New & Improved IISPIRE.com
19 Jul

New & Improved IISPIRE.com

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We are new and improved and feeling good from our head to our shoes!!! Long time no talk. You know the old saying, “those who are walking don’t have time to talk to those who are talking?” Well, that’s me for the past four months. It has literally been a blur. So, what’s new with IISPIRE? We are still Individually Inspiring Specific People In Reaching Each… Dream, Vision, or Goal, however we are taking it to the next level.

Inspiring You To Greatness, Inc. has always offered education that’s why we started this non-profit. Now, with Texas Affordable Housing and our relationship with private donors we are now able to offer some rental assistance. You must be volunteering with IYTG to qualify. The fund is not large enough to offer to the general public right away. The Texas Affordable Housing Program is for temporary assistance in emergency situations only.

Inspiring You To Greatness, Inc. is launching the B3 Program. Better Business Banking means banking the way you need to bank not based on the banks needs. IYTG has some amazing new partnerships collaborating as we speak to offer more education, lunch and learn workshops, and events to the community specifically Business Owners and Entrepreneurs along with their employees, partners, vendors, and friends. Who doesn’t want free lunch?

Please visit the http://iispire.com/blog/b3program/ page and register for the upcoming session.

25 Nov

“The Waiting Room”

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Ladies and Gentlemen I’d like to introduce to some and present to others my greatest gift to the world to date. My self-help guide, “The Waiting Room ~ Surviving & Thriving in the Waiting Rooms of Life.” Here are some excerpts from the book currently going into print with Xulon Press in Miami, Florida.
 
“The Waiting Room”
By:Coach T Simmons
Chapter One- What Are You Waiting For? 
Recognizing when you are waiting intentionally or unintentionally.
 
So, tell me what you think! This is a summary of each of the lessons in each chapter. If you have followed my blogs you know my methods of writing. The greatest thing about this piece is anyone in any stage of life can use this as a guide back to themselves. I spent several years of my life in what I like to call “The Waiting Room”. It is the place where you feel helpless and stuck after a life disaster. Loss of a job, loss of a relationship, failure of a business, loss of a child or loved one, disappointments due to downsizing, loss of a home due to foreclosure, loss of benefits due to discharge for the services, any loss or what could be deemed as a failure in your life. I was thinking about the economy and the state of being right during Christmas. How Obama can’t be with his family because the republicans couldn’t simply agree on helping people like us. All we asked for was for them to extend unemployment benefits to those whose have run out and they are struggling to make it. For the people you buy your coffee from in the morning to not have to be taxed more than they already are. I continued to ponder this news broadcast I saw on Rock Center on NBC about these same congress people who are all currently millionaires. I’m thinking to myself, WOW! How could this be? Who cares about us? Who is fighting for us? All people care about is which reality tv star is moving to Dallas next or who’s getting divorces or whatever else nonsense they can find to write & report about. All of this just kept me up at night to the point that I said I have to do something to reduce this carbon footprint and put people back to work… so my mind started churning…. and here we go.
 
What do we do in… “The Waiting Room”. When you don’t know what to do… what do you do? How can you unlock your own bolted down doors? How can you do something to better your own situation? With no job, no money, no credit, and no backers how can you pull yourself out of the pit you have been hiding in? By realizing your own fullest potential! So, I’m thinking that sounds good, but we need some answers. AND THE ANSWERS BEGAN TO FLOW! When is the most inconvenient time of your life? While you are waiting!!! Waiting for a call back for a job, waiting to see if your approved for a loan, waiting for the right business idea, waiting for the results in the doctors office, waiting at the red light, waiting at the bus stop, waiting at the copier, waiting… waiting… and more waiting. Yes, it will make you feel like you are going insane and for some, they are. People are feeling helpless right now. Like there is no hope. As if they will never see the light at the end of the tunnel. It is as if the some of the middle class are vastly becoming apart of the lower class and sliding below the poverty level. I have met former millionaires while volunteering at food banks. I have met million dollar producers that are now on public assistance. I have watched companies close their doors because workers simply asked for better wages and insurance for their families. I have an aunt who was fired while she was in the hospital fighting for her life after a massive stroke. Some people are in the fight of their lives and if we don’t do something to make a change who will? What will happen to this ecomony if we don’t rise up and do what it is we were called to do? This book is an action plan filled with a call to action coupled with instructions from the pit to the palace.
 
What it is not:
~ A get rich quick plan. This is a method on how to use your waiting rooms of life to figure out what it is you are supposed to be doing with your life. This is a personal inventory workbook designed to be read and used in waiting rooms of life in life.
 
I am working on this project tiredlessly because I know it is going to change the world! I will keep you posted of my progress, and would love your feedback and questions. Email me at: gocoacht@ymail.com.
 
It is time for us to subdue the earth! No longer victims but victors! The power to perform is within US! Unlock your own potential and stop holding your own self back! Life’s battles don’t always go to the stronger or swifter man… for sooner or later the man that wins… is the man that THINKS he can! I THINK I CAN!!!!
 
Coach T
 
1 May

Long Time No Talk

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How many times have you ran into an old friend and said, “we need to keep in touch” only to not speak to this person again until you happened to run into them.With all of the social media, new phones coming out, tablets, and mobile devices popping up like popcorn all this only means one thing… we are all becoming more and more anti-social. Does that make sense? The more social media mediums we have; the easier it is for us to still not talk. If you have more than 5 social media accounts you know exactly what I am talking about. Why is this? I do not have all the answers, it is the questions I pose.

My suggestion is that it is becoming less confrontational to simply send a text or email rather than meeting face-to-face or calling someone. Believe it or not people are actually becoming bold enough to do everything they never could behind the clicks of a mouse. I use to tell my Clients all the time in the Real Estate business no one buys a house over the Internet, or do they? While in the good ole days they did not, today you can do everything over the Internet; including buy a home! 

In your relationships, try to keep at least a handful of people you can speak to and connect with on a weekly basis. This builds moral, keeps us friendly, and most importantly gives us something to look forward to rather than just the all mighty click!

30 Jun

Credit Restoration is Real

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How many times have you applied for a credit card only to be turned down? You try to order your own credit report, but every website asks for your credit card number. You reluctantly do it, and then it takes you 3 months to get that company to stop billing you. So what do you do?

I can tell you have to restore your own credit. It is simple and easy!

Step One:

Order all of your credit reports for free at: www.annualcreditreport.com Make sure you use your previous address if you just moved and make sure you have forwarded your mail from that previous address otherwise you will not get your reports. It will take two to three weeks to get your credit reports. Some are faster than others.

Step Two:

Once you get your reports go thru each one and review it. Take a highlighter and highlight everything that is incorrect. Once you have completed this process, now you are ready to go to each site and dispute. It is very important that you have the credit reports before you go to these sites otherwise you will not be able to complete this step.

Step Three:

Go to each of these sites to dispute:

Experian: www.experian.com/reportaccess click on dispute. Enter everything it requests. Do not order a new report, use your number from your report you received in the mail.

Trans Union: www.transunion.com/investigate  click on dispute. You should have already created a username and password when you ordered your report. Simply log in, and click on dispute.

Equifax: www.csccredit.com click on consumer assistance. Then click on dispute. First you must register, then wait a day and go back to complete the dispute process. Once you go back you must use your report to enter everything you need to dispute. This one will take the longest, but you can be very thorough.

Come back and let me know how this works for you or if you have any disputing questions. I was a credit consultant for eight years so I have an extensive amount of knowledge on this process. It doesn’t make sense to pay people for services you can complete for free on your own. BUT!!!! If you want to pay someone, let me know!

Step Four:

Once you have completed all of your disputes, I suggest you keep a journal or folder with all of your disputes in it. It will take 21-30 days for you to get the results via mail. Once you do they will say: deleted, updated or remains. Deleted means, they took it off your report. Updated means they changed something. Remains means no change. If you are not happy with these results go back and start the process over. If you are happy, now it is time to go to the final step.

Step Five:

Now if you still have items on your credit that are not correct, you must contact the companies directly. You can settle the debts or argue your point of why the company needs to update. Make sure you have your receipts or documentation ready to be sent directly to the company in question.

FACT: Credit card companies write off your charged off accounts as “bad debt” and they actually receive a “credit” from the IRS when they file their taxes. So, when you call to settle an account that is considered “new money” therefore they will be more willing to settle a debt after it has charged off rather than you being a current customer and trying to settle. I know it is sad that if you pay your bills on time you are not offered settlements, but it is because there is no incentive for new money! So a charge off is not always a bad thing. It is the collection accounts that hit your credit score so drastically. Once you make a settlement that you and the company (creditor) can agree to, make sure after you pay them, they fax and mail you a receipt for your payment. This is a must! Creditors will tell you whatever they can to get your money, then they will not be so cooperative so if you were going to get it you need to get it when you pay otherwise you may not get it! Once you do get the settlement letter immediately send it in to the credit bureaus. This will ensure your report will be updated quickly. Some companies only report quarterly not monthly so if you waited on them to update your account it may take three months. Be proactive!

This should give you an easy overview of how to restore your own credit. After you have gotten all the negative items off you need to add some positive credit. There are secured credit cards you can get through your local bank or you can get a certificate of deposit at your local bank and borrow against it to get a loan. Make payments on this loan every month on time for the next six months to a year and this will build your credit score up.

If this posting helped you please leave me a comment and let me know!