Financial Education Services is about helping people that are looking for a drastic financial change.

It's hard not to be worried when confronted with numbers such as these:

* About 43% of American families spend more than they earn each year.
* Average households carry some $9,200 in credit card debt.
* Personal bankruptcies have quadruple in the past decade.

It's not clear exactly where the debt trend will take U.S. consumers or the U.S. economy. But it is clear that both are sailing in uncharted waters.
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sneak up on you.
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Consumers owe nearly $2.1 trillion
American consumers owed a grand total of $2.9773 trillion in October 2007, according to the latest statistics on consumer credit from the Federal Reserve. Thats about $28,654 per household, a figure that doesn't include mortgage debt. The number is up more than 41% from the $2.3999 trillion consumers owed in 2002.

See folks. This are the most resent studies hurting families all across our nation!!

Credit card debt in America!

Americans carry more than $700 billion in revolving debt like bank credit cards and retail cards. How do you compare to the average American borrower?

The majority of consumer borrowing, about 63%, is represented by so-called "non-revolving" debt such as automobile loans. But "revolving" credit, which most typically involves credit cards, is an increasingly significant part of the equation. Revolving debt currently totals $735.3 billion; that's about 31% higher than it was only five years ago. The figure has more than doubled in a decade.

Among the key drivers of debt expansion in recent years:

* Unusually low interest rates.
* The rising popularity of Internet shopping, in which credit cards are the currency of choice.
* The hot housing market, which has encouraged buyers to stretch for new homes.
* The aggressive extension of credit to consumers with weak credit scores.

Let's talk about other issues affecting Americans. (IDENTITY THEFT)

Research undertaken in effects of identity theft articles reveals this type of crime is far from being a rare occurrence. In fact, it is estimated that nearly 11 million cases of identity theft occur each year in the US... and those are just the reported cases.

Many people are victims of identity theft and don't even know that it has happened. That is why it is so important to learn all we can from effects of identity theft articles and arm ourselves with the know-how to guard privacy from this insidious attack.

When a person passes away, they often leave behind a web of both assets and liabilities which must be sorted out. If the person’s will was done right, it will clearly outline who will inherit each asset. However, who’s responsible for the deceased person’s credit card debt? The Rumors Some people that have a terminal illness and will be passing away in the near future assume they can rake up loads of debt on their credit cards, and no one will be responsible for it after they die

Without a properly prepared Living Trust, not only are you mixing death and taxes but a lot of headaches. You are giving your hard earned money away and not to your family.
Probate is expensive and often has a devastating effect to the spouse or family members. California Probate is also a long process so it is very important that you have MyCare Plan will take the time necessary to ensure the success of the trust. Don't risk what you worked a lifetime for.

FES Financial Education Services Protection Plan
An innovative service offering several ways to protect yourself and your loved ones.

Protect your Credit File with Positive Credit Builder!

Your Credit Score is the most important number in your financial life. Your Positive Credit Builder credit analysis document will provide the necessary tools to understand the credit scoring system and how it impacts your financial health and freedom.

Here's what's included:

* Comprehensive analysis of the positive and negative items impacting your credit.
* Personalized action plan to improve your credit file.
* Customized recommendations to build and maintain good credit.
* Education Library, Resource Center and mortgage, college fund and insurance calculators.
* Option to dispute inaccurate accounts.

Protect your identity with LifeLock!
As the leader in proactive identity theft protection, LifeLock takes proven steps to help prevent thieves from destroying your credit and good name - even if they get your information.

* LifeLock Identity Alert System
* Additional protection provided with IdentityAlert, Erecon, TrueAddress and WalletLock
* 1 million dollar total service guarantee
* Reduce junk mail and preapproved credit offers
* Free annual credit reports.

Protect Your Loved Ones Future with FES Financial Education Services Will and Trust Plan
Planning for life's uncertainties brings you and your family peace of mind. But a will alone is not enough. You also need a living trust, medical power of attorney, and financial power of attorney.

FES Will and Trust is the premiere comprehensive, affordable, easy-to-use package with everything you need. No add-ons, no surprises.

* Developed by attorneys
* Comprehensive low-cost package includes will, living trust, medical and financial powers of attorney
* Endorsed by credit unions and community banks
* Superior, unlimited customer support
* Full legal documents sent directly to you for signing & notarizing

Protect your finances with FES Financial Education Services DebtZero
SAVE THOUSANDS with the most effective, most efficient debt pay off system available. Get out of debt easier than ever with a clear precise plan that is customized for you.

* Pay Off Debt Fast
* Save Thousands
* Gain savings and extra discretionary income

Financial Education Services (FES) is here helping families all across our Nation:

FES Financial Education Services Protection Plan
An innovative service offering several ways to protect yourself and your loved ones.

Protect your Credit File with Positive Credit Builder!

Your Credit Score is the most important number in your financial life. Your Positive Credit Builder credit analysis document will provide the necessary tools to understand the credit scoring system and how it impacts your financial health and freedom.

Here's what's included:

* Comprehensive analysis of the positive and negative items impacting your credit.
* Personalized action plan to improve your credit file.
* Customized recommendations to build and maintain good credit.
* Education Library, Resource Center and mortgage, college fund and insurance calculators.
* Option to dispute inaccurate accounts.

Protect your identity with LifeLock!
As the leader in proactive identity theft protection, LifeLock takes proven steps to help prevent thieves from destroying your credit and good name - even if they get your information.

* LifeLock Identity Alert System
* Additional protection provided with IdentityAlert, Erecon, TrueAddress and WalletLock
* 1 million dollar total service guarantee
* Reduce junk mail and preapproved credit offers
* Free annual credit reports.

Protect Your Loved Ones Future with FES Will and Trust Plan
Planning for life's uncertainties brings you and your family peace of mind. But a will alone is not enough. You also need a living trust, medical power of attorney, and financial power of attorney.

FES Will and Trust is the premiere comprehensive, affordable, easy-to-use package with everything you need. No add-ons, no surprises.

* Developed by attorneys
* Comprehensive low-cost package includes will, living trust, medical and financial powers of attorney
* Endorsed by credit unions and community banks
* Superior, unlimited customer support
* Full legal documents sent directly to you for signing & notarizing

Protect your finances with FES DebtZero
SAVE THOUSANDS with the most effective, most efficient debt pay off system available. Get out of debt easier than ever with a clear precise plan that is customized for you.

* Pay Off Debt Fast
* Save Thousands
* Gain savings and extra discretionary income

See folks this are some of the things we can do: www.Financial-EducationServices.com

Financial Education Services Coach
National Sales Director
Fernando Ramirez
805.404.9877