"Mr. G draws from a background of over 30 years experience as a counselor, speaker, and writer. He is founder and author of SmartStartz, an educational series of booklets for teens through adults. He is a nationally certified credit counselor, ICFE certified credit report reviewer and identity theft prevention specialist and a nationally certified parent trainer. Mr. G serves on the Board of Directors for the Iowa Jumpstart Coalition and is a member of the ICFE'S Board of Educational Advisors. He has authored seven books on finances and family counseling." For information about having Ask Mr G on your website contact: askmrg@yahoo.com.		Ask Mr G also appears on: www.gofirstclass.org www.ccofamerica.com www.consumercredit-dm.com
Email Mr. G with questions or comments at askmrg@yahoo.com

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Attitudes Top 10 List of Credit Don'ts Ten Perspectives That Will Sink Your Financial Ship Four Attitudes That Lead To Financial Ruin Common Attitudes Toward Credit Cards Common Attitude Toward Savings Savings: Overcoming the Obstacles Get Control of Your Finances in 2010: It's As Easy As Pie! Automobiles Affordable Payments? New Or Used? Payments - For How Long? Leasing Vs. Buying Buying or Leasing (2) Reposession - What Is It? Tips For Buying A Used Car Getting The Best Loan Car Title Loans Bankruptcy Chapter 7 Vs. Chapter 13 House and Cars Reaffirmation Agreement Bankruptcy and Credit Counseling Agencies Budgeting A SIMPLE Budget, Please How To Tell What Is "Spendable" Income Budgeting With Fluctuating Income Tracking Expenses Is Not Budgeting Why Is It Always Feast Or Famine? Emergencies Savings - Nobody Does It. Why? Emergencies Savings - Overcoming The Obstacles The Rule of 72 Checks and Checking Accounts Checking Account Terminology How To Write A Check How To Make A Deposit Balancing Your Check Book Christmas Spending Top 10 Things To Remember for Christmas Avoid A Meeting With the Ghost of Christmas Past Things You Should Know About Holiday Gift Cards Christmas Giving That Gives In Economic Hard Times Consumer Protection Rapid Tax-Refund Loans National Do Not Call List Online Shopping Credit Insurance Rent-To-Own Fair Debt Collections PayDay Loans Zero-Percent Financing Cell Phone Plans Work-At-Home Schemes Opting Out of Credit Card Offers The Top Ten Complaints to FTC A safer credit-counseling world? The overall outlook improves for consumers. Credit Ten Perspectives That Will Sink Your Financial Ship Top 10 List of Credit Don'ts What Exactly Is Credit? Installment Vs. Revolving Credit Bad Credit. So What? The Five C's of Good Credit Four Traps To Avoid Credit Repair Clinics Credit Rules Bookmark Will A Late Payment Affect My Credit Score? Does Credit Counseling Lower Your Credit Score? Does Credit Counseling Lower Your Credit Score? A Testimonial. Credit Card News 50% of College Students Have More than $5000 of CC Debt Transaction Statistics Diet or Debt? Average Credit Card Debt TOP TEN REASONS WHY YOUR CREDIT CARD RATE WENT UP Give McDonald's Credit - Literally Opting Out of Credit Card Offers Senior Citizens and Growing Credit Card Debt Credit Card Debt On The Rise Credit Cards: Questions Universal Default: What Is It? Lost or Stolen Cards Interest Rates - How High? Lower Interest Rates? Finances Charges And Closed Accounts Transfering Balances Late Payments And Interest Rates Late Payments And Interest Rates on Other Cards Who's The Biggest? Who can put a charge on our credit card account? Will A Late Payment Affect My Credit? Can A Late Fee Create An Over-Limit Fee? Closing An Account With A Balance? Shopping for a credit card? Age Requirements Credit Cards: Terminology Universal Default: What Is It? APR Vs. Finance Charge Cash Advances Credit Card Vs. Debit Card Credit Limit Grace Period Introductory Rate Vs. Fixed Rate Late Fees? Over-Limit Fees? Pre-Approved Cards Secured Credit Cards Smart Cards

Credit Counseling Agencies What to look for in choosing one. Same Effect As Bankruptcy? Debt Consolidation Company vs Debt Settlement Company A Bad Rap From the Mortgage Industry? Does Credit Counseling Lower Your Credit Score? Does Credit Counseling Lower Your Credit Score? A Testimonial. A safer credit-counseling world? The overall outlook improves for consumers. Credit Rebuilding Rebuilding Credit Credit Repair Clinics Credit Repair Clinics Credit Repair Clinics Credit Reports Free Credit Report? Yes, But Be Careful How Can I Get A Credit Report? What Information Is On It? The What's and The Why's Who Reports to Whom? Bad Marks - How Long? Inquiries Why Do Mistakes Occur? Mistakes - How To Get Them Corrected Fraud New SS#, New Credit Report? The Credit Profile of An Average American Credit Scores The What And The Why The How Making It Better The Do's and Don'ts of Closing Old Accounts Will A Late Payment Affect My Credit Score? Does Credit Counseling Lower Your Credit Score? Does Credit Counseling Lower Your Credit Score? A Testimonial. Raising Your Score As An Authorized User? Creditors Dealing With If Behind What they can and cannot do. Harrassment Fair Debt Collections Debt Ten Perspectives That Will Sink Your Financial Ship Top 10 List of Credit Don'ts Co-Signing: Is It Wise? Your Home: Asset or ATM Machine? Charge Offs - All You Ever Wanted To Know Judgments:What Are They And How Do They Work? Judgment Proof Who's Responsible After Spouse's Death? Divorce and Debt Settlement Agreements - What Are They? Settlement Agreement - Can I Do It Myself? Paying Debt With Home Equity Loans Pay Off Credit Card Debt 5-25 Times Faster Debt Settlement Companies Shocking Facts - What Debt Settlement Companies Don't Tell You Debt Consolidation Company vs Debt Settlement Company Settlement Agreement - Can I Do It Myself? Federal Consumer Protection Laws Equal Credit Opportunity Act Fair Credit Billing Act Fair Credit Reporting Act Fair Debt Collection Practices Act Truth In Lending Act Soldiers and Sailors Relief Act Financial Tips for Economic Hard Times Thanksgiving and Financial Health Christmas Giving That Gives In Economic Hard Times Identity Theft How It Occurs Protection Against If A Victim Identity Thieves Employ High-Tech Tactics 14 Tips to Avoid Identity Theft Lay-offs, Downsizing, and Job Loss Lay-offs, Downsizing, and Job Loss Letters Dispute Credit File Errors Cease and Desist Letter Mortgages Tax Benefits for Home Ownership Reverse Mortgages Home Equity Loans To Pay Off Debt? Owning Vs. Renting (PMI) Private Mortgage Insurance Cancelation Within Three Days Looking for the Best Mortgage Getting The Best Loan Mortgage Loans and Credit Counseling Your Home: Asset or ATM Machine? Savings Overcoming Obstacles To Maintaining A Savings Account Why Do So Few People Save? Young Adult Corner - Money Smart Tips Common Mistakes Young Adults Make with Money and How to Avoid Them 5 Ways to Cut Spending...and Still Get to Do and Buy Cool Things Five Things You Should Know About Credit Cards 50% of College Students Have More than $5000 of CC Debt Five Things You Should Know About... Checks and Checking Accounts Simple, Everyday Things You Can Do to Save Money A Savings Account: Overcoming the Obstacleds A Small Savings Account Can Get Big Over Time Do You Really Need Those $125 Designer Sneakers? High-Tech Banking, 24/7 Getting a Loan: A Responsibility to Be Taken Seriously Ages and Stages of Money Management: A To-Do List Tips For Buying A Used Car Financial Fraud and Theft - Protect Yourself Your Home: Asset or ATM Machine? The Financial Aptitude Test - F.A.T.