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1. Your credit scores are much less than perfect?
College students aren’t the only people to fall victim to creditors who seek out those who are most vulnerable. Many credit card issuers extend invitations to individuals whose credit scores are much less than perfect. This is because creditors can charge outrageous interest rates and fees to those who are desperate, thus earning astronomical profits. As a matter of fact, in 2006 credit card issuers earned more than $90 billion in interest alone. Wait – it gets better; in addition to profits earned from interest, credit card companies also earned more than $50 billion from the fees they charged.

2. Annoucing the launch of two website on the subject of Credit Card Debt
I am happy to announce the launch of two new websites through the Squidoo network. They are: http://www.squidoo.com/educated-wealth/ and http://www.squidoo.com/credit-card-debt-eliminate . Your patronage and comments are welcomed. You may also refer your friends with credit card debt to these great sites.

3. Debt Consolidation And Debt Negotiation Could Destroy Your Credit And Good Name
Don’t be fooled into fake promises and downright scams of companies promising to slash your credit card debt from 50% to 80%! These "so-called" debt negotiators contact creditors for consumers attempting to work out a “payment plan” for the consumer. ...........Sounds good? It comes with a price. They will either sucker you into charging the amount they were able to get the credit card companies to "forgive" or charge you a percentage of your total debt, while others will charge you an outrageous fee. (This won't repair your credit rating either…..) ..........What they don't tell you is all the while they are "negotiating" on your "so called" behalf, and for your "Consumer Protection" your good name and credit rating continues to be trashed! Here's the other string they don't tell you. When a credit card company writes off the debt as a "charge off" your credit record will still show that the debt was not paid for SEVEN YEARS. Just like bankruptcy does.... or even longer. .............Creditors are in their rights to continue to harm your credit. Unless you legally stop the credit card companies in their tracks and ethically and morally completely eliminate your credit card debt. Yes, you can legally - no Debt Negotiators, Consolidations, Consumer Credit Counseling or Bankruptcy. ..............Let Credit Card Rest In Peace show you how to once and for all eliminate all your credit card debt - Don't delay. Move forward before they change the laws again..........That's why we formed and name our firm Credit Card Rest In Peace (RIP). Visit our website to hear the real truth about the banking industry. All is not lost. It's time to take action and reclaim your good name!

4. Skeptical, Really?
After you have read the following, I would like you to e-mail me your thoughts and concerns here or at http://quikonnex.com/channel/link.php?id=25463................................... As you know we are frequently told by one and all, that we are a "Nation of Laws", we nod and go on about our daily lives, trying to earn a living. But in our quiet moment of introspective thought,we realize we are a nation of power in the hands of "Banks, Oil Interest and Others". We, the American People don't seem to have much of a, "Life, Liberty or Happiness." Do we?............................. Please read the article By JOE LEE and THOMAS PARRISH. Lee is a federal bankruptcy judge in Kentucky and Thomas Parrish is the author of "Roosevelt and Marshall." This article originally appeared in The New York Times from Jan. 20, 2007, 8:42PM................................................ "Dazed And In Debt In The Credit Card Maze" In this Article you will find the following statement, "So the lending goes on. People classed as the "working poor," now beginning to be tapped by the credit card vendors, no doubt constitute a rich supply of coveted potential revolvers — fresh customers for the banks to draw into the credit maze, with its minimums and its unending late fees. In signing the 2005 act, President Bush declared that it would make more credit available to poor people. Unquestionably so. And 30 percent interest was just what they needed, wasn't it?"

5. Think Of Americans ....Are You thinking unhealthy, uninsured people and in debt to credit cards ?
Medical debt is not an isolated hardship that befalls only unhealthy, uninsured people. Rather, it is a common experience that contributes substantially to financial woes, problems in securing or maintaining a home prominent among them. Medical Expenses and Credit Card Debt In collaboration with Demos, The Access Project produced a report in January 2007 titled Borrowing to Stay Healthy documenting how low and middle income households are turning to credit cards to pay for medical care.The report findings are based on a national telephone survey of over 1,100 low and middle income households. Click this link for the entire article at The Access Project http://www.accessproject.org/medical.html#md_creditcard

6. Is your New Years Resolution Getting Free Of Credit Card Debt?
Finance experts say credit card providers (the banks) benefit from customers who are not fully aware of terms and conditions. Bank coffers are overflowing with interest, fees and charges from customers indifferent to the fine print. Or because the lack a magnifying lens, but really who cares about the fine print when the banks have changes the agreement as they go. The nation's credit and charge card debt of $37.3 billion in October is set to soar following the Christmas and new year splurge. It is not too late to get your finances in order, but it does require strategy, discipline, knowledge and backbone.

7. Got the Holiday Blues over Credit Card Bills?
Holiday sales for 2006 are projected to total about $435.3 billion, according to the National Retail Federation. Most of those purchases were made with credit cards. Very soon, millions of people will be sitting there, in stunned silence, looking at those credit card statements with balances much higher than expected. We have a solution for your stunned reaction!

::FREE SOFTWARE DOWNLOAD

Take advantage of this great opportunity. We are giving away vintage software for FREE. You'll find that these programs are staples in every computer user's diet. Many of these programs are not available anymore anywhere else but here. Not new stuff here. Vintage stuff that is impossible to find anywhere else.

Free Web Conference system

Free VOIP web conferencing system. No more phone calls. Interact in our live online seminars daily. All are invited to learn from well known Internet Marketing Gurus. You don't need software for this. Just go to Vereconference™ and sign up for a free trial account.

AOL Press

FreeMart is pleased to still offer you the oldest HTML Editor on the web today -- AOLPress. A true WYSIWYG (What You See Is What You Get) Editor, this software makes it easy for anyone to publish their own web page. All of this fun for FREE?!?! WOW!!

Cool Edit

CoolEdit is an excellent and full-featured audio editing, processing and multi-track recording environment. You can have lots of fun with your Wave files - the possibilities are uncounted. To name just a few of them : Convert the frequencies and bit rates of a wave file, mix and fade in and out of tracks, cut the track where ever you want, pass it through various filters...

Fax Check Software

Need to collect money remotely... FAST? Fax Check Software does just that. Impress your clients with the ability to have them fax a check to you and deposit it immediately. Easy to use!

Alive

Alive is a simple online evaluation software. It will check the Integrity of your ISP connection. By installing and opening it, it will keep your dial up connection from failing on you. A must utility for Win95 users who use the Internet via dial up.

J-Quote

Another secret revealed!. Bill Reid's JQuotes is a simple way to generate Javascript "random quotes" functions in your HTML documents. Just provide the quotes and JQuotes will create the code, paste in your document and you're done.

Spam Eater

SpamEater will connect with your ISP's mail server and check each email message found there. It compares the information in the message with your valid email addresses and against an extensive listing of known spammers.

AOL Messenger

This exciting and easy-to-use instant communications service allows you to see when your Instant Messenger buddies are online and then communicate with them instantly -- no matter how they access the Internet.

Another great Calculator

This software makes for a great gift. Sell it via the classified newspapers. Offer it for free + postage and handling of, say $5.00. It works and can bring in a little extra cash too! I know, I do it myself. Entreprenurialism at work!

Site Submission Software

We have created this program to give anyone the capability to submit their websites to hundreds of submission resources, automatically. Whether you are a webmaster with multiple domains or a newcomer, this program will make submitting your website an easy process.

Bill Calculator

BillCalc is a small utility that helps you calculate the amount one needs to pay per month to pay off a balance within a user-specified amount of time. Don't have an amortization table available? Get BillCalc. Need more money? Contact your FN distributor!

Home mortgage Calculator

Offers a fresh perspective on borrowing by automatically displaying calculation results on a 2-dimension grid as you enter the loan variables. Users may view grids of loan amounts, interest rates, or payment amounts based upon the entered loan variables.

Search and Replace

This software is dedicated strictly to find words or frazes in multiple files and changing them An absolute must for the Web page developer. Also handy, if you have a portfolio of files that need to personalized for a new recruit

Java Buttons

Hey, how do they do that fancy mouse over stuff! Well, I will tell you and show you how too! Down load this tutorial and sample scripts. This is where I started and look at what I can do now! You can too! Lets make the Internet - Beautiful!

Access Mac disks on your PC

Floppy disk formatter and copier that supports all standard disk types, including DMF and other extended capacity formats, and Macintosh HD. Will also copy most non-DOS MFM disk types.

Submission Wizard

Cad Files Stuffing

A program that will compress, decompress cabinet files. Ie. the .cab files that come with Internet Explorer 4.0 or the ones that reside in your Windows directory. This program is one of a kind, no other on the market, and its FREE!

Make a meta tag

Get your homepage at the TOP of search engines. Using meta tags in your HTML documents will increase your listing rate: your page will go on top of search engines. Instant Meta Tag Generator does it for you. Simply fill the form, copy the code and paste it into your HTML page.

Tagmaster

Automatically set up your meta tags on one or hundreds of pages at a time. Search engines rely on your meta tags for indexing. If indexed correctly, your page will rise to the top of the search results. This will result in getting 1,000s of hits to your pages.

Genious 2.0

Genius 2.0 is a collection of GUI-based utilities, designed to enhance Windows 95/98/NT Among many other things, It keeps your ISP from dropping your connection. Extensive help file User-defined global hot keys - hit Ctrl+Shift+M to check your mail! Plus an incredible interface!

Mileage manager

Combines flexible mileage, fuel and vehicle usage tracking and report writing, with appointment calendar, trip and PIM features. Maintains client and location visitation histories. Great for laptops or desktop use.

Time In

Time-IN is a simple, straightforward connection keep alive utility (pings a remote system at interval to defeat connection time-outs.) Runs in the background, minimal impact on system resources, can be operated automatically.

Disk Tool

A simple utility to format disks and do diskcopies. Especially handy if you need to produce a lot of disks for a mailing, demo or limited distribution. I bought a professional version and payed over $300 for the very same thing. I guess I make dumb mistakes too!

MLM Pro

One of the main purposes of MLMPro* is to help you keep track of people. That's basically what contacts are: people and companies that you have contact with. This means that one of the most basic and useful skills you can know is how to use MLMPro* database.

Tree Pad

TreePad is a new way to store personal notes and other information. As it happened very often with me: something interesting came by, and I wanted to write it down, store it somewhere. Where to save it so that I will easily find it again in a few weeks?

Door Bell

Doorbell is a Internet program that tells you who's online at all times, alerting you in real time when friends sign on and continually tells you which are online. A must for the Internetizen who needs to keep in touch, like you!

Network Builder

The NetworkBuilder System teaches you the business one step at a time and is designed to give you day to day control over the vital information that you need to be successful. It will not only teach you the network marketing business, it will help you train you organization to do the same thing.

Web Mole

With Web Mole you can search the Internet using the standards of the search engines like Lycos, Excite, Infoseek, so you gather email addresses of targeted queries. In other words, the same sophistication as a mail house sells addresses via demographics.

FTP Edit

Edit web-pages over FTP quickly and easily. FTPEdit opens up files on a remote computer and lets you edit them in a stream-lined interface. Original and cool, excellent for doing quick updates to your web site. Free to individuals, $30 for commercial use.

Norton

This is a free (really free!) Windows 95 - NT application released and it scans and cleans most viruses. The proper use for this is BEFORE you infect your computer. For example, you download a file, save it to disk, then you can scan it before you run it, if it's infected you can clean it and then run (or discard if you wish)

Web Position

WebPosition saves you many hours of work a week by consistently and comprehensively monitoring your Web site's search positions while alerting you to problems. With WebPosition you'll have the reports you need to make improvements, correct problems increasing your Web site's traffic!

Post it on your monitor

A little (in)utility for Windows95 that allows your desktop to be littered by sticky post-it like notes, reminding you of an anniversary, of the book you have lent 3 years ago to Bob, or simply to buy some bread for your spouse. Very nice, sits on your tray area. Freeware.

Partition Manager

Partition Manager is a freeware utility, for disk partitioning. It allows you to: Save, restore, and compare MBR Create, delete, and resize partitions Format FAT-16 and FAT-32 file systems Manage Extended DOS partition Print out IDE disk parameters

Web Tutor

This is an award winning tutorial on web page creation and design. I wish I had had this tutorial when I first started out! It is simple, direct and very easy to use. It covers the very basic to super advanced issues. If you want to know how to do it, get this file! ***********

Global and HTML edit

Automatic, fully customizable color-coding of HTML tags. Search and replace text in single files or entire directories. 32-bit application from the ground up and more. Those of you who like the freeware version, try the new shareware HomeSite version 2.0.

PGP Email encryption

Since the time of Julius Caesar, key management has always been the hardest part of cryptography. PGP gives your email complete privacy through encryption. A must if you are corresponding trade secrets to associates via email. I do!

HTML runtime presentation

Would you like to create your own presentations, tutorials, documents, helps, info, newspapers in HTML and after that, distribute them ? The tool you need is HTML Executable. It includes a wizard which compiles a single executable with all your web pages and files.

Whois software

Unix- style "whois"- performs "whois" queries , "host" - looks up the host name of an IP address, or the IP address of a host name , and "finger" - performs "finger" queries functionality under Windows 95 or Windows NT command windows.

Virtual Desktop Manager

The ONLY INTELLIGENT Virtual Desktop Manager - you can TEACH the program PERSISTENT RULES in order to have your desktop really efficient (and good-looking too!). Small, fast and reliable, it might change forever the way you work on your electronic desktop!

Screen Capture Utility

SnagIt is an advanced screen capture utility for Win 95 and Win NT. SnagIt supports capture of user-determined areas of the Windows display. It can save the capture to a variety of graphics file formats, send it to the clipboard or send as an attachment to a (MAPI) mail message.

WSFTP

Transfer files quickly and securely with this supercharged FTP client. Work through firewalls and proxies with drag-and-drop functionality and 128-bit SSL encryption. You can even alter remote images directly from your favorite image editor.