December 16, 2000

Welcome to 0nly4Homebuyers Issue 27

Happy Holidays! We here at Creative Mortgage Co
wish you all a happy and safe holiday season.
http://www.creativemortgageco.com/
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Reading Between The LINES
By Doris Dobkins
http://www.creativefinances.com


Dear (Insert Your Name Here):

Having more cash makes the holidays merrier. This letter and the
enclosed checks are a huge gift box to you brimming with CASH. Celebrate
the holidays just the way you want. Call a caterer and give yourself
and your friends a truly wonderful holiday party. Surprise someone
special with a gift everyone will talk about for years to come.

Use the enclosed checks and get a jump on the New Year. Whatever your
plans, the enclosed checks will make gift giving seem effortless.

We are giving you the spending power that’s bound to make the happiest
of holidays for those who mean so much to you. Get extra cash and have
peace of mind for the New Year. Wrap up holiday details quickly and
conveniently with the enclosed access checks, then sit back and enjoy
the holiday season.

Purchase new furniture or a computer… Make a down payment on a new car…
Take a vacation… Even write a check to yourself, deposit it into your
checking account to use however you like.

Sincerely,

Your Friend
Chief Marketing Officer
Your Credit Card Company

Translated Version:


Dear Naive Customer:

We depend on you to make us rich. Therefore, increase your debt and
have a miserable holiday. The enclosed checks are not a gift. They are
disguised as a gift and we say they are a gift for the foolish people
out there who will use them (and there are plenty of people who will).
They really aren't a gift, they are just credit offers to make you pay
more for things than you would if you were paying cash.

Celebrate the holidays the way you want. Spend as much as you can.
We'll get rich off of you. You should be paying off your mortgage but
we'll get you to pay us instead and then one day you'll wake up old,
still owing us lots of money and you won't be able to retire because you
have NOTHING.

So get yourself in more bondage this holiday season. Borrow from us to
consolidate your loans. Then you'll free up those other cards so you
can charge them up again. It works most of the time. If you have a lot
of debt, show your friends that everything is under control. Throw a
party and have it catered. We won't charge you anything until that
check hits the bank. Then we'll get you on interest from day one. But
your friends will be impressed and that’s what counts. Yes, increase
your debt. Everyone around you would be so much happier. It’s the noble
thing to do!

Set yourself back financially for the New Year. Go now, cash these
checks (that’s why we give deadlines to motivate you into quick
action). Work an extra 20 years to pay these bills off. Indulge
yourself now. You deserve to have everything you want right now. Self-
Gratification RULES! That’s our motto and we love it. It makes us RICH!

Get some cash now. You won't have peace of mind after you get our bill.
We will make money off of you even if you pay your bill in full, which
most of you won't do. We know that and that’s why we offer you the
promotional rate for a few months. You'll be so in debt it'll probably
take you 42 years to pay off the bill. That’s the average for most
people. Plus, we'll increase your interest rate after just a few months
and we'll always apply the payments you make to the lowest interest
portion of your bill.

We know you can't afford a fancy new television set or that expensive
new sports car but if you use these checks you can get them. You may
end up defaulting on the loan and losing the purchase but that’s ok.
We'll still make lots of money. Matter a fact, if you pay the item off
eventually, you'll usually pay 3 times the purchase amount because of
interest and WE get that money. By the way, if you can't think of
anything to buy and need a little extra time, just write a check for
the highest amount and put the money in your bank account. Sure we'll
charge you more interest than your bank pays but just think about all
the money you'll have in your account.

You probably won't enjoy the holiday season much worrying about your
payments and being slaves to your debt, but we really don't care.

Happy Debt-Ridden Holidays

Sincerely,
Disclosure Department of
Your Credit Card Company

** ++ ** + ** ++

Learn how to get out of debt and stay out of debt.
Get your copy of “Financial Freedom From A-Z” from
Doris Dobkins today.

TRIPLE YOUR MONEY IN 45 DAYS OR she will PAY YOU THE
DIFFERENCE! http://www.creativefinances.com/book
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Holiday Home Sellling
by Cindy Snyder

Many people think that the Holiday season is not a good time
to buy or sell homes and it is true that only the hard core buyers
may be looking during this time of year. Many people will abandon
plans to sell during this time to concentrate on getting ready for the
holidays, but that just means less competition for you! If you are
a couple or family, this may be the best time to take time off
together to look for a home.

We are very transient people. Our jobs are moving us from city
to city and state to state every day of the year! Many people will
not want to wait to find a home for their families. Waiting until after
the holidays may mean months before the family can be together
again permanently.

For the seller, this is a perfect time to go all out with your
decorating! That catheral ceiling is best shown off with a
huge sparkling tree. How about an elaborate garland wound
around the stair banister? The dining room table set with your
best sparkling china and holiday linens? The wonderful smell of a
live Christmas tree and wreathswork wonders! A roaring fire, candles
and all the wonderful scents of Christmas will enhance your homes
best features.

So, don't abandon your plans for selling your home until
after the holidays. You may get less traffic, but that is okay.
The traffic you do get will be serious potential buyers!

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