CDW Logistics, LLC.

07/09/2025

The Silent Tests: How Narcissists Check If They Still Have Emotional Holds on you

06/02/2024

NACA: The Neighborhood Assistance Corporation of America

The Neighborhood Assistance Corporation of America (NACA) is a nationwide non-profit organization dedicated to increasing affordable homeownership opportunities in low-to-moderate income communities and for working-class families.

What NACA Does:

Mortgage Counseling and Education: NACA provides comprehensive pre-purchase and post-purchase homeownership counseling. This includes financial literacy education, budgeting assistance, and guidance throughout the home buying process.
Mortgage Programs: NACA offers its own unique mortgage program with significant advantages over traditional lenders.
Advocacy: NACA fights for fair lending practices and pushes for policies that promote affordable housing.
NACA's Mortgage Program Details:

No Down Payment: NACA mortgages require no down payment, making homeownership more accessible for low-income borrowers.
No Closing Costs: NACA covers all closing costs associated with the mortgage, significantly reducing upfront expenses.
Competitive Interest Rates: NACA offers competitive fixed-rate mortgages, typically lower than what subprime lenders offer in similar situations.
No Private Mortgage Insurance (PMI): NACA mortgages don't require PMI, saving borrowers additional money every month.
Flexible Qualifications: NACA uses a holistic approach to qualifying borrowers, considering factors beyond just credit score. They take into account income stability, employment history, and willingness to save.
Who Qualifies for a NACA Mortgage?

NACA prioritizes two categories of borrowers:

Priority Members: These are homebuyers with an income at or below 100% of the Area Median Income (AMI) for their Metropolitan Statistical Area (MSA). NACA members can purchase a home anywhere in the United States.
Non-Priority Members: Homebuyers who fall above the 100% AMI threshold can qualify for a NACA mortgage if they purchase a property in a designated "Priority Area." These are typically low-to-moderate income census tracts within the MSA.
In addition to income level, NACA considers:

Savings: While there's no down payment requirement, NACA does require potential borrowers to demonstrate responsible saving habits.
Debt-to-Income Ratio: A manageable debt-to-income ratio shows lenders you can afford your mortgage payment on top of other existing debts.
Willingness to Participate: NACA requires borrowers to go through a comprehensive counseling and education program to ensure they are prepared for homeownership.
Key Points to Remember:

NACA's program is unique and offers significant advantages over traditional lenders, especially for low-income borrowers.
Qualifying for a NACA mortgage requires more than just meeting income requirements.
There is a focus on financial education and responsible budgeting to ensure long-term success as a homeowner.
Resources:

NACA Website: https://www.naca.com/
NACA General and Eligibility FAQ: https://www.naca.com/faq/general-and-eligibility/

NACA focuses on low-to-moderate income homebuyers called “Priority Members” and low-to-moderate income areas “Priority Areas”. Thus everyone is eligible adhering to the following:

02/15/2024

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01/25/2024

Hey there, it's Lawrence Bland, and I've got something exciting to share with you! After a solid three-hour session on my laptop, my bank account got a boost of $49.18, all thanks to online surveys – and I'm not talking about those clickbait scams. Introducing Survey Savvy, my brand new course designed to spill the secrets on how to master the world of paid surveys.

Here's what you'll get:

Unlock High-Paying Surveys: Say goodbye to the cents-per-question grind. I'll guide you to surveys that pay real money, like the recent $15 one I finished sharing my thoughts on my favorite streaming service.

Kiss Disqualification Goodbye: Learn how to craft your profile and strategically answer questions to avoid getting screened out and maximize your earnings.

Earn Anywhere, Anytime: Surveys are the ultimate side hustle. Fit them into your lunch break, while watching TV, or on the go with your phone.

Goodbye Boring Tasks: No more data entry or repetitive online jobs. Surveys are fun and engaging, offering insights into different industries and products.

And that $50? That's just the beginning. Once you master Survey Savvy, you could be pulling in hundreds each month – yes, I'm serious! Imagine treating yourself to that new gadget, saving for your dream vacation, or paying down some bills.

Ready to turn your opinions into cold, hard cash? Enroll in Survey Savvy today and start earning like a pro! And did I mention this course is FREE? Click the link below to learn more:

https://mysitetv.com/surveys

Don't miss out on this chance to make money online while doing something you actually enjoy. Let's get savvy together!

P.S. Share this post with your friends and family – the more, the merrier (and the more we can all earn)!

P.S.S. No one will EVER ask for your bank account, credit card number, or payment. If they do, run! Your ONLY out-of-pocket expense is your TIME.


Checkout page for Survey Savy.

01/25/2024

Wanna turn your opinions into $$$?

Listen up, peeps! I just finished a three-hour sesh on my laptop, and guess what? My bank account is $49.18 richer thanks to online surveys!

No, seriously. I'm not talking about those clickbait scams promising quick cash. I'm talking Survey Savvy, my brand new course that teaches you the secrets to mastering the world of paid surveys.
Here's what you can expect:

Unlock the high-paying surveys: Forget the cents-per-question grind. I'll show you where to find surveys that pay real money, like the $15 one I just finished about my favorite streaming service.
Kiss disqualification goodbye: Learn how to craft your profile and answer questions strategically to avoid getting screened out and maximize your earnings.

Earn from anywhere, anytime: Surveys are the ultimate side hustle. Fit them in during your lunch break, while watching TV, or even on the go with your phone.

Say goodbye to boring tasks: Forget data entry or repetitive online jobs. Surveys are actually fun and engaging, giving you a glimpse into different industries and products.

Think $50 sounds good? That's just the tip of the iceberg. Once you master Survey Savvy, you could be pulling in hundreds each month (I'm not kidding!). Imagine the possibilities: treat yourself to that new gadget, finally save for that dream vacation, or even pay down some bills.

Ready to turn your opinions into cold, hard cash? Enroll in Survey Savvy today and start earning like a pro!
Click the link below to learn more, did I forget to mention that this course was FREE?

https://mysitetv.com/surveys

Don't miss out on this chance to make money online while doing something you actually enjoy. Let's get savvy together!

P.S. Share this post with your friends and family! The more, the merrier (and the more we can all earn!).

P.S.S. No one will EVER ask for bank account, cc number or to pay for anything. If they do, run!!!

Your ONLY out of pocket expense is your TIME.

Checkout page for Survey Savy.

12/15/2023

Did you miss the SETC Webinar? Catch the Replay and Claim Your Tax Savings!

Hey Friends, Family and Facebook Surfers

I Just wanted to send a big thank you to everyone who tuned in for our recent webinar on the Self-Employment Tax Credit (SETC)! Your enthusiasm and questions were truly inspiring, and we loved diving deep into all things SETC with you.

Did you miss any of the juicy details about claiming up to $32,220 in tax credits from 2020 and 2021? No worries! We've got you covered.

Hit the replay button below and catch up on everything you might have missed:

https://mysitetv.com/setcwebinar

In this replay, you'll get the inside scoop on:

Who qualifies for the SETC: Almost anyone with Schedule C income!
How to calculate your potential credit: See just how much you could be saving.

Navigating the application process: We'll break it down step-by-step.

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Remember, the SETC deadline is approaching, so don't let this opportunity slip away. Watch the replay, gather your documentation, and claim your rightful tax savings!

Still have questions? We're always here to help! Reply to this email or reach out to us at [your contact information].

Thanks again for joining us, and happy tax saving!

Warmly,

Larry Bland

P.S. Share this email with your fellow self-employed friends and family – let's spread the word and help everyone claim their deserved credits!

Bonus: For those who attended the live webinar, don't forget to check your inbox for our special bonus offer!

12/10/2023

Self-employed Tax Credit (SETC): Snag Up To $32,220 in Tax Credits in 10 Days

*** Please Forgive me if you are receiving this multiple times, but heck, this is IMPORTANT! *** You may be eligible for up to $32,220 in ta credits…

11/02/2023

Our webinar starts in 5 minutes!😀

Hi, Our webinar on October 26th at 4:00PM PST starts in just 5 Minuets! In this webinar, you'll learn from industry e perts on a variety of topics…

11/16/2022

09/01/2022

Real Estate

**** Saturday at 1PM EST, 932022 1st Time Investors Home Buying Zoom ****
Over 90% of Today's Millionaires Acquired Their Wealth Via Real Estate.
Don't just take my word for it, Google, Bing, or Yahoo this: "What percentage of Millionaires today acquired their wealth though real estate? You do not have to be a professional athlete, Doctor, Lawyer, Web Guru, Crypto Trader or some big corporate exc. to become a millionaire.
All it takes is One Deal to Change Your Life!
Contrary to what most people believe, being in real estate does not mean that you have to shuffle prospective home buyers from house to house, while giving up your weekend with your friends and families. Thats just s small portion of what real estate really entails. In fact, your highest earners have never shown a single soul a piece of residential property. I will discuss many of the ways to make money in real estate in the upcoming online seminar. This online seminar will be a First Time Investors Home Buying Seminar! Click on the link below to register for the online Zoom Meeting. Bring pe and pad, I guarantee you will learn things you never knew before.
https://dmvrealtyinvestments.com/InvestorSeminar

07/31/2022

Own a House

Avoiding online free credit scams
The government passed a law that allows every citizen to get a free annual credit report a few years ago. This law states that they can get their credit history because of the recent increase in identity theft. This free credit report is easily available online and will give you reports from all three of the credit reporting agencies. A credit score is not going to be provided in this instance for you to view.
This is a very popular new law and there are many con artists and identity thieves that have come about and started their own credit report websites to scam you. They are making money off of this new law that is supposed to protect you. There are over 100 free credit report websites that will help you online right now. There is one good website that will help you get a real free credit report online and that is www.annualcreditreport.com
The free credit report scam is usually going to charge a “small fee” to get what is a free credit report. There are also fake free credit report websites that will take down your information and ask for your social security number or they will ask for your credit card information. With this, anyone can steal your identity and spend money on your accounts that will ruin your credit.
You can find these scamming websites in different ways. Most of the scam sites have a similar name as the official free credit report website but you can figure out the difference because these sites often have misspelled words or typos in them. This means that there may be a period of out place. Also most of the web sites will charge you a fee to get the report and remember that you are able to receive one FREE credit report a year. This is true even if they ask you for your credit card information and state and they will not charge you this is something to take note of and be very cautious of. If you get an email of some kind of sale be sure to read the fine print very carefully before you respond. Some have found that certain web sites or sales do offer a free credit report but you have to enter your credit card information and if you do this, you will authorize them to charge your card for credit monitoring services.
You need to remember to get your free credit report either online or at the above mentioned site or phone or mail. You can also make contact with the three national credit report agencies such as Experian, Equifax, and TransUnion and they can also point you in the right direction to keep your credit on track.
Signup for our Free Credit Education and Repair eCourse https://getgoodcredit.org/get-good-credit-ecourse

07/31/2022

National Avocado Day

Good Credit Maintenance

Maintaining a good credit is important to your financial life. There are people who experience poor credit report due to neglect and improper report reviewing. There are even others who went through the process of repairing their credit and somehow managed to maintain good credit after. If you do not want to ever need a credit repair, good credit maintenance is advisable. Luckily, simple steps can help one in proper maintenance of a good credit.

The Importance of a Good Credit

Credit history plays in important role in determining whether you are qualified for a loan or not. The credit is really worth a thousand words and it says so much about the consumer. Not only can it affect your finance but other aspects of your life as well. Several counselors and services agree upon on thing: maintaining a good credit is important in leading a fit financial life.

Most people do not realize that landlords, employers and companies checks credit scores before making a decision on whether or not they can grant a contract or a job. The scores and credit report can help companies decide whether you pay your bills on time or if you have filed for bankruptcies. By doing so, they can use the information on your credit report as a future marker of your credit worthiness.

What You Can Do

Although maintaining good credit can be quite a challenge, there is no better way to keep you safe from debt than by carefully following your spending and always sticking on a budget. Budgets are important as they can aid you in controlling your finances, decreasing your debt and building a strong credit history.

In the topic of managing your debt, the first thing you can do is to keep track of your spending habits. You can do this by creating drafts of what you spend and track anything that you might owe. Monthly statements should be reviewed when they arrive and always check for any possible inconsistencies. Additionally, always remember to report them immediately.

To keep your account in good standing, always remember to pay the creditor on or before the due date normally printed on the statement. Do not skip on any payments and strive to pay more than the minimum or, if possible, pay the whole balance each month.

Another step you can take is not to exceed your credit limit. The available credit is the amount left on your credit usually represented by the difference between your credit limit and your outstanding balance. Always remember to maintain the balance lower than the limit of the credit. Additionally, make sure to add any charges you made after the closing date to your Outstanding Balance included in the monthly statement; doing so can help you find out just how much credit
you have left.

Sticking to a budget is also important. Typically, 10% of your monthly income should be used in paying your credit lines, bills or personal loans. However, in case you are paying more, it is time to reconsider your habits of spending. Keep out of impulsive buying since they are especially hard to pay off.

Lastly, control your finances. It is advisable to create a payment plan, which can help you get on the right track. This kind of scheme should incorporate those whom you need to pay and the amount of the payment each month. Normally, other people limit their credit usage until the finances are under control; this is an excellent method of controlling your finances.
Signup for our Free Credit Education and Repair eCourse https://getgoodcredit.org/get-good-credit-ecourse