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Archive for the 'Free Read' Category



Lynda Rees: GIVE ME CREDIT . . . ! (Giveaway)
Monday, March 11th, 2019

This world revolves around a spending system tied to credit. We depend on it one way or another—even if we just obtain a credit card to book rental cars, hotels and flights.

Credit is when someone or an institution lends money. They don’t do this out of the kindness of their hearts. They do it to earn profits, and they intend to be paid back with interest.

To obtain credit, one must have something of value to use for collateral. If you fail to pay the loan as specified, they take the collateral, liquidate it and collect the funds owed.

Even if you have collateral, you may not be credit worthy. Credit is given based on your financial ability to pay. You must show proof of a source of legal, steady income. You must have a clean record indicating you pay debts on time.

How do they find this out about you? No worries. Data is available and easily accessed about your spending habits. When you apply for a loan you are required to allow the lender to check your credit rating. What is that?

Credit rating is a method of establishing, for the marketplace, your ability to buy. It measures your income minus debts and creates a debt ratio. Lenders, especially mortgage brokers, require evidence of a pattern of savings and an established emergency fund. They also want to see a record of payment for present and past debts on time and in full.

Over and above the portion of your income needed for living expenses, you should not be leveraged (have liens) over an established ratio of your income. If you owe too much, it is assumed you will have difficulty repaying obligations. If your income vs. debt ratio is too high, your credit rating is very low. This affects your ability to obtain a loan.

If your credit history shows payment problems, but you are approved for a loan, you will likely get a higher interest rate because you are perceived to be in a situation where you may default on the loan. In other words, they make you pay more, because you are considered a poor risk. This costs you lots of cash over the course of the commitment.

Lenders seek buyers with high untapped borrowing power. If you owe very little, it is a good thing. If you have a steady, substantial income and are barely leveraged, you are a great risk. Your buying power is worthy. Your credit rating will reflect this in a high rating.

Credit ratings have become more important over the last few years than ever before. They affect not only your ability to buy a home and vehicle, but other things as well.

Employers check credit ratings, with the assumption someone with a bad rating may be frivolous or careless and will be a poor employee. Insurance companies base premiums on car, boat, home insurance on credit ratings, figuring the same thing. If you are careless with money, you will be careless with possessions. The more responsible you are, the greater your chances at the job you want, and your insurance will likely be cheaper. Many people check credit ratings before accepting dates or marriage proposals, so it can even affect your love life.

Three main bureaus collect and report data for the financial world. This gives lending institutions perspective to determine financial risk and whether they should lend you money. They collect late and less-than-full payment, repossession and default data reported electronically by lenders.

Data is submitted by name or social security number. Names and numbers are similar, so there is room for error. For instance a father and son with similar names can have drastically different financial situations, but can easily be mixed up. If you’ve been turned down for a loan, you have a right to a free credit report. Errors should be disputed. There are ways to work with the bureaus to correct mistakes. It is your responsibility to ensure your report is accurate, and for good reason.

Most lenders use one or all three of the below three main credit bureaus to learn about your financial status.

Experian, P.O. Box 2104, Allen, TX 75013, 1-888-397-3742
Equifax, P.O. Box 740241, Atlanta GA 30374, 1-800-685-1111
Trans Union, P.O. Box 1000, Chester, PA 19022, 1-800-916-8800

Paying bills in full, on time or early and never missing a payment can help you keep a clean credit history. This is essential to build financial security and help make your dreams come true.

NOTE FROM THE AUTHOR:
I hope this information has been helpful and you enjoy my work. Let’s become life-long friends.

Lynda Rees Love is a dangerous mystery

ABOUT THE AUTHOR

Lynda Rees is a multi-published historical and suspense award-winning romance author. Freckle Face and Blondie is a children’s suspense, middle-grade, co-written with her ten-year-old, author granddaughter, Harley Nelson. Lynda has published two suspense novels about descendants of mobsters—God Father’s Day and Madam Mom. Her 2016 award winning historical novel Gold Lust Conspiracy depicts a woman’s struggle during the savage 1890’s Alaskan Gold Rush. Parsley, Sage, Rose, Mary & Wine, is Book one of The Bloodline Series and a 2015 and 2017 Golden Heart and RITA finalist.

The Bloodline Series, consisting of the following books, is set in Kentucky horse country. They are:
Blood and StudsHot BloodedBlood of Champions
Bloodlines & LiesThe Bloodline TrailHorseshoes & Roses
Real Money and The Bourbon Trail are due to launch early 2019.

GIVEAWAY: Get these fine books and join Lynda’s VIP Group for specials, news and freebees. Use these links. Send her an email and request a FREE Goal Setting Planner.

Amazon: amazon.com/author/lyndarees
Website: http://www.lyndareesauthor.com
Facebook: /lynda.rees.author/
Twitter: /LyndaReesauthor
Pinterest: /lyndareesauthor/pins/
Email: lyndareesauthor@gmail.com
BookBub: www.bookbub.com/profile/lynda-rees
Join the VIP Group:

 

Shannon Nemechek: Spring is springing SOON (Hopefully)
Friday, March 8th, 2019

Spring is just around the corner, right? At least I keep telling myself that. I recently decided that I would update my wardrobe from hoodies and jeans to something. Little more dressier. So I thought it would be cool to order one of those subscription boxes Stitchfix. So I ordered my box and got it about a week later. I will say I was not disappointed, but I will say I spent more that I would’ve at Walmart. Ha ha

They send 8 pieces and I kept 2. And spent $145 more than I would’ve usually but I really do love the shirt and pants.

So my question for you is what is your plans for Spring?

Spring and Summer I have a lot of great things coming your way. One of which is a box set I am part of called Sweetest Obsessions with a brand new book.

So for ONLY .99 CENTS you can Pre-order on Apple Books, Nook and Kobo!

Ready to meet your next book boyfriend? There’s something for everyone, with 23 drool-worthy heroes in this sizzling collection.

Variety is the spice of life! Find your new sweetest obsession in this collection of over twenty sweet and scorching tales.

Don’t deny your sweet desires. Which one will be your sweetest obsession?

Steamy. Scorching. Sizzling. Which one will be your sweetest obsession?

https://books2read.com/SweetestObsessionsBoxedSet
https://www.subscribepage.com/SweetestObsessionsBoxSet
https://www.goodreads.com/book/show/44020728

Follow Me on…
Shannon Nemechek, SGT, US ARMY Retired
& Author of A Warranted Series
Website~www.shannonnemechek.com
BookBub~ https://www.bookbub.com/profile/shannon-nemechek
Facebook~https://www.facebook.com/srnemechek

Reminders! FREE Read & Prize!
Tuesday, March 5th, 2019

Don’t forget! These two offers are still open!

  1. Flashback: Hard SEAL to Love (Contest–2 Winners)
  2. A Giveaway! Get your free book now!
A Giveaway! Get your free book now!
Sunday, March 3rd, 2019

Get your copy! This offer won’t last long! Pick up the first story in the Uncharted SEALs series, Watch Over Me! 

Here’s what the story is all about…

Watch Over Me

When Deke Warrick accepts an unsanctioned detail to keep tabs on a congressman’s niece while she vacations in the Caribbean, he expects the only dangers he’ll face are sunburn and a rum hangover. Determined to keep his distance, his resolve is challenged by a chance encounter with the beautiful Nicky Martir—and then shattered when she’s snatched from their hotel room.

Get your FREE COPY here!

Reminders! Two open contests, one giveaway!
Friday, February 8th, 2019

I’ve had my head down, pushing through three editing jobs over the past three weeks—but they’re all done! Whew! Tomorrow, I get to start on a new project! I’ll be staring at that blank page and writing and rewriting that pesky opening sentence. I swear I could write three or four chapters in the time it takes me to write an opening scene!

Anyway, I’m tired and ready to put my feet up in front of the TV. I think I have some Chicago Fire episodes saved. Need me some Severide! Here’s hoping you have a relaxing evening as well!

Reminders, before they’re gone!

  1. Get your FREE story!
  2. Flashback: Between a SEAL and a Hard Place (Contest–2 Winners)
  3. Cover reveal for STRANDED! Plus hints of what’s coming! (Contest)
Get your FREE story!
Friday, February 1st, 2019

UPDATE: This giveaway has ended!
*~*~*

Just because, here’s a free story.
Click on the cover to claim your free copy!
Enjoy!

The Morning Ride

 

J. A. Dennam: That Memorable Romance (FREE Read)
Monday, January 7th, 2019

How many of you have been shut up with a kiss? I, for one, find this terribly romantic. Us women tend to rattle on when we’re nervous, and I like a take-charge kind of guy who grabs an opportunity to move forward. End our misery. Show us how much they adore us despite our tendency to leak words under pressure. Have I ever been shut up with a kiss? Yes. It was a first kiss and kind of sloppy. I was young, he was hot, and I didn’t mind the mess because I was too relieved that I didn’t have to find another subject to talk about. I guess my story isn’t the type we romance writers put in a book, but the concept makes my heart go pitter-patter. When I see it in the movies – *SWOON*!

As I write this, I’m thinking back, trying to remember if I ever put a kiss like that in one of my books. Of course I did, but I don’t think it was a first kiss, more like a feverish “shut up and admit we belong together” kind of moment. I love those, too. I wonder how many of you will read this and internally point out the ones you’ve read (or experienced) and remember.

And so we segue into my books that are either free or on sale. For those of you who don’t know me, hello my name is J.A. Dennam and I write contemporary romantic suspense. My Captive Series is a reader favorite. Book 1, Truth and Humility, received a 5-star rating from Coffee Time Romance. Book 2, Between Faith and Fear, is now on sale for .99 until January 31st. Book 3, Crystal Mac, is FREE when you sign up for my newsletter (link to my website below), and book 4, Hell’s Hilltop…okay, you’ll have to shell out the full $4.99, but when you’ve read the first 3 books, you WILL NOT want to miss the fiery conclusion to this steamy, action-packed series. If you like cozy mysteries, you won’t find one beneath these covers. My Captive Series characters are tough, sexy, and they most definitely take prisoners. 😉

Be sure and visit my website at http://www.jadennam.com to sign up for my newsletter and get your free book! It’s also the best way to keep tabs on my special offers, promos, and new releases like Flesh of Innocents, coming in March. Hope to hear from you soon!

J. A. Dennam
JADennam.com