One of the roles of the found myself performing in my adult life is that of a teacher.  As it turns out, I have a knack for public speaking and I am sharing that talent with the world.

Specifically, I’ve started teaching a seminar on debt management for the public and the response has been very positive.  I have not only seen success stories flooding in but I’ve also had many people thank me for changing their lives.

The seminar that I teach is four hours long and covers topics such as how to reduce credit card debt and what exactly debt diet plans do for you.  The principal goal of these seminars is to both educate the attendees as well as help them to avoid having to go through poor credit debt consolidation.

Later on this year I am going to try to take a seminar on the road and see if there is interest in other communities for the knowledge that I present.  I’m sure it will go well and I’m looking forward to that working holiday.

I have always been proud of my ability to take care of my finances.  I figured that once I moved out of my parents house, that I should be responsible enough to take care of my own needs, and no longer depend on my parents for money.

A couple of years ago, I just about turned to my parents for help.  I had a period where I couldn’t find work, but the bills kept piling up to the point where I was in big trouble.  In fact, I was looking at having to go bankrupt if I didn’t figure something out quickly.

A good friend of mine at the time suggested I look into bill consolidation to get my bills under control.  I had never heard of it before and I made an appointment to talk to someone about it.

As it turns out, it was one of the best decisions that I made in my life.  I was able to get everything under control, find a job, and not have to ask my parents for help.  I just feel good knowing that I was able to take control and remain independent from them.

During the summer, I travel across the country attending fairs and exhibitions with my business.  We specialize in custom children’s books and we find that there is a large market for what we offer at the events we attend.

One of the largest challenges that we have had in the past few years was increasing demand for Interac and credit card payments.  We had previously used the old style carbon copy credit card processing method but had found that we received many chargebacks.

We contacted the merchant account services company that we deal with to see if they can provide us with the wireless payment processing machine.  They were happy to provide us with that service and am looking forward to the increased revenue that we should experience this summer as we will be able to accept all types of payments from our customers.

I decided it is time for me to get a new credit card.  With the extra income that I am making at my new job, I decided I should maybe upgrade from a plain Jane basic card to something that would give me some sort of rewards.

But I’m not the type of person that just rushes out and gets the first thing that I see.  Instead, I like to shop around and make an informed decision.

So what I decided to do, is to check out some credit card reviews on different websites to make sure that I’m getting not only a good deal but one of the few excellent credit cards on the market.  Sure, this will take me some time, but I think that by doing my do diligence it will be all worth it.

I am still in the process of finding a few sites that have good reviews on the credit cards available at the moment.  Once I have those figured out I will begin my research and see if I can find a new card that will work for me.

A group of kids from a finance class at college gets together once a week to talk over coffee about things we have learned and information that might be of use to other students. This past week, someone brought up the topic of Michael Dinich. It is a topic that comes up quite often and one that we never tire of discussing.

This particular discussion centered around one of the students visiting the Your Money Matters website. He told us all that it was a good source of information for our class to write papers and just to learn certain things that may not be taught in class. He suggested it be a useful tool for all of us.

I decided to check it out and was immediately impressed with the daily article feature. I enjoy reading it and log on each day just so I can read what it has to say. I would say that there are tidbits of information that are particularly useful and I am glad that he brought it up. I wonder what we will discuss this week.

As the mother of a college freshman, I am unhappy with the amount of credit cards for students that are available. My son came home last weekend and was proud to show us that he had three credit cards now. This was ridiculous, as he did not understand the responsibility of being a credit card owner.

I think these college student credit card applications are handed out like candy because these kids don’t think about being in debt. To them, someone is offering them free money to have a good time in college. A lot of these kids are going to have debt problems for the rest of their lives and it all starts with these cards that they are getting in college.

I am not against all college student credit cards. In fact, I don’t think it is a bad idea for them to have one with a low limit. But, three with moderate limits is too much and they will find themselves in trouble. We convinced our son to leave two cards with us, and he took one back to school with him. I hope that he is smart with it.

I have recently taken a job which requires me to do a lot of traveling. I have never been really big on credit cards, but I thought at this point, it might be a good idea to get a gas credit card. I would not have to worry about carrying a bunch of cash with me and I would be able to use it at a number of different service stations.

I looked into several different gas credit cards and narrowed my decision down to two. In the end, I decided on one that had a large number of service stations all around the state and I knew I should never have too much trouble finding a place to fill up my car, even late at night.

I am glad that I started thinking about gas cards because it will definitely get me through to my next paycheck when things are tough at the end of the month. I got my card and I have used it a few times. I am getting used to being on the road a lot and I do love checking out the scenery and driving does not bother me one bit.

I try my best to keep up with the latest on economic news. It is something that I am very passionate about and it is something that I will continue to be passionate about. I have recently started writing a column for a local newspaper on financial matters. I have had a lot of good feedback on it and I really enjoy writing it.

My column contains a good variety of economic advice, as well as quite a bit of financial humor. I write it so that many people can grasp the point of it, even if they have not studied economics in the past. I write so that all people can grasp the point.

I would have to say my greatest mentor would be Michael Dinich. I would like nothing more than to meet this man someday. He is amazing and I wish to be more like him. I actually try to write my articles in the same style that he would use. He is absolutely brilliant, and yet, even the simplest of minds can understand him. He is my hero.

My sister is getting older now (22) and she is considering purchasing a home.  She had gone to talk to her banker about FHA loans and whether or not she would qualify.

Sadly, they didn’t have much good news for her.  You see, she had an incident in her past where she missed some payments on a loan because she was hospitalized, and so she has a blemish on her credit history.

But I told her that I was referred to a loan website by the realtor at the local real estate place here in town. 

She tried it out.  I knew it was a site for generating mortgage leads, but it did direct her to a site that specialized in mortgage loans and she filled out an application.

Now, all she has to do is wait.  The realtor that I talked to assured me that pretty much no one was rejected - so she should have a pretty good chance of getting the mortgage.  Now, all she has to do is find something in her budget - that will be another challenge altogether.

There are always those people we think of in life that seem like we could meet and grow rich just by touching them. In reality, we know that this is not possible, but what is possible is to learn to think like these people.

In my opinion, all rich people have one thing in common; that is being able to think outside the box. If they thought like everyone else, they would not have gotten to be where they are today.

One thing that really flabbergasts me is the lack of education that kids have available to them today about money. Sure, we all learned about currency in elementary school, but we were never really taught about money. Anything I know about money, I learned from my parents, but I really think it should be part of a regular school curriculum.

When we are uninformed about money and money decisions, we are left with no choices. Most of us leave college, in debt, and still misinformed about money. This has got to change, as people are left with no choices. I don’t know about you, but my choice is to fight for the rights of our children to be informed. What is your next choice?