Home Equity Loans When You Have Bad Credit
If you are considering refinancing your property or wondering if you should get a home equity loan but are concerned about your credit history, don't give up. You could avail of several other options. Even if you have a bad credit history, it is possible to refinance your home or to get a home equity loan or line of credit. The lending industry has established new guidelines that make it much easier t

Putting the YOU in Your E-zine
I get many e-zines in my inbox every week, and they all offer useful information. But there are some I enjoy more than others.What do the ones I love have in common?They feel like they come from a REAL person. These publishers put some heart-and-soul into their e-zines. They share information about themselves. And because I FEEL like I know them personally, I'm more likely to buy from th

Cure Your Debt with Debt Consolidation Loans
Are you troubled with the large number of repayments that you have to make for all your debts each month?Are you unable to afford the monthly payments from within your income resources?Are creditors bothering you with the repeated calls and legal notices to get back their money?Are you loosing your nights sleep because of the stress, and are you anxious to get rid of your debts?d median wages today have fallen back to 1967 levels, according to Department of Labor statistics. The only way for the typical American family to maintain its living standards has been to spend down its savings, double its outstanding household debt since 1992 (after adjusting for inflation), according to The Wall Street Journal, and often send a second wage earner into the workforce.”

Geez, it seems to me that this revelation would be a front-page story in huge, bold letters! I assume that the media would want to scoop such an impactful disclosure and let people know that they are not going crazy after-all! Wouldn’t the media want to write at length about how this shocking fact points to the systemic nature of the personal finance challenges today and not simply to irresponsible consumer spending? Wow, what a story!

But alas, I ask myself: Am I the only one shouting from the rooftop that there’s something wrong with this economic picture and that traveling down the same personal finance tunnel (earning, spending, saving and investing) will no longer produce the desired “cheese” at the end? Maybe so.

I believe it was Albert Einstein who said you cannot solve a problem at the same level it was created. When translated to the search for solutions to financial difficulties faced by so many, it means this: To continue to promote the supposed tried and true conventional wisdom regarding how to earn and mange money in light of today’s economic reality, is pure folly.

New personal finance strategies must intervene to reduce the hardships brought on by the obvious need for increasing amounts of credit use. Without them, the future looks bleak for everyone who does not fall into the top 25%

ation would be a front-page story in huge, bold letters! I assume that the media would want to scoop such an impactful disclosure and let people know that they are not going crazy after-all! Wouldn’t the media want to write at length about how this shocking fact points to the systemic nature of the personal finance challenges today and not simply to irresponsible consumer spending? Wow, what a story!

But alas, I ask myself: Am I the only one shouting from the rooftop that there’s something wrong with this economic picture and that traveling down the same personal finance tunnel (earning, spending, saving and investing) will no longer produce the desired “cheese” at the end? Maybe so.

I believe it was Albert Einstein who said you cannot solve a problem at the same level it was created. When translated to the search for solutions to financial difficulties faced by so many, it means this: To continue to promote the supposed tried and true conventional wisdom regarding how to earn and mange money in light of today’s economic reality, is pure folly.

New personal finance strategies must intervene to reduce the hardships brought on by the obvious need for increasing amounts of credit use. Without them, the future looks bleak for everyone who does not fall into the top 25%

Am I the only one shouting from the rooftop that there’s something wrong with this economic picture and that traveling down the same personal finance tunnel (earning, spending, saving and investing) will no longer produce the desired “cheese” at the end? Maybe so.

I believe it was Albert Einstein who said you cannot solve a problem at the same level it was created. When translated to the search for solutions to financial difficulties faced by so many, it means this: To continue to promote the supposed tried and true conventional wisdom regarding how to earn and mange money in light of today’s economic reality, is pure folly.

New personal finance strategies must intervene to reduce the hardships brought on by the obvious need for increasing amounts of credit use. Without them, the future looks bleak for everyone who does not fall into the top 25%

iculties faced by so many, it means this: To continue to promote the supposed tried and true conventional wisdom regarding how to earn and mange money in light of today’s economic reality, is pure folly.

New personal finance strategies must intervene to reduce the hardships brought on by the obvious need for increasing amounts of credit use. Without them, the future looks bleak for everyone who does not fall into the top 25% income bracket. Read my lips: Debt slavery will become “normal”. For many, it already has.

What’s more not only are Americans today making 1967 level (adjusted for inflation) median wages, but in 2005 they also spent 39 billion more than they earned! (Wall Street Journal, January 3, 2006) When these two recent statistics are put side-by-side, the writing on the wall becomes even harder to miss.

That being true, I’m thinking these stunning disclosures will never become the stuff of a top story because those who collect the interest on your payments want to keep it that way! They are happy campers who spend lots of advertising dollars to secure the way you think about wealth. Ultimately, you have to ask yourself: Who benefits from CitiBank’s “Live Richly” campaign anyway?

Martin Luther King once said, “When the slaves get together, that’s the beginning of getting out of slavery.” To that, I add: When the debt slaves get together, that’s the beginning of getting out of the debt-based lifestyle.

Any takers?