How would you like to have 3000 channels to watch indefinitely for less than you are probably paying for one months cable bill? Thats right. Three thousand channels! Channels from countries all over the world. It really is quite amazing how far technology has come. The farther we advance, the more we can enjoy the good life. Seems we have come a long way!

Now I can watch 3000 channels from all over the globe. I never have to miss a professional game or fight because my cable company doesnt carry the station or has it blacked out in my area. I can watch it right on my p.c. You can get daily news on whats happening in almost every country in the sports world. Do you like to watch the soccer, baseball, basket ball, wrestling, tennis, or boxing? These are just a few of the sports you will have access to. How about cooking exotic dishes from different countries? Do you like to keep up on famous people and their lifestyles? Famous people come from all over the globe. If you are planning a vacation or move to another country, you can find out all about it before you even go. You can find out about the currency, living expenses, languages, traditions, weather and too many other things to mention.

One of the things I really like about having access to so much information is the education it provides for my children. Whenever they have a report to do at school, all of the information they need is right at their fingertips. Aside from that, they will not grow up in ignorance. They love to see whats going on around the world. They are learning about the wars in the middle east and other countries as well. They are learning about the lifestyles of people everywhere, famous land marks, traveling, geography, and fun things too; like movies and music that we dont have access to here in the United States. Sometimes they sit for hours sponging up all the great and inspirational things they see. At times I have to tell them, Ok. Youre times up. Now its my turn!

It is really quite incredible to have access to such an abundance of information. Its like traveling around the globe from your own p.c. It has opened up a whole new world for me and my family with the click of a mouse!

Cathy Barela lives in Salt Lake City, Utah. She loves the mountains, music, sports, outdoors, writing and helping people accomplish their goals.

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On the surface, managing money seems like a pretty simple thing. You earn money, whether through a job, inheritance or lottery winnings; and you spend it on the things you need (or think you need). It sounds so simple, until you introduce debt into the picture. If you fail to live within your means and your expenses exceed your earnings, youll quickly find that there are ways to borrow money to make up for this disparity.

Debt is really a simple concept when you borrow money from another for whatever reason, you are in debt. And unless youre borrowing from a very generous friend, youll be required to pay back that debt at some point in time. Banks, credit card companies and other credit providers are unlikely to be as lenient. When you take on a debt, youll find that it comes with terms and conditions that govern its repayment, including the deadlines for making payments and details on your interest rate.

Understanding interest rates can get tricky with all the financial jargon of APR rates, compounding interest and so on. But on a simple level, interest is what the creditor charges to let you have access to all that money. After all, banks and credit companies arent just friendly businesses there to help you out their for-profit enterprises. In exchange for loaning you money, they expect to be paid back a certain percentage (your interest rate) on top of the original loan amount (called your principal). Thats why its so important to shop around to get the best interest rate possible a small percentage of a big debt can be a lot of money!

One of the most common instruments of debt comes in the form of a loan. A loan can either be secured to unsecured. If you have any assets, such as a house or a car, you may pledge these items as collateral to get a loan, meaning that youll turn over these assets to the credit issuer if you cant pay back your loan for any reason. This is referred to as a secured loan, since the creditor has a measure of security that theyll get their investment back. A loan is considered unsecured when the debtor does not pledge specific assets to the creditor as collateral.

Clearly, a secured loan is a safer choice for credit issuers. Often times, debtors who are able to secure their loans find better terms and interest rates, since the creditor has a means of collecting on any defaulted loan. However, having an unsecured loan doesn't mean that the debtor can renege on his or her debts. If a debtor fails to pay back the loans, the creditor can still file a case in court, requiring the debtor who has no cash to sell some of his assets to pay back the outstanding loan.

While debt can sound scary, theres nothing to worry about if you use it wisely. Building good credit from an early age by using debt responsibly can make a huge difference in the long run. But the temptation is always there to purchase more than you can afford to. Its easy to get in over your head so take the time to learn more about your finances and be smart about your money!

This article was published by Sarah Russell on Smart Young Money a collection of money management resources for teens and young adults. For great information on using credit, managing debt and more for young people, visit http://www.smartyoungmoney.com.

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