When you understand these trends, then you can see the world is a powder keg that is about to explode.  Read further about these trends.  AND MORE IMPORTANTLY what to do about them...

You can see these above  trends  right now.  The media already sees them.  Do YOU?  I recap what's already being discussed in the media.

Last summer - 2006 - many news commentaries that know some history were saying they felt we were already back in 1938.  Those years just before World War II are here all over again they said.  What happened in 1938?  The year just before Hitler started his thing?  Is there another Hitler in the background waiting his time right now before he begins his rise to power?

To this point, may I suggest as some of the media I indulge in recommends, continue to watch Mr. Edmond Stoiber of Bavaria, Germany who has been trained in the footsteps of Hitler.  Look at what is going on in Germany and Europe today vs. 1938.  Consider these above mentioned public documented trends without the rose-colored glasses and judge for yourself.

It's YOUR future!

Hence, anything tied to the stock market which I believe is about to crash will be worthless.  Take the money out of the retirement plans if you can, willingly pay any penalties and taxes and then pay off all your debts including your mortgage so you are completely debt-free.  Yes, including your mortgage so when everything crashes, you still have a roof over your head some institution can't say "Get out of my house.  Live on the street or elsewhere.  We don't care where you go.  No payments, no house.  Get out."

99.99% or some outrageous figure of all Americans have debt so I can make a general blanket statement to use your former "investments" to pay off your debts - credit cards, personal debs of all sorts, auto/truck/SUV and other "toys" loans and mortgages (first, second, third or more).  

Now THAT - being completely debt free - would give you an immediate return on your investment GUARANTEED of at least 4%, 5%, 8%, 18% and even 24% and more ... AFTER taxes.  No more interest payments to some impersonal third party you have become subservient to just because you became a sucker to take out a loan.  Without debt payments look at and consider what your cash flow situation would be like.  (If you don't understand any of this, write me at the address below and I'll FREELY explain in more depth.)

If you can't take your money out of your existing 401k type plans, don't throw good money after a bad situation by adding to your retirement plans.  If your company continues contributing, it is their money, not yours.  You'll likely never see it anyway.

Once you have  1.)  zero debts (including no mortgage),  2.)  you have at least 6 months Cash Reserve available,  3.)  you have your basic four insurances (health insurance, disability insurance if under 50 to 55, twenty year level term [not universal nor whole life but term] life insurance, appropriate long term care insurance), and you have  4.)  your estate planning completed through an attorney then ...

... then ... consider exchanging some of your excess funds into foreign currencies, such as the Euro, the Yen and others instead of the rapidly devaluating US Dollar ready to tank dramatically.  Other major and not so major countries have started reducing their US Dollar holdings for a reason.  You should too.

... or ... write me and I'll communicate with you at no charge (that means my advice is FREE to you AND I have nothing to sell or gain should you listen or not to that advice) to suggest where to place your money for REAL investments AND true security AND an outstanding sure thing retirement fund where every year in retirement your income WILL increase automatically.  

Would you like your retirement fund to increase in value EVERY year whether "the gambling stock market" goes up ... OR ... down?  And every year in retirement come January first, YOUR take home pay increases as well?  Do first things first and then write me for the simple and easy and guaranteed solution.

Again, if you have a profit from liquidating your investments NOW, like immediately or as quickly as you can, as I said earlier, willingly pay the penalties if under retirement age and the related taxes.  If you have a loss, be thankful you have some left.  It may be that urgent!

How is that for blatant SUPER URGENT severity?  

The dot.com bubble was shown to me 4 to 6 months before it popped.  I told my clients the same as I'm telling you right now - "Get out of the market.  If you have a profit, be willing to pay any taxes and penalties.  If you have a loss, be thankful you have some left."  Those clients who listened, were very thankful.  Those that did not,... well... they weren't happy with themselves.  Will you listen or will YOU feel?

I didn't know the exact month, day and hour for the dot com bubble popping as I don't know when the market will crash in the extreme NEAR future, but I knew the "season".  The season for a major worldwide downturn in the economy is here NOW and for a whopper of a stock market crash.  And the repercussions will be staggering.  Are you listening or will you feel like most other people?

Others are observing the same as what is stated here.  Click here for just one example.

3.  Unplug your TV set and put it in storage.  Even better still, sell it or get rid of it as I did years ago.  There really is nothing on it worth watching.  Instead, for the news and information, use the internet.  See these News Sources and bookmark them.  An example of what you can learn from REAL news watching can be found by clicking here.  World events are now moving extremely rapidly and dramatically affecting YOU and YOUR situation DAILY!  Can you see them and understand them?  They ARE urgently urgent to know about.  Your future IS at stake!

The TV is nothing more than "garbage" or sensationalism.  It truly has so little of real benefit most of the time, you can gain by doing this - turn off the TV and get rid of it.  I did this several years ago and believe it was one of the best decisions I've made.  My life has changed for the better.

For entertainment, pick up jig saw puzzles, board games and books from the local library.  These activities add balance in life while educating.  Your life is worth more than just sensationalism.  Think and consider the direction of and the meaning behind what you are doing.  Why are you here on this thing called earth?

Look for FREE things to do and there really are tons of excellent FREE things to do.  The side benefits will be staggering and shocking.

In the process, 6 months from now, look back and see how you lived through watching the family become closer together, your stress and chaos and "friction" within the family will have diminished substantially, and real peace of mind will have entered your life.  

You may find an increase of respect at work and in the community as well as job advancements may come much faster ... without you even asking for them.  

And I'm dead serious these things DO happen and happen dramatically and shockingly.  Put me to the test and try it and see for yourself.  I'm offering you REAL peace in your life and in your family and in your work place.  You have just been challenged.

Just read this article you might want to consider.  Obviously, it is from a total stranger from his perspective.  Must-flee TV by Cal Thomas.

4.  Put your credit cards in a plastic container, fill the container with water, put a lid on it and then put the container in the freezer for "cold storage".  

When you get the urge to use the credit cards, you'll have to take the container from the freezer, run the block of ice encapsulated credit cards under hot water to thaw them out which will give you time to meditate whether you really really want to do this or not.  Remember, if you put them in the microwave, you'll damage them.  So the only way to thaw them is running them under warm water.  This technique has saved my clients thousands and thousands of dollars.  Literally.  They gloat with wide-faced smiles over how much this has saved them.  They end up midst way through thawing filling the container back up with water and replacing it in the freezer.  That's what they tell me.

5.  Reduce going out to eat to once every 4 to 6 weeks.  Return to making meals at home, especially from scratch and much more healthy.  As most people have gotten away from healthy food preparation, may I suggest you consider these long-time proven tips to restore your vitality, energy, stress reduction and superb peace of mind?  They even taste good.

An old doctor friend shared with me a long time back, "Gary, 90% of all illnesses and diseases are diet related.  Study nutrition and practice good eating habits and eliminate 90% of health problems."  I've talked with quite a number of doctors recently and they all agree while they hope you don't pay attention to these 14 simple tips.

So, ... an additional by-product of healthy eating will be fewer trips by necessity to the doctor and the hospital along with fewer medication prescription expenses.

6.  Review your discretionary expenses as listed on these budget sheets.  Discretionary means "not critical".  In other words, they are luxuries, even if you don't think they are. 

For example, that expensive in many ways and not just dollars and cents cell phone is a real good example.  Turn it off, put it on a storage shelf and cancel the monthly plans associated with it.  Return to the time before we had cell phones.  Society survived very well without them for centuries.  Use your landline as your one and only telephone.  Shop around as there are lots of outstanding bargain fixed rate unlimited calling plans available.

Obviously, you'll have to re-structure your life to plan your life rather than leave it to the spur of the moment distractions your cell phone creates.  Are you backwards controlled like a wagon pulling the dog - you being the stupid jerked around dog and that no smarts inanimate cell phone the wagon controlling you?

Even if you have a business, return to using answering machines.  If someone wants to reach you, they can leave a message.  That is ... IF ... they truly want to reach you for something important vs. just flapping the gums chatting.  That supposes that you truly offer a worthwhile product or service vs. just ripping someone off for a profit.

This technique also will seriously help the low-esteem yet super shallow vanity and ego seeking due to the horrible and obnoxious cell phone.  I know what I am talking about as even though I've had a very successful professional practice, I got rid of my cell phones many years before I retired at the top of the reputation and success pyramid.

Again, within 30 days of no cell phone, your life will dramatically shift in very positive ways, assuming you can go through the drug-addictive withdrawal period.  

Within 60 to 90 days, your life will take on an air of superiority your peers will emulate and may want to follow you due to your true inner peace of mind and tremendous character growth example that no cell phone will create by necessity.

And with all due respect, the pagers for personal use should have been history a long time ago.  There is no reason anybody yet could give me that merited these time wasters and cash flow vanity symbols.  Get rid of them.

Now a word to the wise...

If you think you need 10 to 20% more income to make both ends meet, consider this.

More to come...