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"She never takes time to balance her checkbook, is always getting overdrawn, and infuriated her husband because as a result they now have a poor credit rating. She would rather ignore the checkbook than realize how little is there and get disappointed. She creates a lot of unnecessary stress for herself by not managing her time, and then when she's under stress, she always ends up bingeing. Unexpected Sources of Stress Stress is not what happens to us. It's our response to what happens. And response is something we can choose." - Roger Gould, Shrink Yourself: Break Free from Emotional Eating Forever (Get the book.)

"Up to this point our credit rating was great, but our savings was gone and we lived off the small income from the store and the cheese courses because we could no longer sell breeding stock. But somehow we knew we would make it work. That night as I packed for an upcoming conference on Creutzfeldt-Jakob Disease, Larry talked with his parents and they generously offered to buy the house and have us pay them back. It was perfect. The next morning we walked through the main house, which was a mid-1800s cape." - Linda Faillace, Mad Sheep: The True Story Behind the USDA's War on a Family Farm (Get the book.)

"If a bond had an appropriate credit rating from an agency like Moody's, or if it was guaranteed by Fannie Mae or an insurer like MBIA, or if it was secured in some way, then it was worth owning, despite other considerations that once might have raised red flags. And when it came to the U.S. government, few Americans contemplated the possibility of default when shelling out for Treasury bills or bonds. To use an old cliche, most people assumed that their money was "as safe as houses," which is ironic given the havoc a bursting real estate bubble will eventually wreak on government finances." - Michael J. Panzner, Financial Armageddon: Protecting Your Future from Four Impending Catastrophes (Get the book.) "News that the company in question, a large rival, or a key supplier has had its credit rating cut or marked for a possible downgrade by any rating agency should be interpreted as a red flag requiring immediate attention. Still, figuring out which firms will or won't survive at a time of unprecedented upheaval will be more of a crapshoot than ever. Even during the so-called normal years, some firms fell from grace unexpectedly and abruptly." - Michael J. Panzner, Financial Armageddon: Protecting Your Future from Four Impending Catastrophes (Get the book.) "AAA to A or BBB in the decade ahead. Yet efforts at reform, including attempts by the George W. Bush administration to privatize Social Security, have gone nowhere. This failure partly reflects the reality that those who benefit from an all-encompassing social safety net are growing in numbers—and political clout. Ironically, the retirement-related concerns in the private sector seem almost inconsequential in comparison. Nonetheless, they are another layer on an ever-growing fiscal disaster, a burden that must ultimately be paid for in one way or another." - Michael J. Panzner, Financial Armageddon: Protecting Your Future from Four Impending Catastrophes (Get the book.) "Adding to the precariousness of the situation was the fact that the world was awash in dollars, with around two-thirds of global reserves held in American currency, according to International Monetary Fund data. The once unrivaled superpower had become dangerously reliant on the largesse of foreigners, who had been almost inexplicably willing to finance years of compulsive spending and borrowing. Under the circumstances, a crisis of confidence was the last thing the United States needed." - Michael J. Panzner, Financial Armageddon: Protecting Your Future from Four Impending Catastrophes (Get the book.)

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