I'm Lorenzo Hardy
Independent Financial Adviser for 12
years.Licensed by the National Association of Securities Dealers, the Securities and Exchange Commission as a Registered Investment Adviser on the federal level.

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If you have a job right now, Thank God. If you’re looking and haven’t found a lot of success, consider volunteering. It may not seem like the easiest solution but it will keep your skills from going down and put you in front of people to network and promote yourself to. These days we are in a position to help others less fortunate than ourselves and since you are a little down on your luck, go out and help someone else it really makes you feel good about yourself and it will put a smile on someone else’s face. I teach a ministry class and I get so much joy teaching people about God’s word. It makes me study the bible more and gives me a chance to interact with people who are less fortunate than myself. It gives me hope, encouragement, love and a will to succeed. So take time out to volunteer, It will make your day!

Bankruptcy and Foreclosures are sweeping the nation. After all the dust is settled, I would like to make some suggestions. Bankruptcy should only be used as a last resort. The laws have changed because everyone was getting rid of their debt. In October 2005 The laws changed and it is almost impossible for a person who is working to discharge all their debt and start over. The court takes in what you owe against what you make and they set up a payment plan for you to pay the trustee, who in turn pays your creditors. if after 5 years you still owe these creditors they can start trying to collect again and you are right back where you started and the bankruptcy stays on your credit report for 10 years! This is called a chapter 13 wage earner plan. Some people who have lost everything and are not working can qualify for the chapter 7 bankruptcy but you can’t own anything after the discharge including your home. The trustee sells everything of value to pay your creditors and you are no longer expected to pay but it also stays on your credit report for ten years.  Avoid bankruptcy if you can. Call up everybody you owe and negotiate a new payment that’s the same thing the trustee is gonna do. If they don’t want to negotiate with you start sending what you can afford. If it’s 10 dollars send it if they ever try to garnish your wages, the court will tell them no because you made an effort to pay. In the case of foreclosure, I recommend stop paying your payment and start saving for a move. Most of the houses now are not worth what you owe on the house. In Detroit, houses are not worth more than 20,000 and people owe 100,000 or more for these houses and you can buy a house from 1,000 to 20,000 in Detroit. So i tell people to stop paying save your money until they put you out and go buy another house or pay the rent for another year somewhere else. I know a lot of people who have found houses in good shape for 3,000 to 10,000 dollars and if your payment is close to a 1,000 you could buy a house by the time the foreclosure proceedings are over.

I WENT TO BIBLE SCHOOL TONIGHT!  We were discussing the covenants God made with his people. First there was the Adamic covenant and then Davidic covenant and The covenant of our Lord and Savior Jesus Christ. One of the students asked if this was still effective today and I asked him to go back to where we started about God’s covenant with Adam, Gods covenant with Abraham, I will bless your children, your children’s children, and your children’s children’s, children and God fulfilled his promise to Abraham and fulfilled his promise to David by  having his descendant Mary birth our Lord and Savior. As this year comes to a close I don’t believe that I have ever seen times like they are now. Our parents would probably tell us something different. I am but one person but God made a covenant with all of us. Believeth in him and confess thy sins with thou mouth and repent of your sins and you shall be saved. I believe in my heart that I have a purpose in my life and that God is directing my path to get my brothers and sisters to wake up to what’s going on.  I started this website to educate people of any race to understand this financial world in simple terms that average people can understand. I know it’s hard to learn new tricks but we have to make a way for our children and our children’s children. I need you to think about where you’re gonna be in 10, 15, or 20 years. Are we gonna always owe someone. Do we want to work all our lives and end up broke. People always say to me I live for today because tomorrow ain’t promised to me. But, one knows how long there gonna be here but it would be terrible to live another 30 years after retirement and waiting on the Social Security check that just pays the rent. We have to plan as if we are gonna live forever because we leave something for our kids “oops”, children my aunt told me kids are goats! That leaves them in a position to leave their children something. This site is for you to ask questions and get real answers. I’m going to be honest with you and If I don’t know something I’ll tell you I don’t know but I will find out for you! God left us a inheritance and a covenant and we should take better care of this blessing and be obedient to God’s word and know that God will never leave you or forsake you. Hold on to God’s unchanging hand! I am asking people who read this to tell 10 more people to read this post and give me some feedback!!!! I want this to be where we get the honest truth. So 10 friends tell 10 friends and 10 tell 10 more. I want to see if we can spread this site all over the Internet and be like the Obama campaign. So I look forward to hearing from you soon. Be Blessed in the Lord our Savior and pray for your brothers and sisters in the war and all who have lost jobs and everyone in pain lift them up and pronounce them healed.

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