Robert Kiyosaki's Free Online book

Robert Kiyosaki is doing something mindblowing! He's writing his new book online for free access to all.

Visit Conspiracy of the rich and learn the secrets the rich controllers of this world have tried to keep secret.

It will be a financial education for all of us. I started reading yesterday and I am through 3 chapters. Boy have we Americans and others been taken for a ride.

The Lifetime Penalty of Poor Credit

Most of us know that if we have poor credit it is harder to buy a car or home. Do you know that it could cost you up to or more than a million dollars in extra interest and payments in a lifetime?

Here are some of the places you pay more with poor credit:

House loans, Car loans, Utility deposits, Personal and Business loans, Student loans, Car insurance, Health and Life Insurance, Credit cards and much more.

Those with a bad credit history may find that getting a checking account is harder and may pay ridiculous fees weekly just cashing their paychecks. Renting the apartment you want, in a good neighborhood, may also be a problem due to your credit history.

In addition to paying more in interest and qualifying for loans, Getting a job is also tied to your credit with more and more employers today. According to Forbes Magazine, in 2006, 42% of employers checked credit as a condition of hiring. These numbers will continue to go up each year.

Getting out of debt will be a never ending process when you are overcharged for every credit transaction. What's the solution?

Get the financial education that our schools failed to give us as children and young adults. The average high school graduate is unable to balance a checkbook and yet banks are pushing credit cards on that same student who has no clue how to manage his finances.

I would recommend books by Larry Burkett or checking out Crown Money management.

Nothing to fear but fear itself

In today's economic climate, while many people are not expressing their fears, many would admit to being anxious. Certainly if one had assets in the stock market there would be some cause for alarm.

Years ago it was Franklin D. Roosevelt who popularized the quote: There is nothing to fear but fear itself. I would hope that most Americans would take that to heart and keep moving forward.

As for myself, I have done pretty well in networking and have a declining income coming in from our previous years work. One of the first things that I learned as an entrepreneur was to be persistent.

The other evening we attended get out of debt presentation at a church in Orlando. The speaker was Anthony Stroman from Atlanta. He gave a great presentation of the costs we incur as a result of poor credit which includes paying more for just about any financial service including auto and home loans, insurance and much more. Anthony shared a money map of:

7 steps to retire in 2-5 years.

The 7 steps:

1. Eliminate debt

2. Get Good Credit

3. Tax Planning

4. Budgeting or Cash Flow Analysis

5. Financial Planning

6. Will and Legal Services

7. Passive Income

We had to admit that almost all of what he shared was right on the money and we were convinced as were the majority of the attendees.

As for myself, like most Americans, I have not been as careful with debt as my father would have hoped. Like many Americans I am concentrating on getting my personal finances in order.