It has been a busy time in the news recently with the earthquake that hit Haiti, and also new security issues at airports since someone tried to set off a bomb on a flight to Detroit in America.

From a financial standpoint both of these incidents has huge implications.

Many times I am approached by clients who only have one (1) creditor or one (1) debt they owe.

Now that debt may be substantial in its amount, but they only owe just the one debt and are

I have written about warning signs people experience that may show they are headed for a financial fall, but what I read recently is a huge sign: using credit cards to pay your mortgage or rent.

I receive many calls and emails from people who are struggling to service their unsecured debts and are looking for options, but they own property.

As I write this today I am at home, working, watching the snow and avoiding the roadways.

Why you may ask, but as many of you already know, it is a bit treacherous out there driving as we have had freezing temperatures, ice and now snow and I can see from mine the queues on the roads.

It is difficult even walking as no walkways have been cleared.