Fed cut rates to a record low. Fraud on wall street is bigger then ever. Is it a buying opportunity of a life time or a beginning of entirely new economic trend. Do stock market cheerleaders on CNBC follow their own advice. It is time to look back at history of finance to understand what is going on now and what will happen next. Availability of credit equals trust followed by a borrowers responsibility to repay. It is not just a FICO score and a loan to value ratio. It is more social economics. We must go back to a simple rule of know your customer. Smaller is better. Big business gets bailed out while mom and pop shops are allowed to fail. The greatest opportunity exist today to serve your community by supporting a small local businesses. that will revitalize local economic problems, create more jobs and strengthen real estate.


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Charging interest on money lent is not the same as investing your money and making a profit.The main difference between lending and investing is in the RISK-SHARING.An INVESTOR risks the loss of the ENTIRE investment if the venture doesn't work;The lender's risk is reduced because his loan is often secured, and while that may not guarantee the full value of the principal loaned, added to the interest already earned, it often allows the lender to break-even or make a profit.

Lending money directly to other people who need to borrow it.

There are no banks involved.
Lenders can potentially make more than they normally would by keeping their funds in a traditional investment, by receiving higher rates of interest, directly from the borrowers.