Overwhelming Debt Causes a Ripple Effect

overwhelming debtWhen your drowning in overwhelming debt all troubles are magnified. Overwhelming debt produces such stress it is hard to carry on as “normal.”
Are you one of the millions of people who have to much overwhelming debt? Many marriages break up because of to much debt. Couples do not remember the marriage vows about, “for better or for worse. In good times and in bad.” being in debt would certainly fall in to the “bad times.”
People get into debt for many reasons. The stress of thinking about how to get out of debt is so overwhelming to many that they simply continue to put off thinking about it. I hate to tell you but putting off thinking about it is not helping, the ostrich with the head in the sand does not work at all in this case.
To get out of overwhelming debt you must take action. You need a plan. John Cummuta’s overwhelming Debt to Wealth plan is not rocket science but it is a plan. A step by step plan for getting out of debt. It is all laid out… do this first, do this next… now  you have to do this, step by step.
Part of John’s package is an audio presentation. I had to travel out of town so I listened to John’s information while I drove. I enjoyed his entertaining style. John gave personal testimony. The recording was from a workshop that he had done about overwhelming debt and how to get out of it.
The audio portion is just a small part of what you get with John Cummuta’s overwhelming Debt to Wealth program. The information is very informative. Will it work for everyone? It will only work for the people that follow the information and take action.

Your way out of overwhelming debt


Cindy
Posted under John Cummuta's Debt into Wealth,overwhelming debt by Cindy on Thursday 26 November 2009 at 9:30 pm

Review of John Cummuta’s Overwhelming Debt to Wealth

overwhelming debt After hearing the radio commercial for John Cummuta’s overwhelming Debt to Wealth program many times I simply had to know his secret formula. I purchased the information and I listened and I read  what John’s answer to overwhelming debt was. This is my review of that information.
Since my purchase was made online I had immediate access after I downloaded the Debt to Wealth file.
John knows first hand about overwhelming debt. Millions of people are drowning in debt, John was one of them. Are you drowning in overwhelming debt? The information contained in Debt to Wealth is a result of how John himself was able to dig himself out of seemingly overwhelming debt. Not only did the information that he put together work for him but it worked for several of his family members as well, all with great success. Since then John’s Debt to Wealth program has helped millions of people all over the world.
The audio part of the information that I received was recorded at one of John’s workshops. This was a workshop where he spoke about how to get out of debt and go onto to pay off all of the debt that you have. One of the things John points out is that it is important to know the difference between debt and bills.
John’s entertaining presentation was filled with personal stories and first hand knowledge of his own ability to get out of overwhelming debt.
Everything from how did this happen? What can I do to stop this from continuing? What can I do NOW?
John tells you how he helped himself and has helped millions of others get out of overwhelming debt. He will be the first to tell you that it is not rocket science but that it is a step by step plan for getting out of debt.
During John’s presentation he tells about many traps and pitfalls to be on the lookout for. As well as giving solutions.
I am sure many will benefit greatly from this information. Will it help everyone? It will only help those who are willing to listen and those that are willing to take action on the information that is provided.
I have read a few reviews from others about this Debt to Wealth program. I heard that a follow up phone call is placed from one of the staff people asking you if you would like additional personal coaching. I must have fallen through the cracks because I didn’t receive one of these phone calls. I also read in these reviews that the monthly fee for this private coaching was rather expensive. But as I said I never got one of these phone calls so I am only going by what I have read from others.
The information that I got out of the overwhelming Debt to Wealth program was enough so that I would be able to follow the plan. Even if they would have called me I would have listened to the offer but I know how to say “NO.” As a matter of fact leaning to say “NO” is one of the things that John teaches. So when I read these reviews from other people about the follow up calls I have to chuckle. They are not following the plan that John has laid out for them.
Not being able to say “NO” is one of the reason that many people are drowning in overwhelming debt.
Myself, I thought the information that was offered in the overwhelming Debt to Wealth program that I downloaded was very beneficial and informative. Perhaps others would need the personal coaching that is offered to stay on track and continue with the step by step but not me. What I received from the download was enough.
I hope this review was helpful to you.
Click to read more about Debt to Wealth

Cindy

Posted under John Cummuta's Debt into Wealth,overwhelming debt by Cindy on Thursday 26 November 2009 at 9:13 pm

The Day in Pictures September 11,2001

We can all recall that horrible day. We will always remember exactly what we were doing when we first heard that a plane had crashed into one of the Twin Towers.
I have a PowerPoint presentation with some of the most remarkable picture from that day that we will never forget.
I just had to share these with you.

September 11, 2001


Please turn on your speakers
When you click the link it will ask you if you would like to Open or Save. Click Open and the presentation will start. PowerPoint presentations must be advanced by you. Hover in the lower left corner and you will see the icons.
Cindy
Posted under stuff you need to know by Cindy on Thursday 26 November 2009 at 8:12 pm

50 years of history in less than 3 minutes!

toe tappingWhether you are a Billy Joel fan or not, you probably remember his hit song  ‘We Didn’t Start the Fire.’
”Here it is, set to pictures—
Had to share this one. It’s a fabulous flashback through the past half century.  Turn up volume, sit back and enjoy a review of 50 years of history in less than 3 minutes!
Thanks to Billy Joel and some guy from the University of Chicago with too much time to Google!

I wonder how many of the images those under 40 will recognize from the early part of the song??
You might have to watch this more than once. 
Click here, turn UP your speakers, and Please give it time to load, it will be worth it.

You also will want to click Full screen in the upper left hand corner, ENJOY!
Cindy

Posted under stuff you need to know by Cindy on Thursday 26 November 2009 at 7:48 pm

The Truth About Thanksgiving

 
The Truth About Thanksgiving I got this article in an email. I found it so interesting I asked the author, Geoff Metcalf if I could post it here on my blog for all to read..

 
 
 After I read the article I poked around on his web site.
Interesting place I must say.
 
Cindy

Posted under stuff you need to know by Cindy on Tuesday 24 November 2009 at 9:53 pm

Do you beleive what they say about women drivers?

 which is her sideThis has got to be some of the funniest stuff I have ever seen.
I hope you enjoy it too. 
Turn up your speakers… the music really adds to it.

Please give it time to load.
Don’t you just love Female Drivers

Cindy

Posted under Uncategorized by Cindy on Tuesday 24 November 2009 at 3:36 pm

Miracle on the Hudson Flight 1549

 

I was so moved by the story of Flight 1549. This event was shown all over the world. I have put together pictures and articles about that unbelievable cold day in January 2009.
 
This is a first-hand account from a passenger on Flight 1549. It is an internal memo to the members of his firm.  It is very well written, is descriptive, and gives this man’s honest reactions to the events around him.  It’s from a partner at Heidrick & Struggles, an executive recruiting firm, who was on Flight 1549.  Gerry McNamara (New York/Charlotte) was on US Airways Flight 1549.
 
Here is his account of the event:
 
Thursday was a difficult day for all of us at the firm and I left the Park Avenue office early afternoon to catch a cab bound for LaGuardia Airport. I was scheduled for a 5 pm departure, but able to secure a seat on the earlier flight scheduled to leave at 3 pm. As many of us who fly frequently often do, I recall wondering if I’d just placed myself on a flight I shouldn’t be on!
 
Just prior to boarding I finished up a conference call with my associate, Jenn Sparks (New York), and our placement, the CIO of United Airlines. When I told him that I was about to board a US Airways flight, we all had a little fun with it.
 
I remember walking on the plane and seeing a fellow with grey hair in the cockpit and thinking “that’s a good thing… I like to see grey hair in the cockpit!”
 
I was seated in 8F, on the starboard side window and next to a young business man. The New York to Charlotte flight is one I’ve taken what seems like hundreds of times over the years. We take off north over the Bronx and as we climb, turn west over the Hudson River to New Jersey and tack south. I love to fly, always have, and this flight plan gives a great view of several NY landmarks including Yankee Stadium and the George Washington Bridge.
 
I had started to point out items of interest to the gentleman next to me when we heard a terrible crash – a sound no one ever wants to hear while flying – and then the engines wound down to a screeching halt. 10 seconds later, there was a strong smell of jet fuel. I knew we would be landing and thought the pilot would take us down no doubt to Newark Airport. As we began to turn south I noticed the pilot lining up on the river – still – I thought – en route for Newark.
 
Next thing we heard was “Brace for impact!” – a phrase I had heard many years before as an active duty Marine officer but never before on a commercial air flight. Everyone looked at each other in shock. It all happened so fast we were astonished!
 
We began to descend rapidly and it started to sink in. This is the last flight. I’m going to die today. This is it. I recited my favorite bible verse, the Lord’s Prayer, and asked God to take care of my wife, children, family, and friends.
 
When I raised my head I noticed people texting their friends and family….getting off a last message. My blackberry was turned off and in my trouser pocket…no time to get at it. Our descent continued and I prayed for courage to control my fear and help if able.
 
I quickly realized that one of two things was going to happen, neither of them good. We could hit by the nose, flip and break up, leaving few if any survivors, bodies, cold water, fuel. Or we could hit one of the wings and roll and flip with the same result. I tightened my seat belt as tight as I could possibly get it so I would remain intact.
 
As we came in for the landing, I looked out the windows and remember seeing the buildings in New Jersey, the cliffs in Weehawken, and then the piers. The water was dark green and sure to be freezing cold. The stewardesses were yelling in unison: “Brace! Brace! Brace!”
 
It was a violent hit – the water flew up over my window – but we bobbed up and were all amazed that we remained intact.
 
There was some panic – people jumping over seats and running towards the doors, but we soon got everyone straightened out and calmed down. There were a lot of people that took leadership roles in little ways. Those sitting at the doors over the wing did a fantastic job…they were opened in a New York second! Everyone worked together – teamed up and in groups to figure out how to help each other.
 
I exited on the starboard side of the plane, 3 or 4 rows behind my seat, through a door over the wing and was, I believe, the 10th or 12th person out. I took my seat cushion as a flotation device and once outside saw I was the only one who did….none of us remembered to take the yellow inflatable life vests from under the seat.
 
We were standing in 6-8 inches of water and it was freezing. There were two women on the wing, one of whom slipped off into the water. Another passenger and I pulled her back on and had her kneel down to keep from falling off again. By that point we were totally soaked and absolutely frozen from the icy wind.
 
The ferries were the first to arrive, and although they’re not made for rescue, they did an incredible job. I know this river, having swum in it as a boy. The Hudson is an estuary – part salt and part fresh water – and moves with the tide. I could tell the tide was moving out because we were tacking slowly south towards Ellis Island, The Statue of Liberty, and The Battery.
 
The first ferry boat pulled its bow up to the tip of the wing, and the first mate lowered the Jacobs ladder down to us. We got a couple people up the ladder to safety, but the current was strong, pushing the stern of the boat into the inflatable slide, and we were afraid it would puncture it..there must have been 25 passengers in it by now. Only two or three were able to board the first ferry before it moved away.
 
Another ferry came up and we were able to get the woman who had fallen into the water on the ladder, but she just couldn’t move her legs and fell off. Back onto the ladder she went; however, the ferry had to back away because of the swift current. A helicopter arrived on station (nearly blowing us all off the wing) and followed the ferry with the woman on the ladder. We lost view of the situation but I believe the helicopter lowered its basket to rescue her.
 
As more ferries arrived, we were able to get people up on the boats a few at a time. The fellow in front of me fell off the ladder and into the water. When we got him back on the ladder but he could not move his legs to climb. I couldn’t help him from my position so I climbed up the ladder to the ferry deck where the first mate and I hoisted the Jacobs ladder with him on it…when he got close enough we grabbed his trouser belt and hauled him on deck. We were all safely off the wing.
 
We could not stop shaking. Uncontrollable shaking. The only thing I had with me was my blackberry, which had gotten wet and was not working. (It started working again a few hours later).
 
The ferry took us to the Weehawken Terminal in NJ where I borrowed a phone and called my wife to let her know I was okay. The second call I made was to Jenn. I knew she would be worried about me and could communicate to the rest of the firm that I was fine. At the terminal, first responders assessed everyone’s condition and sent people to the hospital as needed. As we pulled out of Weehawken, my history kicked in and I recall it was the site of the famous duel between Alexander Hamilton and Aaron Burr in 1804. Thankfully I left town in better condition than Mr. Hamilton who died of a mortal wound the next day! I stayed with my sister on Long Island that evening, then flew home the next day.
 
I am struck by what was truly a miracle. Had this happened a few hours later, it would have been pitch dark and much harder to land. Ferries would no longer have been running after rush hour and it would not have been the same uplifting story. Surely there would have been fatalities, hypothermia, an absolute disaster!
 
I witnessed the best of humanity that day. I and everyone on that plane survived and have been given a second chance. It struck me that in our work we continuously seek excellence to solve our client’s leadership problems. We talk to clients all the time about the importance of experience and the ability to execute. Experience showed up big time on Flight 1549 as our pilot was a dedicated, trained, experienced professional who executed flawlessly when he had to.
 
I have received scores of emails from across the firm and I am so grateful for the outpouring of interest and concern. We all fly a great deal or work with someone who does and so I wanted to share this story – the story of a miracle. I am thankful to be here to tell the tale.
 
There is a great deal to be learned including: Why has this happened to me? Why have I survived and what am I supposed to do with this gift? For me, the answers to these questions and more will come over time, but already I find myself being more patient and forgiving, less critical and judgmental.
 
For now I have 4 lessons I would like to share:
 
 
1. Cherish your families as never before and go to great lengths to keep your promises.
 
2. Be thankful and grateful for everything you have and don’t worry about the things you don’t have.
 
3. Keep in shape. You never know when you’ll be called upon to save your own life, or help someone else save theirs.
 
4. When you fly, wear practical clothing. You never know when you’ll end up in an emergency or on an icy wing in flip flops and pajamas and of absolutely no use to yourself or anyone else.
 
 
And I’d like to add: Fly with grey-haired pilots!

I have a power point presentation of pictures taken this cold day in January of this Miracle.
Flight1549~Bruce~1-19-2009
When you click the link it will ask if you would like to Open or Save. Click Open and you will be able to view the pictures. If you are unfamiliar with power point presentations you will need to advance to the next picture yourself. If you hover in the lover left hand corner you will see the icons.

I really think this picture sums up what really happened that cold day in January 2009.

Miracle on the Hudson Flight 1549

Posted under stuff you need to know by Cindy on Monday 23 November 2009 at 6:23 pm

VIN NUMBER WARNING-Here is INFO worth the price of your car….

imagesCA69ZPVW I got this warning in an e-mail from a friend of mine. By taking a simple precaution this may save you from getting your car stolen….
 
WHAT WILL the car thieves THINK OF NEXT?
The car thieves peer through the windshield of your car or vehicle, write down the VIN # from the label on the dash, go to the local car dealership and request a duplicate key based on the VIN #.
 
I didn’t believe this e-mail, so I called Chrysler-Dodge and pretended I had lost my keys. They told me to just bring in the VIN #, and they would cut me one on the spot, and I could order the keyless device if I
wanted.
 
The Car Dealer’s Parts Department will make a duplicate key from the VIN #, and collect payment from the thief who will return to your car.
 
He doesn’t have to break in, do any damage to the vehicle, or draw attention to himself. All he has to do is walk up to your car, insert the key and off he goes to a local chop shop with your vehicle.
 
To avoid this from happening to you, simply put some dark tape (electrical tape, duct tape or medical tape) across the VIN Number Metal Label located on the dashboard. By law, you cannot remove the VIN, but you CAN cover it so it can’t be viewed through the windshield by a car thief.
 
Cindy
Posted under stuff you need to know by Cindy on Monday 23 November 2009 at 5:59 pm

Lonnies Tradition

 

Lonnies Tradition I must tell you about a tradition that my friend Lonnie has been doing since 1995. He is expecting 24 guests for Thanksgiving dinner this year. Lonnie loves to cook so I am sure he will be in his glory.
 

 
With the dinner he is serving an Italian Red wine. This year he has purchased a 5 liter bottle. When the contents of the wine bottle are gone, he will inscribe the date and menu on one side, including things brought by guests, and the guests that were in attendance on the other side.
 
I just think that is a wonderful tradition.
Thanks for sharing that Lonnie.

This is what is on the menu, doesn’t it sound wonderful?

 
 

                  2009 Thanksgiving Menu
Hors D’oeuvres
 
Jalapeño Rellenos En Escabeshe
 (Peanut butter/bacon stuffed canned Jalapeño peppers with a T slice cut into them for removal of the seeds and all of the white material which is the hot part and stuffed with the peanut butter/bacon mixture.  Garnished  with grated cheese.  I left out the bacon for the vegetarians in attendance.
 
Cucumber Delights
Mini Cucumbers sliced in 1 inch segments centers hollowed out for stuffing with apricot, dried apricot, pistachio, current cream cheese mixture
 
Main Course
 
24 pound stuffed Turkey, Free Range.
Walnut flavored string beans
Vegetarian Mushroom Polenta
Corn Pudding
Lonny’s Mashed Potatoes
Glazed carrot coins
Baked sweet potatoes with melted marsh mellows
Cranberry logs
Giblet Gravy
Vegetarian Gravy
Giblet Dressing
Vegetarian dressing
Green salad with Green Goddess vinaigrette
 
Deserts
 
Pumpkin pie
Blueberry Pie
Mince meat pie
Cherry pie
Cheese cake
 
Liquids
 
Iced water
Iced Tea
5 Liter Bottle Italian Red wine
Children’s wine (sparkling apple cider)
 
 
 
 
 
 

Posted under stuff you need to know by Cindy on Monday 23 November 2009 at 5:45 pm

Learn what to do if you suffer a heart attack while ALONE

heart attack  What would you do if you were having a heart attack while alone.
Would you know?
Watch this presentation and pass it on. It may be helpful to you or others who may see it.
I had no idea. I found it very interesting.
Great information to know.

HeartAttack1  Click to learn

When you click the link you will be asked to Open or Save. 
Just click Open to watch the power point presentation .
If you are unfamiliar with power point presentations, please note that you must advance the slides.
You will see the icons if you hover in the very lower left corner. You might want to turn on your speakers
Cindy

Posted under stuff you need to know by Cindy on Monday 23 November 2009 at 5:08 pm

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