Some individuals are having a difficult time.During the real estate boom there were still people not doing so well.This is because they made bad decisions and are suffering the consequences of living too high on the hog during the boom.This is the kind of economy that will create many millionaires, take advantage of this time because there is plenty of money to go around.This is just a natural thing in the economy.It is called a correction in the stock market.If you believe the doom and gloom of the media your doomed anyway.Our economy is the strongest in the world period.The question I have Is there food on your table a roof over your heads and cloths on your back.Hmmmm I guess your not so bad off.You just have to give up a couple of luxuries.Maybe you can;t afford that new model of 10,000 inch plasma screen TV oh well.If you have the neccesities and your family there is nothing to complain about.My wife is filipina and i have been to the philippines.

In this current climate, I'd probably stick to commercial that's anchored by products people will always need - food, clothing, shelter, insurance and alcohol.

Maybe the fact that I was in my work clothes and all sweaty.

Speak with whomever is in charge of lending (usually a VP).Go meet your banker in your finest clothing (you're a business man, dress like one) and put together all your financial statements.

Dept store cards typically have the highest rates, worst fees, worst penalties and if you can only use them at dept stores they tend to create situations where people buy items (clothes, shoes, electronics) that they cannot afford.

Can you imagine no designer clothes - just being happy to have shoes on your feet even if they are 3 sizes too big?

That red is a sticky goo, removable with cloth and fluid.Freezer Neither the freezer shelf nor door were cleaned.

Dampness and wood eating insects are your homes worst enemies.Now with the kitchen and bath out of the way, what do you feel is next?

What ever you do, be sure to have a good paint respoerator, eye protection and clothes that can protect your skin pores when first working in the area.

If you see them jumping around in your clothes, you can spray the OFF on at that time and they jump off.