Let me tell you about one of the best things about credit cards: You aren’t actually paying for what you buy. Think about it; you walk in to a store find whatever it is that you wanted, and walk out of the store without paying even one of your hard earned dollars. What could be better than that?

Are you one of those people who are having problems paying the mortgage? Is your home “under water” where you owe more than what your home is now worth? The next piece of the Obama Stimulus Plan announced today may provide you with some assistance. As with all legislation, it’s not light reading but let’s take a look at the important parts of the Homeowner Stability Initiative.