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16 Feb

You signed a contract where everyone knew the risks. That's where all the mansions come from while you were struggling to pay your mortgage. Or worry about killing yourself or feeding your kids. You weren't trying to be bad, but (as the banks already modeled) sometimes bad things happen to good people. I was also late on a state tax return (but not federal). Just those two things and because I have no credit cards (so no opportunities to show regular payments) my credit score fell from 780 to 580. The investors in the hedge fund make money but mostly the hedge fund manager gets enormous fees off of the money they collect. But you don't deserve to struggle with your mortgage either. In the confusion of houses and misery and despair and kids were scared and "nothing will ever be the same", we were a few days late on two mortgage payments in a row. Again, I know this because I know the hedge funds that are the ultimate beneficiaries (not the banks, or the credit card companies). Since 2007 I've rented four other apartments, had background checks run on me, and even leased two cars. Did it effect the final price on anything or cause me to be rejected from anything. All of this is to say: your character creates your future.

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This is all happening between three and 12 months after you stopped paying on your debt. And I’d like to share what I’ve learned, and continue to learn, for free. I’ve spoken to some of the top innovators, investors and peak performers in the world…, Tinder is the harbinger of today's hookup-fuelled "dating apocalypse." But the truth of the matter is, hooking up isn't anything new (and may in fact be hardwired into our genetics).And as for Tinder, sure, it can be used for swiftly finding a one-night stand, but there are plenty of other apps that are better suited for that task.