A Letter From The Editor
John Adams once said “All the perplexities, confusion and distress in America arise… from the downright ignorance of the nature of coin, credit, and circulation.” Things have changed a lot since John Adams was alive, but it is still important to understand money and credit in order to avoid financial distress. This issue of Happy Living provides an introduction to credit in our current day. Almost everyone has purchased something on credit. But few of us understand the variables that affect our credit ratings. How do you start to establish credit? How can you improve your credit rating? How will debt consolidation affect your rating? For any issues that require more in-depth understanding, we’ve provided information about credit counseling. There are experts who can help you overcome any credit problem, even bankruptcy.