How To Buy A House With Little Money Or No Credit


Written by Gary Wonning

In today’s world, it seems extremely difficult for people, especially the young to buy a home so they can live the American dream. This has been brought about for a variety of reasons: inflation, extreme demand because of our growing population, and poor planning by the young themselves. 

Many made really bad decisions in life and are now paying the price.  They now want a normal American life with all the trimmings and have no idea how to accomplish that. 

It can be done, you just have to get creative when your credit is shot and you have no money.  The conventional means will not work for you. 

There are many ways to find a home without going through the normal channels. 

One of the best ways is to find a foreclosure, many times these homes are sold for pennies on the dollar and could be bought with a low down payment, another way to to find a rent to own, or maybe an owner is in a  financial pinch, wants to move or for some other personal reason would be willing to have you just take over the payments to assume ownership. 

Some of these methods can get complicated and time consuming but in the end if you find a house to live in or possibly own for a while and resell and make a profit, it would be time and money well spent. 

There are many books available on this topic and it would be well worth your while to do some research and learn more, it could lead to a brighter future than you can imagine. 

Common Sense Living

photo of a distinguished older gentleman

Wisdom lost through the ages, common sense is no longer common.

Gary has been a writer/photographer for over thirty years. Specializing in nature and landscape photography, while studying native cultures.

His travels have taken him to most of the United States, as well as Australia, Belize, Egypt and the Canary Islands.

He has studied the Mayan culture of Central America and the aborigines of

Australia. Photography has given him the opportunity to observe life in various parts of the world.

He has observed that many of the forgotten cultures had spiritual beliefs that were stronger than ours in modern times.

In technology, we have made advances far superior to those that came before us, but, we have lagged behind in gaining or maintaining our spiritual knowledge.

For us to advance as the human race, we need to combine the spiritual knowledge of those that came before us, not only that of the ancients but the knowledge of our direct ancestors as well, with the technical knowledge we have today for us to propel into the twenty-first century and beyond.

He has published several books about his adventures.

For more information, please consult his website,


How to Sell Golf Balls on EBay

Are you looking for an easy and fast way to make some extra money? Look to one of America’s premier online selling sites to provide just that. Selling golf balls for fun and profit is something anyone can do. If you don’t find a source like the author did, anyone can walk a golf course in the evening after the golfers have gone home and find plenty of golf balls to sell.

golf ball copy

An Ebook describing how you can make money from home.

The author has written several EBooks on a variety subjects.

The Need for Labor Unions

probably agree with the conservative talk show hosts 95% of the time,
however I do disagree with them concerning their position on labor
unions. Most of them have never worked in an environment where hundreds
or thousands of people are employed in one location or for one company.
In such an environment , it is impossible for the individual to
negotiate with their employer over working or wage issues and many
employees just don’t have the skills to do so.

these instances the working person needs a union, they need someone to
represent them. When there are thousands of people working in one area ,
they need a central figure to represent them in  grievances and wage

many modern companies, the work environment and pay scale is such that a
strong union isn’t needed. Most companies that want to remain
competitive realize they are competing with every  company out there and
if they want to remain competitive and employ the best and brightest
individuals they need to be competitive as far as wages and benefits are

unions today have gotten too corrupt and have forgotten who they
represent. They are starting to act more like a communist regime than a
representative of the working man. Many times they only support someone
who should by all rights no longer be employed. It takes forever to fire
an employee who has created much dissension and conflict in the work
place, while people of more value  are often neglected because by
supporting them there is no benefit to the union’s agenda.

 What is needed is a kinder and gentler union, the strong arm Chicago
 style tactics are no longer appropriate or acceptable. Unions and
employers have to understand that companies have to make money to be
able to provide jobs and employees do have a right to  a safe and secure

and the company need to work together to provide a safe and profitable
work environment . Both parties need to look at the big picture and
realize they have an obligation to reach a peaceful settlement that
provides a good environment to market their product at a fair price,
while protecting the rights and welfare of the working individual.

today’s world many workers thrive quite nicely without a strong union,
however, their present state of affairs have been made possible only
through the efforts of their union brotheran. Many companies started
providing better wages and benefits through fear of having to deal with a
union, thus working conditions and wages improved for nearly everyone.

in the most ideal conditions , the employee needs some sort of
representation, if only a place to go to if all other avenues of
recourse fail. There are always going to be disagreements and conflict
between employer and employee, not withstanding personality conflicts.
Thus a third party will always be needed to mediate.

today’s world , often times the employee has no recourse , with the
company looking after it’s own agenda and many large unions only
concerned about what is best for them and little concern for their
members, the working employee has few choices to settle his or her
grievances. This needs to change.

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Obama and the Wizard of Oz

I heard a good analogy on a Sunday morning talk show concerning Obama
and the current financial situation. I think it best describes what he
is trying to do better than anything else I have heard.The hosts were comparing Obama and our present administration with the classic 1939 movie, “The Wizard of Oz.”
In their analogy, as in the movie,Dorothy,as well as Obama’s mother, was from Kansas and as such displayed good moral values. Dorothy then traveled to Oz , a land of fantasy and illusion.
there, Dorothy experienced a tornado, in the analogy,  the tornado was
referred to as the large deficit that Obama is creating, it’s what is
hiding behind the curtain that Obama doesn’t want to talk about.
The wicked, evil, witch was referred to as Nancy Pelosi,she was the one who was trying to bring hardship to everyone.
the meantime,the state run media is trying to convince us the economy
is improving when it  isn’t. Do you think it can do that?
The state
run media spent eight years trying to convinced everyone  we were
having a bad economy when it was actually good, so now they are trying
to convince us the economy is good when it is actually in the tank.
They can and will do that. Most people are too busy with their daily
lives to stay informed, they only catch a blurb on the evening news and
that becomes the basis of their information.
media and  Obama say in one breath the economy is improving and in the
next breath announce that 14 GM plants are closing as well many car
dealerships,in the process laying off thousands of people.
Do you think anything public officials can be believed?,
said that social security would never be taxed, now not only is Social
Security being taxed, they are talking of taxing employer paid health
care benefits.
In spite of the fact that social security was never
designed to pay anything out, the minimum age to start drawing benefits
was 65, and the life span at that time was 64,
many still think of FDR as a great president .
fall to socialism probably started with his “New Deal”, accelerated
with the great society of Lyndon Johnson and jumped into high gear
under George Bush and accelerated into supersonic speed under the
regime of Obama.

Although we have been headed for a financial
crisis for years, I am still skeptical about how the financial collapse
of Sept 08 came about, it happened just 5 weeks before an election, I
find it hard to believe that it wasn’t contrived by the democrats to
create a bit of a financial crisis and it got out of hand. There are no
accidents in life, everything happens for a reason.

In the end, Dorothy found that only Dorothy could save Dorothy , no one else could do it.

it is in real life, neither Obama nor the government can save us.
Americans must learn to save themselves. It really doesn’t work as
Dorothy did, we can’t just click our heels three times and be saved.
The only method that will work is to go back to sound economic and spiritual principles, realize nothing happens overnight , work  hard and smart, to build for the future.

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