A few weeks ago, I wrote about Kevin Trudeau’s new book “Debt Cures they don’t want you to know about.” Of course, in the comments, there were a fair share of people who truly believe that Kevin Trudeau is the snake oil salesman he appears to be. Yet, I still hypothesized that he is the best salesman of our time. For the simple reason that he can sell his products and sell them well.
While I am not the salesman that Kevin is, I’d like to share with you a product that I truly believe in. I first read the book while I was still running my money blog “A Penny Saved” and have been following it’s program since March(2007). In that time, I have gained a confidence in my money that I’ve never had before. I finally feel like I am in control.
I won’t try and sell the product as a cure all program. It’s not a fast track program either. But what it can do for you, if you follow it, is get you out of debt. Completely. You’ll have to work hard and live a lot less “good” than you do now, but the reward is the reduction of debt and the control over your money. And after you’ve saved enough money, you can then start investing in Turnkey investment real estate properties.
The product in question is Dave Ramsey’s “Total Money Makeover.” Yes, that is a affiliate link. Just because I’m trying to help you out, doesn’t mean I can’t make a little money from it if you decide to follow my advice. I whole-heartedly endorse that book. It’s made some great changes in my money handling and for once I control my money instead of the other way around.
Please take the time to take a look at the book. I think you’ll be glad you did. And when it comes to business financial planning, Acclime’s business accounting services can help cut out unnecessary expenses that may be infringing on your progress.
About Shane Ede
Resolving Debts can be easy or it can be really hard. It depends a lot on how devoted you are to getting rid of them. If you can be completely debt abstinent, meaning create no new debt, and very aggressive in paying off the debt that you have, you can quickly remove the burden and move forward with a debt free life.
Visit my site at http://www.beatingbroke.com to read more strategies and methods for becoming debt free!
Go to the website below to find out about grants you may qualify for. Screw all those rip off people like kevin trudeau. He is nothing but a salesman & 99% of all the websites out there offering “Free” information are a rip you off to get your money. Don’t be fooled by their “Free” information. Read the fine print.
The web site “They” don’t want you to know about.
http://www.usa.gov/Citizen/Topics/Benefits.shtml
Thanks for not letting me buy the book. I am glad I did my research before giving in to The magical cure that I should have known better then to believe it existed. Anyway, a little advice I have been given by my Chase financial advisor… Your credit score will increase if you stay at least below half of your credit limit, example: Your credit limit is $1000.00 Then try not to use more then $500.00 of that credit. Also, I have high interest on my credit cards and she told me that I should make it a point to stay below my credit limit and make every single payment on time for at least 6 months straight and then use that to negotiate my interest rate with the cc company. Also my econ professor in college said your credit score will go up if you pay the balance off every month within your grace period. But do not attempt if you are having financial probs. already b/c most likely you wont pay balance every month. Another step I have made is to get my free credit report (which you can get once a year @ http://www.annualcreditreport.com, And finally, what has helped me is that I have a Providian (aka: WAMU Washington Mutual) CC. And if you set your account up online they provide you with your credit score and actually monitor it for you and will email you if it has changed significanlty (like 20 points) and give you other credit advice.
Dave Ramsey is a God send. I have read his Total Money Makeover and will begin taking his Financial Peace University classes in one month. His info is very, very helpful. In less than a month, my family feels great pride in our new lifestyle, as Dave says, “live like not one else, so you can live like no one else”. We are committed to doing what we can now, so that when we are debt free, we can pay for everything with cash. Check out Dave Ramsey, you will not be sorry;
To # 46 – Maxine:
Find your state’s equivalent of “Vocational Rehabilitation Services Department” ask for a case worker to evaluate your ability to work (with the intention of getting Social Security Disability Benefits). If they find you unable to do any kind of work because no employer would hire you (for a livable wage).
The Vocational Rehab Services should be willing to “Officially Support” your Claim for SSDI.
That’s how I got on SSDI.
Mr. Trudeau-
I’m addressing my remarks to you because, as a shrewd marketer, you are, no doubt, monitoring the internet for feedback on your info-mercials.
Thanks to these folks sharing their experiences of doing business with your company, you will not be doing business with me. There is no way I would give your people access to my credit card account.
CLEAN UP YOUR ACT!
Using this blog helped me find my decision over not purchasing this book. The reason that I wanted to purchase it was for the government grants website that is found in this book. If anyone has any other ideas over government grants please let me know. 1- Starting a business and 2. Home improvements.
I would appreciate if anyone has any sources.
A friend ordered the book and stuff. received the stuff in mail. and just today he received an email from debtcures.com claiming his credit card was declined and he must contact them to give them a new card to charge before they send his order. what’s that all about?!
I found his book to be helpful but not strait to the point, he does take you around in so many circles that you are dizzy before you finish the book. I was given the book by a friend because he is offering it buy one get two free. Here are few web sites I personaly have used good luck on your debt reduction it is like weight – easy to gain but hard to lose – but be patient and work on it using the simple advise that others have already given. Here are some web site that i have visited and foound helpful for myself. (These are websites I knew about and visited before I read Mr. K T’s book)Also most library’s have Foundation Centers with books and website subscribtions to government, private and corporate grants and foundations just ask they will help you.
http://www.govbenefits.gov
http://www.idanetwork.org
http://www.grants.gov
http://www.firstgov.gov
http://www.foundations.org
http://www.sba.gov
http://www.usa.gov
TOO LATE, I JUST GOT STUNG!
Well, I found your website two days too late and $202.70 in more debt short. I just purchased the book this past sunday evening online. Purchasing online is something I do very often; however, have never seen anything like what I experienced on Kevin Trudeau’s Website as I attempted to purchase the “Debt Cures Book” Bottomline, I planned to only purchase the book for $19.95 plus s/h. Each advance forward presented another offer or item to purchase and the 2nd book was free only pay the shipping cost of $11.95 – Okay. (share a blessing with a friend in need?) In addition to all the other options that was suppose to enhance the use or compliment the book, you would want all the tools to get the most out of your quest to become debt free in the least amount of time – Wrong Mind Set.
BUYERS BEWARE!!! When you are going through the purchase process you cannot go back to change your decision and it does not give a total along the way as you are forward to various other items. In order to get to the end, you must say yes or no at each screen. I chose a few other items, thought that once I got to the end that I would have an opportunity to edit my purchase request before the final transaction was submitted. (like all other online purchases)
When I got to the last screen selected NO to the monthly subscription and pressed next it went to the next screen stating that my order has been processed providing a order id number. I hand no opportunity to go back to change the items I did not want, no to final total of all items purchased & prices, and no display of the final grand total that would be charged to my bank card. I WAS VERY DISAPPOINTED AT KEVIN AND FELT BETRAYED!!! I immediately contacted customer service on the next business day being yesterday and was told that my purchase had not shown up in the system yet to call back in 2 days. I called back before discovering this website today and I was told that my card will be charged $202.70. This amount included $158.90 in product (?) and $43.80 in shipping cost. What they do not tell you is that you are paying shipping cost on each item ordered and if you pay to have the order rushed, that fee is added to each item as well. (not the grand total purchase) The catch is that the rush processing fee does not speed up the arrival time of your package, just the processing of your order with the normal shipping delivery date time frame after processing, remaining the same. The end results is that I cannot not cancel my order, it has already debited my bank account and it will be up to three weeks before it arrives. I was told at that time I can call back within 30 days to request to return the book etc. at which I lose my shipping fees paid and pay additional fees to return the items and have them restocked. HOW DECEIPTIVE AND SHREWD SALES PRACTICES IS THAT FOR SOMEONE WHO IS CLAIMING TO HELP PEOPLE GET BACK ON TRACK BY EXPOSING OTHERS THAT MAY BE TAKING ADVANTAGE. [BAD, BAD, BUSINESS] On a positive note I have tried Dave Ramsey’s Program in the past introduced it to my church congregation and they are still using it today. I have spoken with his financial counselers many years ago 1999, I will never forget that Russ was an awesome, concerned & patient man. It helped me and is a good program; however, I had to leave work to take care of my elderly parents and was unable to work the program. I just made a decision today to get back into his program, after hearing him on the talk radio show this morning, seeking the weather channel.
JUST FOUND THIS ON ANOTHER BLOG SITE
I know this is an old post, but Trudeau is still running infomercials for this book. People should be aware of this man’s history. I found this info on another blog:
in 1990, trudeau posed as a doctor in order to deposit $80,000 in false checks, and in 1991 he pled guilty to larceny after he had provided false information to obtain credit cards which he used for his own purposes. (probably one of his debt cures) he spent two years in prison because of this conviction.
in 1996, his recruitment practices for his multi-level marketing program, nutrition for life, were cited by illinois and michigan, and the “sec”. michigan forbade him from operating in the state.
in 1998, trudeau was fined $500,000 to be used for consumer redress by the ftc, relating to six infomercials he had produced and in which the ftc determined he had made false or misleading claims.
in september 2004, trudeau agreed to pay $2 million ($500,000 in cash plus transfer of residential property located in ojai, california, and a luxury vehicle) to settle charges that he falsely claimed that a coral calcium product can cure cancer and other serious diseases and that a purported analgesic, called “biotape”, can permanently cure or relieve severe pain.
most recently, in september 2007, the federal trade commission has charged kevin trudeau with violating a court order by allegedly misrepresenting the contents of his book, “the weight loss cure ‘they’ don’t want you to know about,” in several infomercials. during the ads, trudeau claims that the weight loss plan outlined in the book is easy to do, can be done at home, and ultimately allows readers to eat whatever they want. however, when consumers purchase the book, they find it describes a complex, grueling plan that requires severe dieting, daily injections of a prescription drug that consumers cannot easily get, and lifelong dietary restrictions.
Free Credit Answers – http://www.credit.com
There is no quick fix to getting out of debt. Just like dieting or getting in shape. You have to work hard and use common sense.
This is a list of the government websites that are supposed to be in Kevins book. I haven’t checked them out, but a friend emailed them to me.
Federal Money Programs
http://www.Grants.gov
http://www.grants.gov/assets/GDG_AppUserGuide_0207.pdf
http://www.sba.gov – Small Business Administration
http://www.fsa.usda.gov – $200K to run a ranch or farm
http://www.dla.cmil.db – $300K to help get government contracts
http://www.rurdev.usda.gov – up to $10 million to start a business in a small town
http://www.sba.gov/INV/venture.html – up to $3 million in venture capital
hi .i’d just like to say that i also wanted the grant websites.some people on here as in life just are more fortunate than others and be damn glad you are and don’t complain about people who aren’t .if it bothers you that much give them some of your money even though you earned it.i would if i could..if you have 145 grand then your living beyond your means.others complain about people looking for free money .donald trump got his.i’m not looking for a hand out.i need some repairs on my house that will be more than 100 .more like 10,000 and a loan is out of the question . thank you
No matter what your income is, anyone can learn to save and budget. People are too quickly looking for an easy way to get out of debt. Don’t complain because of your economic status or crisis – money is something everyone worries about. I own Dave Ramsey’s Total Money Makeover book – I also listen to his radio show. He offers great advice that would be helpful for everyone. Don’t look for someone to give you money or bail you out of debt.
Ron-
Editors Note: Tsk. Tsk. Sara. That’s not a very nice thing to say. I’ve had to delete the whole thing.
Thanks to all who give negative reviewed on K. Trudeau book. I believed you all got scammed.
My husband recently watched a program where Kevin talked about getting out of debt and wanted to by the book and I I told him that when something sounds to good to be true then it probably is not true. Taking him to this website opened his eyes to the unethical practices of people preying on those who are looking to make thier lives better. Kevin should be barred from all TV and any other form of advertisement. He has no moral or ethical values and only cares about himself and his bank account. I would hope no one buys any of his books and the FTC does thier job and stop him from preying on anymore dsperate people.
“There is no quick fix to getting out of debt. Just like dieting or getting in shape. You have to work hard and use common sense.”
This statement by Debt Management Courses sums the situation up beautifully. There’s no such thing as a free lunch. Work hard and be sensible. Don’t get sucked into schemes that sound ‘too good to be true’, because they will be.
Yep. I fell asleep with the t.v. on, woke up and K.T. was going on and on about how the banks charge excessive interest at will with the knowledge of government while targeting the poor and minorities, etc., causing people to become indentured servants, as his female cohorts egged him for more information on how to lower interest rates or become debt free within 24 hours. I wrote the number down and went on line seeking blogs on the subject. I found you; I read each and every one until arriving at the “Leave a Reply”. I am grateful for blogs, I learn so much through them. There’s possibly a blog on everything a person can think of and if not people can start their own. After reading through them, even locating others on the same subject, people can make an intelligent decision one way or the other. Additionally, I’ve seen K.T. on a show where he has been asked about being imprisoned and he admitted wrong-doings, etc. Maybe this makes the viewer trust him more. That was the day I purchased “Cures they don’t want you to know about”. The blogger giving the information about K.T.s misdeeds is also on point. I’ve come to realize K.T. is certainly a “MASTER SALESMAN” as he can really grab people despite foreknowledge of his wrong-doings, dangerous. But we must also remember, people like him will eventually have their day as no one can punish a person like God. With this said, those asking people about the “TWO WORDS” and not receiving a response from the purchaser are probably not given this info because of anger due to them feeling taken advantage of. They probably have a desire for others to pay for nothing as did they, and if the info is good, why not share. Shame! But this is their right.
For those who did share various web-sites, there are many. Individuals can type in something like “government or private grants to pay rent of private citizens,” for example. Generally something will come up. I’ll do this now to see what comes up…WOW AN ENTIRE PAGE CAME UP. Check for yourselves. You can go from there. Your unselfishness will be rewarded. I know because despite all I could complain about, I know I am blessed, even today. Had I not found this blog, I might have wasted my money. Some of you have received this same blessing. I know God has more blessings for me; however I realize He is patiently waiting for me to take care of my current possessions before He adds to it. It’s like money in the bank waiting to be withdrawn. God will continue to add interest until it is time for Him to release it physically, to me. God knows none of us are perfect; however he does want each of us to have life more abundantly. Remember “The Earth is the Lord’s and the fullness thereof”. We’ve got to prepare for this life despite what others are doing.
James 4: 1 thru 10. “You have not, because you ask not for the right reasons.” The rest of this chapter is also good reading, but it isn’t intended for you to walk around gloom and doom. Countered, Matthew 7: 7 – 12. Ask and it shall be given, seek and you shall find, knock and the door shall be open.” Also see Luke 11: 9 thru 15. So be prayerful and believe that God will give you what you need and what you want as well but be careful what you ask for. I’m a living testimony to it all, that God will. Don’t get me wrong, although I am the wife of a minister, which you didn’t know, I’m not a religious fanatic, nor was my initial intention to say anything of this nature. I was just going to say thanks for saving me some money. You don’t have to agree with anything I’ve said, and I’m not here to convince you of anything. But I do know God for myself and am simply sharing some thoughts and what I feel may be helpful information to someone. God works through others and He is a miracle worker, making a way out of no way. Was it not for God making ways out of no way, and the emphasis is on the word “WAYS”, my family and I would not still be living in our single family dwelling. There is not enough time in a day go give you accounts of the goodness and mercy, His forgiveness granted me despite my imperfections and mistakes, my sins. I know God has forgiven me even when I find it hard to forgive myself. But I continue to try despite myself, to do what is right in the sight of God, ever conscious that He know and sees all. This knowledge keeps me grounded.
Each of you start today and make honest attempts to be better stewards over what you have; start preparing yourselves, your households to receive the blessings God does have in store for you. Be prayerful and patient. Tithe 10% of your earnings, this includes tithing from monetary gifts. Leviticus 27:31-32 “Of all we earn, a 10th belongs to God” You can read the rest for yourselves. Some say that’s in the OT. It’s in the NT as well but people make excuses to keep from God that which they would not have had without Him. Malachi 3: 8 thru 12 but read that entire chapter. Partial text, “Will a man rob God. How have I robbed you? Of tithes and offerings. Test me and see that I will open the windows of Heaven and pour you out a blessing that you will not have room enough to receive.” I’m not getting off point, what I am saying is that man disappoints, but God does not. God is always here for us, He never waivers. God loves you and me. It is man, we who move further and further away from God via sin. Again, God doesn’t expect us to be perfect. We are all individually and collectively dysfunctional in some way. Even the best of families are somehow dysfunctional. It’s okay; just try daily to be a better person passing the same to family and friends. And don’t look at those who seem to prosper via wrong. Matthew 5: 43 thru 46. The rain falls on the just as well as the unjust and time and chance happens to each of us, Ecclesiastes 9:1 thru 12. Your time and your chance as well as mine will come again. The question is, “Will we be ready to receive our blessings?”
Keep in the forefront of your mind that everyone and everything on Earth belongs to God who gives and takes at will. That’s better odds than coming from any man I know. Although some people receive instant blessings, patients is key. Remember God does not have to prove Himself to us. You and I must prove ourselves to him. I believe we start out at the center of God’s love, the apples of God’s eye but through sin, we move further and further away from that blessed center finding ourselves at various levels of conflicts. Once outside the boundaries, we can become fair game to the worst of us. Yet some times, I believe God allows some terrible things to happen to some of us in efforts to bring us together as a people. I know you have heard that voice within you saying do this or don’t do that, but you didn’t heed the warning. Many of us sum them up to being at the wrong place at the wrong time; luck, depending on the situation, etc, giving credit to everything and anyone but God. People call on God when they are in trouble making promises to Him only to go back on their word after the crisis is over. Take it from me, it is better not to vow than to make a vow and not keep it. See Ecclesiastes 5:5. I’ve done this and will never do it again. So be of good cheer, God is the answer to every problem we have, from “Aids to Zero debt, but faith without works is dead. Be the best that you can be. And know that despite how upright each of us may be, we will still face trials, tribulations and temptation, tests. Will we pass? YES. Jesus was perfect and you know what man did to Him. If a person does not believe, it won’t happen “for as a man thinks so is he,” and “Faith without works (preparation) is dead” James 14 through 20. You and I must fight the good fight. Let us prepare ourselves to receive God’s blessings. I have given renewed inspiration to myself. If God has reached just one of you through me, this was well worth my time. Blessings to all of you and prepare yourselves now, starting with prayer.
anybody know the two websites to go to about grants
He has a Playboy Bunny as his side kick how serious can this man be.
Has anyone heard of Suzie Orman, take your 19.99 and buy one of her books, now that is a woman you can believe.
I would love to hear what she thinks of Kevin
Belle, that’s a great thought, I would love to hear what Suzie has to say about Kevin T., and his way of seeming robbing people with this Debt Cures book. I must say that I have Trudeau’s Natural Cures Revealed and I joined his web site many years ago. I don’t go to the web site, but I refer to the book for health reasons many times over. He has some things in the book that actually work. If you are taking drugs for anything I suggest you use his book (along with many natural cures web sites) to find better solutions to better health. Read about things like DMSO and Allcin, chinese herbs and my most trusted friend now Organic unfiltered apple cider vinegar! I think Trudeau would be the last person I would listen to about debt as this is not his area of expertise.
Wow! Thank you so much to everyone! I had his website up to order this book–I decided to look around to maybe get a better price (yeah, I am in this position because I did not always look around before purchasing) and found this blog. Thank you, thank you, thank you!
I think it is pretty pitiful that a man would monopolize on people who are trying to make a move in the right direction only to take advantage of them–
I still need help, but don’t know what to do. I want to pay my debts rather than file for bankruptcy but my creditors are not being understanding (I would think they would rather get something than nothing). My husband has not worked with any regularity for over two months. Thanks for all your suggestions and helping me to keep my $40!
I’m willing to bet that a lot of the positive replies here are from someone associated with the company selling the book, they sound way too positive to be realistic.
Kevin Trudeau has been arrested for credit card fraud, and he’s banned from any public servive announcements for life ( I have read on several sites), his “Natural Cures They Don’t Want You to Know About”, was garbage. He states where “Pure Unrefined Virgin Coconut Oil” is one of the natural miracle foods. BS, it raised my Triglycerides from 150 to 389 in 15 days ( dangerous level). I completely cut it out for 15 days and they were back to 150 again.
He says you can clear all debts in 24 hours and owe nothing. I talked to a bankruptcy attorney about this matter, “today” and he said that the only way to clear debts without paying for them is “Bankruptcy”. Grants for free? Never pay back? I talked to the Senator from my state and he says there are no grants to pay off your bills for you. Snake oil salesman? Kevin Trudeau? You better believe it!!
If banks rip us off, why would you buy a book from some asshole like Kevin whom use to work as one of their henchman? Don’t waste your money on this book, when you find out that it’s bullshit, you won’t even be able to get your money back, therefore completing the scam.
within the first five minutes he says nobody knows their interest rate on credit cards and the banks dont want you to know. i am sure the banks would prefer that you dont know, but come on it is on every statement you get. if you dont know what it is it is because you dont care to know. this is typical blame everybody else for your mistakes instead of taking responsibility for your own actions. huge scam don’t waste money on this.
I am sure many more can use whatever advise is available on this subject. Thanks for the pointer. If you make money off it, all strength to you.
I was one mouse click away form getting scammed
then decided to read these blogs, Am I glad I did, K.T. appears a little too sleazy for me, so I did a little research, thank you all for you comments,
If you order anything and try to cancel but they send it anyway, refuse it at the post office and you do not have to pay to ship it back, the tracking number is the same one they used to send it to you, jot it down, that way you know when they received the product back. Thats one debt solution hint i can give you. I’ve had to do it before.
I was watching his informercial, and as one of those horrible bull collectors he talks about, I can personally say he is a liar. He is tricking people into thinking they can reduce their credit card debt with no financial repurcussions. This is not true. What he is referring to is called a settlement, and I do those with customers every day. It is good when someone wants a reduction on the balance of their card, but anything over $599 a credit card company writes off is required by the IRS to be claimed on the customers taxes the following year. Also your credit report shows you settled, not paying in full. These all have repurcussions he is avoiding when he talks up his book. He also claims credit card companies target low income uneducated minorities, which is an out and out lie. It’s against federal regulations to deny or offer credit based on any of those criteria. BEWARE: this book is a scam and this man is a liar.
I don’t know why anyone would buy ANYTHING from an infomercial these days. I haven’t seen one positive post about any of them unless they’ve been written by the company or an investor of the company. I hear one story after another about people being ripped off. They sign up for one thing then find there is money for other things being taken out of there accounts month after month.
Thanks for the post. I am sure many more can use whatever advise is available on this subject, If you make money off it, all strength to you.
I woke up to the KT ad and decided to google for info before buying since his ad did not even show a website address which is unusual for a product “not sold in stores” only an 800 number. I ended up here and thank God for you guys. Since most want to know who read and what is really in the book I went to the source. Amazon show comments from people who buys books and give reviews. Below is the review I copied and pasted that shows the 2 words and DONT BUY THE BOOK! I’m going to google the books she likied instead.
Chapter twelve is about saying the two magic words to get credit card companies to give you some slack. I can’t believe Mr. Trudeau suggest telling your debt collectors that you were a victim of “Identity Theft”. This ruins everything for those of us who were actually victims. Can you cry “Wolf?” Or the debt is not yours (see chapter four here).
Since the undertaking of this book, I have come across two books worth while.
1. Financial Pease by David Ramsey
2. Total Money Makeover also by David Ramsey.
Since reading these books, I have become debt free before the credit crisis and I have started my emergency fund. He seems to be the only one who address both issues.
http://www.amazon.com/Kevin-Trudeaus-Debt-Cures-BONUSES/dp/B0017R7K1M
BTW ….she summarized each chapter also so u really dont have to think about buyin the book. Just scroll down to the bottom of the page on amazon until you get to the very long review. I only copied n pasted what most people were asking for.
There are 55 videos on youtube with David Ramsey giving free advice…..save your money here also since it’s probably the same thing in the book.
WOW, thank you all for the information. i had no idea it was this bad. I will definitely stay away!
Trudeau should be locked up for good but I doubt even imprisonment would stop Trudeau. He would simply write another book-‘Prison Sex Techniques ‘They’ Don’t Want You to Know About.
DO NOT ORDER ANYTHING FROM THIS COMPANY!! THEY ARE A COMPLETE RIP OFF AND A WASTE OF MONEY!!!! SCAM!!!!!
You…are…awesome! This blog is so great. I really hope more people read this and get what youre saying, because let me tell you, its important stuff. I never wouldve thought about it this way unless Id run into your blog. Thanks for putting it up. I hope you have great success.
Debt consolidation appears to be evolving as a realistic strategy for people stuck with unsecured debt. I’ve been following the debt market very closely and it is hard to guage what is actually being purchased for your investment. I know there are a great number or debt service providers out there that serve up great service and the clients truely feel the benefit, but I am also aware there are a large group of debt settlement providers in the market that are only focused on collecting fees and signing up new clients. This is obviosly why there obviosly is so much new federal regulation managing the debt settlement industry. My cousin contracted a debt consolidation service provider and is actually very happy satisfied with the solution that was provided.
It would be nice if this information was shared since school.
We would not have the problems we are facing with today’s economy where people is getting debts they cannot afford.
Investing in this type of education since an early age is a must!