I totally agree. I remember the first electricity bill I received after college. I said, "What in the h___ is THIS???"

That is so true. I am such a dumb ass when it comes to managing my finances so I always take the easy way out.

Absolutely agree!

Aloha Rayman

Our school system has disallowed teaching the children they are more than the sum of their parts. When feeling scarcity it is to go to that place within and see the three things we need to survive on the physical plane: food, shelter and transportation. I see myself sitting in the middle of sun. With thought you can travel faster than light. I am eating a mango. It is always light, perception then matter. In just doing the everyday routines of looking for work/school or going to work/school I know I will manifest. Our school systems equate right with reality, they are like prisons. Panic creates perception.

Fear or Trust
by Jon Gordan (author, speaker, consultant)

Years ago as a young 26 year old entrepreneur in Atlanta I was invited
to speak at an event where President Clinton was also speaking. As
people mingled back stage I'll never forget watching him as he put his
hand on the shoulder of the Governor and said, “It's all about
psychology. You need to understand the psychology of the voters. It's
all about psychology.” Not surprisingly Clinton and his team came up
with the famous phrase, “It's the Economy Stupid.” They understood
that psychology drives elections and the economy.

Fast forward to today, it's no wonder the financial markets continue
to spiral downward. The 24/7 media is creating a frenzy of panic and
fear that is negatively impacting the collective psychology of the
country. I have heard from many people who are more stressed and
fearful than they have ever been in their life. And like a horror
movie where the things you fear start to appear, our collective fear
is making our worst nightmare come true.

We need to realize that the economy is not some abstract entity
separate from us. The economy is us. YOU and I are the economy. Our
thoughts, behaviors, actions and mood collectively create the economy.
Government can try to manipulate our actions through tax plans,
regulations, incentives, etc. but in a nutshell WE are the economy.
Our collective mood, productivity, innovation, positive energy and
execution determines whether the economy is thriving or in a
recession. Paying our mortgage helps the economy. Working hard helps
the economy. Starting a business helps the economy. Making a product
the world needs helps the economy. Replacing our psychology of fear
with a psychology of trust helps the economy.

But how can I trust anything, you might ask, when everything I’ve
trusted in is falling apart. My answer is that we’ve put our trust and
faith in the wrong things. Our government, media, financial
institutions and our own actions have shown us that a house built on a
foundation of greed cannot stand. The cracks have been exposed and
it's a wake up call to all of us. As Charles West said, “We turn to
God for help when our foundations are shaking, only to learn that it
is God who is shaking them.” Our foundations are shaking for a reason.
We are meant to realize that security is an illusion. There's no power
in having a big bank account. You can’t find peace in your investment
portfolio and you’ll never find your true purpose in your 401k plan.

We are meant to stop listening to the media, aka, Chicken Little and
have faith in something bigger than ourselves. We are meant to trust
in God, not in our balance sheets. We are meant to realize that true
power exists not in what seems big and strong and secure but in what
is silent and unseen. This is where faith lives.

So instead of starting your morning by turning on the news, consider
taking a walk of prayer. Instead of looking down at the paper, look up
to the heavens. And instead of listening to the fear mongers, walk
outside, close your eyes, smell the fresh autumn air, take a few deep
breaths and discover the real peace you seek. Every day, stay
positive, do your best to succeed and have faith in a brighter and
better future. I believe this is the antidote to fear and it is the
true kind of trust that you, me and the economy need right now.

That might help in the future. Right now we need to educate bankers and CPA's how the financial system actually works and the inherent flaws in the design. This also needs to be communicated to the people so they can demand that their monetary system is managed properly by the privately owned banks.

Most tend to know only their part in the process not the entire process, which is why so many professionals still think money, is "printed" or don’t realize it is created out of nothing by a simple accounting entry.

If the people were aware they would realize that since we the citizens are borrowing to create the money we should be charging the banks interest on the use of the money to loan back to us or business.

Then the question comes why should we have middle men to loan back to us our own money we are already in debt? Why shouldn’t we be making money loaning it to business?

Why am I one of the few that seem to be able to comprehend this? Were you all that thoroughly brainwashed and conditioned in college?

Read about it on CoinAge.me

Click .me

Maybe We Should Blame God for the Subprime Mess

‘While researching a book on black televangelism, says Jonathan Walton, a religion professor at the University of California at Riverside, he realized that Prosperity's central promise — that God will "make a way" for poor people to enjoy the better things in life — had developed an additional, dangerous expression during the subprime-lending boom. Walton says that this encouraged congregants who got dicey mortgages to believe "God caused the bank to ignore my credit score and blessed me with my first house." The results, he says, "were disastrous, because they pretty much turned parishioners into prey for greedy brokers."’

By David Van Biema Friday, Oct. 03, 2008

In the meantime it is not so difficult to start yourself bringing order in your own financial chaos.

When you have a household, 1 person, 2 persons or more, it is always a good idea to make a household list.

Nowadays with programs such as for instance Microsoft Excel, that is not so difficult.

Make two columns: income and expenses. Fill in your income and fill in your expenses and if you spend more than you receive, then the only prudent thing to do is to find out how you can save on your expenses.

You have to take time for this and time is something that does not exist according to the majority here on this Intentblog.

Yet time is money and one cannot spend more than one has is the only truth regarding money.

Honestly, I do not understand that such basic
information that used to be a normal part of life has gone so far astray.

Even on the Internet lots of sites can be found on how to plan ones household.

Not everything has to be planned by government.
Use your common sense!

When your two high school girls suddenly need $75 for special cheerleading sneakers because they just got appointed to the basketball cheerleading squad then the credit card PRE-APPROved application that came unsolicited in the mail from some darn BANK looks pretty good.

And then of course they get invited to the Prom.

And then of course they go to college and end up doing an internship at the College of London, where, by gosh, the phone rates are , well my goodness, so unexpectedly high.

Oh, to be young AND wise.

God seems to be handing the next different generation with new ways to get into trouble. He just won't let up; like its His thing or something.