Recently you suggested to a teacher who was consolodating their student loans. You told them if they should sign up for some student loan forgivness plan and strech out the payments as long as they could because after ten years the rest of the loan would be forgiven. Clark these kind of programs are just the thing that has got this country in the problems it is in now. We are teaching people to avoid paying their debts. This is not right. If you cannot afford something don't by it. I don't care if it is for education. YOu still made a contract to pay a loan back. PAY IT BACK.

Credit Cards are obsolete in todays world. A bank debit card does anything I need a credit card for.... indeed the current financial crisis was caused by too much access to easy credit for irresponcible individuals. If you don't have the money to buy a product that's telling you something. Money should = value NOT DEBT!!!!

I disagree with your recent criticism of employers that do credit checks on their applicants. As a former employer of professional people, I can tell you from experience there is nothing more aggravating than trying to manage an employee who is continually distracted by a bad credit situation of their own creation. A person with good credit has demonstrated they are able to manage their own affairs and might be a good candidate for employment. Granted, there are gross errors in credit records but a good candidate would have detected and corrected it before it became a problem. Considering how many deadbeats there are out there looking for employment, I think employers are entitled to do anything they legally can to screen the employment pool.

Clark

I have been enjoying your show and am amazed at you and your staff. You are truly a gift to America. Our entire economic system is based on the concept that people will be educated and buy responsibly, make sound financial decisions based on their situation, and be a wise purchaser. This is the only way our system will continue to work and yet we don’t even touch on it in public schools. You are a treasure and best of all FREE.

I do want to bring to your attention something I have found regarding bottled water which you speak very lowly of and rightly so. Bottled water as you point out is often a RIP, questionable quality, contained in throw away plastic containers which is bad for the ecology, and extremely expensive. A close friend of mine invested in a company that is based in the USA creating jobs here. They make pure drinking water very similar to what NASA does on the ISS. They first collect water by dehumidifying the air, and then purify the water with filters and a patented ozonator purification system. This system is designed for home or office and you size the system according to the number of people to use it. Including the electricity you can make your own pure drinking water at slightly less than 10 Cents a GALLON. Another benefit is that it dehumidifies and possibly lowers you’re A/C costs. .

The name of his company is available if you want it.
Best Regards
Captain Stern

In Oregon, credit unions are merging and merging and expanding their field of membership to where there is no "family" feeling anymore. I deal with 2 C.U. & 2 Mega Banks, The mega branch employees meet and greet me by name, the CU employees could care less even though I was once president and served 12 years on the board. I predict that congress will take notice and the tax advantages will disappear, then we'll all suffer.

when asked on your site if you reccomend credit consolidation you say no. then there are advertisements for credit consolidation on your site. very confusing.