Introduction
To start building wealth, most people simply need to change their mentality. 
MoneyDecisions101 will open your mind to help you focus on your financial future.

On September 11 2001, the United States suffered the worst attacks ever, by terrorists, at the World Trade Center in New York City. The result was the loss of thousands of innocent lives due to the collisions of aircraft causing the collapse of trade center buildings themselves.

During the attacks, the financial world took a beating. The stock market starting collapsing too. Six days after, the DOW was down 685 points. To prevent a recession or even worse, another great depression, the US Federal Reserve System did something drastic: they started a rapid lowering interest rates to a rock bottom value.

This in turn, kept the US financial world (and probably the rest of the entire world) afloat. By lowering interest rates, people in the U.S. began to buy things: homes, land, etc. This kept the economy going and spurred job growth. Manufacturing, construction, land scaping, mortgages/loans/brokering, real estate sales thrived. From 2002 to 2006, the U.S. real estate market went crazy... too crazy.

Home sales went wild, home prices sky rocketed, real estate investing became common place, loans became easy, and mortgage brokers enjoyed the good life. All driven by greed...
Many new, unconventional loans became popular. People starting borrowing way too much money and were buying too much house. By 2005, a real estate bubble became obvious. Home values had been increasing at ridiculous rates. The market was way over inflated.
 

All good things must come to an end, and in 2007 the real estate bubble popped. 
Now, the Stock Market is suffering from the housing market. Foreclosures are at all time high. Lending practices have been tightened. Many will suffer financially, due to greed and their ridiculous buying appetites.
 
 
 
 

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