Keep Your Money!
The insights of Credit & Debt:

 What you have to know –
what you need to avoid

There are about 45 million Hispanics in this country with annual purchasing power of more than $700 billion. Yet the American dream can often turn into the American nightmare simply because English is not their first language when they’re routinely ripped off or misled on credit issues, borrowing options or frequent treatment by lenders.

But knowledge is always power. Keep Your Money! by borrowing smarter and asking the right questions BEFORE you sign:

Who to ask
Where to borrow
When to get another opinion
What debt traps to avoid
Why it’ll save you thousands of dollars in interest

George Boelcke is President of Vantage Financial, a member of the Credit Institute and the Association of Finance & Insurance Professionals. Through frequent media appearances, speeches, books and over 25 years’ of experience in credit and finance, George has taught thousands of people the insights to borrow smarter and pay it back quicker.

Sample Translations from the book...

Pg. 6
Even in the short time it takes to read the sections of this
small book, you will have more knowledge and
understanding of credit and debt than the majority of
consumers. Yes, others have learned some of these
insights, but chances are, they’ve often discovered these
lessons the hard way – through trial and error.
Unfortunately, they often see too late what they should
have known, questioned, or avoided. “If only I had known
before…” is never good, and will almost always be a very
expensive way to learn what to look for or avoid when it
comes to borrowing choices and the debt it creates.
But this book is not available in stores. It is a limited
edition print, designed as additional material, further
insights and many more tools that I am able to share in
the odd speech and during many of my weekly radio tips.
So it is likely that you were borrowed this copy by
someone with Primerica Financial Services who actually
cares about your financial success and wants to teach
you the tools to borrow smarter and less, save more, and
reach your financial freedom date way sooner than you
ever dreamed possible.
If you’re reading this, and you are already with Primerica:
Thank you for what you do for so many people in your
community. After all, if you don’t keep teaching others
and helping families – who will? Any company whose
mission statement includes “helping families become
debt free and financially independent,” deserves special
recognition, all the help and encouragement, a lot of
business and all the help I can give!
Last year I published a book called: It’s Your Money!
Tools, tips & tricks to borrow smarter and pay it off
quicker. It is an easy to read comprehensive how-to book
on every type of consumer credit, ranging from vehicle
financing to mortgages, credit cards, and SMART, to your
FICO score. Unfortunately, to translate that full book into
Spanish has little chance of selling enough copies to
justify the costs. However, before you ever borrow again,

Pg. 9
Never settle for sub-prime interest rates without getting at
least two other quotes. A congressional hearing a few
years ago revealed from a national lender that 19% of
their clients paying sub-prime mortgage loan rates had
FICO scores greater than 660! Another 22% had scores
in the 620-660 range. Almost none of these should have
paid those higher rates. But it’s never the lender who is
going to point this out. It’s always up to you to shop
around, get informed and NEVER settle for the first
answer.
Even more infuriating is that these figures included 23%
Hispanic borrowers, a segment of society that often gets
taken advantage of. Latino borrowers often get ripped off,
there’s no other way to describe it. They are:
2 ½ times more likely to get a loan from sub-prime
lenders
Turned down 18.4% of the time vs. 10.9% for white
applicants
2.7 times more likely to pay higher interest rates
Twice as likely to refinance with sub-prime lenders
In fact, here’s where sub-prime lenders get their business
from according to the Center for Responsible Lending):

Never stop asking questions,
sign quickly or go quietly.