Is there such a thing as a Guaranteed Return on Investment?

Is there such a thing as a Guaranteed Return on Investment? Why yes there is. Let say that you had a credit card that charges 21% interest. That is pretty normal. If you were to pay that card off you would have a Guaranteed Return on investment.

Yes it is that simple. I see it all the time people watching the market go up and down and worry about the 5% they may make, all the while carry thousands of dollars in consumer debt on credit cards, car loans, personal loans. It doesn't make sense but what do I know?

Most people don't know that they can eliminate all their debts including a mortgage in as little as 5 to 8 years with the money they all ready make. It's true! Of course the banks love this. So why bother telling people, after all many will not even take the time to create a free plan to see if they can become debt free.

I tell people because we need to turn this country around. We live in the land of the American dream, but instead are a slave to debt that is owed. I hate to sound so negative, however unless people change the way they are spending money and look at what is inportant many will retire with little more then social security. in fact 95% of Americans wil lretire with little more then Social Security.

It you work your whole life let say from twenty to sixty and only make 25,000.00 a year you will earn a

million dollars. What will happen to it? Where does it all go?

Make a plan to eliminate debt, at least make a plan to where you want to be five years from now. Write it down. Look at it. Now make it happen.  Dave Ramsey is one of America's best radio talk show host on personal financial matters. Change your life for ever...It is your choice.

Create a free debt elimination plan at Rapiddebtreducer.net. it is free and only takes a few minutes.

Holly Petraeus, Wife of Gen. David Petraeus, to Run Obama Office to Protect Military Families - ABC News

Holly Petraeus, Wife of Gen. David Petraeus, to Run Obama Office to Protect Military Families - ABC News

 - An article explains how some lenders are reaping up to a staggering 104.3% on cash advances.1 “Sharks” and “predators” they are called and rightly so, for like wounded fish those with less than perfect credit are being preyed upon at an alarming rate. I call it legal extortion or predatory lending. We live in money system that caters to the rich by targeting the desperation of those caught in an arena of financial woes. Playing the money system is a lot like playing against the house at the casino and—how often does the house lose?

We live in a time flooded by easy-credit offers. “Poor credit—bad credit—no
credit? Please do not be misled; there is nothing easy about it. A typical credit offer showed up in one mans mail on the morning of February 28th that boasted a no annual fee, 0% APR on purchases until October 2003, and a credit line up to $2.000. This offer might have been tempting to the man who fell one month behind on his auto insurance premium and was another nine months getting back on track. The truth of the offer revealed a 23.99% APR that would increase to 28.99% for various reasons. And the $2,000 line of credit would most likely, if you read the fine print, be only $250. In the same mailing was another offer of credit with a more reasonable APR of 9.99% but, —what about the fees? This offer came with an account set up fee of $29.00, program fee $95.00, annual fee $48.00, participation fee $72.00 annually, and additional card fee of $20.00—that’s $264.00 in fees above the normal fees imposed by the credit industry at large. Fortunately the man didn’t fall prey to either credit offer.



Free Financial Management Software

 Whether it’s a cash advance or a credit card offer consumers are ultimately responsible for the decisions they make. Still, I cannot help but think there is something quite disquieting with the conduct of the money system steering our financial future. Creditors are taking advantage of consumers whose circumstances and desperation are plunging them into lifelong habits of poor spending. My personal conviction is that all those who plunder the unfortunate with unethical business practices, will in the end, meet their day of accounting. In the mean time though, how can we escape the grim financial future the predators have prepared for us in their money system? Simple—do not play the game. Say no to the cash advances. If you can’t survive on a full paycheck this week what chance do you have with a smaller one next? Throw the credit offers away. They are designed for the sole purpose of prospering an already prosperous money system. Keep your quarter.

1 Dan Allsup, “The Poverty Sharks,” The American Legion Mar. 2003: 42

(SoLongBills is an important tool for living debt-free. Learn more about our products.)
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Family Finance Advisor :: How To Setup a Budget and Save Your Family Money!

Family Finance Advisor :: How To Setup a Budget and Save Your Family Money!

Budgeting seems to always be a tough subject. Who has time to make a budget let alone follow it?

Okay, first a personal budget is a guide, a document that you have set down and looked at your money coming in and the money going out. With out a budget you will not know where your money is going each month which will lead to over spending. According to the US debt Clock website:

Americans carry 2.4 Trillion Dollars in consumer debt of which 791Billion is credit card Debt. Which means using the national average Credit card interest rate of 14 % that Americans will give away 1.2 trillion dollars of their hard earned money to credit card companies in interest ALONE because of over spending and possible poor planning.

Family Finance Advisor provides some free resource to family financial issues. Also you can create a free financial plan at the Rapid Debt Reducer website were we teach people about financial literacy and provide financial tools to plan better.

I once read a book by Jimmy Carter called the "Hornets Nest" Copyright 2003 The novel of the revolutionary war provides a possible true image of the American Indians and how they were being cheated. The Hornet's Nest: A Novel of the Revolutionary War

Here it is. Kindred a character in the book says that it is a shame the way the Indians are being cheated, Ethan didn't think so, he claimed that the Indians did not have to trade if they don't want to. Ethan claims that the Indians  are the ones begging for the goods and buying more than they can pay for. (Sound familiar yet?) I will go on.

Kindred claimed that "they are too ignorant to know how to trade" Of course Ethan didn't think so, after all they can sign treaties and make agreements that they don't carry out.(watch for the punch line) Ethan continues "Besides they can always pay off their debts when they work out a new deal on land" Now we all know how that worked out for the Indians.

Listen folks, If we the people don't start looking at how we are doing thing the future is bleak for those that fail to plan, and live within their means.

 

Okay for the GOOD news it is easier to get out of debt then you think. You have to create a plan and follow it, that is where the budgeting come in to play. Use Debt Stacking to get out of debt, create a budget today. PLEASE

US Stocks End 2% Higher On Strong Economic News - CNBC

US Stocks End 2% Higher On Strong Economic News - CNBC

Stocks start off higher for December. I don't know if this is a sign the economy is doing better? Let's wait and see after the first week. For every article I read that says the economy is doing better there are ten that says the opposite.

In order for America to have a sustainable strong economy, Americans are going to have to continue to eliminate consumer debt, balance their check books and vote people into office that will make the right decisions.