Personal Investment Guide

My husband was out of work for almost a year and I lost my job. We have almost 30k in debt on credit cards. We have never been late with payments but it is starting to get tight. Should we file bankruptcy or contact a debit management agency?

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(In detail, when a company does a credit check, does being in a debt management program effect the chances of employment? I have never been late with payments or went through bankruptcy. I signed up to reduce interest rates. Your honest feedback would be appreciated.

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So I am thinking debt management or debt consolodation would work better then bankruptcy, but my husband did debt consolodation about 5 years ago, and we were told it looks as bad as a bankruptcy. It actually negatively effects your credit. Is this true with all the companies?

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I am worried about dollar devaluation. I have seen that Buffet and Gates are pulling out of dollars and investing in Euros and other foreign currencies. They are going as far as taking out full page ads in papers to warn others, so I gather that they are serious. My bet is [...]

There are several banks out thre which also offer brokerage services. some of the banks may declare bankruptcy due to the credit crisis. I have mutual funds in one of those banks. The funds are holdings of all kinds of stock so I would assume they continue to exist. Or am I wrong? Please advise.

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