Intelligence & Personal Finance

—Learn Why You Must Approach Your Credit & Finances In An Intelligent, Consistent & Proactive Manner In Today's Economy

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Learn Why It Is Important That You Approach Your Financial Future In An Intelligent Manner

It is important that you think intelligently, accurately, analytically and critically. 

You must educate yourself in personal finance if you desire to increase your net worth in the future.  You must analyze the data that your mind receives on this site or any other site—in an effective manner.

Several free sites that may be able to educate you as you try to improve your credit and finance position include the following:

We believe that you may find value in those sites if you now desire to educate yourself in a real way with your credit and finances.

However, we do not believe the above sites or any site provides you the cutting insight and a path to success in as effective a manner as this site.

However, you must use your intelligence and analytical skills to realize that my opinion is biased! 

You must determine for yourself whether this site provides you the “essentials of what you need to know” in the most appropriate manner for you and your family or you must determine if another site
in the internet universe does it better for you and your family!

What other sites seem to miss is the practical application and understanding that is needed by consumers as well as the need of consumers  to effectively manage and improve their mental qualities. 


However, the sites above—along with others are worth reviewing and you must determine if they will work better for you and your family!


In my opinion none of the above sites provide you the “mental working knowledge”  or other “essential tools” that you need to succeed in your everyday finances in a meaningful way—in today's economy. 

However, we’ll let you be the judge—be sure to review the above sites and others and this site—and come to your own conclusion.

Many sites—including the above may offer you good general advice but very few will actually inform you of what you need to do (in a meaningful and comprehensive way) and show you how to do what you need to do (in a meaningful and comprehensive way) in the current economy!  

Many sites read like a dictionary or encyclopedia—and many are rarely updated.

Even fewer (rarely will you find one) sites inform you of the mental processes or mental qualities that you need—to succeed!  And rarely will you find a site that shows you in a practical way how to use those qualities to improve your credit and finances in as effective and efficient manner as the pages on this site! 

You must use your intelligence wisely in your daily credit and finances if you want to achieve at a higher level.  You have all of the mental qualities that are needed for major success in your future—however you may need to cultivate those qualities to a higher level.

Now is the time that you use your intelligence to prepare your mind for a successful credit and finance journey. 

You can gain the knowledge that you need to succeed by properly navigating this site in an effective manner. 

On this site we have used our intelligence to originate and create new ways for you to understand and apply credit and finance systems that can benefit you
and your family in a real and meaningful way—today!

By mentally comprehending and applying what you will learn you can put yourself and your family on a path to success that will have fewer pitfalls and roadblocks. 

You can now attain the success that you desire in an efficient and highly effective manner! 

Whether you want to achieve your objectives during your working years, your retirement years
or after you transitionyou can now do so effectively—and in a manner that serves your best interest!

We wish you untold success in your future and we believe you will achieve just that by navigating this site at this time and using your intelligence in a wise manner!

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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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