Everyone Should Learn
"How to Beat the Bank
and Win the Credit Game"
The funny thing about debt is that everyone has it, yet nobody wants it. That should tell you something. We have no choice in the matter. Think I'm kidding? Forget a house, try buying a plane ticket or renting a car using cash....IT WON'T HAPPEN! The fact is, we have to use credit. It's replacing cash.
Credit has become the "Invisible Currency"...You can't see or feel it, yet you use it just like cash everyday; AND, it's here to stay!
| "In 1998, one million bankruptcies were filed in this country; then the largest number ever. In 2002 that number jumped to 1.54 million people, in 2003, 1.7 million people and in 2005 it topped 2 million people going bust in one year. From 1993 to 1996, our national consumer debt more than doubled from 245 billion to 514 billion dollars and by 2003 it went to 1.98 trillion dollars. That's about $18,700 per household for things like credit cards and automobiles. It does not include home mortgages." And in 2010 it all got worse |
So now you may ask: "If we have to use credit, can we ever get out of debt?" The fact is you can't, and contrary to what some folks would have you believe, you don't want to. Having no debt in today's world is as bad as having too much debt. I know this goes against the grain of what you hear today; especially with all the talk about the housing market crash, and the surge in personal bankruptcies.
We need credit. Credit is a tool. Used wisely it can build. Used poorly, credit can destroy! The trick is to get it all in balance. Get your debts to a level that is comfortable for you to manage, and where credit is working for you instead of the other way around.
This is not about using gimmicks, playing with credit cards, debt reduction schemes, declaring bankruptcy or any of that nonsense. It's just solid and simple to use information that will get you back in charge of your finances, save you a lot of money, and give you peace of mind. What's more, there is absolutely no risk to you to try this.
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"How To Beat The Bank
and Win The Credit Game"
| "Dan, Truly a wealth of knowledge. Not only was your book easy to read and understand, I was able to apply the concepts to my mortgage, my car loan and my business loans. This is amazing." Jimmy Cristaldi, Producer
"If you are not familiar with esccrow, points, equity, and amortization schedules then 'How to Beat the Bank and Win the Credit Game' can help you manage your debt sensibly to reduce your interest costs. With plenty of practical advice and examples, Dan Osso's book can help you as it helped us save thousands of dollars on the cost of our mortgage." M & J Giddings |