Philip Murad

A vast majority of middle American families today know little about personal finance. Many think long-term security is impossible on their income. But, the truth is, no matter what a middle American family’s income level, they can achieve financial security. Middle American families today just have to take the time to learn a few simple principles about how money works. That's where I come in. How much do your friends, family and colleagues know about personal finance? If they’re like the majority of middle American families, they might not know much. I can teach some simple principles about how money works that can help you and people you know get out of debt, save for retirement and buy the right life insurance. I can show you how to become financial set for the future. Learn how to start paying yourself first instead to the creditors.

There were 984 million bank-issued Visa and MasterCard credit card and debit card accounts in the U.S in 2006. (Sources: Visa USA, MasterCard International)

According to data from the U.S. Census Bureau, there were 159 million credit cardholders in the United States in 2000, 173 million in 2006, and that number is projected to grow to 181 million Americans by 2010.
(Source: Census Bureau)

The average consumer's oldest obligation is 14 years old, indicating that he or she has been managing credit for some time. In fact, one out of four consumers had credit histories of 20 years or longer. Only one in 20 consumers had credit histories shorter than two years.
(Source: myfico.com)

And we wonder why the economy looks like it does.....

Setting goals is something middle American family should and needs to work on. Goals help you focus your daily/monthly activity, making sure that you reach your goals. Setting short-term goals is a way to achieve milestones to the long-term goals.

Specialties:Helping middle American families and small businesses put a plan in place to help them achieve their goals and dreams. Helping them put together daily and monthly action plans to track their progress. Help small businesses establish a presence on the web to gain exposure and bring in new clients/customers.