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	<title>Comments for Four Pillars of Income Financial Freedom Blog</title>
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	<link>http://www.fourpillarsofincome.com/financial-freedom-blog</link>
	<description>Achieve Financial Freedom and Build Wealth for Keeps</description>
	<pubDate>Fri, 12 Mar 2010 05:04:09 +0000</pubDate>
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		<title>Comment on Am on pace to be completly debt free this summer? But have heard that could hurt your credit score.? by Robert W</title>
		<link>http://www.fourpillarsofincome.com/financial-freedom-blog/debt-free/am-on-pace-to-be-completly-debt-free-this-summer-but-have-heard-that-could-hurt-your-credit-score/comment-page-1#comment-5015</link>
		<dc:creator>Robert W</dc:creator>
		<pubDate>Mon, 01 Mar 2010 00:58:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.fourpillarsofincome.com/financial-freedom-blog/debt-free/am-on-pace-to-be-completly-debt-free-this-summer-but-have-heard-that-could-hurt-your-credit-score#comment-5015</guid>
		<description>yes!! if you don't owe anything the banks and others don't know how good or bad you pay?? in time you won't have any credit reports in your file and no one will give you a loan?? in short=you have to have credit to get credit? even if it is just a little??&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>yes!! if you don&#8217;t owe anything the banks and others don&#8217;t know how good or bad you pay?? in time you won&#8217;t have any credit reports in your file and no one will give you a loan?? in short=you have to have credit to get credit? even if it is just a little??<br /><b>References : </b></p>
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		<title>Comment on Am on pace to be completly debt free this summer? But have heard that could hurt your credit score.? by This Jersey Girl ♥♥♥</title>
		<link>http://www.fourpillarsofincome.com/financial-freedom-blog/debt-free/am-on-pace-to-be-completly-debt-free-this-summer-but-have-heard-that-could-hurt-your-credit-score/comment-page-1#comment-5014</link>
		<dc:creator>This Jersey Girl ♥♥♥</dc:creator>
		<pubDate>Mon, 01 Mar 2010 00:15:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.fourpillarsofincome.com/financial-freedom-blog/debt-free/am-on-pace-to-be-completly-debt-free-this-summer-but-have-heard-that-could-hurt-your-credit-score#comment-5014</guid>
		<description>man I am going through the SAME thing in order to buy a house. Let me tell you the insane things I've learned along the way #1, you should have one or two open credit cards and use no more than 15% of the limit on there, having balances down to zero shows as &#34;inactive&#34; and the account sometimes (especially with the new laws in place) will be closed making your credit look like sh*t.  #2. There was things called &#34;hard inquiries&#34; it's when someone looks into your credit and it stays on there for 2 years, even more and that brings your score WAY down more than carrying higher balances than 15%. It's all an as* backwards game that really makes NO sense whatsoever.  I'd get a copy of your credit report(s) and keep an eye on what's on there and any changes. It's almost impossible to get false information off your reports too, you have to work with a (ligit - check with the BBB before using anyone) company to remove false information such as (3 inquiries from one company for no reason). It's hell and it's going to make you crazy and sick, just do the best you can, keep an eye on things and do a lot of research because new laws were put into place today by credit card companies that can HURT the consumer. Best of luck to you, don't let it drive you crazy!&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>man I am going through the SAME thing in order to buy a house. Let me tell you the insane things I&#8217;ve learned along the way #1, you should have one or two open credit cards and use no more than 15% of the limit on there, having balances down to zero shows as &quot;inactive&quot; and the account sometimes (especially with the new laws in place) will be closed making your credit look like sh*t.  #2. There was things called &quot;hard inquiries&quot; it&#8217;s when someone looks into your credit and it stays on there for 2 years, even more and that brings your score WAY down more than carrying higher balances than 15%. It&#8217;s all an as* backwards game that really makes NO sense whatsoever.  I&#8217;d get a copy of your credit report(s) and keep an eye on what&#8217;s on there and any changes. It&#8217;s almost impossible to get false information off your reports too, you have to work with a (ligit - check with the BBB before using anyone) company to remove false information such as (3 inquiries from one company for no reason). It&#8217;s hell and it&#8217;s going to make you crazy and sick, just do the best you can, keep an eye on things and do a lot of research because new laws were put into place today by credit card companies that can HURT the consumer. Best of luck to you, don&#8217;t let it drive you crazy!<br /><b>References : </b></p>
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		<title>Comment on Am on pace to be completly debt free this summer? But have heard that could hurt your credit score.? by Janey</title>
		<link>http://www.fourpillarsofincome.com/financial-freedom-blog/debt-free/am-on-pace-to-be-completly-debt-free-this-summer-but-have-heard-that-could-hurt-your-credit-score/comment-page-1#comment-5013</link>
		<dc:creator>Janey</dc:creator>
		<pubDate>Sun, 28 Feb 2010 23:51:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.fourpillarsofincome.com/financial-freedom-blog/debt-free/am-on-pace-to-be-completly-debt-free-this-summer-but-have-heard-that-could-hurt-your-credit-score#comment-5013</guid>
		<description>Paying your debt off is not going to hurt you.  When someone has never had a credit card or any debt, they don't have any credit.  In your case, you are paying your credit down/off.  Your credit is still there.  You should use your cards periodically to keep them active.  Don't close the cards.  

I have zero debt at this point but have both mortgage, car and credit cards showing zero balances.. the mortgage and car are obviously closed accounts but the credit cards are open and active and my score is very good.  This after having a score  in the mid 400's just a few years ago. (following divorce).&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>Paying your debt off is not going to hurt you.  When someone has never had a credit card or any debt, they don&#8217;t have any credit.  In your case, you are paying your credit down/off.  Your credit is still there.  You should use your cards periodically to keep them active.  Don&#8217;t close the cards.  </p>
<p>I have zero debt at this point but have both mortgage, car and credit cards showing zero balances.. the mortgage and car are obviously closed accounts but the credit cards are open and active and my score is very good.  This after having a score  in the mid 400&#8217;s just a few years ago. (following divorce).<br /><b>References : </b></p>
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		<title>Comment on Am on pace to be completly debt free this summer? But have heard that could hurt your credit score.? by Dixie Darlin'</title>
		<link>http://www.fourpillarsofincome.com/financial-freedom-blog/debt-free/am-on-pace-to-be-completly-debt-free-this-summer-but-have-heard-that-could-hurt-your-credit-score/comment-page-1#comment-5012</link>
		<dc:creator>Dixie Darlin'</dc:creator>
		<pubDate>Sun, 28 Feb 2010 23:36:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.fourpillarsofincome.com/financial-freedom-blog/debt-free/am-on-pace-to-be-completly-debt-free-this-summer-but-have-heard-that-could-hurt-your-credit-score#comment-5012</guid>
		<description>Being debt free is great! 

You do not have to be in debt to continue to build your credit rating. On the credit cards that you currently have charge small amounts, like groceries and gas each month, make sure and pay off the entire balance each month. This will allow you to continue building credit. 

If you do not use your credit, you will loose it. The card accounts will be closed due to being inactive.&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>Being debt free is great! </p>
<p>You do not have to be in debt to continue to build your credit rating. On the credit cards that you currently have charge small amounts, like groceries and gas each month, make sure and pay off the entire balance each month. This will allow you to continue building credit. </p>
<p>If you do not use your credit, you will loose it. The card accounts will be closed due to being inactive.<br /><b>References : </b></p>
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		<title>Comment on Am on pace to be completly debt free this summer? But have heard that could hurt your credit score.? by Poppy</title>
		<link>http://www.fourpillarsofincome.com/financial-freedom-blog/debt-free/am-on-pace-to-be-completly-debt-free-this-summer-but-have-heard-that-could-hurt-your-credit-score/comment-page-1#comment-5011</link>
		<dc:creator>Poppy</dc:creator>
		<pubDate>Sun, 28 Feb 2010 23:30:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.fourpillarsofincome.com/financial-freedom-blog/debt-free/am-on-pace-to-be-completly-debt-free-this-summer-but-have-heard-that-could-hurt-your-credit-score#comment-5011</guid>
		<description>Check out Dave Ramsey he is a multi millionaire with a fico score of &#34;0&#34;. There are banks that will deal with you on home buying, being debt free and a steady income. I'm proud of you keep up the good work. A fico score is nothing other a score on your indebtedness.&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>Check out Dave Ramsey he is a multi millionaire with a fico score of &quot;0&quot;. There are banks that will deal with you on home buying, being debt free and a steady income. I&#8217;m proud of you keep up the good work. A fico score is nothing other a score on your indebtedness.<br /><b>References : </b></p>
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		<title>Comment on 10 tips to avoid financial freedom? by puzzled</title>
		<link>http://www.fourpillarsofincome.com/financial-freedom-blog/financial-freedom/10-tips-to-avoid-financial-freedom/comment-page-1#comment-5010</link>
		<dc:creator>puzzled</dc:creator>
		<pubDate>Thu, 25 Feb 2010 02:07:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.fourpillarsofincome.com/financial-freedom-blog/financial-freedom/10-tips-to-avoid-financial-freedom#comment-5010</guid>
		<description>1.  spend more than you earn

2.  go overlimit on the highest interest rate credit cards you can find, and never make your minimum due payments on time, so that you rack up late fees every month

3.  remortgage your home to the hilt, at high interest rates, until you owe much more than your home is worth

4.  become unemployable by doing something illegal in your workplace, getting fired, and getting a criminal record (but nothing that lands you in jail for long, since the taxpayers would then be paying your rent)

5.  invest in every get-rich-quick scheme you can find, ensuring you will get absolutely zero return on your investment

6.  do not put any money in the bank, in an IRA account, in mutual funds, or in any other legitimate investments

7.  lend money to strangers who ask for help

8.  dabble in on-line gambling

9.  develop a serious shopping channel habit

10.  if all else fails, develop an addiction to a costly and debilitating drug like heroin&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>1.  spend more than you earn</p>
<p>2.  go overlimit on the highest interest rate credit cards you can find, and never make your minimum due payments on time, so that you rack up late fees every month</p>
<p>3.  remortgage your home to the hilt, at high interest rates, until you owe much more than your home is worth</p>
<p>4.  become unemployable by doing something illegal in your workplace, getting fired, and getting a criminal record (but nothing that lands you in jail for long, since the taxpayers would then be paying your rent)</p>
<p>5.  invest in every get-rich-quick scheme you can find, ensuring you will get absolutely zero return on your investment</p>
<p>6.  do not put any money in the bank, in an IRA account, in mutual funds, or in any other legitimate investments</p>
<p>7.  lend money to strangers who ask for help</p>
<p>8.  dabble in on-line gambling</p>
<p>9.  develop a serious shopping channel habit</p>
<p>10.  if all else fails, develop an addiction to a costly and debilitating drug like heroin<br /><b>References : </b></p>
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		<title>Comment on 10 tips to avoid financial freedom? by Judy</title>
		<link>http://www.fourpillarsofincome.com/financial-freedom-blog/financial-freedom/10-tips-to-avoid-financial-freedom/comment-page-1#comment-5009</link>
		<dc:creator>Judy</dc:creator>
		<pubDate>Thu, 25 Feb 2010 01:36:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.fourpillarsofincome.com/financial-freedom-blog/financial-freedom/10-tips-to-avoid-financial-freedom#comment-5009</guid>
		<description>1 - Having an interest only home mortgage
Carry credit card balances.
Never pay off a mortgage
Lease cars
Buy a time share
Finance a wedding, a ring, and a honeymoon.
Putting 0% down on a home
Renting or financing furniture
And the best - never saving for retirement
/&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>1 - Having an interest only home mortgage<br />
Carry credit card balances.<br />
Never pay off a mortgage<br />
Lease cars<br />
Buy a time share<br />
Finance a wedding, a ring, and a honeymoon.<br />
Putting 0% down on a home<br />
Renting or financing furniture<br />
And the best - never saving for retirement<br />
/<br /><b>References : </b></p>
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		<title>Comment on 10 tips to avoid financial freedom? by Mrs. S</title>
		<link>http://www.fourpillarsofincome.com/financial-freedom-blog/financial-freedom/10-tips-to-avoid-financial-freedom/comment-page-1#comment-5008</link>
		<dc:creator>Mrs. S</dc:creator>
		<pubDate>Thu, 25 Feb 2010 01:31:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.fourpillarsofincome.com/financial-freedom-blog/financial-freedom/10-tips-to-avoid-financial-freedom#comment-5008</guid>
		<description>Spend, spend, spend! The more the better!

Take out a student loan then major in something like Carribean studies.

Take a job at minimum wage and refuse any raises.

Rack up your credit cards, and then make sure you don't pay them until the interest costs get so high you have to declare bankruptcy.

From there it's pretty much smooth sailing to avoiding financial freedom.&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>Spend, spend, spend! The more the better!</p>
<p>Take out a student loan then major in something like Carribean studies.</p>
<p>Take a job at minimum wage and refuse any raises.</p>
<p>Rack up your credit cards, and then make sure you don&#8217;t pay them until the interest costs get so high you have to declare bankruptcy.</p>
<p>From there it&#8217;s pretty much smooth sailing to avoiding financial freedom.<br /><b>References : </b></p>
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		<title>Comment on What is the net worth of the Rothschild family? by Liam</title>
		<link>http://www.fourpillarsofincome.com/financial-freedom-blog/net-worth/what-is-the-net-worth-of-the-rothschild-family/comment-page-1#comment-5007</link>
		<dc:creator>Liam</dc:creator>
		<pubDate>Tue, 16 Feb 2010 23:05:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.fourpillarsofincome.com/financial-freedom-blog/net-worth/what-is-the-net-worth-of-the-rothschild-family#comment-5007</guid>
		<description>Their isn't even $500T in the entire world.

They used too control the First and second central banks of America, Hungry, England etc. They also set up the Federal Reserve, because of their power and reputation they once had as experts at managing what they have, this then led on too extreme exaggerations of their wealth.

The reason Forbes does not mention them as being wealthy because yes, as a family they are worth alot, but on their own? No. They lead nice lifestyles probably living in English Manors or Mantions, but they are no where near the richest people on the planet.&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>Their isn&#8217;t even $500T in the entire world.</p>
<p>They used too control the First and second central banks of America, Hungry, England etc. They also set up the Federal Reserve, because of their power and reputation they once had as experts at managing what they have, this then led on too extreme exaggerations of their wealth.</p>
<p>The reason Forbes does not mention them as being wealthy because yes, as a family they are worth alot, but on their own? No. They lead nice lifestyles probably living in English Manors or Mantions, but they are no where near the richest people on the planet.<br /><b>References : </b></p>
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		<title>Comment on How to achieve Financial Freedom? by Kuta</title>
		<link>http://www.fourpillarsofincome.com/financial-freedom-blog/financial-freedom/how-to-achieve-financial-freedom/comment-page-1#comment-5006</link>
		<dc:creator>Kuta</dc:creator>
		<pubDate>Tue, 16 Feb 2010 22:39:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.fourpillarsofincome.com/financial-freedom-blog/financial-freedom/how-to-achieve-financial-freedom#comment-5006</guid>
		<description>Make other's stupid with your crazeee ideas 
  goto casino try your luck 
   try lotto
    buy  to sell stuff on ebay..............&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;www.eppleblogs.com</description>
		<content:encoded><![CDATA[<p>Make other&#8217;s stupid with your crazeee ideas<br />
  goto casino try your luck<br />
   try lotto<br />
    buy  to sell stuff on ebay&#8230;&#8230;&#8230;&#8230;..<br /><b>References : </b><br /><a href="http://www.eppleblogs.com" rel="nofollow">http://www.eppleblogs.com</a></p>
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