___________________
STAF, Inc. - until every family is doing well©
This report compiled, edited & partially written
by Dr. Christian von Christophers, Ph.D., N.D., D.D.,
The Founding President of Save The American Family - STAF, Inc., -not-for-profit-
(click) www.staf1org.weebly.com
$468 a year savings on a four-year $25,000 auto loan for a borrower whose FICO score is 720 or above, versus someone in the 660-689 range
_____________
Article 1 of 4
Introduction
Click colored web links for further info
There are some easy ways to catch a break with your dealer when negotiating the price of your car. Timing can be everything:
Here a few facts to realize to save some cash:
Shop early in the week. Weekends are prime time for dealers. But if you show up on a Monday, a salesman may be more motivated to cut a deal because business will be slow for the next few days.
Shop at the end of the month. Car dealers get monthly bonuses if they move enough metal. If you show up on the 30th and your salesperson is two cars short of a bonus, he or she may cut you a better deal so to make numbers.
Shop for a car that’s about to be replaced/discontinued. Pretty simple logic here: Things that are about to be considered “old” sell for less. If you’re looking at a car towards the end of the year and the new year's models are about to arrive at the dealer, you usually can get a bargain. If the new year's model is completely new and different from the previous year, you’ll save even more. (Who wants to be seen driving the old-looking model? Smart, frugal people, that’s who.) And if the car maker decides the year model isn’t selling much anymore and kills it after the current model year? (OK, fat chance, but this is just an example.) Untold riches await. As do potential maintenance headaches — remember, some cars are unpopular for good reason
Always check this website: TrueCar.com, a car-buying website that partners with dealers and offers pricing estimates.
TrueCar | Never overpay
See What Other paid on any New Car Save Up to 20% on Your Next Car
never overpay · customer support · certified dealers · guaranteed savings
... the tools you need so you can buy with confidence – GEICO
Article 2 of 4
How to Buy a Car
With Low or No Credit
Click green for further details
Need a new set of wheels and worried about your credit score? Here's a look at your options.
Some other facts:
If your credit is less than stellar, paying cash or getting someone to cosign on a loan can help you land the car you want.
Like mortgage lending, auto financing got tougher after the economic recession years, especially for those with low or no credit.
Click: Recession
Many Americans held onto their cars rather than upgrading because they couldn't get financing or worried about taking on an auto loan amid layoffs, hiring freezes and other uncertainty.
But as the economy has improved in many parts of the country, auto lenders have loosened the reins and expanded access to financing. That's the good news. The not-so-good news, if you have credit issues, is that you'll often pay a premium for financing to cover the lender's heightened risk just as you would with a mortgage or other loan. Underwriting criteria varies by lender, but in general, you're considered a subprime borrower if your FICO score is 660 or lower, you've had a bankruptcy in the last five years or your debt-to-income ratio is 50 percent or higher.
[See: 12 Simple Ways to Raise Your Credit Score.]
Errors on your credit report could result in a higher interest rate or even a denied loan application, so check your credit report and dispute any mistakes. A Federal Trade Commission study from last year showed that 5 percent of American consumers had errors on their credit reports that could lead to them paying more for auto loans or insurance.
For people without errors on their credit report, those issues can cost money, too.
"If the going rate was 3 percent for somebody with good credit, then somebody with challenged credit might be paying a third more," says Jack Nerad, executive editorial director for Kelley Blue Book, a vehicle valuation and information website.
Here's a look at options for people with credit issues:
1. Pay cash. If you can save up enough money to pay for a car in cash, you'll avoid potential cash flow issues that could lead to a repossession and damage your credit further. "Oftentimes with a credit-challenged person taking on a car loan, [he or she is] looking at something that's beyond their means and can just be a further financial trap for them," Nerad says. This isn't a realistic option for everyone, but if you can make it work, you'll also avoid the higher interest charges you may be offered due to credit issues.
2. Consider the length of the loan. If you must finance a vehicle, set a monthly payment amount that isn't going to stretch you too far financially and balance that with the length of the loan. Longer auto loans – some borrowers finance a car for six years or longer – mean you could be underwater for much of the loan, owing more than the car is actually worth due to depreciation. You'll also pay more in interest over the life of the loan but have lower monthly payments. "Depending on the lender, lenders that interact with subprime creditors may require a buyer to take a shorter-term loan in an effort to reduce their risk exposure," says Mike Schenk, chief economist for the Credit Union National Association.
[Read: The Hidden Costs of Buying a Car.]
3. Shop around for financing. Don't assume that with bruised credit, your only option is a dealer willing to finance you at a painfully high rate. Before you enter a dealership, check with local banks or credit unions. Schenk urges buyers to shop around and try at least one credit union, especially if they have an existing relationship with one. "Credit unions are member-only financial cooperatives, and they're smaller than other financial institutions," Schenk says. "They tend to be a little more flexible in their underwriting and be more willing to listen to your story. The fact that they're small means that underwriting is being written locally, not by some big corporation three or four five states over." Also consider revisiting your options in a few months if you can't secure a loan now, as your credit picture may have changed, especially if you were previously out of work. "If you were newly hired, it's conceivable that what looked like not such a great credit score a while ago looks like a good score today," Schenk says. A middling credit score with higher income and a track record with the same employer is more attractive to lenders than that same score without a strong income and employment history.
4. Get a cosigner. If someone like a parent or spouse is willing to cosign your auto loan, it can help boost your attractiveness to lenders. "[A cosigner] gives the lender some options in recovery that are beyond the person with bad credit, so that can help significantly," Nerad says.
[Read: You Cosigned a Loan, They Defaulted. What Now?]
5. Find a "buy here, pay here" dealer. If all else fails and you really need a set of wheels, a "buy here, pay here" dealer may be your last stop. "When they really tightened up lending practices, a lot of dealers found themselves in a bind because they had subprime customers and we saw the emergence of this new sales channel: 'Buy here, pay here,'" says Eric Lyman, vice president of industry insights at TrueCar.com, a car-buying website that partners with dealers and offers pricing estimates. "Buy here, pay here" dealers are typically independent dealers that underwrite the loan themselves at a high interest rate, and most have borrowers drop off payment rather than wait for a check in the mail. "You can take delivery of the car, but you're going to have to drop off payments on a regular basis," Lyman says. "It's obviously inconvenient to drive by the dealership and drop off a check, but if you can't get any other options, this could be your last resort."
Article 3 of 4
How to Buy a Car on Credit
Written at the beginning of 2015
These Strategies Can Save You Money and Limit Your Risk
Car buyers are taking out loans more frequently, borrowing larger amounts and planning to pay the money back over longer periods. Before following in their tracks, take a few steps to protect yourself.
Among them: Ask the financing office at the car dealership to beat the lowest rate you qualify for from other lenders, and avoid borrowing so much that normal depreciation could soon leave the car worth less than the outstanding loan balance.
Put down a significant down payment, which can offer protection against the car losing value. And if you opt for add-ons that dealers often offer, such as extended warranties, don’t add the cost to the loan balance because that also could increase the risk that you will owe more than the car is worth.
Lenders originated nearly 19.2 million car loans and leases in the first nine months of 2014, up 4.7% from the same period a year prior and 64.1% from that period in 2009, during the financial crisis, according to credit-reporting firm Equifax. The new borrowing amounted to $391.6 billion, up 7.0% from a year prior and 86.3% from 2009.
Car dealers are arranging many of the loans. Just over 76% of new-car transactions during the first 11 months of 2014 involved loans or leases through dealerships, according to Edmunds.com, which tracks car sales and financing. That figure was 65% in all of 2009.
The average loan amount for a new car in the third quarter of 2014 was $27,799, up 4% from the same period a year prior and up 22% from 2009, according to Experian Automotive, a unit of Experian, another credit-reporting firm. Nearly 24% of new-car loans given out to buyers in the quarter had repayment periods of 73 to 84 months; just two years prior, that figure was 16%. Meanwhile, the percentage of loans given out in the quarter that are due to be paid back in five years or less has dropped.
Low interest rates are fueling the market. The average interest rate on a new-car loan is 4.5%, according to Experian. Some lenders charge the most creditworthy borrowers as little as 1.5%, and the financing arms of some major car makers offer no-interest loans.
“The desire on the part of consumers to treat themselves well with a nice car is favored by a low interest rate,” says Cris deRitis, senior director at Moody’s Analytics, a New York-based financial-research and risk-management unit of Moody’s.
Extending the repayment period can make loans seem even more affordable. A $20,000, four-year loan at 4.5% interest requires a monthly payment of $456. That payment drops to $278 with a seven-year loan at the same interest rate.
But longer-term car loans can pose problems, including larger overall interest payments. On the same seven-year loan, the borrower will pay $1,461 more in interest than on the four-year loan. In addition, longer-term loans typically come with higher interest rates, making the potential gap even greater.
Moreover, most cars start losing value as soon as they leave the lot and continue depreciating over time, so borrowers can end up owing more than the asset is worth in a hurry. By contrast, homes tend to gain value over time, so that a borrower is generally left owing more on a mortgage than a home is worth only when the housing market is under stress, as in the financial crisis.
Car buyers who decide to get a loan should talk to lenders before going to the dealership. At LightStream, an online lending division of SunTrust Banks ,
Click: LightStream.com - LightStream Loans $5k-$100k, Good Credit Only. Loans for just about anything! No fees whatsoever · No down payment · Funds as soon as same day,
borrowers can get fixed interest rates between 1.99% and 2.99% on personal loans of $10,000 to $100,000 if they want to use the money to buy a new car and will pay off the loan in two to five years.Click: Capital One Financial offers three-year new-car loans at fixed interest rates as low as 2.39%.
Borrowers should consider checking in with credit unions. The average interest rate at such lenders on three-year new-car loans was 2.51% as of Dec. 30, compared with 4.68% at banks, according to SNL Financial, a financial-information firm based in Charlottesville, Va. At Navy Federal Credit Union, the largest credit union in the U.S. by assets, the fixed interest rate for a new-car loan of up to three years is as low as 1.49%.
Bring the best deal you can qualify for to the dealership where you want to buy a new car. Keep in mind that only about 10% of borrowers who got a new-car loan from a dealer or manufacturer program received a 0% interest rate in 2014, through September, according to Edmunds.com.
Sources:
(1) U.S. News & World Report
(2) WSJ
(3) STAF, Inc
_____________________________
STAF, Inc. - until every family is doing well©
This report compiled, edited & partially written
by Dr. Christian von Christophers, Ph.D., N.D., D.D.,
The Founding President of Save The American Family - STAF, Inc., -not-for-profit-
(click) www.staf1org.weebly.com
$468 a year savings on a four-year $25,000 auto loan for a borrower whose FICO score is 720 or above, versus someone in the 660-689 range
_____________
Article 1 of 4
Introduction
Click colored web links for further info
There are some easy ways to catch a break with your dealer when negotiating the price of your car. Timing can be everything:
Here a few facts to realize to save some cash:
Shop early in the week. Weekends are prime time for dealers. But if you show up on a Monday, a salesman may be more motivated to cut a deal because business will be slow for the next few days.
Shop at the end of the month. Car dealers get monthly bonuses if they move enough metal. If you show up on the 30th and your salesperson is two cars short of a bonus, he or she may cut you a better deal so to make numbers.
Shop for a car that’s about to be replaced/discontinued. Pretty simple logic here: Things that are about to be considered “old” sell for less. If you’re looking at a car towards the end of the year and the new year's models are about to arrive at the dealer, you usually can get a bargain. If the new year's model is completely new and different from the previous year, you’ll save even more. (Who wants to be seen driving the old-looking model? Smart, frugal people, that’s who.) And if the car maker decides the year model isn’t selling much anymore and kills it after the current model year? (OK, fat chance, but this is just an example.) Untold riches await. As do potential maintenance headaches — remember, some cars are unpopular for good reason
Always check this website: TrueCar.com, a car-buying website that partners with dealers and offers pricing estimates.
TrueCar | Never overpay
See What Other paid on any New Car Save Up to 20% on Your Next Car
never overpay · customer support · certified dealers · guaranteed savings
... the tools you need so you can buy with confidence – GEICO
Article 2 of 4
How to Buy a Car
With Low or No Credit
Click green for further details
Need a new set of wheels and worried about your credit score? Here's a look at your options.
Some other facts:
If your credit is less than stellar, paying cash or getting someone to cosign on a loan can help you land the car you want.
Like mortgage lending, auto financing got tougher after the economic recession years, especially for those with low or no credit.
Click: Recession
Many Americans held onto their cars rather than upgrading because they couldn't get financing or worried about taking on an auto loan amid layoffs, hiring freezes and other uncertainty.
But as the economy has improved in many parts of the country, auto lenders have loosened the reins and expanded access to financing. That's the good news. The not-so-good news, if you have credit issues, is that you'll often pay a premium for financing to cover the lender's heightened risk just as you would with a mortgage or other loan. Underwriting criteria varies by lender, but in general, you're considered a subprime borrower if your FICO score is 660 or lower, you've had a bankruptcy in the last five years or your debt-to-income ratio is 50 percent or higher.
[See: 12 Simple Ways to Raise Your Credit Score.]
Errors on your credit report could result in a higher interest rate or even a denied loan application, so check your credit report and dispute any mistakes. A Federal Trade Commission study from last year showed that 5 percent of American consumers had errors on their credit reports that could lead to them paying more for auto loans or insurance.
For people without errors on their credit report, those issues can cost money, too.
"If the going rate was 3 percent for somebody with good credit, then somebody with challenged credit might be paying a third more," says Jack Nerad, executive editorial director for Kelley Blue Book, a vehicle valuation and information website.
Here's a look at options for people with credit issues:
1. Pay cash. If you can save up enough money to pay for a car in cash, you'll avoid potential cash flow issues that could lead to a repossession and damage your credit further. "Oftentimes with a credit-challenged person taking on a car loan, [he or she is] looking at something that's beyond their means and can just be a further financial trap for them," Nerad says. This isn't a realistic option for everyone, but if you can make it work, you'll also avoid the higher interest charges you may be offered due to credit issues.
2. Consider the length of the loan. If you must finance a vehicle, set a monthly payment amount that isn't going to stretch you too far financially and balance that with the length of the loan. Longer auto loans – some borrowers finance a car for six years or longer – mean you could be underwater for much of the loan, owing more than the car is actually worth due to depreciation. You'll also pay more in interest over the life of the loan but have lower monthly payments. "Depending on the lender, lenders that interact with subprime creditors may require a buyer to take a shorter-term loan in an effort to reduce their risk exposure," says Mike Schenk, chief economist for the Credit Union National Association.
[Read: The Hidden Costs of Buying a Car.]
3. Shop around for financing. Don't assume that with bruised credit, your only option is a dealer willing to finance you at a painfully high rate. Before you enter a dealership, check with local banks or credit unions. Schenk urges buyers to shop around and try at least one credit union, especially if they have an existing relationship with one. "Credit unions are member-only financial cooperatives, and they're smaller than other financial institutions," Schenk says. "They tend to be a little more flexible in their underwriting and be more willing to listen to your story. The fact that they're small means that underwriting is being written locally, not by some big corporation three or four five states over." Also consider revisiting your options in a few months if you can't secure a loan now, as your credit picture may have changed, especially if you were previously out of work. "If you were newly hired, it's conceivable that what looked like not such a great credit score a while ago looks like a good score today," Schenk says. A middling credit score with higher income and a track record with the same employer is more attractive to lenders than that same score without a strong income and employment history.
4. Get a cosigner. If someone like a parent or spouse is willing to cosign your auto loan, it can help boost your attractiveness to lenders. "[A cosigner] gives the lender some options in recovery that are beyond the person with bad credit, so that can help significantly," Nerad says.
[Read: You Cosigned a Loan, They Defaulted. What Now?]
5. Find a "buy here, pay here" dealer. If all else fails and you really need a set of wheels, a "buy here, pay here" dealer may be your last stop. "When they really tightened up lending practices, a lot of dealers found themselves in a bind because they had subprime customers and we saw the emergence of this new sales channel: 'Buy here, pay here,'" says Eric Lyman, vice president of industry insights at TrueCar.com, a car-buying website that partners with dealers and offers pricing estimates. "Buy here, pay here" dealers are typically independent dealers that underwrite the loan themselves at a high interest rate, and most have borrowers drop off payment rather than wait for a check in the mail. "You can take delivery of the car, but you're going to have to drop off payments on a regular basis," Lyman says. "It's obviously inconvenient to drive by the dealership and drop off a check, but if you can't get any other options, this could be your last resort."
Article 3 of 4
How to Buy a Car on Credit
Written at the beginning of 2015
These Strategies Can Save You Money and Limit Your Risk
Car buyers are taking out loans more frequently, borrowing larger amounts and planning to pay the money back over longer periods. Before following in their tracks, take a few steps to protect yourself.
Among them: Ask the financing office at the car dealership to beat the lowest rate you qualify for from other lenders, and avoid borrowing so much that normal depreciation could soon leave the car worth less than the outstanding loan balance.
Put down a significant down payment, which can offer protection against the car losing value. And if you opt for add-ons that dealers often offer, such as extended warranties, don’t add the cost to the loan balance because that also could increase the risk that you will owe more than the car is worth.
Lenders originated nearly 19.2 million car loans and leases in the first nine months of 2014, up 4.7% from the same period a year prior and 64.1% from that period in 2009, during the financial crisis, according to credit-reporting firm Equifax. The new borrowing amounted to $391.6 billion, up 7.0% from a year prior and 86.3% from 2009.
Car dealers are arranging many of the loans. Just over 76% of new-car transactions during the first 11 months of 2014 involved loans or leases through dealerships, according to Edmunds.com, which tracks car sales and financing. That figure was 65% in all of 2009.
The average loan amount for a new car in the third quarter of 2014 was $27,799, up 4% from the same period a year prior and up 22% from 2009, according to Experian Automotive, a unit of Experian, another credit-reporting firm. Nearly 24% of new-car loans given out to buyers in the quarter had repayment periods of 73 to 84 months; just two years prior, that figure was 16%. Meanwhile, the percentage of loans given out in the quarter that are due to be paid back in five years or less has dropped.
Low interest rates are fueling the market. The average interest rate on a new-car loan is 4.5%, according to Experian. Some lenders charge the most creditworthy borrowers as little as 1.5%, and the financing arms of some major car makers offer no-interest loans.
“The desire on the part of consumers to treat themselves well with a nice car is favored by a low interest rate,” says Cris deRitis, senior director at Moody’s Analytics, a New York-based financial-research and risk-management unit of Moody’s.
Extending the repayment period can make loans seem even more affordable. A $20,000, four-year loan at 4.5% interest requires a monthly payment of $456. That payment drops to $278 with a seven-year loan at the same interest rate.
But longer-term car loans can pose problems, including larger overall interest payments. On the same seven-year loan, the borrower will pay $1,461 more in interest than on the four-year loan. In addition, longer-term loans typically come with higher interest rates, making the potential gap even greater.
Moreover, most cars start losing value as soon as they leave the lot and continue depreciating over time, so borrowers can end up owing more than the asset is worth in a hurry. By contrast, homes tend to gain value over time, so that a borrower is generally left owing more on a mortgage than a home is worth only when the housing market is under stress, as in the financial crisis.
Car buyers who decide to get a loan should talk to lenders before going to the dealership. At LightStream, an online lending division of SunTrust Banks ,
Click: LightStream.com - LightStream Loans $5k-$100k, Good Credit Only. Loans for just about anything! No fees whatsoever · No down payment · Funds as soon as same day,
borrowers can get fixed interest rates between 1.99% and 2.99% on personal loans of $10,000 to $100,000 if they want to use the money to buy a new car and will pay off the loan in two to five years.Click: Capital One Financial offers three-year new-car loans at fixed interest rates as low as 2.39%.
Borrowers should consider checking in with credit unions. The average interest rate at such lenders on three-year new-car loans was 2.51% as of Dec. 30, compared with 4.68% at banks, according to SNL Financial, a financial-information firm based in Charlottesville, Va. At Navy Federal Credit Union, the largest credit union in the U.S. by assets, the fixed interest rate for a new-car loan of up to three years is as low as 1.49%.
Bring the best deal you can qualify for to the dealership where you want to buy a new car. Keep in mind that only about 10% of borrowers who got a new-car loan from a dealer or manufacturer program received a 0% interest rate in 2014, through September, according to Edmunds.com.
Sources:
(1) U.S. News & World Report
(2) WSJ
(3) STAF, Inc
_____________________________
Article 4 of 4
World's # 1 free advice website Successo-Pedia©
for all family matters, success, health, wealth &
for the good life - with free Q & A
- built by Save The American Family - STAF, Inc.,
www.staf1org.weebly.com
_____________________
This info will save nationwide/worldwide trillions in health care costs
This info will save YOUR health and save YOUR money
America & everyone worldwide must learn the #1 skill:
Healthy Lifestyle & Correct Nutrition
Avoid big food bills, big bellies & big sickness costs
That's like a free health insurance and better
Quotation:
"To stay healthy you need to eat what your body wants,
not what you want"
(Dr. Christian, STAF, Inc.)
STAF, Inc. has developed a new Healthy Lifestyle & Correct Nutrition Program for the U.S. government's & for every nation's use worldwide.
Totally it took 26 years to develop, first 19 years worldwide research & 7 years to modify it for everyone's needs. This program covers, for the first time ever, all necessary elements to get the lasting results in all family related challenges & in our rampant obesity, overweight & sickness levels. Its nutritional program leading to health & to a longer life is at the same time an automatic weight loss program: nothing to buy, no calories to count, no unreasonable portion control - eat as needed; just follow the easy instructions.
The best news is this: the correct, health-restoring & health-maintaining food with all necessary daily nutrients in the correct combination
costs ONLY about $95 per one (adult) person monthly.
The new STAF Plan guides you to buy your food ingredients in your local supermarket & prepare your food in your own kitchen based on the new, delicious recipes.
The bigger the family, the less $ per/person. Only a plan everyone can afford is a solution to the world's health challenges.
Your food expenses, time being, are probably many times more than in this new STAF, Inc.'s results bringing program. Everyone can afford this amazing program whether one works on the minimum salary or lives on the social security or similar.
The saved money is "found money" - this new STAF, Inc. program guides you to place it in safe investments - STAF, Inc. endorses only a few investment adviser companies as reliable. With the saved money your family can create substantial wealth within time. Also a millionaire? Or a multi-millionaire - that's possible also.
These are not overstatements - these are the plain facts.
Our statement; STAF, Inc. until every family is doing well
STAF, Inc.has 10 private services given a unique lifetime result-guarantee with only a one-time fee - see website.
(1) The STAF Healthy Lifestyle & Correct Nutrition Plan is
the most economical plan
in the U.S. and worldwide (only about $95 a month per one adult).
Yet, the STAF Plan provides all nutrients any human needs in a correct, healthy, delicious manner and in fully correct proportions.
A healthy lifestyle & correct nutrition plan is good only if everyone working or getting government benefits can afford the plan. Most diet plans are so costly that those people who most need a result-bringing plan cannot afford following the plan. What good is that? Everyone working or getting the government benefits will and CAN afford following The STAF Plan because it will cost the least, much less than any other plan.
(2) Not only is the STAF Plan the most affordable but the STAF Plan has financial benefits embedded in its guidance.
In most families the food costs are (much) more than the new STAF Plan demands. The STAF Plan will guide you to invest the saved money leading to a improved family economy - potentially also to a millionaire level (not a joke, a fact). Also the multi-millionaire level is possible - further instructions in the STAF Plan.
No other plan does that. In STAF, Inc.'s website additional information relating to the investment program.
(3) In addition to providing all healthy lifestyle & correct nutrition guidance the
STAF PLAN covers, for the first time ever, all necessary elements in strengthening the marriage & other family ties, in successful child raising, in teen age challenges and in other happy family related topics.
The STAF Healthy Lifestyle & Correct Nutrition program covers all factors needed for a healthy & a happy family life.
The new STAF Healthy Lifestyle & Correct Nutrition program will,
in a televised D.C. event, be introduced worldwide &
to The W.H., The President, The U.S. Congress & Senate.
STAF, Inc.'s presence is needed in D.C. in the U.S. Congress (House & Senate).
STAF, Inc.'s founding President is planning (1) to seek a seat in D.C. Congress/Senate to provide the necessary information to the D.C. lawmakers and (2) to establish a new federal agency, Healthy Lifestyle & Family Success Agency & to be named its first federal director. New legislation & training for all these matters are needed in a results-bringing manner.
STAF, Inc.'s slogan: Less suffering - more life™
Our website page tops have a link to study STAF, Inc.'s founding documents to see its mission statements and you can see them here also click: mission
Save The American Family - STAF, Inc., -not-for-profit, needs donations to widen its important work for your & your family's richer, healthier & safer future.
Two ways to donate:
(1) Mail any size of donation in any currency as paper money to:
STAF, Inc., P.O. Box 1555, New York, NY 10163-1555, USA.
Inside the envelope enclose your name & email address - STAF, Inc. will email you a tax deductible confirmation receipt.
(2) Use your credit, charge or debit card to donate - the card donation links at the end of this article and at the top of every page of this website. Your card record or card invoice is your donation receipt.
At the very end below & at the beginning above of this presentation the card links.
Below you can also view the less publicly known facts how donating is beneficial to the donator, to you.
Fully 100 % of the donations will be used for STAF, Inc.'s help operations in reducing sickness & promoting healthy lifestyle nationwide & worldwide.
At the very end of this whole presentation you can view the less publicly known facts how donating is beneficial to the donator, to you.
We at STAF, Inc. want to know how you expect STAF, Inc. & this advice website,
in a longer run, to improve your & your family's life, or how it already has improved your life.
Let us know in your donation letter.
Listen to STAF, Inc.'s popular Radio Shows - you'll get free CEU & College-University credits nationwide or worldwide.
Visit STAF, Inc.'s extensive website - (click) www.staf1org.weebly.com
or search the internet with:
"Save The American Family - STAF, Inc.- Home" - (one 'F' in STAF, Inc.).
Respectfully,
Christian von Christophers, Ph.D., N.D., D.D.
STAF, Inc.'s President
Founder of Successology ® (Reg.U.S.Pat.Off.1991)
- The new science for the GOOD LIFE -
________________________
Next below:
Annex for added information
________________________
Want to get deeper knowledge &
become a professional ?
Public Health professionals are in demand
because it's more widely recognized that our good health
and higher success in life is possible through our own action
A lifetime opportunity
Become a Certified Healthy Lifestyle
Coach© (CHLC)™
Earn full-time or part-time income (1) in your private practice and/or
(2) by leading STAF, Inc.'s public & corporate seminars in the U.S. nationwide or worldwide in any country.
As a public health professional you will ease human suffering, guide your clients to avoid sickness and have good health. As a CHLC™ -professional you will also show how to maintain a happy marriage, how to raise successful children and how to become financially successful, even a millionaire starting only with $50 a month.
When you teach these most important success elements in life you will yourself apply the principles more effectively in your own life and succeed higher than you ever expected.
STAF, Inc. will train & certify you - online or in major cities nationwide & worldwide.
Get more information of this great opportunity - send your brief resume or CV and basic info: (1) country & location(s) where you are available to run STAF, Inc.'s seminars, (2) in what language(s), (3) your education & work experience, (4) links to your online presence and (5) one recommendation letter of your suitability for teaching work
(state the relation between you and your recommendation letter provider).
Inside the envelope include
your (1) postal mailing address, (2) your email address & (3) phone #
Write all material in English.
Mail to:
STAF, Inc.
Dept. CHLC ™ Program
P.O. Box 1555
New York, NY 10163
USA
________
STAF, Inc. is a not-for-profit organization
and needs donations
Perhaps you could include in your resume envelope a donation of a size suitable to you. Your donation will ease human suffering nationwide & worldwide.
The U.S. paper notes preferred as donation but any currency paper notes are accepted.
STAF, Inc. will email to you a receipt for your donation.
www.staf1org.weebly.com
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STAF, Inc. is also in the process
of founding a new University
to provide high-quality education in the public health sciences and in all other STAF, Inc.'s work related science areas - which means: practically all areas of a successful life.
A few examples of the goals the new STAF, Inc.'s University will have.
STAF, Inc.'s goal and its new University's goal is to eliminate the modern killer-epidemics as overweight & obesity, widening smoking in developing countries & drug use worldwide and promote in a new manner nationwide & worldwide the importance of healthy lifestyle & correct nutrition in fighting disease and human suffering.
Also strengthening nationwide & worldwide family ties & traditional marriages to provide a safe, nurturing & healthy atmosphere for our children to grow up, belongs to STAF, Inc.'s and its new University's goals. So do teaching and training every school child to know how to grow financially successful through investments starting only with$50 dollars a month. The financial equality nationwide & worldwide can be substantially leveled for everyone's best in our nation and in every nation worldwide. These are some examples of the new University's goals. The goal is to teach the world to have a better quality of life.
It can only be done when we all start sharing the abundance in knowledge & riches.
The results will be beneficial to the givers and to the receivers. We all share the same planet and its overall health or sickness will affect the rich & the poor, thus affecting us all.
In the new University all degree levels will be available:
Associate, B.A., M.A., Ph.D.
Quotation
Education is
the most powerful weapon to change the world
Nelson Mandela
Click: Nelson Mandela
Former President of South Africa
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www.staf1org.weebly.com
STAF, Inc. needs your donation
*to ease human suffering & turn lives to victory
nationwide & worldwide*
Two ways to donate:
(1) Mail any size of donation in any currency as paper money to:
STAF, Inc., P.O. Box 1555, New York, NY 10163-1555, USA
or
(2) give your donation using your cards - see below the donation button
Relating to donations,
here interesting information not so well publicly known:
Giving donations will affect the giver, you, in a beneficial manner
The 3 statements next below are based on science studies (links given below)
(1) When you donate, YOUR self-efficacy will improve click: Self-efficacy
(2) When you donate, YOU get financially richer
(3) When you donate, YOUR physical & mental health gets better
The proof to these statements in these 3 links:
click: www.sciencemag.org (there click (left side): Abstract or Full text)
Click: Journal of Economics and Finance
Click: Fund-Raising Is Fun and beneficial for the giver
To study STAF, Inc.'s mission statements now for your donation purpose click: mission
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