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.

• Why we dance around the money situation at hand You can look at this in another perspective, why do we dance around the subject of finance, financial stabilization, security, why because it's uncomfortable for the masses. Many people are challenged and distraught about their current state of affairs. Constantly complaining about their situation at hand,yet instead of doing......
• Escape the 9-to-5 and live the lifestyle of your dreams by transforming your life’s passion into an extremely profitable internet business –starting now. Escape the 9-to-5 and live the lifestyle of your dreams by transforming your life’s passion into an extremely profitable internet business –starting now. * Are you thinking about giving up? * Do you experience an increased lack of fulfillment at the end of each day? * Are you frustrated that......
• Wanting to invest into real estate but your afraid of losing your employment More and more people are fearful of job loss with unemployment rates reaching new highs 11.5% unemployed rate it's no wonder people are holding back. We have not seen an unemployment rate this high since 1941 during WW2. You want to take advantage of today's great low real estate prices......
• 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......
• 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......

• 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......
• Signs That Your Teen Needs Money Management Help If you teen went off to college tomorrow, how soon would they call you asking for money? Would they be able to purchase their own groceries by the end of the month? Would they end up moving back into your basement when they cannot afford their apartment any longer? The......
• Free Money Management Tools from Google When it comes to managing our money and investments, creating financial plans, or analyzing our retirement portfolio, I'm all about the free stuff. There are lots of online money management tools around. Google has them as well. I like them because they are easy to use and can be found......
• Money Management Questions and Answers How can money management techniques be applied to my life? - The first step is to realize that you could possibly have an overspending problem. This is the number one reason why people get over their head financially. You can easily consult with a money management counselor that will help......
• Money Management and Budgeting are Vital for Avoiding Financial Disasters Anyone who is worried or stressed out about their finances right now has probably had concern over whether or not their budgeting and money management tactics are working. It is important that you learn how to develop good skills for money management in this day and age, otherwise you will......

I hear this cry from many people worried about their financial circumstances after they have decided that bankruptcy is their only alternative when it comes to recovering from financial hardship. I’m not an attorney yet I work very closely with them in my real estate business.

On many occasions bankruptcy is leveraged to persuade a bank or lending institution to cooperate with a request to modify a homeowners mortgage or reduce unsecured credit card debt. Also bankruptcy is leveraged to stay (stop) a foreclosure. Many times this works as a strategy; although in certain circumstances it’s the only option.

I speak from personal experience when it comes to this, I had to file for personal bankruptcy several years ago to save my home from foreclosure. I figured since I was able to restructure my debt I would be alright. I went ahead with the bankruptcy filing to save my home from being sold at an auction, little did I know this was the beginning of my financial school of hard knocks.

I wound up not being able to make the payments to the trustee of the courts, which was violating the agreement I had made with the judge. I wound up dismissing my own BK so I could sell my house and make a run with the profits so I could find another place to live.

This is where my story “The Pillars of Wealth” really began. It was here where my eyes really were opened into the financial world and how if you weren’t involved in making the correct choices, you were going to be consumed by it. Take a look at our financial hardships as a Nation currently; our jobless rate and unemployment rates are skyrocketing; our unemployment offices are running out of money.

The “Wall Street/Main Street”meltdown, global economic chaos and crisis. The truth is we have really only seen the beginning. Once the foreclosure moratorium is lifted a new wave of homes and struggling families will emerge as the new generation of victims to this tragedy.

So back to my opening statement with bankruptcies on the rise as more and more families face tough challenges we find our world torn between the rule of 7 to 10 years of derogatory remarks pertaining to bankruptcy, the “taboo” of what bankruptcy means etc…

When making the decision to file you need to find a compassionate attorney, one who actually has your interests in mind not theirs I highly recommend using the “Discount family legal plan of America” through your “First Class FDI Membership”. Of course you can use your own sought out attorney yet with this membership you receive flat rates on Chapter 7 bankruptcy as well as discounted legal advise if you go outside of your free services. I’ll get more into that in another article as for now the recovery from a bankruptcy varies depending on which chapter you file. Chapter 13 is the worst bankruptcy you can file for.

Not only do you have to keep all of your debt, repayment to your creditors over a max three year period. You still have to budget your regular monthly expenses and the new proposed payment for the bankruptcy. Your credit is plagued with the bankruptcy for a period of 10 years instead of seven, you are not allowed to obtain new lines of credit during the repayment and a whole slough of rules to obied by.

With a chapter seven the bankruptcy is on your credit report for a period of seven years and you can start rebuilding after a two year waiting period. You figure out how to recover your finances, plan accordingly, and begin to establish a regular savings and investment account. You can continue to acquire financial stability during the bankruptcy, as long as you do not use credit during the “freeze or cooling” period.

I remember the feeling of receiving my first line of credit after my bankruptcy, the pride and confident feeling of recovery, then within a period of 9 months I had established a second line of credit and then a third. The same thing for my wife, we rebuilt our financial lives back from rock bottom. One line of credit at a time, one dollar at a time.

We knew the true value of credit, making good choices as opposed to running on an empty wallet, maxed out credit cards and the error of our ways (which indecently were mostly my decisions in the end.) I knew I had poor financial skill when it came to managing money long ago, I just never realized what the outcome would be.

My parents (mainly my Mother) spent money she hadn’t even received. I had become to accept this as normal, bankruptcy had happened in my before. Yet as a child I didn’t understand, even as an adult most people know that filing for bankruptcies are not good, many people that have not experienced this cannot relate to the concept.

Your pain is temporary although the pride that gets hurt in the process can scar you for a long time. This isn’t a bad thing and you shouldn’t look at it as one either, take the painful lesson, learn from it, take corrective action steps to change your money psychology.

Remember the path that brought you to this junction in the first place; then as you begin to educate and rebuild your financial security, you will be more proactive in making smarter financial choices. It’s from this point that success develops and becomes habitual for you. This is when you start to shine, choices you used to make seem so trivial.
You wonder why you had ever walked this path in the first place, you realize that your having to have it all now attitude. The “instant gratification mindset” or what I like to call consumerism mindset; you used to have will always tempt you to make impulse purchases, try to get you to blow your money like you used too.

However then the remembrance of your financial trial and tribulation, your onset to bankruptcy in the first place will dominate your feelings and the subconscious mind will usually prevail if you just listen. Otherwise you wind up living the time old phrase that states…

”For those who don’t learn from the past; they are doomed to repeat it.” Look at our current financial situation once more before we go, where do you stand today? Are you thriving or barely surviving? Only you know where you are, only you know how to stop the pain. I can guide you, I can even mentor you but only if and when you are ready.

Seek me out, ask for assistance and you shall receive. In fact coming in August I am releasing my first “financial fitness from financial failure courses” Whether you are looking to gain exposure to new resources to help with your finances, learn new ways to create consistent returns on your portfolio, build a business to invest or get out from under your current financial hardship circumstances. We will have the solution for you.

If you have not taken the time to download my book “The Pillars of Wealth” I suggest you do it now just click on the title above and you’ll be taken immediately to the download page to receive your copy.

If you feel that a book won’t help your situation you should take the few minutes to watch the “Financial Destination Inc.” video, then head on over to the main page to learn all about the Financial Destination Inc., a company dedicated to serving all of your future financial needs and learn what we can offer for you.

I guarantee this is the fastest way I can think of to recover from bankruptcy, financial hardship, all while learning the secrets to being successful with your finances; taking charge and control over your life once and for all, instead of always being the victim.

• Action leads to success with your finances Yes action the simple step by step process you use to allocate a budget, register your expenses, invest in your future these are all activities you must participate in to achieve any level of financial success or independence. If you aren't watching over your finances they can easily slip out......
• Snowball your way to financial freedom 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......
• Changes in your credit score and what they mean to you You've heard the news about the changes in credit scores and the impacts of these changes are yet to unfold. You can rest assured that this is the first step in major changes in banking reform on both the business and deposit account holders end. Tighter financial requirements on the......
• The power of money: Just touching and thinking about it can make us feel better, research finds I just ran across this article today and I find it very interesting how everywhere I go people are talking about mindset and choices. More people are becoming aware of conditions and are more susceptible to changes influenced by outside forces.One thing remains though is the simple fact that money......
• Happy Labor Day Are You Working On Your Finances Today Image by Robert Couse-Baker via Flickr Here we are again entering the holiday season, beginning with today and running directly into the major holiday season. Halloween, thanksgiving and of course everybody's favorite Christmas. With the soon to be spending season coming right around the corner at this time of......

• The seven roads to financial ruin and how to avoid driving on them. So, perusing my usual financial sites this morning, I came across this article titled "7 roads to financial ruin". Now that's a title! Upon reading the article, I found it to have some things that I am sure everyone already knows, but she went into great depth on each of......
• 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......
• Manage Your Canadian Accounts With BudgetPulse BudgetPulse is a money management website that could be a great way for you to report and budget based on all your Canadian accounts. It's actually something that they DON'T do that makes it work so great for Canadians looking to track and forecast their personal expenses. I've previously written......
• Free Money Management Tools from Google When it comes to managing our money and investments, creating financial plans, or analyzing our retirement portfolio, I'm all about the free stuff. There are lots of online money management tools around. Google has them as well. I like them because they are easy to use and can be found......
• Will We Ever Not Have Money? Never say never, but it will take a serious change in our culture to bring about an end to the use of money all together.  Let me explain how our society works. Despite what you may have convinced yourself of, your primary quest in life is the accumulation of......

Every once in a while I get asked what can be done for stopping a foreclosure process on the property, when is it too late and what’s the point of stopping it in the first place.

So I created a short teaser video for you just click play.

And as always remember to USE CREDIT WISELY

• what the entire scope of the financial devistation is Recently I posted an article about Joe Bidon, well really just a blurb on his notable speech on meet the press last weekend. His statement says "we guessed wrong." I'm sorry but for those of you who are suffereing I can share the pain and losses with you. Still many......
• How to maximize your real estate investments Maximizing your real estate investments aren't as daunting of a task as you may think. You may have heard that creating wealth in real estate is the best way to go for enormous gains and returns on investments. However many would be investors have not figured out the simplicity in......
• Retirement of a giant and the rise of future leaders Retirement of a giant and the rise of future leaders I looked as if I was a deer staring in the headlights when I opened the news this morning. You see I have been buried in tons of different activities and meetings over the last several weeks as I have......
• Estate tax shield to grow. You know they say that you can't take it with you when you go but you certainly can leave more of it to your heirs. As the rules change for the estate tax laws your heirs can benefit greatly from the current laws that are for today and the......
• Perfection and procrastination both stop progress We're all victim of it, you know planning and changing our goals, constantly looking and researching new and better ways to accomplish things. You know all of the if I just or if this would just; ah maybe this is the (widget name here) I need to get through my......

• Comparing incense and patchouli and woods I promised I'd get to my incense/patchouli fragrances and that's what I've been doing the past few days. I always recommend trying a fragrance more than once before buying it. And I also recommend comparing it to things that remind you of it that you are either considering buying or......
• Practice Your Shot Golf is absolutely a game of nerves, requiring concentration at all times because each and every stroke is going to require quite a bit of focus and attention if you want to drive the best possible results. If you follow these basic golf tips and tricks you will be able......
• Speak and Create It’s not just words. Nothing you do or say is “just” anything. The energy in you to act wasn’t created by you. As it leaves you it imprints the world, and the world is a diary. Well, what have we written? What have we wrought? And why did we? The......
• 8 Ideas to Improve Your Guitar Playing Here are some things that you should absolutely know and keep in mind when it comes to significantly improving your acoustic guitar playing skills. 1 - Tuning. You have to be extremely careful to make sure that your acoustic guitar is remaining tuned the right way. If your guitar becomes......
• Not Enough Golf First Too Much Golf and now not enough golf.  Since my 3 days in a row I have yet to play again.  Now that I am on vacation for a family emergency it is looking like I won't get to play again for at least another couple of weeks. There goes......

The most differentiating factor between purchase money and refinance money is the legal recourse that the institutional lending agencies have against you. You see when you make the original purchase loan for your piece of real estate your agreeing that if you default that you are not liable. The money is what’s known as non recourse (meaning the bank cannot go after you for the lost portion of the principle.)

The first time you decide to refinance your mortgage to lower your rate, modify the principle amount or performing any type reduction in principle you loose the non recourse clause on your purchase money. Now you enter into a recourse position where you become liable for the debt or the offset in principle when you perform a loan modification.

Even on a short sale if you have refinanced and now you are in a position where you are forced to sell due to financial hardship. You are going to receive a 1099 at the end of the year showing you made a gain. Now you are in a position for a lawsuit, taxable events and a whole slough of financial hardships.

The only way to possibly get out of this scenario is if you are insolvent and you can prove beyond a shadow of a doubt that you cannot repay the debt. Now you’re forced into bankruptcy and you now face more financial hardships than you started with.

On the other hand if you are using a purchase money loan and you are forced into the same scenario of a short sale or loan modification you are not on the hook for the banks loss. I’m not saying that you should never refinance but you need to know why. If you are living on liquid equity squeezing every dime out of your home’s equity then you know you’ve created a financial nightmare.

You have been living in a world where money appeared almost magically especially if you lived in California. Appreciation made equity seem as if it was never ending and then the worst happened. Some savvy marketers created an awesome campaign on adjustable loans that enticed people to buy homes far out of reach, created a frienzy of refinances in the market place.

So now you’ve given up your protection from recourse and you are faced with some huge tax burdens. There are only so many chances for finding a way to pull money out of your home. Now that you have run out of equity, appreciation is gone and you’re under water you’re faced with many choices for help.

The one thing thats failed to be mentioned is the TAX consequence. Be aware of your situation and make your financial choices wisely. Seek out the assistance of qualified professionals for guidance. Your financial house must remain in order no matter what. It’s your life and your future why spend it worried about money and consequence when you can worry about the finer things in life.

Tax consequences don’t go away just by ignoring them, the IRS will garnish your wages and that can have an effect on your over all take home pay, your quality of life and even your employment. You know as well as I that Uncle Sam always get his cut first.

Money isn’t everything, however keeping every sliver of it you can is! Wealth is a concept of it’s not how much you make it’s how much you keep. Know your position and tax consequence before you make a choice that can have a negative effect on your life.

• How to Maximize Your Earning Potential Maximizing your earnings isn't rocket science. I've said it a thousand times before and I will continue saying it another thousand times more. It takes basic discipline and pratice to overcome any obstacles in life. First off you need to know where you are by taking a good look at your......
• These 29 Tips To Help Save You Money Funny how when we look at money, financial affairs and wealth we often overlook some of the most simple things. For example what about cutting back on items or finding ways to save on the purchases of the items or services, I read this article in Readers Digest a couple......
• 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......
• How to Overcome Adversity [display_podcast]When the chips are down and there is no light at the end of the tunnel people tend to become frozen with fear, contemplation and indecisiveness with the choice they are faced with. Many times the simplest way out of a situation is for most people stop right in their......
• How To Measure True Wealth and Success How does one truly measure success? How does one measure wealth? Is purely by their achievements in life? Does that mean that if you never reach the fame and fortune levels that you weer never truly successful? Have you ever thought about what what it really meant to be......

• How to Find Financial Stability in Unstable Markets Right now, the only news about the economy seems to be bad news, and it may take a few months if not years to improve. The dollar is weak, oil prices are still up and the cost of living has skyrocketed this year. These are unstable times, but that doesn’t......
• 38 Reasons to HATE MONEY, How to Hate Money Personal: 1. You never have enough of it, no matter what you do - Most of us dedicate 60-80% of our day to thinking about things related to money, but we never seem to have enough to pay for everything. 2. You can’t rest as much as you need to......
• Green Synonymous with Communism Sunday Paper - April 26th, 2009 It is beaten into our heads on a daily basis: green this, green that.  Certainly our children are being indoctrinated in the public schools, being forced to write "I will go green" thousands of times over on chalkboards in classrooms across America.  If you......
• The Best GPT Posts of 2009 Thank You I want to thank those of you who have been with me in 2009. I’m enjoying my time writing and I love getting in contact with you through email and Twitter. I look forward to getting to know you better in 2010. /caption] If you haven’t already, please subscribe to Green......
• A Journey Like No Other: Following the Wealth Pilgrim From Adversity to Personal Transformation and Financial Freedom I've been very fortunate to meet and be able to speak with author and founder of the Wealth Pilgrim, Neal Frankle, CFP -- someone with a truly amazing and inspiring story.  Not only is Neal a Certified Financial Planner, he is also a great motivational writer, blogger and speaker.  He......

Yes you can obtain credit in a down market with the proper mindset, motivation, and knowledge. Where do you start especially if you need to acquire it fast and you don’t have many resources. This is a quick guide to preparing for the individual or the corporate credit seeker.

If you want the simple truth you need to be in a tip top shape financially and have the ability without a shadow of a doubt that you are financially able to repay the debt you are borrowing. This is nothing new from previous markets, the new rules are the same when it comes to borrowing.

The new way to obtain credit is to prove that you really don’t need it, however this has been the case since bartering and credit has evolved. People always have said you need credit to get credit and you need money to make money right. It’s no different today.

Guidelines have become tighter and banks and lending institutions started lending less. So with all of these odds against you what do you as a prospective borrower are crucial for your success.

First off you need to have your financial affairs in order, secondly is your credit accurate, have you reviewed it within the last three to six months to ensure that everything on it is accurate? This should always be the first step before applying for any credit.

If you are trying to obtain credit for the first time or after a financial hardship such as bankruptcy or divorce you have some “sub-prime credit card companies” out in the market place who can get you started with a low balance & a higher interest rate.

Now remember these are for reestablishing as well as rebuilding credit. You can always obtain new lower costly credit after six months to a year. Obtaining credit in a down market isn’t as difficult as one might think. The down marketplace makes obtaining credit more challenging and difficult.

However the rules are still the same. Recently I applied for some new credit and I was able to obtain a new line of credit from my credit card company with less than perfect credit. I was able to do this because of the relationship I have established with my current credit card company.

I have also have closed several mortgages which is an indication of banks starting to work through there financial crisis. There is always a way to obtain what you need more than what you really want however people have always seemed to find a way to get what they want rather than what they need.

Now that credit is tighter and banks have cut off a lot of equity lines, credit card companies have folded and new laws on the horizon only time will tell what new requirements will be placed on both businesses and consumers.

Always remember to keep your financial house in order and to keep all of expenditures tracked and allocated. Keep tabs on your credit to ensure your identity is protected. Also optimize your spending so that you can keep enough in reserves to ensure ongoing success with debt elimination.

• E-Waste Plus Wall Street, Times The Mortgage Market Equate To A Toxic Mess E Waste, mortgages, Wall Street, credit derivatives, rising credit deficit and the bet against America. I was watching 60 Minutes last night, it was very disturbing to learn exactly what has been going on both in the technology sector as well as the financial markets. Both topics showed me......
• Happy Labor Day Are You Working On Your Finances Today Image by Robert Couse-Baker via Flickr Here we are again entering the holiday season, beginning with today and running directly into the major holiday season. Halloween, thanksgiving and of course everybody's favorite Christmas. With the soon to be spending season coming right around the corner at this time of......
• Word to live by from buy land and wait As the famous Warren Buffet would say I only have two main principles when it comes to money and investing. Rule number 1: Don't lose any money Rule number 2: Remember rule number 1 Watch this short video then read on Even in these turbulent times of market volatility, extreme......
• The Jury Has Made Their Decision - The Judge Said You're Facing A Life Sentence What Are You Going Too Do? “Test results are back and the prognosis doesn't look good...” My wife's Doctor was a nervous wreck after she reviewed her file. We have all taken tests from the Doctors office and stressed over the outcome of the results; usually everything checks out okay, what do you do when......
• You can purchase an investment with a credit card 5 things to watch as you invest this way We have all heard the term leverage used when it comes to real estate and investing. Leverage the equity, leverage some one else for their skills and talents or their credit and financial stability. Have you ever heard the term leverage the credit card for making real estate purchases? I......

• How to Negotiate with Credit Card Companies to Reduce Your Debt Today's article is a guest post by Andrew Wang... With consumers facing tough times in the wake of the financial crisis of 2008, it's a good opportunity to discuss the possibility of getting your credit card debt sorted. Most people assume credit card companies care only about the profits they......
• Finding Out Your Parents Financial Situtation Can Be Stressful. Let me just tell you that sometimes finding things out about your parents is not all candy and roses. I mean, I enjoy learning about where my parents went on vacation before they got married, or how they met, or any number of other interesting tidbits that I have learned......
• The Start Digging Out Of Credit Card Debt Challenge - Week Six. So, it has been about a month since the last time I posted an article for the challenge. How's it going? Have you had any success in lowering your credit card interest rates? Any luck setting up bi-monthly payments? Everything going according to plan? Let me know any concerns you......
• Bad Credit Mortgages Are A Rip-Off Bad credit mortgages are a rip-off.  Not only are they a rip-off, they were also a prime contributor to one of the deepest recessions of the past 100 years.  They are more commonly referred to as "sub-prime mortgages," which is more politically-correct than "loan only a sucker would take." Why......
• 10 Websites Where You Can Manage Your Money Online For Free. Besides your own bank which might also offer the service (mine does - Bank of America), there are plenty of other websites where you can monitor all your bank accounts - and sometimes even your frequent flier miles, reward point balances, and your spending habits - for free. If your......