Does anyone know about the banking on yourself program?
451079
Although legal, it is a bit of a scam.  It basically directs you to finance your life by leveraging core assets such as your home, your cash value life insurance and borrowing against your 401(k) savings.  All of these feature interest generating loan that is paid by you, but the interest goes back into the asset value.\n\nIt is a dangerous approach to investing by over-leveraging hard-earned assets.
414500
I used to work at USBank and they have an account called SEcond Chance Checking.  They can open an account as long as you don't owe more than $200 to Chex Systems. I would give them a call.
196000
http://www.bankofamerica.com/onlinebanking/?adlink=0003020520000000a584
740381
I did it the old fashioned way. We had newborn twins and were living a month ahead of our income (we'd spent it before we'd got it, if you see what I mean) continually being overdrawn. \nWhen the bank asked us to return our chequebook, I started a book, writing down every single thing we spent for a complete month (and I mean EVERY single thing). The next month, we were able to distinguish the things we really didn't need and from that were able to make serious adjustments to our way of life for the next six months. \nIt was difficult, but we did it. (The 6 months, went over Christmas, which made it all the more difficult. Maybe without Christmas, we could've sorted ourselves out sooner).\nFrom then on, I kept the book and we religiously recorded our spending for three years. I still have the book and it makes interesting reading, purely because of the things we used to buy and the prices at the time. \nIt's also a reminder to keep our spending in check. Now, we spend within our means. The only things we've bought since with a loan, is the car and the house. Opening that letter from the bank was the worst experience, the most embarrassing thing to happen to me. I was so ashamed and I never want to be in that position again. \nToday, debt seems to be the norm, it doesn't hold the same social stigma. Students come out of University owing the same amount of money we paid for our first house and they think nothing of it! They actually start off their lives with this enormous weight of debt around their necks. It's something I will never be able to come to terms with. To me, debt is unacceptable, not an acceptable part of life.
170959
ask your bank or go to their website
320545
Yes. www.mexonline.com/banks.html is a good place to start.  Remember, you are a US citizen and are required to declare any interest or earnings you make...anywhere.
475506
YES!!! \nDont do it.  My wife and I did it and when we went to buy a new car it showed up on our credit report.  It wasnt as bad as a bankrupcy but it did put a negative hash on it.  We were still able to get the new car loan but it really mad me mad at myself for not looking into that first.  Should have just paid them off by myself.
162072
Contact the bank and they will be able to tell you.
396001
It's a chain letter. I believe they're illegal in most places in the U.S., so you might want to consider that before you decide this is your path to financial success.
149124
most of them are scams.  but if you have a relative (spouse or parent) with good credit, you can have them co-sign a small loan (try to get a credit card at the local bank with a low credit limit - about $500 to start).  When you show responsibility in paying that, you can rebuild your credit that way
778757
To try and answer your question, I was interviewed some months ago for a job working for the CCCS (didnt get selected but thats another story). YES! this is a very genuine free service provided by the CCCS, they will look in detail at a persons individual financial circumstances and help you to decide based on your incomings, overheads & levels of debit. Which plan of action is the most suitable for you such as IVA (individual voluntary agreements) or bankrupcy,etc.\n\n**Be aware there is a difference between IVA's & full blown bankrupcy & its quite big contast too. You need to understand the differences between these two things. Bankrupcy for example affects your credit scoring immediately and for I think atleast 12months so you wont be able to get any further credit during the 12mths concerned. IVA's dont affect your credit scoring in quite the same way.\n\n**NOTE, the CCCS is a registred charity and as such it doesnt take a fee off clients for the help it provides. This is VERY important as there are MANY debit busting companies who would just love to help you with your debits for a nice fat fee. Usually a % of your debit 10% is NOT uncommon, average fees to a debit clearance firm is about £6,000. SO contrast that with zero fees from the CCCS.\n\n**No! the CCCS are very trust worthy and IMO do a very very good job in providing real help.
494458
Complaints\n6/6/2006 - Justyn writes: I purchased the program in mid May n received package n weeks n after reading welcome letter carefully, the 39.99 property vault charge implies that they give u a month free it doesnt tell whether ur signed up for life or for a month as ne reasonable business would call a trial membership.. but all it says is u will have access to the vault for a month free. after reading thru da material i could see that there were chances for a profit but it was all lucky guesses n u had 2 do a LOT of traveling. i then came across this site 2 hear bout what ppl had 2 say about da program n after 10 mins of reading complaints n the defense, i decided 2 cancel the vault subscription only 2 find out i couldnt get thru!!!! I am now going to cancel the visa i charged the program to.....\n6/5/2006 - Wendy writes: We are currently paying $39.95 a month for a product we have not received.  Oh and don't try to call customer service, they do not exist do they??  My husband was given a cancellation number last month stating it was cancelled and again they billed us $39.95 this month.  I am off now to cancel my husbands credit card so that they can't bill us anymore.\n5/27/2006 - Albert writes: To anyone that is reading this that has not already ordered it, take my word for it as well as everyone elses underneath me and do not let yourself be caught up in there lies. about three months ago i bought into the infomercial and spent my 39.95 to get started, i then received some dumb little pamplets and a couple of dvds that seemed to just repeat the commercial over and over. Within a week i received a call from a rep named Deano who seemed to promise me all kinds of money that was guranteed to come within 3 months if i payed another $600 to cover nothing more than the coaches pay to help me reach my goal, well needless to say i havent heard from anybody in about a week so far regarding my refund or personal coach as promised. The worst part is i am still trying to be billed 39.95 every month. If anyone decides on filing a lawsuit heres my number and my email get me in on it. XXX-XXX-3935 or []\nDefends\n5/23/2006 - Lincoln writes: The John Beck program is a great program that really works.  The first month free membership to his Product Vault website, his Landbank website and his Hotline support are included with your order for his training.  Then, for ease of administration, every customer is set up on an automatic billing cycle for continued access to these awesome tools useful to profiting from the tax sale process. To help avoid concerns from our customers, we clearly state in all of our materials that the first month is free and that there will be an automatic billing charge every month until such time as the customer decides to cancel. We clearly state our policy in the materials you were sent.  We also include a phone number and an email address useful to stopping this automatic payment procedure if you decide so to do.  I just tried this number and it only took a couple of minutes on hold before I was able to speak with a customer service agent. We would hope that you will continue to nurture your dream of making more money and would hope that you will see us as the solution in the future.  Good luck!\n5/17/2006 - Kevin writes: We purchased a piece of land from the Kern County Tax Sale for $4200 and sold it [] in just 5 days for $6800.   We made $2600.00 with the help of John Becks advisor in a short amount of time. Thank you!  Kevin and Annette\n\n5/15/2006 - Bob writes: I have found the John Beck Program to be an incredible program.  John really knows what he is talking about and his teachings have made me a lot of money.   I would heartily recommend this program to anyone interested in making a change in their life who are interested in making money working from home.
979862
steal your identity - manipulate your banking - eliminate your credit rating etc etc etc
894897
I don't think you understand the system. This form has to be provided by someone you know - not some random person here.\n\nFurthermore, that person must prove the financial means to support you if you don't have a source of income yourself, and pledge to support you. I seriously doubt you'll find a sponsor here.
179084
yes there is beta trials out there to be payed on yahoo answers, i don't know how it works, but you will have to set up a business account in yahoo which means you will need to declare themselves to the IRS or tax office and get yourselves a business bank account
296976
Yes. If it is a non-profit debt agency. I signed up with one a few years ago, and it has made a big difference. I am paying off my debt, and everyone is happy.\n\nIf you are real abou this, you will stay true to the program. I feel so much better having done this. I no longer get calls and can live my life normally.
415501
Well, I don't know about the baby, but I know about this US \nFederal program that helpped my son:\n\n\n This is a free, U.S. Government program (no fees or other charges) \n \n \n No credit checks \n \n \n No pre-payment penalties \n \n \n Your payment will be reduced by as much as 60% each month \n \n \n You will have to write just one check each month for your student loans \n \n \n All information is secure and confidential\n\nGood luck!