Removing a defaulted student loan from a credit report is difficult, but sometimes it can be negotiated with a loan provider by showing consistent accountability. Learn how to get a defaulted student loan removed from a credit report withtips from a financial consultant in this free video on credit cards and personal finance. Expert: Carrie Kukuda Contact: www.wearehdtv.com Bio: Carrie Kukuda has a business administration degree, and was branch manager of a community bank. Filmmaker: Christopher Rokosz

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With the critical changes in our economy it is nice to know that we might have a long lost uncle out there that may have left us a little money.

This of course is something we all wish would and could happen. But, get this. It is possible that you just might have money out there with your name on it.

Recently, a new boom has developed. Many people are shocked that they actually have money just laying around that is theirs claim. And you wonder how you can too, through a free unclaimed trust fund list.

A free unclaimed trust fund list is actually running around on the world wide web. There are several companies that are now offering services to help find the free unclaimed trust fund for everyone. However, in most cases it does come with a price tag. Most companies that I have come across will give you an initial search free. If these companies do find something for you, then you will be charged a small fee to actually find out where the money is coming from. In most cases that have been found, from around $10.00 a month to over $30.00 a month.

Here are the instructions to get you started on your quest.

* First open up a search engine

* Check out the different sites (find and use those that offer a free search)

* The site starts off by asking your name. Fill in the boxes, if you are woman you get to actually do it twice.

You can check under your maiden name as well.

* After you hit search it will generate the information for you quickly.

* Got to the next site to see if they have any information.

* Some of them are able to find information because there are different lists that each site works from.

Please be careful, make sure that you don’t jump with both feet into the fire and get burned. Make sure you check some of the consumer advocate sites make sure they are a legitimate company. You will be amazed at how many of these companies are. With the free unclaimed trust fund list some that may be scams actually put certain stipulations on the funds, say for example you have to pay them half of what ever you are suppose to receive.

One other bit of information, most of the sites will allow you to do a search on your relatives as well. Just remember there are people out there that might have the same name as you or anyone you know, so make sure you remember this bit of information as well. Have fun looking up the information on the free unclaimed trust fund list, your great uncle may have been a multi-millionaire.

From the research that has been done, there are currently over 600 companies wanting your business. So, this new craze is still a baby by comparison to other things on the internet. Hopefully, your long lost uncle has left you a bundle and you are able to cash in on it. Happy searching!

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What you are about to read is a little bit frightening!

Sometimes people hearing this story from me in seminars and workshops walkout upon hearing this because they become disturbed by what they hear. The truth becomes too difficult to handle. These are smart and otherwise successful people walking out. I don’t blame them for leaving. This is the stuff from the un-manifest realm between miracles and nightmares. Unless you have a strong mind, this can be quite uncomfortable.

I am about to tell you a strange story, and it is a true story of my own journey of self improvement.

As you will find out if you keeping reading, truth is not only stranger than you think, it is stranger than you can think. The world I live in is not quite your everyday world of struggle and fight. The rules are truly different here and I would like to invite you on this amazing journey along with me.

On the morning of September 5, 2004 I received a letter that would change my life forever. I got sued in court. I owed a newspaper company over $20,000 and I had not a penny in my pocket to pay them back. How did I get there? Well that is the question that would eventually turn my life around. Life looked so good just a few months back, I was flying high – successful with business, a string of beautiful women I was dating casually, sold out workshops every month, an apartment overlooking the sea…

It seemed nothing could go wrong. But it did. Just when I thought I figured it all out, destiny stepped in and reminded me – to borrow the words from poet Robert Frost -

The woods are lovely dark and deep

But I have promises to keep

And miles to go before I sleep

And miles to go before I sleep

This is the true story of my life…

A story, if not told, this would all seem like magic. This story that has the potential to change your life forever. This has everything to do with you as it does with me. This is more of an archetypal story that all seekers of light live through at some point or other, in some form or other.

I was not always a success; I definitely was not always wealthy. I used to be a mediocre student all through grade school and high school and I pretty much remained that way in college. For years, especially in college, I suddenly found it very difficult to concentrate on anything positive and I degenerated into failure and substance abuse. I had issues with all the lecturers and professors in the faculty, and I had to drop out of college in my 3rd year. I simply could not continue anymore.

An interesting event happened one day after I dropped out of college… I met this incredible woman one day. I don’t know what it was precisely that made me look at myself and hate what I saw, but I did and I hated. I wanted to speak with her but I felt so dirty; so filthy. In my present state, I was not worthy of speaking with her. I don’t know what it was about her, but she made me look within and begin to redefine my development career goals and personal objectives at that time of my life when I thought that there was nothing more like personal career development in the future for me. It was the beginning of a journey I didn’t even know was about to begin. I was about to be thrown off on a wild adventure beyond my imagination in a very short while… but I didn’t know it yet.

On my 23rd birthday, something unusual happened again… something that had never happened before. I received not a single phone call from anyone who would wish me a “happy birthday”. My Mum forgot. The girl I was dating at the time forgot. My best friend forgot. I stayed up all night wondering if this is how my life is always going to be? Lonely, poor and boring…

Right before the sun came out, I started crying. I cried not because nobody remembered me but because I just couldn’t find the answer to why I had to have such a lousy start. I cried and I cried for so long that I lost track of time. I didn’t go out for days and I didn’t sleep for nights. I never really contemplated suicide but this is when I reached the bottom… a place called zero!

As I tell my students these days, being at zero is an interesting place to be. A lot of miracles tend to happen when you have reached the end of everything. Somehow when you have nothing to lose anymore, life takes a u-turn.

As though out of the blues I realized that I did not have to go down the way that I was. I realized one crucial truth! What will happen for the rest of my life, depends on me, and me only. I decided that things have got to change. It cannot go on like this. I made a definite promise to myself that I am going to do whatever it takes, no matter what, to bring about a change in my life! I concentrated on my personal development and self improvement. And the story soon started to change!

For the next 3 years I went through the wildest roller coaster ride of my life! I went to absolute highs and I was given challenges that almost ruined me. I lost the last few thousand I had saved, went from teacher to teacher, took every possible dumb risk I could, even almost got myself killed twice. But I had made a commitment to do whatever it takes, no matter what. And in these three years, what I experienced and learned… changed my life beyond my wildest dreams!

I changed from this depressed, broken guy to a highly successful teacher, entrepreneur with a super charged love life! I suddenly had more love, more wealth, more happiness than I have ever seen anyone around me experience. I learned the art of manifesting anything I want, including money. At one point I manifested $8000 in 7 days out of thin air for a beach vacation! Random people just came in and paid the money. I’m not joking.

And it wasn’t just me, even my students were able to perform such amazing feats that nobody had any explanation for. Life was fun. I had fun teaching these incredible techniques to my circle of students. And it seemed it was success all the way.

But then came the scary stuff…

There’s a warning to all this positive stuff, this is the bit that frightens people and they want to leave when they hear me saying it. These are intelligent, successful (and sometimes famous) people but they also fall prey to the illusion created by the media and marketing gurus these days… that there is a magic self improvement formula that will enable you to somehow control the universe and help you become instantly rich and solve all your life problems. While formulas such as those definitely exist, they are more likely to ruin you than help you enter the mature realm of the miraculous. It creates a powerful illusion of success that the ego instantly falls in love with. But it doesn’t last. Its just a trap. A trap all warriors of light face at some point or the other. Unless you learn to balance out with proper spiritual disciplines, these magic success formulas can burn you faster than you think possible.

This is the bit you will NOT hear in the mainstream of self improvement industry.

Everything was going great for me as I used these so called “magic laws” but I noticed something strange along with it. Somehow, as the days passed by, I was feeling emptier and emptier. Also the visualizations and the affirmations, the self-talk and the vision boards seemed more and more of a chore than the fun it used to be. Even though I was making more money than I ever did, had more women around me than I ever fantasized, was more famous than I ever believed I could be, something was still missing… somehow, somewhere deep inside my soul kept telling me this is not it, this is not it…

But I was definitely not ready to accept that still, small voice within. If this isn’t it, then what is? This is what all the self help gurus were talking about. This is what changed my life around. But now I am having to face the fact that I might have to begin again and I was not ready for that.

So I did what every human being is tempted to do at these forks of life. I followed the classic formula: when you have success, ignore the heart and everything else that tells you this may be the wrong side of the road. Anything that does not satisfy the ego, ignore it! Well, at least that’s what I tried to do…

In the beginning the distraction worked pretty well. I filled my days with more work, more counseling sessions, more sold out self improvement workshops, more women. But then it began to turn downhill. One of my most profitable businesses in Asia (dealing with electricity generation) went bankrupt due to an unfortunate mechanical accident. This required me to travel a lot trying to clean up the mess (not literally), which resulted in me ignoring another business (low cost housing for the poor) and my partner betraying me, which resulted in a loan default of over $1 million, which all affected my coaching business and workshops… in a nutshell, in just few short months… from being a millionaire I turned almost penniless.

And so it is that I found myself walking into my office that September morning and receiving the letter that I was being sued in court. I didn’t know where to go, I didn’t know what to do, I didn’t know who to ask help from, but worst of all… I didn’t know what to believe anymore.

Are you still here with me? Told you this is the stuff of nightmares!

As I walked on the streets of Singapore that day, I pondered upon something that I found seriously funny: how in the world did I mess up everything so badly? (The situation was anything but funny, but then again, without a sense of humor, isn’t this life a pretty rough place to begin with?)

I remember walking aimlessly and ending up in the 120 year old church right in the middle of Singapore downtown (strange place for a hundred year old church to survive, if you’ve been to Singapore, you’ll know). It was a Sunday afternoon and the mass was in progress.

Although I am neither Christian nor very religious, I found myself sitting down on the stairs outside the big church door. I was feeling more tired than hopeful. I closed my eyes and tried to relax my troubled mind. The sounds all around slowly dissolved away and I was all alone in the depths of my mind.

As I sat there, I was suddenly taken over by an overwhelming sense of sadness. How could this be? How could I have lost everything so fast? How can I turn this situation around? Why aren’t all the magic laws working anymore? And then something completely unexpected happened!

As soon as I asked “Why aren’t the magic laws working any more?”

Something unexpected happened…

As you hear in the movies, a deep voice from the depths of the invisible began to speak (in this case the person delivering the sermon inside). As soon as I asked the above question, I heard the voice reciting…

“And though I speak in the tongues of mortals and of angels, but have not love, I am a noisy gong or a clanging cymbal. And though I have prophetic powers, and understand all mysteries and possess all knowledge, and if I have all faith, so as to remove mountains, but have not love, I am nothing. And even if I give away all my possessions, and if I hand over my body, but have not love, I gain nothing…

Love never fails. But where there are prophecies, they will cease; where there are tongues, they will be silenced; where there is knowledge, it will pass away. For we know in part and we prophesy in part, but when perfection comes, the imperfect disappears.

When I was a child, I talked like a child, I thought like a child, I reasoned like a child. When I became a man, I put childish ways behind me. Now we see but a poor reflection as in a mirror; then we shall see face to face. Now I know in part; then I shall know fully, just as I am fully known.”

I couldn’t believe this! Did someone just answer my question? It certainly appeared so. But what does this mean? What is it trying to say? I was so surprised by the suddenness of the situation that for a while I couldn’t really think. And then it hit me!

It’s true… have I not been enamored by the shortcuts and magic laws and fulfilling all my desires in the shortest possible time? Have I not been more and more distracted by the glamor and glitter that success brought? Knowing what I know about how the ego mind works, how could I dedicate my life towards accumulation of more and more, bigger and better? I suddenly realized how blind and childish the whole game was! The whole thing was an ego trip. The whole game was a trap that only delayed my journey towards my true destiny.

As soon as I realized this, my entire body shook as if I had just awakened from a deep sleep! I couldn’t believe I this. As I sat there, I tried to focus again on the words that were being said inside the church but my mind raced too hard. I couldn’t quite understand the sentences that were being said. So I asked again. I asked…

Why me? What is the next step? Why are all these bad things happening to me? How do I get out of these problems?

With all honesty, I didn’t really expect an answer this time. It was big enough an intervention first time around. To expect such a direct answer again is crazy! And sure enough all I could hear this time was the buses and cars passing by on the street. The speaker inside had finished his sermon and they were preparing for the next event. And I just sat looking blankly into space.

A few minutes passed (it could be a few seconds, I can’t remember) before I realized that I was holding a book in my hands that I brought with me from my office. Without much thought I opened a page and started reading whatever was in front of me:

“All these things shall love do unto you that you may know the secrets of your heart, and in that knowledge become a fragment of Life’s heart. But if in your fear you would seek only love’s peace and love’s pleasure, Then it is better for you that you cover your nakedness and pass out of love’s threshing-floor, Into the season-less world where you shall laugh, but not all of your laughter, and weep, but not all of your tears.”

And so it is that for the first time in my life, I realized a profound truth: I am not alone.

From the depths of my heart I realized that I am being guided, I am being taken care of, that everything that has happened has happened for a reason. And today, now that I look back, I realize that… sometimes a series of “unfortunate events” is nothing but the beginning of an adventure far greater than anything we could anticipate.

That day, I realized something else as well: all our problems and challenges have one and only one purpose – they help us grow beyond what we could grow by ourselves. When we are beset by troubles all around, all we need to do is smile and realize “it’s time to grow” – and then take the next step in the right direction.

So how did I survive all the challenges that I faced at the time?

Unfortunately these are complex topics that needs more explanation than what can be accommodated here on an article. But simply put, it wasn’t easy by any stretch of imagination and it wasn’t some magic formula that solved everything overnight. It was a gradual process of purification, self improvement, personal development and making some pretty scary choices. But somehow along with all these challenges came an Invisible Guidance that always saved me when I really needed help. Always put me in the right place at the right time (or sometimes as it seemed to me back then at the wrong place at at wrong time).

Where did this guidance come from?

It came from everywhere. When you begin to understand the language of the world, the guidance makes itself known through everyone and everything. The secret is paying attention to it. Sometimes the guidance comes from a person or a movie, some other times it can be a book or the scriptures, some other times it can even be an insect or an animal that teaches us something. As I said, it can be anything, the form does not matter. The Intelligence that pervades all reality communicates with us all the time through everything. It is us who are not paying attention.

I was taught that the secret is to first prepare our mind and body in way that we are able to recognize this guidance. Once you have learned to recognize the patterns and synchronicity, in other words messages, the next part is then to always follow the guidance in the face of all obstacles, adversities and more importantly “common sense”.

I had entered a different world altogether and common sense just wasn’t helping anymore. It was trusting my heart and the synchronicity that showed me the way through darkness. It was always having the faith – that if you take the right step in the right direction, in the end you always win, no matter how insurmountable the obstacles appear – that led me through the way.

Now here is the good news…

Having survived all the challenges mentioned above and then some, having traveled through a world that can only be explained as the realm of the miraculous, I am happy to confirm with you that there exists more magic and miracles – in this world of mortgage, lawyers, wars and famines – than they can ever show you on movies like Harry Potter.

In the end the magic formula is very simple: if you are brave enough to follow your heart, if you persistently keep taking the steps, in the right direction, with the right map and the help of the right teachers, you will be guided in on your journey. It’s as simple as you could ever have it.

And if you are in a stage of life where you need some quick help, here is what I can tell you…

Everything is possible! As long as you are willing to work for it. Don’t give up, keep trying. But try smart rather than hard. Surround yourself with books, tapes, audio, video, people that will inspire you continuously. Keep studying like a mad person. Read at least 1 book on success, goal setting, human psychology or personal development per week. Stay away from all negative influences like the newspaper and TV. Follow this formula for 6 months continuously and watch how your life changes.

Start with setting small goals, bite sized, achieve them, then go for slightly bigger, then bigger, then even bigger. Don’t try to run 30km in one day when you are overweight and never ran more than 30 yards in life. If you want to run a marathon, you have to train yourself slowly. Run 1km first. Congratulate yourself, celebrate, then keep training…

Focus on principles of self improvement rather than tricks and techniques, shortcuts and easy way outs.

And before you know it, life will suddenly make a u-turn!

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A college degree is an advantage in today’s workforce. The number and of jobs available for college graduates is much greater and they often have higher salary and benefits.

Availability of Jobs

The number of jobs that require a college degree or where a college education is an advantage is increasing. In previous generations, there were many levels of jobs available for those without a college education or in some cases, even a high school diploma. However now many of these jobs simply do not exist any longer, or now require college education.

Industrial jobs, trades and skilled labor were more prevalent before the rise of computer technology. Now many industries require a smaller workforce because of technological advances. Even though not as many assembly line workers are needed, there are many jobs available in engineering, management and business administration in which a college education is an advantage.

Types of Jobs

The advantages of a college degree in scientific, manufacturing and engineering fields are very strong. College students can now study highly specialized science related degrees that apply directly to business settings. Safety engineering, environmental science and DNA analytics are examples of highly specialized fields that have become in demand in just the past 10 years or so.

One of the advantages of a college education is that students become aware of many subjects and fields that they never would have considered without going to college. Students are required to take a variety of basic education courses such as math, sciences, literature and basic computing. Electives are also required and students may take a course that just sounds interesting or appealing to them. Often students discover during one of these courses that they have a talent and/or passion for a subject and begin to understand its potential in the job marketplace.

While obtaining a specialized degree is necessary in some fields, sometimes just having a college education is an advantage, regardless of the field of study. Employers want to know that their employees have a well rounded basic education. The advantages of a college degree will be proven when your resume is chosen over those who did not make the commitment to complete their education.

Salary & Benefits

The advantage of a college degree equals to higher wages and salaries. In the Winter 2004-05 Occupational Outlook Quarterly, The US Department of Labor reported that “In 2003, workers who had a bachelor’s degree had median weekly earnings of $900, compared with $554 a week for high school graduates–that’s a difference of $346 per week, or a 62 percent jump in median earnings.” These figures are a bold statement that the advantage of a college degree is its increased earning power.

Job seekers will also find that positions that may not actually require a college education will still pay more to those who have a degree. Jobs seekers with a college education will still earn higher salaries, even when the degree is not directly required for the job.

The jobs that do not require a college education often have fewer benefits. These jobs often provide no retirement or health insurance benefits which are imperative to financial security and the stability of the family.

The Advantage of a College Degree: Conclusion

Attending and graduating from college is the best way to prepare for a career that pays well and provides a means to a secure future. If you are determined and hard working, you can complete your education and begin a career that will provide now and pave the way to a secure retirement.

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The very best way to manage debt is to be debt-free, yet that is easier said than done in today’s economy. However, when it comes to paying for your college education, acquiring debt or student loans to afford the tuition cannot be avoided for many students.

In planning for the successful repayment of your student loan many things must be taken into consideration. To get ahead of the game you should plan to repay the loan before you sign the first promissory note. In a perfect world this might be the case, quite the contrary most student do not consider repayment until after they have graduated from college and land their first job.

Here are some suggested tips to help you make plans to deal with your student loan effectively to ensure repayment success.

Tip #1: You Do the Leg Work

All loans are not equally created. Some loans offer repayment incentives while you are still attending college; this bonus in some cases can be extended even after you have graduated. On the other hand, there are loans that provide no such stipend and the loans are due shortly after you have graduated college. For example, the Federal Family Education Loan Program (FFELP) loan charges a 3% loan origination fee; one stimulus is the proposal to pay this fee for students. The student in-turn has more money to off-set the cost for books, school supplies and living expenses.

An example of the incentive after graduation would be the fact that you could qualify for reduced interest rates. Also, should a student want to repay the loan through an automatic withdrawal system, like payroll deduction, for example, the probability of receiving this incentive is even greater? As you can see, there are notable differences in each student loan; that is why it is necessary to ensure that you have a thorough understanding of what each loan offer; and choose the one that provides the best incentives.

Tip #2: Read Your Mail

Typically, student borrowers get tons of information concerning the student loan. The student receives mail, normally, immediately prior to, throughout and following graduation from college. Consequently, it is crucial that you read through the entire stack of mail carefully. Therefore, if you have concerns, or there is information you do not understand; by knowing what is going on now you can get the problem resolved right away. Remember, it is necessary to ask if things are not clear, don’t ignore the mail or you might miss out on a critical deadline or important information you need to act on concerning the loans.

Tip #3: Organize that Mountain of Paperwork

Save all of your student loan paperwork and correspondences, as soon as you get it in the mail in the mail. That way, you are going to know exactly what you agreed to, what is expected from you at loan repayment, and also to remind you how much you have borrowed, which is extremely important. It is interesting how signing the promissory note for your loan is so exciting, repaying the loan seems far away, but only for a while. Four years of college pass by quicker than you think. Before you know it, you are graduating, and the student loan repayment is glaring you in the face.

Organization and having the ability to put your fingertips on the loan paperwork will assist in alleviating a lot of the panic. To make things easy for you, begin by establishing a good, easy to use, record-keeping system in which you are able to keep your student loan paperwork and correspondence. The bookstores and libraries have books and software products on personal finance and organization that will help you get going. No matter what filing system you choose, whether document folders, binders, portfolios, or envelopes, create one file for each loan or account you have, and keep your items categorized appropriately. Additionally, while organizing your record-keeping system, make sure that it is safe. The record-keeping system should be kept free from thieves or fire. A number of professionals also recommend that you need to keep your student loan documents and correspondences until they are all totally paid off. This is what you need to keep a record of.

*Essential paperwork like your college student loan applications, promissory notes, disbursement and disclosure statements, and also loan transfer notices. * Copies of all correspondences concerning your student loan company and/or servicing company, such as your school’s financial aid office. * Contact and phone number of the loan provider.

Tip #4: Be Present at all Required Entrance and Exit Sessions

When you take out a student loan, you will have to complete the student loan counseling sessions. Some schools give this on-line and the sessions will not require a considerable amount of your time. They will give you a significant amount of information concerning your rights as well as your obligations as a student borrower.

Tip #5: Budget Finances Like a Pro

The adage when you live to impress when you are in school, you might live like a pauper when you have completed your degree. Quite simply, it is essential that you learn the best way to manage your hard earned money when you are going to school. Frugality can help you reduce the amount of the loan you apply for; as well as reduce the total amount you are going to be responsible for paying back. Here are a few sensible techniques worth taking into consideration:

* Prepare realistic budgets while you are going to school and even after you graduate. This will probably enable you to borrow only what you need, providing you an excellent opportunity to pay back the loans. * Learn how to live as inexpensively as possible. Bear in mind you are only a college student. You can enjoy a much more trouble-free life if you graduate with little to no financial debt. Many excellent tips on how to be cash conscious include finding a roommate, renting a video rather than going to the theater, and taking your lunch from home rather than going out to restaurants.

Thriftiness is the name of the game, so be as thrifty as you possibly can. * For virtually any credit card debts you receive, try to pay off the total amount due. * Set up a financial budget for yourself and stick to it. As long as you are in college, it will be beneficial to see how you can avoid the desire of using credit cards or your student loan money to purchase items that are not contained in your spending budget. Never simply purchase unneeded items. * If at all possible, check out work-study or other part-time job. Finding a part-time job will give you the chance to gain useful specialized experience, as well as providing additional income to cover expenses.

Tip #6: Retain at least Half-Time Enrollment

If you are thinking about half-time enrollment, it is essential to ensure that you are eligible for an in-school deferment. The part-time enrollment usually takes six credit hours. Check with you educational institution requirements concerning the prerequisites for half-time standing.

Tip #7: Make the most of Tax Cost savings

A number of college students who take out student education loans qualify for tax breaks. To determine your status, seek advice from your tax consultant. The breaks are now determined by your qualified college tuition repayments, and in addition, they will help decrease how much Federal tax you have to pay. If you are paying interest on a student loan, it is possible to receive a deduction on your individual Federal tax return for all interest payments. When, you get the advantage of the tax credit as well as the deductions, use the extra tax reimbursement to pay down your student loan, or to take care of the educational expenses.

Tip # 8: Show Me the Money

College graduations is now behind you and your new careers looms just ahead, but guess what; it is now time to repay those student loans. Some loans come due soon after college graduation while other loans allow a bit of time before repayment is due. The bottom line is the loan will have to be paid. Here are some recommendations when you enter the repayment period:

* Submit the loan payment as soon as it is due each month for the full payment amount or even more. This should be done no matter whether you receive a monthly bill or not. *Understand the pay off alternatives offered by your student loan lenders. One option allow you to decrease the loan by making larger monthly payments, and other option allow you reduce your initial monthly bills by making it easier to repay the loan early in your career.

*Contact your lender and inform them immediately of any change in your name or address; if you have questions about your college bill; making payments on time is a problem; loan deferment or forbearance might be needed to help you through a financial crisis. *Make sure you clearly comprehend all mail you receive from your student loan lender and respond immediately when notified. For Further Information concerning your student loans, always remember that the financial-aid office at your school should be your first point of contact. Additionally, there are a number of publications from the Federal and state governments, lenders and college admissions office, libraries and your local bookstore.

Here’s to your success!

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The typical American household budget percentage breakdown looks like the list below. For most of the categories a range is shown. A range makes more sense to help you see where your personal budget fits (or doesn’t fit.) If your budget doesn’t fit the typical American household budget, rejoice! The average American household budget is jacked up – we carry too much debt and we just don’t save enough. We’re so worried about our neighbor’s new pool, our co-worker’s new car and our friend’s new designer shoes that we spend more than we earn to try and keep up. But take heart! Review the percentages below, compare your household budget and then read on to find out how you can move yourself into the elite minority of Americans who have mastered where their money goes.

Typical Household Budget Percentages

33-38% Housing (59%-66% of this is on shelter – mortgage interest, property taxes, repairs, and rent, and other items)
15-19% Transportation (up to half of this is vehicle purchase – 2 cars per household average)
13-14% Food Budget (55% at home, 45% away)
0-2% Alcohol
0-3% Tobacco and related products
0-2% Caffeine related products
4-5% On clothing and related services (drycleaning)
4.5 – 6% on out of pocket Health Care
9% Personal Insurance and Pensions (breakdown: 1% life and other personal insurance, 7.5% Social Security, .5% investment
5% Entertainment
2.5% Charitable Contributions
2% Reading and Education
1% Personal Care products and services
2% Miscellaneous
4% Credit Card, Consumer Loan Interest

If your budget closely matches the above, here’s what you can do to fix that. Do these in order. Do not proceed to the next step until you’ve addressed the current step:

Stop using your @#!&*! credit cards!
Make a down and dirty budget right away! Don’t worry about it being right at first…you can perfect it over time. Just do it!
Cut back on your easy to identify, frivolous spending habits (3 dollar lattes, magazines, 450 extra satellite channels, etc.) If you’ve got some expensive habits you’ve wanted to quit for some time, now’s the time. For example, if you’re a hard-drinkin’, chain smokin’, coffee drinkin’ fool, you can reap a windfall of up to 7% or more of your income! Just cutting back to 2 drinks per day, only drinking coffee from home and quitting the cigarettes will net you a nice amount of extra cash and add years to your life! Refine your budget after eliminating what you can.
Reduce your 401K and other investment payments (if you have any) to the minimum allowable to keep your 401K and/or other investment accounts open. If your employer has a stock matching plan, keep that in addition to the minimum to keep your investments accounts open (but only up to the minimum you need to get all the matching money.) You’re going to reap a whole lot more return on paying off your debts than you can ever hope to reasonably get from traditional investments. If you’re paying into a college fund for your kids – keep doing that – if you’re not and you really want to, hold off until step 6. Refine your budget to reflect the extra income available, if any.
Build an emergency fund equal to 2% of your gross annual income. It should be a little hard to get to (like a separate checking account or mutual fund), but not too difficult (Certificate of Deposit.) Work this into your budget – it’s very important. You will not believe the amount of stress that will melt away when you do this.
Pay off your debts – everything except mortgages. And don’t just move your revolving debt into a second or third mortgage – that’s bad. Pay them off using a rapid debt paydown system. Pay off any student loans (for future reference, these are a bad idea.) Pay off your car(s) too. If you’re not upside down on a car loan (your car is worth more than you owe) you can sell it and get a cheaper, paid for car. Throw a small (inexpensive but fun) party for yourself and your loved ones every time you pay off a debt.
Take all the money you WERE spending to pay off your non-mortgage debt and start putting it into those investment accounts you put on idle. Make sure you’re investing at least 10% of your gross income. If you followed steps 1-4 exactly, you should have lots of breathing room in your budget now. If this is true and you want to invest more than 10%, go ahead, but be sure to reward yourself too and live a little. Grow your emergency fund to a level you’re comfortable with (2 or more months of income is a good start.) If you have young kids and you want to send them to college, start putting money into a college fund of your choice for them, if you haven’t already. Throw a bigger party than usual when this is done.
Pay off your mortgage and throw your biggest party yet! You can start towards this by refinancing to a single fixed rate mortgage (your credit should be in pretty good shape having paid off all your other debts.) If it’s a 30 year mortgage, pay more than your monthly payment to dramatically lower the amount of interest you give to the bank. If it’s a 15 year fixed – wow! That’s excellent!
When you’re totally debt free, regularly give away whatever you think you can afford. It’s good for the soul!

Easy? Not. Worth it? Doing the above will pay dividends in your life in many more ways than just dollars and cents. You will assure yourself a dignified and financially secure retirement. Do this well and you will also build a way for your kids and your grandkids to enjoy prosperous lives, and they will remember you with fondness and respect long after you’ve moved on to the other side. Now get started!

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Capitalism: Success, Crisis and Reform (PLSC 270) Professor Rae discusses the subprime mortgage crisis. Major actors are presented and analyzed, including homebuyers, brokers, appraisers, lenders, i-banks, and rating and government agencies. Major actors’ incentives and risks are assessed. Professor Rae also presents a brief history of government involvement in mortgage markets. Deregulation of the industry and its consequences are explored, and Professor Rae facilitates a discussion on apportioning blame for the collapse of the US housing market. Complete course materials are available at the Open Yale Courses website: open.yale.edu This course was recorded in Fall 2009.

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Resume consideration of HR 2219–Department of Defense Appropriations Act, 2012.

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Robert: Menard has released another very informative film for all to learn from! This time he gets into some seriouse police state issues, Death and Tasers. Real life court experiences, Freeman victories. There’s interviews, Rob on stage, street and police footage. He covers a lot of ground on policing issues, unravelling the behind-the-scenes manipulation the police are programmed with. Ever wonder what that number on the back of your Birth Certificate is. Its your Bond that they created when your birth was registered. Learn how to pay or off-set debt ie student loans, traffic tickets etc., by accessing your Bond = Security of the Person. Learn the Governmental Deception. Learn the difference between English and Legalese. Find out that the courts are not Courts of Justice but of Commerece and run not on Common Law but the Law of the High Sea’s = Maritime Law = Admiralty Law. Find out about the artificial Entity they Created with your Name ( all in High cap’s) when your parents registered you. Dear Viewers, please know that I do not hold the same stance as Robert: Menard on Marajauna. I am a Bible Believing Christain and have no room in my life for Drugs. But there is a lot of good information in this video so eat the meat and throw away the bones. God Bless.

http://www.youtube.com/watch?v=4cdTMKmlKXo&hl=en

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