The financial crisis and the currency crunch has not spared anyone from its clutches. The people around the world are affected by the global economic meltdown. In addition to the fact that we are affected in our professional life, the ripple effects have percolated into the personal life too. The personal finance of many individuals in America and worldwide is now in a state that needs immediate care and attention and help from the government or from financial institutions. The fact remains that the root cause for the global meltdown is due to the sub prime crisis and this has created a fear among all the financial institutions and banks in lending money. The debts haunt the people in such a manner that it drives most of them crazy and also makes them emotionally disturbed.
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