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1. The Dollar Bubble
One day in the not to distant future the value of the dollar is going to CRASH! You see it happening now. It is also happening with all the major currencies

View this report from the Wall Street Journal . and ....The Shrinking Value of the Dollar.

Please take the 30 minutes to view this video...The Dollar Bubble starring Peter Schiff, Ron Paul, Marc Faber, Gerald Celente, Jim Rogers, and others.

If you are still hoping for some miracles to help you with your unsecured debt or home foreclose this video will I hope stir you to take action while there is still time!

2. The Credit Game
This is a link to the Full Frontline Episode ...
The Credit Game

As credit card companies face rising public anger, new regulation from Washington and staggering new rates of default and bankruptcy, FRONTLINE correspondent Lowell Bergman investigates the future of the massive consumer loan industry and its impact on a fragile national economy.

The Credit Game

3. Credit Card Debt …where we have been and were is it going.
Credit has been with us since time immemorial. In the old days, stores would keep open accounts, or “tabs”, for their customers. The customers would take the merchandise they needed, the store owner would mark their purchases in a ledger, and the tab would be paid at a later date. .

• Western Union issued purchase cards to its best customers as early as 1914.

• With the advent of the automobile in the early 1900’s gas cards were issued by gas stations for fuel purchases and soon were accepted between competitors as payment. Thus the second innovation began… networking!

• Store credit cards were the next to make the scene. They increased the consumer base for retailers and gave the customer the convenience of “buy now and pay later.”

• Revolving credit came onto the scene in the 1930’s and 40’s. This practice actual started a series of changes. Up to that time customers were required to make payment of debt within a certain period of time. This practice changed by doing away with the repayment limits. The customer had to repay a certain amount of debt each month – the minimum monthly payment. Credit card Companies made revenue from fees and interest.

• In the 1950’s, the cards we know today: Visa, American Express, Diner’s Club, and others came into being. These major companies soared in popularity in the 1970’s and 80’s.

• In the early eighties, inflation began to outstrip interest rates, making credit cards a losing proposition for the banks that issued them. At the time, interest rates were limited by anti-usury laws. When South Dakota, discarded its anti-usury law, it opened the way to unlimited interest rates. The banks soon moved offices to South Dakota and Delaware which had also changes its usury laws. This made it possible for the Credit Card Industry using an “obscure” Supreme Court decision to export higher rates across the country.

• The current credit card practices can be traced to one man, Andrew Kahr. Before him, credit cards required customers to pay 5% of their balance every month. Kahr convinced banks to lower minimum payments while raising credit lines, which caused profits to soar. “High balances are more profitable than small balances,” says Kahr. The result as expected is that people charged more and strung it out over longer periods of time. The consumer suffered escalating penalties and fees which caused costumers to complain to no avail.

We now move to the landscape in the 21st century. This all powerful industry was the prime mover in changes made to the bankruptcy laws. Americans facing dire economic times find that the new law makes it vertically impossible to have a fresh start. The new law forces them to repay the debt over time and ruins their credit your 10 years. The record shows that 75% of consumers are failing to complete Bankruptcy or other settlement programs.

There is nothing to prevent Credit Card issuer from raising their interest rates. Credit Card Companies can change their terms at will. Fees are not regulated. Due dates on Sundays and holidays are intentional, and designed to generate late fees. The credit card industry has become the most profitable sector of banking.

Over the last 10 years the industry has been marketing to the sectors of the economy that are the least credit worth. It has become common for college student to graduate with, $1000’s of credit card debt. When the mail is delivered to your home expect the Credit Card Companies to send with teaser offerings of 0% interest for 6 months. We then saw a wave of balance transfers. This resulted in an additional line of credit with the an interest rate due to increase and a 0 balance. It came in handy for the next emergency which was sure to happen. Families were effected by 9-11 (resulted in business losses) lay offs (Treaties NATA and GAT producing the exodus of manufacturing and service jobs)and the medical bills for illness faced by the un-insured and the insured as well.

The latest trends to effected many of us, has been the rush by the Credit Card Industry to increase interest rates to 29.9% before the new law puts a cap on interest rates that the industry can charge to 29.9 % effective in 2010, and they are cutting credit limits for existing cardholders without regard to their payment history. We have also seen a consolidation in banking industry! Where there were 1000’s of national and local banks, we have a shrinking of the number of banks nationally which had competed for your business down to a few big national banks. These banks are too big to fail and along with Wall Street having received $100’s of billions in tax bailouts.

If you see all the darkening landscape, then you understand that a whole new system of governance is in the works, and the US is not going to be part of it. Credit Card Companies are reducing or removing Americans' credit lines-- this will be completed by 2010. People will be expected to save money instead. This money will be used for loans and investments in new markets like China. US companies are continuing to move offshore, and 40% of all trade is now between international corporations rather than nations. You understand, of course, that this is were your jobs have gone but you will still be expected to fund their expansion into new virgin territory. Examine the Global Credit Card Industry - Emerging Markets

So what to do?

Ask yourself when you are making a purchase, do I really NEED this?

Buy locally and not from Wal-Mart or any of the large national chains.

Bank at a local credit union

Lastly Get out of DEBT FAST!

KEEP IN MIND WE ARE MANY AND CAN BE ONE PEOPLE ….NOT
Republican/ Democrat/ Liberal/ Conservative /man/woman/ child/ straight/ gay/ hyphenated Irish-American, Latin-American/ even illegal’s and on and on! These are just identifier that the ruling elite through the media, education all of it have used to divide and enslave. I for one am sick of it! Show me a human being who is in the service of others and we will get along just fine, I know that I can count on them to defend our rights (the Constitution here) and be around to rebuild a better world!

Here is a solution to your unsecured debt. This is an ethical, moral and completely legal program to show you how to get out of the spiraling clinches of “Credit Card Hell” and take back your credit worth reputation. This is NOT-- Debt Consolidation, Debt Settlement, Arbitration or Credit Consumer Counseling. Don’t even think about considering the stigma Bankruptcy would carry for you—and the additional expense that goes with it… Visit us at Credit Card Rest In Peace or call us at (949) 240-7401

We look forward to getting you back in control of your financial future!

Check out my blog at Eliminate-Credit-Card-Debt-Options

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4. DEEP In Unsecured Debt? Debt Relief is here. Wanted BraveHeart Mind Set.
I will get right to the point! For years large corporations have been getting away with violating the Laws of the Land and it gets worse with their BIG bucks they get to make laws that benefit them. Just consider the revised Bankruptcy Law written by the Banking Industry. It should be obvious to American Citizen that it is time to stand up for the RULE OF LAW.

You are at home with your credit card bills in one hand and your check book in the other. I didn’t forget the other stack of bills still waiting to be paid. It is time for a different tactic. Whether you know it or not the banks have been playing fast and loose with the law. That is banking law, consumer protection laws, contract law and not to mention the Big C -The American Constitution.

This is no time to continue drinking the cool aide. Put your fears aside. There are solutions. Stop listening to the fear mongers. Yes there are scams out there. You are an adult and don’t need to be told that you need to look both ways at a cross walk. You can take back your power and win back your financial freedom. Asked a lot of questions. Look up the law. Take your time but move forward.

We are told that this country is still governed by the rule of law. If you believe that, it is time to fight back and use the resources here and else where. Put your fears way and do fight back. If you don’t the banks will only keep on increasing the heat until the pot boils and you are cooked!

Have you seen the Movie Brave Heart, a must see. The point here is that this is the kind of person we our looking for. Our services are powerful and work for you, but you need to be ready to fight back and assert your rights. Listen to the overview which follows. If it makes sense to you go to my website www.creditcardrip.com and complete the contact form. I will have a brief conversation with you and e-mail you all the details for your consideration

5. Credit Card Debt In Chapter 7 Bankruptcy

The goal of the now several years old Bankruptcy Law is to shift filers from Chapter 7 bankruptcy, in which consumer debt is typically liquidated, to Chapter 13 bankruptcy, which requires that you repay secured and much unsecured debt within five years.
Major changes under the new law:

• "Means Test" Puts the burden is on the filer to show that your use of bankruptcy relief isn't "abusive." The means test calculates your monthly income minus certain allowable expenses. If the balance left is more than about $100 a month, the filing is considered abusive, unless you can show "special circumstances." If you failed the "means test," it's Chapter 13 for you.

• Expense allowances Guidelines for allowable expenses are set by the IRS and are stingy.
• Residency requirements There are both federal and state bankruptcy laws and some state laws are more favorable than others. But the new law aims to discourage "shopping around" for the best deal, so you can't file in a more favorable state unless you've lived there for at least two years.

• Credit counseling You must take an approved credit counseling course within 180 days (six months) of filing a petition. Not Free

• Paperwork Consumers will have to provide a lot more documentation to show that bankruptcy is warranted. Some of the proof debtors must provide: a list of secured and unsecured creditors; documentation of credit counseling; monthly income and expenses; assets and liabilities; most recent tax return and any earlier returns that were not filed; pay stubs and photo ID.

• Legal fees Many lawyers are getting out of bankruptcy practice, not wanting to put their careers on the line for filing cases that don't pay very well anyway. The burden on bankruptcy lawyers is at least doubled under the new statute. Besides merely gathering the facts from a client, an attorney must now "certify" that a client's numbers are accurate. If they aren't, both lawyer and client could face sanctions.
• Filing fee changes Charges vary from state to state, but in general, you'll pay more for filing under Chapter 7 and slightly less under Chapter 13.

• Valuation increases The law provides that "collateral," which includes your furniture, clothes, autos and electronics, be assessed at a higher value than under the previous law.
• File again. The new law provides that, under Chapter 7, eight years must elapse before you can re-file. If you go for Chapter 13 after a Chapter 7, you must wait four years. Going from one Chapter 13 to another, two years must elapse.

• No loading up on last minute luxuries The new law requires that any luxury items purchased within 60 days of filing for bankruptcy be repaid in full. Likewise for cash advances and services worth more than $500.

• Student loans Under the old law, you couldn't get rid of student loans backed by the government or a non-profit. This protection has been extended to private lenders as well.
Some Comfort
·        Your house, retirement plans and college savings are exempt
·        The court can reduce your principal debt by up to 20% on unsecured debt settlements
·        Child support obligation jumps ahead of any other unsecured claim except administrative or legal fees. Also, there are special provisions for a few groups: military personnel on active duty, low-income veterans and people with severe medical disabilities.

BUT THERE IS MORE! The Challenges - debt was fraudulently charged

Credit Card Debt In Chapter 7 Bankruptcy
Cathy Moran
Credit card companies sometimes challenge the discharge in bankruptcy of debt owed to them, by claiming that the debt was fraudulently charged by:
  • Submitting a fraudulent application
  • Using the card without any intent to repay the debt

Here is a solution to your unsecured debt. This is an ethical, moral and completely legal program to show you how to get out of the spiraling clinches of “Credit Card Hell” and take back your credit worth reputation. This is NOT-- Debt Consolidation, Debt Settlement, Arbitration or Credit Consumer Counseling. Don’t even think about considering the stigma Bankruptcy would carry for you—and the additional expense that goes with it… Visit us at Credit Card Rest In Peace or call us at (949) 240-7401

We look forward to getting you back in control of your financial future!

Check out my blog at Eliminate-Credit-Card-Debt-Options

6. Justice Sonia Sotomayor stands as a small whisper of hope
We go about our days as if nothing really, really serious is happening or has changed. That is understandable. The level of day to day drama we are exposed to is so acute and over-whelming that it is wonder we get through it all. I have previously quoted from Catherine Austin Fitts’ The Solari Report

“Although it is unpleasant to acknowledge, we are caught up in an invisible war. We are being tricked and, in many cases, we can't see the game. It follows that if we don't know we're being 'played,' we won't know how to protect ourselves”. I also say, as does Catherine that the goal is to remove the barriers that prevent you from seeing this game: how it affects your money, your health, and your safety. As we move further toward achieving that goal then we can help you take action.

In a nutshell, what we are facing through the political process is life vs. death struggle. . Specifically, it is the financial value of the life and death of various groups and ages of people vs. the life and death of large banks and corporations.

Your job for years provided your family a standard of living that ranked among the highest, if not THE highest standard of living in the world. That is no more. Rather job security for most in a delusion. Today, the philosophy of market economy, is that when a person’s skills become outdated, they will be encouraged by their need to generate income to learn new skills or change. Great if you have time, resources (money) and entrepreneurial skills. You say you can’t make the change expected then we know that you are facing a Life and Death struggle. Just to nail this down, consider the political discussion across the country on Health Care. The Health Insurance industry has spent millions of dollars to frame the discussion. They have successfully gotten Single Payer of the table. The industry realizes that it would mean death to them and life for American. Just like the loss of the highest standard of living American are now rank 37th worldwide.

Don’t believe it Click Below http://www.photius.com/rankings/healthranks.html

It use to be that if a large bank or corporation can no longer generate revenues to cover its operations, the theory goes that they would need to change. Management will invent new products and services, cut expenses, renegotiate with creditors through bankruptcy or shut down. Today, they are to BIG TO FAIL! Sonia Sotomayor,as Supreme Court Justice will become the 111th person to hold Supreme Court Justice Chair and she will be the third woman justice. Sotomayor will be sworn in on Saturday, August 8, 2009 by Chief Justice John Roberts at the Supreme Court. I congratulate Ms. Sotomayor. Putting all identifiers aside this person has work tirelessly over many years to achieve the highest office in her profession- a personal triumph!

Given what I have said about the current landscape, Justice Sonia Sotomayor stands as a small whisper of hope to the dilemmas facing us. I pray that she brings all her intellect, strong work ethics, clarity to her Oath to Uphold the Constitution and ushers in a world wind of change back to Life, Liberty and the Pursuit Of Happiness to the People.

7. The Banks are increasing the heat on your unsecured debt. Get out of the pot before you are cooked!
I will get right to the point! For years large corporations have been getting away with violating the Laws of the Land and it gets worse with their BIG bucks they get to make laws that benefit them. Just consider the revised Bankruptcy Law written by the Banking Industry. It should be obvious to American Citizen that it is time to stand up for the RULE OF LAW. You are at home with your credit card bills in one hand and your check book in the other. I didn’t forget the other stack of bills still waiting to be paid. It is time for a different tactic. Whether you know it or not the banks have been playing fast and loose with the law. That is banking law, consumer protection laws, contract law and not to mention the Big C -The American Constitution.

This is no time to continue drinking the cool aide. Put your fears aside. There are solutions. Stop listening to the fear mongers. Yes there are scams out there. You are an adult and don’t need to be told that you need to look both ways at a cross walk. You can take back your power and win back your financial freedom. Asked a lot of questions. Look up the law. Take your time but move forward. We are told that this country is still governed by the rule of law. If you believe that, it is time to fight back and use the resources here and else where. Put your fears way and do fight back. If you don’t the banks will only keep on increasing the heat until the pot boils and you are cooked! Have you seen the Movie Brave Heart, a must see. The point here is that this is the kind of person we our looking for. Our services are powerful and work for you, but you need to be ready to fight back and assert your rights. Listen to the overview which follows. If it makes sense to you go to my website www.creditcardrip.com and complete the contact form. I will have a brief conversation with you and e-mail you all the details for your consideration.

Here is a solution to your unsecured debt. This is an ethical, moral and completely legal program to show you how to get out of the spiraling clinches of “Credit Card Hell” and take back your credit worth reputation. This is NOT-- Debt Consolidation, Debt Settlement, Arbitration or Credit Consumer Counseling. Don’t even think about considering the stigma Bankruptcy would carry for you—and the additional expense that goes with it… Visit us at Credit Card Rest In Peace or call us at (949) 240-7401

We look forward to getting you back in control of your financial future!

Check out my blog at Eliminate-Credit-Card-Debt-Options

8. Your credit scores are much less than perfect?
College students aren’t the only people to fall victim to creditors who seek out those who are most vulnerable. Many credit card issuers extend invitations to individuals whose credit scores are much less than perfect. This is because creditors can charge outrageous interest rates and fees to those who are desperate, thus earning astronomical profits. As a matter of fact, in 2006 credit card issuers earned more than $90 billion in interest alone. Wait – it gets better; in addition to profits earned from interest, credit card companies also earned more than $50 billion from the fees they charged.

http://creditcardrip.com

9. Annoucing the launch of two website on the subject of Credit Card Debt
I am happy to announce the launch of two new websites through the Squidoo network. They are: http://www.squidoo.com/educated-wealth/ and http://www.squidoo.com/credit-card-debt-eliminate . Your patronage and comments are welcomed. You may also refer your friends with credit card debt to these great sites.

10. Debt Consolidation And Debt Negotiation Could Destroy Your Credit And Good Name
Don’t be fooled into fake promises and downright scams of companies promising to slash your credit card debt from 50% to 80%! These "so-called" debt negotiators contact creditors for consumers attempting to work out a “payment plan” for the consumer. ...........Sounds good? It comes with a price. They will either sucker you into charging the amount they were able to get the credit card companies to "forgive" or charge you a percentage of your total debt, while others will charge you an outrageous fee. (This won't repair your credit rating either…..) ..........What they don't tell you is all the while they are "negotiating" on your "so called" behalf, and for your "Consumer Protection" your good name and credit rating continues to be trashed! Here's the other string they don't tell you. When a credit card company writes off the debt as a "charge off" your credit record will still show that the debt was not paid for SEVEN YEARS. Just like bankruptcy does.... or even longer. .............Creditors are in their rights to continue to harm your credit. Unless you legally stop the credit card companies in their tracks and ethically and morally completely eliminate your credit card debt. Yes, you can legally - no Debt Negotiators, Consolidations, Consumer Credit Counseling or Bankruptcy. ..............Let Credit Card Rest In Peace show you how to once and for all eliminate all your credit card debt - Don't delay. Move forward before they change the laws again..........That's why we formed and name our firm Credit Card Rest In Peace (RIP). Visit our website to hear the real truth about the banking industry. All is not lost. It's time to take action and reclaim your good name!

11. Skeptical, Really?
After you have read the following, I would like you to e-mail me your thoughts and concerns here or at http://quikonnex.com/channel/link.php?id=25463................................... As you know we are frequently told by one and all, that we are a "Nation of Laws", we nod and go on about our daily lives, trying to earn a living. But in our quiet moment of introspective thought,we realize we are a nation of power in the hands of "Banks, Oil Interest and Others". We, the American People don't seem to have much of a, "Life, Liberty or Happiness." Do we?............................. Please read the article By JOE LEE and THOMAS PARRISH. Lee is a federal bankruptcy judge in Kentucky and Thomas Parrish is the author of "Roosevelt and Marshall." This article originally appeared in The New York Times from Jan. 20, 2007, 8:42PM................................................ "Dazed And In Debt In The Credit Card Maze" In this Article you will find the following statement, "So the lending goes on. People classed as the "working poor," now beginning to be tapped by the credit card vendors, no doubt constitute a rich supply of coveted potential revolvers — fresh customers for the banks to draw into the credit maze, with its minimums and its unending late fees. In signing the 2005 act, President Bush declared that it would make more credit available to poor people. Unquestionably so. And 30 percent interest was just what they needed, wasn't it?"

12. Think Of Americans ....Are You thinking unhealthy, uninsured people and in debt to credit cards ?
Medical debt is not an isolated hardship that befalls only unhealthy, uninsured people. Rather, it is a common experience that contributes substantially to financial woes, problems in securing or maintaining a home prominent among them. Medical Expenses and Credit Card Debt In collaboration with Demos, The Access Project produced a report in January 2007 titled Borrowing to Stay Healthy documenting how low and middle income households are turning to credit cards to pay for medical care.The report findings are based on a national telephone survey of over 1,100 low and middle income households. Click this link for the entire article at The Access Project http://www.accessproject.org/medical.html#md_creditcard Unsecured Debt Relief... http://www.creditcardrip.com

13. Is your New Years Resolution Getting Free Of Credit Card Debt?
Finance experts say credit card providers (the banks) benefit from customers who are not fully aware of terms and conditions. Bank coffers are overflowing with interest, fees and charges from customers indifferent to the fine print. Or because the lack a magnifying lens, but really who cares about the fine print when the banks have changes the agreement as they go. The nation's credit and charge card debt of $37.3 billion in October is set to soar following the Christmas and new year splurge. It is not too late to get your finances in order, but it does require strategy, discipline, knowledge and backbone.

14. Got the Holiday Blues over Credit Card Bills?
Holiday sales for 2006 are projected to total about $435.3 billion, according to the National Retail Federation. Most of those purchases were made with credit cards. Very soon, millions of people will be sitting there, in stunned silence, looking at those credit card statements with balances much higher than expected. We have a solution for your stunned reaction! http://creditcardrip.com

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