A low credit score can really cause you a lot of problems in life. When you go to try to buy the things you want, such as a house or car, you find that you either have to pay extremely high APR’s (what the bank chargers you to borrow money from them) or even worse, you’re not allowed to buy the house or car at all!

Fortunately, repairing your credit is easy, and doesn’t have to take years. You can quickly and easily raise your score by up to 200 points in as little as 90 days in just 3 easy steps.

Step #1
Find out EXACTLY where you’re at by getting a copy of all three of your credit reports at annualcreditreport.com. You have to check all three (Experian, Equifax, and Transunion) because one report may have something bad on there, that the other two don’t have.

Verify that all of your personal information is correct. Remove any misspellings of your name, any old addresses, any old jobs, any information that isn’t current, and spelled correctly, remove it.

Step #2
Look at the negative items on your report. Look for anything wrong: i.e. a misspelled name, a wrong address, an old address that you successfully removed in step 1, etc. Any incorrect information is a reason for an item to be challenged.

When you find an incorrect item, challenge it. While this can be done online, it’s recommended that you challenge by mail. A well written letter has a much higher success rate than an online or even an over-the-phone challenge. And they work about 15 days faster too. You can find sample challenge letters all over the internet, or you can goto the website mentioned below.

Step #3
Reduce all of your current credit cards to no more than 30% of their limits. If the limit on one card is $1000, then make sure that your balance is no higher than $300. If you have more than one card, and one card is near it’s max, and another isn’t, transfer the balance to the card that hasn’t been used as much.

If you have no credit cards, you should look into some secure credit cards. Start early in the process. Remember there are TWO sides to raising your score: removing negative items from your reports AND adding positive items to your report.

Follow these simple steps and you can boost your credit score up dramatically and quickly. A lot of people though require more hand holding. A lot of people want more detailed instructions. Frankly, credit repair can be kind of scary, and you these instructions may not be detailed enough. Or you may not know how to write a challenge letter that will get bad items removed from your report. If you need more help, you can find it at http://mpruv.com/credit/fast-credit-report-repair/

Motivation | 1 Comment »

It’s amazing to me how when you’re on top, or when you’re doing something great or spectacular, people feel the need to come at your head. People want to tear you down, a little bit at a time. With outsiders, the best thing to do is to ignor them. But often you’ll find that it’s people close to you trying to tear you down. Usually, they’re jealous of something you’ve accomplished and they want to diminish your accomplishment to make themselves feel better. For certain people, you can’t or shouldn’t ignor this. You have to come back at them. You have to squash these insects who have the nerve to think that they could even come at you in such a way. You have to make them feel like coming at you was the dumbest thing they could’ve done, and they better not do it again.

The best way to accomplish such a task is to embarrass them. Usually, the person doing this is showing off in front of other people which works perfectly for you. As soon as you realize someone is trying to put you down, or put down something that you’ve done, treat them. Go hard. Go as hard as they’re going and a little bit above. If they’re talking about your shoes, talk about their whole outfit. If they’re talking about your job, talk about their career choice. If they’re talking about your girl, talk about their whole sexuality (even if it’s not in question, make it in question). Don’t let up on that son of a bitch until he or she shuts the hell up. And definitely don’t let him win.

To properly roast someone you have to cut off their attacks with your own. The best defense is a good offense. You must be quick with your comebacks. How do you think quickly on your feet? When you 1st see someone, take the entire person in. Take in their shoes, their clothes, their hair; everything. Look for weaknesses. Make a mental note of anything that you can use ‘just in case’. If someone decides to say something, pull out the things you’ve noticed one at a time. You’ll find that the energy of throwing jabs has a certain momentom; if you have 3 or 4 good lines to start with you’ll get fired up and be able to come up with more as you go.

Don’t pay any attention to the other person’s attacks. Don’t be defensive. If you have to mention what your opponent is ridiculing you about, then you’ve already lost. If a person says your shoes are old the worst thing you can do is defend your shoes. Ignore his comment. If he says that your shoes are old, tell him his pants are dirty. The point is to dismiss what it is that he’s saying about you, and make him feel self conscious about what you’re saying to him. Never get too personal, but always hit him a little bit harder then he hit you.

Make sure you over talk your opponent. Don’t give him the floor. Talk while he’s talking. While he’s trying to get his next line out, kick him in the nuts. Over talk him, speak louder, and speak longer. Be strong minded and keep going until that insect closes his mouth. Let the momentum of your jabs carry you and keep talking about things until your opponent has nothing else to say.

After you’ve put that person in their proper place, give them a slight boost. Especially considering that this is all usually done in front of an audience, make sure that after you’ve given that person a proper roasting, you end with some form of compliment. A small compliment, but a compliment none the less. You’ve now established in that person’s mind that they have to stay on your good side or they will face embarrassment in front of their peers. It basically says, I can make you or I can break you; your choice.

Make sure that you’re not getting emotional when you’re roasting someone either. Before a person gives up, they’re likely to escalate the exchange, and may get very personal with you. Don’t get angry. If you show any anger than you’ve lost. Anger means that what your opponent has to say bothers you. You’re a giant, this is a peon. Peons don’t affect a giant’s emotions. You’re simply putting the person in his place to make an example of him, not that anything he says can possible bother you.

This philosophy may sound harsh, but the fact is that when someone close to you tries to tear you down, then if they get away with it the first time, they’ll continue. And each attack will get worse and worse. Today it’s the shoes, tomorrow it’s every decision you try to make in your life. These attacks can have a very negative impact on your own self esteem, and cause you to not be willing to take the chances you have to take in life to step up to that next level. So you must nip it in the bud in the beginning. No one should get a self esteem boost at your expense.

The side benefit of this is that you gain respect when you do this. The fact of the matter is gained from fear and/or admiration. People respect you because they fear you, or because they admire you. Or both. Breaking a person down, and then slightly building them back up again will give you respect in the eyes of all observers. This is the reason why some people feel the need to try to talk shit in the first place.

The flip side of this is that you should almost never initiate an attack on anyone. You should never put people down unless they deserve it. If someone has something slick to say, then by all means, tear them down, make ‘em feel like shit, and make sure everyone sees you do it. It’ll make you powerful in everyone’s eyes. But never pick on someone for no reason. That just makes you look like an asshole, and will cause everyone to turn against you eventually.

The old ‘after school special’ philosophy about treating other’s the way you want to be treated is nice if everyone is playing by those rules, but in the real world, people can be assholes. You got to be prepared to meat this challenge head on. Be nice to those that deserve to be treated nicely. Make the assholes feel like the insignificant insects they are.

Game | No Comments »

It’s time for you to have a new boss: the task list.

Task lists help you get shit done. You’ll accomplish more working off a list then you ever would without one. All the rich, and powerful people in the world use a task list, so you should too. It’s simple:

• Build a list
• Work from the list no matter what
• Make the list your boss

There are alot of things you can use for a task list: Your computer with any number of software programs (Microsoft Outlook), your phone if it has one (if it does, this can be a good option), your ipod; all good options. But sometimes the best, and the cheapest way to do this is simply with a small notebook that you can put in your pocket. So, no excuses, go get one.

Build a list

So, what goes into a task list? Well, I’m sure you have your goals written down by now, right? RIGHT? Good. Each goal has steps. If your goal is to, buy a Cadillac (what else would a pimp drive?), then you have alot of little steps that you need to accomplish before buying that ride:
Buy Cadillac

1. Check credit
2. Find a good loan
3. Find the best deal on the ‘Lac you want

And of course, each one of these can be further broken down into tasks:
Buy Cadillac

1. Check credit
   1. Get a copy of all 3 credit reports
   2. Remove any negative items
2. Find a good loan
   1. Reasearch 5 reputable loan companies/banks
   2. Put in applications
3. Find the best deal on the ‘Lac you want
   1. Reasearch 5 reputable dealers in your area
   2. Call all 5 and get their current prices
   3. Play each dealership against each other, by telling one of the other’s lower price. See if they’ll beat that price

Now you have a task list that’s broken down into simple steps. Some of these steps can be broken down even further. The best thing about the list is that it makes big jobs seem not so big. Alot of times we procrastinate on doing what we’re supposed to do simply because it’s too overwhelming. Well, when you break it down into smaller steps, anything can be accomplished.

Your task list should also include smaller, one step things. Things like buy milk or whatever should also be on the list. This way you can prioritize things.

Work from the list no matter what

Once you have a nice list, work from the list. Alot of different things will come up during the day. People will call you and ask you to do something for them, you’ll get distracted and something that you’re supposed to do will pop into your head. All kinds of things will come up that will try to take you away from your list. The trick is, that when anything else comes up (i.e. your momma calls and asks you to pick her up some squares and a lottery ticket or some silly shit like that) add it to your list. Whatever new tasks show up, add it to your list. And continue to work from your list no matter what.

You don’t have to do everything in order. When you finish one task, you can look at your list and decide what to do next. But don’t do anything that isn’t written on the list. If something else came up it should have been added to your list. What this does is allow you to prioritize your day. Your mom’s squares may be an emergency to her, but it when you have a list, you may find that it should be the last thing you do in the day.

Make the list your Boss

The list is your only real boss. If you have a job, then your employer influences what goes on your list, and what takes priority, but your list is your REAL boss. Use it. Listen to it. Look at it every day. Look at it every hour. If you find that you’re not crossing things off of that list then you should feel as if you’re in trouble.

Your list is your life, and your life should be on that list.

I promise that if you work from a list you will find that you accomplish more in one day than you’d normally accomplish in a week. Try it for a week. Break everything down to small tasks, write those tasks down, and then work at them; crossing each item off as you finish it. You’ll get more done than you ever have before. And you’ll feel like you can do anything as long as you can break it down into small steps.

Motivation | No Comments »