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Personal Liberty Digest

Personal Liberty Digest: Live Free in an Unfree World

Latest From Bob Livingston December 24, 2012
Putting A Cap On 2012 Putting A Cap On 2012 »
I think we can all agree that 2012 was an interesting year. As it was a Presidential election year, headlines were dominated by election news. But election politics was only part of what made 2012 interesting. More »


On Your Own

Prepping For Cold-Weather Holiday Trips Prepping For Cold-Weather Holiday Trips »
If you are traveling to a relative’s house this holiday season, be sure to have a car kit ready and safely tucked away under a seat just in case you end up in bad weather and need extra items to stay safe and warm.  More »

Personal Liberty News

NIH Spends $500 Million Because It Wasn’t Diverse Enough NIH Spends $500 Million Because It Wasn’t Diverse Enough »
The National Institutes of Health produced a study proclaiming disparity between the number of black researchers who were awarded NIH grants and the number of white and Hispanic applicants who won them. Government responded, allocating $500 million to help more black researchers get NIH grants. More »




Americans Hanging Onto Their Jobs Longer Americans Hanging Onto Their Jobs Longer »
Many Americans who would likely prefer to abandon their jobs in search of something better are increasingly grateful to simply be employed and are hanging onto their jobs longer due to a shaky economic outlook. More »

Boy, 12, Starts Video Game Dumping Effort Boy, 12, Starts Video Game Dumping Effort »
A 12-year-old Newtown, Conn., boy is asking other game players to dump their violent video games in the wake of the elementary school shooting in his town. More »

Coping With Cancer During The Holidays Coping With Cancer During The Holidays »
The holidays can be a difficult time of year for a cancer patient or if a loved one is facing cancer, but U.S. cancer experts say there are ways to cope. More »


Questions For Bob

Beware Taking On Debt

Dear Bob,

I am at a financial CROSSROAD and am going "nuts" trying to figure out what the best way to go may be.

I have a second mortgage on my home of approx. $44,000 and (at the same time) I have a total of about $43,000 (spread across 3 different investments: Merrill Edge, Charles Schwab, and an IRA at Chase Morgan). Do I cash everything in and pay the second mortgage, ...... or just leave everything where it is?

Another idea I had was to purchase any type of 2-bdrm sound structure with a little bit of land (no matter how little)... "down South"... maybe in North Carolina or Tennessee. The prices down there seem to be EXTREMELY low these days. Why? In case the country SPLITS, I see the South becoming its own country... again! And... it looks like most of the conservatives may just be in the South. I don't like the heat down there, but I definitely do not want to end being surrounded by communist liberals....no matter how mild the weather may be.

I REALLY hope I won't get "....sorry, but I cannot give you financial advise"... back. I'm just an old woman, by myself trying desperately to get somewhat ready for the upcoming disaster (financial, social, and every other way one can think of). One would have to be blind not to see (and feel) that something terrible is coming.

I TRULY hope you can give me some direction on this. The above is ALL I have in the world and don't want to do the wrong thing, especially "now".

Cordially

Mrs. S. Winberry More »


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