When having problems and seeking help, it becomes very easy to get fooled by incorrect ideologies. A person is most vulnerable during time of stress or loss of a loved one. At the tough times, you should not make important decisions. However, when it comes to your credit and your report, delay has more negative impact than acting immediately. Most financial problems don’t go way by themselves. When a bill is sent and you don’t reply, that bill or company (sender) won’t go away. If you ignore…

Are you tired of throwing most of your income towards interest rate and fees on credit cards, auto or mortgage loans?

Do you have interest rate of over 11% for auto loans or credit cards?

Is your mortgage interest rate several points over the federal lending rate (interest rates over 8%)?

Do you have a judgment on your credit report?

Are you hanging on the ballet, counting days to file bankruptcy?

Is the IRS or your state department of revenue repeatedly sending you letters, demanding money for back taxes, interest and penalties owed?

Is your auto on its last leg and you don’t have the money or credit to fix your transportation?

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Here is a new one to some of you, but an old one to me.

I have been warning a lot of people about certain types of scams for a long time. Recently, I learned about a few people that were scammed and sent their money elsewhere based upon fake checks they received. They were both young and old in age.”

Several months ago, as I finally got one of my properties back because of the injustice of the U.S. Department of Justice. A friend suggested that I should advertise the property on craigslist.com. Not knowing the site, I listed an Ad. Of course this site is just like any other advertising site visited by good people but also visited by scammers.

As a result of my Ad, I received many emails from interested parties, who all wanted me to hold the property, and they have already sent me payment. They sent me payment so that I would pay the travel agency for their travel arrangement from England, Australia or even some northern parts of the U.S.

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I am not a politician as I said before; however, I still have a few concerns.

In a few articles, I wrote about finances, scams, what the new year will bring, or How the Federal Reserve Bank cutting short-term interest will further hurt consumers. Of course, my article about Federal Reserve short-term rate cuts was published in April 2008 and posted on some sites. However, my concerns remain.

Let’s look at this election from another view. I live and do business in the “DEEP SOUTH”, where the white supremacy is ruling in its hidden form, yet clearly visible when leaving city limits. During the past eight (8) years, not only my life but also the life of so many people whom I came in contact with, has been very much impacted by bad government and its policies. So many homeowners have been forced out of their homes, because of the banks and mortgage brokers’ deceptions; however, instead of the banks being punished, the consumers have been, by first being foreclosed then, using taxpayers/consumers’ (including the foreclosed homeowners’) money to bail–out the same banks that cheated consumers. And, let’s not forget the many flaws in the bailout plan. To add insult to injury, yesterday, the government announced that the number of bankruptcy in October 2008 was over 146,000, up drastically from months before. Yet, the same rednecks that have been losing their shirts and sleep (hurting financially), still believe “Bush” is doing a great job. Yet, some of these rednecks who also needed my help, could not understand a word I was saying because, they were truly following a “Fable” without thoughts/analysis. If that is not blind loyalty then, what is? At no time, did most of these people think about the fact that their paychecks/income got cut, gas prices and therefore, the price of any item they have been purchasing increased because of their own mistakes of the previous election.

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Before I being telling you a very small portion of my recent incidents, allow me to share my belief. I am not a religious person, although I attend churches, temple and used to go to mosques (years ago). However, I believe in God. Everyday, my trust in Him increases. In simple words, there is not a day that I loudly do not announce, “God I Love you and my life is yours.” “God you gave me life and my existence. Every breath that I take, every move that I make, everything that I eat or drink and so much more, is either because you allow me to do so, you provide for me or you make it happen.” It is all because I have seen Hell and life both in the past fifteen (15) years (BEYOND YOUR BELIEF). I believe in a few old sayings: “Love one another”, “Do unto others as you would have them do unto you,” “Think right, do right and talk right.” I also believe in the sayings: “Knowledge is wealth,” “More is lost by indecision than by bad decision”, “Ask and you shall receive,” and “Tomorrow is not promised to anyone.” I use this last one sensibly and carefully as some people misunderstand its true meaning.

However, before you read the rest, I want you to understand that I am NOT bragging. I am just sharing the true fact of established credit and how a good and long term established credit could make you credit invincible.

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