There's just no end to bad deals made to look like good ones...

If you find yourself in deep debt, and hear about a "debt settlement" option, please read this link carefully.  And then read the last sentence again, and again, and again, until you can recite it flawlessly.

Best wishes to any who seek wisdom on this topic!  As with any topic, seek wisdom and counsel from a good source, especially one who does not stand to gain from your decision either way.  Sound familiar?

Haiti - Tragedy Provides Opportunities

Sometimes we may ask, "Why do bad things happen in this world?"  I recall hearing President Hinckley, a Prophet of the Lord, even pose this question, and I believe President Kimball did likewise.  One thing that tragedy almost always provides is opportunity for people to serve and give of themselves.  Thus, there can be learning, growth and development along our quest to become the best we can, to try to become like Christ.  In the recent tragedy of the devastating earthquake in Haiti, many people have physically gone there to assist as they can.  Others have collected or contributed physical items to send.  Countless people are donating funds to be used in aiding the victims.  The recent text message collection was a clever idea and made donating easy to do.  There is no lack of finding some organization or group or method that will collect your generosity.

My personal preference is to choose some method or organization where I am confident that my contributions will be handled in the most efficient manner. That is, an organization that keeps overhead, administrative costs, advertising fees and salaries as low as possible, or maybe non-existent.  If you have not yet donated and are looking for one of these, my recommendation can be found with this link.