of the cases at his company, the permanent policy continues as extended term if it lapses. At State Farm, extended term is the default option for most permanent policies.

If the policy lapses, and the extended-term period expires before the insured dies, the policy is worthless and the life insurance beneficiary will get nothing. If the insured dies before the extended-term period is up, the beneficiary will receive the death benefit. If the policy lapsed because the insured died (thus ending premium payments and causing the insurance to be placed in extended-term status), the beneficiary will still collect the full death benefit, regardless of when the extended term was up. The beneficiary always needs to supply the insurance company with a death certificate to verify the date of death.

There is no time limit during which a life insurance beneficiary must step forward to collect the money, according to Jack Dolan, spokesman for the American Council of Life Insurers. “If a person shows up 30 years after [the insured's] death, the company still makes good on it,” Dolan assures.

What happens if no one ever reports the death?

If the insured dies and the insurance company does not learn of the death, the policy lapses. Insurance companies will take steps to find out why a policyholder stopped making payments.

When an insurance company stops getting payments, it sends letters to the insured informing him the policy may lapse as a result of unpaid premiums. If the letters go unanswered, the company might initiate a search to find the insured. If that comes up empty, the company will then lapse the policy.

If a beneficiary to a policy never steps forward, it unfortunately means the insured paid money to a policy throughout his life and his beneficiaries never see a penny. This is why its a good idea to make sure beneficiaries are aware of any life insurance policies you have.

If you’re lucky, the state may have your money

In some cases when a beneficiary fails to claim a death benefit for several years, the money is transferred to the state where the insurance policy was purchased under the escheat laws.

If a company knows an insured died and it cannot find the beneficiary, it must turn the full death benefit over to the state comptroller’s department within three to five years of the insured’s death. The money is transferred to the state where the insured bought the policy. The money is considered “unclaimed property” and gets lumped in with dormant bank accounts and uncollected rent deposits. The comptroller’s department maintains a database that lists the names and addresses of lost life insurance beneficiaries.

Many states will try to contact life insurance beneficiaries in an effort to pay the death benefits. In Texas, for example, the names and addresses of the beneficiaries are published annually in each county in the state. In New York, the Web site of the New York State Comptroller’s Office of Unclaimed Funds has an online search to find any unclaimed death benefits owed to you. You can find out the procedures in your state by contacting the office of your state comptroller or treasurer.

Keep in mind your chances of finding the policy with the state are slim. The insurance company has no obligation to hand the money over to the state if it’s unaware the insured died. In most cases, it’s the beneficiary who contacts the insurance company.

Also, the insurer only transfers the money to the state three to five years after it cannot find the beneficiary but knows the insured died. If the state doesn’t have the death benefit, it’s likely the insurer is still looking for the beneficiary or doesn’t know the policyholder has died.

Unclaimed death benefits are rarely transferred to the state. Dave Potter, a spokesman for Hartford Life, says less than 1 percent of his company’s death benefits go unclaimed.

Del Chance, a life insurance claims manager at State Farm, says, “Turning over life policy benefits to an individual state after the death of an insured is extremely rare. State Farm utilizes their own search techniques as well as outside vendors to locate lost beneficiaries in the event of the death of one of our insureds. By and large these procedures have always located the beneficiary.

Tips for making sure your life insurance beneficiaries get your death benefit:

1. Give your beneficiaries your policy information. It can be a difficult and awkward conversation, but an important one.

2. Keep all your financial records (especially your life insurance policies) in one place. Don’t force your beneficiaries to search your house from top to bottom after you die.

Tips for looking for lost life insurance policies:

1. Go through canceled checks or contact your relative’s bank for copies of old checks. Look for checks made out to insurance companies.

2. Ask those who may have known about your relative’s finances. Speak with the relative’s lawyer, banker or accountant. Also contact the relative’s insurance agent.

3. Contact your relative’s past employers. They might know of possible group life insurance. The insured might have also purchased supplemental life insurance through work.

4. Check the mail for a year. Premium bills and policy-status notices are usually sent annually.

5. Look at income tax returns for the past two years. Check for interest income from policies or expenses paid to life insurance companies.

6. Contact the Medical Information Bureau. If your relative bought life insurance fairly recently, there might be a trail of the companies to which he applied. The Medical Information Bureau (MIB) maintains a database that might show if insurers requested your relative’s medical information within the past seven years. Record searches can be requested through the MIB’s Policy Locator Service and cost . The MIB says that nearly 30 percent of searches turn up leads.

Most people will find themselves faced with a loan opportunity at some point in their life. The most popular loans that bring people to seeking a broker are home loans, educational and investment loans. There are different types of loans to meet the lifestyle of the person seeking financing. Some of those loan types would be high risk loans that will have a high APR and others are geared toward people who are credit worthy.

Your credit score is something that will be developed over time. It is a reflection of your ability to act with integrity and not to over extend your budget. There are a number of ways you can avoid this. It begins with understanding how to make good use of what you have. There will always be room for more money and things but, it is the art of respecting your current state that proves to be the magic within the process.

Your credit building method should be applied with a growing time table that will allow you to make purchases that you can pay off by the end of the billing cycle. While this might prove to be a challenge for most people, it is a point at which to begin. Take an honest look at what you have coming in and what is going out to ensure proper control of your finances.

It is very important to learn how to differentiate between the things you want, need and how to reward yourself for your efforts. It is common for people to get caught up in the excitement of a great deal that is also time sensitive. This is where things can become very positive for you. A time sensitive deal that requires an immediate decision usually does not give you enough time to see the reality of the long term commitment. Having an internal policy to help you manage moments like this should help you keep things into perspective.

A good loan agent will help you to understand the short and long term range lending effects before you sign a contract. While there is enough room at the table for everyone to walk away happy, there is absolutely no need to make an uninformed decision. Making as many informed decisions as possible will qualify you for larger and more significant loans in the future. That all too important home loan which awaits you just became seamless and faster because your credit record shows you have a history of integrity.

Once you have acquired the right credit building tactics, you will undoubtedly be positioned to encourage lenders to approve your application. Once you understand the nature of your credit worthiness and what it requires to keep it in tact, you will be favored by a number of lenders. Not falling into the habit of acquiring too much debt will allow you to make decisions that you can feel good about.

When you fully understand how to get a great deal on a Florida loan, you will have expanded your intellectual properties. You will be armed with the right tools that will help you make an educated decision. Most loan opportunities work out best when the consumer understands that the process must work out for everyone involved.

Find the best fl mortgage to apply for by going online. With the different fl loan choices you have you need to find the best one for your situation. Head online and find out more now.

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• New Music

If you could potentially have often been thinking that since you’ve a terrible credit score due to defaulting of loans, which could very well lead to foreclosure of your property, you aren’t in a position to acquire any loans, then you could be wrong. You possibly can certainly obtain out there nowadays you’ll find creditors who specialized with home loan choices, which are tailored for men and women just like you. You can really approach these lenders to assist you in acquiring the fiscal bank loan to fund for your emergencies. Using the individual loans for a harmful credit rating solution obtainable inside the marketplace these days, now you are able to avail this sort of financial bank loan to guide you in your personal difficulty. Regardless of no matter whether the monetary bank loan you are acquiring is for repayment of existing debts or funding for emergency for example hospitalization fee, this kind of personalized bank loan is surely here to support you out.

Prior to applying for the financial loan, you may very well ought to check no matter regardless of whether you are eligible for it. Criteria to acquire this bank loan are listed below.

- You need to be at least 18 years old and be a citizen or permanent residence in the country you residing in. - It will be an advantage for anybody who is healthy and employed. You could possibly might need to prove that you’ve got a steady source of income. - If you’re self-employed or have a modest company, a bank account will also be of aid to indicate a steady flow of funds into your account each month.

Once you meet the criteria above, get ready all the crucial documents prior to apply for the personalized loans for bad credit rating.

To apply for such a bank loan, you can go to web based. It truly isn’t essential to go down to the lenders’ office as most of these lenders have their own world-wide-web websites for you to utilize the bank loan over the net. After the application, it might possibly take 2-3 company enterprise days for approval. With the web, you possibly can also get the quotes of distinctive creditors to obtain the one which provides the finest alternative prior to signing up with any using the firms.

In case you are receiving the mortgage for emergency purposes as well as the loan just isn’t too much, it really is advisable that you opt for a short-term payment scheme, just like 1-2 months. Lenders are most willing to aid in this scenario and will approve these kinds of financial loan faster if the mortgage is tiny and repaid in a shorter period. You could even use your property as collateral and this can assistance acquiring the mortgage approved even more quickly.

Know some useful informations about bad credit loans and unsecured loans for people with bad credit online now!!!

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City officials will be available to give you all the necessary information and guide you through the process if you need it. Three factors are important before you start the process. These three factors may be the reason for you to be accepted or denied the grant you want. The first is your income, the second is your credit and the third is your residence.

You will need proof that you have been living and working in the state of Texas for three years or more. Rent receipts, and tax declarations are good proof of this. You will also need proof of employment for the same three years or more. These will also get you through the door at the bank.

You will need a bank to finance the rest of the houses sale price. You have to buy the complete house and mortgage it with a bank or other financial institution. To borrow money from them you will need an average to good credit rate. Some of them may give you a break when you have a not so bad credit rate because you will be mortgaging the house to them for much less than what it is worth.

No loan means you will not get a grant. There are some specialized institutions that will accept less than perfect credit on their clients but they will raise their interest rates and add special conditions and restrictions to your contract. The grant requires that you get a low interest loan with a long payment period of time. This will make things easier for you every month.

These three are the first hurdles you must go over. Once over them you are almost home free. The next step is to check your police and credit records. A bank or lending institution will probably not lend you money if your credit rate is terrible, so if you have a lender it is probable that you are safe on this side too.

Having pending law suits and unpaid child support are also considered negative for your request. When we mention law suits we are not talking about neighbor problems or car accidents, we are talking about serious things related to criminal activities or something like that.

Bankruptcy and financial problems in other states are also a situation that will be looked at before your grant is approved. If you do have any of these problems it is better if your wife applies for the grant or you wait for the problems to be solved before applying. It is not good to be rejected once for any reason and having to try it again sometime later. If your wife or husbands record is clean, let them ask for the grant.

Everybody that needs a TX first time home buyer, we have something in waiting for you! The first time home buyer grants can easily be found by a simply push of the button. See what we have in waiting for you with our business.

One advantage of getting a bank loan is speed. You can get your loan quickly. There are even borrowers who can secure their loan in an hour or less because they have all the necessary documents and they are qualified. Loans are available for almost everything. If you are in need of money to purchase a house, you can apply for a housing loan. If you need a car, you can apply for a car loan. With all the loans available, you will be able to purchase everything you need. But keep in mind that there are also disadvantages of getting a loan.

Loans aren’t for everyone. There are a number of limitations for getting one. For example, having a good credit record is a necessity to get a loan from a bank. But once your application is application is approved, there will be no restrictions on how much money you can borrow. However, borrowing too much money can lead to difficulties in paying off the loan, especially when you suddenly lose income. As a result, loans are limited to a certain percentage of the applicant’s income. This is a guarantee that you have the capacity to pay your loan off.

Of course, interests are involved when you borrow money. Usually, loans with low interest take a longer period to pay off compared to loans with higher interest. Usually, a collateral is required for loans. This will serve as a pledge for the repayment of the money you borrowed. The assets that you can use are cash accounts, valuables or collectibles, cars and even your house. You don’t need to worry about a loan as long as you are able to pay it off, but if you don’t manage your finances well enough, you could lose these assets and go bankrupt.

Many people find loans to be very helpful. However, you have to be responsible enough to pay them when you should because you can really get into a lot of trouble if you fail to make the expected payments. Be very careful with the decisions that you make because getting a loan is a commitment. Choosing the right lender is, of course, important. There is more to picking a lender than just looking for one who charges the least interest. Get a loan when you are left with no other choice or when you badly need it or it makes a good financial sense. Remember these things before you make your decision.

Given that you understand the part about getting a loan, you may want to delve deeper. Loan audit or mortgage loan audit are two important terms, for example, which you should start getting to know. There’s more to loans than you probably know right now. The more informed you are, the less likely you are to figure in a complicated loan scenario.

by [s e l v i n]

Apply For Credit Card-Getting Approved For A Credit Card Can Be Difficult

Getting approved for a credit card can be difficult without a positive credit history working in your favor. It’s a Catch-22: To obtain a credit card, you need a good credit history. But to have a good credit history, you need to establish good credit!

This no-win cycle can keep people with a non-existent, limited or negative credit history from getting approved for a credit card. But it doesn’t have to if you understand the type of credit cards available and how to build a good credit history.

When it comes to credit cards, the type of card you apply for will depend on your situation. If you’re a student, you’ll, naturally, sign up for a student card. But if you’re a non-student with a non-existent or bad credit history, a card that is secured or obtained with a co-signer may be your best option. With co-signed credit cards, the co-signer guarantees and is responsible for the debt. This means that the co-signing person is responsible for paying the full amount of the debt if the card holder doesn’t pay. In fact, when co-signed debt goes into default, three out of four times co-signers are normally asked to repay what is owed, according to the Federal Trade Commission.

Furthermore, the issuing bank can attempt to settle the debt without first trying to collect from the card holder. The bank can also use the same collection methods against the co-signing individual, including suing and garnishing wages. If the debt is not paid, it can leave a negative mark on the credit history of the co-signer, as well as the card holder.

Despite the risks, a co-signed credit card can be great tool for helping a friend or relative build their credit history so they can one day obtain a card on their own. Secured, co-signed and pre-paid credit cards offer viable options. But you should start building a strong credit history, so you can obtain a regular credit card on your own in the future.

First, you need to understand how credit card issuers determine credit worthiness. The approval criteria varies from among issuing banks, but generally relates to what’s often called the three C’s of credit: capacity, character and collateral. Capacity refers to your ability to pay based on your income and existing debt. Collateral refers to any assets you have that can secure payment, such as bank accounts or home ownership. Character refers to factors like your payment history, length of employment, etc.

To get a good idea about how your application will fare with credit card companies, check your credit history with one of the major credit reporting agencies: Experian (www.experian.com), Equifax (www.equifax.com) and TransUnion (www.tuc.com). These agencies access your payment information directly from the companies you have credit with, as well as from government agencies such as the legal court system.

Credit reporting agencies use the information in your credit history to determine your credit rating or credit score. Credit scores, also known as FICA or Beacon scores depending on the CRA, generally range from 350 to 850. Most banks will approve you for credit if your score is at least 620. If your rating is 720 or higher, banks will offer you their lowest interest rate.

Generally, y our credit score is determined by your payment history for the last two years. T echnically, CRAs calculate your score using a closely-guarded formula. TransUnion, for example, determines credit scores using a variety of factors, including: how you pay your accounts, how much you owe and how often you’ve applied for credit.

http://www.credit-cards-rates.co.cc/

The Short and Simple Story of the Credit Crisis. By Jonathan Jarvis. Crisisofcredit.com The goal of giving form to a complex situation like the credit crisis is to quickly supply the essence of the situation to those unfamiliar and uninitiated. This project was completed as part of my thesis work in the Media Design Program, a graduate studio at the Art Center College of Design in Pasadena, California. For more on my broader thesis work exploring the use of new media to make sense of a increasingly complex world, visit jonathanjarvis.com Or email me at jonathan.jarvis@gmail.com Support the project! Buy a T-Shirt! cafepress.com/crisisofcredit
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When it comes to planning for retirement, many people are finding that things aren’t working out the way they had hoped. Today’s financial landscape has made it quite difficult for many people to realize the dreams they had for their Golden Years.

The reality of needing to work long into the time they had planned for traveling or simply enjoying life has hit many a hopeful retiree. This is not only a financial issue in our society but also a mental issue. When a person sees that they’ve worked all their lives simply to wind up needing to work until death, depression can easily set in.

This is why, if you find yourself in this unfortunate situation in regards to retirement, it’s vital for you to figure out a positive solution. This is important for your own mental health, as well as your financial health.

In order to make sure you actually don’t need to work until they place you in your grave, let’s take a look at a few possible solutions. First of all, you need to accept it and come to terms with it. Acceptance of any challenge in life is the first step toward discovering the solution to that challenge.

Next, I’d like you to take a serious look at the Internet as a possible solution. Yes, I know you may not be an expert at the computer…it may even scare the heck out of you. However, you’ve learned many things in your life and you can learn some basic computer, Internet and marketing skills, too.

There are a number ways to earn money from the Internet and the great thing is that much of that income becomes residual once you get everything all set up. Since your nest egg is gone, this residual income stream can do two things…lesson your need to keep working at low paying jobs, as well as becoming your monthly retirement stipend.

I highly suggest that you find yourself a basic Internet marketing course that teaches you the beginning steps to setting up websites or blogs, getting some traffic to them, and then earning money from that traffic. Some of the easiest ways to earn money from website traffic is Google’s Adsense program, affiliate programs, and network marketing programs.

Google’s Adsense program is easy because you simply allow the program to place ads on your website or blog and every time someone just clicks those ads, you get paid real money. Over at Clickbank.com, you can sign up as an affiliate for various products and earn a commission every time a person buys them through your affiliate links you’ve placed on your site.

I find network marketing to be attractive for 2 powerful reasons. One, it keeps you plugged into a network of positive people who benefit from teaching you how to earn more money. The 2nd thing is that your recurring monthly income will gradually go up the longer you build up your business. I highly recommend you follow the above advice to solve any retirement issues you currently face.