dental articles from 2 Dental.com

By: Ellen Rohr
Consistent, disciplined effort wins the race…

As a consultant, I encounter resistance to solid advice. “Do THIS,” I suggest, “and you can make more money.” Most of my clients take the advice and the proof is in the pudding. They make more money. They pay down debt. They build wealth. Some don’t. I can relate to the rebels. I, too, hate having to do something…even when I know it is the right thing to do!

One of the biggest challenges I encounter is the suffocating burden of debt. Money buys options. Debt eliminates options. Do you struggle under the mounting pressure of debt…personally and/or in your business? You are not alone. The statistics on debt are troubling:

• The average American household has 13 payment cards (credit cards, loan payments and store cards.)

• Americans carry, on average, $8,000 in credit card debt from month to month. If you were to make only the minimum monthly payment on that debt, at 18% interest, it would take 25 years to pay off and cost you more than $24,000 in total.

• 46% of all Americans have less than $10,000 saved for their retirement.

• 96% of all Americans will retire financially dependent on the government, family or charity.

• Only 2% of all homes in America are paid for.

I got these statistics from a website offering debt consolidation services. Unfortunately, most folks misunderstand and misuse these services…and get further into debt. These services can be creditors in disguise.

Here’s the good news. You can get out of debt. It’s EASY to do. IF…you follow this system EXACTLY.

Step One: Get to a KFP – Known Financial Position. Clean up your business Balance Sheet. Create a personal, family Balance Sheet. Have your Bean Team help you, or give me a call. The section called Liabilities is what you owe; it’s your total debt. Once you know, you can start bringing that number down. I know it’s scary. However, knowing is better than not knowing. You can always improve the situation if you are willing to confront it.

Step Two: Start selling at the right price. Include debt reduction dollars in your Budget. Your customers will have to assume some of the burden of your debt in order for you to create dollars to pay it off. Include in your selling price enough salary to contribute to paying off your personal debt and enough profit to pay down your company debt. Much of the debt I see in my consulting work is a result of hardworking owners trying to get by on too little. If you haven’t charged enough in the past, you may have used debt to just get by.

Step Three: Stop buying stuff on credit. On a recent episode of Saturday Night Live they aired a ’spoof’ TV commercial for a new debt reduction book called, “Quit Buying Stuff You Can’t Pay For.” It was a one page book with one sentence on the page: Quit buying stuff you can’t pay for.

Step Four: Read The Richest Man in Babylon by George Clason. This slim book uses a story to teach the basics about reducing debt and increasing your wealth. This timeless classic was written during the Depression and offers spot-on advice for today.

Step Five: Talk to your creditors. You may be able to work out a better interest rate or payment schedule. Your creditors don’t want you to declare bankruptcy. Talk to the owner or general manager of your supply house. Work with the credit agents for your store cards. Let them know you have a plan and that you are committed to paying off the balance.

Step Six: Start saving. A little bit every month adds up. Start with whatever you will commit to…$100 is better than nothing.

Step Seven: Systematically pay down debt. This is the easy-hard part. It is easy to do it. The problem is it is easier NOT to do it. Put together a grid of all your debt.

We carry around all kinds of emotional and psychological baggage. Maybe Momma always told you what to do and you are still fighting Momma. Maybe you are in denial about what you really owe. Debt management counselor David Huffman claims, “97% of people don’t know what they owe. No one ever taught them ‘Money 101′ of ‘Debt 101.’ That’s why they are broke and getting deeper and deeper into debt.” Whatever. Get over it and get disciplined. Now you know. Put this system in place today. And bring down your DEBT.

Are you ready to make more money? To bring down your debt? I would be delighted to send you a FREE customizable Excel file of a debt reduction grid form. Just go to www.barebonesbiz.com Fill out the Contact Us page and request the Debt Reduction Form. We will send it to you via email…no charge. I am here to help you bring down debt and increase your FREEDOM!
About the Author:
Ready to make more money? Go to http://www.barebonesbiz.com and sign up to receive the latest information on our free monthly Teleseminars, Biz Exposes and New Bare Bones Biz Products.

By: Michael W
To most of the fresh graduates out there, it is a painful issue to pay back the loans they have taken to support their college or university studies. If you are currently paying multiple interest rates to multiple loan agencies, you should know how that feels. Have you ever imagine that you can save thousands of dollars by consolidating your student loans? In fact, you can either go for federal student loan consolidation or private student loan consolidation.

Loan agencies

As the name implies, federal loan consolidation is offered by the federal government. It doesn’t need credit check or co-signer (guarantor) because this loan consolidation program is protected by the federal government.

Private student loan consolidation is offered by banks, loan agencies or credit unions. And depending on the loan agencies, you might need to provide a co-signer or get your credit history check.

How they work

Both programs are meant to combine the multiple loans you have into one loan and extend your loan period so that you can enjoy lower monthly payment. For federal student loan consolidation program, you can only combine your federal loans. But for private student loan consolidation, it is possible to consolidate your student loans together with your personal loans.

Besides that, when you are going for federal student loan consolidation, your interest rate will be lock at the current low interest rate for the whole loan period. For private student loan consolidation however, your interest rate might fluctuate with the market rate. You can try to talk to the loan agency to look at the possibility of getting the lowest interest rate.

Advantages

You can improve your credit score when you consolidate your student loans with both programs. This is because when you have consolidated your loans, you are being seen as servicing one single loan instead of multiple loans.

It is said that you will enjoy lower interest rate with federal loan consolidation. However, you can negotiate with the private loan agencies to see if there is any alternative for you to get a better interest rate.

And for your information, you are allowed to consolidate once with private agency and once with federal agency. So, think properly before you sign up for any student loan consolidation program.
About the Author:

To learn much more about student loan consolidation, visit StudentLoanConsolidationHowTo.blogspot.com where you will find this and much more including student loan consolidation comparison.

By: Tom Wheelwright

Temporary Tax Savings These are the type of tax savings where you save taxes today but must pay them later. In other words, the tax is being deferred. Temporary savings can be helpful in a tax strategy, but even better is….

Permanent Tax Savings These are my favorite type because they eliminate tax!

So how do you create permanent tax savings? Let me first start with a question:

Did You Consider…? Think about the next trip you are taking. Did you consider if it could be a tax deduction?

A. Yes B. No, but I’ve always wondered about this C. No, my tax advisor tells me this is not possible

What Does Your Answer Say About Your Tax Strategy Creating Permanent Tax Savings?

Answer A Congratulations! Your tax strategy is successful regarding travel deductions. Even if it ends up not being deductible, at least you knew to ask the question.

Answer B You are thinking about it and ready to do something different.

Answer C You could be missing out on significant tax deductions resulting in paying too much tax!

Creating Permanent Tax Savings When you are able to turn your current non-deductible expenses into deductible expenses! The secret is knowing to ask the question and knowing what makes a particular expense deductible.

Every dollar you spend is certainly not going to be deductible, but it’s always shocking how many people don’t consider the possibility that an expense may be deductible.

The most successful tax strategies include the possibility that any expense may be deductible. It’s simply a matter of determining how it can be deducted and if that fits with the strategy.

Think about all the different expenses you have when you travel:

Airfare Cabs Hotels Tips Parking Rental cars Meals

The list can go on and on and we all know it adds up. This is why it is so important to look at ALL of your expenses!

Want to Know Even More Ways to Create Permanent Tax Savings? I’m so excited to share this information! I’ve launched my new 5-week teleseminar course. It starts June 9th and I spend the second week on creating permanent tax savings

Behind Every Secret Remember, behind every one of my secrets is knowledge – the type of knowledge that makes you aware of what creates massive tax savings so you begin to see your daily routine a little differently…like how to turn your non-deductible expenses into permanent tax savings!
About the Author:
Tom is the creative force behind ProVision Wealth Strategists. For more than 25 years, Tom has devised innovative tax, business and wealth strategies for sophisticated investors and business owners in the manufacturing, real estate and high tech fields. Tom has a wide variety of professional experience, ranging from Big 4 accounting, where he managed the professional training for thousands of CPA’s in the national office to in-house tax advisor for a Fortune 1000 company. Tom is a published author on partnership and corporation tax strategies and his ideas have been featured in two books in the Rich Dad Poor Dad™ series. In addition to his frequent lectures on wealth and tax strategies, Tom is an adjunct professor in the Masters of Tax program at Arizona State University. The founder of ProVision, Tom is responsible for innovating new consulting services for ProVision’s premium clientele and for marketing ProVision services worldwide. In addition to his management responsibilities, Tom still likes to coach select clients on their wealth, business and tax strategies. Tom has his master’s degree in taxation from the University of Texas at Austin and his Bachelor of Arts degree from the University of Utah.

It’s quite frustrating to experience indebtedness as well as experience foreclosure. You might as well would like to think that this would be one phase in life that you will be faced with challenges but you can’t stop yourself from thinking and hoping that you’ll get over it soon. You might as well be wondering what options you can get access with on how to rebuild credit after experiencing for a loan or credit. You may be thinking what you could have done wrong to bring you to this situation. You should be able to understand that in loaning for a house you should be sustained by your finances for a long period of time. You cannot just loan for a house without knowing if you are capable to sustain your finances for a very long time. must have an understanding on how to rebuild credit consequently after a foreclosure and if you’re thinking if this is possible, is that you should pay off your debts first. If you are not that ready to file bankruptcy immediately after any foreclosure events, then you can look into this option. You may not find this that much comfortable although this would be a good help. If you’re wondering how to rebuild credit fast, but it really is not about how easy it is. You probably found obtaining for a loan somewhat a process that would take sometime. So if you are in debt and you would like to know how to rebuild credit consequently, it may not be possible to rebuild credit that fast for it entails hard work although and determination to do so. You have to learn this lesson the hard way. To answer the question on how to rebuild credit if you are going through a foreclosure is to pay your debts accordingly. So if you do not have that much finances to look into, you need to look for a second job or a third maybe to keep up with your finances. If not, then you have to look into other alternatives on how to rebuild credit. You may find other options, all you need to do is to make sure that they would work best for you. In having the right determination on how to rebuild credit, you must find ways to accomplish this. You may find it not that easy to gain with effort but eventually with that hard work you’ll be able to build up your credibility as well as your credit status.

By: wesvista

If you are of the many people suffering from bad credit, don’t worry about your bad credit rating. Instead, you have to work to raise your credit score. There are various steps to follow to raise credit score, where the first one is to get a free copy of the credit report.

You have to get a copy to ensure that the information on it is accurate. Inaccurate information can give you a bad credit score. Any errors have to be immediately informed to the three credit bureaus through dispute letters mentioning the said errors.

It is important that you pay your bills on time so that you raise credit score. Your payment history accounts for 35% of your credit score, where the latest payments you make carry maximum wait on your credit score. Even a single missed payment can lead to a decrease of your credit score by 50 to 100 points.

Work at reducing current debt

The next thing to do to raise credit score is to work at reducing your current debt as quickly and as much as possible. And if there is a large gap between the amount of debt your card carries and the card’s credit limit, your credit score tends to increase much more.

Though you may think that closing of old credit accounts help in raising your credit score, this is not so. This is because today’s credit scoring methods punish you when you close your accounts as it tends to reduce the distance between your credit limit and your debt. This thus reduces and not raises your credit score.

You can never raise your credit score by filing for bankruptcy as it only damages and at times, destroys your credit score. In fact, you will reduce your credit score by a minimum of 200 or more points which will be difficult to recover as bankruptcies remain on the credit report for a minimum of seven years.
About the Author:

By following the tips and techniques here and on http://TipsforFastCreditRepair.com, you will be able to considerably raise credit score and get a good credit rating.

by Stuart Hunter

The majority of Americans have errors and other unverifiable information on their credit reports that could be dragging down their credit score. Odds are good that your credit score is lower than it should be. The unfortunate thing is that odds are you will be yet another one of the millions of Americans who will continue to suffer with an unfair credit score because you will do nothing to repair your credit.

Most Americans want to believe the credit reporting system works; that people earn their bad credit and there is nothing they can do about it but wait for seven years. But study after study shows the credit reporting system frequently does not work. This is why the Fair Credit Reporting Act and other consumer protection legislation give you the right to do something about it – the right to make sure your credit score is as good as it can be.

So why is it that, though everyone has the right to dispute the negative items in their credit reports, very few people do? It certainly can’t be because they don’t understand the importance of a high credit score. After all, it doesn’t take a genius to figure out the benefits of a good credit score when it can be the difference between paying $2,500/month and $2,000/month for the exact same house.

More likely, the reason people do not repair their credit is a mix of apathy and lack of understanding of the credit reporting system. Too many people assume the credit reporting system is some official government bureaucracy with an extensive system of checks and balances designed to ensure the safekeeping of their credit history. This couldn’t be further from the truth.

The credit bureaus at the center of the credit reporting system are not official organizations. Instead, they are massive, for-profit corporations that collect personal information from your creditors and make money by selling this information in the form of your credit reports.

So now you are asking yourself, how do they ensure this information is correct? If a creditor reports something that is wrong, how do the credit bureaus make sure it doesn’t end up on your credit reports?

The answer to both of these questions is: they don’t. Your creditors report information, the credit bureaus record it, and for most people, the story ends there.

Nobody at the credit bureaus or in the government is going to make sure your credit reports are accurate. The way the credit reporting system is set up, there is only one person who will ever bother to check up on your credit reports – and that person is you. You are the missing, and ultimately the most important, piece of the credit reporting puzzle.

Making sure your credit score is where it should be is your responsibility and repairing your credit reports is a task you will have to initiate because no one out there will do it for you.

It is your right and your responsibility to dispute the questionable negative items in your credit reports and the sooner you start, the better. You can work to repair your credit on your own or you can enlist the help of a credit repair law firm like Lexington Law.

Whether you attempt to repair your credit on your own or with the help of a credit repair expert, by taking an active role in the credit reporting system, you can ensure your credit score is as good as it can be and that you have the advantage over the millions of people out there with bad credit who haven’t taken action to do anything about it.

About the Author

Lexington Law is a consumer advocacy law for that focuses on credit report repair. In practice since 1991, Lexington Law has helped over 400,000 clients take control of their credit.

by Debra Proctor

If you’re losing sleep, are anxious and worried because you are deep in debt and are afraid that you won’t ever get out, here are some debt relief solutions to help you through this difficult situation. Some of the best solutions are creating a realistic budget, consolidating your debts, hiring a credit counselor, debt management plans and as a last resort, bankruptcy. No one knows your current situation better than you so in this article, we’ll explore each of these solutions to see which best suits your situation.

The first step or solution to explore is creating a realistic budget. This is most often the cause of debt. Too often people just don’t take the time to sit down and put on paper what their total income is and what their total monthly expenses are. Therefore, they overspend. If you think a budget would help you control your spending, thus your debt, the first thing you need to do is develope a realistic budget. Write down exactly how much money you have coming in each and every month. Be sure to list your income from all sources, but only if you can depend on that money being there and put into your account every month. That’s the fun part. Now, the not so fun part; list all the expenses that you have. Expenses can be divided into two parts; fixed expenses and expenses that vary. The fixed expenses are those that are the same each and every month like your mortgage payment or rent, car payment and insurance. Expenses that vary are miscellaneous like recreation, clothing, unexpected fees for kids activities etc. The goal is to make sure you have more income than expenses. If you don’t, you need to look at the expenses in the category that varies and decide where you can cut expenses; save on the utility bill, forego the movies or concerts, eat out less often or not at all, fix less expensive dinners, don’t buy unnecessary clothes or accessories. In general, make do with what you have.

Debt consolidation is just what the name implies. This option may be able to lower your cost of credit by consolidating your debt through a second mortgage or home equity line of credit. These loans require you to put up your home as collateral. There is the possibility of losing your home if you can’t make the payments or they are late. Look for debt consolitdation companies locally or on the internet. Make sure they are reputable and read all the fine print before signing any agreement.

The third solution to help you get some debt relief is credit counseling. Credit counselors will sit down with you, advise you on managing your money, assess you situation and help you create a workable budget if you are having trouble doing this on your own. They will also help you work out a repayment plan with your creditors often trying to lower interest payments or suspend payments temporarily. Keeping track of your mounting bills is also part of their services. Look for credit counselors in the phone book or on the internet. Try to find counseling that is done in person. Do a check on them and make sure they are reputable, trained in the areas of consumer credit and money management.
DMPs or Debt Management Plans are very helpful to some people and are sometimes the only way to get out of debt short of filing bankruptcy. DMPs are not counseling. With Debt Management Plans, you deposit money each month with the credit counseling organization. They pay your unsecured debts according to a payment schedule they develop with your creditors. The creditors may agree to lower your interest rates or waive certain fees. Before you agree to do this, find out how long it will take to complete the plan until all of your debts are paid off. You may have to agree to not apply for or use credit until bills are paid off.

Personal bankruptcy is considered the last resort because the results are long-lasting. Bankruptcy stays on your credit report for 10 years and makes it difficult to obtain credit, buy a home, get life insurance, or sometimes get a job. While this doesn’t sound too good, it is a legal procedure that offers fresh start. There are tow types of personal bankruptcy; Chapter 13 and Chapter 7. Both must be filed in federal bankruptcy court and the filing fees for Chapter 13 is around $183 and $200 for Chapter 7. Of course, attorney fees are additional and vary.

So you see, there are several debt relief solution that will help you. By choosing the solution that best fits your current situation, you can reduce or get out of debt and with careful budgeting it is very possible to stay out of debt permanently.

About the Author

For more detailed information on debt relief solutions, budgeting, debt consolidation, debt management, and bankruptcy go to http:www.debt-relief-advice.info

Debt picture

In the United States, the financial pinch continues to worsen for most of the working class. Fuel prices continue to increase, food prices are increasing. Interest rates are moving upward again, particularly on credit cards. In some instances, a debt consolidation loan may be the best solution, at least in the short term to the financial stress. A loan such as this helps to stabilize the economic situation for the individual who is over extended and allows them to improve their financial picture. Reducing the stress level will do much toward allowing a debt-ridden individual to see alternatives which will improve fiscal management.

Convenient terms

When an individual has several payments with varying payment sizes and dates, it become too easy to miss a payment or to pay a wrong amount. This will cause penalties and fees to add to the outstanding balance which can in turn lead to over limit charges and penalties. With a debt consolidation loan, you only have a single payment date and a fixed payment amount to keep track of. Better management of your payment history helps improve your credit score. With a better credit history and better financial awareness, you may just be able to turn your financial future in a totally new direction.

Lower Interest

One of the main advantages to obtaining a debt consolidation loan is that of lower interest payments. When the high interest credit card debt is replaced by a single loan with a lower interest rate, you know your financial picture is going to be brighter. The monthly payments are likely to be lower than the total of the individual payments and of course, the total amount in interest paid over the course of the loan is much less. With this in mind, a better financial plan is more than likely.

Repayment period

Stability in the repayment of the debt consolidation loan is another prime advantage of the financial tool. You know from the beginning at the time you finalize the loan what your payments will be and how long the loan period will last. You have the ability to plan ahead and to stay on target with your financial plan. Because the repayment period tends to be less than a somewhat open ended credit card debt balance, you are able to be finished with the debt at a foreseeable point in the near future.

Being proactive rather than reactive

A debt consolidation loan is a wonderful way to feel that you are in charge of your financial future. So often, when you charge items on your credit card and increase the balances on two or more cards to the point where you are looking at finding more cards rather than paying off the ones you have, your view of debt is a frightening thing. Instead of worrying how you will meet the next monthly payment minimum balance, you know what the payment will be and how soon the loan will be completely eliminated. This means taking charge of the debt from credit cards and eliminating it.

About the Author
Although many people are looking into the possibility of a debt consolidation loan, it is important to have a complete picture of the pros and cons of such a loan. A great resource site can be found at Debt Consolidation or Debt Consolidation Loan.

by johncwhite

Moody’s credit rating is what many corporate lenders listen to when assessing a business or corporation for a loan. Founded in 1909, Moody’s corporation does many things such as financial research on commercial businesses. They also will perform analysis on different government agencies. Businesses and large corporations are factored differently when it comes to finance. The large financial amounts of some of the contracts made cannot be handled by conventional banks and lending institutions. It is a matter more or less of determining if the company will be able to finish the project, research, or development which is intended to generate a large amount of money for the investors. The risks are great for some companies who are running with a shortage in cash flow. Some companies do not have any problems meeting their financial obligations and can finance the project on their own. Many times it comes down to whether another company should be doing business with the first one because of their Moody credit rating.

Some companies have a policy of whom they will do business with and who they will not. If a company does not have a Dunn and Bradstreet rating or a Moody’s credit rating, then credit will not be extended. At times, there is a certain score the new business must meet to even associate itself with other companies. This is true of some of the exclusive products being carried. The larger supplier wants to make sure its merchandise is going to a store or company, which will not jeopardize the reputation of the product. With the credit rating, the supplier knows the buying company is reputable and has good business ethics.

Moody’s credit rating has three grades:

The investment grade can have several ratings in itself. The scale is broke down like this:

Aaa – this is considered the highest level rating available. There is hardly any credit risk.

Aa1, Aa2, Aa3 – this sector is considered a low risk grade. Upper-medium is the term used.

Baa1, Baa2, Baa3 – the companies, which fall into this category, may have some risk involved with lending to them.

The Speculative grade of Moody’s credit rating is sometimes called ‘Junk’ ratings. The scale is broke down like this.

Ba1, Ba2, Ba3 – there may be some credit risk factors involved with these companies. Lenders should be cautious.

B1, B2, B3 – these companies are considered high risk in the lending field.

Caa1, Caa2, Caa3 – these businesses and companies are in poor standing. They are considered to be a very high risk.

Ca – this is the group that may be close to default with the ability to still recover some of the principal.

C – this is a company that is clearly in default with little to no chance of recovering the principal.

There is another class, which is classified as “special”. This is for groups whose rating has been withdrawn (WR), not rated (NR), or provisional (P).

Moody’s credit rating does not just end there. The company rates businesses for short-term loans as well. These ratings are based on whether the company will be able to pay back the financial obligation in a time frame that does not exceed 13 months.

What has been learned of late is that even Moody’s credit rating system can be wrong. There were some rather large losses when companies who had a Aaa rating with Moody’s could not honor their obligations. One such incident resulted in a loss of $125 million despite the high rating.

About the Author

Author John White can teach you what you need to know about credit score ratings. You can also learn about how credit checks affect you.

by Rob Smith

Today, many Americans find themselves in a financial crisis.

Personal bankruptcies are being declared in record numbers with one out of every 100 families experiencing this tragic legal process, according to a survey conducted by American Express.

Although the stigma has lessened, the effects can be long-lasting. Finding employment or getting an insurance policy can be difficult if bankruptcy is part of a personal record.

Acquiring material possessions, taking trips to popular vacation destinations or dining out regularly at fine restaurants will eventually lead to faded memories. But the aftereffects of many credit card charges can linger for decades due to the power of compound interest. Paying three to four times the original purchase amount in fees and interest charges is a definite possibility. Making minimum payments on credit cards or other unsecured debt will eventually bury consumers in debt quicksand.

Here are six tips that can help to completely eliminate personal debt if individuals are willing to make some lifestyle changes:

Itemize debts from the smallest balance to the largest regardless of the interest rates. List the minimum amounts due on each bill. Make the largest payment possible on the smallest debt and make minimum payments on all other consumer debt. Once Debt #1 is fully paid, apply the payment from Debt #1 to Debt #2 (plus its minimum payment). Work through each debt obligation using this strategy until all debt is fully paid. Some financial planners would recommend reducing high interest rate balances first but the goal is to erase debt balances quickly and to gain momentum instead of focusing on interest rates. Attempting to pay-off a large, high interest rate balance first could lead to frustration and diffuse any good intentions to eliminate debt.

Cut up the credit cards. This will take some courage but it’s necessary in order to get out of debt completely. If a plastic card is necessary, consider a debit card which acts like cash, not credit.

Don’t borrow by establishing a home equity line of credit. The inability to make these loan payments, could eventually lead to a home going into foreclosure.

Develop a money spending plan based on the “10-10-80″ formula. The first 10% goes to charitable organizations or to a place of worship. The next 10% goes to personal savings. The final 80% is used to pay for basic living expenses. Keep in mind, that these are ideal percentages. Consider lower percentages to start if it’s difficult to give or save 10%. The importance is in the order, giving, saving, and spending.

PAY CASH for things. No cash, no purchase.

Get debt counseling but be cautious of credit counseling agencies, debt management plans (DMP), debt settlement or debt consolidation companies. There are too many predatory “debt counseling” companies looking to make a fast buck at someone’s expense. The best approach is to consult with a financial planner, preferably a CERTIFIED FINANCIAL PLANNER™ professional (CFP®). These advisors have a client’s welfare as a top priority. Their fee is a small price to pay if it means getting out of debt permanently.

Making the transition from a credit/debt lifestyle to cash-basis living takes time, effort and discipline but the rewards make it worthwhile.

Digging out of a debt hole requires a change in mindset. If financially distressed individuals are willing to commit to change, the road can eventually lead to financial freedom and peace of mind.

About the Author

Rob Smith, CFP®, is President of Debt Mentors, LLC, a financial planning practice that assists and educates individuals in the areas of money management, debt elimination and wealth building. His 25-year career has served individuals, small business owners and financial institutions. http://www.debtfreelivingplan.com/home http://submityourarticle.com/rss/author/3857