Right decisions, jumping to quick conclusions, flying on instinct is scary.

Sharks must keep swimming not to sink. Likewise, businesses and specially banks may have the same problems.

Luck and bad luck arrived by chance is one thing. Wrong judgement is not due to bad luck anymore than right judgement is due to good luck. Unlucky people are usually badly informed people.

It would be nice to know if things are not so good, bad, horrible, or desperate. The ability to read in-between the lines is vital. Note, that a well presented appearance of the truth is often accepted.

The bank count on you more than you count on them. A run on a bank is the last thing anybody wants. Liquidity is vital. Wheels have to keep turning. Cash is King.

The consequences of the falling housing prices have arrived. It brings debt in play and the need to act quickly if owing money that cannot be paid on time is vital. Many good companies exist to guide you through. Remember also what you earn depends on what you do not have to spend.

Some notes about the foreign exchange procedure. One needs foreign currency when buying abroad the house, car, etc. Making sure to get the best currency rates of exchange remembering the foreign currency exchange companies normally offer far better rates of exchange than the high street banks.

Driving and house hunting in France, useful expressions in French, relating to estate agents, banks and when opening a bank account there.

Driving through France, Belgium, Switzerland and other French speaking countries it is useful to know some typical phrases in French.

Inflated credit and deflated credit Inflated and deflated currency. The problems of the housing market in the UK and America. The unworthy allocation of credit. The price of a house is not always the issue, but the raising of the money is.