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Effort & Personal Finance
Learn why you must dream big—and then put in the required work!

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Think Smarter.  Live Better.  Success is Now.



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It is very important that you make good use of your time and you put in the required effort to make what you desire in your future—occur for you and your family! 

Over the years many consumers have asked—what will it take for me to achieve the results that I desire in my future?

My answer has always been that it depends on your current knowledge baseyour money management personality and where you are now at in your credit and financial life!

If you have low or negative discretionary incomeoutstanding credit card debtand many areas of your finances that need to be addressed—it will take more effort on your part than those who are not in that position.

Regardless of where you are now at you must come to the realization that it will take effort on your part—if you desire to achieve meaningful and significant goals!

This site is the result of imagining and creating a credit, finance and real estate site that adds value to your life and a site that was designed to help you unlock and achieve the potential in your life so that success can overflow in your life.

Furthermore, this site is about helping you obtain the mental working knowledge that allows you to share that knowledge with your loved ones and others.

Our goal is to provide information and advice that will lead to positive results that you can share with others and our goal is to also prepare your mind with what you need to know so that you can succeed on a consistent basis.


As the Summer of 2014 startsI felt it was very important at this time to inform you and others that you must make good use of your time and you must put in the required effortif you desire real success in attaining meaningful goals in your and your family's future!  

You must think, plan and come up with strategies for your future success that will truly lead to the success that you desire.

What You Must Do Now To Make Your Dreams Come True

You must plan—do—and review—if you desire to make your dreams come true!

You must come up with the right strategy that will do what it needs to do in order to help prevent bad things from happening to you.

You must make a difference while you are here on earth and make your life countand truly show your worth! 


You must have the mindset that you will put in the required effort that is needed so that you can live your future with a high level of persistence and not live your future on the terms of creditors and others who could care less about your existence.


You must grow daily in all areas of your life and improve in your knowledge of your finances and you must know what you can—and need to do—to improve your current circumstances. 

You must be open to new ideas in the area of personal finance and you must expand your thought horizon exponentially!

It is also important that you expose your mind to a more excellent way of managing your personal finances on a daily basis. 

You must listen to, read about and view the best material available in the area of personal finance and choose among the best strategies that you feel will work for you and your family.


Doing all of the above requires effort on your part, but it is required if you desire to achieve at a very high level in your and your family’s financial future—in the times that we now live in!

Putting in the required effort means that you will make the best use of your time, commitment, determination, focus and other positive qualities of success on a consistent basis!


Now is the time that you supercharge your mind and use this site—to get your financial future right!

Your landing on this site may have occurred in order to give you the direction that you may need so that you can succeed—at this point in your life.

If you have the potential to succeed you must do so—you can't depend on others to do it for you!

By navigating this site in an effective manner you can obtain the potential to succeed in all areas of your credit and finances—actually doing so is up to you, your choiceyour decision!

If you are serious about your and your family's future you will not retreat and you will not move in the opposite direction of where you need to go!

You must dig deeper, push harder and reach higher toward the success that you desireat this time in your life!

You must be forthright in your approach and you must operate with a system that is designed do what it was intended to do.

You must also utilize a system that will help you attain the success that you desire in the most efficient and effective manner possible!


You must always realize that when you are empowered to do good and do what is righteous—you should do good and what is righteous! 

This site is designed to lift you up—not tear you down. 

And provide you the ability to reach back and bring up those who may be on the wrong path—financially speaking, and put them on the same upward path to success that you now have the opportunity to take!

You can achieve success and be a blessing for others in spite of whether you are now attaining major success or financial difficulty is now occurring in your life.

Regardless of what you are going through or what you have been through—success can now happen for you!  

You can be more than an enabler!  You can now reach back and help others in an empowering manner if you first get your house in order at this time!

This site is for consumers who want to build a strong credit and finance foundation and achieve at a very high level—in today's economy.

How will you handle adversity that will undoubtedly come your way? 

Are you a change agent or are you one who operates in theory only? 

When difficult times occur in your life—you must get into the habit of taking the right action in real time—to make what you really desire occur,  And you must realize upfront that it will take major effort on your part to do so!

Passion, commitment, creativity, action, work that empowers others, that is what it will take!

Your ultimate goal should be to have an impact in the lives of others! 

No one will remember you by what your material possessions are, but they will remember you by the imprint that you made in their life!

Compassion—direction—correction—works on our behalf! 

Ponder—examine, observe, analyze—take into account—and consider whether you really have the effort that is needed within you—or you are determined to get it to do what you need to do!

We believe that untold success lies ahead in your credit, finances and life for you—your family and your loved ones—if you put in the required effort on a consistent basis!

Navigating this site todaywill show you a highly effective way! 

Major success for you and your family can now happen and in the end it will be you and your family who will truly win!

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About This Article:


The above article was written by Thomas (TJ) UnderwoodThomas (TJ) Underwood is a former fee-only financial planner, a former top producing loan processor and is currently a licensed real estate broker in the state of Georgia. 

He is the writer behind The Real Estate & Finance 360 Degrees Series of Books that include The Wealth Increaser, Home Buyer 411 The Smart Guide to Buying Your Home, Home Seller 411 The Smart Guide to Selling Your Home, and  Managing & Improving Your Credit & Finances for this MILLENNIUM.

In addition he is also the writer who created The 3 Step Structured Approach to Managing Your Finances, and CREDIT & FINANCE IMPROVEMENT MADE EASY—NEW GUIDE that you can download right now "(at MIMIMAL cost $3.95)" to learn more about his writing style and how you can achieve "more" success in the current economy.

He is the creator of where he regularly blogs about helping consumers improve their credit, finance and real estate pursuits in an intelligent, consistent and proactive manner. 

He’s always looking for ways to make intelligent finance improvement happen for those who “sincerely desire” success in their future. He was the first financial planner to coin the phrase "financially alert mind"  and he consistently writes in a style that is designed to provide consumers the ability to take control of their lives and achieve great results.

You can contact him from a number of sources but the most direct way is to contact him through the contact us block that can be found at the bottom of this page.  You can also get highly relevant tips on "living your life more abundantly" and link to and possibly earn revenue by logging on to

He is also an IRS registered tax planning professional with over 30 years of tax experience and can be reached at:



Atlanta South Location:

Realty 1 Strategic Advisors, LLC

77 Prestwick Lane

Peachtree City, GA 30269

770-719-4550 (Direct)

Atlanta Central Location:

Realty 1 Strategic Advisors, LLC

2940 West Stubbs Road

Atlanta, GA 30349

404-952-9284 (Direct)

Share this page: Live more abundantly. Pay it forward...
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