Business

In today's news The thing that we know as black friday the day after thanksgiving when there are deals like everywhere that you look but you have to get up early like 5 in the morning is over. We now should be looking forward to cyber monday this is supposed to be when all good deals are done while shopping on the internet.

For all of the people who are aspiring financial advisers there is a site that I have been actually a member of for a while that is like the ebay of money lending check it out http://www.prosper.com/. You can either get a loan or give a loan and don't worry too much about your credit score there are a number of individuals who will be bidding for your loan proposal or it can be the other way around where you can pick the loans that you want to fund and bid for them in an auction for more info check out the site it can be very helpful both ways to a lender and a potential loan customer.



For those of you that are interested in looking for Free money you can go to freefederalgrants.com for a host of information regarding grants very helpful site! For all of you with kids check out UPromise.com you can register all of your debit and credit cards and in return every time you spend you will get a percentage back and it will be entered into an college fund account for your kid.



If you are a well off individual or just maybe even a person that is stable with kids, you should always think about your death plan. Do you have life insurance?, a will?, a trust? Does your life insurance if you have any cover the cost of an education for child or children and all debts that will incur thereafter? These are some very serious questions that you should ask yourself and make sure you get taken care of if not now soon.

From my own personal research and opinion the whole financial market is a bit shaky nowadays the sub prime loan mess has really stretched to all corners of the market. You have the lenders who have been highly scrutinized tightening up their lending standards and practices which in turn is making everyone else tighten up their lending standards especially credit card companies! The federal reserve wants to jump in and save everyone from panicking by reducing interest rates. I have some important news for every one it is too late! Americans have been spending way past their income for years now, due to the market being loose when it comes to credit cards, when it comes to personal loans , and also home loans The U.S. is only reaping what it has sewed. It has been a long time coming for this to actually happen and the way the market is today is the way the market should have been years ago before everyone got into this spending craze.

If you are a big spender or you want to get out of debt now is the time if not you will surely be forced to do so by the way the market is going...

Quotes- If you fail to plan then you plan to fail.- Old saying

When you've got them by their wallets then their hearts and minds will follow.-Fern Naito