Finance Improvement
—Learn how you can improve your credit and finances in all areas

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You can now start enjoying your life more and manage your credit in a smarter, more cost-effective, more time-efficient, easier-to-follow and easier-to-apply manner...

Learn how effective financial planning can change your life for the better...

100 money saving strategies...

Learn about 15 Questions that every home buyer should know the answers to “prior to” purchasing their home…

Learn How "10 Steps To Improving Your Finances" Can Lead To Financial Success For You & Your Family... 

Learn about Frequently Asked Questions about Managing & Improving You Credit & Finances for this Millennium…

Learn How You Can Improve Your Finances So That You Can Attain Success In The Current Economy...

If you are serious about your finances and want to improve your finances in insurance, investments, taxes, education planning, estate planning, and retirement planning you are on the right page.

We believe that this is the most complete and empowering personal finance improvement page on the web for those who sincerely want to improve their financial position.

Learn what you can do to improve your “Insurance Planning”… 

Learn what you can do to improve your “Investment Planning”… 

Learn what you can do to improve your “Tax Planning”… 

Learn what you can do to improve your “Education Planning”… 

Learn what you can do to improve your “Estate Planning/Wills”… 

Learn what you can do to improve your “Retirement Planning”… 

Did you know that there are practical things that you can do now to improve your credit position? Even if you have great credit you can find information on how to maintain and improve your credit by clicking on the "Credit Improvement" link below. 

To go to the “Credit Improvement Page”—Click Here… 

Are you aware that many insurance companies use your credit score to set your insurance rate?

If your credit is not at an acceptable level you can change that now by going to the credit and insurance page to learn about how credit and other factors affect your insurance rates. 

Did you know that by understanding the "Life Stages" of Financial Planning you can more timely put yourself and your family in a winning financial position?

Even if you have no understanding of these concepts now—you can learn how they could benefit you and your family by clicking on the "Life Stages of Financial Planning" link below. 

Do you understand the "Life Stages" of Financial Planning? If you don't click here to see how knowing what stage you are at can benefit you and your family. 

Regardless of where you are in your "life stage" it is imperative that you properly establish and maintain an "emergency fund" as soon as possible. By doing so you will reduce your and your family's financial risks. 

Be Sure To Use Goal Setting & Personal Financial Statements To Maximize Your Financial Planning Efforts!

We believe that "goal setting" and the proper use of "personal financial statements" are a must for those who sincerely want to improve their finances for themselves and their family.



Words of Encouragement

Follow your dreams—no matter what the world has produced before you, no one can see what you see and/or do what you do!

You have been uniquely created and only you can impart your intelligence and specialty in a manner that can serve a greater purpose for mankind!

Success is where faith and proper preparation meet. Proper preparation will lead to success if you have faith.

Let righteousness live in your heart, and let goodness rise in your soul. Let your mind elevate at it's highest level. Always love, honor and believe in yourself!

Always realize that you may have a legitimate "reason" for your current financial position, but don't use that reason as an "excuse" to not take positive action now!

Transform your mindset towards your finances by re-focusing on what is important and being open to looking at your finances in a different or better way!

Financial Success is within your grasp, but only you can do it! The “root” to… obtaining your future nest egg is having a proper financial mindset or focus.

The “branches” are… how you will get there and the “tree size” is…the big picture—your ULTIMATE GOALS & OBJECTIVES!

How we See Financial Planning

When it comes to finances we do not believe that there is a one size fits all approach that is appropriate for everyone. 

However, we realize that a one size fits all approach is better than “no approach” at all, therefore it is imperative that you at least get started on improving your financial position.

Absent a specific plan tailored to your specific financial condition and lifestyle, a one size fits all approach is better than “no planned approach” and could be beneficial for you and your family.

However, it is not something that we feel is the best approach to take for those who desire enduring success!

We feel that creating a financial plan that is specific to your situation and customized to be of optimal benefit to you and your family (in our opinion) is more appropriate than a one size fits all approach—in most cases.

Many visitors to this site often complain about the political, regulatory, economic, social, technological and legal environments in their Country and act as if those factors are a deterrent towards reaching their goals!

However, in many of those same Countries there are no laws now—nor are there likely to be any in the future that prevents you from improving your “credit and financial life”—whether it be in insurance, investing, taxes, education, estate planning or retirement planning.

Now that does not mean you won’t have to make chess type moves based on what is occurring in your political, regulatory, economic, social, technological and legal environments in your Country!

The key point is that "YOU" should be a lot more focused on what you can do in the “current environment” to improve your situation and that of your family's in a more definitive way.

That means concentrating on a specific plan of action that you (and/or your planner) have created to help improve your living conditions in the most efficient and effective manner possible.

Also, make it a priority to comprehend the information on this page and the links listed above at your highest levels.

We are of the opinion that the information has the potential to truly transform your life if you process and apply the concepts in a manner that fits your and your family's unique financial position.

We believe the information and advice can help change the financial dynamics in a positive way for you and your family for generations.

It is also important for you to know that the E-mails and conversations from consumers around the world attest to the beneficial nature of this web page and what it has done in the lives of those who have properly utilized the concepts in their financial life.

Be sure to use the information and advice wisely and you too will be on your way to future financial success.

All the best as you achieve financially at a level that is your absolute best...

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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:



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