A self-help book for high school students, college freshmen and young adults. This easy to read and teach from book will reaffirm what parents have been trying to teach their children for years. Now they have a tool that will do just that and it is not too late to teach them even if they are in college, because I don't know any parent that does not want to see their children succeed in life. This book is so easy to teach from and understand as it collaborates everything that a parent tries to make their children understand, if it was only coming from a collaborating source like a teacher.

The Smith Group is an amalgamation of Senior Credit managers and financial analysts, certified in the area of credit analysis and credit management and repair. The group, based in Houston Texas, has 20 plus years of international as well as domestic credit experience.