Bob Young

Most people don't give it much thought but in this day and age internet can be your lifeline to the world. Here are 3 ways you can choose a good ISP:

College campuses are swamped by credit card companies trying to get students to sign up for credit cards. Whether the college kids need it or not, the credit card companies dangle freebies and incentives to get them to sign.

Internet has truly revolutionized our lives. Things that took hours, are handled now in minutes seamlessly. If you are not handling things efficiently in the following areas, then you may want to reconsider:

All reports show that there are major defaults in home loans. Reports now are also trickling in about credit card payments delinquency at an all time high. If most people stop making their payments then it could happen that credit card companies may go bankrupt.

Spammers have become very creative. They now send under all types of false pretenses to get you to open the email. It amazes me how much creativity they have. Why don't they use their creativity in constructive ways?

If you ever get your social security number mixed up at one of the credit card companies, you are in for a ride.

As a nation and as individuals we are drowning in debt. That is the truth. The credit card companies and government have made us into 'loan junkies'. We are living beyond our means. So then why is our credit rating as a country so good?