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		<title>Comment on Credit Score Breakdown Is No Big Mystery by Fleming@CalculateCreditCard</title>
		<link>http://www.freepersonalfinance.org/credit-score-breakdown-is-no-big-mystery/comment-page-1#comment-1632</link>
		<dc:creator>Fleming@CalculateCreditCard</dc:creator>
		<pubDate>Wed, 20 Jul 2011 16:59:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.freepersonalfinance.org/credit-score-breakdown-is-no-big-mystery#comment-1632</guid>
		<description>This is a good article.  I actually wrote one similar to it and mention the percentage &lt;a href=&quot;http://calculatecreditcard.com/credit-score-breakdown/&quot; rel=&quot;nofollow&quot;&gt;credit score breakdown&lt;/a&gt; as well.  Please take a look and let me know your thoughts!</description>
		<content:encoded><![CDATA[<p>This is a good article.  I actually wrote one similar to it and mention the percentage <a href="http://calculatecreditcard.com/credit-score-breakdown/" rel="nofollow">credit score breakdown</a> as well.  Please take a look and let me know your thoughts!</p>
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		<title>Comment on Turn Your Debt into Wealth by Anonymous</title>
		<link>http://www.freepersonalfinance.org/turn-debt-wealth/comment-page-1#comment-1324</link>
		<dc:creator>Anonymous</dc:creator>
		<pubDate>Thu, 26 May 2011 01:37:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.freepersonalfinance.org/?p=1261#comment-1324</guid>
		<description>&lt;div style=&quot;margin-left:0.5em;&quot;&gt;
    
      &lt;div style=&quot;margin-bottom:0.5em;&quot;&gt;
        25 of 28 people found the following review helpful:
      &lt;/div&gt;
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        &lt;span style=&quot;margin-left: -5px;&quot;&gt;&lt;img src=&quot;http://g-ecx.images-amazon.com/images/G/01/x-locale/common/customer-reviews/stars-5-0._V192240867_.gif&quot; width=&quot;64&quot; alt=&quot;5.0 out of 5 stars&quot; title=&quot;5.0 out of 5 stars&quot; height=&quot;12&quot; border=&quot;0&quot;/&gt;&lt;/span&gt;
        &lt;b&gt;Debt Free Blueprint&lt;/b&gt;, &lt;nobr&gt;October 21, 2002&lt;/nobr&gt;&lt;/div&gt;
      &lt;div style=&quot;margin-bottom:0.5em;&quot;&gt;
        &lt;div&gt;&lt;div style=&quot;float:left;&quot;&gt;By &lt;/div&gt;&lt;div style=&quot;float:left;&quot;&gt;&lt;a href=&quot;http://www.amazon.com/gp/pdp/profile/A1XI4JKMT2X9PL/ref=cm_cr_if_pdp/179-0226855-7604900?ie=UTF8&amp;tag=freepersonalf-20&amp;linkCode=xm2&quot; target=&quot;_top&quot;&gt;&lt;span style=&quot;font-weight: bold;&quot;&gt;Mike - A Very Satisfied Customer&lt;/span&gt;&lt;/a&gt; (Chicago, IL)  - &lt;a href=&quot;http://www.amazon.com/gp/cdp/member-reviews/A1XI4JKMT2X9PL/ref=cm_cr_if_auth_rev/179-0226855-7604900?ie=UTF8&amp;tag=freepersonalf-20&amp;linkCode=xm2&amp;sort_by=MostRecentReview&quot; target=&quot;_top&quot;&gt;&lt;/a&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style=&quot;clear:both;&quot;/&gt;
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      &lt;div class=&quot;tiny&quot; style=&quot;margin-bottom:0.5em;&quot;&gt;
        &lt;b&gt;&lt;span class=&quot;h3color tiny&quot;&gt;This review is from: &lt;/span&gt;&lt;a href=&quot;http://www.amazon.com/Turn-Your-Debt-Into-Wealth/dp/0743525191/ref=cm_cr_if_orig_subj/179-0226855-7604900?ie=UTF8&amp;tag=freepersonalf-20&amp;linkCode=xm2&quot; target=&quot;_top&quot;&gt;Turn Your Debt Into Wealth (Audio CD)&lt;/a&gt;&lt;/b&gt;
      &lt;/div&gt;

I&#039;ve read Hume Publications Successful Investing &amp; Money Management, Money Magazine&#039;s 101 Secrets to Personal Wealth, Rich Dad/Poor Dad and other money making guides.  None were as helpful, nor as quick to show results for me as John Cummuta&#039;s Debt to Wealth Program.  I found it a simple plan that helped me pay down debts and saved me wasting money on interest payments.  I&#039;ve used his system to help me pay down a $5,000 home equity loan and a $17,000 business loan in the last 12 months.  I&#039;ve recommended it to my sister-in-law who has started a savings fund for her kid&#039;s college education by accelerating the paydown of some debts.  This program won&#039;t make you a millionaire but it will help you stop paying all that interest to banks, credit cards and car dealerships!
      &lt;div style=&quot;padding-top: 10px; clear: both; width: 100%;&quot;&gt;

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		<content:encoded><![CDATA[<div style="margin-left:0.5em;">
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        25 of 28 people found the following review helpful:
      </div>
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        <span style="margin-left: -5px;"><img src="http://g-ecx.images-amazon.com/images/G/01/x-locale/common/customer-reviews/stars-5-0._V192240867_.gif" width="64" alt="5.0 out of 5 stars" title="5.0 out of 5 stars" height="12" border="0"/></span><br />
        <b>Debt Free Blueprint</b>, <nobr>October 21, 2002</nobr></div>
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<div style="float:left;">By </div>
<div style="float:left;"><a href="http://www.amazon.com/gp/pdp/profile/A1XI4JKMT2X9PL/ref=cm_cr_if_pdp/179-0226855-7604900?ie=UTF8&amp;tag=freepersonalf-20&amp;linkCode=xm2" target="_top"><span style="font-weight: bold;">Mike &#8211; A Very Satisfied Customer</span></a> (Chicago, IL)  &#8211; <a href="http://www.amazon.com/gp/cdp/member-reviews/A1XI4JKMT2X9PL/ref=cm_cr_if_auth_rev/179-0226855-7604900?ie=UTF8&amp;tag=freepersonalf-20&amp;linkCode=xm2&amp;sort_by=MostRecentReview" target="_top"></a></div>
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<div class="tiny" style="margin-bottom:0.5em;">
        <b><span class="h3color tiny">This review is from: </span><a href="http://www.amazon.com/Turn-Your-Debt-Into-Wealth/dp/0743525191/ref=cm_cr_if_orig_subj/179-0226855-7604900?ie=UTF8&amp;tag=freepersonalf-20&amp;linkCode=xm2" target="_top">Turn Your Debt Into Wealth (Audio CD)</a></b>
      </div>
<p>I&#8217;ve read Hume Publications Successful Investing &amp; Money Management, Money Magazine&#8217;s 101 Secrets to Personal Wealth, Rich Dad/Poor Dad and other money making guides.  None were as helpful, nor as quick to show results for me as John Cummuta&#8217;s Debt to Wealth Program.  I found it a simple plan that helped me pay down debts and saved me wasting money on interest payments.  I&#8217;ve used his system to help me pay down a $5,000 home equity loan and a $17,000 business loan in the last 12 months.  I&#8217;ve recommended it to my sister-in-law who has started a savings fund for her kid&#8217;s college education by accelerating the paydown of some debts.  This program won&#8217;t make you a millionaire but it will help you stop paying all that interest to banks, credit cards and car dealerships!</p>
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		<title>Comment on Turn Your Debt into Wealth by Mike - A Very Satisfied Customer</title>
		<link>http://www.freepersonalfinance.org/turn-debt-wealth/comment-page-1#comment-1323</link>
		<dc:creator>Mike - A Very Satisfied Customer</dc:creator>
		<pubDate>Thu, 26 May 2011 01:20:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.freepersonalfinance.org/?p=1261#comment-1323</guid>
		<description>&lt;div style=&quot;margin-left:0.5em;&quot;&gt;
    
      &lt;div style=&quot;margin-bottom:0.5em;&quot;&gt;
        23 of 25 people found the following review helpful:
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        &lt;span style=&quot;margin-left: -5px;&quot;&gt;&lt;img src=&quot;http://g-ecx.images-amazon.com/images/G/01/x-locale/common/customer-reviews/stars-5-0._V192240867_.gif&quot; width=&quot;64&quot; alt=&quot;5.0 out of 5 stars&quot; title=&quot;5.0 out of 5 stars&quot; height=&quot;12&quot; border=&quot;0&quot;/&gt;&lt;/span&gt;
        &lt;b&gt;A Fresh Perspective&lt;/b&gt;, &lt;nobr&gt;July 12, 2002&lt;/nobr&gt;&lt;/div&gt;
      &lt;div style=&quot;margin-bottom:0.5em;&quot;&gt;
        &lt;div&gt;&lt;div style=&quot;float:left;&quot;&gt;By &lt;/div&gt;&lt;div style=&quot;float:left;&quot;&gt;&lt;a href=&quot;http://www.amazon.com/gp/pdp/profile/A8T1SEWUYKRUX/ref=cm_cr_if_pdp/179-0226855-7604900?ie=UTF8&amp;tag=freepersonalf-20&amp;linkCode=xm2&quot; target=&quot;_top&quot;&gt;&lt;span style=&quot;font-weight: bold;&quot;&gt;Dave Kosanke&lt;/span&gt;&lt;/a&gt; (Tulsa, OK)  - &lt;a href=&quot;http://www.amazon.com/gp/cdp/member-reviews/A8T1SEWUYKRUX/ref=cm_cr_if_auth_rev/179-0226855-7604900?ie=UTF8&amp;tag=freepersonalf-20&amp;linkCode=xm2&amp;sort_by=MostRecentReview&quot; target=&quot;_top&quot;&gt;&lt;/a&gt;&lt;/div&gt;&lt;/div&gt;&lt;div style=&quot;clear:both;&quot;/&gt;
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      &lt;div class=&quot;tiny&quot; style=&quot;margin-bottom:0.5em;&quot;&gt;
        &lt;b&gt;&lt;span class=&quot;h3color tiny&quot;&gt;This review is from: &lt;/span&gt;Turn Your Debt into Wealth (Audio Cassette)&lt;/b&gt;
      &lt;/div&gt;

John Cummuta&#039;s earlier series &quot;Debt Free and Prosperous Living&quot; contained the bulk of its information in a book. Then came his Nightingale series &quot;Transforming Debt into Wealth,&quot; which relied mostly on the audio with a small workbook.  Now the abridged series &quot;Turn Your Debt Into Wealth&quot; contains the same 6 hours of audio presented in the full Nightingale Conant program but does not have a workbook...I think the audio in this new series is John&#039;s best work to date. John is very easy to listen to, and his system is easy to follow because it&#039;s very practical. I have used this system for the past 10 months, and I&#039;m a year and a half ahead of even John&#039;s optimistic schedule. It really works! I look forward to implementing the wealth building plan soon. Everyone I have told about the plan has been able to calculate a debt free date within 3 and 6 years. There are other valid debt elimination plans, but this is the best one. Being able to pay off the first debts in a month or two is a major psychological boost. The other thing I like about John Cummuta is his fresh perspective on wealth building and the American Dream. His plan is attainable with the money you already make. You don&#039;t have to get a second job, start a business, or buy real estate.  Simplicity is the key. He also helps us understand that we don&#039;t need everything Madison Avenue tells us we need. We are free to choose the financial lifestyle that&#039;s best for us. THIS SERIES IS A MUST HAVE for anyone in debt, and I also highly recommend this to people who own already own &quot;Debt Free and Prosperous Living.&quot;
      &lt;div style=&quot;padding-top: 10px; clear: both; width: 100%;&quot;&gt;

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        23 of 25 people found the following review helpful:
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        <span style="margin-left: -5px;"><img src="http://g-ecx.images-amazon.com/images/G/01/x-locale/common/customer-reviews/stars-5-0._V192240867_.gif" width="64" alt="5.0 out of 5 stars" title="5.0 out of 5 stars" height="12" border="0"/></span><br />
        <b>A Fresh Perspective</b>, <nobr>July 12, 2002</nobr></div>
<div style="margin-bottom:0.5em;">
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<div style="float:left;">By </div>
<div style="float:left;"><a href="http://www.amazon.com/gp/pdp/profile/A8T1SEWUYKRUX/ref=cm_cr_if_pdp/179-0226855-7604900?ie=UTF8&amp;tag=freepersonalf-20&amp;linkCode=xm2" target="_top"><span style="font-weight: bold;">Dave Kosanke</span></a> (Tulsa, OK)  &#8211; <a href="http://www.amazon.com/gp/cdp/member-reviews/A8T1SEWUYKRUX/ref=cm_cr_if_auth_rev/179-0226855-7604900?ie=UTF8&amp;tag=freepersonalf-20&amp;linkCode=xm2&amp;sort_by=MostRecentReview" target="_top"></a></div>
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<div class="tiny" style="margin-bottom:0.5em;">
        <b><span class="h3color tiny">This review is from: </span>Turn Your Debt into Wealth (Audio Cassette)</b>
      </div>
<p>John Cummuta&#8217;s earlier series &#8220;Debt Free and Prosperous Living&#8221; contained the bulk of its information in a book. Then came his Nightingale series &#8220;Transforming Debt into Wealth,&#8221; which relied mostly on the audio with a small workbook.  Now the abridged series &#8220;Turn Your Debt Into Wealth&#8221; contains the same 6 hours of audio presented in the full Nightingale Conant program but does not have a workbook&#8230;I think the audio in this new series is John&#8217;s best work to date. John is very easy to listen to, and his system is easy to follow because it&#8217;s very practical. I have used this system for the past 10 months, and I&#8217;m a year and a half ahead of even John&#8217;s optimistic schedule. It really works! I look forward to implementing the wealth building plan soon. Everyone I have told about the plan has been able to calculate a debt free date within 3 and 6 years. There are other valid debt elimination plans, but this is the best one. Being able to pay off the first debts in a month or two is a major psychological boost. The other thing I like about John Cummuta is his fresh perspective on wealth building and the American Dream. His plan is attainable with the money you already make. You don&#8217;t have to get a second job, start a business, or buy real estate.  Simplicity is the key. He also helps us understand that we don&#8217;t need everything Madison Avenue tells us we need. We are free to choose the financial lifestyle that&#8217;s best for us. THIS SERIES IS A MUST HAVE for anyone in debt, and I also highly recommend this to people who own already own &#8220;Debt Free and Prosperous Living.&#8221;</p>
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		<title>Comment on Turn Your Debt into Wealth by Dave Kosanke</title>
		<link>http://www.freepersonalfinance.org/turn-debt-wealth/comment-page-1#comment-1322</link>
		<dc:creator>Dave Kosanke</dc:creator>
		<pubDate>Thu, 26 May 2011 00:26:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.freepersonalfinance.org/?p=1261#comment-1322</guid>
		<description>&lt;div style=&quot;margin-left:0.5em;&quot;&gt;
    
      &lt;div style=&quot;margin-bottom:0.5em;&quot;&gt;
        38 of 40 people found the following review helpful:
      &lt;/div&gt;
      &lt;div style=&quot;margin-bottom:0.5em;&quot;&gt;
        &lt;span style=&quot;margin-left: -5px;&quot;&gt;&lt;img src=&quot;http://g-ecx.images-amazon.com/images/G/01/x-locale/common/customer-reviews/stars-3-0._V192240710_.gif&quot; width=&quot;64&quot; alt=&quot;3.0 out of 5 stars&quot; title=&quot;3.0 out of 5 stars&quot; height=&quot;12&quot; border=&quot;0&quot;/&gt;&lt;/span&gt;
        &lt;b&gt;Pretty good but too much babble&lt;/b&gt;, &lt;nobr&gt;November 18, 2002&lt;/nobr&gt;&lt;/div&gt;
      &lt;div style=&quot;margin-bottom:0.5em;&quot;&gt;
        By &lt;b&gt;A Customer&lt;/b&gt;&lt;br/&gt;&lt;/div&gt;
      &lt;div class=&quot;tiny&quot; style=&quot;margin-bottom:0.5em;&quot;&gt;
        &lt;b&gt;&lt;span class=&quot;h3color tiny&quot;&gt;This review is from: &lt;/span&gt;&lt;a href=&quot;http://www.amazon.com/Turn-Your-Debt-Into-Wealth/dp/0743525191/ref=cm_cr_if_orig_subj/179-0226855-7604900?ie=UTF8&amp;tag=freepersonalf-20&amp;linkCode=xm2&quot; target=&quot;_top&quot;&gt;Turn Your Debt Into Wealth (Audio CD)&lt;/a&gt;&lt;/b&gt;
      &lt;/div&gt;

I checked this out at the library and thought it had good information about how to cut your expenses and the author convinced me to pay off my mortgage early rather than putting my extra money into the stock market.  The first few CD&#039;s are very entertaining.  The last two CD&#039;s don&#039;t contain any useful information and are somewhat out of scope.  For instance, in the last CD he spends a significant amount of time talking about why only one parent should work because it&#039;s better on the kids.  He also goes on and on about how to be an asset to your company so you will get raises and not get laid off.  This is the type of CD that you will only listen to once so I highly recommend checking it out at your local library and saving the cash.  After all, you do want to cut down on debt, right?
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        38 of 40 people found the following review helpful:
      </div>
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        <span style="margin-left: -5px;"><img src="http://g-ecx.images-amazon.com/images/G/01/x-locale/common/customer-reviews/stars-3-0._V192240710_.gif" width="64" alt="3.0 out of 5 stars" title="3.0 out of 5 stars" height="12" border="0"/></span><br />
        <b>Pretty good but too much babble</b>, <nobr>November 18, 2002</nobr></div>
<div style="margin-bottom:0.5em;">
        By <b>A Customer</b></div>
<div class="tiny" style="margin-bottom:0.5em;">
        <b><span class="h3color tiny">This review is from: </span><a href="http://www.amazon.com/Turn-Your-Debt-Into-Wealth/dp/0743525191/ref=cm_cr_if_orig_subj/179-0226855-7604900?ie=UTF8&amp;tag=freepersonalf-20&amp;linkCode=xm2" target="_top">Turn Your Debt Into Wealth (Audio CD)</a></b>
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<p>I checked this out at the library and thought it had good information about how to cut your expenses and the author convinced me to pay off my mortgage early rather than putting my extra money into the stock market.  The first few CD&#8217;s are very entertaining.  The last two CD&#8217;s don&#8217;t contain any useful information and are somewhat out of scope.  For instance, in the last CD he spends a significant amount of time talking about why only one parent should work because it&#8217;s better on the kids.  He also goes on and on about how to be an asset to your company so you will get raises and not get laid off.  This is the type of CD that you will only listen to once so I highly recommend checking it out at your local library and saving the cash.  After all, you do want to cut down on debt, right?</p>
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		<title>Comment on Creating The Ultimate Family Budget Plan by Rory Mullen</title>
		<link>http://www.freepersonalfinance.org/family-budget-planner/comment-page-1#comment-845</link>
		<dc:creator>Rory Mullen</dc:creator>
		<pubDate>Wed, 23 Feb 2011 14:51:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.freepersonalfinance.org/?p=381#comment-845</guid>
		<description>Very helpful information. Every family needs a way to budget properly. I think you have something amazing going on.</description>
		<content:encoded><![CDATA[<p>Very helpful information. Every family needs a way to budget properly. I think you have something amazing going on.</p>
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