Rising Debt Cripples USA

I was just reading in the news that California posts an 8.4% jobless rate which is the 3^rd highest in the US with Michigan being the highest at 9.6%.  Also, GM and Chrysler are saying they will cut jobs by 34%.

We are getting hammered by this type of news everyday.

In another article, the US rate is now at 6.7%.  The Bureau of Labor Statistics, just last month, reported “In November, 37 states and the District of Columbia recorded over-the-month unemployment rate increases.”

This is depressing information.

I’ve had emails from peoples saying all our jobs are going overseas.

How does this make you feel?

Do you have enough debt to break you if your job goes?

Here’s a recent article from Moneycentral.MSN.com:

It's hard not to be worried when confronted with numbers such as these:

·         About 43% of American families spend more than they earn each year.

·         Average households carry some $8,000 in credit card debt.

·         Personal bankruptcies have doubled in the past decade.

It's not clear exactly where the debt trend will take U.S. consumers or the U.S. economy. But it is clear that both are sailing in uncharted waters.

………………

The majority of consumer borrowing, about 63%, is represented by so-called "non-revolving" debt such as automobile loans. But "revolving" credit, which most typically involves credit cards, is an increasingly significant part of the equation. Revolving debt currently totals $735.3 billion; that's about 31% higher than it was only five years ago. The figure has more than doubled in a decade.

Now I ask you, with the jobless rate soaring, and, your debt rising…….yes your debt….…what are your prepared to do to correct this.

Have you considered changing careers or maybe starting a business that you could work out of your home?

Here is a recent article I received……..

4% of Businesses in a category collect 74% of the Sales $$$ ... which means 96% will struggle!

That's an alarming stat' that I can guarantee within only a few percentage points, applies to most businesses……………

You can avoid this! 

Have You or Anyone You Know Lost Their House Or About To Lose it?

You Have to Act NOW!

What an awful feeling.  You’ve lived in the house now for some time.  All of a sudden you about to loose your home! 

You even refinanced your property to get things current but you just can’t make the payments.

The bank is ready to foreclose and you feel…….well, trapped.  You feel a since of desperation.

In a recent headline from RealtyRac………

Foreclosure Activity Up 112 Percent From Q1 2007

Here’s another example from the fdic.gov web site:

1 out of every 200 homes will be foreclosed upon. For a city like Washington, D.C., that

translates to 3,000 Washingtonians losing their homes to foreclosure each year.

–         Mortgage Bankers Association

Every three months, 250,000 new families enter into foreclosure.

– Mortgage Bankers Association

One child in every classroom in America is at risk of losing his/her home because their parents

are unable to pay their mortgage.

– Based on information from the Mortgage Bankers Association

If you listen to the news, what are they telling you?  We are headed into a recession.  Money is tight!  Jobs are decreasing and unemployment in on the rise.

You can avoid this as well!

Divorce – “How To Avoid Getting That Expensive Divorce”

Do you know the #1 cause for Divorce?  By far it is money.

When you decide to get married, things are popping.  Love is in the air and money (or the prospect of it) is good.  Now, a few years later, you have a family and the demand for money is even greater.  Your job is going now where or you about to be laid off.

Maybe you’re the boss.  You own your business and things are getting a little tight.  Your employees don’t understand this, though.  They expect their paycheck to be there on time every time.  So, as the boss, you get to take what’s left.  That is if there is anything left.

Does your spouse ever say “You haven’t given yourself a raise in years.  When will things turn around?”

Or, here’s a good one.  “When are you going to go out and get a real job?”

Here a clip from a web article on ciatedcontent.com (2007):

1.)    Financial- Contrary to public belief, this is in fact the most common cause of divorce. Many couples fail to openly discuss financial situations before marriage such as individual debt, spending habits, salary information, etc. This can lead to one partner thinking the couple is living within their means, while the other partner sees the couple as financially spinning out of control. Also many couples fail to establish feelings of who should do the bread-winning or if the task should be split. A common situation is one from a wife who was socialized to believe the husband is the breadwinner, while the husband beliefs they should share financial responsibilities. It is crucial to form prenuptial agreements prior to marriage because it can protect either partner against financial ruin should the relationship fail.

2.) Infidelity- Obviously this reason is cited quite often and seen as an irreconcilable difference. Many couples work through a cheating
occurrence, some couples allow open relationships but in general many marriages fall apart due to infidelity as it greatly blocks the communication pathway between spouses. The following reason is one of many causes of this reason.

What about the effect of divorce.  How does that weigh-in.

Now, you feel alone.  Your kids have to spend time with you separately……..a real challenge.  Holidays are a chore.  Birthdays are a chore.

When grand kids come along, their time has to be split as well.

So What can I do- I don’t Have Any Control Over the Money I Earn?

I AM HERE TO SAY YES YOU DO and I Am Prepared to Prove it to YOU!!!!

Money problems are not something you are born with or have to accept.  You can make a fortune and you have every right to do so, but, you have to change a few things.  Money doesn’t come to you just because you want more or you feel you deserve more.

You must learn how to attract people to buy the products and services you offer.

You can have the best product in the world but still not make any money if you don’t know how to market it. 

Marketing is everything! ……..and is not hard.  You just have to know how.

We have a self paced home study business training program that will teach you everything you need to know about marketing, joint ventures, and running any business.

If you are looking for another business or adding something to your current business, we have several licensee programs.  You choose the one that is right for you.

Review our Resources for more detail information in each offering.

If you are serious and looking for a change, I am here to help.  But, you must act NOW! 

I can only work with a few who are serious about changing.  If you are just curious, DON’T contact me.  I don’t have the time and have no interest in persuading you.

IT IS NOW UP TO YOU!

Carefully review the resources on the site before you contact me.