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We know it seems like an eternity ago, but think back just one year. On October 9, 2007, the Dow Jones Industrial Average hit its all-time high. Hard to believe, isn't it? Now, one very long year later, we're in the midst of a gut-wrenching crash that has wiped out 40% of the Dow's value. Even though the markets have rebounded a bit, there is no quick fix for the financial mess our country is in. We've been telling you for the better part of the last year that tough times were coming, but even so, we know it's downright scary at the moment. Here's what we don't want you to do: Sit there, watching the news and becoming paralyzed with fear to the point where you do nothing. Here's what we do want you to do: Act now to recession-proof your life. We believe this is so important that we've laid out the simple steps for you to follow. Just click here for all of the urgent details. We're hearing all kinds of stories about stress levels on the rise. These smart money moves will help you relax, sleep better at night and know that you're doing everything you can to weather the storm and put yourself in the best position possible to enjoy the sunshine not if, but when it returns. Don't delay. Act now. One of the primary reasons that our economy is such a mess right now is loose, irresponsible credit. For too long, credit was as easy to come by as presidential campaign promises and commercials three weeks before the election. All you had to do was breathe and be able to sign your name for some banks to give you a credit card, a loan or even a mortgage. Now, we're all paying the price—even those of us who were responsible with our money and spent within our means. One of the ways you may be paying the price is with your credit card. Banks are so afraid of making bad loans these days that even folks with very good credit scores are having their interest rates increased, their spending limits lowered or their cards flat-out canceled. Here's one shocker that reared its ugly head just last week: American Express may consider you a higher credit risk simply based on where you shop or which bank holds your mortgage! Unbelievable! So how can you fight back? A good credit score is your strongest weapon in this war. We know how credit scores are calculated is a bit mysterious, so we've unlocked the secrets for you in our brand new video. Watch it now and put yourself in control of your credit. (For more of our advice on credit scores, see 4 Simple Steps to Clean Up Your Credit Rating.)
In the midst of all the depressing news, there is one development that could actually be helpful to you. Finally! Mortgage rates dropped back below 6% last week. Hard as it may be to believe, this could be a good time to consider refinancing. Surprised to hear us say that? We thought you might be! That's why we've mapped out exactly how to decide if it makes sense for you. Sincerely,
Ken & Daria Dolan |
The next debate between Barack Obama and John McCain is tomorrow night, but may we assure you right now not to expect any real answers to real problems. If you're as frustrated as we are with the lack of solutions from our leaders, we're here to help. 
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