Americas Yes is a business network that provides free and discounted products related to small business entrepreneurship.

One of our most popular programs is our credit repair which is stressing the importance of having high credit scores during our crisis and beyond. Americas Yes is proud to be that solution. Last year our campaign provided free vacations, more family time and most important a better financial stability. Visit our FAQ and Testimonials page to answer any of your questions, or to get a feel of how Americas Yes is slowly "Changing One Lifestyle At A Time."

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Many Americans are worried about the economy and the security of their jobs or lack of a job. Here are some important statistics about the 2009 Financial Outlook:

• A total of 2.6 million jobs lost in 2008 - the most since World War II.


• A jobless rate that's at 7.2% - and climbing.


• About 11 million people out of work.


• 791,000 manufacturing jobs were lost in 2008, hitting the auto sector hardest.


• 260,110 people lost jobs in the financial sector, part of the overall service sector that accounts for some 80% of all employment.


• The construction sector shed 899,000 since peaking in September 2006.


• The retail sector shed 522,000 jobs for all of 2008.

Economists predict a total of 1.5 million to 2 million or more jobs will vanish in 2009, and the "official" unemployment rate could hit 9% or 10%, underscoring the challenges that new U.S. President Barack Obama will face and the tough road ahead for job seekers.

The Solution

However, there is positive news despite the depressing recession. There are home-based business opportunities available that can provide job security and amazing benefits!

Consider becoming a Certified Travel Agent (CTA) with TraVerus Travel. TraVerus Travel is an affiliate based international travel company with tens of thousands of agents spanning over 90 countries. TraVerus Travel is one of the leading providers of travel services and education in the world and is the exclusive travel partner of 5CTV and China Clicks2. With John O'Hurley our celebrity spokesperson, our International online travel radio show TraVerus Celebrity Travel Talk, and our leading edge travel portal, TraVerus Travel is changing the future of travel.

Benefits of having a home-based business with TraVerus Travel:

• Huge Tax Breaks


• Inexpensive travel


• Making money from home


• Increasing your current income


• Secure future in an uncertain world and economy.

What About Debt?

While you start your home-based business opportunity with TraVerus Travel, you may also want to think about how to consolidate your debt, especially in a poor economy. Not only does AmericasYes help you start your own home-based business with TraVerus Travel and help you become financially secure, but we also help you consolidate your debt and improve your credit score. Now you may wonder why we would help you with this at no charge, but it's because we REALLY want to help you achieve financial independence and freedom. This is your chance to live the lifestyle and American dream you have always wished and hoped for!

Here is a start to a list of helpful suggestions to help you consolidate your debt. Though not an ideal solution, debt consolidation can provide some immediate relief from high-interest loans and debts.

1. Choose consolidation loans carefully, and consult professionals when necessary.
2. List your debts on paper. Include credit cards, mortgages, car loans and other personal debts.
3. Write down the balance, interest rate and monthly payment for each debt.
4. Determine how much you will pay for each debt at the completion of the loan. For instance, you may pay $40,000 for your car at the end of 15 years, or you may pay $15,000 for items on a credit card if you pay the minimum for 30 years. Consult a financial adviser if necessary.
5. Consider getting a debt consolidation loan as a second mortgage. This will give you some immediate debt relief, but loan fees will be tacked on. Choose a reputable company with reasonable rates.
6. Think about refinancing your original mortgage. Be aware of how much (if any) equity will be left in your home. Will this thwart your plans for the future?
7. Consider transferring credit card balances to one card. Check the maximums on your cards, and choose one with a low APR. Make sure the APR is not higher for balance transfers.
8. Consider borrowing money from a trusted family member. Pay off your debts, and pay the family member a predetermined amount faithfully each month. Determine what interest will be paid, and put the terms of the loan in writing.
9. Consider contacting a nonprofit service like American Consumer Credit Counseling. It can negotiate to lower your payments and arrange for you to pay your bills by writing just one check to the agency each month.

• As you investigate your options, look at the final numbers. Is your new loan going to cost you more in the long run? If so, you may want to stick it out with your existing loans, even if payments are higher.
• Determining the merits of various loan programs requires some lengthy number crunching. If this is not your strength, enlist the help of a skilled friend or financial adviser.
• Save interest by paying more than your monthly payments on a regular basis. This cuts down the life of your loan considerably.
• The interest on most loans secured by real property is tax deductible.
• Avoid adding debt to debt. You might be offered a loan of $50,000 when you only need $20,000, and taking the extra money will just compound the problem.