Finally there's help for the financially weary.

Contrary to popular belief, you don't need to start a business to obtain wealth. You already have what's needed to begin the process. Join the Club and see how easy it is.

http://www.acrisp.com/p-club.html

In publication since January 16, 1998, The Crusader explores many of the changes needed to reorient our lives and put each of us on the "road less traveled" - the Road to Wealth & Prosperity. Enjoy the journey!

A special thanks to all our subscribers around the world. There are now over 10,000 Crusaders with many more joining us daily. We appreciate the confidence you have placed in our publication and pledge to continue providing you with high quality content.

Do a friend or relative a favor and pass this newsletter along to them. Together we will travel down the Path to Wealth & Prosperity, one $dollar$ at a time.

To your financial success!
Al Crisp CPA

* Magical Downline Multiplier System - putting the little guy in the game with the Internet gurus. The playing field has been leveled with this incredible marketing system, and it's FREE to use. http://www.acrisp.com/magic.htm

* "Power Up Your Email" Marketing Course - a FREE seven lesson course delivered by email to help you drastically improve your sales and bottom-line. http://www.acrisp.com/poweremail.html

* FREE Ebook, Just released: "Affiliate Marketing - Your Piece of the Internet Pie." Discover why Affiliate Programs are the fastest and easiest way to start a profitable Internet business. http://www.acrisp.com/am-free.html

How can I get my daughter to learn the importance of savings and managing her money? My teen-aged daughter, in spite of my trying, doesn't want to know. She earns more than enough to pay her bills, but she is always broke and has trouble making payments. She doesn't know where the money goes. How can I reach her before she is trapped in the credit crunch? Bill

Bill is right to be concerned about his daughter. The average college student graduates with more than $20,000 in debts. The problem is severe enough that the National Conference of Bankruptcy Judges (NCBJ) has launched a program that provides middle school, high school and college students some facts about credit and debts.

There is one simple fact that most people ignore about debt. When you borrow money, you must pay it back plus interest owed. So if our average student owes $20,000 and is charged 10% interest, it will cost them $2,000 per year.

Or look at it another way. At $20 per hour, Bill's daughter (we'll call her Cindy) would have to work 100 hours enriching her creditors.

But, here's the kicker. If instead Cindy saved that $2,000 every year for forty years (say in an IRA) and earned the same 10% on the money (the average stock market return for the last century), she'd accumulate just under $1 million!

Being in debt is like having financial cancer. At first, it only hurts a little. The "monthly minimums" don't seem so bad. And you can brag that you're borrowing at low introductory rates and building a credit history. But, the total balance and the minimums are likely to keep increasing. By the time Cindy graduates from college, she'll have over $3,000 in credit card debts if she's a typical student.

The next big move is when she finances a car. The salesperson is helpful. They make the payments very affordable by stretching out the life of the loan. And she doesn't intend to keep the car for five years anyway. So she figures she'll never have to make those last payments. And besides, her best friend just bought a new car so it only seemed fair.

Things seem to be going along ok. Her balances increase, but she's able to afford the minimum payments. The credit card companies must like her because every time she approaches her credit limit, they increase it.

Then one day there's a problem. She looks at her credit card statement and they've boosted her interest rate to 18%. They say it's because her last payment was late. She's furious because it's really the post office's fault. But there's not much she can do about it.

She can still make the minimums, but the higher interest rate caused her balance to grow each month. Cindy thought about cutting her spending, but somehow just couldn't stick with it.

After awhile, she decided that the best thing was to get out of those car payments. She really wasn't that happy with the car anyway. And a different car with lower payments would leave more money at the end of the month for the credit cards.

But despite the ads, it wasn't as easy as she expected. She owed more on her car than it was worth. Remember those last few years of car payments that she didn't think she'd have to make? Well, she either had to make all of them now at trade-in or be prepared to add the amount still owed to the new car loan.

About 25% of all trade-ins are "upside down" with most people adding about $3,000 to their new car loan. Lenders know that if they're forced to repo the car that they won't get all of their money back. So they jack up the interest rate a couple of percent.

That's when Cindy realized that she was probably stuck in her old car and her old car payment. It was impossible to get a car she'd like with a lower payment unless she agreed to six years or more of payments. Ouch!

At this point, she's trapped in debt. Each year more of her time is spent working just to pay her interest charges. And unless she makes serious cutbacks on her spending, she'll always remain in debt.

Worse than that, it won't take much for her to fall behind in her bills. A temporary job loss, short illness or major auto repair could trigger a crisis. And once she starts falling behind, her interest rates will skyrocket at the same time that her credit rating plummets. Generally, the only way out at that point is credit counseling or bankruptcy.

Oh, you're probably wondering why we called our girl Cindy. Because she's the anti-Cinderella. Instead of going from rags to riches, she's managed to turn a promising future into a pumpkin. The way to a happy ending? Get out of debt as soon as you possible can.

Advertise in "The Prosperous Living Crusader Ezine" and get results! For info, visit our Online Ad Placement Center at:

Please support our advertisers listed below. It is through advertising that we are able to provide this newsletter to you free of charge.

LOANS FOR MULTI-UNIT PURCHASE OR REFINANCE.

A&B properties only, no section 8, located in USA. High LTVs. Each property evaluated on case-by-case basis. Loans for 10m and up (no maximum). Points 2-5, close in 30-60 days. We work directly with lender. For more info and link to apply go to http://www.leroylegrand.com

Now, with The Debt To Freedom Program, just using our product can make you a millionaire, even if you NEVER sell a single membership.

How many business opportunities can say that?

http://www.acrisp.com/dtf.html

Skyrocket your SALES, explode your PROFITS and save loads of TIME by delivering information instantly and following up automatically with your HOT prospects, 24 hours a day! Sign up now for FREE! http://www.GetResponse.com/index/55930

Low monthly fee. Residual Income opportunity. Built-in businesses ready to go. Top notch support. And a whole lot more. You'll be impressed with this one. Where the pros go for hosting. Plus FREE membership into The Internet Marketing Warriors Group for anyone who hosts with us.

Until now... The simple secrets of wealth creation have been exposed to the masses.

Visit the Wealth Crusaders at http://www.acrisp.com

Hurry!!! Don't be left behind!

The NEXT LEVEL Safelist - taking your Internet marketing to the next level. Join one of the fastest growing one-click submission opt-in list programs in existence. Say Hello to the easiest and most effective email marketing program available today. Everything is web based on our servers. Daily submissions. 40% Commission to Resellers...

http://www.acrisp.com/nextlevel.html