l be someone somewhere who will help you find more debt than you can handle. The sad result of increasing debt for those who cannot afford to pay it back is the burden put on those of us who live within our means and end up having to pay the debt owed by those in trouble. This national problem did not happen overnight and we will not get out of it overnight but it is time to draw the line on easy credit in the process force those unable to voluntary reduce their debt to be forced into reduction by strict credit enforcement.

The media is currently in frenzy over the announcement that Bank of America will issue

My tolerance level regarding the ever increasing number of credit counselors is decreasing an an alarming rate.

I am a member of a rather large congregation in what is considered by many to be an upper middle class church. The distinctions granted to lower, middle and upper class means very little to me personally but the comment regarding middle class was used during a presentation by a church member. During the period of announcements we were given a sales pitch by a person who attended one of the many financial university seminars currently in vogue throughout our country. I have no idea who the perpetrator behind the seminar may be but my wife and I looked at each other with our mouths agape while this was being presented. Please do not misunderstand my concern! I am very concerned over the ever increasing consumer debt in this country but I am not prepared to believe there are so many individuals running around with blinders shielding their peripheral vision.

Common sense has apparently taken a leave from our society because we now have to hear from total strangers that we should not spend more than we take in. My fellow church member had us all raise our hand if we owed money to anyone. Naturally 95% of the congregation has a mortgage of some kind including my wife and I. (We paid off a two story 3300 Sq.Ft. home in 1998 after making payment for 11 years.) We built a one story retirement home two years ago and have a small mortgage on our current property but rest assured my wife will have this paid off in a few years.

No, I am not a trust fund kid nor do I make an exorbitant salary. We practice common sense in my household meaning if we do not have the money for something we do not spend it. Both of my children adhere to this policy because it is the way they were taught. Our get rich quite economy combined with the get it now philosophy of consumer spending has evidently blinded a majority of consumers. How do we convince our fellow citizens of the fact that we have no right to spend or to collect meaningless possessions just because we want them? We have no right to an expensive vacation just because they are offered or because one of our friends took one, we have no right to health care, jobs, and housing or freedom if we do not pay the price required securing these sought after things.

Unfortunately, one never ending truth remains......if you insist on looking for expensive toys, vacations and houses there will be someone somewhere who will help you find more debt than you can handle. The sad result of increasing debt for those who cannot afford to pay it back is the burden put on those of us who live within our means and end up having to pay the debt owed by those in trouble. This national problem did not happen overnight and we will not get out of it overnight but it is time to draw the line on easy credit in the process force those unable to voluntary reduce their debt to be forced into reduction by strict credit enforcement.

The media is currently in frenzy over the announcement that Bank of America will issue

r behind the seminar may be but my wife and I looked at each other with our mouths agape while this was being presented. Please do not misunderstand my concern! I am very concerned over the ever increasing consumer debt in this country but I am not prepared to believe there are so many individuals running around with blinders shielding their peripheral vision.

Common sense has apparently taken a leave from our society because we now have to hear from total strangers that we should not spend more than we take in. My fellow church member had us all raise our hand if we owed money to anyone. Naturally 95% of the congregation has a mortgage of some kind including my wife and I. (We paid off a two story 3300 Sq.Ft. home in 1998 after making payment for 11 years.) We built a one story retirement home two years ago and have a small mortgage on our current property but rest assured my wife will have this paid off in a few years.

No, I am not a trust fund kid nor do I make an exorbitant salary. We practice common sense in my household meaning if we do not have the money for something we do not spend it. Both of my children adhere to this policy because it is the way they were taught. Our get rich quite economy combined with the get it now philosophy of consumer spending has evidently blinded a majority of consumers. How do we convince our fellow citizens of the fact that we have no right to spend or to collect meaningless possessions just because we want them? We have no right to an expensive vacation just because they are offered or because one of our friends took one, we have no right to health care, jobs, and housing or freedom if we do not pay the price required securing these sought after things.

Unfortunately, one never ending truth remains......if you insist on looking for expensive toys, vacations and houses there will be someone somewhere who will help you find more debt than you can handle. The sad result of increasing debt for those who cannot afford to pay it back is the burden put on those of us who live within our means and end up having to pay the debt owed by those in trouble. This national problem did not happen overnight and we will not get out of it overnight but it is time to draw the line on easy credit in the process force those unable to voluntary reduce their debt to be forced into reduction by strict credit enforcement.

The media is currently in frenzy over the announcement that Bank of America will issue

congregation has a mortgage of some kind including my wife and I. (We paid off a two story 3300 Sq.Ft. home in 1998 after making payment for 11 years.) We built a one story retirement home two years ago and have a small mortgage on our current property but rest assured my wife will have this paid off in a few years.

No, I am not a trust fund kid nor do I make an exorbitant salary. We practice common sense in my household meaning if we do not have the money for something we do not spend it. Both of my children adhere to this policy because it is the way they were taught. Our get rich quite economy combined with the get it now philosophy of consumer spending has evidently blinded a majority of consumers. How do we convince our fellow citizens of the fact that we have no right to spend or to collect meaningless possessions just because we want them? We have no right to an expensive vacation just because they are offered or because one of our friends took one, we have no right to health care, jobs, and housing or freedom if we do not pay the price required securing these sought after things.

Unfortunately, one never ending truth remains......if you insist on looking for expensive toys, vacations and houses there will be someone somewhere who will help you find more debt than you can handle. The sad result of increasing debt for those who cannot afford to pay it back is the burden put on those of us who live within our means and end up having to pay the debt owed by those in trouble. This national problem did not happen overnight and we will not get out of it overnight but it is time to draw the line on easy credit in the process force those unable to voluntary reduce their debt to be forced into reduction by strict credit enforcement.

The media is currently in frenzy over the announcement that Bank of America will issue

th the get it now philosophy of consumer spending has evidently blinded a majority of consumers. How do we convince our fellow citizens of the fact that we have no right to spend or to collect meaningless possessions just because we want them? We have no right to an expensive vacation just because they are offered or because one of our friends took one, we have no right to health care, jobs, and housing or freedom if we do not pay the price required securing these sought after things.

Unfortunately, one never ending truth remains......if you insist on looking for expensive toys, vacations and houses there will be someone somewhere who will help you find more debt than you can handle. The sad result of increasing debt for those who cannot afford to pay it back is the burden put on those of us who live within our means and end up having to pay the debt owed by those in trouble. This national problem did not happen overnight and we will not get out of it overnight but it is time to draw the line on easy credit in the process force those unable to voluntary reduce their debt to be forced into reduction by strict credit enforcement.

The media is currently in frenzy over the announcement that Bank of America will issue

l be someone somewhere who will help you find more debt than you can handle. The sad result of increasing debt for those who cannot afford to pay it back is the burden put on those of us who live within our means and end up having to pay the debt owed by those in trouble. This national problem did not happen overnight and we will not get out of it overnight but it is time to draw the line on easy credit in the process force those unable to voluntary reduce their debt to be forced into reduction by strict credit enforcement.

The media is currently in frenzy over the announcement that Bank of America will issue credit cards to illegals or anyone without a social security number. I believe this practice is a slap in the face to hard working citizens whether naturalized or natural born but what does BOA have to lose? Should these new cards end up in default the bank will be no worse off because of the high interest charged to those with debt carried from month to month. I would suggest that anyone carrying a high credit card balance think very carefully regarding the interest they pay because like it or not they are probably subsidizing all of those lucky illegals now given the privilege of using credit cards with no credit history.