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 associated with the devastation.

For instance you have to determine what the financial failure is…A job loss, stock market crash, poor investment choices or no investment choices. What if indirect choices not even associated with finances directly affected you.

Let me try to clear this up a bit you see my choice was to start a business of my own, I worked hard and had my full time job at t he local telecommunications company. After suffering from lack of sleep and advancement in my business I made the choice to quit my day job, my security and financial stability.

This combined with poor well actually no financial management led me to financial devastation. I could deny all of this and base it on something else, yet I would still know the truth. When I made this choice I had no idea of the impact it would have on my life. I knew it would be tough, I just figured it would take me less time to achieve the level of success and wealth I wanted if I could dedicate all of my energy into my business.

It was just one month after I made this choice that my entire world was set upside down. My Mother passed away without warning, suddenly just two days after I had seen her. This rocked my world! My life spun out of control, I didn’t care anymore about anything. I blew over $100,000 of my inheritance on toys and trucks, instead of making the choice to pay my mortgage, my bills etc…

I know this sounds like a big “DUH YOU IDIOT” what were you thinking; and that my friends is my point. Most people don’t think about the choices they make about money. People and I mean almost 90% of the people in America are living in a facade, the truth is that that facade is has been blown wide open.

When local movie and television starts come together to speak out about financial awareness, you know there is a problem. When government spending has caused many a state especially here in CA. To point out their deficits to the tune of billions and billions of dollars you know there are serious neglects on many peoples parts.

Guess who gets to carry the burden of those choices you and I do. Not just our own choices but those choices of the people who we “elected into office”. By the way did you know that government officials don’t play by the rules you and I do. It’s quite obvious if you just read into it.

Regardless if you are in office or not, a Democrat or Republican or what ever other party you are associated with. Every official in politics sets two sets of rules. The one’s we must obied by and those rules they obied by. They are very different sets of rules. As I like to look at it as they are law makers and rule breakers.

Why shouldn’t they be subject to the same rules and regulations that we are? They’re exempt from the laws they put into place. So again what’s the cost of poor financial management. Let’s see your life and livelihood are at stake not to mention losses of housing, stability, family and friends. These are basic necessities that everyone needs.

What happens when you can’t find food or afford to eat, what happens when food shelters send you away empty handed or had out old breads and foods that have been in cans in the back of warehouses for what tastes like decades.

Loss of confidence and self esteem, embarrassment, humility and sense of purpose for life all demise. Depression and sadness rise up and beat you down. Financial insecurity that most people face is a sad and dangerous game to play. Because when the time comes to show your hand usually you loose.

If you have financial hardships you need to seek out the proper help and guidance from trusted professionals and resources. Possibly something as simple as an investment strategy, savings plans, debt settlement or mortgage modifications are all you need.

If your financial circumstances are more demanding then demanding and complex possibly a tax attorney/CPA are something you want to consider. Truly you want to have this type of support at your beck and call 24/7 and with your exclusive membership to Financial Destination Inc. You can have it all. Take the time to educate yourself with options, get involved with your life, join Financial Destination and receive First Class treatment like you have never experienced before.

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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 credit card companies only do a surface check to see if your finances measure up and to check your credit score if you fit in there box you win. A life of debt that you weren’t prepared for.

Debt that seems to grow faster than you can pay it off. Also you win some hidden fine print that states your can make the minimum monthly payment options that include taxes and possible additional charges you were not prepared for.

Next in line is the credit bureaus which were never designed to do anything more than create revenue. These bureaus are a double edged sword, first business that issue credit pay to report your payment and credit obligation repayment This is the first source of revenue.

Secondly these same bureaus who report our financial history also sell our information to other credit issuers to send us more credit offers. This is the second stream of revenue for these giant credit reporting bureaus. Most consumers never realize this and keep on going through life and wondering why this and why that.

Credit is big business and the effect of misuse of credit is dangerous. Just look around to see the negative affects on the economy. We have not seen this type of financial devastation since the great depression of 1929 according to the experts we learn from everyday.

So with this knowledge you can protect yourself by opting out of the marketing lists, using a professional service such as LifeLock to protect your identity and remove you from all of the major marketing channels, removing you from junk mail and opting out. Also LifeLock will place fraud alerts on your credit reports to prevent false issuing of credit to someone other than you.

The main reason we are on these lists is so we can be bombarded by direct marketing companies, credit lenders and other direct sales professions to trigger our impulse in buying. Where else should you get your data from some outside source or the one place that knows your deepest secrets in making purchases.

If you are exposed at your weakest level and the companies who compete are vying for your business than why would I as a marketer want to gather your intelligence from anyone else? I can see where you shop, where you have applied and received credit, where credit was denied and so on.

Take warning that in today’s modern world information is king right up there with cash. Which makes more sense today; robbing one bank or stealing identities and robbing thousands of identities for the same purpose and never leave the comfort of my own living room.

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