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Debt is like a plague that eats your hard earned money faster than you can earn it. You work for your bills and your bills take everything you work for. Soon it becomes a stressful vicious cycle that makes people bitter and angry. Your outlook becomes bleak; you see no happiness in your future.

For most, debt becomes so overwhelming that choices are made irrationally and impulsively. People begin to refinance bad consumer debt into their home equity which starts a never ending cycle of consumer debt-itis. Simply put a snowball effect that will overextend your resources well beyond your capabilities.

In fact more consumers start off with a 30 year mortgage and end up with a plan that extends out over 65 years or more. You see every time the refinance  is completed the amortization clock starts over. Your creditors have a plan to keep you in debt for as long as possible. I know this since I am in the mortgage lending business. Refinances are essential for many loan officers since that is our bread and butter. Many loan officers are unfortunate that client loyalty isn’t always key to their needs it’s the spur of the moment for many.

As you have seen when creditors stop lending the entire world feels the pain. Money makes the world go round and there is no denying it. You’ve heard the saying “Money Talks” or “Cash is King”, no one ever mentions that credit is Queen. Credit goes hand in hand with cash. Preferably credit is safer to use and easier to get your hands on if you know how. The biggest problem then lies with when to use and when not to use credit.

Our entire nation is build on debt, our Government has a National Deficit due to it’s spending habits. If anyone needs a bail out plan it’s our deficit. The commonality of our National Debt and the little guy/gal is that we too are in a deficit. Sure the proportions are much different but the fact of the matter is the same. If you don’t control your debt it will eat you alive.

We the people don’t have campaign contributions and tax payers to offset our spending. WE instead have a bankruptcy system that ruins our good name for over a decade, even two in some cases. Along with that we are banned from receiving good credit for years even if it was just a point in life that went unexpected. Our finances can very easily consume us if we are not careful.

This is where an plan of action, determination and some proprietary software comes into play. You see not everyone has the desire to fix their financial problems and those that do are usually upside down with their finances and can’t afford any type of assistance except from a governmental agency, or a charitable cause.

Developing a snowball effect on your bad debt is the fastest solution to put you into motion on a mission to eliminate debt from your life and have a certainty that your goal will be reached on a specific date. As the snowball rolls down the mountain it gains both mass and momentum; an unstoppable force if left unchallenged and unobstructed. Remember in the old Looney Tunes Cartoons where the snowball ran over Wiley E. Coyote?

The principle is the same, plan out your debt in a fashion that will execute a growing effect of debt reduction, interest reduction, and principle reduction in the shortest amount of time possible. The important factor is to remember is you’re building a momentum, staying in your budget is critical to your success.

You can’t reduce when you over extend your income, Why implement a plan when it will strap you. Instead you need a team of advisors who will keep you on track, maximize your momentum and provide you with a date of debt elimination. Once you have that established you will also need to have another date penciled in; your cash millionaire date. You see the whole idea behind credit interest reduction and debt management is to become debt free.

While you are in transition you need to also become financially independent, having the means and where withal to go from debt ridden, strapped, stressed to comfortable, self reliant, motivated, energized and happy to receive a paycheck; because now not only do you get to save more of it you actually can take a vacation or sick time and not have to worry that the sky is falling anymore.

Take the initiative to take control of your debt, plan to eliminate it once and for all. Gain control of your life and start enjoying life like you used to when you were younger and responsibility wasn’t a word in your vocabulary. Take charge of today for a better, brighter and more abundant future than you have ever thought possible. Learn to maximize and protect your wealth by applying these simple and effective methods into your life

• When it comes to debt settlement what's the best method Have you considered using a debt settlement company for your over leveraged credit lines? What's the best method, service provider and option for you as a consumer? These are questions that many people should be asking before they answer an ad for a company who “specializes in debt consolidation.” Many......
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• What credit card companies and credit bureaus don't want you to know Sounds funny that your credit card companies and the credit bureaus share some trade secrets that are actually in place to do you more harm than good. For example many credit card companies wil extend you credit even if you can't really afford it. When you apply for credit the......
• What's the cost of financial failure What's the cost of financial failure? I had never given this a thought until I had experienced financial hardship in my own life. People never give reason or rhyme to why they have served themselves a bad deal. When financial crisis occurs you wouldn't even begin to imagine the costs......
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• Learning the Basics of Money Management For many people, the prospect of money management is just too much to handle. Nobody really enjoys being a bean counter, and if you're spending too much and having a good time doing it, money management may be the farthest thing from your mind. However, given the state of the......
• a portfolio for managing your financial life online Today's post is from financial expert and Credit Karma CEO Ken Lin. Prior to Credit Karma, Ken built predictive targeting models based on credit data and profitability metrics for Partners First. At the time, Partners First was a top 25 Credit Issuer. 5 favorites – A Web portfolio for......
• Money Management During Tough Financial Times Personal money management can absolutely be a challenge, especially when you are tight on cash. Payday never seems to come in time, and your pockets probably feel empty long before the bills have all being paid up. Here are some basic but essential tips for money management that can help......
• Learning Basic Money Management Skills Whether economics is your idea of a great way to fight insomnia, or you just didn’t get the benefit of learning about money management early on, it is never to late to learn the basic skills of proper money management. We highly recommend taking a brief course on finance if......
• Getting Out of Credit Card Debt; You Can Do It! Getting out of credit card debt can seem like an unrealizeable goal. Credit card debt can cause massive stress. Imagine a life without that debt. Can you see it? If you’re like many average families, you may have a hard time getting a clear picture. Many people have been making......

Identity theft it happens all too often in this country. I heard this story from a close friend of mine a few years ago. It blew my mind away to learn just how far people will go to harm another. No there was no domestic violence or beating, no gunshots fired or a knife inflicted wound. Just a simple four word statement that would alter his life forever; “She stole my wallet.”

You see when she took his wallet in the course of the night her plans were laid out clearly. He was an affluent man of his community, a well respected entrepreneur and philanthropist. One night would prove him wrong and change the course of his life to a direction he had never imagined. From innocent to villain in 2.5 seconds flat.

Identity thieves are all around us. Scouring evidence from improperly disposed of medical records, purchase receipts, DMV databases, pre approved credit offers and so many other areas of your personal life that you wouldn’t have a chance in hell of competing with their cunningness. Identity thieves are out on a mission to steal your good name and forever ruin your ability to grow your credit or personal wealth by destroying everything credible about you.

In search of new ways to elude the peace keeping community and hide their corrupt identities behind new ones; think about it, a total protection plan for the criminal. Your good name stolen, funds and credit card charges racked up against you with no one else to blame. Our law enforcement officials are looking at you as the felon or co-conspirator in the event.

Most people think that their identities are safe because they stopped all of the junk mail to their personal residences, yet they are unaware of all areas that their identity’s can become affected. Let’s take a look at some of the ways your at risk…

1) Department of Motor Vehicles

Identity Thief could get a license in your name and accumulate tickets in your name. You could end up with a warrant issued for your arrest, as the identity thieves do not pay fines due nor show up for court to plead their violations.

2) Social Security Identity Theft

Identity Thief could use your SS# for employment or start business and you would be responsible for the tax bill. This has been a problem for some applying for work and finding their social security number is already working there at the business. A frequent cause is when illegal immigrants are sold Social Security numbers and fake ID cards to gain employment.

3) Medical Identity Theft

Medical identity theft occurs when someone uses a person’s name and sometimes other parts of their identity — such as insurance information — without the person’s knowledge or consent to obtain medical services or goods, or uses the persons identity information to make false claims for medical services or goods. Medical identity theft frequently results in erroneous entries being put into existing medical records, and can involve the creation of fictitious medical records in the victims’ name.

4) Criminal Identity Theft

Identity Thief could use your information to commit crimes, escape fines or jail time. You could be issued a warrant for your arrest for these crimes or fines not being paid.

5) Financial Identity Theft

Identity Thief could use your information to get money, goods or services leaving you responsible for the bill. This could be anything from new credit cards to new lines of credit issued in your name. Please note the Schedule E of liabilities covered by your bank that pertain to credit cards has a sixty day window. After that period, they are not legally obligated to reimburse any monies lost.

So when she took his wallet he was exposed to financial identity theft, social security identity theft and DMV identity theft just from a wallet. Now having all of this information the other areas of identity theft are wide open. So you see although his decision to have a quiet night out on the town turned fruitful for his evening when Mr. X woke up the next morning it was the worst nightmare in his entire life.

His credit cards had all been maxed out, a car had been purchased in his name and subsequently wrecked that same morning. Now who gets the bill for the damages? You guessed it; Mr. X. he was rudely woken from his slumber by a local Police Officer wanting to arrest him for a hit and run felony.

After a long and uneventful stay at the local Police Station Mr. X.’s Attorney finally arranged for the release of his client. This wasn’t the first time Identity Theft had been a problem in this community. Fortunately there was a lead on the case while Mr. X. had been in custody the thieves struck again at a local bank who immediately notified the armed guard and they took the perpetrator into custody.

Mr. X has been trying to untangle the web of debt from thievery and clear his good name but the process has been long and tedious. In keeping short and to the point if you think you’re out of the woods because you have poor credit or no credit think again. It’s not just your financial status thieves are after. It’s any aspect of your identity you can have exploited.

As long as the blame can have the finger pointed in a direction away from the real criminals you are still their best target for their defense. You need a shield to protect you from them. Your identity is everything to employers, education systems, financial institutions and more. I know you can see the importance of protection for you and your family. My question is who can you trust?

You need a name you can count on with a guarantee that will stand in your favor if the chips are down. A company that provides you not only with monitoring of your identity, also with a one million dollar guarantee that if your identity becomes stolen while you’re a customer they will pay to restore your identity to it’s good name. With that said know that all companies are not created equal. Learn to Maximize and Protect Your Wealth

• Organizing your daily financial routine Wealth it all starts with a concept, the challenge is making the mind choose from the heart. I know this may seem funny at first but you will soon realize that your actually doing it. You see when you make choices they always come from the heart first, then the......
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• Credit crunch or credit chaos what does it mean for you Chaos is in the air all around us, economic crisis, mortgage industry meltdown, global markets in turmoil and in the midst of change and economic change and recovery action plans another crisis is underway. While our country is amidst change our credit card lenders, mortgage lenders and banking systems are......
• How to Protect Your Identity During the Holiday Season Holiday cheer is all around us and winter is in the air, we feel the chill of the season and the happiness of the time of the year. No matter where we go it’s hard to hide from the fact that it’s almost Christmas time. With mistletoe and lit......

• What Is In Your Credit Report? Although every one of the credit reporting agencies is going to format and then report their information in a different and unique way, all of the various reports are going to contain basically all of the same information and categories. Your SSN or social security number will be listed, along......
• My Life as a Volunteer Tax Preparer - Ch. 2.2 This week's volunteer visit to the Tax-Aide office was different from last, in that each of the three taxpayers I worked with was new to our office. That made a little more work fro me but also allowed more time to hear their stories. It's amazing to me how willing......
• U.S. Postal Service Has Advice On Avoiding Identity Theft. While I would say one of the top ways of avoiding having your identity stolen would be to stop sending snail mail, the U.S. Postal Service has ironically sent out a letter to everyone about identity theft. They say they have partnered with the Federal Trade Commission in spreading the......
• Your Credit Report – What’s in It? Your credit report is a valuable tool in your financial arsenal. Your credit report could help you negotiate a better rate on a home mortgage. In addition, a copy of your credit report could be your first clue if you’ve been the victim of identity theft. The first step in......
• Thirteen Ways to Prevent Your Identity from Being Stolen The United States Postal Service recently produced a brochure for consumers to read entitled "Fighting Back Against Identity Theft." The US Postal Service reports that 2% of identity theft cases reported are because of some form of mail fraud, and have come up with 13 ways that anyone can use......

When you need advice you need it fast, phone book ads state free consultations with an attorney near you. You make the call, set the appointment only to find out you have 10 minutes and 3 questions. You spent hours building your list of questions, preparing to take thorough notes hoping to solve your issue without having to pay an arm and a leg.

Your 10 or 15 minutes of fame is suddenly cut off with the words you fear most, “We can help you with your legal matters it’s going to cost $XXX.XX/ hour. You sigh knowing that you can’t afford the services and feel like the whole event was a waste of your time as well as theirs. You read in the local phone book or paper about free legal aide and again you prepare for the meeting to find out that your needs cannot be met since this is a county sponsored event.

You scratch your head, look bewildered and feel frustrated beyond all belief. You’re getting no where. You have a friend who is an attorney and you seek to go plug him/her for the info you need, you set up lunch at a nice place and put your best foot forward. Your colleague arrives and catching up soon begins. As you go for the one off approach to slide your way into your request your associate smells it coming and stops you in your tracks.

They tell you this is not a business luncheon and you’re not a client so stop before you embarrass yourself. You silently whimper to yourself as you hold back your emotions. All you can think of is the fact that you need help, you need it now yet you can’t afford the expense. What do you do? If you only had access to attorneys by phone so you could solve your issues or at least get access to them in the privacy, comfort and convenience of your own dwelling.

The problem is that many of the major “discounted legal plans” have attorneys who aren’t worth their weight in salt or don’t care about your out come. The intake people don’t seem to want to give you the support you need or even seem to care that you’re a real human being with needs of grave importance. Their only concern is when their next break, lunch or time to go home is happening.

Again you feel like you have been ripped off. You need piece of mind, experience and commitment to satisfy your needs. There are a few plans who offer experience, proven results as well as client satisfaction. Where do you find them? How do you make contact with them? These are all secrets unless you have the insider information.

Most of which is attainable from outside sources, you know sources outside you reach. What if all you need are simple things not involving legal court representation, or major counsel then discounted services are the way to go. All the attorney support you need at a fraction of the cost. Also many offer incentives to join their association; free services, some steeply discounted services and discounted legal representation.

The weight of these benefits more than justifies the association costs, although what if a membership could offer more than legal services would that be of interest to a consumer or a professional seeking change and advice. What if you could access every facet of your financial well being in the same membership package, asset protection, financial advice, debt and equity management, identity protection and a service guarantee just for starters.

Not all service companies are created equal. Many are one dimensional and lack the appeal or know how to prevent certain aspects of your life from being exposed to risk. You hear it al of the time at the office “it’s not my job or responsibility.” That’s how you feel when you use many discounted services. In fact I have seen many of these fly by night companies make peoples lives more vulnerable to risk that need be.

You owe it to your self to be informed. Get involved in your life and take responsibility to make a change, never leave your options up to a good pitchman cover your basis and get multiple inputs before you decide what your best course of action is.

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In today’s economic conditions death seem to be the only way out for many consumers who are consumed by over whelming debt. Although bankruptcies are up in filings for the third year since reforms went onto effect many consumers feel that their options seem hopeless yet they still plug on through the daily grind. For many alternatives such as the housing bailout seems like it’s to strict on its guidelines or to ambiguous in its terms to clearly point out the pitfalls and loopholes used to gain the upper hand in the situation by the mortgage lenders.

While we are in these turbulent and chaotic times we need to keep out wits up, our spirits high so we can see clearly through the stormy and uncharted waters of our financial status. For many it’s all or nothing, the fight seems hopeless will I ever survive? Lawyers go for blood and prey on those challenged in tough times. Are they really giving you the best advice for you or for them?

If you have ever had to seek counsel for filing a bankruptcy you know it’s a gut wrenching and sickened type of feeling. You know you’re in for a life long time of hurt and suffering. However if you’ve exhausted all of your options and you can’t take the pressure of your creditors calling and demanding terms you are unable to afford then you need to seek shelter.

Seeking shelter doesn’t mean go hide, change your address and telephone number it means legal protection for you as well as your sanity. Stop the annoying creditor phone calls; get the debt goons off of your back and regain your sanity back to a time when life was a bit easier and more joyous for you.

Although finding an attorney who is both ethical and sensible to your needs is often an oxymoron in the true sense of the meaning of the word they do exist. When in doubt seek them out. This is when having direct access to a professional organization of seasoned attorneys who are both smart and compassionate to your needs is essential.

We’re not suggesting you seek out a well known discounted legal firm or county legal aid for your personal or commercial situation, we’re merely suggesting you have access to a knowledgeable professionals so that if you don’t like the individual your dealing with you have a back up or two or even three.

Consultations are usually free and can be very informative, although some firms may have a hidden agenda to get your commitment on the dotted line; don’t sign anything until you get all of your facts answered and you feel that bankruptcy will have your best interests covered.

If you have not sought out financial counsel this may be up your alley instead. Remember a professional’s whole status depends on the not only the advice given but the business received. Having a selection of more than one professional can make the difference in your outcome financially as well as mentally.

Get the facts you deserve and never jump to a conclusion, instead rely on a trusted group of professionals dedicated to your overall success, not theirs. Remember no matter where you are today there will always be a brighter tomorrow. Learning the options, facts and different solutions for you are your responsibility. Seek out a close friend or family member even a co worker if you have this type of rapport with the individual; ask them about their experiences and pitfalls.

Ask them about personal triumphs then ask them what advice you might need when consulting with an attorney. Once you have scoured your inquisitiveness and come up with questions you are now armed to tackle the interview. You’re confident and sure about your needs and desires.

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• Rolling your IRA or 401(k) into Real Estate When it comes to getting a handle on your retirement your first priority would be to roll your IRA or 401(k) plans into a truly self directed type of account. One that let's you handle all forms of investments...real estate, stocks, bonds, mutual funds and any other form of......
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• A Lesson In Life by Wesley Crites Life gives us many hard lessons, but the hardest one of all is the passing of a true friend.  Harder still is helping load him into the unceremoniously gray van.  The hardest yet will be helping to carry his coffin, but things can be learned from this tragic time.  The......
• Got Financial Questions? Ask The M-Network! Today is the start of a new feature from all of us at the M-Network which is called "Ask The M-Network". This new feature will allow (and encourage, hopefully) our readers to submit personal finance questions to any of the M-Network members using our contact forms. (Here is my contact......
• MonaVie Sends a Second Cease & Desist On Friday afternoon, MonaVie sent Corey Whitlaw an "official-ish" Cease and Desist Order (CDO) to my Lazy Man and Money e-mail address on the basis of his use of their trademark in my metatag keywords. I had an idea that the CDO might be coming. MonaVie had publicly tipped their......
• How to Claim Bankruptcy At the risk of stating the obvious, claiming bankruptcy is a process not to be taken lightly. Bankruptcy is the last option that should be considered due to the potential negative affect it can have on your credit and financial future. In fact, if you decide to file, the bankruptcy......

It is true that bankruptcy laws have changed in recent years 2005 to be exact; these new laws make it difficult for some filers to obtain a chapter 7 bankruptcy. Yet congress has not eliminated bankruptcy for the little guy they have made the debt elimination of a chapter 7 relief more difficult to attain. Instead a chapter 13 or reorganization or repayment restructuring is usually the case.

Filings are up and for many this is unfortunately the way to go. Bankruptcies are not a short term fix; they have the ability to destroy your good name for years to come. Even when you have gone through your time period of seven or ten years waiting for the bankruptcy or more commonly known as a bk. to drop off of your credit record report you still must legally state on credit applications that you did file for one.

If you do not technically it defrauding the lender, sound familiar? This is part of what led to the mega $700,000,000,000 bail out plan that put our country in a downward economic spiral with no end in sight. Regardless of the state of our nations economy you need to stay focused on your situation. Only you have the knowledge and intricate internal workings of your life.

It’s these little details that will give you the competitive edge; possibly you have an ace up your sleeve. Maybe you don’t need an ace you just need sound solid advice from a trusted professional who isn’t out looking for their next fee instead they are looking out for their clients interests whether they make a buck or not. No matter the case size, length or complexity you deserve a right to know your options.

If you are facing foreclosure maybe you don’t need the stay of a bankruptcy to protect your home, possibly loss mitigation or loan modification will do the job, how do you know if you don’t seek the advice? Can you avoid bankruptcy and snowball away your debt? Can a debt restructuring or elimination plan save the day? Again you won’t know unless you ask. Where do you go to find these solutions you seek? How can I the little guy afford these expensive advisors and why would they want to help me?

I’ve been there, I know these feelings you are going through. They aren’t fun, they aren’t welcome and before you know it… it seems as if everyone around you knows it too. The sad truth is that most people don’t understand what you are faced with and going through. They think your going to bring them down with your ship. Soon close friends are missing in action, family casts you out on your own and the only friends that call you are the creditors wanting to when you’re going to pay.

You can’t do it on your own and live your life too. You need a team of supporters; you need a team willing to go the extra mile; a coach or group of coaches, attorneys and advisers willing to go to bat for you. When your given the heads up every step of the way your able to walk with your head up high. I remember when I filed for bankruptcy, I felt sick and relieved at the same time. Sick due to the added financial burden and relieved from the stress of fighting the rudeness of collectors for my debts.

You simply direct them to kindly speak to your lawyer. Isn’t that nice? Nowadays people don’t have thousands of dollars for these services so this is where the power of leverage comes into play. By using an accredited, professional network of skilled legal eagles you have the advantage that comes from volume. Essentially you have the edge on the game that your friends family and associates don’t.

Attorneys with an average of nineteen years of servitude in their rightful niches, knowledge, alternatives, and historical data to back it up; you need the coaches in your corner fighting with you standing up for you, you also need unlimited access day or night to clear your concerns and your conscience. It’s time to stand up and fight back.

• The benefits of holding off on Social Security Praise the ones who choose to stay active in the workforce and defer the collection of their benefits from Uncle Sam. Just by delaying your immediate withdrawl from the age of sixty two to the age of sixty eight maybe even seventy four you can increase your benefits. Who......
• The perpetual money machine The armor shield of protection for your self and family protection must be impenetrable to enemy forces. A Trojan horse of strength and attack, An M-1 tank in resistance strength, and the agility of an aerodynamic fighter jet, your first line in defense against attack of ones livelihood or......
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• Looking for the Economy's ugliest start of a year in decades? We're in it. You would have to go back to the 1970's to find a year that has started as miserably as this year has done. The first half of the year results were slim at best and the out look onto the next six months doesn't seem to be any better.......

• What happens if I get a raise at work during a bankruptcy? I will probably be filing chapter 7 bankruptcy in the not so distant future. Does anything happen if I get a raise at work after I go bankrupt? Also does it matter if I get the raise right when I declare bankruptcy or when I am released from the debt?......
• Friday inspiration: Getting current on student loans, paying down debt, and changing priorities This is part of a series of interviews with people who are either working to improve their financial situation or who have already reached their goals. This week’s interview is with Jennifer, who had fallen behind on her financial commitments and was beset by late fees. She has since gotten......
• Weekly Thoughts: Helping Haiti (Safely) You're probably well aware by now, but Haiti has been hit by an earthquake.  As is frequently the case with international disasters, there is a silver lining: it's brought out the best in people, inspiring donations and volunteers across the globe.  It's truly wonderful to see how giving people can......
• Auto Makers Bailed Out - For Now The White House announced that General Motors and Chrysler will be receiving $17.4 billion in loans in order to stay afloat. It was decided that the auto makers would not have to file bankruptcy which was at one time thought to be a provision of the loans. What the......
• Holiday Shopping Techniques To Avoid Breaking the Bank It is looking like the upcoming holiday season will be gloomy for many families, given the current state of the economy and continued bad news on many financial fronts. While this may not be a time to go all out with gifts, there are holiday shopping techniques that you can......