The official, Matteo Fontana, now general manager in a unit of the Office of Federal Student Aid, was identified yesterday from government documents as a stakeholder in the parent company of Student Loan Xpress who sold shares in 2003.

His involvement with the company emerged a day after a widening investigation into the student loan industry revealed that three senior financial aid officials at Columbia University, the University of Texas at Austin and the University of Southern California had also sold shares at the same time.

The stock sales raise questions of conflicts of interest on the part of university officials charged with giving students advice on financial aid and loans and a government official who helped oversee the industry.

The Education Department said late yesterday that Secretary Margaret Spellings had just been briefed on Mr. Fontana and that the department was taking the matter “very seriously.”

“We are providing the department’s inspector general all relevant documents regarding this matter,” Samara Yudof, a spokeswoman, said in a statement. Officials declined to answer questions about the stock transaction.

The government documents, filings with the Securities and Exchange Commission, show that Mr. Fontana sold 10,500 shares in the company in 2003, when they were valued at around $10 a share. He came to the department in 2002 and at the time of the sale was in a slightly more junior position than now, overseeing lenders in the student loan program.

Mr. Fontana did not return calls, and it was not clear what he had originally paid for his shares. At least two of the three university financial aid directors originally paid about $1 a share.

Student Loan Xpress is currently owned by the financial services company CIT Group. C. Curtis Ritter, a spokesman for CIT, declined to answer questions about Mr. Fontana’s dealings with the company.

CIT Group Inc. also has a top university official on its board: John R. Ryan, the chancellor of the State University of New York, which has 64 campuses and more than 400,000 students.

In a telephone interview yesterday, Chancellor Ryan said he believed strongly that there was no conflict between his positions as SUNY’s chancellor and as a CIT director, a post that paid him nearly $150,000 in cash, stock and stock options. He earns $340,000 from SUNY.

As the Education Department responded to questions about Mr. Fontana’s stock ownership, the University of Texas and the University of Southern California followed Columbia’s lead and suspended their financial aid directors pending the outcome of internal investigations into the officials’ relationship with Student Loan Xpress. Columbia also removed the loan company from its spot on the university’s preferred lending list.

All three universities had given Student Loan Xpress a spot on the lists. Students generally rely on the lists for seeking a loan rather than shopping for the best terms.

Mr. Fontana’s participation in the stock sale, which was first reported by the New America Foundation, a Washington policy institute that has focused on student loan issues, caught the attention of lawmakers already looking into the student loan industry.

Senator Edward M. Kennedy, Democrat of Massachusetts and chairman of the Education Committee, faxed a letter to Secretary Spellings last night saying, “These circumstances raise serious concerns about the impartiality of Mr. Fontana’s work at the department.” Mr. Kennedy asked her to provide documents about the case.

John Edwards, the Democratic candidate for president, also weighed in on the issue yesterday, arguing that students should borrow directly from the government. “We need to fix the student loan program to take banks — which are just an expensive middleman — out of the process,” he said in a statement.

Andrew M. Cuomo, the New York attorney general who has been investigating the relationship between student lenders and universities, has issued subpoenas to Columbia and to the CIT Group, and requested information from the University of Southern California and the University of Texas.

A senior lawyer in Mr. Cuomo’s office, who spoke on condition of anonymity because the investigation is continuing, said, “As we gather the information we have subpoenaed from CIT, and we’ve subpoenaed both documents and testimony, we certainly will get to the bottom of all these relationships.”

The New York State Ethics Commission twice approved Mr. Ryan’s membership on the CIT board, in July 2003, when he was president at SUNY’s Maritime College, and again in July 2005, when he became SUNY’s acting chancellor.

Mr. Ryan said he had been unaware until yesterday that Maritime College, where he was president for three years, had listed Student Loan Xpress as a preferred lender last year, after he had left the campus. He was Maritime’s president from 2002 to 2005. He recently announced his intention to step down as SUNY’s chancellor at the end of May.

“I don’t make loans,” he said. “I don’t make any decisions as chancellor about who is going to be permitted to make student loans at each university or college. They have professionals that do that.”

Mr. Ryan said that CIT, a New York-based company that specializes in commercial and consumer finance, had not been in the student loan business when he joined its board in 2003. He said it entered that business in 2005 with the acquisition of Education Lending Group, the parent company for Student Loan Xpress. He said he had undoubtedly voted on the acquisition, but had not been consulted individually about it.

At the time of the acquisition, CIT’s chairman and chief executive, Jeffrey M. Peek, said student lending was attractive because it was a “higher growth business with predictable performance characteristics.”

In its 2006 annual report, CIT said that its student loan business “has shown outstanding growth” and that its Student Loan Servicing Center handled more than $6 billion in loans a year, up from $1.4 billion. It said it had expanded its marketing and servicing capabilities in the field last year. CIT had a student lending portfolio of $8.8 billion as of Dec. 31, 2006,

In the 2005 clearance statement for Mr. Ryan , the executive director of the state ethics commission, Karl J. Sleight, said Mr. Ryan’s outside work could not be done during state work hours, should not interfere with his official duties. Mr. Sleight also said, “Absent an open and competitively bid contract, you are prohibited from selling goods or services to any State agency.”

Mr. Ryan said that when he was first recruited to join SUNY, he had been encouraged to sit on corporate and nonprofit boards. He said many companies that do business with universities have college and university presidents on their boards.

CIT also has at least two former college officials on its board: Thomas H. Kean, the former New Jersey governor who was president of Drew University until June 2005; and Peter J. Tobin, the former dean of the business school at St. John’s University, who also served as special assistant to the president there from September 2003 to May 2005, a few months after CIT entered the student lending business.

Dominic Scianna, a spokesman for St. John’s, said that the university was on break and that neither Mr. Tobin nor the university’s president could be reached for comment.

Mr. Kean said he saw no conflict in his positions in 2005. “I was making no decisions for the university at that point and the university had no connection with the company,” he said.

SUNY was one of eight universities that recently agreed to abide by a code of conduct drawn up by Mr. Cuomo’s office. It prohibits universities and their employees from receiving anything of value from any lending institution in exchange for any advantage and requires them to disclose the criteria used to select preferred lenders.

Columbia yesterday sent a lengthy e-mail message of reassurance to students about the stock sales by David Charlow, the director of financial aid for its undergraduate college and engineering school. “We believe that this has had no adverse financial consequences for students and their families,” the university said.

The house was a rental, yet within two months, we went from homeless to home-owners. Not just homeowners, but owners in an exclusive community, in a home worth twice as much as a lender turned us down for less than one year earlier.

But Here’s What’s Really Amazing …..

We bought our new home with no money down. And, we walked away from closing with a check for $7,297.43. It was a startling moment for us. The rules of the lending game have changed and anyone could take advantage of these changes to create a clear path to financial freedom - if they know what I was lucky enough to discover.

Now, you may be thinking that because of our hardship, somebody—or some government program—must have helped us out.

Nope.

And I wasn’t an expert on this subject then. Honestly, we were just lucky. But this ability to buy a home with no money from our own pockets – and walk away at closing with cash in hand - was an eye-opening discovery that gave me my first glimpse inside the lending game.

Before you send another hard-earned penny to your bank, there are somesecrets about the lending game that you need to know.

• Your banker knows these secrets.
• Successful investors know these secrets.
• The wealthiest people in your city know these secrets.

It’s time that you know them too. It’s true - without making extra payments or refinancing – just by learning how to use your existing assets to your advantage – you can save tens of thousands of dollars on what pay for your home. You could possibly even save hundreds of thousands of dollars, and put that money into investments that build your wealth – not the bank’s.

“Attention Homeowner: Save Tens of Thousands of Dollars on Your Mortgage — WithoutExtra Payments or Refinancing!”

Instead of Giving Your Banker Thousands That You Don’t Have to, Why Not Instead Use the Money to …

• Buy a second home?
• Travel the world?
• Plan an early retirement?
• Send your children - or grandchildren - to college?
• Build your own wealth?

“Lin and John provide a powerful, step-by-step system for saving anyone with a home mortgage tens to hundreds of thousands of dollars in interest without putting a cramp on their lifestyle. I have been a very active real estate investor for the past ten years, and the method they describe is unlike any other for creating equity in your home by applying simple, sound principles. I am strongly recommending this book to my friends and anyone who wants save serious money instead of giving it to their lender.”

Scott Nachatilo,Investor, Author Weekend Warrior’s Guide to Real Estate

This Information is For Homeowners

This financial instrument we used to get into our first home, was designed for homeowners. And, frankly, I’d have no problem telling you what it is -

Many homeowners are already familiar with the product and they use it for things like home improvements, consolidating debt, sending the kids to summer camp – whatever.

Primarily it’s used as a debt instrument– a way to get cash to deal with life, that ends up putting homeowners into more debt.

And that’s why I’m not going to reveal this loan instrument right here, right now. Because it isn’t the “the instrument” that really matters - it’s how to use it.

Although it’s nice to have money available to squeeze out of a jam, isn’t it sad that people don’t realize that they could use the same financial product to pay off their mortgage – fast - and to begin accumulating wealth, so they don’t have to borrow money to take care of life’s little surprises?

The Story of the Dumbfounded Bank Officer

I attended a lunch meeting where I met my co-author. I knew some of the other people, but I didn’t know Lin.

The ears of everyone at the table perked up when Linstarted telling a story about something that happened at her bank.

To be honest, I wasn’t really paying attention until I heard Lin say she was going pay off her house in eight years.That’s eight on a 30-year mortgage.

For starters, the first information product I ever bought was a “mortgage reduction” system when I was only 19. I’d read many books on the subject over the years – even though I wasn’t a homeowner!

When I heard Lin make this outrageous claim, I had to listen …

Lin went in to sign up for a common financial product that banks love to push (because it makes them rich). The way most people use this financial product, they end up deeper in debt while the banks get richer.

What piqued the banker’s interest was Lin’s explanation of how she was using the product to cut the 28 years remaining on her dream home to only 7 or 8 years. Lin said the banker was taking notes and when you learn our system, you’ll understand why!

As Lin told it at lunch that day, “The bank officer crouched below the top of her cubicle wall so no one could see her, leaned across the desk toward me and whispered, ‘THIS IS BRILLIANT!’”

Of course , I was skeptical. Who wouldn’t be?

I already knew all about paying a mortgage bi-weekly, and other accelerated payment plans that could knock years off a mortgage – but I’d never heard anything like this.

Bi-weekly payments and other accelerated payment methods work (did you get our free repot - top right - about biweekly warnings?) – and we’ll detail those techniques for you. All are approaches that are totally do-it-yourself - the way weoutline them for you - so that you won’t have to spend a penny to have “an expert” set it up for you.

Easy stuff.

Anyway, what Lin was sharing was beyond anything I’d ever heard anyone talk about. She was saying, “Without paying extra.”

What??

I can…

• cut years off my mortgage
• save thousands of dollars
• build equity faster
• all of this without making an extra payment or refinancing

For IMMEDIATE Access Get Your Copy Now

• It doesn’t matter how much money you make.
• It doesn’t matter how much money you have in the bank.
• It doesn’t matter how young or old you are.
• It doesn’t matter if you have a job, or are self employed.
• It doesn’t matter what type of property you want: house, condo, mobile home,
  whatever.

A few years ago I personally was refused a mortgage many times, due to bad
credit, and being told that I didn’t make enough money.
I too, used to feel like I’d never be approved for a mortgage by anyone.
I was dead wrong!

Every mortgage company out there either told me that I had really bad credit, or
no credit at all. I didn’t even have any credit score at all. You know, that
cute little 3 digit number that everyone uses to see if you’re "worthy" enough
for their loan. I probably couldn’t have got a loan for a can of soda if I
tried.

Not Until I Met These Guys…
I got a job at a private mortgage company. My views of mortgages, credit and
finance were about to change - big time.

This wasn’t your typical stuffy, boring, old lady banking type of company -
These were young professionals who had a great time doing what they did. And
they made lots of money doing it. They were getting loans for people like me.
I quickly realized that they obviously knew what they were doing.

They taught me the real in’s and out’s of the bad credit mortgage business. The
little known, no holds barred, guerilla finance methods used by real estate
pros.

I also learned the truth:
I found out how many people are being flat out lied to by their lenders. Even
the "perfect people" with great credit, that think they’ve got a great mortgage
- that couldn’t be further from the truth!

Even if they tell you that they can give you a bad credit mortgage - you’ll get
ripped off! Hell, even if you already have a mortgage - chances are you’re being
ripped off!

Unfortunately, big banks and mortgage companies are making huge profits off of
you, and either telling you that you just can’t get a mortgage with bad credit,
or giving you their pathetic offer - and telling you that it’s the best deal
you’ll ever get. People with bad credit are either told that they can’t get a
loan, or that they’ll only get a loan with high interest rates - that’s a flat
out lie! The fact is - if you have bad credit, you’ll be taken advantage of by
greedy banks and lenders.

That is, unless you know the secret…
I found out how Anyone, from Anywhere with Any Credit Score can get Killer Deals
on Any Mortgage.

I’ve helped countless people get the lowest rates and low down payments on all
kinds of Mortgages: Home Purchases, Refinances, Home Equity Loans - you name it.
I’ve also helped people with bad credit (even horrible credit) get mortgage
rates lower then people with good credit!

" I was
turned down for a home loan several times in 2 or 3 years and even tried all the
online loan companies on TV, all with no luck. Since I tried the first method of
yours, I’ve gotten 5 really good offers to choose from.  

Matt D.
Louisville, KY

The fact is, although these deals are
available to anyone - most people are just getting lied to or
ripped off by banks and mortgage companies!

Then… It opened my eyes to how mislead
people are when thinking about home loans! We’ve all been told the same
nonsense over and over, and lead to believe that "that’s just how
things are" from people, who were just told the same garbage by
other people. Most the commonly accepted "facts" that people
think they know, haven’t been true for 20 years!

" Hi, just a quick email to say
thanks for your incredible program. It’s got to be one of the
most complete systems I’ve ever come across. Your clear,
step by step directions are really easy. Anyone who follows
them is sure to get any loan they want in the future.
 
By the way, my credit score went from about a 300 to
650 in only a couple of months.

James M.
Albany, NY

Click Here NOW to
download your copy!

You can be debt-free FAST, and debt-free forever - I guarantee it!

It doesn’t matter how much or little income you make. It doesn’t matter how much debt you have.

If you are stressed and worried about debt,
I have two things to say to you:

1. You’re not alone
2. You’ve come to the right place!

Dear Friend,

Listen, I know what you’re going through. How? Because I’ve been there. I was desperate for years and years, struggling with being in debt… dealing with the stress and frustration of trying to make sure all the bills were paid and wondering if there was any hope financially.

I had car loans, a mortgage, credit card bills, small loans, rent-to-own and all sorts of monthly payments… sound familiar? Don’t feel bad… most of us have been there. Very few people even genuinely care about being debt-free (they whine about it, but are unwilling to do anything about it). The fact that you are reading this means you not only care, you’re ready to do something about it.

Like a lot of folks, I have been up and down, in and out of debt several times. What I didn’t know is that you have to have the right motives for wanting to be debt-free, or you’ll just end up there again. If you don’t have the right reasons for getting out of debt, you’ll end up worse than before. Just like putting on weight again after a successful diet, if you don’t learn HOW and WHY you should never get into debt again, you’ll “put on” the debt again - plus more - guaranteed.

I searched and searched for answers. A lot of what I found was either “pie in the sky”, full of gimmicks, or wasn’t presented in such a way that I could simply get busy getting out of debt… rather than getting busy learning some program or attending weeks of meetings.

Problem 1:
A lot of “get out of debt help” actually involves getting into MORE debt. You have to buy expensive information, start some “miracle” business that is supposed to bring money pouring in, pay someone to manage your finances for you, or take out a loan to pay your loans! I needed HELP, not more debt or complexity.
Problem 2:
I was desperate to get out of debt, but the “expert advice” I found was vague and didn’t seem to relate to MY situation. While a few of the techniques showed some results, like yo-yo dieting, I found myself right back in debt again - every time. Something important was missing.

I needed something:

• I could easily understand
• That could be implemented without incurring
  more debt, like a debt consolidation loan or some
  expensive program
• That would provide the right motivation and
  reasons to get out of debt and stay out of debt
• That addressed the entire problem including
  finances, personal habits and spiritual principles
• That did not involve bankruptcy

Introducing: Life Without Debt
No Excuses, No Whining, You’re Not a Victim
by Brent Riggs

You’ll find this book easy to read, and the techniques and suggestions I give you very easy to understand.

Easy, but not effortless. If you’re looking for a solution that doesn’t take effort or discipline, don’t buy my book. In fact, don’t even bother trying to get out of debt because you are not doing it with the right frame of mind.

Like most things in life, “unhealthy” things are easy. Fast food, watching TV and getting in debt are EASY. Healthy food, exercise and being financially free takes discipline and effort. That’s just a fact of life. Anyone who tells you otherwise is probably trying to make some quick money off you.

I live what I teach, and I’ve taught a lot of people for a long time. I’ve been a manager, an executive, a drill sergeant, a coach and a mentor to countless people. I’m a family man with six kids and a beautiful wife. My joy in life is teaching people to have financial peace, a well balanced life, and spiritual fulfillment.

Get my book; follow my examples and implement as many of the suggestions as you possibly can. Check out what one of my thousands of readers said:

“You’ll Eliminate Debt
and Live Prosperously”

Tony Graham
Carroll, Texas

In my book you will find everything you need to get out of debt FAST, and stay out of debt FOREVER!

• A basic understanding about debt - what it is and how to avoid it
• Encouraging true stories that will motivate you
• The true facts about the debt industry and their temptations
• Practical warnings about debt that will keep you from getting into more debt
• Busting the myths about needing and using debt
• Timeless principles that give you the real… and the right… reasons to get out of debt and stay out of debt
• Find out how - and why - you can stay out debt FOREVER
• I’ll teach you proven, easy to understand techniques that will have you paying off debts in record time
• The truth about the lucrative and opportunistic credit industry
• Dozens of ways to save money, reduce expenses and get out of debt
• How to set financial goals and actually keep them
• Avoid scams, gimmicks and sucker deals

That alone would be plenty to get you
out of debt but then I give you
a truck load of ways to
accelerate paying off your debt.
How fast you get debt-free is up to you.

• Suggestions on how to increase your income: more
  income equals more debt paid faster
• How to find a lot of extra money laying around your
  house and garage that can be used to reduce debt faster
• Several ways you can increase your cash flow
  dramatically
• Learn to cut your expenses so you can cut your debt
• Learn how to make your money go 20, 30, even 50%
  farther
• Learn how to save money on just about every single thing
  you  buy
• How to avoid the trap of wasting thousands of dollars
  on large ticket items
• The secret to finding and buying just about everything
  for pennies on the dollar
• Changing your lifestyle and mentality to ensure
  debt-free living forever
• Techniques on how to save thousands of dollars on your
  existing debt
• Learn how to tell your money what to do… or other
  people will (they’ll tell your money to leave your hands and
  come to theirs!)

At this point, I have to admit to one downside to my book. It doesn’t give you any “no-effort-just-sit-and-watch-TV-and-your-debt-will-disappear” magic tricks. I don’t promise it won’t be hard. I don’t lie and tell you it doesn’t require discipline and commitment. I’m not promising any get-rich-quick schemes or sure-fire lottery-jackpot secrets that will end your debt problems tomorrow.

First of all, those things don’t exist. Second, even if they did, it would be a mistake to go that route.

Yo-Yo Debt is Like Yo-Yo Dieting. If you don’t get out of debt the right way, for the right reasons, you’ll just end up back in debt worse than ever.
Remember the dieting analogy I keep referring to? Yo-yo “debting” is just as real as yo-yo dieting. If you do not change your lifestyle, change your motivations, and understand the real reasons why people get in debt, you can “crash diet” to reduce your debt, but you will gain it all back plus more every time.

So if you’re looking for an easy fix or flashy gimmicks, I’m not your guy.

Most Frequently Asked Questions:

• Are you just going to tell me what I NEED to do, but not tell me HOW to do it?

Nope. No bait and switch, no teasers. I tell you the actual things you need to do right now to start immediately getting out of debt. Where appropriate, I give step by step instructions. When you get done reading my book, you WILL know how to get out of debt.

• Are you giving me a bunch of great ideas that require buying other products or services?

Absolutely not. While I do inform you of other information, resources and my own websites, you do not have to buy anything extra or even visit any other site in order to get completely out of debt. Everything you need to know is revealed to you in the book.

• Will I really be able to immediately start using what you teach me, or like a lot of TV commercials, do I need to understand that the “results are not typical”? In other words, is it rare that people really get out debt doing what you teach?

It’s not rare at all, if you actually do what I teach you. In fact,
it works 100% of the time, guaranteed. Whether or not it works FOR YOU, is up to you. Sometimes “results are not typical” because someone buys an exercise program and then never exercises. Or, they buy a pill that is magically supposed to make them lose weight after eating an entire pizza. My techniques are not “magic pills”. They are real methods and solutions and they work, period. If you do not put the lessons to work, you won’t get out of debt. If you do, you will. Simple as that.

I can tell you this: if you put my
suggestions to use, you WILL be debt-free.

How fast you become debt-free depends on how intensely, how “extreme” you pursue the goal.
“Life Without Debt” costs $24.95

You’re not paying for paper and ink… you are paying for the advice and years of experience. You’ll save fifty times, or even a couple hundred times that amount in interest payments depending on the amount of your debt, not to mention what you will save by not getting into more debt… and what kind of value can you put on a life free of “debt stress”? What is financial peace of mind worth?

My book is not dirt cheap, and being in debt, you may think “How can I spend thirty-four more bucks???”

A logical reaction, but you’re talking about finally spending a little bit of money on something that is going to get you OUT of debt, instead of IN to debt.

Good news! The price doesn’t matter! If you DO NOT agree my book shows you how to get out debt and stay that way forever, I’ll give you your money back! If it DOES help you get out of debt, and stay out of debt, it will be the best money you’ve ever spent! Listen to these readers who obviously thought the money was well spent:

“I Can Do That!”
Brent,

I am learning your methods about debt reduction. Great stuff! I am thrilled that I bought it. My first thought was “I CAN do that!”

Sincerely,
Cory McIntyre
Hot Springs, CA

“Head Over Heels In Debt”

Brent,

“Head over heels in debt” described my situation perfectly! I was drowning in debt, working three jobs to keep away from the slippery edge–you know the one, where one more “surprise” could send you into bankruptcy! I thought it was a hopeless situation until I sent for your information about having a life without debt.

After implementing your advice for only one month, I have taken control of my spending AND I’m measurably cutting down the credit card! I waved goodbye to my shredded credit cards!

I give your program the “credit” (not always a bad word) for pointing me in the right direction. For the first time in over two years, I feel hopeful and that the “debt cloud” is lifting. This is a lifestyle I can stay with not just until my debts are paid, but for the “long haul”.

Thanks so very much!!
Sherry Welch
Paris, TX

Dear Brent,

Well done! I have finished “Life Without Debt” and have found your clearly stepped-out process to be invaluable to anyone truly wanting to be victorious over his or her own finances.

What could be more thrilling than having a simple and logical way to permanently rid yourself of debt and the collectors who keep pounding on the door with their demands? Kudos to you for providing this great information for those of us who have fallen for the debt industries marketing schemes.

I highly recommend you to everyone struggling with debt!

Thanks,
Favi Podereski
Vancouver, BC

With My Unconditional 100% Money-Back Guarantee, You’ve Got Absolutely Nothing to Lose! And a Debt-Free Life to Gain!
I am so sure that you can use this information to get out of debt FAST, and stay out of debt FOREVER, I am offering an unconditional 100% money-back guarantee.

If you’re not completely satisfied for any reason with your purchase, simply notify me within four weeks and I’ll refund your money, in full, with absolutely no questions asked!

That’s an entire month to find out what the book says. Read it, follow its advice, and be well on your way to being debt-free… or get your money back!

I don’t think I could be any fairer than that.

You’ve got absolutely nothing to lose! (except all your debt!)

There are websites that provide “debt reduction” information, some for free, some are very expensive. Much of it is gimmicks, some of it is simply teasers to get you to buy other products, many are simply the wrong approach, and almost NONE of them give you solid personal, spiritual, and logical reasons WHY you should get out of debt and stay out of debt. Without those reasons, you’ll “crash diet” (reduce debt) and then put all the “fat” back on (get in debt again!).

There are “get out of debt” products, systems, and courses that include DVD’s, workbooks and all sorts of goodies that sell for hundreds of dollars. To keep the price this low and the learning curve down, I just give you all the down and dirty information with no frills. You’re getting PURE VALUABLE information.

The price will NEVER be less. So don’t wait. You have nothing to lose - nothing except debt.

For $24.95 you get everything you need to know to get out of debt. No fluff, no teasers for other products that have the REAL information.

In fact, you get WAY MORE than you need to just get out of debt… you an entire list of methods, tips, and techniques allowing you to accelerate your debt reduction more than you ever dreamed of, no matter what your income is, no matter what the amount of your debt!

You can purchase using Visa, MasterCard, American Express, or Discover. (If you are not already using a debit card, hopefully this will be one of your last credit card purchases. You willl understand what I mean after you read my book). You can also use an online check if you are a U.S. customer. All orders are 100% secure and your personal information is NEVER, and I mean NEVER, shared with anyone.

The book is produced and shipped immediately. Delivery is often just a few days.

Get Out of Debt FAST! And Stay Out of Debt FOREVER!

Buy my book today and you’ll be on your way to a debt-free life and enjoying financial peace.

Order “Life Without Debt” Today!

]]> http://normaloan.com/life-without-debt-extreme-get-out-of-debt-secrets.html/feed http://normaloan.com/home-trading-expert-reveals-the-real-way-to-start-making-money-from-home-today.html http://normaloan.com/home-trading-expert-reveals-the-real-way-to-start-making-money-from-home-today.html#comments Wed, 26 Nov 2008 17:56:25 +0000 Anran http://normaloan.com/?p=31 Dear Friend,

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Having traded the Forex Markets for over two decades I know just how profitable it can be.

In fact… at this precise moment in time, trading from home is the most effective way to surpass your current earning potential and quit your day job.

Given the supreme profitability of Forex, coupled with groundbreaking advancements in trading technology I sought out leading industry programmer Steven Phillips to help me create the multi-award winning Forex Robotics Expert Device, affectionately known as F.R.E.D™

Steven had previously been employed to develop systems for several of the world’s largest brokers. I can tell you that his last project (T-FAX) was sold for $3.4 million in April of 2007. Unfortunately he had signed a Non Compete and NDA agreement with the company, forbidding him to create software which trades derivatives for any other rival firms.

Knowing that Steven was now unable to use his programming skills to build software for the large financial institutions, I approached him with my project…

I asked if it was possible to create a Forex trading robot that ANYONE could use, not just huge the huge Forex companies. I wanted to know if the robot could operate with literally no human intervention, meaning that a person with no prior trading experience could still make extraordinary profits.

I told him I wanted to develop a system capable of achieving the same results as the Professional Forex Millionaires… in half the time with less than half the work!

 I also wanted to create something that would let me earn money wherever and whenever I wanted. The idea behind it would be – minimum effort with maximum return.

After all – there’s no point in having money if you don’t have the lifestyle to go with it. So, I began thinking about the qualities associated with the perfect working experience…

	The ability to work from home or wherever I choose.
	The chance to earn an income that would look after me and my loved ones.
	Something enjoyable.
	Something exciting.
	The ability to work whenever I choose.
	Something I can be proud of.
	No previous experience or technical skills required.
	A career that would let me start earning money immediately!

What we came up with turned out to be…
The Ultimate Work From Home Position
The results from the initial BETA testing of F.R.E.D™ were nothing short of astonishing! Below is a Backtest report of exactly how we were able to generate $400,000 from a small initial investment.

Click Here to see the backtest

]]> http://normaloan.com/home-trading-expert-reveals-the-real-way-to-start-making-money-from-home-today.html/feed http://normaloan.com/would-you-like-to-get-paid-to-work-at-home-from-your-own-computer.html http://normaloan.com/would-you-like-to-get-paid-to-work-at-home-from-your-own-computer.html#comments Wed, 26 Nov 2008 17:38:44 +0000 Anran http://normaloan.com/?p=27
• Online Companies Will Pay YOU $5 to $125 for Each Survey!
• Get Paid to Participate in Online Focus Groups $50 to $150 Per Hour!
• Get Paid to Try New Products - Keep The Products For FREE and Get Paid Too!
• Get Paid to Watch Movie Trailers $4 to $25 Per Hour!
• Get Paid $5 to $95 Per Hour to Take Surveys Offline Also!
• Get Paid to Travel! Earn $100’s Each Month Just for Traveling!
• Get Paid to Drive Your Car $1000 to $3000 per month! Plus They Pay For Your Gas!

IT’S THE PERFECT JOB! Work from home and set your own hours. You’re in control!

How would you like to sit in the comfort of your own home, fill out surveys online, participate in online focus groups and get a nice big paycheck at the end of the month??!! PaidSurveysOnline.com and its partners bring you fresh opportunities to express your opinions, participate in online focus groups, try out new products, AND get paid to boot!!!

You can work whenever you’d like, morning, noon, night .. midnight if you’d like .. it doesn’t matter. Simply log in and select surveys to fill out, get paid for your time. Work for 30 minutes or three hours, it doesn’t matter..you set your own hours!

This is a perfect opportunity for stay at home moms, students, or someone that just doesn’t have time for a commute to a dead end, part time job. OR, for anyone who wants to sit in their pajamas and work at home!!

THIS IS A DREAM JOB! No gimmicks. No catch. Work from home whenever you want!
Why would anyone pay for your opinion? That’s easy! Companies that make and sell products want to know what everyday people think. How they think. What they like and don’t like. These companies spend millions researching products and ideas before putting them out on the open market. They are willing to pay you for your time. It’s called Market Research, I am sure most of you have heard that term before. Did you know Movie Companies pay people to watch movies as they are being filmed? They have people watch different versions or parts of the movies or movie endings and ask peoples opinions to determine what will be the biggest hit at the box office. These people get paid of course. That is exactly what you will be doing. Giving your opinion to help companies determine the best way to market or sell products. The best part is your opinion is worth MONEY!!

In the old days people would have to go to the companies offices, sit and wait, fill out forms, test products, fill out more forms. This was very time consuming and inconvenient and to many people had other things to do during the day.
Times have changed! The Internet now makes it possible for the companies to send the information right your living room!

All the programs we list have been thoroughly checked out and are guaranteed to pay. We use these programs daily to make ourselves a monthly paycheck. These are all simple and easy ways to stay at home, and make a great income. Some people do it part-time for the extra $250-$500/month to pay their car payment. Others work full-time and make enough to quit their jobs! It’s your choice.

Personally I love it! I take my son to school, come home and start taking surveys. Work for maybe an hour or two, then head off to the gym. Come home and do a few more surveys. Run out to do a few errands and pick up my son from school. Do a focus group or a few more surveys before dinner and I’m done for the day. I fit my work in whenever I can. The part I like best is I can do it for 5 minutes or a few hours .. I can fit it in whenever I have time and I’m not tied down for long periods of time and I never have to leave the house!

Of course now everyone I know does online surveys for pay too! My mom is retired and really needs the extra money. My sister is just out of college and has a great job .. but really needs a few hundred extra a month for the extras we all enjoy. My best friend just had a baby and when I told her what I was doing and how much I was making she tried it out before going back to work. She is so happy she did .. now she stays home with her daughter and makes great money .. and she spends wonderful quality time with her child. This is such a great job I know you will just love it.

Now you can get started making great money filling out online surveys too. You will receive instant access and can be working by tomorrow! You will have access to hundreds of companies that will pay you to sit home and give your opinion!

Sign up now to have instant access to our members area.
We update daily so there is always fresh new companies to select from.

]]> http://normaloan.com/would-you-like-to-get-paid-to-work-at-home-from-your-own-computer.html/feed http://normaloan.com/surveyscoutcom-paid-for-your-opinion.html http://normaloan.com/surveyscoutcom-paid-for-your-opinion.html#comments Wed, 26 Nov 2008 17:22:54 +0000 Anran http://normaloan.com/?p=25 “They laughed when I said I was going get paid to take surveys until they saw my first check!”

Did you know everyday companies pay big bucks to people like you and me just to know what we are thinking? It’s true! They are desperate to understand how you think and shop and why you buy certain products because this helps companies improve their products, and they in turn they pay YOU good money for your opinion. They Need You! Right now, I have hundreds of market research firms looking for survey takers. If you are a housewife, a stay-at-home mom, a student, retired, working full time, or just looking to make some extra cash, SurveyScout is your ticket to fun, easy money.

I will show YOU how…
• You can get paid to take online surveys and make from $5 to $75 each, or more
• You can get paid to participate in focus groups and make up to $150 an hour
• You can get paid to take phone surveys and you can earn as much as $120 an hour
• You can get paid to try new products (and keep the free products too)
• You can get paid to preview new movie trailers for $4 to $25 an hour

Make Money Taking Surveys or Your Money Back — period

I am so sure that you will love how much money you make I guarantee you:

“If SurveyScout is not the easiest and most complete money-making resource on the web just let me know within sixty days and I will gladly refund your subscription. No questions asked.”

I have found this to be one of the easiest and most fun ways to make money online today (mostly because I get to spend more time with my husband and kids). You can have this life too.Start NOW by putting your first name and email address in the box above and click ‘Continue’ to get started.

You will be the one showing off the checks to your disbelieving friends!

Start Sample Survey

]]> http://normaloan.com/surveyscoutcom-paid-for-your-opinion.html/feed http://normaloan.com/guaranteed-foreclosure-solutions.html http://normaloan.com/guaranteed-foreclosure-solutions.html#comments Wed, 26 Nov 2008 06:43:19 +0000 Anran http://normaloan.com/?p=22 Saving Your Home
Starts With You!!

You CAN Save Your Home!!

98% of ALL Foreclosures
Can Be Stopped.

We Even GUARANTEE It!

What If You Had Guaranteed Way To Stop Your
Foreclosure in the Next Two Weeks?

Without Having to Come Up With
Thousands of Dollars to Do So?

Homeowners are desperate to save their homes;
but very few homeowners know exactly what to do.

Actually, there are over 40 different options to choose from
when it comes to saving your home.

Most homeowners know of one or two.

However, you don’t need to be an expert and know every one.

You simply need to know what to do.
You need to know what type of documentation is necessary.
You need to know who to call.
And you need to know how to get results.

Bonus #1) Free Loan Modification Report showing you how to modify your rate, payments, and more with no refinance costs!
Bonus #2) Free Credit Repair Report. Sooner later that score needs to go up.
Bonus #3) Free Grant Guide. The government is getting more programs every day to try and assist homeowner in distress.
Bonus #4) We will give you access to a top company for refinances (They can even discount your mortgage!), sale lease backs (Gain equity and lower your payments!), and loan modifications (Clients in forclosure have gotten fixed rates a 5%!!)

That’s What We Do

We have been helping homeowners save their homes since 1995.

As former Loss Mitigation Specialists for two of the country’s
largest lenders, we have worked on the lender’s side of the phone for years.

Now, with the foreclosure crisis in full swing,
we figured it was time for homeowners to find out that
saving your home is not as hard as you may believe.

We know exactly what it takes to save your home;
and all of the options available to you.

Did you know that…

-You can have your adjustable rate mortgage converted to a fixed rate?
Without refinancing or paying any refinance costs?

-You can get your lender to suspend your payments
for several months so you can get caught up?

-You can get your back payments spread over the life of your loan?
Making a repayment plan actually affordable?

-You can actually get your payments and/or your interest rate lowered?

-There is even a special government program that will give you
a second mortgage for all of your back payments, interest, and legal fees?

-You can sell your home for less than you actually owe on it?

Everything You Thought You Knew About
Foreclosure is Probably Dead Wrong

But again, most people simply don’t know.
After all, they don’t go through foreclosure every day.

And most people can’t fork out thousands of dollars
to try and save their home.

If they could, they probably wouldn’t be in foreclosure in the first place.
Everyone needs an option that they can actually afford.

You may have already tried talking with your lender.
And they refused to work with you at all.

Or they may have offered some ridiculous program that requires
you to pay an additional $300 to $400 very month;
in addition to your current monthly mortgage payments.

Most people think that they have only one option;
the option offered by their lender.

That is incorrect.

That is simply the best option for the lender;
not the homeowner.

You need to know exactly what other options you have
to keep your home.

The Solution

If you can follow some simple directions,
you can do this as well as any Loss Mitigation company out there.

Once you actually learn what your options are, you can work on
getting a loan workout plan that benefits you as well as your lender.

Your Best Option to Save Your Home

There is a new option available to homeowners that more and
more lenders are beginning to accept.

It is called a “Loan Modification” and here’s how it works….

With a Loan Modification, your lender allows you to put the missed payments,
late fees, and attorney costs over the entire life of the loan.

In other words, if you owe back payments of $6000, and have
27 years left on your loan to pay, you could spread that $6000
over the remaining 324 months left on your loan (27 years x 12 months)

This would mean that you would have to add an additional $18 per month
to your current monthly payment ($6000 divided by 324 months).

No joke; you could save your home for under
$20 extra dollars every month!!

And since a Loan Modification results in a brand new promissory note being created
(to reflect the new loan amount, new monthly payments, etc)…

The new note that is created is considered current at the time it is created.

What this mean is that with a Loan Modification,

your foreclosure is stopped immediately.

And you have a monthly payment that is actually affordable.

As lenders get overwhelmed by the sheer number of properties they are taking back
thru foreclosure, this option is becoming more and more popular.

However, this program is sometimes difficult to get your lender to accept;
unless you know how to present it correctly to your lender.

Since this one of the best options for homeowners,
we really want homeowners to focus on this.

We’ll show you exactly what to do in four simple steps
with the included Loan Modification Report.

Your Other Options

But that is merely one option you can ask for.
You have several others as well.

Including options for people that simply cannot afford
to keep their home any longer.

You are walked step by step through the entire process.
What to do first, who to call next, what you will need.

If Step 1 doesn’t work, go immediately to Step 2.
If Step 2 doesn’t work….

Most homeowners are willing to do whatever
it takes to save their home.

But nobody has ever shown them exactly what it
is that they have to do.

You will also learn…

-What to do even if you owe more than your house is worth

-How to minimze the damage to your credit

-Different options you have that your lender doesn’t want you to know

-How to get a workout plan that doesn’t require $1000s of dollars
upfront and double mortgage payments

-What to do if your lender is being difficult

-Access to HUD Certified housing specialists that will help you
through the entire process- and they are FREE!!

-Contact numbers for the correct department
of every major lender in the country
(this alone can save you hours)

-Sample letters you will need to use to get a workout plan

-Where to go to get information from other homeowners that
are all going through the same thing

It Will Take Work

Stopping your foreclosure will take work;
and it is something that you will have to do yourself.

But if you do not know where to call, what to ask for, and exactly
what options you have to save your home,
you will probably fail.

Saving your home takes knowledge and information.

Why not get that infomation from people that know how the process works.

We understand that not everyone feels that they can do this.

You may not have the time;
you may feel intimidated by your lender;
you may simply think that these options are too good to be true.

If you feel you cannot do this yourself,
simply send us an email.

We will get you over to a Loss Mitigation company that actually gets
results and costs under $600 to save your home for you.

However, you can do everything they can do for you;
you just need to know how.

And you can do it all yourself;
for under 1/10th of the price.

The Home Saver’s Report

You will learn the exact same process that Foreclosure Prevention
companies use (and charge $1000s for) to stop your foreclosure.

Who to talk to.

What they are looking for.

What documentation you will need.

How to present your offer.

The different options you have that your lender
doesn’t tell you about.

The more options you know about,
the better your chances are that you can save your home.

And the better your chances to get a workout
plan that is actually affordable.

We understand that money is tight;
otherwise you wouldn’t be here.

That’s why we’re keeping the price affordable for anyone.

What’s the cost?

$67

Get the Home Saver’s Report today!!

]]> http://normaloan.com/guaranteed-foreclosure-solutions.html/feed http://normaloan.com/guaranteed-bad-credit-financing.html http://normaloan.com/guaranteed-bad-credit-financing.html#comments Wed, 26 Nov 2008 06:31:24 +0000 Anran http://normaloan.com/?p=20 Loans and Credit Cards For Bad Credit
CreditSources.org has been created to help those with bad credit find the financing they need and deserve. Bad credit personal loans, bad credit auto loans, credit cards, and more are all within your reach with us. No matter how bad your credit situation is, you will not find a better resource than CreditSources.org!

Divorce, bankruptcy, slow pays, repossessions, and other credit blemishes are not a problem. Even if you have been turned down in the past we can get you approved for a loan today! Simply join, find the loan that fits your needs, and apply instantly online. It’s fast, easy, and 100% secure. Ready to get started? Join Now .

Over 125 Respected Banks and Bad Credit Lenders
When you become a member of our exclusive online community, you will receive immediate online access to our extensive list of bad credit lenders and credit card providers. This special loan directory contains lenders that will work with you and get you approved for loans or credit cards even with bad credit! We have already helped thousands of people get the credit they need, now we can help you!

Use Your New Loan for Any Reason
Do you need money to start a business, go to school, or buy a new car? Or maybe you would simply like to pay off your debts or take a vacation? CreditSources.org can help you find the right loan even with your bad credit. If it’s a personal loan or credit card you are looking for we can help you find financing up to $25,000! Plus, once you are approved you can use your loan or credit card for any reason. It’s totally up to you!

Special Financing Programs Are Available For All Members
No money down, no credit check, and no collateral are just a few examples of the financing options we can offer to our members. Plus, our members enjoy some of the best interest rates currently available, and some of our lenders will even guarantee your approval! We also have many government resources within the members area to help you get the funding you need. Finally, you can get a loan with payments and terms you can afford!

Why risk finding your loan anywhere else? We are so confident we can help you find the perfect loan that we even offer you a 100% money-back guarantee. Take control of your credit and join today!

Join Credit Sources Today

]]> http://normaloan.com/guaranteed-bad-credit-financing.html/feed http://normaloan.com/free-cash-grants-only-995.html http://normaloan.com/free-cash-grants-only-995.html#comments Wed, 26 Nov 2008 05:44:27 +0000 Anran http://normaloan.com/?p=17 Loans for people with bad credit:

Those who have missed payments or paid late, defaulted on a loan or credit card, filed for bankruptcy in the past, etc. usually present a stained credit report that scares lenders away. Our bad credit lenders however, are specialized on dealing with these applicants and can cope with the higher risk involved in bad credit lending transactions. Bad credit loans provide funding but they also provide a way to recover the borrower credit.

Our bad credit financial products are exactly what you need. Within our site you will find that our recommended lenders are offering the most inexpensive bad credit loans of the market featuring all kind of loan types with longer repayment programs, lower interest rates and thus lower monthly payments than anywhere else!

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Moreover, you will find within our site that there are many different loan types and that bad credit loans are not restricted to personal loan financing. There are bad credit car loans, bad credit student loans, bad credit home loans, bad credit refinance loans, bad credit cash advance loans, bad credit consolidation loans and many more!

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Whether you need a secured or unsecured personal loan of a low or high amount, with a long or short repayment program, you can find it right here at ifsloans.com. We will tailor a loan for you! Personal Loans can be used for any purpose you can imagine. For instance, you can use them for going on vacations, buying a laptop computer, repaying consumer debt or any other use you can think of. There are no limits!

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Are you ready to get your second chance?
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