When most people think about America's debt problem, they think of the debt of the federal government. But that is only part of the story. The sad truth is that debt slavery has become a way of life for tens of millions of American families. Over the past several decades, most Americans have willingly allowed themselves to become enslaved to debt. These days, most of us are busy either going into even more debt or paying off the debt that we have accumulated in the past. When your finances are dominated by debt, it makes it really hard to ever get ahead. Incredibly, 43 percent of all American families spend more than they earn each year. Even while median household income continues to decline (now less than $50,000 a year), median household debt continues to go up. According to the Federal Reserve, median household debt in America has risen to $75,600. Many Americans spend decades caught in the trap of debt slavery. Large numbers of them never even escape at all and die in debt. It can be a lot of fun to spend lots of money and go into lots of debt, but it can be absolutely soul crushing to toil and labor for years paying off those debts while making others wealthy in the process. Hopefully this article will inspire many people to try to escape the chains of debt slavery once and for all. 

Because the truth is that the American people need a wake up call. Consumer borrowing rose by another $19.3 billion in December. Right now it is sitting at a grand total of $2.5 trillion according to the Federal Reserve.

Overall, consumer debt in America has increased by a whopping 1700% since 1971.

We always criticize the federal government for going into so much debt, but we rarely criticize ourselves for our own addiction to debt.

Debt slavery is destroying millions of lives all across this country, and it is imperative that we educate the American people about the dangers of all this debt.

The following are 30 facts about debt in America that will absolutely blow your mind....

Credit Card Debt

#1 Today, 46% of all Americans carry a credit card balance from month to month.

#2 Overall, Americans are carrying a grand total of $798 billion in credit card debt.

#3 If you were alive when Jesus was born and you spent a million dollars every single day since then, you still would not have spent $798 billion by now.

#4 Right now, there are more than 600 million active credit cards in the United States.

#5 For households that have credit card debt, the average amount of credit card debt is an astounding $15,799.

#6 If you can believe it, one out of every seven Americans has at least 10 credit cards.

#7 The average interest rate on a credit card that is carrying a balance is now up to 13.10 percent.

#8 According to the credit card calculator on the Federal Reserve website, if you have a $10,000 credit card balance and you are being charged a rate of 13.10 percent and you only make the minimum payment each time, it will take you 27 years to pay it off and you will end up paying back a total of $21,271.

#9 There is one credit card company out there, First Premier, that charges interest rates of up to 49.9 percent. Amazingly, First Premier has 2.6 million customers.

Auto Loan Debt

#10 The length of auto loans in America just keeps getting longer and longer. If you can believe it, 45 percent of all new car loans being made today are for more than 6 years.

#11 Approximately 70 percent of all car purchases in the United States involve an auto loan.

#12 A subprime auto loan bubble is steadily building. Today, 45 percent of all auto loans are made to subprime borrowers. At some point that is going to be a massive problem.

Mortgage Debt

#13 Total home mortgage debt in the United States is now about 5 times larger than it was just 20 years ago.

#14 Mortgage debt as a percentage of GDP has more than tripled since 1955.

#15 According to the Mortgage Bankers Association, approximately 8 million Americans are at least one month behind on their mortgage payments.

#16 Historically, the percentage of residential mortgages in foreclosure in the United States has tended to hover between 1 and 1.5 percent. Today, it is up around 4.5 percent.

#17 According to Dylan Ratigan, 46 percent of all mortgaged properties in Florida are underwater, 50 percent of all mortgaged properties in Arizona are underwater and 63 percent of all mortgaged properties in Nevada are underwater.

#18 Overall, nearly 29 percent of all homes with a mortgage in the United States are underwater.

#19 If you can believe it, the mortgage lenders now have more equity in U.S. homes than the American people do.

Medical Debt

#20 Medical debt is a major problem for a growing number of Americans. One study discovered that approximately 41 percent of all working age Americans either have medical bill problems or are currently paying off medical debt.

#21 Sadly, the number of Americans that are protected by health insurance continues to decline. An all-time record 49.9 million Americans do not have any health insurance at all right now, and the percentage of Americans covered by employer-based health plans has fallen for 11 years in a row.

#22 But even if you do have health insurance, there is still a good chance that you could end up with huge medical debt problems. According to a report published in The American Journal of Medicine, medical bills are a major factor in more than 60 percent of the personal bankruptcies in the United States. Of those bankruptcies that were caused by medical bills, approximately 75 percent of them involved individuals that actually did have health insurance.

Student Loan Debt

#23 Total student loan debt in the United States is rapidly approaching 1 trillion dollars.

#24 If you went out right now and starting spending one dollar every single second, it would take you more than 31,000 years to spend one trillion dollars.

#25 In America today, approximately two-thirds of all college students graduate with student loan debt.

#26 The average student loan debt load is now approximately $25,000.

#27 After adjusting for inflation, U.S. college students are borrowing about twice as much money as they did a decade ago.

#28 One survey found that 23 percent of all college students actually use credit cards to pay for tuition or fees.

#29 The student loan default rate has nearly doubled since 2005.

#30 Student loans made to directly to parents have increased by 75 percent since the 2005-2006 academic year.

At this point, most Americans are up to their eyeballs in debt. According to a recent study conducted by the BlackRock Investment Institute, the ratio of household debt to personal income in the United States is now 154 percent.

Our entire economy has become based on credit.

Do you need a car?

Just get an auto loan.

Do you need a house?

Just get a mortgage.

Do you need to fill up your house with stuff?

Just get a credit card.

Do you need an education?

Just get a student loan.

In fact, if you are anything like a typical American, you probably have a mortgage you can barely afford, you probably have at least one auto loan, you probably have several credit card balances and you probably have a student loan that you deeply regret.

So what should you do if you are drowning in debt?

First, make a firm decision that you are going to break the chains of debt slavery once and for all.

Secondly, come up with a plan to reduce your debt. Paying off debt that carries a high rate of interest first (such as credit card debt) is usually a good idea.

The big financial institutions want to get us into as much debt as possible, because all of this debt makes them incredibly wealthy.

Don't play their game.

Yes, that may mean that you may have to put off certain purchases until you can come up with the money, but in the long run you will be much better off.

NEW YORK - USA - In a remarkable admission by former Nixon era Secretary of State, Henry Kissinger, reveals what is happening at the moment in the world and particularly the Middle East.

Speaking from his luxurious Manhattan apartment, the elder statesman, who will be 89 in May, is all too forward with his analysis of the current situation in the world forum of Geo-politics and economics.

"The United States is bating China and Russia, and the final nail in the coffin will be Iran, which is, of course, the main target of Israel. We have allowed China to increase their military strength and Russia to recover from Sovietization, to give them a false sense of bravado, this will create an all together faster demise for them. We're like the sharp shooter daring the noob to pick up the gun, and when they try, it's bang bang. The coming war will will be so severe that only one superpower can win, and that's us folks. This is why the EU is in such a hurry to form a complete superstate because they know what is coming, and to survive, Europe will have to be one whole cohesive state. Their urgency tells me that they know full well that the big showdown is upon us. O how I have dreamed of this delightful moment."

"Control oil and you control nations; control food and you control the people."

Mr Kissinger then added: "If you are an ordinary person, then you can prepare yourself for war by moving to the countryside and building a farm, but you must take guns with you, as the hordes of starving will be roaming. Also, even though the elite will have their safe havens and specialist shelters, they must be just as careful during the war as the ordinary civilians, because their shelters can still be compromised."

After pausing for a few minutes to collect his thoughts, Mr Kissinger, carried on: "We told the military that we would have to take over seven Middle Eastern countries for their resources and they have nearly completed their job. We all know what I think of the military, but I have to say they have obeyed orders superfluously this time. It is just that last stepping stone, i.e. Iran which will really tip the balance. How long can China and Russia stand by and watch America clean up? The great Russian bear and Chinese sickle will be roused from their slumber and this is when Israel will have to fight with all its might and weapons to kill as many Arabs as it can. Hopefully if all goes well, half the Middle East will be Israeli. Our young have been trained well for the last decade or so on combat console games, it was interesting to see the new Call of Duty Modern Warfare 3 game, which mirrors exactly what is to come in the near future with its predictive programming. Our young, in the US and West, are prepared because they have been programmed to be good soldiers, cannon fodder, and when they will be ordered to go out into the streets and fight those crazy Chins and Russkies, they will obey their orders. Out of the ashes we shall build a new society, there will only be one superpower left, and that one will be the global government that wins. Don't forget, the United States, has the best weapons, we have stuff that no other nation has, and we will introduce those weapons to the world when the time is right."

End of interview. Our reporter is ushered out of the room by Kissinger's minder.

NEW YORK (CNNMoney) -- U.S. taxpayers likely lost $1.3 billion in the government bailout of Chrysler, the Treasury Department announced Thursday.

The government recently sold its remaining 6% stake in the company to Italian automaker Fiat. It wrapped up the 2009 bailout that was part of the Troubled Asset Relief Program six years early.

"The fact that the company has done so well -- that they were able to go out and raise private capital to repay us the loan so quickly, is really the big story," said Tim Massad, Treasury assistant secretary for financial stability.

Fiat paid the Treasury a total of $560 million for the remaining shares, as well as rights to shares held by the United Auto Workers retiree trust. Fiat now owns a 53.5% stake in the company.

Originally, the government committed a total of $12.5 billion to the struggling automaker, Old Chrysler, and the company's newly formed Chrysler Group. Of those funds, $11.2 billion have been returned through principal repayments, interest and cancelled commitments, the Treasury said. The new Chrysler Group paid back $5.1 billion in loans in May.

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WASHINGTON (AP) -- U.S. intelligence officials acknowledged Tuesday that the United States may release several Afghan Taliban prisoners from the military prison at Guantanamo Bay, Cuba, as an incentive to bring the Taliban to peace talks.

Meanwhile, Afghan officials told The Associated Press that a plan to give Afghanistan a form of legal custody over the men if they are released satisfied their earlier objection to sending the prisoners to a third country.

Director of National Intelligence Jim Clapper told Congress Tuesday that no decision had been made on whether to trade the five Taliban prisoners, now held at Guantanamo Bay as part of nascent peace talks with the Taliban. He and CIA Director David Petraeus did not dispute that the Obama administration is considering transferring the five to a third country.

U.S. officials and others had previously spoken only vaguely, and usually anonymously, about the proposal to send the prisoners to Qatar, a Persian Gulf country that has asserted a central role in framing talks that might end the 10-year war in Afghanistan. The lead U.S. negotiator trying to coax the Taliban into talks had also publicly acknowledged the possibility of a release, but said there was no final decision.

The prisoners proposed for transfer include some of the detainees brought to Guantanamo during the initial days and weeks of the U.S. invasion that toppled the Taliban government in Afghanistan in 2001. At least one has been accused in the massacre of thousands of Shiite Muslims in Afghanistan, according to U.S. and other assessments, but none are accused of directly killing Americans.

"I don't think anybody harbors any illusions about it, but I think the position is to at least explore the potential for negotiating with them as a part of this overall resolution of the situation in Afghanistan," Clapper said during a Senate Intelligence Committee hearing.

The Obama administration has recently embraced the possibility of negotiation with the Taliban much more openly, saying that although they remain cautious they are also encouraged that the militants may be ready to bargain. Peace talks, if they come to pass, would include the elected Afghan government and, at least at the outset, representatives of the U.S. government. With nearly 100,000 troops in Afghanistan and a war and development budget in the billions of dollars, the U.S. remains the largest power broker in Afghanistan.

Afghan President Hamid Karzai supports a prisoner release as a means to build confidence among the Taliban militants that talks are worthwhile, but he had balked at the U.S.-backed plan to send them to Qatar instead of home to Afghanistan. That plan appeared to undercut his authority and offend Afghan sovereignty, Afghan officials said. Karzai yanked his ambassador from Qatar, saying Qatar had not kept him properly informed.

But recent discussions between Karzai and U.S. negotiators found a way around the Afghan objections, a senior Afghan diplomat and another official said. Speaking on condition of anonymity because the arrangement is still under discussion, the officials said Afghanistan could assume a sort of legal custody over the prisoners and then, with the prisoners' own consent, agree to consign them to house arrest in Qatar.

An Afghan delegation would prepare the way for that arrangement by visiting the prisoners at Guantanamo and signing off on the transfer plan, one official said.

The Obama administration does not want to send the prisoners to Afghanistan, in part for fear they might be released. The men are considered "enemy combatants" who were, at least until recently, considered too dangerous to release.

Afghan custody of the men, even if only on paper, could provide sufficient political cover for Karzai against criticism at home that the arrangement is a snub. Karzai has already reluctantly publicly endorsed Qatar as the site for a militant political office that would serve as a headquarters for talks.

U.S. officials would not confirm the possible solution but did not dispute it.

Separately, Afghan officials said their government plans to explore talks with militants under the auspices of Saudi Arabia or others. Those talks would complement talks in Qatar, not undermine them, and carry at least an implicit stamp of approval from U.S. negotiators, the officials said.

The White House National Security Council had no comment on either issue.

The AP previously reported a proposal to release two or three of the Taliban prisoners as an initial goodwill gesture, to be followed by the others. All would go into custody in Qatar, under conditions that are likely to be less secure and less restrictive than at Guantanamo.

Several members of Congress oppose any release, and Congress has erected several legal hurdles that military and other officials acknowledge would slow and complicate the process.

Several GOP lawmakers who object to the transfer are pushing the White House to keep the detainees in Guantanamo "until the end of hostilities," according to a U.S. official with knowledge of the negotiations.

If the Taliban wants to end hostilities through negotiations, "then we could transfer their fighters," the official said, speaking on condition of anonymity to discuss conversations with the White House.

Of particular concern is Mullah Norullah Nori, described in U.S. military documents as one of the most significant former Taliban officials held at Guantanamo. He was a senior Taliban commander in Mazar-e-Sharif when the Taliban fought U.S. forces in late 2001. He previously was a Taliban governor in two provinces Northern Afghanistan, where he has been accused of ordering the massacre of thousands of Shiite Muslims.

Petraeus also acknowledged discussions about the five Taliban prisoners, and told Congress that the U.S. government has assessed the risk that the men might still be dangerous.

"This proposed so-called trade has actually not been decided yet," Clapper said, speaking at an annual hearing on worldwide threats. Republicans were openly skeptical, saying recidivism among former Guantanamo detainees is high and the gambit is of questionable value in promoting peace.

Petraeus said his analysts had assessed various scenarios under which the prisoners could be released to countries other than Afghanistan and Pakistan. The analysts sought to determine which countries would be best able to monitor the freed men, and keep them from returning to militancy.

Clapper's office reported in December 2010 that 13.5 percent of released Guantanamo detainees are "confirmed" and 11.5 percent "are suspected" of reengaging in terrorist or insurgent activities after being transferred.

Clapper said in the case of the Taliban prisoners, U.S. negotiators would first have to determine where the prisoners would be released, and how best to make sure they did not return to the fight. The defense spending bill signed by President Barack Obama in December also requires that the Pentagon certify that any release is safe.

"Part and parcel of such a decision, if it were finally made, would be the actual determination of where these detainees might go and the conditions in which they would be controlled or surveilled," Clapper said.

But Clapper said the prisoner release could be a confidence-building measure that helps move negotiations forward.

The intelligence agencies' annual threat assessment said the Taliban was less able to intimidate the Afghan population that last year, especially in areas where NATO forces are concentrated, but that its leaders continue to direct the insurgency from their safe haven in Pakistan.

U.S. officials have pledged to consult with Congress about any release, which was not enough to persuade Sen. Saxby Chambliss, R-Ga.

"I want to state publicly as strong as I can that we should not transfer these detainees from Guantanamo," Chambliss told the intelligence agency heads.

Here is a list of a couple of my favorite bands I came across in 2011 with links to some great songs.

• Milo Greene
• Alabama Shake
• The Wild Feathers
• Justin Townes Earle
• The Devil Makes Three
• Edward Sharpe and the Magnetic Zeros
• Gary Clark Jr.
• Hey Marseilles
• Tedeschi Trucks Band
• HoneyHoney
• Beth Hart and Joe Bonamassa
• Blackberry Smoke

The DEA program recalls a similar, much smaller scale operation first reported in the Voice last month in our article about government informant Angel Perez. The Voice article disclosed that Perez convinced U.S. Immigration and customs agents to move $500,000 in cash from the Dominican Republic to Miami and Puerto Rico. But, somehow, the smuggling operation didn't result in any arrests or even the identification of the source of the money.

The Times report, meanwhile, says that DEA agents got involved in the illegal scheme back in 2007 to infiltrate and take apart drug organizations in Mexico. The agents also helped the kingpin, Harold Mauricio Poveda-Ortega, move a big shipment of cocaine from Ecuador through Dallas to Madrid. DEA agents posed as pilots offering to ship cocaine for $1,000 a kilo.

Rightly, the Times article asks the question of whether the DEA was "fighting or facilitating crime." And the conclusion? Well, in Timesian fashion, we don't get an answer. The article quotas a former federal prosecutor saying that stateside rules don't apply overseas, so law enforcement agencies "make up the rules as they go along."

"It's a slippery slop," Morris Panner tells the Times. "The United States could end up helping the bad guys more than hurting them."

As for the DEA, the Times got a statement defending the practice, and saying that the operation allowed "Mexican authorities to kill or capture dozens of high-ranking and mid level drug dealers."

The kingpin, Poveda-Ortega, evaded arrest for two years, before he was finally caught in November of 2010.

Archeologists have so far found undisturbed artefacts including wall decorations, pigments and paint pots, which are already increasing their understanding of the Neolithic people.

Experts believe the huge outer wall suggests the site was not domestic, while the layout of the buildings has reinforced the view it might have been a major religious site. Archaeologists think the temple was built 500 years before Stonehenge, regarded as the centre of Stone Age Britain.

However, only 10% of the site at Ness of Brodgar has been excavated and it could be years before the scale and age of the discovery is fully understood.

It sits close to the existing Ring of Brodgar stone circles and the standing stones of Stenness, near to the town of Stromness.

The uncovered wall around the edges of the site was built with 10,000 tonnes of quarried rock and may have been up to 10 ft high.

Thermal technology also indicates the site could cover the same area as five football pitches, with some parts potentially older than Stonehenge, in south-west England, by as much as 800 years.

Charcoal samples from beneath the wall indicate it was built around 3200 BC. A 30mm high figurine with a head, body and two eyes, and called the "Brodgar Boy", was also unearthed in the rubble of one of the structures.

About 18 months ago, a remarkable rock coloured red, orange and yellow was unearthed. This is the first discovery in Britain of evidence that Neolithic peoples used paint to decorate their buildings.

Project manager Nick Card said the discoveries are unparalleled in British prehistory and that the complexity of finds is changing the "whole vision of what the landscape was 5000 years ago." He said it was of "a scale that almost relates to the classical period in the Mediterranean with walled enclosure and precincts".

Mr Card added: "It's a huge discovery; in terms of scale and complexity there really is nothing else quite like it.

"At first we thought it was a settlement but the scale and complexity within the buildings makes you think along the lines of a temple precinct. It's something you would associate with the classical world."

Archeologist Julian Richards, who has written several books on Stonehenge, added: "The indication is that building was taking place when Stonehenge was still, relatively speaking, insignificant. We have tended to think we know how things were in the Neolithic period, then something like this turns that on its head."

The U.S. Chamber of Commerce may sue the Obama administration over President Obama's controversial appointment of Richard Cordray to head a controversial consumer financial board, officials from the business group told Fox News on Wednesday after an unprecedented display of executive power that is sure to poison already-strained relations with the GOP.

Chamber spokeswoman Blair Latoff and colleague Bryan Goettel both told Fox News that their understanding is that "we are not ruling it out." However, they said they still "need to understand the specifics of the appointment to determine if a legal challenge is even possible."

The chamber was early in its criticism of the president's move Wednesday to appoint Cordray to chair the Consumer Financial Protection Bureau in a move that invites legal challenge but which administration officials say is perfectly within the president's authority to do.

"To say we are disappointed in the move by the president today would be a gross understatement," Chamber President Tom Donohue said in statement. "This controversial appointment is unprecedented, constitutionally questionable, and puts the authority of the director and the validity of the bureau’s work in legal jeopardy. What's more, it ignores repeated calls to reform the bureau by restoring basic checks and balances."